feat(loan-origination): RBI compliance checklist, real client integration, and CIC consent/charge flows

- Add standalone RBI Eligibility Checklist and RBI Rules Reference pages (11 real RBI-circular
  based rules: age-at-maturity, area of operation, PSL, director/related-party, wilful defaulter,
  exposure norms, LTV/margin, fair practices code, prepayment charges, own-shares security,
  insurance bundling), wired into the Loan Origination menu.
- Bridge the mock Loan Origination Pipeline to real Fineract data wherever an application is
  raised against a real Existing Customer: client search in the pipeline intake form, real Share
  Member accounts (with a details popup), and real KYC (Aadhaar/PAN verified status + masked
  numbers + document image view, generic document lookup for Income Proof/Bank Statement/
  Electricity Bill) on the Application Detail page.
- Add local-only capture UI for New Customer / no-account applications: front/back document
  images with crop + simulated Aadhaar OTP / PAN verification, employment-type-aware income proof,
  and an expiry-validated electricity bill upload.
- Add an EMI Calculation Basis breakdown (principal, rate, tenure, total interest/payable, and the
  substituted reducing-balance formula) to the KYC stage's income assessment.
- Add a CIC/Credit Bureau Check consent flow: a generated declaration letter (print for Branch,
  share for BC/Self-Apply), gated on the signed copy being uploaded before the credit score can be
  checked, plus a CIC check charge collected either by debiting a real linked account or via a
  mock payment-link flow for customers with none.
- Let the stage stepper jump directly to any already-reached stage (forward or backward) via a new
  furthestStageIndex, without losing any data already recorded on the application.

src/app/loan-origination/loan-pipeline/loan-pipeline.component.html

@@ -256,15 +256,37 @@
         }
         <label class="inv-form-field">
           <span>* Customer Type</span>
-          <select [(ngModel)]="newApp.customerType">
+          <select [(ngModel)]="newApp.customerType" (ngModelChange)="onCustomerTypeChange()">
             <option value="NEW">New Customer</option>
             <option value="EXISTING">Existing Customer</option>
           </select>
         </label>
-        <label class="inv-form-field">
-          <span>* Applicant Name</span>
-          <input type="text" [(ngModel)]="newApp.applicantName" placeholder="Full name" />
-        </label>
+        @if (newApp.customerType === 'EXISTING') {
+          @if (!newApp.clientId) {
+            <label class="inv-form-field">
+              <span>* Search Existing Client</span>
+              <input
+                type="text"
+                [(ngModel)]="existingClientSearchText"
+                (ngModelChange)="onExistingClientSearch($event)"
+                placeholder="Name, account no., mobile..."
+              />
+            </label>
+          } @else {
+            <label class="inv-form-field">
+              <span>* Applicant</span>
+              <div class="loi-selected-client">
+                <span>{{ newApp.applicantName }}</span>
+                <button type="button" class="pg-btn" (click)="clearExistingClient()">Change</button>
+              </div>
+            </label>
+          }
+        } @else {
+          <label class="inv-form-field">
+            <span>* Applicant Name</span>
+            <input type="text" [(ngModel)]="newApp.applicantName" placeholder="Full name" />
+          </label>
+        }
         <label class="inv-form-field">
           <span>* Branch</span>
           <select [(ngModel)]="newApp.branchCode" [disabled]="!isHeadOffice">
@@ -290,6 +312,25 @@
           <input type="number" [(ngModel)]="newApp.tenureMonths" placeholder="e.g. 36" />
         </label>
       </div>
+
+      @if (newApp.customerType === 'EXISTING' && !newApp.clientId) {
+        @if (searchingExistingClient) {
+          <p class="loi-search-hint">Searching…</p>
+        } @else if (existingClientSearchText.length >= 2 && existingClientSearchResults.length === 0) {
+          <p class="loi-search-hint">No clients found.</p>
+        }
+        @if (existingClientSearchResults.length > 0) {
+          <div class="loi-search-results">
+            @for (client of existingClientSearchResults; track client.id) {
+              <button type="button" class="loi-search-row" (click)="selectExistingClient(client)">
+                <span class="loi-search-name">{{ client.displayName }}</span>
+                <span class="loi-search-meta">{{ client.accountNo ?? client.officeName ?? '' }}</span>
+              </button>
+            }
+          </div>
+        }
+      }
+
       <div class="inv-form-actions">
         <button type="button" class="pg-btn pg-btn--primary" (click)="saveNewApplication()">Submit Application</button>
       </div>