Merge branch 'totp'

Both branches added database migration 3: DNSSEC (merged first) keeps 3
and TOTP becomes migration 4.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

docs/install.md

@@ -241,12 +241,14 @@ tar czf /root/bind-before-jarl-$(date +%F).tgz /etc/bind /var/lib/bind /var/cach
 ## 5. Create the database and the first administrator
 
 ```sh
-sudo -u jarl jarld init --token \
+sudo -u jarl jarld init --token -u adam \
     --nameservers ns1.adbraun.lol. --contact hostmaster@adbraun.lol
 ```
 
-It asks for the administrator's password (user `admin`, change it with
-`-u NAME`). `--token` also prints an API token for the CLI, shown only
+It asks for the administrator's password. Name the account after yourself
+(`-u`, default `admin`): each person should have their own account, with
+their own [two-factor login](permissions.md#two-factor-login), which you
+can turn on under Account once you have logged in. `--token` also prints an API token for the CLI, shown only
 once. `--nameservers` and `--contact` are the defaults for zones you create
 later, and you can change them in the UI or with `jarl settings set`.