feat(loan-origination): product type, income/co-borrower affordability, bank statement & CIC analysis, richer Field Investigation, and meeting-scheduled Personal Discussion

- New Application: add Product Type (Term Loan/Overdraft) driven by product eligibility.
- KYC: 3-year ITR capture with exceptions, product-specific document checklists with officer-added
  custom docs, Housing Loan co-owner Aadhaar/PAN capture+verify in a popup dialog.
- Income & Affordability: editable income/amount/tenure with product bounds validation, 40% EMI
  rule, and a full co-borrower flow (relationship, salary slips, combined-income eligibility).
- Bank Statement upload auto-opens a full CSV-driven cash-flow/FOIR/risk analysis dialog.
- CIC report upload auto-opens a bureau-style credit report analysis (score gauge, accounts,
  DPD history, enquiries) generated from the application's own credit score.
- Field Investigation reworked into per-address cards (Home/Office/Property/Shop) with officer
  assignment, 48-hour SLA tracking, GPS + multi-photo capture, verify/reject with remarks, a
  full-detail popup, real Fineract addresses for existing clients, and a calculated property
  valuation (market/guideline/realizable value, LTV).
- Personal Discussion: meeting scheduler (date/time/mode/officer) gating the discussion report,
  plus a full Application Summary Report PDF (KYC, CIC, FI, valuation, stage history) for the
  meeting.

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

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

@@ -297,12 +297,20 @@
         </label>
         <label class="inv-form-field">
           <span>* Product</span>
-          <select [(ngModel)]="newApp.productCode">
+          <select [(ngModel)]="newApp.productCode" (ngModelChange)="onProductChange()">
             @for (p of products; track p.code) {
               <option [value]="p.code">{{ p.name }}</option>
             }
           </select>
         </label>
+        <label class="inv-form-field">
+          <span>* Product Type</span>
+          <select [(ngModel)]="newApp.productType">
+            @for (t of newAppProductTypeOptions; track t) {
+              <option [value]="t">{{ productTypeLabels[t] }}</option>
+            }
+          </select>
+        </label>
         <label class="inv-form-field">
           <span>* Requested Amount</span>
           <input type="number" [(ngModel)]="newApp.requestedAmount" placeholder="₹" />