- validateCashierHasMorningTransfer() blocks deposits & withdrawals when no today's cash transfer received - validatePreviousDayClosed() blocks all transactions when previous day unsettled - morningTransferReceived field added to cashier-day-status API response - Warning banners shown in Savings, Current, FD, RD transaction forms - Submit button disabled when either condition is active - getCashierTotalCash SQL fixed: dm.denomination_value -> dm.denomination Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>