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>