- ProgramForm defaults: billing_cycle='monthly', billing_day=1
- PricingService.findBasePrice now resolves correct base price by
  participant.membership_type (member → member price, else → non_member price)
- Resolution order: branch+membership > branch+any > global+membership > global
- NULL membership_type defaults to non_member pricing
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>