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/src/db/schema/accounts.ts

@@ -56,6 +56,12 @@ export const members = pgTable('member', {
   isMinor: boolean('is_minor').notNull().default(false),
   email: varchar('email', { length: 255 }),
   phone: varchar('phone', { length: 50 }),
+  address: jsonb('address').$type<{
+    street?: string
+    city?: string
+    state?: string
+    zip?: string
+  }>(),
   notes: text('notes'),
   legacyId: varchar('legacy_id', { length: 255 }),
   createdAt: timestamp('created_at', { withTimezone: true }).notNull().defaultNow(),