Adds the global re-authentication modal for guarded routes and the
owner/admin MFA controls on the settings page.
request() in lib/api.ts now intercepts a 403 step_up_required response,
awaits re-authentication through a callback registered by StepUpModal
(lib/stepup.ts), and retries the original request exactly once. The
modal offers TOTP, recovery code and password, since the webauthn
step-up routes (/me/step-up/webauthn/begin and /finish) are not
registered server-side yet; it omits the passkey option rather than
calling a route that does not exist.
me.stepUp posts one factor to /api/me/step-up. The settings page gains
an owner-only "Require MFA" toggle and the members table gains an MFA
column and a "Reset MFA" action, both routed through the existing
PUT /api/settings and DELETE /api/org/users/:id/mfa.
mrhid6
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