- Fix create_test_user.exs to use create_totp_device instead of create_user_credential
- Update TOTP_SETUP.md to reference UserTotpDevice schema and user_totp_devices table
- Fix function signatures to match Accounts.create_totp_device(user_id, device_name, secret)
- Add terms_of_service_consent and privacy_policy_consent to user registration
- Add comprehensive TOTP_SETUP.md with multiple setup options
- Create scripts/create_test_user.exs for automated test user creation
- Update .gitignore to exclude Playwright browser binaries and artifacts
- Update README to reference TOTP setup guide
