[future-of-pm] Implement Paw Points Loyalty Program with Rewards and Tiers

## ✨ Feature Request — Phase 2 ### Problem Statement OctoCAT Supply has no loyalty or retention program. Chewy's loyalty features drove $11.15B revenue (2023). In B2B, SAP's incentive management and reward tracking are standard features. There's no mechanism to reward repeat purchases or incentivize larger orders. ### Proposed Solution Implement a "Paw Points" loyalty rewards program where users earn points on purchases and redeem them for discounts. ### Data Model ```typescript interface LoyaltyAccount { accountId: number; branchId: number; totalPoints: number; lifetimePoints: number; tier: 'bronze' | 'silver' | 'gold' | 'platinum'; history: LoyaltyTransaction[]; } interface LoyaltyTransaction { transactionId: number; type: 'earn' | 'redeem' | 'expire' | 'bonus'; points: number; orderId?: number; description: string; createdAt: string; } ``` ### Tier Structure | Tier | Lifetime Points | Benefits | |------|-----------------|----------| | Bronze | 0-999 | 1