Business rule fixes per ticket #68:

1. Spouse/child fee percentages now use CURRENT membership value from
   pricing_configs (150k/225k/300k) instead of old stored value at creation

2. Spouse annual subscription = 492 (SVC_ANNUAL_SPOUSE) WITHOUT dev fee
   Was incorrectly using child rate (222) + dev fee (35) = 257

3. Child/temp annual subscription = 222 WITHOUT dev fee
   Was incorrectly adding 35 dev fee = 257

4. Late marriage penalty: now calculated from LATER of (marriage_date,
   member_activated_at) to TODAY — not from marriage to member creation

5. SubscriptionGenerator batch: spouse/child/temp subscriptions no longer
   include development_fee (set to 0.00). Only member keeps dev fee.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>