Add member address, state normalization, account inheritance, fix member form

- Address field on member table (jsonb, same format as account)
- Members inherit email, phone, address from account when not provided
- State normalization: "Texas" → "TX", "california" → "CA" via shared util
- Member form drops zodResolver to fix optional field validation flashing
- Account name auto-format: "First Last - Account"
- US state lookup with full name + code support

packages/backend/__tests__/routes/v1/members.test.ts

@@ -255,4 +255,106 @@ describe('Top-level member routes', () => {
       expect(res.json().dateOfBirth).toBeNull()
     })
   })
+
+  describe('Account inheritance', () => {
+    it('inherits email, phone from account when not provided', async () => {
+      const acctRes = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Email Family', email: 'family@test.com', phone: '555-1234' },
+      })
+
+      const res = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${acctRes.json().id}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Child', lastName: 'One' },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().email).toBe('family@test.com')
+      expect(res.json().phone).toBe('555-1234')
+    })
+
+    it('uses member email when provided instead of account', async () => {
+      const acctRes = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Override Family', email: 'family@test.com' },
+      })
+
+      const res = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${acctRes.json().id}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Adult', lastName: 'Own', email: 'own@test.com' },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().email).toBe('own@test.com')
+    })
+
+    it('inherits address from account when not provided', async () => {
+      const acctRes = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: {
+          name: 'Address Family',
+          address: { street: '123 Main St', city: 'Austin', state: 'TX', zip: '78701' },
+        },
+      })
+
+      const res = await app.inject({
+        method: 'POST',
+        url: `/v1/accounts/${acctRes.json().id}/members`,
+        headers: { authorization: `Bearer ${token}` },
+        payload: { firstName: 'Kid', lastName: 'Home' },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().address.city).toBe('Austin')
+      expect(res.json().address.state).toBe('TX')
+    })
+  })
+
+  describe('State normalization', () => {
+    it('normalizes state name to code on account', async () => {
+      const res = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'State Test', address: { state: 'texas' } },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().address.state).toBe('TX')
+    })
+
+    it('normalizes full state name to code', async () => {
+      const res = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'State Name Test', address: { state: 'California' } },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().address.state).toBe('CA')
+    })
+
+    it('leaves unrecognized state codes as-is', async () => {
+      const res = await app.inject({
+        method: 'POST',
+        url: '/v1/accounts',
+        headers: { authorization: `Bearer ${token}` },
+        payload: { name: 'Foreign Test', address: { state: 'ON' } },
+      })
+
+      expect(res.statusCode).toBe(201)
+      expect(res.json().address.state).toBe('ON')
+    })
+  })
 })