Added tests for two untested money-critical services:
- paymentAccountingService: bank-backed predicate, accounting-active SQL, and
the manual-vs-bank override invariant (bank overrides provisional manual so
it isn't double-counted; balance restored; manual reactivates + re-applies
balance when the override is removed).
- analyticsService: month-window math (year-boundary + leap edges) and
validateSummaryQuery defaults/range errors.
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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