feat(api,admin-ui,user-ui): add email verification and template flows

[markwylde]

Summary

• add API support for email verification, including token storage/consumption, resend/verify/profile-email endpoints, SMTP delivery service, and auth gating
• add admin and user UI flows for email templates, verification, resend, and verification-aware login/registration UX
• update email verification implementation checklist in specs
• add security coverage for email verification behavior in the test suite

Commits

• feat(api): add email verification tokens, SMTP services, and auth gating
• feat(admin-ui,user-ui): add email templates and verification flows
• docs(specs): mark email verification implementation checklist
• test(test-suite): add email verification security coverage

Validation

• npm run tidy
• npm run build