1. Debt check now covers ALL financial types: subscriptions, fines, installments,
   payment requests, unpaid sales, and seasonal memberships — for member + all dependents.
2. Board approval screen shows ALL target dependents (not just excess) with full details
   (name, age, DOB, category, within-allowance flag). Board decides per-person fees independently.
3. Receipt/payment request includes per-individual itemized breakdown with calculation
   method, person type, age category — stored as structured JSON for audit trail.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>