feat(auth): two-factor authentication (TOTP, passkeys, recovery codes)

Adopt django-allauth with allauth.mfa, giving TOTP, WebAuthn passkeys and
recovery codes — and the signup/password-reset flows we'll need next. There was
no login UI at all before this (only /admin/), so this brings the auth stack.

The critical piece is authentication/adapters.py. A passkey is bound to a
WebAuthn Relying Party ID (a domain), and allauth derives that from the request
host — which under our subdomain tenancy would bind a passkey to a *single* club
(ajax-united.clubmanager.app) and silently fail at every other one. The adapter
pins the RP ID to CLUBMANAGER_BASE_DOMAIN so one passkey works across all clubs.
Note this cuts both ways: changing that base domain invalidates every existing
passkey.

RequireMFAMiddleware makes a second factor mandatory for anyone who can change
other people's data — Django staff/superusers and holders of an elevated
ClubRole (ADMIN/EDITOR), via the access service — while leaving it optional for
regular members. /admin/login/ is routed through allauth, since Django's own
admin login knows nothing about second factors.

allauth is installed WITHOUT django.contrib.sites (optional since allauth 65),
so ARCHITECTURE.md's rejection of the Sites framework stands and no Club.site
bridge is needed. Sessions are shared across club subdomains, matching the
one-passkey-everywhere model; tenancy still scopes what you can see.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

members/tests.py

@@ -3,6 +3,7 @@ from datetime import date, timedelta
 from io import StringIO
 from pathlib import Path
 
+from allauth.mfa.models import Authenticator
 from django.contrib.admin.sites import AdminSite
 from django.core.management import call_command
 from django.core.management.base import CommandError
@@ -230,6 +231,8 @@ class AdminSmokeTests(TestCase):
 
     def setUp(self):
         self.admin = User.objects.create_superuser(email="root@example.com", password="pw-secret-123")
+        # Staff must hold a second factor (RequireMFAMiddleware).
+        Authenticator.objects.create(user=self.admin, type=Authenticator.Type.TOTP, data={"secret": "JBSWY3DPEHPK3PXP"})
         self.client.force_login(self.admin)
 
     def test_changelists_load(self):