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/club.rb

@@ -7,8 +7,11 @@ class Club < ApplicationRecord
   has_many :teams, dependent: :destroy
   has_one :youtube_credential, dependent: :destroy
   has_one :subscription, dependent: :destroy
+  has_one :billing_quote, -> { where(active: true) }, class_name: "Billing::ClubQuote", inverse_of: :club
+  has_many :billing_quotes, class_name: "Billing::ClubQuote", dependent: :destroy, inverse_of: :club
   has_many :billing_payments, class_name: "Billing::Payment", dependent: :destroy
   has_many :billing_invoices, class_name: "Billing::Invoice", dependent: :destroy
+  has_many :billing_transfer_orders, class_name: "Billing::TransferOrder", dependent: :destroy
 
   validates :name, presence: true
   validates :sport, presence: true
@@ -23,6 +26,14 @@ class Club < ApplicationRecord
     club_memberships.exists?(user: user, role: "owner")
   end
 
+  def active_billing_quote
+    billing_quote
+  end
+
+  def pending_transfer_order
+    billing_transfer_orders.awaiting_payment.first
+  end
+
   private
 
   def branding_parent