Addresses Felix (blocker 1): the old implementation consumed from both buckets
before checking either result, silently eroding the per-email quota when only the
per-IP limit was blocking. The fix checks ipEmail first, then IP; on IP failure it
refunds the ipEmail token so legitimate users behind a shared IP are not penalised.
Also adds two new test cases:
- different_email_from_same_ip_not_blocked_by_sibling_email_exhaustion (Sara)
- ip_exhaustion_does_not_consume_ipEmail_tokens_for_blocked_attempts (red → green)
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>