- Child/spouse death now auto-completes on creation (no manual "complete" click needed),
  which immediately archives the deceased and deletes their pending/overdue subscription rows
- Child separation (TransferProcessor) now deletes the separated child's unpaid subscription
  rows from the parent's membership when the transfer completes
- Spouse separation also removes their subscription rows
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>