use modal for guest invite page login
move gift card terms to tou page
add formatNumber method in Utility class
use formatNumber method in old sms
move formatNumber method in SmsService::send
Fix the error in sending Smses
add sendLoanFinalArrearNotification
Refactor Utility::formatNumber
add helper method
sendLoanFinalArrearMail
sendLoanFirstArrearNotification
sendLoanFirstArrearMail
sendLoanMonthlyArrearNotificationToContact
sendLoanMonthlyArrearNotification
Refactor
sendLoanMonthlyArrearMail
fix typo
sendRepaymentReminderTommorow
fix typo
sendRepaymentReminderTommorow mail