Phase 52 validation
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PHP files: 142 (all syntax valid)
Named database constraints: 683
Duplicate named constraints: 0
Phase 52 foreign-key constraints: 25
Phase 52 migration tables: 5
Phase 52 schema marker count: 1
CSS brace balance: 0
Loan-pricing route clauses detected: 14
LoanPricingService literal prepared-statement signatures checked: 39 (passed)
Dynamic waiver-field UPDATE: manually constrained to processing_fee/insurance_fee and reviewed
New-loan route requires pricing disclosure: passed
Accepted pricing snapshot used at disbursement: passed
Grace-period snapshot/checksum/schedule/statement integration: passed
Combined upfront charge < 100% guard: passed
Separate-fee maker-checker and GL posting integration: passed
Deduct-at-disbursement balanced GL integration: passed
Approved-waiver customer-notification disbursement guard: passed
Legacy loan fallback: passed