- 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
Restructure tests into __tests__/ directories at package root so they can
be excluded from production builds. Add unit tests for dates, currency,
lookup service, payment method default logic, and tax exemption state
transitions.
