* feat: add operator-granted plans so a workspace can be paid without Stripe, surfaced in the admin panel as a badge, a filter and a card carrying who granted it and why, because the only alternative was writing a fake stripe subscription id into the database
* fix: hold a granted plan beside the paid one rather than over it so a Stripe workspace returns to the plan it pays for when the grant ends, route entitlement lookups through EffectivePlanID, separate a repository failure from an unknown plan, end a grant at local end of day, and drop an index that served no query
