Add standalone API test runner with accounts and members suites

Custom test framework that starts the backend, creates a test DB, runs
migrations, and hits real HTTP endpoints. Supports --suite and --tag
filtering. 24 tests covering account CRUD, member inheritance, state
normalization, move, search, and auto-generated numbers. Run with
bun run api-test.

packages/backend/api-tests/lib/reporter.ts

@@ -0,0 +1,63 @@
+const green = (s: string) => `\x1b[32m${s}\x1b[0m`
+const red = (s: string) => `\x1b[31m${s}\x1b[0m`
+const gray = (s: string) => `\x1b[90m${s}\x1b[0m`
+const bold = (s: string) => `\x1b[1m${s}\x1b[0m`
+const yellow = (s: string) => `\x1b[33m${s}\x1b[0m`
+
+export interface TestResult {
+  name: string
+  suite: string
+  tags: string[]
+  passed: boolean
+  duration: number
+  error?: string
+}
+
+export function printHeader(baseUrl: string) {
+  console.log('')
+  console.log(bold(`API Tests — ${baseUrl}`))
+  console.log('')
+}
+
+export function printSuiteHeader(name: string) {
+  console.log(`  ${bold(name)}`)
+}
+
+export function printTestResult(result: TestResult) {
+  const icon = result.passed ? green('✓') : red('✗')
+  const duration = gray(`(${result.duration}ms)`)
+  console.log(`    ${icon} ${result.name} ${duration}`)
+  if (result.error) {
+    console.log(`      ${red(result.error)}`)
+  }
+}
+
+export function printSummary(results: TestResult[], totalDuration: number) {
+  const passed = results.filter((r) => r.passed).length
+  const failed = results.filter((r) => !r.passed).length
+  const total = results.length
+
+  console.log('')
+  console.log('─'.repeat(50))
+
+  if (failed === 0) {
+    console.log(green(`  ${passed} passed`) + gray(` (${(totalDuration / 1000).toFixed(1)}s)`))
+  } else {
+    console.log(
+      `  ${green(`${passed} passed`)}, ${red(`${failed} failed`)}` +
+        gray(` of ${total} (${(totalDuration / 1000).toFixed(1)}s)`),
+    )
+
+    console.log('')
+    console.log(red('  Failed tests:'))
+    for (const r of results.filter((r) => !r.passed)) {
+      console.log(red(`    ✗ ${r.suite} > ${r.name}`))
+      if (r.error) console.log(`      ${r.error}`)
+    }
+  }
+  console.log('')
+}
+
+export function printSkipped(reason: string) {
+  console.log(yellow(`  ⊘ Skipped: ${reason}`))
+}