Restart of Loop A (fresh review -> fix -> verify) findings from commit 5e967fa:
- B1: sweep auto-refund treats Square PENDING refunds as NON-terminal (row stays pending, no gift-card clawback, refunds row inserted for payments AND till_sales, re-polls the deterministic sweepdup- key); Square-less pre-pass exempts square_refund_id IS NOT NULL rows
- M4: terminal tip carve accounts for pending campaign discounts (headroom = total - pending - paid) so explicit tips aren't absorbed as service revenue; no-tip case stays a single record
- max_redemptions TOCTOU closed with atomic conditional UPDATE ... RETURNING; exhausted-at-apply surfaces campaign_fully_redeemed
- 2FA: verification code is single-use on the saved-card gate (VerifyForUser consume=true, interactive flows unaffected); new POST /api/user/2fa/code mints a fresh code for enabled users (RequireAuth + RequireNonGuest + mint cooldown + per-user limiter)
- Refresh tokens: family_id + used_at columns; reuse of an already-rotated token revokes the ENTIRE family and inserts a refresh_token_reuse admin alert; rotation mints descendants in the same family
- Frontend: 2FA code input + Request-a-new-code on all saved-card surfaces; admin modal keys code input to customer 2FA + 403 self-heal; tip-display note for pending discounts; 76 frontend tests
- Verified: all 26 backend packages pass, frontend build+tests green, env-docs 41/41
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