docs(infra): document MFA on the medewerker realm + ADR-0031 (refs #132)

Runbook gains an MFA section and how to get a code; synthetic-data lists the fixture
TOTP secret and the extra grant parameter; demo-script gains the S-15c note and its
staff logins now mention the second factor. check_realms.py grows an 'otp' argument
that prints a current code for a manual demo.

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>

docs/architecture/adr-0031-mfa-on-the-medewerker-realm.md

@@ -0,0 +1,49 @@
+# ADR-0031 — MFA on the medewerker realm, with a fixture TOTP secret
+
+- **Status:** Accepted
+- **Date:** 2026-09-03
+- **Slice:** S-15c (Gitea #132)
+
+## Context
+
+Staff (behandelaar, teamlead, beheerder) act on citizens' registrations and on the ACL's
+default-fill: the highest-privilege logins in the platform. The medewerker realm protected
+them with a password alone, while the citizen realms (digid, eherkenning, eidas) mock
+brokers that carry their own assurance levels. A reference application that demonstrates a
+government architecture should show MFA on the staff realm.
+
+Two things had to be decided: **how** to enforce OTP in a realm export, and **how the
+automated checks and a human demo obtain a code** — the e2e drives a real browser login and
+`make keycloak-smoke` drives a real password grant, so neither can scan a QR.
+
+## Decision
+
+**Enforce OTP by giving every seeded medewerker a TOTP credential**, rather than replacing
+Keycloak's browser flow with a copy whose OTP execution is `REQUIRED`.
+
+Keycloak's stock `browser` and `direct grant` flows both contain a *conditional OTP*
+subflow that fires when the user has an OTP credential. Seeding the credential therefore
+turns the challenge on for every seeded user, in both flows, without duplicating ~40 lines
+of flow JSON into the export. `CONFIGURE_TOTP` is additionally set as a **default required
+action**, so a medewerker created later must enrol before their first login.
+
+**The seeded secret is a fixed, committed fixture** (`BIGMEDEWERKEROTPSEED`) shared by all
+medewerkers. Codes are then computable: `infra/keycloak/check_realms.py` (Python, stdlib
+`hmac`) and `tests/e2e/medewerker-login.ts` (Node `crypto`) each implement RFC 6238 in
+about six lines — no OTP dependency on either side, and no enrolment step in the tests.
+
+## Consequences
+
+- A password alone no longer yields a token on the medewerker realm; `check_realms.py`
+  asserts that refusal, so the enforcement cannot silently regress.
+- Every medewerker login in the e2e goes through `loginMedewerker()`, which submits the OTP
+  form. New staff specs must use it.
+- **The secret is public.** It is a demo fixture and worthless outside this synthetic
+  stack, in the same class as the committed `test123` passwords and the mock DigiD broker.
+  A real deployment enrols per-user authenticators (or federates to DigiD Machtigen /
+  eHerkenning at the required assurance level) and seeds no credentials at all.
+- Enforcement is *effectively* realm-wide but *technically* per-user: the conditional
+  subflow is what fires. A medewerker whose OTP credential were removed would fall back to
+  the required action at next login (enrol, then challenge) rather than skipping MFA — an
+  acceptable equivalence for this purpose, and the reason the required action is set.
+- Reversal is a one-file edit: drop the `otp` credentials and the `requiredActions` block.