- Add INIT_REGULAR_USER/INIT_REGULAR_PASS for non-admin test user creation
- Regular user created at startup with role='user', not admin
- Move bill_history_ranges from inline to versioned migration v0.42
- Clean up FUTURE.md: remove completed items, add skip-first-login item
- Added schema_migrations table for explicit version tracking (CRITICAL fix)
- Refactored runMigrations() to use versioned migration objects
- Added hasMigrationBeenApplied() and recordMigration() helpers
- Migrations now skip already-applied versions and log progress
- Updated FUTURE.md with migration system issues and criticality ratings
- Updated Engineering_Reference_Manual.md with migration system docs
- Added DEVELOPMENT_LOG.md for agent work tracking