Automations engine: multi-channel messaging + dashboard

THE STAR OF THE SHOW — the automation engine is now visible.

## New: Unified Messaging Layer (src/lib/messaging.ts)
Channel waterfall: WhatsApp → SMS → Email
- sendToDonor() routes to best available channel
- Respects donor consent flags (whatsappOptIn, emailOptIn)
- Falls back automatically if primary channel fails
- Every attempt logged to AnalyticsEvent for dashboard

## New: Email Integration (src/lib/email.ts)
Bring-your-own-key: charity pastes their Resend or SendGrid API key
- Resend: free 3,000 emails/month
- SendGrid: free 100/day
- Messages come from THEIR domain (donations@mymosque.org)
- Plain text auto-converted to clean HTML

## New: SMS Integration (src/lib/sms.ts)
Bring-your-own-key: charity pastes their Twilio credentials
- Pay-as-you-go (~3p per SMS)
- UK number normalization (07xxx → +447xxx)
- Reaches donors without WhatsApp or email

## New: /dashboard/automations — the visible engine
A. Dark hero stats: Messages this week per channel + delivery rate
B. Live channels: WhatsApp/Email/SMS with status, features, stats
C. The Pipeline: visual 4-step automation sequence
   - What triggers, what's sent, which channels, waterfall explanation
D. Scheduled reminders: upcoming messages with timing
E. Message feed: recent messages with channel icon, status, time

## New: /api/messaging/status — dashboard data endpoint
Returns channels, stats (7 day), history (50 recent), pending reminders

## New: /api/messaging/test — send test message to admin

## Schema: 8 new Organization columns
emailProvider, emailApiKey, emailFromAddress, emailFromName
smsProvider, smsAccountSid, smsAuthToken, smsFromNumber

## Settings: 2 new channel rows in the checklist
- Email: provider selector (Resend/SendGrid) + API key + from address
- SMS: Twilio credentials + from number
Both follow the same checklist expand/collapse pattern

## Nav: Automations added between Money and Reports
Home → Collect → Money → Automations → Reports → Settings

## Stats tracking
Messages logged as AnalyticsEvent:
  message.whatsapp.receipt.sent
  message.email.reminder_1.failed
  message.sms.reminder_2.sent
Donor PII masked in logs (last 4 digits of phone, email obfuscated)

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

@@ -25,6 +25,14 @@ model Organization {
   gcEnvironment   String   @default("sandbox")
   stripeSecretKey    String?
   stripeWebhookSecret String?
+  emailProvider     String?  // resend, sendgrid, smtp
+  emailApiKey       String?
+  emailFromAddress  String?  // e.g. donations@mymosque.org
+  emailFromName     String?  // e.g. "Al Furqan Mosque"
+  smsProvider       String?  // twilio
+  smsAccountSid     String?
+  smsAuthToken      String?
+  smsFromNumber     String?  // e.g. +447123456789
   whatsappConnected Boolean @default(false)
   createdAt       DateTime @default(now())
   updatedAt       DateTime @updatedAt