Add SMS templates, prepaid IRT billing, and advertising shortcode 9000590009.
Charge ceil(len/64)*400 IRT per recipient across OTP, customer, and partner SMS; seed new businesses with 500k IRT; default partner sends to the advertising line. Co-authored-by: Cursor <cursoragent@cursor.com>
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-- Per-business prepaid SMS credit (messages). Deducted when customer SMS is sent.
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ALTER TABLE businesses
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ADD COLUMN IF NOT EXISTS sms_balance INTEGER NOT NULL DEFAULT 0;
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COMMENT ON COLUMN businesses.sms_balance IS
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'Prepaid SMS message credits for this business; decremented on customer SMS send.';
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