Add freemium plans, wallet-billed host notifications, and Pro upgrades.

Host alerts use email/phone on the host record without requiring a Ladill
account link; SMS and over-quota emails debit the org wallet at platform rates.

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

app/Services/Frontdesk/NotificationPricingService.php

@@ -0,0 +1,26 @@
+<?php
+
+namespace App\Services\Frontdesk;
+
+class NotificationPricingService
+{
+    public function emailCostMinor(): int
+    {
+        return (int) round((float) config('frontdesk.billing.email_cost_ghs', 0.0135) * 100);
+    }
+
+    public function smsCostMinor(string $message): int
+    {
+        $segmentLength = max(1, (int) config('frontdesk.billing.sms_segment_length', 160));
+        $segments = max(1, (int) ceil(mb_strlen($message) / $segmentLength));
+
+        return (int) round($segments * (float) config('frontdesk.billing.sms_cost_per_segment_ghs', 0.05) * 100);
+    }
+
+    public function formatMinor(int $minor): string
+    {
+        $currency = (string) config('billing.currency', 'GHS');
+
+        return $currency.' '.number_format($minor / 100, 2);
+    }
+}