Bring in the latest team changes (FD interest posting approval, recurring deposit rules, tenant setup, cash exchange PAN, and others). final-changelog-tenant.xml conflicted because both sides appended includes: keep the team's includes first, then the investment 0593-0597 includes. File names differ, so the changesets do not clash. Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>