Seed household settings at boot and serve the settings API

On first boot create the single household_settings row with the zone from
MEALQUEST_DEFAULT_TZ and the seed times and days (dinner 17:30, reminder
16:30, rotation check 09:00, plan draft Fri 09:00, suggestions Sun 08:00,
chat autosend Sat 08:00). Boot fails if the row is missing and the zone is
unset; an existing row is never overwritten. Config validates the zone
whenever it is set.

Add household.SettingsService with Get, a validating Update (IANA zone,
zero-padded 24-hour HH:MM, day of week 0-6) that records updated_by, and
in-process Subscribe for the scheduler. Serve it as GET and PATCH
/api/v1/settings/household; invalid input is a 400 in the standard error
body. Migration 0002 adds household_settings.updated_by, and
internal/actor carries the member name in the request context.

Link time/tzdata from internal/household so zones load in the minimal
image, which has no system zone database.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

internal/server/server_test.go

@@ -1,6 +1,7 @@
 package server
 
 import (
+	"context"
 	"encoding/json"
 	"io"
 	"log/slog"
@@ -10,6 +11,10 @@ import (
 	"strings"
 	"testing"
 	"testing/fstest"
+
+	"code.cubecraftlabs.com/Maniacs_Mansion/Meal-Quest/internal/household"
+	"code.cubecraftlabs.com/Maniacs_Mansion/Meal-Quest/internal/store"
+	"code.cubecraftlabs.com/Maniacs_Mansion/Meal-Quest/migrations"
 )
 
 const (
@@ -19,19 +24,56 @@ const (
 )
 
 func newTestRouter(t *testing.T, version string) http.Handler {
+	t.Helper()
+	return newTestRouterWith(t, version, newTestSettings(t))
+}
+
+func newTestRouterWith(t *testing.T, version string, settings *household.SettingsService) http.Handler {
 	t.Helper()
 	logger := slog.New(slog.NewTextHandler(io.Discard, nil))
 	assets := fstest.MapFS{
 		"index.html":             {Data: []byte(fixtureIndex)},
 		"assets/index-AbC123.js": {Data: []byte(fixtureAsset)},
 	}
-	r, err := NewRouter(logger, version, assets)
+	r, err := NewRouter(logger, version, assets, settings)
 	if err != nil {
 		t.Fatal(err)
 	}
 	return r
 }
 
+// newTestSettings returns a settings service over a migrated temp database
+// seeded with zone America/New_York.
+func newTestSettings(t *testing.T) *household.SettingsService {
+	t.Helper()
+	ctx := context.Background()
+	st, err := store.Open(ctx, t.TempDir())
+	if err != nil {
+		t.Fatal(err)
+	}
+	t.Cleanup(func() {
+		if err := st.Close(); err != nil {
+			t.Error(err)
+		}
+	})
+	if err := store.Migrate(ctx, st.Writer, migrations.FS); err != nil {
+		t.Fatal(err)
+	}
+	if err := household.SeedSettings(ctx, st, "America/New_York"); err != nil {
+		t.Fatal(err)
+	}
+	return household.NewSettingsService(st)
+}
+
+func TestNewRouterRequiresSettings(t *testing.T) {
+	t.Parallel()
+
+	logger := slog.New(slog.NewTextHandler(io.Discard, nil))
+	if _, err := NewRouter(logger, "dev", fstest.MapFS{"index.html": {}}, nil); err == nil {
+		t.Fatal("NewRouter accepted a nil settings service")
+	}
+}
+
 func TestHealth(t *testing.T) {
 	t.Parallel()