Per bylaws clarification: children transferred during divorce separation move
without fees. Age-based fees (15%/20%/25%/30%) apply only when the new
independent member adds NEW children after the separation is complete.

- Removed child fee calculation from boardApprove flow
- Children selection is now transfer-only (no fee columns)
- Updated fee preview JS to exclude child fees
- Fee breakdown shows "transferred without fees" for moved children
- Total = percentage_fee + form_fee (570) + annual_subscription only
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>