Add notification preferences and alternate dues payment options

Notification preferences (migration 048):
- Per-member opt-out of muteable categories (bookings, classes, forms,
  admin alerts); billing is always-on. Opt-out model, default on.
- Dispatcher reads prefs and marks muted outbox rows 'skipped' instead
  of sending; pure isMuted logic, fail-open on a prefs lookup error.
- notification_preferences table (default-deny RLS); /me toggles and
  self-view via validated service-client actions.

Alternate dues payment methods (migration 049):
- Admin sets external pay-here URLs per platform (PayPal/Zeffy/Venmo)
  in /settings; members see active ones on /me and pay off-platform;
  the treasurer reconciles manually (platform pre-tagged). https-only.
- dues_payment_methods table (SELECT space member, write admin/board).

/me visual pass:
- Restore the chip/preset profile editor (skills/interests/willing-to/
  affiliations); promote ChipInput and presets to shared modules.
- Gate the Stripe pay-dues button on whether the space has Stripe
  configured; show external links or a contact-admin note otherwise.

app/(app)/me/notification-prefs.tsx

@@ -0,0 +1,52 @@
+'use client'
+
+import { useState, useTransition } from 'react'
+import { toast } from 'sonner'
+import { Switch } from '@/components/ui/switch'
+import {
+  CATEGORY_META,
+  type PrefMap,
+  type NotificationCategory,
+} from '@/lib/notifications-prefs-logic'
+import { setMyNotificationPreference } from '@/lib/actions'
+
+// Per-category email opt-out toggles. Optimistic: the switch flips immediately
+// and reverts if the server action fails. Billing is never shown (always on).
+export function NotificationPrefs({ initial }: { initial: PrefMap }) {
+  const [prefs, setPrefs] = useState<PrefMap>(initial)
+  const [pending, startTransition] = useTransition()
+
+  function toggle(category: NotificationCategory, next: boolean) {
+    const prev = prefs[category] ?? true
+    setPrefs(p => ({ ...p, [category]: next }))
+    startTransition(async () => {
+      const res = await setMyNotificationPreference({ category, enabled: next })
+      if ('error' in res) {
+        setPrefs(p => ({ ...p, [category]: prev }))
+        toast.error(res.error)
+      }
+    })
+  }
+
+  return (
+    <ul className="divide-y rounded-lg border border-border">
+      {CATEGORY_META.map(meta => {
+        const enabled = prefs[meta.category] ?? true
+        return (
+          <li key={meta.category} className="p-4 flex items-center justify-between gap-4">
+            <div className="min-w-0">
+              <span className="font-sans text-sm text-foreground">{meta.label}</span>
+              <p className="font-sans text-xs text-muted-foreground mt-0.5">{meta.description}</p>
+            </div>
+            <Switch
+              checked={enabled}
+              disabled={pending}
+              onCheckedChange={next => toggle(meta.category, next)}
+              aria-label={`Email me about ${meta.label}`}
+            />
+          </li>
+        )
+      })}
+    </ul>
+  )
+}