Implemented optional IBAN validation for the account form profile:
- Installed iban.js package for robust IBAN validation
- Added Zod validation with IBAN.isValid() for format checking
- Normalizes IBAN (removes spaces, uppercase) before storage
- Validates country-specific formats and checksums
- Added validation error messages in English and Croatian
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Co-Authored-By: Claude <noreply@anthropic.com>
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