Add phone login support and member import functionality

Features:
- Support login via phone number or email (LoginRequest)
- Add members:import-roster command for Excel roster import
- Merge survey emails with roster data

Code Quality (Phase 1-4):
- Add database locking for balance calculation
- Add self-approval checks for finance workflow
- Create service layer (FinanceDocumentApprovalService, PaymentVerificationService)
- Add HasAccountingEntries and HasApprovalWorkflow traits
- Create FormRequest classes for validation
- Add status-badge component
- Define authorization gates in AuthServiceProvider
- Add accounting config file

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

app/Http/Requests/StoreMemberRequest.php

@@ -0,0 +1,53 @@
+<?php
+
+namespace App\Http\Requests;
+
+use Illuminate\Foundation\Http\FormRequest;
+
+class StoreMemberRequest extends FormRequest
+{
+    /**
+     * Determine if the user is authorized to make this request.
+     */
+    public function authorize(): bool
+    {
+        return $this->user()->can('create_members') || $this->user()->hasRole('admin');
+    }
+
+    /**
+     * Get the validation rules that apply to the request.
+     *
+     * @return array<string, \Illuminate\Contracts\Validation\ValidationRule|array<mixed>|string>
+     */
+    public function rules(): array
+    {
+        return [
+            'full_name' => ['required', 'string', 'max:255'],
+            'email' => ['required', 'email', 'max:255', 'unique:users,email'],
+            'national_id' => ['nullable', 'string', 'max:50'],
+            'phone' => ['nullable', 'string', 'max:50'],
+            'address_line_1' => ['nullable', 'string', 'max:255'],
+            'address_line_2' => ['nullable', 'string', 'max:255'],
+            'city' => ['nullable', 'string', 'max:120'],
+            'postal_code' => ['nullable', 'string', 'max:20'],
+            'emergency_contact_name' => ['nullable', 'string', 'max:255'],
+            'emergency_contact_phone' => ['nullable', 'string', 'max:50'],
+            'membership_started_at' => ['nullable', 'date'],
+            'membership_expires_at' => ['nullable', 'date', 'after_or_equal:membership_started_at'],
+        ];
+    }
+
+    /**
+     * Get custom messages for validator errors.
+     */
+    public function messages(): array
+    {
+        return [
+            'full_name.required' => __('Full name is required.'),
+            'email.required' => __('Email is required.'),
+            'email.email' => __('Please enter a valid email address.'),
+            'email.unique' => __('This email is already registered.'),
+            'membership_expires_at.after_or_equal' => __('Expiry date must be after or equal to start date.'),
+        ];
+    }
+}