feat(GRO-600): extend reminder scheduler to send SMS alongside email

- Add SMS opt-in fields to clients schema (smsOptIn, smsConsentDate, smsOptOutDate, smsConsentText)
- Add channel column to reminderLogs with per-channel idempotency
- Create SMS service with Telnyx SDK integration and E.164 validation
- Update reminders service to conditionally send SMS to opted-in clients
- Add TCPA opt-out text to SMS reminders
- Graceful degradation: catch SMS errors without blocking email
- Fix: use clients.phone instead of non-existent clients.phoneE164
- Update clients route to expose SMS fields in API
- Add telnyx dependency to API package
- Create database migration 0028_sms_reminders

Co-Authored-By: Paperclip <noreply@paperclip.ing>

apps/api/src/routes/clients.ts

@@ -12,6 +12,8 @@ const createClientSchema = z.object({
   phone: z.string().max(50).optional(),
   address: z.string().max(500).optional(),
   notes: z.string().max(2000).optional(),
+  smsOptIn: z.boolean().optional(),
+  smsConsentText: z.string().max(1000).optional(),
 });
 
 
@@ -95,6 +97,7 @@ clientsRouter.post("/", zValidator("json", createClientSchema), async (c) => {
 // Update a client (including status changes)
 const patchClientSchema = createClientSchema.partial().extend({
   status: z.enum(["active", "disabled"]).optional(),
+  smsOptOut: z.boolean().optional(),
 });
 
 clientsRouter.patch(
@@ -107,13 +110,19 @@ clientsRouter.patch(
 
     const setValues: Record<string, unknown> = { ...body, updatedAt: now };
 
-    // When disabling, set disabledAt; when re-enabling, clear it
     if (body.status === "disabled") {
       setValues.disabledAt = now;
     } else if (body.status === "active") {
       setValues.disabledAt = null;
     }
 
+    if (body.smsOptOut === true) {
+      setValues.smsOptIn = false;
+      setValues.smsOptOutDate = now;
+      delete setValues.smsOptOut;
+    }
+    delete setValues.smsOptOut;
+
     const [row] = await db
       .update(clients)
       .set(setValues)