Refactor AccountForm with 2D code toggle and conditional validation

- Refactor AccountForm to use toggle for showing/hiding profile fields
- Add show2dCodeInMonthlyStatement field to UserProfile database schema
- Implement conditional validation: all fields mandatory when 2D code is enabled
- Update FormSchema with .refine() methods for firstName, lastName, address, and IBAN
- IBAN validation includes both presence check and format validation when required
- Add validation error messages to English and Croatian localization files
- Initialize toggle state from persisted database value
- Form fields conditionally displayed based on toggle state

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

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

.claude/settings.local.json

@@ -9,7 +9,8 @@
       "Bash(git add:*)",
       "Bash(git commit:*)",
       "mcp__serena__replace_regex",
-      "Bash(npm install:*)"
+      "Bash(npm install:*)",
+      "mcp__ide__getDiagnostics"
     ]
   },
   "enableAllProjectMcpServers": true,