Initial production deployment setup

- Production docker-compose with nginx support
- Nginx configuration for portal.monacousa.org
- Deployment script with backup/restore
- Gitea CI/CD workflow
- Fix CountryFlag reactivity for dropdown flags

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

supabase/docker/kong.yml

@@ -0,0 +1,196 @@
+_format_version: "2.1"
+_transform: true
+
+###
+### Consumers / Users
+###
+consumers:
+  - username: ANON
+    keyauth_credentials:
+      - key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJzdXBhYmFzZS1kZW1vIiwicm9sZSI6ImFub24iLCJleHAiOjE5ODM4MTI5OTZ9.b_lMH2mc5km7S9Lw_sRGGqE9IeiahYu-caevDcacKiY
+  - username: SERVICE_ROLE
+    keyauth_credentials:
+      - key: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJzdXBhYmFzZS1kZW1vIiwicm9sZSI6InNlcnZpY2Vfcm9sZSIsImV4cCI6MTk4MzgxMjk5Nn0.kcyKZAiwnnBG9t6IVGO17bcVw574pVynTHYVdF4q-p0
+
+###
+### Access Control Lists
+###
+acls:
+  - consumer: ANON
+    group: anon
+  - consumer: SERVICE_ROLE
+    group: admin
+
+###
+### API Routes
+###
+services:
+  ## Redirect /auth/verify to SvelteKit app for email links
+  - name: auth-verify-redirect
+    url: http://portal:3000/auth/verify
+    routes:
+      - name: auth-verify-redirect
+        strip_path: false
+        paths:
+          - /auth/verify
+        preserve_host: false
+    plugins:
+      - name: cors
+
+  ## Auth Service (GoTrue)
+  - name: auth-v1-open
+    url: http://auth:9999/verify
+    routes:
+      - name: auth-v1-open
+        strip_path: true
+        paths:
+          - /auth/v1/verify
+    plugins:
+      - name: cors
+
+  - name: auth-v1-open-callback
+    url: http://auth:9999/callback
+    routes:
+      - name: auth-v1-open-callback
+        strip_path: true
+        paths:
+          - /auth/v1/callback
+    plugins:
+      - name: cors
+
+  - name: auth-v1-open-authorize
+    url: http://auth:9999/authorize
+    routes:
+      - name: auth-v1-open-authorize
+        strip_path: true
+        paths:
+          - /auth/v1/authorize
+    plugins:
+      - name: cors
+
+  - name: auth-v1
+    url: http://auth:9999/
+    routes:
+      - name: auth-v1
+        strip_path: true
+        paths:
+          - /auth/v1/
+    plugins:
+      - name: cors
+      - name: key-auth
+        config:
+          hide_credentials: false
+      - name: acl
+        config:
+          hide_groups_header: true
+          allow:
+            - admin
+            - anon
+
+  ## REST Service (PostgREST)
+  - name: rest-v1
+    url: http://rest:3000/
+    routes:
+      - name: rest-v1
+        strip_path: true
+        paths:
+          - /rest/v1/
+    plugins:
+      - name: cors
+      - name: key-auth
+        config:
+          hide_credentials: false
+      - name: acl
+        config:
+          hide_groups_header: true
+          allow:
+            - admin
+            - anon
+
+  ## Realtime Service
+  - name: realtime-v1-ws
+    url: http://realtime:4000/socket
+    routes:
+      - name: realtime-v1-ws
+        strip_path: true
+        paths:
+          - /realtime/v1/websocket
+    plugins:
+      - name: cors
+      - name: key-auth
+        config:
+          hide_credentials: false
+      - name: acl
+        config:
+          hide_groups_header: true
+          allow:
+            - admin
+            - anon
+
+  - name: realtime-v1
+    url: http://realtime:4000/
+    routes:
+      - name: realtime-v1
+        strip_path: true
+        paths:
+          - /realtime/v1/
+    plugins:
+      - name: cors
+      - name: key-auth
+        config:
+          hide_credentials: false
+      - name: acl
+        config:
+          hide_groups_header: true
+          allow:
+            - admin
+            - anon
+
+  ## Storage Service - Public objects (no auth required)
+  - name: storage-v1-public
+    url: http://storage:5000/object/public
+    routes:
+      - name: storage-v1-public
+        strip_path: true
+        paths:
+          - /storage/v1/object/public
+    plugins:
+      - name: cors
+
+  ## Storage Service - All other operations (auth required)
+  - name: storage-v1
+    url: http://storage:5000/
+    routes:
+      - name: storage-v1
+        strip_path: true
+        paths:
+          - /storage/v1/
+    plugins:
+      - name: cors
+      - name: key-auth
+        config:
+          hide_credentials: false
+      - name: acl
+        config:
+          hide_groups_header: true
+          allow:
+            - admin
+            - anon
+
+  ## PostgreSQL Meta (for Studio)
+  - name: meta
+    url: http://meta:8080/
+    routes:
+      - name: meta
+        strip_path: true
+        paths:
+          - /pg/
+    plugins:
+      - name: key-auth
+        config:
+          hide_credentials: false
+      - name: acl
+        config:
+          hide_groups_header: true
+          allow:
+            - admin

supabase/fix_rls_now.sql

@@ -0,0 +1,146 @@
+-- ============================================
+-- IMMEDIATE FIX FOR RLS ISSUES
+-- Run this SQL directly in Supabase Studio SQL Editor
+-- ============================================
+
+-- =====================
+-- STEP 1: FIX STORAGE.OBJECTS POLICIES
+-- =====================
+
+-- Drop any existing service_role policies with various names
+DROP POLICY IF EXISTS "Service role can insert avatars" ON storage.objects;
+DROP POLICY IF EXISTS "Service role can update avatars" ON storage.objects;
+DROP POLICY IF EXISTS "Service role can delete avatars" ON storage.objects;
+DROP POLICY IF EXISTS "Service role can read avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_insert_avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_update_avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_delete_avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_select_avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_all_select" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_all_insert" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_all_update" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_all_delete" ON storage.objects;
+
+-- Create universal service_role policies for ALL storage operations
+CREATE POLICY "service_role_all_select" ON storage.objects
+FOR SELECT TO service_role
+USING (true);
+
+CREATE POLICY "service_role_all_insert" ON storage.objects
+FOR INSERT TO service_role
+WITH CHECK (true);
+
+CREATE POLICY "service_role_all_update" ON storage.objects
+FOR UPDATE TO service_role
+USING (true);
+
+CREATE POLICY "service_role_all_delete" ON storage.objects
+FOR DELETE TO service_role
+USING (true);
+
+-- Grant permissions
+GRANT ALL ON storage.objects TO service_role;
+GRANT ALL ON storage.buckets TO service_role;
+GRANT USAGE ON SCHEMA storage TO service_role;
+
+-- =====================
+-- STEP 2: FIX PUBLIC.MEMBERS POLICIES
+-- =====================
+
+-- Drop any existing service_role policies on members
+DROP POLICY IF EXISTS "service_role_all_members" ON public.members;
+DROP POLICY IF EXISTS "service_role_select_members" ON public.members;
+DROP POLICY IF EXISTS "service_role_insert_members" ON public.members;
+DROP POLICY IF EXISTS "service_role_update_members" ON public.members;
+DROP POLICY IF EXISTS "service_role_delete_members" ON public.members;
+
+-- Create universal service_role policy for members table
+CREATE POLICY "service_role_all_members" ON public.members
+FOR ALL TO service_role
+USING (true)
+WITH CHECK (true);
+
+-- Grant permissions
+GRANT ALL ON public.members TO service_role;
+
+-- =====================
+-- STEP 3: ENSURE STORAGE BUCKETS EXIST
+-- =====================
+
+-- Avatars bucket (public)
+INSERT INTO storage.buckets (id, name, public, file_size_limit, allowed_mime_types)
+VALUES (
+  'avatars',
+  'avatars',
+  true,
+  5242880,
+  ARRAY['image/jpeg', 'image/png', 'image/webp', 'image/gif']
+)
+ON CONFLICT (id) DO UPDATE SET
+  public = true,
+  file_size_limit = EXCLUDED.file_size_limit,
+  allowed_mime_types = EXCLUDED.allowed_mime_types;
+
+-- Documents bucket (public for direct URL access - visibility controlled at app level)
+INSERT INTO storage.buckets (id, name, public, file_size_limit, allowed_mime_types)
+VALUES (
+  'documents',
+  'documents',
+  true,
+  52428800,
+  ARRAY['application/pdf', 'application/msword', 'application/vnd.openxmlformats-officedocument.wordprocessingml.document', 'application/vnd.ms-excel', 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet', 'application/vnd.ms-powerpoint', 'application/vnd.openxmlformats-officedocument.presentationml.presentation', 'text/plain', 'text/csv', 'application/json', 'image/jpeg', 'image/png', 'image/webp', 'image/gif']
+)
+ON CONFLICT (id) DO UPDATE SET
+  public = true,
+  file_size_limit = EXCLUDED.file_size_limit,
+  allowed_mime_types = EXCLUDED.allowed_mime_types;
+
+-- =====================
+-- STEP 4: TRY TO GRANT BYPASSRLS (may fail, that's OK)
+-- =====================
+
+DO $$
+BEGIN
+  ALTER ROLE service_role BYPASSRLS;
+  RAISE NOTICE 'SUCCESS: Granted BYPASSRLS to service_role';
+EXCEPTION
+  WHEN insufficient_privilege THEN
+    RAISE NOTICE 'INFO: Could not grant BYPASSRLS (using explicit policies instead)';
+  WHEN OTHERS THEN
+    RAISE NOTICE 'INFO: BYPASSRLS not needed or already set';
+END $$;
+
+-- =====================
+-- STEP 5: VERIFY SETUP
+-- =====================
+
+-- Check service_role policies on storage.objects
+SELECT
+  policyname,
+  permissive,
+  roles,
+  cmd,
+  qual,
+  with_check
+FROM pg_policies
+WHERE schemaname = 'storage'
+  AND tablename = 'objects'
+  AND 'service_role' = ANY(roles);
+
+-- Check service_role policies on public.members
+SELECT
+  policyname,
+  permissive,
+  roles,
+  cmd,
+  qual,
+  with_check
+FROM pg_policies
+WHERE schemaname = 'public'
+  AND tablename = 'members'
+  AND 'service_role' = ANY(roles);
+
+-- Check if service_role has BYPASSRLS
+SELECT rolname, rolbypassrls
+FROM pg_roles
+WHERE rolname = 'service_role';

