- vendor-default-account now uses raw vendor default account (not client-specific override)
- Account name is clientized via d-accounts/clientize only for single-client contexts
- Added single-client-id helper that returns client ID only when user has exactly one client
- Added multi-client e2e test verifying no pre-population across multiple clients
- Updated test server to support multi-client mode switching via /test-set-client-mode
- Test server now seeds a second client for multi-client scenarios