* ci: aggregate test and Terraform as ci-complete
Converted callers emit that check so this repo can leave the ci / ci ruleset.
* ci: add Prettier format and format:check
The autofix prettier preset runs npm run format, and CI fails closed when the tree is unformatted.
- Fix transaction code mapping (475=Cleared, 255=Returned) in fetchBoaTransactions
- Match on customerReference instead of bankReference for check number matching
- Add bank-confirmed protection: CSV cannot override status once bank confirms Cleared
- Add status progression guard: CSV cannot regress status backward in lifecycle
- Cleared status is permanent — cannot be voided, cancelled, or changed
- Enable daily fetchBoaTransactions schedule (9am ET weekdays)
- Add production test script and dry run simulation script