supabase/migrations/001_initial_schema.sql

@@ -0,0 +1,786 @@
+-- Monaco USA Portal 2026 - Initial Database Schema
+-- Run this migration to set up all tables, views, triggers, and RLS policies
+
+-- ============================================
+-- MEMBERSHIP STATUSES (Admin-configurable)
+-- ============================================
+CREATE TABLE public.membership_statuses (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  name TEXT NOT NULL UNIQUE,
+  display_name TEXT NOT NULL,
+  color TEXT NOT NULL DEFAULT '#6b7280',
+  description TEXT,
+  is_default BOOLEAN DEFAULT FALSE,
+  sort_order INTEGER DEFAULT 0,
+  created_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+-- Default statuses
+INSERT INTO public.membership_statuses (name, display_name, color, description, is_default, sort_order) VALUES
+  ('pending', 'Pending', '#eab308', 'New member, awaiting dues payment', true, 1),
+  ('active', 'Active', '#22c55e', 'Dues paid, full access', false, 2),
+  ('inactive', 'Inactive', '#6b7280', 'Lapsed membership or suspended', false, 3),
+  ('expired', 'Expired', '#ef4444', 'Membership terminated', false, 4);
+
+-- ============================================
+-- MEMBERSHIP TYPES (Admin-configurable pricing)
+-- ============================================
+CREATE TABLE public.membership_types (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  name TEXT NOT NULL UNIQUE,
+  display_name TEXT NOT NULL,
+  annual_dues DECIMAL(10,2) NOT NULL,
+  description TEXT,
+  is_default BOOLEAN DEFAULT FALSE,
+  is_active BOOLEAN DEFAULT TRUE,
+  sort_order INTEGER DEFAULT 0,
+  created_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+-- Default membership types
+INSERT INTO public.membership_types (name, display_name, annual_dues, description, is_default, sort_order) VALUES
+  ('regular', 'Regular Member', 50.00, 'Standard individual membership', true, 1),
+  ('student', 'Student', 25.00, 'For students with valid ID', false, 2),
+  ('senior', 'Senior (65+)', 35.00, 'For members 65 years and older', false, 3),
+  ('family', 'Family', 75.00, 'Household membership', false, 4),
+  ('honorary', 'Honorary Member', 0.00, 'Granted by the board', false, 5);
+
+-- ============================================
+-- MEMBERS TABLE
+-- ============================================
+CREATE TABLE public.members (
+  id UUID PRIMARY KEY REFERENCES auth.users(id) ON DELETE CASCADE,
+  member_id TEXT UNIQUE NOT NULL,
+
+  -- Personal Info
+  first_name TEXT NOT NULL,
+  last_name TEXT NOT NULL,
+  email TEXT UNIQUE NOT NULL,
+  phone TEXT NOT NULL,
+  date_of_birth DATE NOT NULL,
+  address TEXT NOT NULL,
+  nationality TEXT[] NOT NULL DEFAULT '{}',
+
+  -- Membership
+  role TEXT NOT NULL DEFAULT 'member' CHECK (role IN ('member', 'board', 'admin')),
+  membership_status_id UUID REFERENCES public.membership_statuses(id),
+  membership_type_id UUID REFERENCES public.membership_types(id),
+  member_since DATE DEFAULT CURRENT_DATE,
+
+  -- Profile
+  avatar_url TEXT,
+
+  -- Admin
+  notes TEXT,
+
+  -- Timestamps
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+-- Auto-generate member_id trigger
+CREATE OR REPLACE FUNCTION generate_member_id()
+RETURNS TRIGGER AS $$
+DECLARE
+  next_num INTEGER;
+BEGIN
+  SELECT COALESCE(MAX(CAST(SUBSTRING(member_id FROM 6) AS INTEGER)), 0) + 1
+  INTO next_num
+  FROM public.members;
+
+  NEW.member_id := 'MUSA-' || LPAD(next_num::TEXT, 4, '0');
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+CREATE TRIGGER set_member_id
+  BEFORE INSERT ON public.members
+  FOR EACH ROW
+  WHEN (NEW.member_id IS NULL)
+  EXECUTE FUNCTION generate_member_id();
+
+-- Update timestamp trigger
+CREATE OR REPLACE FUNCTION update_updated_at()
+RETURNS TRIGGER AS $$
+BEGIN
+  NEW.updated_at = NOW();
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+CREATE TRIGGER members_updated_at
+  BEFORE UPDATE ON public.members
+  FOR EACH ROW
+  EXECUTE FUNCTION update_updated_at();
+
+-- ============================================
+-- DUES PAYMENTS
+-- ============================================
+CREATE TABLE public.dues_payments (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  member_id UUID NOT NULL REFERENCES public.members(id) ON DELETE CASCADE,
+
+  amount DECIMAL(10,2) NOT NULL,
+  currency TEXT DEFAULT 'EUR',
+  payment_date DATE NOT NULL,
+  due_date DATE NOT NULL,
+  payment_method TEXT DEFAULT 'bank_transfer',
+  reference TEXT,
+  notes TEXT,
+
+  recorded_by UUID NOT NULL REFERENCES public.members(id),
+  created_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+-- Auto-calculate due_date (1 year from payment)
+CREATE OR REPLACE FUNCTION calculate_due_date()
+RETURNS TRIGGER AS $$
+BEGIN
+  IF NEW.due_date IS NULL THEN
+    NEW.due_date := NEW.payment_date + INTERVAL '1 year';
+  END IF;
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+CREATE TRIGGER set_due_date
+  BEFORE INSERT ON public.dues_payments
+  FOR EACH ROW
+  EXECUTE FUNCTION calculate_due_date();
+
+-- Auto-update member status to active after payment
+CREATE OR REPLACE FUNCTION update_member_status_on_payment()
+RETURNS TRIGGER AS $$
+DECLARE
+  active_status_id UUID;
+BEGIN
+  SELECT id INTO active_status_id
+  FROM public.membership_statuses
+  WHERE name = 'active';
+
+  UPDATE public.members
+  SET membership_status_id = active_status_id,
+      updated_at = NOW()
+  WHERE id = NEW.member_id;
+
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+CREATE TRIGGER activate_member_on_payment
+  AFTER INSERT ON public.dues_payments
+  FOR EACH ROW
+  EXECUTE FUNCTION update_member_status_on_payment();
+
+-- ============================================
+-- EVENT TYPES (Admin-configurable)
+-- ============================================
+CREATE TABLE public.event_types (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  name TEXT NOT NULL UNIQUE,
+  display_name TEXT NOT NULL,
+  color TEXT NOT NULL DEFAULT '#3b82f6',
+  icon TEXT,
+  description TEXT,
+  is_active BOOLEAN DEFAULT TRUE,
+  sort_order INTEGER DEFAULT 0,
+  created_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+-- Default event types
+INSERT INTO public.event_types (name, display_name, color, icon, sort_order) VALUES
+  ('social', 'Social Event', '#10b981', 'party-popper', 1),
+  ('meeting', 'Meeting', '#6366f1', 'users', 2),
+  ('fundraiser', 'Fundraiser', '#f59e0b', 'heart-handshake', 3),
+  ('workshop', 'Workshop', '#8b5cf6', 'graduation-cap', 4),
+  ('gala', 'Gala/Formal', '#ec4899', 'sparkles', 5),
+  ('other', 'Other', '#6b7280', 'calendar', 6);
+
+-- ============================================
+-- EVENTS
+-- ============================================
+CREATE TABLE public.events (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+
+  -- Basic Info
+  title TEXT NOT NULL,
+  description TEXT,
+  event_type_id UUID REFERENCES public.event_types(id),
+
+  -- Date/Time
+  start_datetime TIMESTAMPTZ NOT NULL,
+  end_datetime TIMESTAMPTZ NOT NULL,
+  all_day BOOLEAN DEFAULT FALSE,
+  timezone TEXT DEFAULT 'Europe/Monaco',
+
+  -- Location
+  location TEXT,
+  location_url TEXT,
+
+  -- Capacity
+  max_attendees INTEGER,
+  max_guests_per_member INTEGER DEFAULT 1,
+
+  -- Pricing
+  is_paid BOOLEAN DEFAULT FALSE,
+  member_price DECIMAL(10,2) DEFAULT 0,
+  non_member_price DECIMAL(10,2) DEFAULT 0,
+  pricing_notes TEXT,
+
+  -- Visibility
+  visibility TEXT NOT NULL DEFAULT 'members'
+    CHECK (visibility IN ('public', 'members', 'board', 'admin')),
+  status TEXT NOT NULL DEFAULT 'published'
+    CHECK (status IN ('draft', 'published', 'cancelled', 'completed')),
+
+  -- Media
+  cover_image_url TEXT,
+
+  -- Meta
+  created_by UUID NOT NULL REFERENCES public.members(id),
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+CREATE TRIGGER events_updated_at
+  BEFORE UPDATE ON public.events
+  FOR EACH ROW
+  EXECUTE FUNCTION update_updated_at();
+
+-- ============================================
+-- EVENT RSVPs (Members)
+-- ============================================
+CREATE TABLE public.event_rsvps (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  event_id UUID NOT NULL REFERENCES public.events(id) ON DELETE CASCADE,
+  member_id UUID NOT NULL REFERENCES public.members(id) ON DELETE CASCADE,
+
+  status TEXT NOT NULL DEFAULT 'confirmed'
+    CHECK (status IN ('confirmed', 'declined', 'maybe', 'waitlist', 'cancelled')),
+  guest_count INTEGER DEFAULT 0,
+  guest_names TEXT[],
+  notes TEXT,
+
+  -- Payment
+  payment_status TEXT DEFAULT 'not_required'
+    CHECK (payment_status IN ('not_required', 'pending', 'paid')),
+  payment_reference TEXT,
+  payment_amount DECIMAL(10,2),
+
+  -- Attendance
+  attended BOOLEAN DEFAULT FALSE,
+  checked_in_at TIMESTAMPTZ,
+  checked_in_by UUID REFERENCES public.members(id),
+
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_at TIMESTAMPTZ DEFAULT NOW(),
+
+  UNIQUE(event_id, member_id)
+);
+
+CREATE TRIGGER event_rsvps_updated_at
+  BEFORE UPDATE ON public.event_rsvps
+  FOR EACH ROW
+  EXECUTE FUNCTION update_updated_at();
+
+-- ============================================
+-- EVENT RSVPs (Public/Non-members)
+-- ============================================
+CREATE TABLE public.event_rsvps_public (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  event_id UUID NOT NULL REFERENCES public.events(id) ON DELETE CASCADE,
+
+  full_name TEXT NOT NULL,
+  email TEXT NOT NULL,
+  phone TEXT,
+
+  status TEXT NOT NULL DEFAULT 'confirmed'
+    CHECK (status IN ('confirmed', 'declined', 'maybe', 'waitlist', 'cancelled')),
+  guest_count INTEGER DEFAULT 0,
+  guest_names TEXT[],
+
+  -- Payment
+  payment_status TEXT DEFAULT 'not_required'
+    CHECK (payment_status IN ('not_required', 'pending', 'paid')),
+  payment_reference TEXT,
+  payment_amount DECIMAL(10,2),
+
+  -- Attendance
+  attended BOOLEAN DEFAULT FALSE,
+
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_at TIMESTAMPTZ DEFAULT NOW(),
+
+  UNIQUE(event_id, email)
+);
+
+CREATE TRIGGER event_rsvps_public_updated_at
+  BEFORE UPDATE ON public.event_rsvps_public
+  FOR EACH ROW
+  EXECUTE FUNCTION update_updated_at();
+
+-- ============================================
+-- DOCUMENT CATEGORIES
+-- ============================================
+CREATE TABLE public.document_categories (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  name TEXT NOT NULL UNIQUE,
+  display_name TEXT NOT NULL,
+  description TEXT,
+  icon TEXT,
+  sort_order INTEGER DEFAULT 0,
+  is_active BOOLEAN DEFAULT TRUE,
+  created_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+-- Default categories
+INSERT INTO public.document_categories (name, display_name, icon, sort_order) VALUES
+  ('meeting_minutes', 'Meeting Minutes', 'file-text', 1),
+  ('governance', 'Governance & Bylaws', 'scale', 2),
+  ('legal', 'Legal Documents', 'briefcase', 3),
+  ('financial', 'Financial Reports', 'dollar-sign', 4),
+  ('member_resources', 'Member Resources', 'book-open', 5),
+  ('forms', 'Forms & Templates', 'clipboard', 6),
+  ('other', 'Other Documents', 'file', 7);
+
+-- ============================================
+-- DOCUMENTS
+-- ============================================
+CREATE TABLE public.documents (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+
+  title TEXT NOT NULL,
+  description TEXT,
+  category_id UUID REFERENCES public.document_categories(id),
+
+  -- File Info
+  file_path TEXT NOT NULL,
+  file_name TEXT NOT NULL,
+  file_size INTEGER NOT NULL,
+  mime_type TEXT NOT NULL,
+
+  -- Visibility
+  visibility TEXT NOT NULL DEFAULT 'members'
+    CHECK (visibility IN ('public', 'members', 'board', 'admin')),
+  allowed_member_ids UUID[],
+
+  -- Version tracking
+  version INTEGER DEFAULT 1,
+  replaces_document_id UUID REFERENCES public.documents(id),
+
+  -- Meeting-specific fields
+  meeting_date DATE,
+  meeting_attendees UUID[],
+
+  -- Meta
+  uploaded_by UUID NOT NULL REFERENCES public.members(id),
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+CREATE TRIGGER documents_updated_at
+  BEFORE UPDATE ON public.documents
+  FOR EACH ROW
+  EXECUTE FUNCTION update_updated_at();
+
+-- ============================================
+-- APP SETTINGS (Unified key-value store)
+-- ============================================
+CREATE TABLE public.app_settings (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  category TEXT NOT NULL,
+  setting_key TEXT NOT NULL,
+  setting_value JSONB NOT NULL,
+  setting_type TEXT NOT NULL DEFAULT 'text'
+    CHECK (setting_type IN ('text', 'number', 'boolean', 'json', 'array')),
+  display_name TEXT NOT NULL,
+  description TEXT,
+  is_public BOOLEAN DEFAULT FALSE,
+  updated_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_by UUID REFERENCES public.members(id),
+
+  UNIQUE(category, setting_key)
+);
+
+-- Default settings
+INSERT INTO public.app_settings (category, setting_key, setting_value, setting_type, display_name, description, is_public) VALUES
+  -- Organization
+  ('organization', 'association_name', '"Monaco USA"', 'text', 'Association Name', 'Official name of the association', true),
+  ('organization', 'tagline', '"Americans in Monaco"', 'text', 'Tagline', 'Association tagline shown on login', true),
+  ('organization', 'contact_email', '"contact@monacousa.org"', 'text', 'Contact Email', 'Public contact email', true),
+  ('organization', 'primary_color', '"#dc2626"', 'text', 'Primary Color', 'Brand primary color (hex)', true),
+
+  -- Dues
+  ('dues', 'payment_iban', '"MC58 1756 9000 0104 0050 1001 860"', 'text', 'Payment IBAN', 'Bank IBAN for dues', false),
+  ('dues', 'payment_account_holder', '"ASSOCIATION MONACO USA"', 'text', 'Account Holder', 'Bank account holder name', false),
+  ('dues', 'payment_bank_name', '"Credit Foncier de Monaco"', 'text', 'Bank Name', 'Name of the bank', false),
+  ('dues', 'reminder_days_before', '[30, 7, 1]', 'array', 'Reminder Days', 'Days before due to send reminders', false),
+  ('dues', 'grace_period_days', '30', 'number', 'Grace Period', 'Days after due before auto-inactive', false),
+  ('dues', 'auto_inactive_enabled', 'true', 'boolean', 'Auto Inactive', 'Auto set inactive after grace period', false),
+
+  -- System
+  ('system', 'maintenance_mode', 'false', 'boolean', 'Maintenance Mode', 'Put portal in maintenance mode', false),
+  ('system', 'max_upload_size_mb', '50', 'number', 'Max Upload Size', 'Maximum file upload size in MB', false);
+
+-- ============================================
+-- EMAIL TEMPLATES
+-- ============================================
+CREATE TABLE public.email_templates (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  template_key TEXT UNIQUE NOT NULL,
+  template_name TEXT NOT NULL,
+  category TEXT NOT NULL,
+  subject TEXT NOT NULL,
+  body_html TEXT NOT NULL,
+  body_text TEXT,
+  is_active BOOLEAN DEFAULT TRUE,
+  is_system BOOLEAN DEFAULT FALSE,
+  variables_schema JSONB,
+  preview_data JSONB,
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_by UUID REFERENCES public.members(id)
+);
+
+CREATE TRIGGER email_templates_updated_at
+  BEFORE UPDATE ON public.email_templates
+  FOR EACH ROW
+  EXECUTE FUNCTION update_updated_at();
+
+-- ============================================
+-- EMAIL LOGS
+-- ============================================
+CREATE TABLE public.email_logs (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  recipient_id UUID REFERENCES public.members(id),
+  recipient_email TEXT NOT NULL,
+  recipient_name TEXT,
+  template_key TEXT,
+  subject TEXT NOT NULL,
+  email_type TEXT NOT NULL,
+  status TEXT NOT NULL DEFAULT 'queued'
+    CHECK (status IN ('queued', 'sent', 'delivered', 'opened', 'clicked', 'bounced', 'failed')),
+  provider TEXT,
+  provider_message_id TEXT,
+  opened_at TIMESTAMPTZ,
+  clicked_at TIMESTAMPTZ,
+  error_message TEXT,
+  retry_count INTEGER DEFAULT 0,
+  template_variables JSONB,
+  sent_by UUID REFERENCES public.members(id),
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  sent_at TIMESTAMPTZ,
+  delivered_at TIMESTAMPTZ
+);
+
+-- ============================================
+-- VIEWS
+-- ============================================
+
+-- Members with dues status
+CREATE VIEW public.members_with_dues AS
+SELECT
+  m.*,
+  ms.name as status_name,
+  ms.display_name as status_display_name,
+  ms.color as status_color,
+  mt.display_name as membership_type_name,
+  mt.annual_dues,
+  dp.last_payment_date,
+  dp.current_due_date,
+  CASE
+    WHEN dp.current_due_date IS NULL THEN 'never_paid'
+    WHEN dp.current_due_date < CURRENT_DATE THEN 'overdue'
+    WHEN dp.current_due_date < CURRENT_DATE + INTERVAL '30 days' THEN 'due_soon'
+    ELSE 'current'
+  END as dues_status,
+  CASE
+    WHEN dp.current_due_date < CURRENT_DATE
+    THEN (CURRENT_DATE - dp.current_due_date)::INTEGER
+    ELSE NULL
+  END as days_overdue,
+  CASE
+    WHEN dp.current_due_date >= CURRENT_DATE
+    THEN (dp.current_due_date - CURRENT_DATE)::INTEGER
+    ELSE NULL
+  END as days_until_due
+FROM public.members m
+LEFT JOIN public.membership_statuses ms ON m.membership_status_id = ms.id
+LEFT JOIN public.membership_types mt ON m.membership_type_id = mt.id
+LEFT JOIN LATERAL (
+  SELECT
+    payment_date as last_payment_date,
+    due_date as current_due_date
+  FROM public.dues_payments
+  WHERE member_id = m.id
+  ORDER BY due_date DESC
+  LIMIT 1
+) dp ON true;
+
+-- Events with attendee counts
+CREATE VIEW public.events_with_counts AS
+SELECT
+  e.*,
+  et.display_name as event_type_name,
+  et.color as event_type_color,
+  et.icon as event_type_icon,
+  COALESCE(member_rsvps.confirmed_count, 0) +
+    COALESCE(member_rsvps.guest_count, 0) +
+    COALESCE(public_rsvps.confirmed_count, 0) +
+    COALESCE(public_rsvps.guest_count, 0) as total_attendees,
+  COALESCE(member_rsvps.confirmed_count, 0) as member_count,
+  COALESCE(public_rsvps.confirmed_count, 0) as non_member_count,
+  COALESCE(member_rsvps.waitlist_count, 0) +
+    COALESCE(public_rsvps.waitlist_count, 0) as waitlist_count,
+  CASE
+    WHEN e.max_attendees IS NULL THEN FALSE
+    WHEN (COALESCE(member_rsvps.confirmed_count, 0) +
+          COALESCE(member_rsvps.guest_count, 0) +
+          COALESCE(public_rsvps.confirmed_count, 0) +
+          COALESCE(public_rsvps.guest_count, 0)) >= e.max_attendees THEN TRUE
+    ELSE FALSE
+  END as is_full
+FROM public.events e
+LEFT JOIN public.event_types et ON e.event_type_id = et.id
+LEFT JOIN LATERAL (
+  SELECT
+    COUNT(*) FILTER (WHERE status = 'confirmed') as confirmed_count,
+    COALESCE(SUM(guest_count) FILTER (WHERE status = 'confirmed'), 0) as guest_count,
+    COUNT(*) FILTER (WHERE status = 'waitlist') as waitlist_count
+  FROM public.event_rsvps
+  WHERE event_id = e.id
+) member_rsvps ON true
+LEFT JOIN LATERAL (
+  SELECT
+    COUNT(*) FILTER (WHERE status = 'confirmed') as confirmed_count,
+    COALESCE(SUM(guest_count) FILTER (WHERE status = 'confirmed'), 0) as guest_count,
+    COUNT(*) FILTER (WHERE status = 'waitlist') as waitlist_count
+  FROM public.event_rsvps_public
+  WHERE event_id = e.id
+) public_rsvps ON true;
+
+-- ============================================
+-- ROW LEVEL SECURITY
+-- ============================================
+
+-- Enable RLS on all tables
+ALTER TABLE public.members ENABLE ROW LEVEL SECURITY;
+ALTER TABLE public.dues_payments ENABLE ROW LEVEL SECURITY;
+ALTER TABLE public.events ENABLE ROW LEVEL SECURITY;
+ALTER TABLE public.event_rsvps ENABLE ROW LEVEL SECURITY;
+ALTER TABLE public.event_rsvps_public ENABLE ROW LEVEL SECURITY;
+ALTER TABLE public.documents ENABLE ROW LEVEL SECURITY;
+ALTER TABLE public.app_settings ENABLE ROW LEVEL SECURITY;
+ALTER TABLE public.email_templates ENABLE ROW LEVEL SECURITY;
+ALTER TABLE public.email_logs ENABLE ROW LEVEL SECURITY;
+
+-- MEMBERS POLICIES
+CREATE POLICY "Members viewable by authenticated users"
+  ON public.members FOR SELECT
+  TO authenticated
+  USING (true);
+
+CREATE POLICY "Users can update own profile"
+  ON public.members FOR UPDATE
+  TO authenticated
+  USING (auth.uid() = id);
+
+CREATE POLICY "Admins can insert members"
+  ON public.members FOR INSERT
+  TO authenticated
+  WITH CHECK (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+    OR auth.uid() = id
+  );
+
+CREATE POLICY "Admins can delete members"
+  ON public.members FOR DELETE
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+  );
+
+-- DUES PAYMENTS POLICIES
+CREATE POLICY "Own payments viewable"
+  ON public.dues_payments FOR SELECT
+  TO authenticated
+  USING (
+    member_id = auth.uid()
+    OR EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+CREATE POLICY "Board can record payments"
+  ON public.dues_payments FOR INSERT
+  TO authenticated
+  WITH CHECK (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+-- EVENTS POLICIES
+CREATE POLICY "Events viewable based on visibility"
+  ON public.events FOR SELECT
+  TO authenticated
+  USING (
+    visibility = 'members'
+    OR visibility = 'public'
+    OR (visibility = 'board' AND EXISTS (
+      SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin')
+    ))
+    OR (visibility = 'admin' AND EXISTS (
+      SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin'
+    ))
+  );
+
+CREATE POLICY "Public events viewable by anyone"
+  ON public.events FOR SELECT
+  TO anon
+  USING (visibility = 'public' AND status = 'published');
+
+CREATE POLICY "Board can manage events"
+  ON public.events FOR ALL
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+-- EVENT RSVPs POLICIES
+CREATE POLICY "RSVPs viewable by member and board"
+  ON public.event_rsvps FOR SELECT
+  TO authenticated
+  USING (
+    member_id = auth.uid()
+    OR EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+CREATE POLICY "Members can manage own RSVPs"
+  ON public.event_rsvps FOR ALL
+  TO authenticated
+  USING (member_id = auth.uid())
+  WITH CHECK (member_id = auth.uid());
+
+CREATE POLICY "Board can manage all RSVPs"
+  ON public.event_rsvps FOR ALL
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+-- PUBLIC RSVPs POLICIES
+CREATE POLICY "Public RSVPs viewable by board"
+  ON public.event_rsvps_public FOR SELECT
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+CREATE POLICY "Anyone can create public RSVP"
+  ON public.event_rsvps_public FOR INSERT
+  TO anon, authenticated
+  WITH CHECK (true);
+
+CREATE POLICY "Board can manage public RSVPs"
+  ON public.event_rsvps_public FOR ALL
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+-- DOCUMENTS POLICIES
+CREATE POLICY "Documents viewable based on visibility"
+  ON public.documents FOR SELECT
+  TO authenticated
+  USING (
+    visibility = 'members'
+    OR visibility = 'public'
+    OR (visibility = 'board' AND EXISTS (
+      SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin')
+    ))
+    OR (visibility = 'admin' AND EXISTS (
+      SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin'
+    ))
+    OR (allowed_member_ids IS NOT NULL AND auth.uid() = ANY(allowed_member_ids))
+  );
+
+CREATE POLICY "Board can upload documents"
+  ON public.documents FOR INSERT
+  TO authenticated
+  WITH CHECK (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+CREATE POLICY "Admin can manage all documents"
+  ON public.documents FOR ALL
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+  );
+
+-- APP SETTINGS POLICIES
+CREATE POLICY "Public settings viewable by anyone"
+  ON public.app_settings FOR SELECT
+  USING (is_public = true);
+
+CREATE POLICY "All settings viewable by admin"
+  ON public.app_settings FOR SELECT
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+  );
+
+CREATE POLICY "Admin can manage settings"
+  ON public.app_settings FOR ALL
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+  );
+
+-- EMAIL TEMPLATES POLICIES
+CREATE POLICY "Admin can manage email templates"
+  ON public.email_templates FOR ALL
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+  );
+
+-- EMAIL LOGS POLICIES
+CREATE POLICY "Own email logs viewable"
+  ON public.email_logs FOR SELECT
+  TO authenticated
+  USING (
+    recipient_id = auth.uid()
+    OR EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+  );
+
+CREATE POLICY "Admin can manage email logs"
+  ON public.email_logs FOR ALL
+  TO authenticated
+  USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+  );
+
+-- ============================================
+-- INDEXES
+-- ============================================
+CREATE INDEX idx_members_email ON public.members(email);
+CREATE INDEX idx_members_member_id ON public.members(member_id);
+CREATE INDEX idx_members_role ON public.members(role);
+CREATE INDEX idx_members_status ON public.members(membership_status_id);
+
+CREATE INDEX idx_dues_payments_member ON public.dues_payments(member_id);
+CREATE INDEX idx_dues_payments_date ON public.dues_payments(payment_date DESC);
+
+CREATE INDEX idx_events_start ON public.events(start_datetime);
+CREATE INDEX idx_events_visibility ON public.events(visibility);
+CREATE INDEX idx_events_status ON public.events(status);
+
+CREATE INDEX idx_event_rsvps_event ON public.event_rsvps(event_id);
+CREATE INDEX idx_event_rsvps_member ON public.event_rsvps(member_id);
+
+CREATE INDEX idx_documents_category ON public.documents(category_id);
+CREATE INDEX idx_documents_visibility ON public.documents(visibility);
+
+CREATE INDEX idx_app_settings_category ON public.app_settings(category, setting_key);
+
+CREATE INDEX idx_email_logs_recipient ON public.email_logs(recipient_id);
+CREATE INDEX idx_email_logs_status ON public.email_logs(status);
+CREATE INDEX idx_email_logs_created ON public.email_logs(created_at DESC);

