STEP 5 - watch time, monetization, earnings, withdrawals, studio
1. Extract into the same folder as steps 2-4 (overwrite). config.php not included.
2. phpMyAdmin -> Import schema_step5.sql ONCE (it alters tables; running it twice gives a harmless 'duplicate' error).
3. Until the admin panel (step 7) exists, approve a monetization application manually:
   UPDATE monetization_applications SET status='approved' WHERE id=APP_ID;
   UPDATE users SET is_monetized=1 WHERE id=USER_ID;
   Approve a withdrawal after you pay it:  UPDATE withdrawals SET status='paid' WHERE id=ID;
   Reject (refund):  UPDATE withdrawals SET status='rejected' WHERE id=ID;  UPDATE users SET balance=balance+AMOUNT WHERE id=USER_ID;
   For testing lower the targets:
   UPDATE settings SET svalue='1' WHERE skey IN ('monetization_min_subscribers','monetization_min_watch_hours');
