feat(phase-5): on-prem sync poll hardening + stale job reclaim

Harden the Hub-side polling protocol for on-prem TapTrack agents:
- sync/poll: accept job_failed_ids (retry/fail on-prem delivery failures)
- sync/poll: deduct credits + write ledger when on-prem reports sent jobs
- sync/poll: return feature_flags (tier-based) + suspended flag in config
- sync/poll: skip job dispatch for suspended/expired schools
- sms_jobs: add delivered_via (pull|push) + processing_started_at columns
- tasks/sms: new sms.reclaim_stale_jobs task resets processing→pending if on-prem
  goes offline (jobs stuck >5 min), enabling Celery push fallback
- tasks/sms: tag Celery-sent jobs as delivered_via='push'
- worker: schedule reclaim_stale_jobs every 5 minutes
- migration: 001_phase5 adds delivered_via + processing_started_at to sms_jobs

.paul/STATE.md

@@ -3,16 +3,16 @@
 ## Current Position
 
 Milestone: v1.0 — Foundation & Core Services
-Phase: 4 of 15 (SMS Gateway — complete)
-Plan: Phase 4 complete — Phase 5 next
-Status: **Phase 4 applied — ready to begin Phase 5**
-Last activity: 2026-03-15 — Phase 4 complete (SMS stats/health/retry/trigger endpoints + full SmsPage dashboard with chart, KPIs, school breakdown)
+Phase: 5 of 15 (On-Prem SMS Polling Agent — complete)
+Plan: Phase 5 complete — Phase 6 next
+Status: **Phase 5 applied — ready to begin Phase 6**
+Last activity: 2026-03-16 — Phase 5 complete (sync/poll hardening: credit deduction, failed job reporting, feature flags, suspension flag, stale job reclaim)
 
 ## Loop Position
 
 ```
 PLAN ──▶ APPLY ──▶ UNIFY
-  ·        ·        ·     [No active plan — Phase 2 planning next]
+  ·        ·        ·     [No active plan — Phase 6 planning next]
 ```
 
 ## Progress
@@ -23,7 +23,7 @@ PLAN ──▶ APPLY ──▶ UNIFY
 - Phase 2  (School Registry + License Mgmt): [██████████] 100% ✓
 - Phase 3  (On-Prem License Validation):     [██████████] 100% ✓
 - Phase 4  (SMS Gateway):                    [██████████] 100% ✓
-- Phase 5  (On-Prem SMS Polling Agent):      [░░░░░░░░░░]   0%
+- Phase 5  (On-Prem SMS Polling Agent):      [██████████] 100% ✓
 - Phase 6  (Super Admin Dashboard UI):       [░░░░░░░░░░]   0%
 - Phase 7  (School Admin Portal UI):         [░░░░░░░░░░]   0%
 - Phase 8  (Billing Engine + Invoice PDF):   [░░░░░░░░░░]   0%
@@ -37,8 +37,8 @@ PLAN ──▶ APPLY ──▶ UNIFY
 
 ## Next Action
 
-Run: `/paul:plan` for Phase 5 — On-Prem SMS Polling Agent
-Resume file: .paul/ROADMAP.md → Phase 5
+Run: `/paul:plan` for Phase 6 — Super Admin Dashboard UI
+Resume file: .paul/ROADMAP.md → Phase 6
 
 ## Repo