feat(demo): DEMO_MODE lock, seed:demo and the demo banner (MODULE_API 1.18.0)

Core half of the public demo (docs/website/DEMO_MODE.md §10 step 1, website#222).
Nothing here runs unless DEMO_MODE=true.

- server/src/demo/: the lock at /api/v1, ahead of every router. It covers every
  Tier A row of §3.3, the shared-login conditions, POST /auth/register (DM16),
  DELETE /auth/me/sessions/:id on a demo account (DM17), and the PUT
  /admin/settings keys that reach a Tier A lock. Any multipart request is refused
  app-wide. noindex and robots.txt. A condition that cannot decide refuses.
- Loader: demoLocks in module.json (writes only, under the module's own mounts),
  ctx.demoMode, and api.onDemoSeed (DM15). MODULE_API 1.18.0 on both halves.
- GET /public/settings carries demo: { resetsAt, logins } on the demo only.
- npm run seed:demo -- <fixture>: upserts the four accounts, sets the site live
  with registration disabled, seeds content on the first run only, calls each
  module's onDemoSeed, and stamps demo_state. It resolves $env: strings and
  refuses to run off the demo.
- Client: the banner, one DEMO_LOCKED toast fed from the request primitive (so
  module screens get it too), and the published logins on both sign-in pages.
  Dashboard and register say the demo message instead of blaming a role.
- OpenAPI: DemoLocked schema, the demo block, and a note that any write may
  answer DEMO_LOCKED on the demo.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01E14m6SuuY6i1vASFeGDBeY

server/test/eventModuleContract.test.js

@@ -112,7 +112,7 @@ test('the version a module declares against satisfies ^1.10.0', () => {
   // 1.10.0 loading — Module-uo declares exactly `^1.10.0` — and this is the
   // assertion that says it does. The number itself is pinned in version.js.
   assert.ok(semver.satisfies(MODULE_API_VERSION, '^1.10.0'), MODULE_API_VERSION)
-  assert.equal(MODULE_API_VERSION, '1.17.0')
+  assert.equal(MODULE_API_VERSION, '1.18.0')
 })
 
 test('a module registers actions, budgets, leases and option sources', () => {