Release v0.28.0: security-audit-0026 I3 + I4 (HTML-email guard + async Turnstile)

Two informational findings from the Session-0026 audit, both
framework-internal defense-in-depth. No operator action: no migration,
no schema/config/overlay change, no deployment-facing surface.

- I3: guard the dead text/html branch in email_envelope.build_envelope.
  No send path passes body_html; the unused branch would emit HTML built
  from possibly-unescaped user content (C1 stored-XSS class in the mail
  channel). Passing body_html now raises NotImplementedError; the arg is
  kept for documented future symmetry, enabling HTML mail becomes a
  deliberate escape-then-unguard change.

- I4: make turnstile.verify_token async. The sync httpx.post ran inside
  the async /auth/otc/request handler, blocking the event loop up to the
  10s timeout on a slow CloudFlare call. It now awaits httpx.AsyncClient
  via a narrow _siteverify_post seam (tests patch the seam, not the
  shared AsyncClient). The sole caller (main.py) now awaits it.

Tests: full backend suite 365 passed. Added a coroutine-contract unit
test for verify_token and flipped the email_envelope HTML test to assert
the guard.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

backend/app/main.py

@@ -267,7 +267,7 @@ def _oauth_router(config) -> APIRouter:
         # secret AND TURNSTILE_REQUIRED=false (the default), the gate
         # opens — see `backend/app/turnstile.py` for the full matrix.
         client_ip = request.client.host if request.client else None
-        ts = turnstile.verify_token(body.turnstile_token, client_ip=client_ip)
+        ts = await turnstile.verify_token(body.turnstile_token, client_ip=client_ip)
         if not ts.ok:
             if ts.reason == "misconfigured":
                 # TURNSTILE_REQUIRED=true but the secret is unset. This