1. Subscriptions now marked as paid: after waiver completes, sync
   subscriptions for target member and mark current FY as paid since
   the fee was already collected in the waiver payment.

2. Membership date: set created_at to today on waiver completion so the
   member profile shows the actual membership start date.

3. Total paid shows correctly: BillingService now recognizes
   activated_by_payment_id as proof that form_fee and membership_fee
   are paid (covers waiver_fee and separation_fee payment types).

4. Waiver list shows names: fix $r['member_name'] → $r['source_name']
   to match the SQL alias from WaiverRequest::search().
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>