supabase/migrations/002_admin_integrations_settings.sql

@@ -0,0 +1,35 @@
+-- ============================================
+-- ADMIN INTEGRATION SETTINGS
+-- SMTP, S3/MinIO, and expanded system settings
+-- ============================================
+
+-- Add SMTP settings
+INSERT INTO public.app_settings (category, setting_key, setting_value, setting_type, display_name, description, is_public) VALUES
+  -- Email/SMTP Configuration
+  ('email', 'smtp_host', '""', 'text', 'SMTP Host', 'SMTP server hostname (e.g., smtp.gmail.com)', false),
+  ('email', 'smtp_port', '587', 'number', 'SMTP Port', 'SMTP server port (25, 465, 587)', false),
+  ('email', 'smtp_secure', 'true', 'boolean', 'Use TLS/SSL', 'Enable secure connection (recommended)', false),
+  ('email', 'smtp_username', '""', 'text', 'SMTP Username', 'SMTP authentication username', false),
+  ('email', 'smtp_password', '""', 'text', 'SMTP Password', 'SMTP authentication password', false),
+  ('email', 'smtp_from_address', '"noreply@monacousa.org"', 'text', 'From Address', 'Default sender email address', false),
+  ('email', 'smtp_from_name', '"Monaco USA"', 'text', 'From Name', 'Default sender display name', false),
+  ('email', 'smtp_reply_to', '"contact@monacousa.org"', 'text', 'Reply-To Address', 'Reply-to email address', false),
+  ('email', 'smtp_enabled', 'false', 'boolean', 'Enable Email', 'Enable sending emails via SMTP', false),
+
+  -- S3/MinIO Storage Configuration
+  ('storage', 's3_endpoint', '""', 'text', 'S3 Endpoint', 'S3-compatible endpoint URL (e.g., http://minio:9000)', false),
+  ('storage', 's3_bucket', '"monacousa-documents"', 'text', 'Bucket Name', 'S3 bucket name for file storage', false),
+  ('storage', 's3_access_key', '""', 'text', 'Access Key', 'S3 access key ID', false),
+  ('storage', 's3_secret_key', '""', 'text', 'Secret Key', 'S3 secret access key', false),
+  ('storage', 's3_region', '"us-east-1"', 'text', 'Region', 'S3 region (use us-east-1 for MinIO)', false),
+  ('storage', 's3_use_ssl', 'false', 'boolean', 'Use SSL', 'Enable SSL for S3 connections', false),
+  ('storage', 's3_force_path_style', 'true', 'boolean', 'Force Path Style', 'Use path-style URLs (required for MinIO)', false),
+  ('storage', 's3_enabled', 'false', 'boolean', 'Enable S3 Storage', 'Use external S3 instead of Supabase Storage', false),
+
+  -- Additional System Settings
+  ('system', 'session_timeout_hours', '168', 'number', 'Session Timeout', 'Hours until session expires (default: 7 days)', false),
+  ('system', 'allowed_file_types', '["pdf","doc","docx","xls","xlsx","ppt","pptx","txt","jpg","jpeg","png","webp"]', 'array', 'Allowed File Types', 'Allowed file extensions for uploads', false),
+  ('system', 'maintenance_message', '"The portal is currently undergoing maintenance. Please check back soon."', 'text', 'Maintenance Message', 'Message shown during maintenance', false),
+  ('system', 'enable_public_events', 'true', 'boolean', 'Enable Public Events', 'Allow non-members to view public events', false),
+  ('system', 'enable_public_rsvp', 'true', 'boolean', 'Enable Public RSVP', 'Allow non-members to RSVP to public events', false)
+ON CONFLICT (category, setting_key) DO NOTHING;

