niteshandClaude Sonnet 5
ea39c8e82a
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countActiveByClientAndProduct only excluded status 600 (CLOSED), so a client whose prior application for the same product was Withdrawn (400) or Rejected (500) -- both terminal, per CurrentAccount.withdraw()/ reject() -- was still blocked from applying again, same as if that account were genuinely still open. Only 100/200/300 (submitted, approved, active) should collide with a fresh application. Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>