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* feat(billing): purchase seats from full invite flow * fix(billing): harden full-capacity invite flow * fix(billing): explain overcommit with cloud seat occupancy Cloud refuses a reserve on used + reserved, but the overcommit toast filled members_over_capacity_description with the product member count. The most common trigger is a first ledger snapshot whose members alone still fit inside the purchased seats, so the message read "3 members but only 3 purchased seats" and did not explain the rejection. Add occupancy_over_capacity_description, which names occupied seats, purchased seats, members and pending invitations, and feed it from the Cloud summary. members_over_capacity_description stays as-is: the billing tab banner is genuinely member-count driven.