feat(renovaciones): renewal notification emails over SES

INSURANCE_FEATURES_SPEC §1. The office printed and mailed renewal letters
from the legacy CONTROL <ramo> RENEW[2/3] paper log; 91% of policyholders
have an email on file, so send the notice instead and keep the paper log
as the fallback.

A daily cron (06:00 America/Tijuana) sweeps three generations off
policyTo — 30 and 15 days before expiry, 7 days after — sends each
through SES, and upserts RenewalNotice by [policyId, generation] so a
policy is never notified twice for the same milestone. RenewalNotice now
records providerMessageId, so a later bounce or complaint webhook can be
traced back to the row that sent it.

- customers.emailOptOut excludes a customer from every sweep; editable
  from the customer form
- scheduled_job_states holds the sweep's lock and last successful run;
  the window is widened to cover days the job did not run, so a weekend
  outage does not silently drop a generation
- SES unconfigured is not an error outside production — messages are
  logged and skipped, so dev and CI never send
- /renovaciones (renewal:send, MANAGER+) lists what is pending per
  generation, runs the sweep by hand, and marks a notice sent by mail
  for the customers with no email
- POST /policies/:id/renewal-notices records that manual mark
- the aviso-renovacion report and the emails now share one projection
  (reports/renewal-letter.ts) instead of two copies of the mapping

apps/api/src/policies/policies.controller.ts

@@ -27,6 +27,7 @@ import {
   type PolicyStatus,
 } from "./policies.service";
 import { CreatePolicyDto, UpdatePolicyDto } from "./policy.dto";
+import { MarkRenewalNoticeDto } from "./renewal-notice.dto";
 import {
   BeneficiaryDto,
   ClaimDto,
@@ -145,6 +146,26 @@ export class PoliciesController {
     return p;
   }
 
+  @Post(":id/renewal-notices")
+  @RequireAbility("renewal:send")
+  async markRenewalNotice(
+    @Param("id") id: string,
+    @Body() dto: MarkRenewalNoticeDto,
+    @Req() req: Request,
+  ) {
+    const notice = await this.policies.markRenewalNotice(
+      id,
+      dto,
+      this.actingId(req),
+    );
+    void this.audit.log(this.actingId(req), "renewalNotice.markSent", {
+      policyId: id,
+      generation: dto.generation,
+      channel: dto.channel,
+    });
+    return notice;
+  }
+
   // --- children (all editing a policy => policy:update) ---------------------
 
   @Post(":id/installments")

apps/api/src/policies/policies.service.ts

@@ -6,6 +6,7 @@ import { StorageService } from "../storage/storage.service";
 import { extForUpload, type UploadedFileLike } from "../storage/upload-file";
 import { toDate } from "../common/coerce";
 import { CreatePolicyDto, UpdatePolicyDto } from "./policy.dto";
+import { MarkRenewalNoticeDto } from "./renewal-notice.dto";
 import {
   BeneficiaryDto,
   ClaimDto,
@@ -358,6 +359,34 @@ export class PoliciesService {
     return this.prisma.policy.update({ where: { id }, data: { archivedAt: null } });
   }
 
+  async markRenewalNotice(
+    policyId: string,
+    dto: MarkRenewalNoticeDto,
+    sentById: string,
+  ) {
+    await this.ensurePolicy(policyId);
+    const sentAt = toDate(dto.sentAt) ?? new Date();
+    return this.prisma.renewalNotice.upsert({
+      where: {
+        policyId_generation: { policyId, generation: dto.generation },
+      },
+      create: {
+        policyId,
+        generation: dto.generation,
+        channel: dto.channel,
+        sentAt,
+        sentById,
+        notes: dto.notes,
+      },
+      update: {
+        channel: dto.channel,
+        sentAt,
+        sentById,
+        notes: dto.notes,
+      },
+    });
+  }
+
   private async ensurePolicy(id: string) {
     const found = await this.prisma.policy.findUnique({
       where: { id },

apps/api/src/policies/renewal-notice.dto.ts

@@ -0,0 +1,28 @@
+import { RenewalNoticeChannel } from "@jorgecuadros/database";
+import {
+  IsDateString,
+  IsEnum,
+  IsInt,
+  IsOptional,
+  IsString,
+  Max,
+  Min,
+} from "class-validator";
+
+export class MarkRenewalNoticeDto {
+  @IsInt()
+  @Min(1)
+  @Max(3)
+  generation!: number;
+
+  @IsEnum(RenewalNoticeChannel)
+  channel!: RenewalNoticeChannel;
+
+  @IsOptional()
+  @IsDateString()
+  sentAt?: string;
+
+  @IsOptional()
+  @IsString()
+  notes?: string;
+}