perf(settlement,rating): paginate 3 unbounded list endpoints (M10-M12)

- M10 GET /settlement: was unbounded; add page/limit + countByUser + data.meta.
- M11 GET /admin/comments/pending: paginate findPending + countPending.
- M12 GET /comments/{doctor}: paginate the fetch-joined roots query via
  Paginator(fetchJoinCollection) + countApprovedRootsByDoctor.

All keep the existing { data: { data: [...] } } envelope and add data.meta
(backward compatible). Default limit 50 / max 100.

Regressions: SettlementListPaginationTest, CommentPaginationTest (both fail
without the limits). Also de-flaked SendCodeMobileRateLimitTest (randomised the
IP block so the persistent per-IP limiter buckets don't accumulate across runs).

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

docs/api/rating.md

@@ -184,6 +184,8 @@ Get approved **root** comments for a doctor (replies are nested under each root
 
 **Permission:** `PUBLIC`
 
+> **صفحه‌بندی:** `?page` و `?limit` (پیش‌فرض ۵۰، حداکثر ۱۰۰)؛ پاسخ شامل `data.meta` (`totalRecords`/`totalPages`/`currentPage`) است. آرایه‌ی نظرات همچنان در `data.data` است. همین صفحه‌بندی روی `GET /api/v1/admin/comments/pending` هم اعمال می‌شود.
+
 ### Path Parameters
 | Param | Type | Description |
 |-------|------|-------------|