fix(audit): wire reminder defaults into createInterest; doc branding gap (R2-H15/H16)

R2-H16: /admin/reminders persisted defaultEnabled + defaultDays to
system_settings but createInterest ignored them — every new interest
defaulted to reminderEnabled=false regardless. The validator now
treats reminderEnabled / reminderDays as optional (no default false),
and createInterest falls back to getPortReminderConfig(portId) when
the caller omits them. Explicit false / null still opts out.

R2-H15: branding admin (/admin/branding) saves 5 settings that no
code reads — the email templates and BrandedAuthShell hardcode Port
Nimara branding. Wiring it end-to-end is a multi-template refactor;
documented the gap inline above getPortBrandingConfig with a
step-by-step wire-up plan so future devs don't think it's done.

The reminder-digest scheduler (digestEnabled/digestTime/digestTimezone)
remains unimplemented — needs a new BullMQ recurring job that batches
pending reminders into per-user/per-port digest emails. Out of scope
for this audit pass.

1175/1175 vitest passing.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

src/lib/services/interests.service.ts

@@ -9,6 +9,7 @@ import { yachts } from '@/lib/db/schema/yachts';
 import { companyMemberships } from '@/lib/db/schema/companies';
 import { tags } from '@/lib/db/schema/system';
 import { createAuditLog, type AuditMeta } from '@/lib/audit';
+import { getPortReminderConfig } from '@/lib/services/port-config';
 import { NotFoundError, ConflictError, ValidationError } from '@/lib/errors';
 import { emitToRoom } from '@/lib/socket/server';
 import { setEntityTags } from '@/lib/services/entity-tags.helper';
@@ -438,12 +439,21 @@ export async function createInterest(portId: string, data: CreateInterestInput,
     data.yachtId,
   );
 
+  // Per-port reminder defaults — applied only when the caller omitted
+  // reminderEnabled / reminderDays. Honors the /admin/reminders page.
+  const reminderConfig = await getPortReminderConfig(portId);
+  const resolvedReminderEnabled = interestData.reminderEnabled ?? reminderConfig.defaultEnabled;
+  const resolvedReminderDays =
+    interestData.reminderDays ?? (resolvedReminderEnabled ? reminderConfig.defaultDays : null);
+
   const result = await withTransaction(async (tx) => {
     const [interest] = await tx
       .insert(interests)
       .values({
         portId,
         ...interestData,
+        reminderEnabled: resolvedReminderEnabled,
+        reminderDays: resolvedReminderDays,
         leadCategory: resolvedLeadCategory,
       })
       .returning();