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/src/components/DevQuickLogin.tsx

@@ -97,6 +97,9 @@ export function DevQuickLogin({ embedded = false }: DevQuickLoginProps) {
       // Store token in cookie (use 'access_token' to match what client.ts expects)
       setCookie('access_token', response.data.token, 7);
 
+      // Clear any existing masquerade stack - this is a fresh login
+      localStorage.removeItem('masquerade_stack');
+
       // Fetch user data to determine redirect
       const userResponse = await apiClient.get('/auth/me/');
       const userData = userResponse.data;