test: full test suite (Vitest + pgTAP + Playwright) + TDD plan restructure

Add a 4-layer test stack covering RLS, triggers, and UI flows for Fases 0–2a,
then restructure every plan file so future fases start with tests and end with
a verification gate.

Test suite
- packages/test-utils: Vitest integration tests signing HS256 JWTs via jose so
  each test acts as a specific seed user (createClientAs + createAdminClient)
- supabase/tests: pgTAP for accept_invitation(), item_frequency trigger, and
  promote-on-admin-leave; each file self-installs pgtap extension
- apps/web/tests: Playwright E2E with live Keycloak login per test (storageState
  caching doesn't rehydrate Supabase's session state reliably)
- just test-all chains the three suites; test-db forwards POSTGRES_PASSWORD
  as PGPASSWORD with ON_ERROR_STOP=1 so failures abort the chain

Supabase auth gotcha
- PostgREST queries inside onAuthStateChange deadlock on GoTrue's navigator.locks
  auth lock (getAccessToken → getSession → initializePromise waits on the same
  lock that's held during event dispatch). Fix is two defenses: a pass-through
  lock in $lib/supabase, and a setTimeout(0) defer in root +layout.svelte to
  push loadUserCollectives out of the callback's microtask chain. Either alone
  is insufficient; both together unblock the Playwright suite.

Env key rotation
- apps/web/.env.development had a stale demo anon key signed with a different
  secret than root .env; Vite inlined that into the browser bundle so Kong (which
  uses the root .env value) rejected every request with 401. Aligned the two
  files and added a memory entry to flag this for the next rotation.

Plan restructure (TDD)
- Every fase now opens with X.0 Tests primero and closes with X.Z Verificación
  final. Completed fases (0, 1, 2a) show the pattern retroactively with the
  tests that currently cover them; pending fases (2b, 3, 4) list the tests to
  write before implementation.

Docs
- CLAUDE.md status line reports 54 + 12 + 15 = 81 green tests, adds gotchas
  #11 (auth-lock deadlock) and #12 (no storageState caching)
- README.md adds a TDD methodology section and the test-all command
- .gitignore excludes Playwright's generated reports and auth state

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

apps/web/.env.development

@@ -1,7 +1,12 @@
 # Default public env vars for local development.
 # Committed — these are not secrets. Secret vars (.env) remain gitignored.
+#
+# NOTE: PUBLIC_SUPABASE_ANON_KEY must be signed with the same SUPABASE_JWT_SECRET
+# that Kong + GoTrue + PostgREST use (see root .env). The repo-wide .env is the
+# authoritative source; this file exists so non-sensitive PUBLIC_* values can be
+# versioned for new contributors. If you rotate JWT_SECRET, update this file too.
 PUBLIC_SUPABASE_URL=http://localhost:8001
-PUBLIC_SUPABASE_ANON_KEY=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJyb2xlIjoiYW5vbiIsImlhdCI6MTYzNDc0MDAwMCwiZXhwIjo0NzkwNDEzNjAwfQ.NRJAsCq6gp4kkP2f7bMxQmfbFWrZ6xy7r8btkIMK_h4
+PUBLIC_SUPABASE_ANON_KEY=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJzdXBhYmFzZS1kZW1vIiwicm9sZSI6ImFub24iLCJleHAiOjE5ODM4MTI5OTZ9.CRXP1A7WOeoJeXxjNni43kdQwgnWNReilDMblYTn_I0
 PUBLIC_KEYCLOAK_URL=http://keycloak:8080
 PUBLIC_KEYCLOAK_REALM=colectivo
 PUBLIC_KEYCLOAK_CLIENT_ID=colectivo-web