r-dash-azure-ad-deferred-local-auth-v1-stack

Azure AD SSO was initially specified as the auth provider but was corrected mid-session: Runwal’s Azure AD work was not complete, so v1 uses local auth only. Stack: argon2id password hashing, TOTP MFA mandatory (pyotp + recovery codes), JWT in HttpOnly+Secure+SameSite=Lax cookies (15m access / 7d refresh), slowapi rate limiting (5/min/IP login), 10-fail lockout, admin-only provisioning. Azure AD SSO interfaces are stubbed in v1 for future wiring — dual-mode migration path preserved.