fix(account): add Account Settings to real sidebar nav

The Settings item wired in Task 7 lived in UserHeaderComponent, which is
unused dead code (its selector is rendered nowhere). Add a real "Account
Settings" entry to the Personal nav section of UserPortalComponent (the
actual shell) pointing at /user-portal/account, and revert the ineffective
user-header edit.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

APP/src/app/portals/user-portal/components/user-header/user-header.component.ts

@@ -100,7 +100,7 @@ export class UserHeaderComponent implements OnInit, OnDestroy {
         {
           text: 'Settings',
           icon: 'settings',
-          click: () => this.router.navigate(['/user-portal/account'])
+          disabled: true
         },
         { separator: true },
         {

APP/src/app/portals/user-portal/user-portal.component.ts

@@ -21,6 +21,7 @@ import {
   xIcon,
   chevronDownIcon,
   lockIcon,
+  gearIcon,
 } from '@progress/kendo-svg-icons';
 import { AuthService, UserInfo } from '../../shared/services/auth.service';
 import { PageHeaderService } from '../../shared/services/page-header.service';
@@ -145,6 +146,7 @@ export class UserPortalComponent implements OnInit, OnDestroy {
 
   public personalNavItems: NavItem[] = [
     { text: 'My Reimbursements', icon: walletOutlineIcon, path: '/user-portal/reimbursements' },
+    { text: 'Account Settings', icon: gearIcon, path: '/user-portal/account' },
   ];
 
   public showMemberAdminSection = false;