Separate TCPA disclosure from SMS marketing opt-in in QuoteForms consent block

The consent-to-text element in QuoteForms conflated two legally distinct things: TCPA compliance disclosure (informational, always required) and SMS marketing opt-in (voluntary). This created compliance risk — TCPA requires that consent not be a condition of obtaining a quote, and a required checkbox mixing both signals muddied that. This PR resolves it by separating them.