fix: high-severity security hardening (Phase B permissions audit)

Phase B addresses 7 high-severity gaps from the permissions audit:

- B1: Enforce tree access check on session start via can_access_tree
- B2: Replace all inline permission helpers with centralized permissions.py
- B3: Fix require_engineer_or_admin to check is_team_admin before role
- B4: Add is_active field on User with enforcement in get_current_active_user
- B5: Add admin user management endpoints (list, get, role, team-admin, deactivate, activate)
- B6: Add rate limiting on auth/invite endpoints via slowapi (disabled in DEBUG)
- B7: Implement refresh token rotation with JTI-based revocation and meaningful logout

Also reduces access token TTL from 15 to 5 minutes and updates CLAUDE.md
with SaaS/MSP context for future planning sessions.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

backend/app/api/router.py

@@ -1,5 +1,5 @@
 from fastapi import APIRouter
-from app.api.endpoints import auth, trees, sessions, invite, categories, tags, folders, step_categories, steps
+from app.api.endpoints import auth, trees, sessions, invite, categories, tags, folders, step_categories, steps, admin
 
 api_router = APIRouter()
 
@@ -12,3 +12,4 @@ api_router.include_router(tags.router)
 api_router.include_router(folders.router)
 api_router.include_router(step_categories.router)
 api_router.include_router(steps.router)
+api_router.include_router(admin.router)