fix: tenant-config fixes, cashier/share/savings UI bugs, and menu-access hardcoding

- Add Balance Sheet report and disabled-features accounting config
- Point menu-access tenant header and env.js/environment.ts tenant identifier
  at env config instead of hardcoded 'default'/'lincpay' literals
- Surface the real backend error (not a generic "no reference id") when an
  OTP send fails in contact-otp-block
- Fix branch-day "₹null" display bug (null vs undefined) and add a guard
  blocking a branch's first-ever day open before cash denomination migration
- Dynamically size the denomination count input and block re-opening an
  already-open business day from Migrate Cash Denomination
- Lock the denomination-managed cash GL row in Migrate Opening Balances
  (read-only, with a link back to Migrate Cash Denomination)
- Remove duplicate Cancel/Submit action bars on the Share Product and
  Savings Account creation preview steps; align Previous into the same row
- Hide "Apply Collection" on a share account once its advance collection
  is already settled (further purchases go through Apply Additional Shares)

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

src/app/organization/institution-profile/institution-profile.component.html

@@ -275,9 +275,12 @@
               <a [routerLink]="['/bank-calendar']" class="ip-reflink"
                 ><i class="fas fa-calendar-check"></i> Holiday Calendar</a
               >
-              <a [routerLink]="['/accounting/closing-entries']" class="ip-reflink"
-                ><i class="fas fa-calendar-day"></i> Financial Year / Closing Entries</a
-              >
+              <!-- Closing Entries — hidden while disabled, see accounting/disabled-features.ts -->
+              @if (!disabledFeatures.closingEntries) {
+                <a [routerLink]="['/accounting/closing-entries']" class="ip-reflink"
+                  ><i class="fas fa-calendar-day"></i> Financial Year / Closing Entries</a
+                >
+              }
               <a [routerLink]="['/branch-ops/day-register']" class="ip-reflink"
                 ><i class="fas fa-clock"></i> Business Date (Day Register)</a
               >

src/app/organization/institution-profile/institution-profile.component.ts

@@ -12,6 +12,7 @@ import { catchError, of } from 'rxjs';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { OrganizationService } from '../organization.service';
 import { SettingsService } from 'app/settings/settings.service';
+import { DISABLED_ACCOUNTING_FEATURES } from '../../accounting/disabled-features';
 
 const BANK_TYPES = [
   { value: 'COOPERATIVE', label: 'Co-operative Bank' },
@@ -63,6 +64,8 @@ export class InstitutionProfileComponent implements OnInit {
   private organizationService = inject(OrganizationService);
   private settingsService = inject(SettingsService);
 
+  /** Accounting features switched off for this installation — see accounting/disabled-features.ts. */
+  disabledFeatures = DISABLED_ACCOUNTING_FEATURES;
   bankTypes = BANK_TYPES;
   ownershipTypes = OWNERSHIP_TYPES;
   licenseStatuses = LICENSE_STATUSES;