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>

frontend/package.json

@@ -8,6 +8,8 @@
     "@dnd-kit/utilities": "^3.2.2",
     "@stripe/connect-js": "^3.3.31",
     "@stripe/react-connect-js": "^3.3.31",
+    "@stripe/react-stripe-js": "^5.4.1",
+    "@stripe/stripe-js": "^8.5.3",
     "@tanstack/react-query": "^5.90.10",
     "@types/react-syntax-highlighter": "^15.5.13",
     "axios": "^1.13.2",