Lumiere v2.22 — Production Financial Normalization

Changes
- Adds financial_class and insurance/financing/account-credit flags to oryx_payment_receipts using the existing MySQL 5.7-compatible schemaAddColumn helper.
- Payment importer classifies Oryx receipt transactions as patient, insurance, financing, family, credit_adjustment, or other.
- Financing mapping: Cherry, Care Credit/CareCredit, HFD, Proceed, Sunbit, and names containing loan/finance.
- Oryx defaultInsurancePayment takes precedence for insurance classification.
- Dashboard adds Verified Receipt Collections breakdown: Patient Payments, Insurance Payments, Financing Proceeds, Credits/Adjustments, Verified Receipt Total.
- Headline wording no longer implies all receipts are homogeneous net practice collections.
- Does NOT add procedure insurancePortion, insuranceOwing, appliedInsPayment, ERA estimates, balances, or treatment totals to receipt collections.

Deployment order
1. Back up current /lumiere files and database.
2. Replace project files with this package.
3. Run /lumiere/import/install_schema.php once.
4. Run /lumiere/import/import_oryx_payments.php once to backfill/reclassify existing receipts.
5. Open /lumiere/dashboard/ and hard-refresh.

Important
- Existing receipt unique key remains (oryx_patient_id,payment_number). The verified current dataset showed no payment number shared across multiple patients.
- Financing remains INCLUDED in Verified Receipt Total but is separately visible. This is not a statement of the client's final accounting policy.
- Account Credit negative transactions remain visible as adjustments.
- No Oryx mutation endpoints are used.
