## Summary
- Fixes login failing with `Error: URL is required` when captcha (Google
reCAPTCHA or Turnstile) is enabled
- The secure axios adapter (`getSecureAxiosAdapter`) checked
`config.url` before `baseURL` resolution. In Axios, `baseURL + url`
combination happens inside the default HTTP adapter, not before custom
adapters are called. When captcha drivers configure a `baseURL` and call
`.post('', data)`, the empty string url was incorrectly treated as
missing.
- The adapter now resolves `baseURL` + `url` itself before validation,
matching the default Axios HTTP adapter behavior
## Test plan
- [x] Existing unit tests (23 tests) all pass
- [ ] Verify login works with captcha enabled (`CAPTCHA_DRIVER` set to
`google-recaptcha` or `turnstile`)
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