Merge main (!161, the vault hotfix) into release/0.32.0
!161 carried this branch's two vault fixes to main, with the account-switch test written against main's Vault (group names in place of the client records 0.32 adds). Both added that test file; this keeps the 0.32 version, which also checks the handle certificate record. Every other file merged cleanly: the fixes are the same lines on both sides. Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
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