docs(plan): account recovery implementation plan
TDD plan: recovery-code storage, challenge backup-code acceptance, recovery-codes view (show/download/regenerate), forgot-password (2FA-code), email reset link (gated), clusev:reset-admin CLI, and a verification gate. Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>feat/v1-foundation
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