Overhaul setup wizard: 12 steps, 30+ business improvements, zero schema mismatches

Expanded from 10 shallow steps to 12 deep steps covering ALL organization data:
- Academy profile: phone, email, address, type, website, WhatsApp
- Branches: working days (inline toggles), email, city, manager name
- Programs: age range (age_min/age_max columns), sessions_per_week, registration fee (separate BasePrice), payment frequency
- Facilities: branch selection per facility, visual grid preview
- Groups: structured schedule (day + start/end time repeater), segment selection
- Participants: classification (on Person), skill_level (on Participant), national_id, medical_notes, collapsible extras
- Staff: phone, specialization (creates linked Person for trainers)
- NEW Step 9: Financial (tax, invoice/receipt prefix, payment methods, wallet, discounts, family discount, trial period)
- NEW Step 10: Policies (attendance grace periods, auto-absent, suspension threshold, medical/guardian requirements, waitlist, freeze days, email/SMS toggles)
- Step 11: General settings (currency, timezone, week start, date/time format, pagination)
- Step 12: Summary dashboard with stats cards

Schema alignment verified: Branch uses operating_hours (not metadata), Person owns classification/medical_notes, Participant owns skill_level, TrainingProgram uses age_min/age_max/sessions_per_week columns directly, all SettingsService keys match SystemSettings schema exactly.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>