V120 LOCAL ACCOUNT + PER-ACCOUNT SAVE/LOAD

Account authentication:
- CREATE ACCOUNT and LOG IN remain inside BG2 UI.MENU.
- Account password verification remains stored as numeric verifier data in Baldur.lua.
- CREATE ACCOUNT keeps password/confirmation so LOG IN becomes available immediately.

Character folders:
- A small hidden LOCAL folder router is installed on the same PC as BG2.
- It is not a network server and it never receives or verifies the account password.
- It only reads a numeric account-name routing signal from Baldur.lua after BG2 has authenticated the account.
- BG2's normal Documents/.../characters path becomes a Windows directory junction.
- When logged in as AccountName, that junction points directly to:
    <account root>\AccountName\characters
- SAVE ACCOUNT CHARACTER therefore writes physically into that account folder.
- LOAD ACCOUNT CHARACTER uses BG2's native character import list and therefore sees only that account folder.
- Logout points the junction back to the no-account holding folder.

Default account root:
- Same drive as BaldurII.exe, e.g. F:\DRAKHYSYS_BG2_ACCOUNTS

Existing loose characters:
- Setup does not copy or back them up.
- The existing Documents/.../characters directory is moved/renamed once to:
    Documents/.../_DRAKHYSYS_NO_ACCOUNT_CHARACTERS
- This keeps those loose files separate from every authenticated account.
- Move a CHR/BIO pair manually into an account's characters folder if you want to assign an old exported character to that account.

No automatic character backup, restoration, synchronization, or respawn behavior is included.