supabase/migrations/003_storage_buckets_and_audit.sql

@@ -0,0 +1,504 @@
+-- Monaco USA Portal 2026
+-- Migration 003: Storage Buckets and Audit Logging
+-- ================================================
+
+-- ============================================
+-- STORAGE BUCKETS
+-- ============================================
+
+-- Documents bucket (public for direct URL access - visibility controlled at app level)
+INSERT INTO storage.buckets (id, name, public, file_size_limit, allowed_mime_types)
+VALUES (
+  'documents',
+  'documents',
+  true,
+  52428800, -- 50MB
+  ARRAY['application/pdf', 'application/msword', 'application/vnd.openxmlformats-officedocument.wordprocessingml.document', 'application/vnd.ms-excel', 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet', 'application/vnd.ms-powerpoint', 'application/vnd.openxmlformats-officedocument.presentationml.presentation', 'text/plain', 'text/csv', 'application/json', 'image/jpeg', 'image/png', 'image/webp', 'image/gif']
+)
+ON CONFLICT (id) DO UPDATE SET
+  public = true,
+  file_size_limit = EXCLUDED.file_size_limit,
+  allowed_mime_types = EXCLUDED.allowed_mime_types;
+
+-- Avatars bucket (public for display)
+INSERT INTO storage.buckets (id, name, public, file_size_limit, allowed_mime_types)
+VALUES (
+  'avatars',
+  'avatars',
+  true,
+  5242880, -- 5MB
+  ARRAY['image/jpeg', 'image/png', 'image/webp', 'image/gif']
+)
+ON CONFLICT (id) DO UPDATE SET
+  public = true,
+  file_size_limit = EXCLUDED.file_size_limit,
+  allowed_mime_types = EXCLUDED.allowed_mime_types;
+
+-- Event images bucket (public for display)
+INSERT INTO storage.buckets (id, name, public, file_size_limit, allowed_mime_types)
+VALUES (
+  'event-images',
+  'event-images',
+  true,
+  10485760, -- 10MB
+  ARRAY['image/jpeg', 'image/png', 'image/webp']
+)
+ON CONFLICT (id) DO UPDATE SET
+  public = true,
+  file_size_limit = EXCLUDED.file_size_limit,
+  allowed_mime_types = EXCLUDED.allowed_mime_types;
+
+-- ============================================
+-- STORAGE POLICIES
+-- ============================================
+
+-- Documents bucket policies
+DROP POLICY IF EXISTS "documents_read_policy" ON storage.objects;
+CREATE POLICY "documents_read_policy" ON storage.objects FOR SELECT
+USING (bucket_id = 'documents' AND auth.role() = 'authenticated');
+
+DROP POLICY IF EXISTS "documents_insert_policy" ON storage.objects;
+CREATE POLICY "documents_insert_policy" ON storage.objects FOR INSERT
+WITH CHECK (
+  bucket_id = 'documents'
+  AND auth.role() = 'authenticated'
+  AND EXISTS (
+    SELECT 1 FROM public.members
+    WHERE id = auth.uid()
+    AND role IN ('board', 'admin')
+  )
+);
+
+DROP POLICY IF EXISTS "documents_delete_policy" ON storage.objects;
+CREATE POLICY "documents_delete_policy" ON storage.objects FOR DELETE
+USING (
+  bucket_id = 'documents'
+  AND EXISTS (
+    SELECT 1 FROM public.members
+    WHERE id = auth.uid()
+    AND role = 'admin'
+  )
+);
+
+-- Avatars bucket policies (public read, user-specific write)
+DROP POLICY IF EXISTS "avatars_read_policy" ON storage.objects;
+CREATE POLICY "avatars_read_policy" ON storage.objects FOR SELECT
+USING (bucket_id = 'avatars');
+
+DROP POLICY IF EXISTS "avatars_insert_policy" ON storage.objects;
+CREATE POLICY "avatars_insert_policy" ON storage.objects FOR INSERT
+WITH CHECK (
+  bucket_id = 'avatars'
+  AND auth.role() = 'authenticated'
+  AND (storage.foldername(name))[1] = auth.uid()::text
+);
+
+DROP POLICY IF EXISTS "avatars_update_policy" ON storage.objects;
+CREATE POLICY "avatars_update_policy" ON storage.objects FOR UPDATE
+USING (
+  bucket_id = 'avatars'
+  AND auth.role() = 'authenticated'
+  AND (storage.foldername(name))[1] = auth.uid()::text
+);
+
+DROP POLICY IF EXISTS "avatars_delete_policy" ON storage.objects;
+CREATE POLICY "avatars_delete_policy" ON storage.objects FOR DELETE
+USING (
+  bucket_id = 'avatars'
+  AND auth.role() = 'authenticated'
+  AND (storage.foldername(name))[1] = auth.uid()::text
+);
+
+-- Event images bucket policies
+DROP POLICY IF EXISTS "event_images_read_policy" ON storage.objects;
+CREATE POLICY "event_images_read_policy" ON storage.objects FOR SELECT
+USING (bucket_id = 'event-images');
+
+DROP POLICY IF EXISTS "event_images_insert_policy" ON storage.objects;
+CREATE POLICY "event_images_insert_policy" ON storage.objects FOR INSERT
+WITH CHECK (
+  bucket_id = 'event-images'
+  AND auth.role() = 'authenticated'
+  AND EXISTS (
+    SELECT 1 FROM public.members
+    WHERE id = auth.uid()
+    AND role IN ('board', 'admin')
+  )
+);
+
+DROP POLICY IF EXISTS "event_images_delete_policy" ON storage.objects;
+CREATE POLICY "event_images_delete_policy" ON storage.objects FOR DELETE
+USING (
+  bucket_id = 'event-images'
+  AND EXISTS (
+    SELECT 1 FROM public.members
+    WHERE id = auth.uid()
+    AND role IN ('board', 'admin')
+  )
+);
+
+-- ============================================
+-- AUDIT LOGS TABLE
+-- ============================================
+
+CREATE TABLE IF NOT EXISTS audit_logs (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  user_id UUID REFERENCES auth.users(id) ON DELETE SET NULL,
+  user_email TEXT,
+  action TEXT NOT NULL,
+  resource_type TEXT,
+  resource_id TEXT,
+  details JSONB DEFAULT '{}',
+  ip_address TEXT,
+  user_agent TEXT,
+  created_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+-- Index for querying audit logs
+CREATE INDEX IF NOT EXISTS idx_audit_logs_user_id ON audit_logs(user_id);
+CREATE INDEX IF NOT EXISTS idx_audit_logs_action ON audit_logs(action);
+CREATE INDEX IF NOT EXISTS idx_audit_logs_resource_type ON audit_logs(resource_type);
+CREATE INDEX IF NOT EXISTS idx_audit_logs_created_at ON audit_logs(created_at DESC);
+
+-- RLS for audit logs (only admins can read, service role can write)
+ALTER TABLE audit_logs ENABLE ROW LEVEL SECURITY;
+
+DROP POLICY IF EXISTS "audit_logs_read_admin" ON audit_logs;
+CREATE POLICY "audit_logs_read_admin" ON audit_logs FOR SELECT
+USING (
+  EXISTS (
+    SELECT 1 FROM public.members
+    WHERE id = auth.uid()
+    AND role = 'admin'
+  )
+);
+
+-- ============================================
+-- DEFAULT EMAIL TEMPLATES
+-- ============================================
+
+-- Insert default email templates if they don't exist
+-- Using Monaco-branded design matching the login screen
+INSERT INTO email_templates (template_key, template_name, category, subject, body_html, body_text, is_system)
+VALUES
+  (
+    'welcome',
+    'Welcome Email',
+    'member',
+    'Welcome to Monaco USA, {{first_name}}!',
+    '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.9) 0%, rgba(30, 41, 59, 0.85) 50%, rgba(127, 29, 29, 0.8) 100%); background-color: #0f172a;">
+    <tr>
+      <td align="center" style="padding: 40px 20px;">
+        <!-- Logo Section -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-bottom: 30px;">
+              <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+              </div>
+              <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+              <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Main Content Card -->
+        <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+          <tr>
+            <td style="padding: 40px;">
+              <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Welcome to Monaco USA!</h2>
+              <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+              <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">We are thrilled to welcome you to the Monaco USA community! Your membership has been created and you can now access all member features.</p>
+              <p style="margin: 0 0 12px 0; color: #334155; font-weight: 600;">To get started:</p>
+              <ol style="margin: 0 0 20px 20px; padding: 0; color: #334155; line-height: 1.8;">
+                <li>Set up your password using the separate email we sent</li>
+                <li>Complete your profile with your details</li>
+                <li>Explore upcoming events and connect with fellow members</li>
+              </ol>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">If you have any questions, please don''t hesitate to reach out to our board members.</p>
+              <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Footer -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-top: 24px;">
+              <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+            </td>
+          </tr>
+        </table>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>',
+    'Welcome to Monaco USA, {{first_name}}! Your membership has been created. Please set up your password and complete your profile.',
+    true
+  ),
+  (
+    'waitlist_promotion',
+    'Waitlist Promotion',
+    'event',
+    'Great news! You''re confirmed for {{event_title}}',
+    '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.9) 0%, rgba(30, 41, 59, 0.85) 50%, rgba(127, 29, 29, 0.8) 100%); background-color: #0f172a;">
+    <tr>
+      <td align="center" style="padding: 40px 20px;">
+        <!-- Logo Section -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-bottom: 30px;">
+              <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+              </div>
+              <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+              <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Main Content Card -->
+        <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+          <tr>
+            <td style="padding: 40px;">
+              <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">You''re In!</h2>
+              <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">Great news! A spot has opened up for <strong>{{event_title}}</strong> and you have been moved from the waitlist to confirmed!</p>
+              <div style="background: #f8fafc; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                <p style="margin: 0 0 8px 0; color: #64748b; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px;">Event Details</p>
+                <p style="margin: 0 0 8px 0; color: #334155;"><strong>Date:</strong> {{event_date}}</p>
+                <p style="margin: 0; color: #334155;"><strong>Location:</strong> {{event_location}}</p>
+              </div>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">We look forward to seeing you there!</p>
+              <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Footer -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-top: 24px;">
+              <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+            </td>
+          </tr>
+        </table>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>',
+    'Great news! A spot has opened up for {{event_title}} and you''ve been confirmed. See you on {{event_date}} at {{event_location}}!',
+    true
+  ),
+  (
+    'rsvp_confirmation',
+    'RSVP Confirmation',
+    'event',
+    'RSVP Confirmed: {{event_title}}',
+    '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.9) 0%, rgba(30, 41, 59, 0.85) 50%, rgba(127, 29, 29, 0.8) 100%); background-color: #0f172a;">
+    <tr>
+      <td align="center" style="padding: 40px 20px;">
+        <!-- Logo Section -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-bottom: 30px;">
+              <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+              </div>
+              <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+              <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Main Content Card -->
+        <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+          <tr>
+            <td style="padding: 40px;">
+              <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">RSVP Confirmed!</h2>
+              <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">Your RSVP for <strong>{{event_title}}</strong> has been confirmed.</p>
+              <div style="background: #f8fafc; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                <p style="margin: 0 0 8px 0; color: #64748b; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px;">Event Details</p>
+                <p style="margin: 0 0 8px 0; color: #334155;"><strong>Date:</strong> {{event_date}}</p>
+                <p style="margin: 0 0 8px 0; color: #334155;"><strong>Time:</strong> {{event_time}}</p>
+                <p style="margin: 0 0 8px 0; color: #334155;"><strong>Location:</strong> {{event_location}}</p>
+                <p style="margin: 0; color: #334155;"><strong>Guests:</strong> {{guest_count}}</p>
+              </div>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">We look forward to seeing you!</p>
+              <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Footer -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-top: 24px;">
+              <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+            </td>
+          </tr>
+        </table>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>',
+    'Your RSVP for {{event_title}} is confirmed! See you on {{event_date}} at {{event_location}}.',
+    true
+  ),
+  (
+    'payment_received',
+    'Payment Received',
+    'dues',
+    'Payment Received - Monaco USA',
+    '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.9) 0%, rgba(30, 41, 59, 0.85) 50%, rgba(127, 29, 29, 0.8) 100%); background-color: #0f172a;">
+    <tr>
+      <td align="center" style="padding: 40px 20px;">
+        <!-- Logo Section -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-bottom: 30px;">
+              <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+              </div>
+              <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+              <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Main Content Card -->
+        <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+          <tr>
+            <td style="padding: 40px;">
+              <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Payment Received</h2>
+              <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">We have received your payment. Thank you!</p>
+              <div style="background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                <p style="margin: 0 0 8px 0; color: #166534; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px;">Payment Details</p>
+                <p style="margin: 0 0 8px 0; color: #334155;"><strong>Amount:</strong> ${{amount}}</p>
+                <p style="margin: 0 0 8px 0; color: #334155;"><strong>Date:</strong> {{payment_date}}</p>
+                <p style="margin: 0; color: #334155;"><strong>Reference:</strong> {{reference}}</p>
+              </div>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">Your membership dues are now paid through <strong>{{due_date}}</strong>.</p>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">Thank you for your continued support of Monaco USA!</p>
+              <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Footer -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-top: 24px;">
+              <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+            </td>
+          </tr>
+        </table>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>',
+    'Payment of ${{amount}} received on {{payment_date}}. Your dues are paid through {{due_date}}. Thank you!',
+    true
+  ),
+  (
+    'dues_reminder',
+    'Dues Reminder',
+    'dues',
+    'Monaco USA Membership Dues Reminder',
+    '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.9) 0%, rgba(30, 41, 59, 0.85) 50%, rgba(127, 29, 29, 0.8) 100%); background-color: #0f172a;">
+    <tr>
+      <td align="center" style="padding: 40px 20px;">
+        <!-- Logo Section -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-bottom: 30px;">
+              <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+              </div>
+              <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+              <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Main Content Card -->
+        <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+          <tr>
+            <td style="padding: 40px;">
+              <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Membership Dues Reminder</h2>
+              <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">This is a friendly reminder that your Monaco USA membership dues {{status}}.</p>
+              <div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                <p style="margin: 0 0 8px 0; color: #92400e; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px;">Dues Details</p>
+                <p style="margin: 0 0 8px 0; color: #334155;"><strong>Amount Due:</strong> ${{amount}}</p>
+                <p style="margin: 0; color: #334155;"><strong>Due Date:</strong> {{due_date}}</p>
+              </div>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">Please log in to your member portal to view payment instructions or contact the treasurer for assistance.</p>
+              <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">Thank you for your continued membership!</p>
+              <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+            </td>
+          </tr>
+        </table>
+
+        <!-- Footer -->
+        <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+          <tr>
+            <td align="center" style="padding-top: 24px;">
+              <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+            </td>
+          </tr>
+        </table>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>',
+    'Reminder: Your Monaco USA membership dues ({{amount}}) {{status}}. Due date: {{due_date}}. Please log in to your portal for payment instructions.',
+    true
+  )
+ON CONFLICT (template_key) DO NOTHING;
+
+-- Grant permissions
+GRANT SELECT, INSERT, UPDATE, DELETE ON audit_logs TO authenticated;
+GRANT ALL ON audit_logs TO service_role;

supabase/migrations/004_user_notification_preferences.sql

@@ -0,0 +1,102 @@
+-- User Notification Preferences
+-- Allows members to control what email notifications they receive
+
+-- Create user notification preferences table
+CREATE TABLE IF NOT EXISTS user_notification_preferences (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    member_id UUID NOT NULL REFERENCES members(id) ON DELETE CASCADE UNIQUE,
+
+    -- Event notifications
+    email_event_rsvp_confirmation BOOLEAN DEFAULT true,
+    email_event_reminder BOOLEAN DEFAULT true,
+    email_event_updates BOOLEAN DEFAULT true,
+    email_waitlist_promotion BOOLEAN DEFAULT true,
+
+    -- Membership notifications
+    email_dues_reminder BOOLEAN DEFAULT true,
+    email_payment_confirmation BOOLEAN DEFAULT true,
+    email_membership_updates BOOLEAN DEFAULT true,
+
+    -- General notifications
+    email_announcements BOOLEAN DEFAULT true,
+    email_newsletter BOOLEAN DEFAULT true,
+
+    -- Newsletter frequency (if subscribed)
+    newsletter_frequency TEXT DEFAULT 'monthly' CHECK (newsletter_frequency IN ('weekly', 'monthly', 'quarterly', 'never')),
+
+    -- Timestamps
+    created_at TIMESTAMPTZ DEFAULT NOW(),
+    updated_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+-- Create indexes
+CREATE INDEX IF NOT EXISTS idx_notification_prefs_member ON user_notification_preferences(member_id);
+
+-- Enable RLS
+ALTER TABLE user_notification_preferences ENABLE ROW LEVEL SECURITY;
+
+-- RLS Policies
+-- Members can view their own preferences
+CREATE POLICY "Members can view own notification preferences"
+ON user_notification_preferences FOR SELECT
+USING (member_id = auth.uid());
+
+-- Members can insert their own preferences
+CREATE POLICY "Members can insert own notification preferences"
+ON user_notification_preferences FOR INSERT
+WITH CHECK (member_id = auth.uid());
+
+-- Members can update their own preferences
+CREATE POLICY "Members can update own notification preferences"
+ON user_notification_preferences FOR UPDATE
+USING (member_id = auth.uid())
+WITH CHECK (member_id = auth.uid());
+
+-- Admins can view all preferences (for admin reports)
+CREATE POLICY "Admins can view all notification preferences"
+ON user_notification_preferences FOR SELECT
+USING (
+    EXISTS (
+        SELECT 1 FROM members
+        WHERE members.id = auth.uid()
+        AND members.role = 'admin'
+    )
+);
+
+-- Function to create default preferences for new members
+CREATE OR REPLACE FUNCTION create_default_notification_preferences()
+RETURNS TRIGGER AS $$
+BEGIN
+    INSERT INTO user_notification_preferences (member_id)
+    VALUES (NEW.id)
+    ON CONFLICT (member_id) DO NOTHING;
+    RETURN NEW;
+END;
+$$ LANGUAGE plpgsql SECURITY DEFINER;
+
+-- Trigger to create preferences when a new member is created
+DROP TRIGGER IF EXISTS on_member_created_create_notification_prefs ON members;
+CREATE TRIGGER on_member_created_create_notification_prefs
+    AFTER INSERT ON members
+    FOR EACH ROW
+    EXECUTE FUNCTION create_default_notification_preferences();
+
+-- Create default preferences for existing members
+INSERT INTO user_notification_preferences (member_id)
+SELECT id FROM members
+ON CONFLICT (member_id) DO NOTHING;
+
+-- Add updated_at trigger
+CREATE OR REPLACE FUNCTION update_notification_prefs_updated_at()
+RETURNS TRIGGER AS $$
+BEGIN
+    NEW.updated_at = NOW();
+    RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+DROP TRIGGER IF EXISTS set_notification_prefs_updated_at ON user_notification_preferences;
+CREATE TRIGGER set_notification_prefs_updated_at
+    BEFORE UPDATE ON user_notification_preferences
+    FOR EACH ROW
+    EXECUTE FUNCTION update_notification_prefs_updated_at();

supabase/migrations/005_fix_avatars_storage_policy.sql

@@ -0,0 +1,37 @@
+-- Monaco USA Portal 2026
+-- Migration 005: Fix Avatars Storage Policy
+-- ================================================
+-- This fixes the RLS policy for avatars bucket to allow authenticated users to upload
+
+-- Drop existing restrictive policies
+DROP POLICY IF EXISTS "avatars_insert_policy" ON storage.objects;
+DROP POLICY IF EXISTS "avatars_update_policy" ON storage.objects;
+DROP POLICY IF EXISTS "avatars_delete_policy" ON storage.objects;
+
+-- Create new permissive policy for authenticated users
+-- Avatars bucket is public for reading, so we just need to ensure authenticated users can upload
+CREATE POLICY "avatars_insert_policy" ON storage.objects FOR INSERT
+TO authenticated
+WITH CHECK (bucket_id = 'avatars');
+
+CREATE POLICY "avatars_update_policy" ON storage.objects FOR UPDATE
+TO authenticated
+USING (bucket_id = 'avatars');
+
+CREATE POLICY "avatars_delete_policy" ON storage.objects FOR DELETE
+TO authenticated
+USING (bucket_id = 'avatars');
+
+-- Ensure the avatars bucket exists and is public
+INSERT INTO storage.buckets (id, name, public, file_size_limit, allowed_mime_types)
+VALUES (
+  'avatars',
+  'avatars',
+  true,
+  5242880, -- 5MB
+  ARRAY['image/jpeg', 'image/png', 'image/webp', 'image/gif']
+)
+ON CONFLICT (id) DO UPDATE SET
+  public = true,
+  file_size_limit = EXCLUDED.file_size_limit,
+  allowed_mime_types = EXCLUDED.allowed_mime_types;

supabase/migrations/006_document_folders.sql

@@ -0,0 +1,100 @@
+-- Monaco USA Portal 2026 - Document Folders
+-- Adds hierarchical folder support for document organization
+
+-- ============================================
+-- DOCUMENT FOLDERS TABLE
+-- ============================================
+CREATE TABLE public.document_folders (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  name TEXT NOT NULL,
+  parent_id UUID REFERENCES public.document_folders(id) ON DELETE CASCADE,
+  path TEXT, -- Full path for breadcrumb support
+  visibility TEXT NOT NULL DEFAULT 'members'
+    CHECK (visibility IN ('public', 'members', 'board', 'admin')),
+  created_by UUID REFERENCES public.members(id),
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_at TIMESTAMPTZ DEFAULT NOW(),
+
+  -- Ensure unique folder names within same parent
+  UNIQUE(name, parent_id)
+);
+
+-- Add updated_at trigger
+CREATE TRIGGER document_folders_updated_at
+  BEFORE UPDATE ON public.document_folders
+  FOR EACH ROW
+  EXECUTE FUNCTION update_updated_at();
+
+-- ============================================
+-- ADD FOLDER_ID TO DOCUMENTS TABLE
+-- ============================================
+ALTER TABLE public.documents
+ADD COLUMN folder_id UUID REFERENCES public.document_folders(id) ON DELETE SET NULL;
+
+-- ============================================
+-- PATH UPDATE TRIGGER
+-- ============================================
+CREATE OR REPLACE FUNCTION update_folder_path()
+RETURNS TRIGGER AS $$
+DECLARE
+  parent_path TEXT;
+BEGIN
+  IF NEW.parent_id IS NULL THEN
+    NEW.path = NEW.name;
+  ELSE
+    SELECT path INTO parent_path
+    FROM public.document_folders
+    WHERE id = NEW.parent_id;
+
+    NEW.path = parent_path || '/' || NEW.name;
+  END IF;
+  RETURN NEW;
+END;
+$$ LANGUAGE plpgsql;
+
+CREATE TRIGGER folder_path_trigger
+  BEFORE INSERT OR UPDATE ON public.document_folders
+  FOR EACH ROW
+  EXECUTE FUNCTION update_folder_path();
+
+-- ============================================
+-- RLS POLICIES FOR FOLDERS
+-- ============================================
+ALTER TABLE public.document_folders ENABLE ROW LEVEL SECURITY;
+
+-- Everyone can view folders based on visibility
+CREATE POLICY "Folders visible based on visibility" ON public.document_folders
+  FOR SELECT USING (
+    visibility = 'public' OR
+    (visibility = 'members' AND auth.uid() IS NOT NULL) OR
+    (visibility = 'board' AND EXISTS (
+      SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin')
+    )) OR
+    (visibility = 'admin' AND EXISTS (
+      SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin'
+    ))
+  );
+
+-- Board and admin can create folders
+CREATE POLICY "Board/admin can create folders" ON public.document_folders
+  FOR INSERT WITH CHECK (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+-- Board and admin can update folders
+CREATE POLICY "Board/admin can update folders" ON public.document_folders
+  FOR UPDATE USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+-- Only admin can delete folders
+CREATE POLICY "Admin can delete folders" ON public.document_folders
+  FOR DELETE USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role = 'admin')
+  );
+
+-- ============================================
+-- INDEX FOR FOLDER QUERIES
+-- ============================================
+CREATE INDEX idx_document_folders_parent ON public.document_folders(parent_id);
+CREATE INDEX idx_documents_folder ON public.documents(folder_id);

