Billing rework

src/types/index.ts

@@ -312,6 +312,13 @@ export interface OnboardingInput {
   soulMd?: string;
   agentsMd?: string;
   packages?: string[];
-  billingAddress: BillingAddress;
+  /**
+   * Bug 35: optional at the type level because the wizard skips the
+   * billing step entirely when the org already has an `org_billing`
+   * record. The onboarding API enforces "billing must be resolved by
+   * the end" — either from `org_billing` lookup or from this field —
+   * via runtime checks; the type just allows both paths.
+   */
+  billingAddress?: BillingAddress;
   billingNotes?: string;
 }