Add draft-only invoicing rules, send reminders, and time clock billing.

Restrict line item edits to draft invoices, auto-create drafts on clock-out,
and add sendReminderAt scheduling with dashboard due reminders.

Co-authored-by: Cursor <cursoragent@cursor.com>

src/components/time-clock/time-clock-panel.tsx

@@ -134,7 +134,7 @@ export function TimeClockPanel({
     invoicePrefix: string | null;
     invoiceNumber: string;
     status: string;
-  }) => `${inv.invoicePrefix ?? "#"}${inv.invoiceNumber} (${inv.status})`;
+  }) => `${inv.invoicePrefix ?? "#"}${inv.invoiceNumber}`;
 
   const displayDescription = running ? running.description : description;
   const displayRate = running ? (running.rate ?? 0) : rate;