Admin portal (/admin) + free house ads; POL amounts show two decimals

- /admin: email magic-code sign-in allowlisted to ADMIN_EMAIL, 12h admin
  session (cookie iap.adm, persisted in the volume). Bearer ADMIN_PASSWORD
  API access still works. Member area shows an Admin link for that email.
- House ads: admin places banner/text/login/solo/video/featured/visits
  campaigns owned by house@instantadpay.com that cost nothing; budget is
  only a delivery cap, spend is never charged or burned.
- Admin APIs: overview, all campaigns (+pause/resume any), members
  (+re-point sponsor), reports (+resolve), pending burns, rates/site
  config get+patch, creative upload.
- fmtPol rounds to two decimals everywhere (dashboard, toasts, prices).

Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>

public/terms.html

@@ -36,7 +36,7 @@
     <p class="muted small" style="margin-top:18px">See also the <a href="/disclaimer">Disclaimer</a> and <a href="/privacy">Privacy Policy</a>.</p>
   </div>
 </div></section>
-<script src="/assets/common.js?v=20260908c"></script>
+<script src="/assets/common.js?v=20260909a"></script>
 <script src="/assets/legal.js?v=20260908a"></script>
 </body>
 </html>