* feat(apphome): surface returned payments as a needs-action queue
Bank-returned payments carry status "Cleared" (the CSV ladder has no
Returned rung), so the status skip-list hid them from every App Home
bucket; five Feb-Apr returns ($5,256.62) surfaced only via a manual
statement reconciliation. Route on clear_status ahead of the status
skip-list: non-canceled Returned records render in an always-visible
action queue (oldest return first) plus a summary tile, and are
excluded from Outstanding totals. Terminal voided-and-bounced records
stay out of both (audit trail only). Membership keys off clear_status,
not returned_date, so redeposited checks drop back out of the queue.
Refs: #70
* docs(apphome): restore returned-queue README bullet dropped in rebase
