Harden sync and security; add IQ Bible, templates, password reset, backups

Sync and data safety
- Autosave flushes on leaving a study or the tab; storage-full errors are reported
- Unsynced studies, deletes and ink are queued and retried when back online
- Deletes propagate across devices (with a "Keep it" undo) and no longer resurrect
- Server assigns study versions (no client-clock conflicts); "Combine both"
  merges a conflicted study chunk by chunk
- Reading-plan progress made offline is merged, not overwritten; plans, ink and
  marks are cleared from the device on sign-out

Security
- Block SSRF through the ntfy reminder URL; failure-only rate limiting per IP and
  account; constant-time login; TOTP replay protection; input validation;
  SESSION_SECRET required in production; admin user delete fixed
- Forgot password: one-time code sent to the account's ntfy topic

Features
- IQ Bible proxy (route allow-list, text-only caching per its terms): more
  commentaries, lexicons, study aids, daily verse and devotional, plan calendar
  export, narrations, podcast background
- Study templates, reading-plan catch-up, account export, daily database snapshots

Tests and tooling
- ESLint config; App tests split into src/test; tests for sync queues, library
  hook, merge, templates, IQ Bible UI and reset form

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

src/pages/SettingsPage.jsx

@@ -1,3 +1,4 @@
+import IqNarratorOptions from '../components/iq/IqNarratorOptions.jsx';
 import { useEffect, useState } from 'react';
 import { useApp } from '../context/AppContext.js';
 import PageShell from '../components/study/PageShell.jsx';
@@ -261,11 +262,12 @@ export default function SettingsPage() {
           <PrefRow label="Reading width" hint="One column, or two on a wide screen.">
             <Segmented label="Reading width" options={[[false, 'Column'], [true, 'Two columns']]} value={readerWide} onChange={setReaderWide} />
           </PrefRow>
-          <PrefRow label="Audio narrator" hint="For the Berean Standard Bible audio.">
+          <PrefRow label="Audio narrator" hint="For the Berean Standard Bible audio. IQ Bible narrations count against its monthly audio allowance.">
             <select aria-label="Audio narrator" value={audioNarrator} onChange={(e) => setAudioNarrator(e.target.value)} className={selectCls}>
               <option value="david">David</option>
               <option value="hays">Hays</option>
               <option value="souer">Souer</option>
+              <IqNarratorOptions />
             </select>
           </PrefRow>
         </section>