Add editable, previewable payment-due email template

The "Payment due" notice the daily billing scan sends was fixed wording
baked into PaymentDueMailer. Studio admins can now view, edit and preview
its subject and body under Studio Settings -> Payment Due Email.

- PaymentDueEmailTemplate stores subject/body/item-line as us_payment_due_email_*
  options, each falling back to the built-in default when blank, and renders
  via {token} substitution.
- PaymentDueMailer now builds a token map from the same consolidated
  items/credit/e-transfer/reference data and renders the stored template; the
  default template reproduces the previous wording exactly.
- PaymentEmailController serves the view/edit/save/reset admin page
  (manage_billing, nonce-checked) with a server-rendered sample preview.
- PaymentEmailPreviewEndpoint (POST us-scheduler/v1/payment-email/preview,
  manage_billing) + payment-email-admin.js drive a live preview of unsaved edits.
- Submenu wired under Studio Settings; endpoint wired in RestRegistrar.
- Bump to 1.6.0 and add CHANGELOG entry. New options default gracefully, so
  existing sites need no migration and send the identical notice until edited.

Co-authored-by: anthropic/claude-opus-4-8

tests/Unit/Payment/PaymentEmailPreviewEndpointTest.php

@@ -0,0 +1,59 @@
+<?php
+declare(strict_types=1);
+
+namespace Unsupervised\Schedular\Tests\Unit\Payment;
+
+use Brain\Monkey\Functions;
+use Unsupervised\Schedular\Auth\RoleManager;
+use Unsupervised\Schedular\Payment\PaymentEmailPreviewEndpoint;
+use Unsupervised\Schedular\Tests\Unit\TestCase;
+
+class PaymentEmailPreviewEndpointTest extends TestCase
+{
+    protected function setUp(): void
+    {
+        parent::setUp();
+        Functions\when('get_option')->alias(static fn (string $name, $default = '') => '');
+    }
+
+    public function testPreviewRendersDraftAgainstSampleValues(): void
+    {
+        $endpoint = new PaymentEmailPreviewEndpoint();
+
+        $request = new \WP_REST_Request([
+            'subject'   => 'Draft {total_due}',
+            'body'      => "Hi {student_name}\n{items}",
+            'item_line' => '- {label} {amount}',
+        ]);
+
+        $response = $endpoint->preview($request);
+
+        self::assertInstanceOf(\WP_REST_Response::class, $response);
+        $data = $response->get_data();
+        self::assertSame('Draft CAD 55.00', $data['subject']);
+        self::assertStringContainsString('Piano lesson', $data['body']);
+        self::assertStringContainsString('- Piano lesson 35.00', $data['body']);
+    }
+
+    public function testCanManageRequiresBillingCapability(): void
+    {
+        $endpoint = new PaymentEmailPreviewEndpoint();
+
+        Functions\when('is_user_logged_in')->justReturn(true);
+        Functions\when('current_user_can')->alias(
+            static fn (string $cap): bool => $cap === RoleManager::CAP_MANAGE_BILLING
+        );
+
+        self::assertTrue($endpoint->canManage());
+    }
+
+    public function testCanManageDeniesWithoutCapability(): void
+    {
+        $endpoint = new PaymentEmailPreviewEndpoint();
+
+        Functions\when('is_user_logged_in')->justReturn(true);
+        Functions\when('current_user_can')->justReturn(false);
+
+        self::assertFalse($endpoint->canManage());
+    }
+}