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/renewals/renewal-email.spec.ts

@@ -0,0 +1,64 @@
+import type { RenewalLetterRow } from "../reports/renewal-letter";
+import { renderRenewalEmail } from "./renewal-email";
+
+function letter(overrides: Partial<RenewalLetterRow> = {}): RenewalLetterRow {
+  return {
+    __kind: "letter",
+    policyId: "policy-1",
+    policyNumber: "POL-123",
+    policyType: "AUTO",
+    customerName: "Ana Pérez",
+    customerEmail: "ana@example.com",
+    customerPhone: "664-111-2222",
+    customerMobile: null,
+    customerAddress: ["Calle Uno 123", "Tijuana, BC, 22000"],
+    provider: "Aseguradora Uno",
+    policyTo: "2026-09-01",
+    netPremium: "1200.00",
+    policyFee: null,
+    total: "1392.00",
+    currency: "MXN",
+    coverageDays: null,
+    cslLimit: null,
+    medicalCoverage: null,
+    propertyDamage: null,
+    perPersonLiability: null,
+    additionalService: null,
+    vehicle: null,
+    generation: 1,
+    sentAt: null,
+    ...overrides,
+  };
+}
+
+describe("renderRenewalEmail", () => {
+  it("includes policy, premium, expiration, type, and customer information", () => {
+    const result = renderRenewalEmail(letter());
+
+    expect(result.subject).toContain("POL-123");
+    expect(result.html).toContain("primer aviso");
+    expect(result.html).toContain("AUTO");
+    expect(result.html).toContain("01/09/2026");
+    expect(result.html).toContain("1,392.00");
+    expect(result.html).toContain("Ana Pérez");
+    expect(result.html).toContain("ana@example.com");
+    expect(result.html).toContain("664-111-2222");
+    expect(result.html).toContain("Calle Uno 123");
+  });
+
+  it("uses overdue wording for generation three", () => {
+    const result = renderRenewalEmail(letter({ generation: 3 }));
+
+    expect(result.subject).toContain("Póliza vencida");
+    expect(result.html).toContain("está vencida");
+  });
+
+  it("escapes customer-provided HTML", () => {
+    const result = renderRenewalEmail(
+      letter({ customerName: '<img src=x onerror="alert(1)">' }),
+    );
+
+    expect(result.html).not.toContain("<img");
+    expect(result.html).toContain("&lt;img");
+  });
+});