- SeparationFeeCalculator: handle NULL qualification_id with fallback
  pricing lookup, use actual membership_type instead of hardcoded 'working'
- SeparationFeeCalculator companion surcharge: use current pricing_configs
  instead of stale member.membership_value
- SubscriptionGeneratorJob: set development_fee=0.00 for spouse/child/temp
  (matching SubscriptionGenerator service that was already fixed)
- RetroactiveMembershipService: default dev fee to 0.00 for non-member types
- RetroactiveWizardController: same default logic for missing form fields
- Retroactive wizard JS: generate 0.00 dev fee for dependent subscriptions
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>