-- Add nullable terms_html rich-text body columns (member-visible, admin-authored)
-- When the column is NULL / empty, the accept-terms UI and server guard are skipped.

ALTER TABLE savings_circles
  ADD COLUMN IF NOT EXISTS terms_html text;

ALTER TABLE investment_opportunities
  ADD COLUMN IF NOT EXISTS terms_html text;

ALTER TABLE lending_templates
  ADD COLUMN IF NOT EXISTS terms_html text;