supabase/migrations/007_dues_reminders.sql

@@ -0,0 +1,307 @@
+-- Monaco USA Portal 2026 - Dues Reminders Enhancement
+-- Track sent reminders to avoid duplicates and enable analytics
+
+-- ============================================
+-- DUES REMINDER LOGS TABLE
+-- ============================================
+CREATE TABLE public.dues_reminder_logs (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  member_id UUID NOT NULL REFERENCES public.members(id) ON DELETE CASCADE,
+  reminder_type TEXT NOT NULL CHECK (reminder_type IN ('due_soon_30', 'due_soon_7', 'due_soon_1', 'overdue', 'grace_period', 'inactive_notice')),
+  due_date DATE NOT NULL,
+  sent_at TIMESTAMPTZ DEFAULT NOW(),
+  email_log_id UUID REFERENCES public.email_logs(id),
+  -- Prevent duplicate reminders for same member/type/period
+  UNIQUE(member_id, reminder_type, due_date)
+);
+
+-- Enable RLS
+ALTER TABLE public.dues_reminder_logs ENABLE ROW LEVEL SECURITY;
+
+-- Board and admin can view reminder logs
+CREATE POLICY "Board/admin can view reminder logs" ON public.dues_reminder_logs
+  FOR SELECT USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+-- Only service role can insert reminder logs (from cron/server)
+CREATE POLICY "Service role can manage reminder logs" ON public.dues_reminder_logs
+  FOR ALL USING (true)
+  WITH CHECK (true);
+
+-- Index for fast lookups
+CREATE INDEX idx_reminder_logs_member_date ON public.dues_reminder_logs(member_id, due_date);
+CREATE INDEX idx_reminder_logs_type_sent ON public.dues_reminder_logs(reminder_type, sent_at);
+
+-- ============================================
+-- ADD EMAIL TEMPLATES FOR DUES REMINDERS
+-- ============================================
+
+-- 30 days before due reminder
+INSERT INTO public.email_templates (template_key, template_name, category, subject, body_html, body_text, is_active, is_system, variables_schema) VALUES
+(
+  'dues_reminder_30',
+  'Dues Reminder - 30 Days',
+  'payment',
+  'Your Monaco USA Membership Dues Are Coming Up',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">This is a friendly reminder that your Monaco USA membership dues will be due on <strong>{{due_date}}</strong>.</p>
+<div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #334155; font-size: 14px; font-weight: 600;">Payment Details:</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Amount Due:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Due Date:</strong> {{due_date}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Member ID:</strong> {{member_id}}</p>
+</div>
+<div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #92400e; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">You can also view your payment status and history in the member portal:</p>
+<p style="margin: 0 0 20px 0;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">View My Account</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 14px;">Thank you for being a valued member of Monaco USA!</p>',
+  'Dear {{first_name}},
+
+This is a friendly reminder that your Monaco USA membership dues will be due on {{due_date}}.
+
+Payment Details:
+- Amount Due: {{amount}}
+- Due Date: {{due_date}}
+- Member ID: {{member_id}}
+
+Bank Transfer Details:
+- Account Holder: {{account_holder}}
+- Bank: {{bank_name}}
+- IBAN: {{iban}}
+- Reference: {{member_id}}
+
+Visit the member portal to view your payment status: {{portal_url}}
+
+Thank you for being a valued member of Monaco USA!',
+  true,
+  true,
+  '{"first_name": "Member first name", "due_date": "Dues due date", "amount": "Amount due", "member_id": "Member ID for reference", "account_holder": "Bank account holder", "bank_name": "Bank name", "iban": "IBAN number", "portal_url": "Portal URL"}'
+),
+(
+  'dues_reminder_7',
+  'Dues Reminder - 7 Days',
+  'payment',
+  'Reminder: Monaco USA Dues Due in 7 Days',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your Monaco USA membership dues will be due in <strong>7 days</strong> on {{due_date}}.</p>
+<div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #92400e; font-size: 14px; font-weight: 600;">Payment Information:</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Due Date:</strong> {{due_date}}</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 14px;">Questions? Contact us at contact@monacousa.org</p>',
+  'Dear {{first_name}},
+
+Your Monaco USA membership dues will be due in 7 days on {{due_date}}.
+
+Amount: {{amount}}
+IBAN: {{iban}}
+Reference: {{member_id}}
+
+Visit the portal to pay: {{portal_url}}',
+  true,
+  true,
+  '{"first_name": "Member first name", "due_date": "Dues due date", "amount": "Amount due", "member_id": "Member ID", "iban": "IBAN number", "portal_url": "Portal URL"}'
+),
+(
+  'dues_reminder_1',
+  'Dues Reminder - 1 Day',
+  'payment',
+  'URGENT: Monaco USA Dues Due Tomorrow',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;"><strong style="color: #dc2626;">Your Monaco USA membership dues are due tomorrow ({{due_date}}).</strong></p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Payment Required:</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">To maintain your active membership status and continued access to member benefits, please ensure payment is made by the due date.</p>
+<p style="margin: 0 0 20px 0;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #dc2626; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now</a>
+</p>',
+  'Dear {{first_name}},
+
+URGENT: Your Monaco USA membership dues are due tomorrow ({{due_date}}).
+
+Amount: {{amount}}
+IBAN: {{iban}}
+Reference: {{member_id}}
+
+To maintain your active membership, please pay by the due date.
+
+Pay now: {{portal_url}}',
+  true,
+  true,
+  '{"first_name": "Member first name", "due_date": "Dues due date", "amount": "Amount due", "member_id": "Member ID", "iban": "IBAN number", "portal_url": "Portal URL"}'
+),
+(
+  'dues_overdue',
+  'Dues Overdue Notice',
+  'payment',
+  'ACTION REQUIRED: Monaco USA Dues Are Now Overdue',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your Monaco USA membership dues are now <strong style="color: #dc2626;">{{days_overdue}} days overdue</strong>.</p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Overdue Payment:</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Original Due Date:</strong> {{due_date}}</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Days Overdue:</strong> {{days_overdue}}</p>
+</div>
+<div style="background: #fffbeb; border: 1px solid #fcd34d; border-radius: 12px; padding: 16px; margin: 0 0 20px 0;">
+  <p style="margin: 0; color: #92400e; font-size: 14px;"><strong>Grace Period:</strong> You have {{grace_days_remaining}} days remaining in your grace period. After this, your membership status will be changed to inactive.</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Please remit payment as soon as possible to maintain your membership benefits.</p>
+<div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #334155; font-size: 14px; font-weight: 600;">Payment Details:</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Account:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #dc2626; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now</a>
+</p>',
+  'Dear {{first_name}},
+
+Your Monaco USA membership dues are now {{days_overdue}} days overdue.
+
+Amount: {{amount}}
+Original Due Date: {{due_date}}
+Days Overdue: {{days_overdue}}
+
+Grace Period: You have {{grace_days_remaining}} days remaining. After this, your membership will be marked inactive.
+
+Payment Details:
+- Account: {{account_holder}}
+- IBAN: {{iban}}
+- Reference: {{member_id}}
+
+Pay now: {{portal_url}}',
+  true,
+  true,
+  '{"first_name": "Member first name", "due_date": "Original due date", "amount": "Amount due", "days_overdue": "Number of days overdue", "grace_days_remaining": "Days left in grace period", "member_id": "Member ID", "account_holder": "Account holder", "iban": "IBAN", "portal_url": "Portal URL"}'
+),
+(
+  'dues_grace_warning',
+  'Grace Period Ending Warning',
+  'payment',
+  'WARNING: Monaco USA Grace Period Ending Soon',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;"><strong style="color: #dc2626;">Your grace period ends in {{grace_days_remaining}} days.</strong></p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your membership dues of <strong>{{amount}}</strong> were due on {{due_date}} and are now {{days_overdue}} days overdue.</p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0; color: #991b1b; font-size: 14px;"><strong>If payment is not received by {{grace_end_date}}, your membership status will automatically change to INACTIVE and you will lose access to member benefits.</strong></p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Please make your payment immediately to avoid interruption:</p>
+<div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #dc2626; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now - Urgent</a>
+</p>',
+  'Dear {{first_name}},
+
+WARNING: Your grace period ends in {{grace_days_remaining}} days.
+
+Your dues of {{amount}} were due on {{due_date}} and are now {{days_overdue}} days overdue.
+
+If payment is not received by {{grace_end_date}}, your membership will become INACTIVE.
+
+IBAN: {{iban}}
+Reference: {{member_id}}
+
+Pay now: {{portal_url}}',
+  true,
+  true,
+  '{"first_name": "Member first name", "due_date": "Original due date", "amount": "Amount due", "days_overdue": "Days overdue", "grace_days_remaining": "Days until grace period ends", "grace_end_date": "Date grace period ends", "member_id": "Member ID", "iban": "IBAN", "portal_url": "Portal URL"}'
+),
+(
+  'dues_inactive_notice',
+  'Membership Marked Inactive',
+  'payment',
+  'Notice: Your Monaco USA Membership Is Now Inactive',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Due to non-payment of membership dues, your Monaco USA membership has been marked as <strong style="color: #dc2626;">INACTIVE</strong>.</p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Status Change:</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Previous Status:</strong> Active</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>New Status:</strong> Inactive</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Outstanding Amount:</strong> {{amount}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">As an inactive member, you will no longer have access to:</p>
+<ul style="margin: 0 0 16px 0; padding-left: 20px; color: #334155;">
+  <li>Member-only events</li>
+  <li>Member directory</li>
+  <li>Member communications</li>
+  <li>Voting rights</li>
+</ul>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">To reactivate your membership, please pay your outstanding dues:</p>
+<div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Account:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Reactivate My Membership</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 14px;">If you believe this is an error or have questions, please contact us at contact@monacousa.org</p>',
+  'Dear {{first_name}},
+
+Due to non-payment of membership dues, your Monaco USA membership has been marked as INACTIVE.
+
+Outstanding Amount: {{amount}}
+
+As an inactive member, you no longer have access to member-only events, directory, communications, or voting rights.
+
+To reactivate, please pay your dues:
+- Account: {{account_holder}}
+- IBAN: {{iban}}
+- Reference: {{member_id}}
+
+Reactivate: {{portal_url}}
+
+Questions? Contact contact@monacousa.org',
+  true,
+  true,
+  '{"first_name": "Member first name", "amount": "Outstanding amount", "member_id": "Member ID", "account_holder": "Account holder", "iban": "IBAN", "portal_url": "Portal URL"}'
+)
+ON CONFLICT (template_key) DO NOTHING;
+
+-- ============================================
+-- HELPER FUNCTION: Get dues settings
+-- ============================================
+CREATE OR REPLACE FUNCTION get_dues_settings()
+RETURNS TABLE (
+  reminder_days_before INTEGER[],
+  grace_period_days INTEGER,
+  auto_inactive_enabled BOOLEAN,
+  payment_iban TEXT,
+  payment_account_holder TEXT,
+  payment_bank_name TEXT
+) AS $$
+BEGIN
+  RETURN QUERY
+  SELECT
+    COALESCE((SELECT (setting_value)::INTEGER[] FROM app_settings WHERE category = 'dues' AND setting_key = 'reminder_days_before'), ARRAY[30, 7, 1])::INTEGER[],
+    COALESCE((SELECT (setting_value)::INTEGER FROM app_settings WHERE category = 'dues' AND setting_key = 'grace_period_days'), 30)::INTEGER,
+    COALESCE((SELECT (setting_value)::BOOLEAN FROM app_settings WHERE category = 'dues' AND setting_key = 'auto_inactive_enabled'), true)::BOOLEAN,
+    COALESCE((SELECT setting_value::TEXT FROM app_settings WHERE category = 'dues' AND setting_key = 'payment_iban'), '')::TEXT,
+    COALESCE((SELECT setting_value::TEXT FROM app_settings WHERE category = 'dues' AND setting_key = 'payment_account_holder'), '')::TEXT,
+    COALESCE((SELECT setting_value::TEXT FROM app_settings WHERE category = 'dues' AND setting_key = 'payment_bank_name'), '')::TEXT;
+END;
+$$ LANGUAGE plpgsql STABLE;

supabase/migrations/008_s3_public_endpoint.sql

@@ -0,0 +1,11 @@
+-- ============================================
+-- S3 PUBLIC ENDPOINT SETTING
+-- Separate URL for browser-accessible S3 files
+-- ============================================
+
+-- Add S3 public endpoint setting for browser access
+-- The regular s3_endpoint is for server-to-S3 communication (internal Docker)
+-- The s3_public_endpoint is for browser access to files (external URL)
+INSERT INTO public.app_settings (category, setting_key, setting_value, setting_type, display_name, description, is_public) VALUES
+  ('storage', 's3_public_endpoint', '""', 'text', 'Public Endpoint URL', 'Browser-accessible S3 URL (e.g., http://localhost:9000). Leave empty to use the same as S3 Endpoint.', false)
+ON CONFLICT (category, setting_key) DO NOTHING;

supabase/migrations/009_dual_avatar_urls.sql

@@ -0,0 +1,22 @@
+-- ============================================
+-- DUAL AVATAR URL COLUMNS
+-- Separate columns for S3 and local storage URLs
+-- ============================================
+
+-- Add separate columns for S3 and local (Supabase Storage) avatar URLs
+-- This allows switching between storage backends without losing URLs
+
+-- Add local avatar URL column
+ALTER TABLE public.members ADD COLUMN IF NOT EXISTS avatar_url_local TEXT;
+
+-- Add S3 avatar URL column
+ALTER TABLE public.members ADD COLUMN IF NOT EXISTS avatar_url_s3 TEXT;
+
+-- Add avatar storage path column (for deletion purposes)
+ALTER TABLE public.members ADD COLUMN IF NOT EXISTS avatar_path TEXT;
+
+-- Comment explaining the columns
+COMMENT ON COLUMN public.members.avatar_url IS 'Current active avatar URL (computed based on storage setting)';
+COMMENT ON COLUMN public.members.avatar_url_local IS 'Avatar URL when stored in Supabase Storage';
+COMMENT ON COLUMN public.members.avatar_url_s3 IS 'Avatar URL when stored in S3/MinIO';
+COMMENT ON COLUMN public.members.avatar_path IS 'Storage path for avatar file (e.g., member_id/avatar.jpg)';

supabase/migrations/010_storage_service_role_policies.sql

@@ -0,0 +1,79 @@
+-- ============================================
+-- STORAGE SERVICE ROLE POLICIES
+-- Allow service_role to perform all operations on avatars bucket
+-- This fixes RLS issues when using supabaseAdmin for storage operations
+-- ============================================
+
+-- First, drop any existing service role policies (in case they exist with different names)
+DROP POLICY IF EXISTS "Service role can insert avatars" ON storage.objects;
+DROP POLICY IF EXISTS "Service role can update avatars" ON storage.objects;
+DROP POLICY IF EXISTS "Service role can delete avatars" ON storage.objects;
+DROP POLICY IF EXISTS "Service role can read avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_insert_avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_update_avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_delete_avatars" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_select_avatars" ON storage.objects;
+
+-- Service role INSERT policy for avatars
+CREATE POLICY "service_role_insert_avatars" ON storage.objects
+FOR INSERT TO service_role
+WITH CHECK (bucket_id = 'avatars');
+
+-- Service role UPDATE policy for avatars
+CREATE POLICY "service_role_update_avatars" ON storage.objects
+FOR UPDATE TO service_role
+USING (bucket_id = 'avatars');
+
+-- Service role DELETE policy for avatars
+CREATE POLICY "service_role_delete_avatars" ON storage.objects
+FOR DELETE TO service_role
+USING (bucket_id = 'avatars');
+
+-- Service role SELECT policy for avatars
+CREATE POLICY "service_role_select_avatars" ON storage.objects
+FOR SELECT TO service_role
+USING (bucket_id = 'avatars');
+
+-- Also add service_role policies for documents bucket
+DROP POLICY IF EXISTS "service_role_insert_documents" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_update_documents" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_delete_documents" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_select_documents" ON storage.objects;
+
+CREATE POLICY "service_role_insert_documents" ON storage.objects
+FOR INSERT TO service_role
+WITH CHECK (bucket_id = 'documents');
+
+CREATE POLICY "service_role_update_documents" ON storage.objects
+FOR UPDATE TO service_role
+USING (bucket_id = 'documents');
+
+CREATE POLICY "service_role_delete_documents" ON storage.objects
+FOR DELETE TO service_role
+USING (bucket_id = 'documents');
+
+CREATE POLICY "service_role_select_documents" ON storage.objects
+FOR SELECT TO service_role
+USING (bucket_id = 'documents');
+
+-- Also add service_role policies for event-images bucket
+DROP POLICY IF EXISTS "service_role_insert_event_images" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_update_event_images" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_delete_event_images" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_select_event_images" ON storage.objects;
+
+CREATE POLICY "service_role_insert_event_images" ON storage.objects
+FOR INSERT TO service_role
+WITH CHECK (bucket_id = 'event-images');
+
+CREATE POLICY "service_role_update_event_images" ON storage.objects
+FOR UPDATE TO service_role
+USING (bucket_id = 'event-images');
+
+CREATE POLICY "service_role_delete_event_images" ON storage.objects
+FOR DELETE TO service_role
+USING (bucket_id = 'event-images');
+
+CREATE POLICY "service_role_select_event_images" ON storage.objects
+FOR SELECT TO service_role
+USING (bucket_id = 'event-images');

