Fix retroactive wizard: never set paid_amount for non-paid status
The elseif branch accepted form's paid_amount even when status was
'overdue', causing paid_amount to equal total_amount without a payment
record. This made fine calculator see unpaid=0 and skip the year.
Now only status='paid' sets paid_amount; all other statuses get 0.
Co-Authored-By:
Claude Opus 4.6 <noreply@anthropic.com>
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