feat(GRO-2152): route optimization schema migration

Add the database foundation for mobile groomer route optimization:

- clients: latitude/longitude (double precision) + geocodedAt
- groomer_routes: per-(staff, date) route with route_status enum,
  totals, optimizedAt; UNIQUE(staff_id, route_date)
- route_stops: ordered stops FK->groomer_routes (cascade) + appointments,
  lat/lng, per-leg travel mins/distance, bufferMins;
  UNIQUE(route_id, appointment_id) and UNIQUE(route_id, stop_order)
- business_settings: defaultTravelBufferMins (default 15),
  routeOptimizationProvider (default nominatim), googleMapsApiKey
  (encrypted at rest at the app layer)
- Idempotent hand-authored migration 0041 + journal entry (when=max+1)

Lands in packages/db (the deployed schema/migration source per the
Dockerfile migrate stage); apps/api is the legacy CI-only copy.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

packages/db/src/factories.ts

@@ -78,6 +78,9 @@ export function buildClient(overrides: Partial<ClientRow> = {}): ClientRow {
     stripeCustomerId: null,
     status: "active",
     disabledAt: null,
+    latitude: null,
+    longitude: null,
+    geocodedAt: null,
     createdAt: new Date("2025-01-01T00:00:00Z"),
     updatedAt: new Date("2025-01-01T00:00:00Z"),
     ...overrides,