- New table `waiver_individual_fees` stores fee per person (not per category)
- Board approval screen shows each excess person as a separate card with:
  name, DOB, age, age category, relationship, independent fee type/rate
- Children 25+ flagged with warning and "فصل العضوية" button
- Live JS calculates per-person amounts and updates grand total instantly
- Fee breakdown section shows individual names when individual fees exist
- Fix: /members/{id}/financial → /payments/process/{id} (was 404)
- WaiverProcessor::getExcessIndividuals() identifies the specific excess persons
- WaiverProcessor::saveIndividualFees() persists per-person board decisions
- Age categories expanded: under_12, 12_to_16, 16_to_18, 18_to_25, 25_plus
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>