supabase/migrations/011_fix_service_role_rls.sql

@@ -0,0 +1,98 @@
+-- ============================================
+-- FIX SERVICE ROLE RLS BYPASS
+-- Ensure service_role can properly bypass RLS for storage operations
+-- ============================================
+
+-- The service_role should have BYPASSRLS attribute in Supabase
+-- But in self-hosted setups, this might not be configured correctly
+-- This migration ensures proper access through multiple approaches
+
+-- Approach 1: Grant service_role BYPASSRLS (if not already set)
+-- Note: This requires superuser privileges, which the migration might not have
+-- If this fails, the explicit policies below will still work
+DO $$
+BEGIN
+  -- Check if service_role exists and doesn't have bypassrls
+  IF EXISTS (SELECT 1 FROM pg_roles WHERE rolname = 'service_role' AND NOT rolbypassrls) THEN
+    ALTER ROLE service_role BYPASSRLS;
+    RAISE NOTICE 'Granted BYPASSRLS to service_role';
+  ELSE
+    RAISE NOTICE 'service_role already has BYPASSRLS or does not exist';
+  END IF;
+EXCEPTION
+  WHEN insufficient_privilege THEN
+    RAISE NOTICE 'Could not grant BYPASSRLS (insufficient privileges) - using explicit policies instead';
+  WHEN OTHERS THEN
+    RAISE NOTICE 'Error granting BYPASSRLS: % - using explicit policies instead', SQLERRM;
+END $$;
+
+-- Approach 2: Ensure RLS is properly configured on storage.objects
+-- Check if RLS is enabled and ensure our policies exist
+DO $$
+BEGIN
+  -- Ensure RLS is enabled on storage.objects (it should be by default)
+  IF NOT EXISTS (
+    SELECT 1 FROM pg_tables
+    WHERE schemaname = 'storage' AND tablename = 'objects' AND rowsecurity = true
+  ) THEN
+    ALTER TABLE storage.objects ENABLE ROW LEVEL SECURITY;
+    RAISE NOTICE 'Enabled RLS on storage.objects';
+  END IF;
+END $$;
+
+-- Approach 3: Create permissive policies for service_role on ALL storage buckets
+-- These use a single policy per operation type that covers all buckets
+
+-- First, clean up any existing service_role policies
+DROP POLICY IF EXISTS "service_role_all_select" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_all_insert" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_all_update" ON storage.objects;
+DROP POLICY IF EXISTS "service_role_all_delete" ON storage.objects;
+
+-- Create universal service_role policies (allow access to ALL buckets)
+CREATE POLICY "service_role_all_select" ON storage.objects
+FOR SELECT TO service_role
+USING (true);
+
+CREATE POLICY "service_role_all_insert" ON storage.objects
+FOR INSERT TO service_role
+WITH CHECK (true);
+
+CREATE POLICY "service_role_all_update" ON storage.objects
+FOR UPDATE TO service_role
+USING (true);
+
+CREATE POLICY "service_role_all_delete" ON storage.objects
+FOR DELETE TO service_role
+USING (true);
+
+-- Approach 4: Grant necessary table permissions to service_role
+GRANT ALL ON storage.objects TO service_role;
+GRANT ALL ON storage.buckets TO service_role;
+GRANT USAGE ON SCHEMA storage TO service_role;
+
+-- Also ensure service_role can use sequences in storage schema
+DO $$
+DECLARE
+  seq_name text;
+BEGIN
+  FOR seq_name IN
+    SELECT sequence_name FROM information_schema.sequences WHERE sequence_schema = 'storage'
+  LOOP
+    EXECUTE format('GRANT USAGE, SELECT ON SEQUENCE storage.%I TO service_role', seq_name);
+  END LOOP;
+END $$;
+
+-- Verify the setup
+DO $$
+DECLARE
+  policy_count int;
+BEGIN
+  SELECT COUNT(*) INTO policy_count
+  FROM pg_policies
+  WHERE schemaname = 'storage'
+    AND tablename = 'objects'
+    AND roles @> ARRAY['service_role']::name[];
+
+  RAISE NOTICE 'service_role has % policies on storage.objects', policy_count;
+END $$;

supabase/migrations/012_dual_document_urls.sql

@@ -0,0 +1,49 @@
+-- ============================================
+-- DUAL STORAGE SUPPORT FOR DOCUMENTS
+-- Store URLs for both Supabase Storage and S3 backends
+-- Mirrors the avatar dual-storage pattern from migration 009
+-- ============================================
+
+-- Add local storage URL column
+ALTER TABLE public.documents ADD COLUMN IF NOT EXISTS file_url_local TEXT;
+
+-- Add S3 storage URL column
+ALTER TABLE public.documents ADD COLUMN IF NOT EXISTS file_url_s3 TEXT;
+
+-- Add storage path column (relative path used for both backends)
+ALTER TABLE public.documents ADD COLUMN IF NOT EXISTS storage_path TEXT;
+
+-- Add comments for documentation
+COMMENT ON COLUMN public.documents.file_path IS 'Current active file URL (computed based on storage setting) - kept for backwards compatibility';
+COMMENT ON COLUMN public.documents.file_url_local IS 'File URL when stored in Supabase Storage';
+COMMENT ON COLUMN public.documents.file_url_s3 IS 'File URL when stored in S3/MinIO';
+COMMENT ON COLUMN public.documents.storage_path IS 'Storage path for file (e.g., timestamp-random-filename.pdf)';
+
+-- Migrate existing file_path values to storage_path and file_url_local
+-- This handles documents uploaded before dual-storage was implemented
+UPDATE public.documents
+SET
+  storage_path = CASE
+    WHEN file_path LIKE 'http%' THEN
+      -- Extract filename from URL
+      CASE
+        WHEN file_path LIKE '%/storage/v1/object/public/documents/%' THEN
+          substring(file_path from '/storage/v1/object/public/documents/([^?]+)')
+        WHEN file_path LIKE '%/documents/%' THEN
+          substring(file_path from '/documents/([^?]+)')
+        ELSE file_path
+      END
+    ELSE file_path
+  END,
+  file_url_local = CASE
+    WHEN file_path LIKE 'http%' AND file_path LIKE '%/storage/v1/object/public/documents/%' THEN file_path
+    ELSE NULL
+  END,
+  file_url_s3 = CASE
+    WHEN file_path LIKE 'http%' AND file_path NOT LIKE '%/storage/v1/object/public/documents/%' THEN file_path
+    ELSE NULL
+  END
+WHERE storage_path IS NULL;
+
+-- Create index for faster lookups
+CREATE INDEX IF NOT EXISTS idx_documents_storage_path ON public.documents(storage_path);

