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Empty pr#791

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Jumongweb wants to merge 4 commits into
Remitwise-Org:mainfrom
Jumongweb:emptyPr
Closed

Empty pr#791
Jumongweb wants to merge 4 commits into
Remitwise-Org:mainfrom
Jumongweb:emptyPr

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@Jumongweb

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closes #783
I am making this empty PR because the system is not picking issue 783 as in review. i made the changes together in a single branch. Below are the changes for this particular issue which are in the first pr.

Added the bootstrap-guard suite in insurance/src/test.rs, wired it into insurance/src/lib.rs, and documented the behavior in docs/insurance-bootstrap-guards.md.
The contract now also matches the requested safe pre-init read behavior: get_policy returns None, get_active_policies returns an empty page, and get_total_monthly_premium returns 0 before init. The tests cover single-shot init, pre-init rejection for every mutator, current init auth behavior, and post-init owner-only privilege enforcement.
Verification:
cargo test -p insurance --lib -- --nocapture passed
cargo clippy -p insurance --lib -- -D warnings passed
I also checked the package-wide command. cargo test -p insurance -- --nocapture is still failing, but from pre-existing stale integration tests under insurance/tests/ that reference APIs and constants this contract no longer exposes, not from the new bootstrap work.

@Baskarayelu

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this is the same bundled branch as #790 (near-identical diff, same files) which i just merged, so closing this one as the dup. thanks @Jumongweb - and no worries about the issue-tracking hiccup 🙏

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Reporting: add FamilySpendingReport aggregation correctness tests with per-member breakdown and DataAvailability

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