- config: add optional configPaths parameter to load() for test isolation
(tests now use t.TempDir() to avoid interference from D:\app\data)
- handler: fix stubAccountRepoForHandler.ListByPlatform to return accounts
(was returning nil, nil causing "no available accounts" errors)
- logger: fix Sync() blocking on Windows pipes by closing write end first
(also add Reset() function to close lumberjack file handles for cleanup)