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>

packages/db/generated/prisma/index-browser.js

@@ -440,7 +440,11 @@ exports.Prisma.OfficeContactScalarFieldEnum = {
   dentistName: 'dentistName',
   phoneNumber: 'phoneNumber',
   email: 'email',
-  fax: 'fax'
+  fax: 'fax',
+  streetAddress: 'streetAddress',
+  city: 'city',
+  state: 'state',
+  zipCode: 'zipCode'
 };
 
 exports.Prisma.InsuranceContactScalarFieldEnum = {