feat: add Playwright E2E and API regression test suite

Production-ready test infrastructure with Page Object Model pattern,
reusable fixtures for auth/DB/test-data, and example tests covering
login flow, dashboard, accounts CRUD API, and visual regression.

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

.env.test.example

@@ -0,0 +1,28 @@
+# ─── Playwright E2E Test Environment ────────────────────────────────
+# Copy to .env.test and fill in values for your local or CI setup.
+
+# Base URL of the running application (nginx proxy)
+# Local dev: http://localhost (Docker Compose nginx on port 80)
+# Production: https://your-production-domain.com
+BASE_URL=http://localhost
+
+# ─── Test Database ──────────────────────────────────────────────────
+# Direct Postgres connection for test data seeding/cleanup.
+# Use the SAME database as Docker Compose postgres service.
+# WARNING: Tests will create/delete data — never point at production.
+TEST_DB_URL=postgresql://hoafinance:change_me@localhost:5432/hoafinance
+
+# ─── Test User Credentials ──────────────────────────────────────────
+# Pre-seeded user for authenticated test flows.
+# The seed script (tests/fixtures/db.fixture.ts) creates this user.
+TEST_USER_EMAIL=e2e-treasurer@test.hoaledgeriq.com
+TEST_USER_PASSWORD=TestPass123!
+TEST_USER_ROLE=treasurer
+
+# ─── API Base URL ───────────────────────────────────────────────────
+# Backend API base (through nginx). Usually same as BASE_URL + /api
+API_BASE_URL=http://localhost/api
+
+# ─── CI Settings ────────────────────────────────────────────────────
+# CI=true is typically set by CI providers automatically.
+# CI=true