feat(csat): Add WhatsApp utility template analyzer with rewrite guidance (#13575)

CSAT templates for WhatsApp are submitted as Utility, but Meta may
reclassify them as Marketing based on content, which can significantly
increase messaging costs.
This PR introduces a Captain-powered CSAT template analyzer for
WhatsApp/Twilio WhatsApp that predicts utility fit, explains likely
risks, and suggests safer rewrites before submission. The flow is manual
(button-triggered), Captain-gated, and applies rewrites only on explicit
user action. It also updates UX copy to clearly set expectations: the
system submits as Utility, Meta makes the final categorization decision.

Fixes
https://linear.app/chatwoot/issue/CW-6424/ai-powered-whatsapp-template-classifier-for-csat-submissions


https://github.com/user-attachments/assets/8fd1d6db-2f91-447c-9771-3de271b16fd9

spec/lib/captain/csat_utility_analysis_service_spec.rb

@@ -0,0 +1,24 @@
+require 'rails_helper'
+
+RSpec.describe Captain::CsatUtilityAnalysisService do
+  let(:account) { create(:account) }
+  let(:service) { described_class.new(account: account, message: 'Test message', language: 'en', baseline: {}) }
+
+  describe '#perform' do
+    before do
+      allow(account).to receive(:feature_enabled?).and_call_original
+      allow(account).to receive(:feature_enabled?).with('captain_tasks').and_return(true)
+      allow(service).to receive(:make_api_call).and_return({
+                                                             message: '{"classification":"LIKELY_UTILITY","optimized_message":"Utility-safe message"}'
+                                                           })
+    end
+
+    it 'returns parsed payload and preserves raw message for usage metering' do
+      result = service.perform
+
+      expect(result[:classification]).to eq('LIKELY_UTILITY')
+      expect(result[:optimized_message]).to eq('Utility-safe message')
+      expect(result[:message]).to eq('{"classification":"LIKELY_UTILITY","optimized_message":"Utility-safe message"}')
+    end
+  end
+end