supabase/migrations/013_email_background_images.sql

@@ -0,0 +1,671 @@
+-- ============================================
+-- Migration 013: Update Email Templates with Background Image
+-- Adds S3-hosted Monaco background image to all email templates
+-- Matches login screen styling: image + gradient overlay
+-- ============================================
+
+-- Background image URL
+-- Using: https://s3.monacousa.org/public/monaco_high_res.jpg
+-- Gradient overlay: from-slate-900/80 via-slate-900/60 to-monaco-900/70
+
+-- =====================
+-- Update Welcome Email Template
+-- =====================
+UPDATE public.email_templates
+SET body_html = '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <!--[if mso]>
+  <style type="text/css">
+    body, table, td { font-family: Arial, sans-serif !important; }
+  </style>
+  <![endif]-->
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <!--[if gte mso 9]>
+  <v:background xmlns:v="urn:schemas-microsoft-com:vml" fill="t">
+    <v:fill type="tile" src="https://s3.monacousa.org/public/monaco_high_res.jpg" color="#0f172a"/>
+  </v:background>
+  <![endif]-->
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background-image: url(''https://s3.monacousa.org/public/monaco_high_res.jpg''); background-size: cover; background-position: center; background-color: #0f172a;">
+    <tr>
+      <td>
+        <div style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(127, 29, 29, 0.7) 100%);">
+          <table role="presentation" width="100%" cellspacing="0" cellpadding="0">
+            <tr>
+              <td align="center" style="padding: 40px 20px;">
+                <!-- Logo Section -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-bottom: 30px;">
+                      <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                        <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+                      </div>
+                      <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+                      <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Main Content Card -->
+                <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+                  <tr>
+                    <td style="padding: 40px;">
+                      <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Welcome to Monaco USA!</h2>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">We are thrilled to welcome you to the Monaco USA community! Your membership has been created and you can now access all member features.</p>
+                      <p style="margin: 0 0 12px 0; color: #334155; font-weight: 600;">To get started:</p>
+                      <ol style="margin: 0 0 20px 20px; padding: 0; color: #334155; line-height: 1.8;">
+                        <li>Set up your password using the separate email we sent</li>
+                        <li>Complete your profile with your details</li>
+                        <li>Explore upcoming events and connect with fellow members</li>
+                      </ol>
+                      <p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">If you have any questions, please don''t hesitate to reach out to our board members.</p>
+                      <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Footer -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-top: 24px;">
+                      <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+                    </td>
+                  </tr>
+                </table>
+              </td>
+            </tr>
+          </table>
+        </div>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>'
+WHERE template_key = 'welcome';
+
+-- =====================
+-- Update RSVP Confirmation Template
+-- =====================
+UPDATE public.email_templates
+SET body_html = '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <!--[if mso]>
+  <style type="text/css">
+    body, table, td { font-family: Arial, sans-serif !important; }
+  </style>
+  <![endif]-->
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <!--[if gte mso 9]>
+  <v:background xmlns:v="urn:schemas-microsoft-com:vml" fill="t">
+    <v:fill type="tile" src="https://s3.monacousa.org/public/monaco_high_res.jpg" color="#0f172a"/>
+  </v:background>
+  <![endif]-->
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background-image: url(''https://s3.monacousa.org/public/monaco_high_res.jpg''); background-size: cover; background-position: center; background-color: #0f172a;">
+    <tr>
+      <td>
+        <div style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(127, 29, 29, 0.7) 100%);">
+          <table role="presentation" width="100%" cellspacing="0" cellpadding="0">
+            <tr>
+              <td align="center" style="padding: 40px 20px;">
+                <!-- Logo Section -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-bottom: 30px;">
+                      <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                        <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+                      </div>
+                      <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+                      <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Main Content Card -->
+                <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+                  <tr>
+                    <td style="padding: 40px;">
+                      <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">RSVP Confirmed!</h2>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your RSVP has been confirmed for the following event:</p>
+                      <div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #CE1126; font-size: 18px; font-weight: 600;">{{event_title}}</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Date:</strong> {{event_date}}</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Location:</strong> {{event_location}}</p>
+                        <p style="margin: 0; color: #334155; font-size: 14px;"><strong>Guests:</strong> {{guest_count}}</p>
+                      </div>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">We look forward to seeing you there!</p>
+                      <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Footer -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-top: 24px;">
+                      <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+                    </td>
+                  </tr>
+                </table>
+              </td>
+            </tr>
+          </table>
+        </div>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>'
+WHERE template_key = 'rsvp_confirmation';
+
+-- =====================
+-- Update Payment Received Template
+-- =====================
+UPDATE public.email_templates
+SET body_html = '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <!--[if mso]>
+  <style type="text/css">
+    body, table, td { font-family: Arial, sans-serif !important; }
+  </style>
+  <![endif]-->
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <!--[if gte mso 9]>
+  <v:background xmlns:v="urn:schemas-microsoft-com:vml" fill="t">
+    <v:fill type="tile" src="https://s3.monacousa.org/public/monaco_high_res.jpg" color="#0f172a"/>
+  </v:background>
+  <![endif]-->
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background-image: url(''https://s3.monacousa.org/public/monaco_high_res.jpg''); background-size: cover; background-position: center; background-color: #0f172a;">
+    <tr>
+      <td>
+        <div style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(127, 29, 29, 0.7) 100%);">
+          <table role="presentation" width="100%" cellspacing="0" cellpadding="0">
+            <tr>
+              <td align="center" style="padding: 40px 20px;">
+                <!-- Logo Section -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-bottom: 30px;">
+                      <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                        <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+                      </div>
+                      <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+                      <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Main Content Card -->
+                <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+                  <tr>
+                    <td style="padding: 40px;">
+                      <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Payment Received</h2>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Thank you! We have received your membership dues payment.</p>
+                      <div style="background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #166534; font-size: 14px; font-weight: 600;">Payment Details:</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Payment Date:</strong> {{payment_date}}</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Period:</strong> {{period_start}} - {{period_end}}</p>
+                        <p style="margin: 0; color: #334155; font-size: 14px;"><strong>Member ID:</strong> {{member_id}}</p>
+                      </div>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your membership is now active through {{period_end}}. Thank you for your continued support of Monaco USA!</p>
+                      <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Footer -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-top: 24px;">
+                      <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+                    </td>
+                  </tr>
+                </table>
+              </td>
+            </tr>
+          </table>
+        </div>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>'
+WHERE template_key = 'payment_received';
+
+-- =====================
+-- Update Waitlist Promotion Template
+-- =====================
+UPDATE public.email_templates
+SET body_html = '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <!--[if mso]>
+  <style type="text/css">
+    body, table, td { font-family: Arial, sans-serif !important; }
+  </style>
+  <![endif]-->
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <!--[if gte mso 9]>
+  <v:background xmlns:v="urn:schemas-microsoft-com:vml" fill="t">
+    <v:fill type="tile" src="https://s3.monacousa.org/public/monaco_high_res.jpg" color="#0f172a"/>
+  </v:background>
+  <![endif]-->
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background-image: url(''https://s3.monacousa.org/public/monaco_high_res.jpg''); background-size: cover; background-position: center; background-color: #0f172a;">
+    <tr>
+      <td>
+        <div style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(127, 29, 29, 0.7) 100%);">
+          <table role="presentation" width="100%" cellspacing="0" cellpadding="0">
+            <tr>
+              <td align="center" style="padding: 40px 20px;">
+                <!-- Logo Section -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-bottom: 30px;">
+                      <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                        <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+                      </div>
+                      <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+                      <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Main Content Card -->
+                <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+                  <tr>
+                    <td style="padding: 40px;">
+                      <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Great News!</h2>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">A spot has opened up! You have been promoted from the waitlist for:</p>
+                      <div style="background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #166534; font-size: 18px; font-weight: 600;">{{event_title}}</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Date:</strong> {{event_date}}</p>
+                        <p style="margin: 0; color: #334155; font-size: 14px;"><strong>Location:</strong> {{event_location}}</p>
+                      </div>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your attendance is now confirmed. We look forward to seeing you!</p>
+                      <p style="margin: 0; color: #334155;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Footer -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-top: 24px;">
+                      <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+                    </td>
+                  </tr>
+                </table>
+              </td>
+            </tr>
+          </table>
+        </div>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>'
+WHERE template_key = 'waitlist_promotion';
+
+-- =====================
+-- Update Dues Reminder 30 Days Template
+-- =====================
+UPDATE public.email_templates
+SET body_html = '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <!--[if mso]>
+  <style type="text/css">
+    body, table, td { font-family: Arial, sans-serif !important; }
+  </style>
+  <![endif]-->
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <!--[if gte mso 9]>
+  <v:background xmlns:v="urn:schemas-microsoft-com:vml" fill="t">
+    <v:fill type="tile" src="https://s3.monacousa.org/public/monaco_high_res.jpg" color="#0f172a"/>
+  </v:background>
+  <![endif]-->
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background-image: url(''https://s3.monacousa.org/public/monaco_high_res.jpg''); background-size: cover; background-position: center; background-color: #0f172a;">
+    <tr>
+      <td>
+        <div style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(127, 29, 29, 0.7) 100%);">
+          <table role="presentation" width="100%" cellspacing="0" cellpadding="0">
+            <tr>
+              <td align="center" style="padding: 40px 20px;">
+                <!-- Logo Section -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-bottom: 30px;">
+                      <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                        <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+                      </div>
+                      <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+                      <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Main Content Card -->
+                <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+                  <tr>
+                    <td style="padding: 40px;">
+                      <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Dues Reminder</h2>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">This is a friendly reminder that your Monaco USA membership dues will be due on <strong>{{due_date}}</strong>.</p>
+                      <div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #334155; font-size: 14px; font-weight: 600;">Payment Details:</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Amount Due:</strong> {{amount}}</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Due Date:</strong> {{due_date}}</p>
+                        <p style="margin: 0; color: #334155; font-size: 14px;"><strong>Member ID:</strong> {{member_id}}</p>
+                      </div>
+                      <div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #92400e; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+                        <p style="margin: 0; color: #78350f; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+                      </div>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">You can also view your payment status and history in the member portal:</p>
+                      <p style="margin: 0 0 20px 0;">
+                        <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">View My Account</a>
+                      </p>
+                      <p style="margin: 0; color: #64748b; font-size: 14px;">Thank you for being a valued member of Monaco USA!</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Footer -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-top: 24px;">
+                      <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+                    </td>
+                  </tr>
+                </table>
+              </td>
+            </tr>
+          </table>
+        </div>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>'
+WHERE template_key = 'dues_reminder_30';
+
+-- =====================
+-- Update Dues Reminder 7 Days Template
+-- =====================
+UPDATE public.email_templates
+SET body_html = '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <!--[if mso]>
+  <style type="text/css">
+    body, table, td { font-family: Arial, sans-serif !important; }
+  </style>
+  <![endif]-->
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <!--[if gte mso 9]>
+  <v:background xmlns:v="urn:schemas-microsoft-com:vml" fill="t">
+    <v:fill type="tile" src="https://s3.monacousa.org/public/monaco_high_res.jpg" color="#0f172a"/>
+  </v:background>
+  <![endif]-->
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background-image: url(''https://s3.monacousa.org/public/monaco_high_res.jpg''); background-size: cover; background-position: center; background-color: #0f172a;">
+    <tr>
+      <td>
+        <div style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(127, 29, 29, 0.7) 100%);">
+          <table role="presentation" width="100%" cellspacing="0" cellpadding="0">
+            <tr>
+              <td align="center" style="padding: 40px 20px;">
+                <!-- Logo Section -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-bottom: 30px;">
+                      <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                        <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+                      </div>
+                      <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+                      <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Main Content Card -->
+                <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+                  <tr>
+                    <td style="padding: 40px;">
+                      <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Dues Due Soon</h2>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your Monaco USA membership dues are due in <strong>7 days</strong> on {{due_date}}.</p>
+                      <div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #92400e; font-size: 14px; font-weight: 600;">Payment Details:</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Amount Due:</strong> {{amount}}</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Due Date:</strong> {{due_date}}</p>
+                        <p style="margin: 0; color: #78350f; font-size: 14px;"><strong>Member ID:</strong> {{member_id}}</p>
+                      </div>
+                      <div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #92400e; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+                        <p style="margin: 0; color: #78350f; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+                      </div>
+                      <p style="margin: 0 0 20px 0;">
+                        <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now</a>
+                      </p>
+                      <p style="margin: 0; color: #64748b; font-size: 14px;">Thank you for your continued support!</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Footer -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-top: 24px;">
+                      <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+                    </td>
+                  </tr>
+                </table>
+              </td>
+            </tr>
+          </table>
+        </div>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>'
+WHERE template_key = 'dues_reminder_7';
+
+-- =====================
+-- Update Dues Reminder 1 Day Template
+-- =====================
+UPDATE public.email_templates
+SET body_html = '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <!--[if mso]>
+  <style type="text/css">
+    body, table, td { font-family: Arial, sans-serif !important; }
+  </style>
+  <![endif]-->
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <!--[if gte mso 9]>
+  <v:background xmlns:v="urn:schemas-microsoft-com:vml" fill="t">
+    <v:fill type="tile" src="https://s3.monacousa.org/public/monaco_high_res.jpg" color="#0f172a"/>
+  </v:background>
+  <![endif]-->
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background-image: url(''https://s3.monacousa.org/public/monaco_high_res.jpg''); background-size: cover; background-position: center; background-color: #0f172a;">
+    <tr>
+      <td>
+        <div style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(127, 29, 29, 0.7) 100%);">
+          <table role="presentation" width="100%" cellspacing="0" cellpadding="0">
+            <tr>
+              <td align="center" style="padding: 40px 20px;">
+                <!-- Logo Section -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-bottom: 30px;">
+                      <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                        <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+                      </div>
+                      <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+                      <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Main Content Card -->
+                <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+                  <tr>
+                    <td style="padding: 40px;">
+                      <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Final Reminder</h2>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">This is a final reminder that your Monaco USA membership dues are due <strong>tomorrow</strong> ({{due_date}}).</p>
+                      <div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Urgent - Payment Required:</p>
+                        <p style="margin: 0 0 4px 0; color: #991b1b; font-size: 14px;"><strong>Amount Due:</strong> {{amount}}</p>
+                        <p style="margin: 0 0 4px 0; color: #991b1b; font-size: 14px;"><strong>Due Date:</strong> {{due_date}}</p>
+                        <p style="margin: 0; color: #991b1b; font-size: 14px;"><strong>Member ID:</strong> {{member_id}}</p>
+                      </div>
+                      <div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #92400e; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+                        <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+                        <p style="margin: 0; color: #78350f; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+                      </div>
+                      <p style="margin: 0 0 20px 0;">
+                        <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now</a>
+                      </p>
+                      <p style="margin: 0; color: #64748b; font-size: 14px;">Please disregard this email if you have already made your payment.</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Footer -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-top: 24px;">
+                      <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+                    </td>
+                  </tr>
+                </table>
+              </td>
+            </tr>
+          </table>
+        </div>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>'
+WHERE template_key = 'dues_reminder_1';
+
+-- =====================
+-- Update Dues Reminder (Generic) Template if exists
+-- =====================
+UPDATE public.email_templates
+SET body_html = '<!DOCTYPE html>
+<html>
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <!--[if mso]>
+  <style type="text/css">
+    body, table, td { font-family: Arial, sans-serif !important; }
+  </style>
+  <![endif]-->
+</head>
+<body style="margin: 0; padding: 0; font-family: Arial, sans-serif; background-color: #0f172a;">
+  <!--[if gte mso 9]>
+  <v:background xmlns:v="urn:schemas-microsoft-com:vml" fill="t">
+    <v:fill type="tile" src="https://s3.monacousa.org/public/monaco_high_res.jpg" color="#0f172a"/>
+  </v:background>
+  <![endif]-->
+  <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="background-image: url(''https://s3.monacousa.org/public/monaco_high_res.jpg''); background-size: cover; background-position: center; background-color: #0f172a;">
+    <tr>
+      <td>
+        <div style="background: linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(15, 23, 42, 0.6) 50%, rgba(127, 29, 29, 0.7) 100%);">
+          <table role="presentation" width="100%" cellspacing="0" cellpadding="0">
+            <tr>
+              <td align="center" style="padding: 40px 20px;">
+                <!-- Logo Section -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-bottom: 30px;">
+                      <div style="background: rgba(255, 255, 255, 0.95); border-radius: 16px; padding: 12px; display: inline-block; box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);">
+                        <img src="{{logo_url}}" alt="Monaco USA" width="80" height="80" style="display: block; border-radius: 8px;">
+                      </div>
+                      <h1 style="margin: 16px 0 4px 0; font-size: 24px; font-weight: bold; color: #ffffff; text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);">Monaco <span style="color: #fca5a5;">USA</span></h1>
+                      <p style="margin: 0; font-size: 14px; color: rgba(255, 255, 255, 0.8);">Americans in Monaco</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Main Content Card -->
+                <table role="presentation" cellspacing="0" cellpadding="0" style="max-width: 480px; width: 100%; background: #ffffff; border-radius: 16px; box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);">
+                  <tr>
+                    <td style="padding: 40px;">
+                      <h2 style="margin: 0 0 20px 0; color: #CE1126; font-size: 24px;">Membership Dues Reminder</h2>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+                      <p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">This is a reminder about your Monaco USA membership dues.</p>
+                      <div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+                        <p style="margin: 0 0 8px 0; color: #334155; font-size: 14px; font-weight: 600;">Payment Details:</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Amount Due:</strong> {{amount}}</p>
+                        <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Due Date:</strong> {{due_date}}</p>
+                        <p style="margin: 0; color: #334155; font-size: 14px;"><strong>Member ID:</strong> {{member_id}}</p>
+                      </div>
+                      <p style="margin: 0 0 20px 0;">
+                        <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">View My Account</a>
+                      </p>
+                      <p style="margin: 0; color: #64748b; font-size: 14px;">Thank you for being a valued member of Monaco USA!</p>
+                    </td>
+                  </tr>
+                </table>
+
+                <!-- Footer -->
+                <table role="presentation" width="100%" cellspacing="0" cellpadding="0" style="max-width: 480px;">
+                  <tr>
+                    <td align="center" style="padding-top: 24px;">
+                      <p style="margin: 0; font-size: 12px; color: rgba(255, 255, 255, 0.5);">&copy; 2026 Monaco USA. All rights reserved.</p>
+                    </td>
+                  </tr>
+                </table>
+              </td>
+            </tr>
+          </table>
+        </div>
+      </td>
+    </tr>
+  </table>
+</body>
+</html>'
+WHERE template_key = 'dues_reminder';

supabase/migrations/014_event_reminders.sql

@@ -0,0 +1,133 @@
+-- Monaco USA Portal 2026 - Event Reminder Emails
+-- Automated reminders sent 24 hours before events to RSVPed members
+
+-- ============================================
+-- EVENT REMINDER LOGS TABLE
+-- ============================================
+CREATE TABLE public.event_reminder_logs (
+  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+  event_id UUID NOT NULL REFERENCES public.events(id) ON DELETE CASCADE,
+  rsvp_id UUID NOT NULL REFERENCES public.event_rsvps(id) ON DELETE CASCADE,
+  member_id UUID NOT NULL REFERENCES public.members(id) ON DELETE CASCADE,
+  reminder_type TEXT NOT NULL DEFAULT '24hr' CHECK (reminder_type IN ('24hr', '1hr', 'day_of')),
+  sent_at TIMESTAMPTZ DEFAULT NOW(),
+  email_log_id UUID REFERENCES public.email_logs(id),
+  -- Prevent duplicate reminders for same event/member/type
+  UNIQUE(event_id, member_id, reminder_type)
+);
+
+-- Enable RLS
+ALTER TABLE public.event_reminder_logs ENABLE ROW LEVEL SECURITY;
+
+-- Board and admin can view reminder logs
+CREATE POLICY "Board/admin can view event reminder logs" ON public.event_reminder_logs
+  FOR SELECT USING (
+    EXISTS (SELECT 1 FROM public.members WHERE id = auth.uid() AND role IN ('board', 'admin'))
+  );
+
+-- Service role can manage reminder logs (from cron/server)
+CREATE POLICY "Service role can manage event reminder logs" ON public.event_reminder_logs
+  FOR ALL USING (true)
+  WITH CHECK (true);
+
+-- Indexes for fast lookups
+CREATE INDEX idx_event_reminder_logs_event ON public.event_reminder_logs(event_id);
+CREATE INDEX idx_event_reminder_logs_member ON public.event_reminder_logs(member_id);
+CREATE INDEX idx_event_reminder_logs_sent ON public.event_reminder_logs(sent_at);
+
+-- ============================================
+-- ADD APP SETTINGS FOR EVENT REMINDERS
+-- ============================================
+INSERT INTO public.app_settings (category, setting_key, setting_value, display_name, description, is_public)
+VALUES
+  ('events', 'event_reminders_enabled', 'true', 'Event Reminders Enabled', 'Enable automated event reminder emails', false),
+  ('events', 'event_reminder_hours_before', '24', 'Reminder Hours Before', 'Hours before event to send reminder', false)
+ON CONFLICT (category, setting_key) DO NOTHING;
+
+-- ============================================
+-- ADD EMAIL TEMPLATE FOR EVENT REMINDER
+-- ============================================
+INSERT INTO public.email_templates (template_key, template_name, category, subject, body_html, body_text, is_active, is_system, variables_schema) VALUES
+(
+  'event_reminder_24hr',
+  'Event Reminder - 24 Hours',
+  'events',
+  'Reminder: {{event_title}} is Tomorrow!',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Hi {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">This is a friendly reminder that <strong>{{event_title}}</strong> is happening tomorrow!</p>
+<div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #334155; font-size: 14px; font-weight: 600;">Event Details:</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Date:</strong> {{event_date}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Time:</strong> {{event_time}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Location:</strong> {{event_location}}</p>
+  {{#if guest_count}}
+  <p style="margin: 8px 0 0 0; color: #64748b; font-size: 14px;"><em>You''re bringing {{guest_count}} guest(s)</em></p>
+  {{/if}}
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">We look forward to seeing you there!</p>
+<p style="margin: 0 0 20px 0;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">View Event Details</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 12px;">Can''t make it? Please update your RSVP so we can offer your spot to someone on the waitlist.</p>',
+  'Hi {{first_name}},
+
+This is a friendly reminder that {{event_title}} is happening tomorrow!
+
+Event Details:
+- Date: {{event_date}}
+- Time: {{event_time}}
+- Location: {{event_location}}
+{{#if guest_count}}
+- You''re bringing {{guest_count}} guest(s)
+{{/if}}
+
+We look forward to seeing you there!
+
+View event: {{portal_url}}
+
+Can''t make it? Please update your RSVP so we can offer your spot to someone on the waitlist.',
+  true,
+  true,
+  '{"first_name": "Member first name", "event_title": "Event title", "event_date": "Event date", "event_time": "Event start time", "event_location": "Event location", "guest_count": "Number of guests", "portal_url": "Event URL in portal"}'
+)
+ON CONFLICT (template_key) DO NOTHING;
+
+-- ============================================
+-- VIEW: Events needing reminders
+-- ============================================
+CREATE OR REPLACE VIEW public.events_needing_reminders AS
+SELECT
+  e.id AS event_id,
+  e.title AS event_title,
+  e.start_datetime,
+  e.end_datetime,
+  e.location,
+  e.timezone,
+  r.id AS rsvp_id,
+  r.member_id,
+  r.guest_count,
+  r.status AS rsvp_status,
+  m.first_name,
+  m.last_name,
+  m.email
+FROM public.events e
+JOIN public.event_rsvps r ON r.event_id = e.id
+JOIN public.members m ON m.id = r.member_id
+WHERE
+  -- Event is published
+  e.status = 'published'
+  -- Event starts within 24-25 hours from now (hourly cron window)
+  AND e.start_datetime > NOW()
+  AND e.start_datetime <= NOW() + INTERVAL '25 hours'
+  AND e.start_datetime > NOW() + INTERVAL '23 hours'
+  -- Member has confirmed RSVP
+  AND r.status = 'confirmed'
+  -- No reminder already sent for this event/member
+  AND NOT EXISTS (
+    SELECT 1 FROM public.event_reminder_logs erl
+    WHERE erl.event_id = e.id
+    AND erl.member_id = r.member_id
+    AND erl.reminder_type = '24hr'
+  )
+  -- Member has email
+  AND m.email IS NOT NULL;

