fix(clients): pwdCategoryOptions on edit template, minor-age threshold to 18, minor KYC identity-proof bypass

- ClientData.templateOnTop()/templateWithSavingAccountOptions() never copied pwdCategoryOptions
  from the template — the Disability Type dropdown was always empty on the edit-mode GET
  /clients/{id}?template=true call, even though create-time template() had it.
- Raise the minor-detection threshold in ClientKycApiResource from age <10 to <18 (legal
  definition), mirroring the frontend's own rule so the required-documents list served here
  stays consistent.
- ClientKycCommand.validateForInitiate() unconditionally required at least one of
  PAN/Aadhaar/GSTIN, with no awareness of the Birth Certificate/School ID document-type picker
  minors actually use — blocking "Save & Next" on the KYC tab for every minor client. Added a
  skipIdentityDocumentCheck flag, set from client.getIsMinor() at both call sites
  (initiateKyc/initiateKycInline).
- Added Birth Certificate and School ID Card as KYCIdProofType code values — they were already
  offered as document-type options for minors but never existed in the code-value list that
  saveKycDocProof() resolves against, so selecting either silently failed to save any
  identifier/document.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

fineract-core/src/main/java/org/apache/fineract/portfolio/client/data/ClientData.java

@@ -406,6 +406,7 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.degreeQualificationOptions = templateData.degreeQualificationOptions;
         data.religionOptions = templateData.religionOptions;
         data.socialCategoryOptions = templateData.socialCategoryOptions;
+        data.pwdCategoryOptions = templateData.pwdCategoryOptions;
         data.maritalStatus = clientData.maritalStatus;
         data.educationLevel = clientData.educationLevel;
         data.degreeQualification = clientData.degreeQualification;
@@ -467,6 +468,7 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.degreeQualificationOptions = clientData.degreeQualificationOptions;
         data.religionOptions = clientData.religionOptions;
         data.socialCategoryOptions = clientData.socialCategoryOptions;
+        data.pwdCategoryOptions = clientData.pwdCategoryOptions;
         data.maritalStatus = clientData.maritalStatus;
         data.educationLevel = clientData.educationLevel;
         data.degreeQualification = clientData.degreeQualification;