Automations deep redesign: message design studio with WhatsApp-native preview

COMPLETE RETHINK — from monitoring dashboard to message design studio.

## The Big Idea
Aaisha doesn't need a dashboard that says 'is it working?'
She needs a studio where she can SEE what Ahmed sees on his phone,
EDIT the words, TEST different approaches, and DESIGN cross-channel
sequences. The WhatsApp phone mockup is the star.

## New: Phone Mockups (3 channels)
- WhatsApp: green bubbles, blue ticks, org avatar, chat wallpaper,
  full formatting (*bold*, _italic_, `code`, ━━━ dividers)
- Email: macOS mail client chrome, From header, subject line
- SMS: iOS Messages style, grey bubbles, contact avatar

## New: Template Editor
- Editable templates per step (receipt, day 2, 7, 14) per channel
- Live preview in phone mockup as you type
- Variable insertion chips: {{name}}, {{amount}}, {{reference}}, etc.
- Subject line editor for email channel
- Character count + SMS segment counter

## New: A/B Testing
- Create Variant B of any step/channel message
- 50/50 split traffic automatically
- Track sent count + conversion rate (paid after receiving)
- Side-by-side stats: 'A: 33% paid, B: 54% paid ★'
- Delete variant to revert to single message

## New: Channel Strategy Matrix
- 3 presets: Waterfall (default), Belt & Suspenders, Escalation
- Visual matrix: steps × channels with status indicators
- 1st = primary, fb = fallback, + = parallel send
- Waterfall: WhatsApp → SMS → Email (most cost-effective)
- Belt & Suspenders: all channels for receipts + final
- Escalation: start gentle (WA only), add channels as urgency increases

## New: Customizable Timing
- Each step's delay is editable inline (dropdown next to phone)
- Default: Day 2, Day 7, Day 14
- Can change to any schedule: Day 1, Day 3, Day 21, Day 28

## Schema: 2 new models
- MessageTemplate: per-org editable templates with A/B variants
  (step, channel, variant, body, subject, splitPercent, sentCount, convertedCount)
- AutomationConfig: per-org timing + strategy + channel matrix

## API: /api/automations (GET/PATCH/DELETE)
- GET seeds defaults on first load (12 templates: 4 steps × 3 channels)
- PATCH upserts templates and config
- DELETE removes variant B and resets A to 100%

## Default templates (src/lib/templates.ts)
Extracted from hardcoded whatsapp.ts + reminders.ts into editable templates:
- WhatsApp: receipt, gentle, impact, final (with emoji + formatting)
- Email: receipt, gentle, impact, final (with cancel/pledge URLs)
- SMS: receipt, gentle, impact, final (160-char optimized)

## Architecture
templates.ts → resolvePreview() fills {{variables}} with examples
templates.ts → resolveTemplate() fills {{variables}} with real data
messaging.ts → sendToDonor() routes via channel waterfall
automations/route.ts → seeds + CRUD for templates + config

## Visual: Step timeline at top
4 tabs across the top with emoji, timing, description
Active step is dark (111827), others are white
Click to switch — editor and phone update together

## Layout
[Step Timeline — 4 tabs across top]
[Phone Mockup (left) | Editor (right)]
[Channel Strategy — expandable matrix]
[Live Feed — condensed stats + scheduled + messages]

pledge-now-pay-later/prisma/schema.prisma

@@ -37,10 +37,12 @@ model Organization {
   createdAt       DateTime @default(now())
   updatedAt       DateTime @updatedAt
 
-  users    User[]
-  events   Event[]
-  pledges  Pledge[]
-  imports  Import[]
+  users              User[]
+  events             Event[]
+  pledges            Pledge[]
+  imports            Import[]
+  messageTemplates   MessageTemplate[]
+  automationConfig   AutomationConfig?
 
   @@index([slug])
 }
@@ -234,6 +236,41 @@ model Import {
   @@index([organizationId])
 }
 
+model MessageTemplate {
+  id             String   @id @default(cuid())
+  organizationId String
+  organization   Organization @relation(fields: [organizationId], references: [id], onDelete: Cascade)
+  step           Int      // 0=receipt, 1=day2_gentle, 2=day7_impact, 3=day14_final
+  channel        String   // whatsapp, email, sms
+  variant        String   @default("A") // A, B for A/B testing
+  name           String   // human label: "Gentle reminder", "Impact nudge"
+  subject        String?  // email-only: subject line
+  body           String   // template with {{variables}}
+  isActive       Boolean  @default(true)
+  splitPercent   Int      @default(100) // A/B: e.g. 50 = 50% get this variant
+  sentCount      Int      @default(0)
+  convertedCount Int      @default(0) // donors who paid after receiving this
+  createdAt      DateTime @default(now())
+  updatedAt      DateTime @updatedAt
+
+  @@unique([organizationId, step, channel, variant])
+  @@index([organizationId])
+}
+
+model AutomationConfig {
+  id             String   @id @default(cuid())
+  organizationId String   @unique
+  organization   Organization @relation(fields: [organizationId], references: [id], onDelete: Cascade)
+  isActive       Boolean  @default(true)
+  step1Delay     Int      @default(2)  // days after pledge for step 1
+  step2Delay     Int      @default(7)  // days after pledge for step 2
+  step3Delay     Int      @default(14) // days after pledge for step 3
+  strategy       String   @default("waterfall") // waterfall, parallel, escalation, custom
+  channelMatrix  Json?    // per-step channel config: { "0": ["whatsapp","email"], "1": ["whatsapp"], ... }
+  createdAt      DateTime @default(now())
+  updatedAt      DateTime @updatedAt
+}
+
 model AnalyticsEvent {
   id        String   @id @default(cuid())
   eventType String   // pledge_start, amount_selected, rail_selected, identity_submitted, pledge_completed, instruction_copy_clicked, i_paid_clicked, payment_matched