Aggiunge pagamento con bonifico e importo concordato per società.

Il piano si attiva solo dopo la conferma admin; Stripe resta a listino se non c'è un prezzo commerciale.

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

backend/app/models/billing/club_quote.rb

@@ -0,0 +1,34 @@
+module Billing
+  class ClubQuote < ApplicationRecord
+    self.table_name = "billing_club_quotes"
+
+    PLAN_SLUGS = %w[premium_light premium_full].freeze
+    INTERVALS = Billing::Stripe::PriceCatalog::INTERVALS
+
+    belongs_to :club
+    belongs_to :created_by_admin, class_name: "AdminAccount", optional: true
+
+    validates :plan_slug, inclusion: { in: PLAN_SLUGS }
+    validates :billing_interval, inclusion: { in: INTERVALS }
+    validates :amount_cents, numericality: { greater_than: 0 }
+    validates :currency, presence: true
+
+    scope :active, -> { where(active: true) }
+
+    def matches?(plan_slug, interval)
+      self.plan_slug == plan_slug.to_s && billing_interval == interval.to_s
+    end
+
+    def plan
+      Plan[plan_slug]
+    end
+
+    def formatted_amount
+      Billing::Stripe::PriceCatalog.format_eur(amount_cents)
+    end
+
+    def price_label
+      Billing::Stripe::PriceCatalog.format_interval_price(amount_cents, billing_interval)
+    end
+  end
+end