Steps 8-15: consistency pass — subheading, spacing, dividers, Link atom

- CrematoriumStep: body1 subheading, mb:5, section dividers between questions
- CemeteryStep, CoffinDetailsStep, AdditionalServicesStep, SummaryStep: mb:5
- CoffinDetailsStep: body1 subheading
- PaymentStep: mb:5, Link atom for terms links (replaces Box component=a)
- ConfirmationStep: Link atom for phone number

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

src/components/pages/CemeteryStep/CemeteryStep.tsx

@@ -150,7 +150,7 @@ export const CemeteryStep: React.FC<CemeteryStepProps> = ({
         Cemetery
       </Typography>
 
-      <Typography variant="body1" color="text.secondary" sx={{ mb: 4 }}>
+      <Typography variant="body1" color="text.secondary" sx={{ mb: 5 }}>
         {isPrePlanning
           ? "If you haven't decided on a cemetery yet, the funeral provider can help with this later."
           : 'Choose where the burial will take place.'}