Add workflow-centric patient journey with financial gates.

Introduces a facility workflow engine as Care's primary configuration
object: onboarding now leads with a facility category (which modules to
enable) and a workflow template (how patients move + where money is
collected), including standard herbal hospital/clinic templates.

Templates materialize into care_facility_workflows/care_workflow_stages.
The engine tracks a visit's position via care_visit_stage_advances and,
with FinancialGateService, gates a stage's queue behind a cleared
FinancialObligation (paid/authorized/waived/deferred) for "before"
payment timing while leaving "after" (pay-at-exit) flows unblocked.
Gated behavior is opt-in behind the workflow_engine/financial_gates
rollout flags; legacy orgs keep current behavior.

Co-authored-by: Cursor <cursoragent@cursor.com>

database/migrations/2026_07_17_200000_create_care_workflow_engine_tables.php

@@ -0,0 +1,129 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+/**
+ * Workflow-centric patient journey + financial gates.
+ *
+ * FacilityWorkflow → ordered WorkflowStage graph (materialized from a template).
+ * VisitStageAdvance → a visit's position + history through those stages.
+ * FinancialObligation → charge intent created before/after a stage; a stage's
+ * queue stays gated until its obligation clears (paid / authorized / waived).
+ */
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::create('care_facility_workflows', function (Blueprint $table) {
+            $table->id();
+            $table->uuid('uuid')->unique();
+            $table->string('owner_ref')->index();
+            $table->foreignId('organization_id')->constrained('care_organizations')->cascadeOnDelete();
+            $table->foreignId('branch_id')->nullable()->constrained('care_branches')->nullOnDelete();
+            $table->string('name');
+            $table->string('template_key')->nullable();
+            $table->string('category')->nullable();
+            $table->boolean('is_active')->default(true);
+            $table->json('settings')->nullable();
+            $table->timestamps();
+            $table->softDeletes();
+
+            $table->index(['organization_id', 'branch_id', 'is_active']);
+        });
+
+        Schema::create('care_workflow_stages', function (Blueprint $table) {
+            $table->id();
+            $table->uuid('uuid')->unique();
+            $table->string('owner_ref')->index();
+            $table->foreignId('workflow_id')->constrained('care_facility_workflows')->cascadeOnDelete();
+            $table->string('code');
+            $table->string('name');
+            $table->string('type')->default('custom');
+            $table->string('queue_context')->nullable();
+            $table->string('department_type')->nullable();
+            $table->unsignedInteger('sort_order')->default(0);
+
+            // Financial gate configuration
+            $table->boolean('requires_payment')->default(false);
+            $table->string('payment_timing')->default('none'); // before, after, none
+            $table->json('payment_modes')->nullable();          // internal_cashier, external_bank, digital
+            $table->boolean('insurance_eligible')->default(false);
+            $table->boolean('credit_allowed')->default(false);
+            $table->boolean('allow_override')->default(true);
+            $table->string('charge_code')->nullable();
+            $table->string('charge_label')->nullable();
+            $table->unsignedInteger('default_amount_minor')->nullable();
+
+            // Flow configuration
+            $table->string('default_next')->nullable();
+            $table->boolean('can_return')->default(false);
+            $table->boolean('can_skip')->default(false);
+            $table->boolean('optional')->default(false);
+            $table->boolean('creates_child')->default(false);
+
+            $table->json('meta')->nullable();
+            $table->timestamps();
+
+            $table->unique(['workflow_id', 'code']);
+            $table->index(['workflow_id', 'sort_order']);
+        });
+
+        Schema::create('care_visit_stage_advances', function (Blueprint $table) {
+            $table->id();
+            $table->string('owner_ref')->index();
+            $table->foreignId('visit_id')->constrained('care_visits')->cascadeOnDelete();
+            $table->foreignId('workflow_id')->nullable()->constrained('care_facility_workflows')->nullOnDelete();
+            $table->foreignId('workflow_stage_id')->nullable()->constrained('care_workflow_stages')->nullOnDelete();
+            $table->string('stage_code')->nullable();
+            $table->string('status')->default('active'); // active, blocked, completed, skipped
+            $table->string('blocked_reason')->nullable(); // awaiting_payment, awaiting_bank_receipt, awaiting_authorization
+            $table->timestamp('entered_at')->nullable();
+            $table->timestamp('cleared_at')->nullable();
+            $table->timestamp('completed_at')->nullable();
+            $table->json('meta')->nullable();
+            $table->timestamps();
+
+            $table->index(['visit_id', 'status']);
+            $table->index(['visit_id', 'stage_code']);
+        });
+
+        Schema::create('care_financial_obligations', function (Blueprint $table) {
+            $table->id();
+            $table->uuid('uuid')->unique();
+            $table->string('owner_ref')->index();
+            $table->foreignId('organization_id')->constrained('care_organizations')->cascadeOnDelete();
+            $table->foreignId('branch_id')->nullable()->constrained('care_branches')->nullOnDelete();
+            $table->foreignId('visit_id')->nullable()->constrained('care_visits')->nullOnDelete();
+            $table->foreignId('patient_id')->nullable()->constrained('care_patients')->nullOnDelete();
+            $table->foreignId('workflow_stage_id')->nullable()->constrained('care_workflow_stages')->nullOnDelete();
+            $table->foreignId('bill_id')->nullable()->constrained('care_bills')->nullOnDelete();
+            $table->string('stage_code')->nullable();
+            $table->string('charge_code')->nullable();
+            $table->string('label')->nullable();
+            $table->unsignedInteger('amount_minor')->default(0);
+            $table->string('status')->default('pending'); // pending, authorized, paid, waived, deferred, void
+            $table->string('clearance_method')->nullable(); // payment, insurance, waiver, credit, bank_receipt, override
+            $table->string('payment_mode')->nullable();     // internal_cashier, external_bank, digital
+            $table->string('external_reference')->nullable(); // bank slip / receipt no
+            $table->string('cleared_by')->nullable();
+            $table->timestamp('cleared_at')->nullable();
+            $table->json('meta')->nullable();
+            $table->timestamps();
+            $table->softDeletes();
+
+            $table->index(['visit_id', 'status']);
+            $table->index(['organization_id', 'status']);
+            $table->index(['stage_code', 'status']);
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('care_financial_obligations');
+        Schema::dropIfExists('care_visit_stage_advances');
+        Schema::dropIfExists('care_workflow_stages');
+        Schema::dropIfExists('care_facility_workflows');
+    }
+};