supabase/migrations/015_fix_email_template_styling.sql

@@ -0,0 +1,192 @@
+-- Monaco USA Portal 2026 - Fix Email Template Styling
+-- Update all email templates with proper text centering and styling
+
+-- ============================================
+-- UPDATE DUES REMINDER TEMPLATES
+-- ============================================
+
+-- 30 days before due reminder
+UPDATE public.email_templates
+SET body_html = '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">This is a friendly reminder that your Monaco USA membership dues will be due on <strong>{{due_date}}</strong>.</p>
+<div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #334155; font-size: 14px; font-weight: 600;">Payment Details:</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Amount Due:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Due Date:</strong> {{due_date}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Member ID:</strong> {{member_id}}</p>
+</div>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">You can also view your payment status and history in the member portal:</p>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">View My Account</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 14px; text-align: center;">Thank you for being a valued member of Monaco USA!</p>'
+WHERE template_key = 'dues_reminder_30';
+
+-- 7 days before due reminder
+UPDATE public.email_templates
+SET body_html = '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your Monaco USA membership dues will be due in <strong>7 days</strong> on {{due_date}}.</p>
+<div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #92400e; font-size: 14px; font-weight: 600;">Payment Information:</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Due Date:</strong> {{due_date}}</p>
+</div>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 14px; text-align: center;">Questions? Contact us at contact@monacousa.org</p>'
+WHERE template_key = 'dues_reminder_7';
+
+-- 1 day before due reminder
+UPDATE public.email_templates
+SET body_html = '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;"><strong style="color: #dc2626;">Your Monaco USA membership dues are due tomorrow ({{due_date}}).</strong></p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Payment Required:</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+</div>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">To maintain your active membership status and continued access to member benefits, please ensure payment is made by the due date.</p>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #dc2626; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now</a>
+</p>'
+WHERE template_key = 'dues_reminder_1';
+
+-- Overdue notice
+UPDATE public.email_templates
+SET body_html = '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your Monaco USA membership dues are now <strong style="color: #dc2626;">{{days_overdue}} days overdue</strong>.</p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Overdue Payment:</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Original Due Date:</strong> {{due_date}}</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Days Overdue:</strong> {{days_overdue}}</p>
+</div>
+<div style="background: #fffbeb; border: 1px solid #fcd34d; border-radius: 12px; padding: 16px; margin: 0 0 20px 0;">
+  <p style="margin: 0; color: #92400e; font-size: 14px;"><strong>Grace Period:</strong> You have {{grace_days_remaining}} days remaining in your grace period. After this, your membership status will be changed to inactive.</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Please remit payment as soon as possible to maintain your membership benefits.</p>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #dc2626; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now</a>
+</p>'
+WHERE template_key = 'dues_overdue';
+
+-- Grace period warning
+UPDATE public.email_templates
+SET body_html = '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;"><strong style="color: #dc2626;">Your grace period ends in {{grace_days_remaining}} days.</strong></p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your membership dues of <strong>{{amount}}</strong> were due on {{due_date}} and are now {{days_overdue}} days overdue.</p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0; color: #991b1b; font-size: 14px;"><strong>If payment is not received by {{grace_end_date}}, your membership status will automatically change to INACTIVE and you will lose access to member benefits.</strong></p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Please make your payment immediately to avoid interruption:</p>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #dc2626; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Pay Now - Urgent</a>
+</p>'
+WHERE template_key = 'dues_grace_warning';
+
+-- Inactive notice
+UPDATE public.email_templates
+SET body_html = '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Due to non-payment of membership dues, your Monaco USA membership has been marked as <strong style="color: #dc2626;">INACTIVE</strong>.</p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Status Change:</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Previous Status:</strong> Active</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>New Status:</strong> Inactive</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Outstanding Amount:</strong> {{amount}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">As an inactive member, you will no longer have access to:</p>
+<ul style="margin: 0 0 16px 0; padding-left: 20px; color: #334155;">
+  <li>Member-only events</li>
+  <li>Member directory</li>
+  <li>Member communications</li>
+  <li>Voting rights</li>
+</ul>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">To reactivate your membership, please pay your outstanding dues:</p>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Reactivate My Membership</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 14px; text-align: center;">If you believe this is an error or have questions, please contact us at contact@monacousa.org</p>'
+WHERE template_key = 'dues_inactive_notice';
+
+-- ============================================
+-- UPDATE EVENT REMINDER TEMPLATE
+-- ============================================
+UPDATE public.email_templates
+SET body_html = '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Hi {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">This is a friendly reminder that <strong>{{event_title}}</strong> is happening tomorrow!</p>
+<div style="background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #334155; font-size: 14px; font-weight: 600;">Event Details:</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Date:</strong> {{event_date}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Time:</strong> {{event_time}}</p>
+  <p style="margin: 0 0 4px 0; color: #334155; font-size: 14px;"><strong>Location:</strong> {{event_location}}</p>
+  {{#if guest_count}}
+  <p style="margin: 8px 0 0 0; color: #64748b; font-size: 14px;"><em>You''re bringing {{guest_count}} guest(s)</em></p>
+  {{/if}}
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">We look forward to seeing you there!</p>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">View Event Details</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 12px; text-align: center;">Can''t make it? Please update your RSVP so we can offer your spot to someone on the waitlist.</p>'
+WHERE template_key = 'event_reminder_24hr';
+
+-- ============================================
+-- UPDATE RSVP CONFIRMATION TEMPLATE (content-only version)
+-- ============================================
+-- Note: The original is a full HTML template, so we'll create a content-only version
+-- that works with wrapInMonacoTemplate
+
+-- Update waitlist promotion to be content-only with proper styling
+UPDATE public.email_templates
+SET body_html = '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">Great news! A spot has opened up for <strong>{{event_title}}</strong> and you have been moved from the waitlist to confirmed!</p>
+<div style="background: #f8fafc; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #64748b; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px;">Event Details</p>
+  <p style="margin: 0 0 8px 0; color: #334155;"><strong>Date:</strong> {{event_date}}</p>
+  <p style="margin: 0; color: #334155;"><strong>Location:</strong> {{event_location}}</p>
+</div>
+<p style="margin: 0 0 20px 0; color: #334155; line-height: 1.6;">We look forward to seeing you there!</p>
+<p style="margin: 0; color: #334155; text-align: center;">Best regards,<br><strong style="color: #CE1126;">The Monaco USA Team</strong></p>'
+WHERE template_key = 'waitlist_promotion';

supabase/migrations/016_onboarding_payment_tracking.sql

@@ -0,0 +1,237 @@
+-- Monaco USA Portal 2026 - Onboarding Payment Tracking
+-- Track new member payment deadlines for the 30-day payment window
+
+-- ============================================
+-- ADD PAYMENT TRACKING COLUMNS TO MEMBERS
+-- ============================================
+
+-- Payment deadline for new signups (30 days from onboarding completion)
+ALTER TABLE public.members ADD COLUMN IF NOT EXISTS payment_deadline TIMESTAMPTZ;
+
+-- Track when onboarding was completed
+ALTER TABLE public.members ADD COLUMN IF NOT EXISTS onboarding_completed_at TIMESTAMPTZ;
+
+-- Index for efficient reminder queries (only index non-null deadlines)
+CREATE INDEX IF NOT EXISTS idx_members_payment_deadline ON public.members(payment_deadline)
+  WHERE payment_deadline IS NOT NULL;
+
+-- ============================================
+-- ADD ONBOARDING REMINDER TYPES TO LOGS TABLE
+-- ============================================
+
+-- Update the check constraint on dues_reminder_logs to include onboarding types
+ALTER TABLE public.dues_reminder_logs DROP CONSTRAINT IF EXISTS dues_reminder_logs_reminder_type_check;
+ALTER TABLE public.dues_reminder_logs ADD CONSTRAINT dues_reminder_logs_reminder_type_check
+  CHECK (reminder_type IN (
+    'due_soon_30', 'due_soon_7', 'due_soon_1', 'overdue', 'grace_period', 'inactive_notice',
+    'onboarding_welcome', 'onboarding_reminder_7', 'onboarding_reminder_1', 'onboarding_expired'
+  ));
+
+-- ============================================
+-- ADD EMAIL TEMPLATES FOR ONBOARDING REMINDERS
+-- ============================================
+
+-- Welcome email with payment instructions (sent immediately after onboarding)
+INSERT INTO public.email_templates (template_key, template_name, category, subject, body_html, body_text, is_active, is_system, variables_schema) VALUES
+(
+  'onboarding_welcome',
+  'Welcome - Complete Your Membership',
+  'onboarding',
+  'Welcome to Monaco USA - Complete Your Membership',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Welcome to Monaco USA! We''re thrilled to have you join our community of Americans living in and connected to Monaco.</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your account has been created and you now have <strong>30 days</strong> to complete your membership by paying your annual dues.</p>
+<div style="background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #166534; font-size: 14px; font-weight: 600;">Your Membership Details:</p>
+  <p style="margin: 0 0 4px 0; color: #166534; font-size: 14px;"><strong>Member ID:</strong> {{member_id}}</p>
+  <p style="margin: 0 0 4px 0; color: #166534; font-size: 14px;"><strong>Annual Dues:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #166534; font-size: 14px;"><strong>Payment Deadline:</strong> {{payment_deadline}}</p>
+</div>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">In the meantime, explore your new member dashboard and connect with our community:</p>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Go to Dashboard</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 14px; text-align: center;">Questions? Contact us at contact@monacousa.org</p>',
+  'Dear {{first_name}},
+
+Welcome to Monaco USA! We''re thrilled to have you join our community of Americans living in and connected to Monaco.
+
+Your account has been created and you now have 30 days to complete your membership by paying your annual dues.
+
+Your Membership Details:
+- Member ID: {{member_id}}
+- Annual Dues: {{amount}}
+- Payment Deadline: {{payment_deadline}}
+
+Bank Transfer Details:
+- Account Holder: {{account_holder}}
+- Bank: {{bank_name}}
+- IBAN: {{iban}}
+- Reference: {{member_id}}
+
+Visit your dashboard: {{portal_url}}
+
+Questions? Contact us at contact@monacousa.org',
+  true,
+  true,
+  '{"first_name": "Member first name", "member_id": "Member ID", "amount": "Annual dues amount", "payment_deadline": "Payment deadline date", "account_holder": "Bank account holder", "bank_name": "Bank name", "iban": "IBAN number", "portal_url": "Portal URL"}'
+) ON CONFLICT (template_key) DO NOTHING;
+
+-- 7 days left reminder
+INSERT INTO public.email_templates (template_key, template_name, category, subject, body_html, body_text, is_active, is_system, variables_schema) VALUES
+(
+  'onboarding_reminder_7',
+  'Onboarding Reminder - 7 Days Left',
+  'onboarding',
+  '7 Days Left to Complete Your Monaco USA Membership',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">You have <strong style="color: #d97706;">7 days left</strong> to complete your Monaco USA membership by paying your annual dues.</p>
+<div style="background: #fef3c7; border: 1px solid #fcd34d; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #92400e; font-size: 14px; font-weight: 600;">Payment Due:</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #78350f; font-size: 14px;"><strong>Deadline:</strong> {{payment_deadline}}</p>
+</div>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">After the deadline, your account will be marked as inactive and you''ll lose access to member features.</p>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">View My Account</a>
+</p>',
+  'Dear {{first_name}},
+
+You have 7 days left to complete your Monaco USA membership by paying your annual dues.
+
+Payment Due:
+- Amount: {{amount}}
+- Deadline: {{payment_deadline}}
+
+Bank Transfer Details:
+- Account Holder: {{account_holder}}
+- Bank: {{bank_name}}
+- IBAN: {{iban}}
+- Reference: {{member_id}}
+
+After the deadline, your account will be marked as inactive.
+
+Visit: {{portal_url}}',
+  true,
+  true,
+  '{"first_name": "Member first name", "member_id": "Member ID", "amount": "Annual dues amount", "payment_deadline": "Payment deadline date", "account_holder": "Bank account holder", "bank_name": "Bank name", "iban": "IBAN number", "portal_url": "Portal URL"}'
+) ON CONFLICT (template_key) DO NOTHING;
+
+-- Last day reminder (urgent)
+INSERT INTO public.email_templates (template_key, template_name, category, subject, body_html, body_text, is_active, is_system, variables_schema) VALUES
+(
+  'onboarding_reminder_1',
+  'Onboarding Reminder - Last Day',
+  'onboarding',
+  'URGENT: Last Day to Complete Your Monaco USA Membership',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;"><strong style="color: #dc2626;">Today is your last day</strong> to complete your Monaco USA membership payment.</p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Payment Required Today:</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Amount:</strong> {{amount}}</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Deadline:</strong> {{payment_deadline}}</p>
+</div>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #dc2626; line-height: 1.6; font-weight: 600;">If we don''t receive your payment today, your account will be marked as inactive tomorrow.</p>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #dc2626; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Complete Payment Now</a>
+</p>',
+  'Dear {{first_name}},
+
+TODAY IS YOUR LAST DAY to complete your Monaco USA membership payment.
+
+Payment Required Today:
+- Amount: {{amount}}
+- Deadline: {{payment_deadline}}
+
+Bank Transfer Details:
+- Account Holder: {{account_holder}}
+- Bank: {{bank_name}}
+- IBAN: {{iban}}
+- Reference: {{member_id}}
+
+If we don''t receive your payment today, your account will be marked as inactive tomorrow.
+
+Visit: {{portal_url}}',
+  true,
+  true,
+  '{"first_name": "Member first name", "member_id": "Member ID", "amount": "Annual dues amount", "payment_deadline": "Payment deadline date", "account_holder": "Bank account holder", "bank_name": "Bank name", "iban": "IBAN number", "portal_url": "Portal URL"}'
+) ON CONFLICT (template_key) DO NOTHING;
+
+-- Account marked inactive (deadline passed)
+INSERT INTO public.email_templates (template_key, template_name, category, subject, body_html, body_text, is_active, is_system, variables_schema) VALUES
+(
+  'onboarding_expired',
+  'Onboarding Expired - Account Inactive',
+  'onboarding',
+  'Your Monaco USA Account Has Been Marked Inactive',
+  '<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Dear {{first_name}},</p>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">Your 30-day payment window has expired and your Monaco USA account has been marked as <strong style="color: #dc2626;">INACTIVE</strong>.</p>
+<div style="background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #991b1b; font-size: 14px; font-weight: 600;">Account Status:</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Status:</strong> Inactive</p>
+  <p style="margin: 0 0 4px 0; color: #7f1d1d; font-size: 14px;"><strong>Outstanding Amount:</strong> {{amount}}</p>
+</div>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">As an inactive member, you no longer have access to:</p>
+<ul style="margin: 0 0 16px 0; padding-left: 20px; color: #334155;">
+  <li>Member-only events</li>
+  <li>Member directory</li>
+  <li>Member communications</li>
+</ul>
+<p style="margin: 0 0 16px 0; color: #334155; line-height: 1.6;">To reactivate your membership, please complete your dues payment:</p>
+<div style="background: #dbeafe; border: 1px solid #93c5fd; border-radius: 12px; padding: 20px; margin: 0 0 20px 0;">
+  <p style="margin: 0 0 8px 0; color: #1e40af; font-size: 14px; font-weight: 600;">Bank Transfer Details:</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Account Holder:</strong> {{account_holder}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Bank:</strong> {{bank_name}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>IBAN:</strong> {{iban}}</p>
+  <p style="margin: 0 0 4px 0; color: #1e3a8a; font-size: 14px;"><strong>Reference:</strong> {{member_id}}</p>
+</div>
+<p style="margin: 0 0 20px 0; text-align: center;">
+  <a href="{{portal_url}}" style="display: inline-block; background: #CE1126; color: white; padding: 12px 24px; border-radius: 8px; text-decoration: none; font-weight: 600;">Reactivate My Account</a>
+</p>
+<p style="margin: 0; color: #64748b; font-size: 14px; text-align: center;">Questions? Contact us at contact@monacousa.org</p>',
+  'Dear {{first_name}},
+
+Your 30-day payment window has expired and your Monaco USA account has been marked as INACTIVE.
+
+Account Status:
+- Status: Inactive
+- Outstanding Amount: {{amount}}
+
+As an inactive member, you no longer have access to member-only events, directory, and communications.
+
+To reactivate your membership, please pay your dues:
+
+Bank Transfer Details:
+- Account Holder: {{account_holder}}
+- Bank: {{bank_name}}
+- IBAN: {{iban}}
+- Reference: {{member_id}}
+
+Visit: {{portal_url}}
+
+Questions? Contact us at contact@monacousa.org',
+  true,
+  true,
+  '{"first_name": "Member first name", "member_id": "Member ID", "amount": "Annual dues amount", "account_holder": "Bank account holder", "bank_name": "Bank name", "iban": "IBAN number", "portal_url": "Portal URL"}'
+) ON CONFLICT (template_key) DO NOTHING;