feat: office address, multi-template SMS manager, hardcoded defaults with auto-seed

- Add streetAddress/city/state/zipCode fields to OfficeContact (schema + storage + UI)
- Support {officeAddress} variable in batch reminder SMS
- Replace single SMS template field with full CRUD template list (add/rename/edit/delete)
- Store SMS template list under _sms_template_list; first template synced to batch reminder
- Hardcode all AI chat template defaults into codebase (reminder SMS, greetings, fallback)
- Add seed-templates.ts that auto-seeds default templates for all users on server boot
- Update README: note that templates are auto-configured on first boot

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

apps/Backend/src/routes/office-contact.ts

@@ -22,7 +22,7 @@ router.put("/", async (req: Request, res: Response): Promise<any> => {
     const userId = req.user?.id;
     if (!userId) return res.status(401).json({ message: "Unauthorized" });
 
-    const { officeName, receptionistName, dentistName, phoneNumber, email, fax } = req.body;
+    const { officeName, receptionistName, dentistName, phoneNumber, email, fax, streetAddress, city, state, zipCode } = req.body;
     const record = await storage.upsertOfficeContact(userId, {
       officeName: officeName ?? undefined,
       receptionistName: receptionistName ?? undefined,
@@ -30,6 +30,10 @@ router.put("/", async (req: Request, res: Response): Promise<any> => {
       phoneNumber: phoneNumber ?? undefined,
       email: email ?? undefined,
       fax: fax ?? undefined,
+      streetAddress: streetAddress ?? undefined,
+      city: city ?? undefined,
+      state: state ?? undefined,
+      zipCode: zipCode ?? undefined,
     });
     return res.status(200).json(record);
   } catch (err) {