News and NewsPhoto (team-tagged instead of categorised, one photo taggable
as main via a partial unique constraint), gated per club/services/access.py:
any current-season coach_manager, EDITOR, or ADMIN can draft and edit a news
item; only EDITOR/ADMIN can publish it, or edit it once it's live. Publishing
takes a date so it can be scheduled ahead of time rather than only right now.
Authoring/release only for now -- no member-facing reading page or public API
yet, the visibility field (internal/external/both) is there for when those land.
Gives clubs a self-service /manage/ area for members, families, teams,
roles, and season memberships, alongside real fee-payment tracking
(FeePayment, record_payment/mark_as_paid/remaining_balance) so a
membership's paid status reflects actual money received instead of a
single manually-set flag.
