Create User dialog now has a mandatory Email/Mobile OTP delivery method
picker (styled as a pill toggle) alongside the existing fields.
Adds a new post-login agreement acceptance dialog: right after the existing
2FA flow (TwoFactorAuthenticationComponent) succeeds, or immediately after
login for users without 2FA, the user must accept the bank's current
agreement/disclaimer at least once before reaching the app.
Also adds a "Manage User Agreement" admin screen (System section) to publish
versioned agreement text without a code deploy.
Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
