Referral page, bug fixes, seed data, persona tiers

- New /refer page with share/copy/stats
- Fixed modal z-index conflicts (z-50 → z-[60]) across forum, groups, souq, halal-monitor
- Seed route: forum categories, marketplace listings, private groups
- Mufti/Daie personas now available in Premium tier
- Fixed referral share link: falahos.my/mobile/auth?ref=CODE
- Fixed client-side persona access check for premium

src/app/wallet/page.tsx

@@ -55,7 +55,7 @@ export default function WalletPage() {
   const [topupLoading, setTopupLoading] = useState<number | null>(null);
 
   useEffect(() => {
-    if (!loading && !token) router.push("/login");
+    if (!loading && !token) router.push("/auth");
   }, [loading, token, router]);
 
   useEffect(() => {