production: reminder cron, dashboard overhaul, shadcn components, setup wizard

- /api/cron/reminders: processes pending reminders every 15min, sends WhatsApp with email fallback
- /api/cron/overdue: marks overdue pledges daily (7d deferred, 14d immediate)
- /api/pledges: GET handler with filtering, search, pagination, sort by dueDate
- Dashboard overview: stats, collection progress bar, needs attention, upcoming payments
- Dashboard pledges: proper table with status tabs, search, actions, pagination
- New shadcn components: Table, Tabs, DropdownMenu, Progress
- Setup wizard: 4-step onboarding (org → bank → event → QR code)
- Settings API: PUT handler for org create/update
- Org resolver: single-tenant fallback to first org
- Cron jobs installed: reminders every 15min, overdue check at 6am
- Auto-generates installment dates when not provided
- HOSTNAME=0.0.0.0 in compose for multi-network binding

playwright-cli.json

@@ -0,0 +1,11 @@
+{
+  "browser": {
+    "browserName": "chromium",
+    "launchOptions": { "headless": true },
+    "contextOptions": {
+      "viewport": { "width": 1440, "height": 900 },
+      "ignoreHTTPSErrors": true
+    }
+  },
+  "outputDir": "./screenshots"
+}