Fix checkout password focus-trap and ToDo-Karten hero CTA copy

The new-account password field's onBlur re-focused itself whenever the
value was still invalid (<8 chars), the same generic pattern every other
blur-validated checkout field uses. For most fields that's a helpful
"fix it now" nudge, but it's a genuine trap on a password field near the
end of a card — a shopper could never Tab or click the submit button
until the password was already valid. Dropped just the refocus here
(inline error text still appears immediately); every other field keeps
the existing behavior.

TodoKartenHero.tsx's price line never showed "zzgl. Versand" at all
(pre-existing gap, unrelated to Kleinunternehmer), unlike Pricing.tsx/
ProductSpotlight.tsx — now consistent across all three.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

app/todo-cards/components/TodoKartenHero.tsx

@@ -108,7 +108,7 @@ export async function TodoKartenHero() {
                     <p className="text-body text-text-muted line-through">{formatPrice(product.compareAtPrice!)}</p>
                   )}
                   <p className="font-bold text-h3 text-text-primary">{formatPrice(product.price)}</p>
-                  {!kleinunternehmer && <p className="text-label text-text-muted">inkl. {taxRate}% MwSt.</p>}
+                  <p className="text-label text-text-muted">{kleinunternehmer ? "zzgl. Versand" : `inkl. ${taxRate}% MwSt. zzgl. Versand`}</p>
                 </div>
               )}
               <p className="text-label text-text-muted">