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/package.json

@@ -1,5 +1,5 @@
 {
-  "name": "prisma-client-bdc07eb887b3bb595b0151af876608d0c2dad5b625bc466303ffa3819c38e3ca",
+  "name": "prisma-client-7ab23aa0435ee62d1543cc6f3f10f1fac4ea741f94efe006ada0cea03090a0c9",
   "main": "index.js",
   "types": "index.d.ts",
   "browser": "default.js",