- Separate load factor from concurrency: concurrency controls actual
slot acquisition, load_factor controls load rate calculation
- Add EffectiveLoadFactor() method: LoadFactor > Concurrency > 1
- Add load_factor field to Create/Edit/BulkEdit account forms
- Fix RPM default value: auto-fill 15 when RPM enabled but not set
- Fix stale test compilation errors in server and handler packages