feat: Email templates, bulk delete, communication credits, plan features

- Add email template presets for Browse Templates tab (12 templates)
- Add bulk selection and deletion for My Templates tab
- Add communication credits system with Twilio integration
- Add payment views for credit purchases and auto-reload
- Add SMS reminder and masked calling plan permissions
- Fix appointment status mapping (frontend/backend mismatch)
- Clear masquerade stack on login/logout for session hygiene
- Update platform settings with credit configuration
- Add new migrations for Twilio and Stripe payment fields

🤖 Generated with [Claude Code](https://claude.com/claude-code)

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

.idea/inspectionProfiles/Project_Default.xml

@@ -0,0 +1,17 @@
+<component name="InspectionProjectProfileManager">
+  <profile version="1.0">
+    <option name="myName" value="Project Default" />
+    <inspection_tool class="Eslint" enabled="true" level="WARNING" enabled_by_default="true" />
+    <inspection_tool class="PyCompatibilityInspection" enabled="true" level="WARNING" enabled_by_default="true">
+      <option name="ourVersions">
+        <value>
+          <list size="3">
+            <item index="0" class="java.lang.String" itemvalue="3.14" />
+            <item index="1" class="java.lang.String" itemvalue="3.7" />
+            <item index="2" class="java.lang.String" itemvalue="3.8" />
+          </list>
+        </value>
+      </option>
+    </inspection_tool>
+  </profile>
+</component>

.idea/inspectionProfiles/profiles_settings.xml

@@ -0,0 +1,6 @@
+<component name="InspectionProjectProfileManager">
+  <settings>
+    <option name="USE_PROJECT_PROFILE" value="false" />
+    <version value="1.0" />
+  </settings>
+</component>