Fix repayments that overcharged, and act on the first Frontier playtest

A debt repayment took its whole instalment even when less was owed: four
dollars owed at the store cost twenty. Content could not express "pay what is
owed", so an add effect's amount may now be read from state, with a cap. Five
repayments across both packs use it, and a conformance test holds every pack to
it. The turn record now says which options were hidden, so the analyser stops
counting doors nobody saw, and it reads only feedback logs.

From the same session: wages are labelled as wages, a clamped change says where
it stopped, two unreadable option labels are rewritten, the sale barn no longer
offers what the player already owns, Ward hints at what the promotion waits for,
and the office has five more events. DECISIONS #38-40.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01C6UDQ9o6L6Ey173U7XVou6

content/frontier/events/routine.js

@@ -243,7 +243,7 @@ export const routine = [
       },
       {
         id: 'stay_out',
-        label: 'Have no view on the axle.',
+        label: 'Stay out of it, and take neither side about the axle.',
         result: 'Both of them decide, separately, that you are no use to them.',
         effects: [
           { path: 'relationships.dutch.trusts_you', op: 'add', value: -4 },
@@ -298,7 +298,7 @@ export const routine = [
       },
       {
         id: 'pay_down',
-        label: 'Put money against the book.',
+        label: 'Pay the book down, up to twenty dollars.',
         // Hidden rather than greyed out when there is nothing owed. A locked
         // door is worth showing when it is a door the player could open later
         // by playing differently; "pay down what you owe" shown to a man who
@@ -310,9 +310,13 @@ export const routine = [
           { path: 'money', op: '>=', value: 20 },
         ],
         result: 'He crosses a line through it and turns the page back over.',
+        // What is owed, up to twenty, and never more. A flat -20 against a
+        // four-dollar balance took sixteen dollars for nothing in a real
+        // session. Money comes first: both effects read `owed` before it moves.
+        // See DECISIONS #38.
         effects: [
-          { path: 'money', op: 'add', value: -20 },
-          { path: 'owed', op: 'add', value: -20 },
+          { path: 'money', op: 'add', value: { from: 'owed', times: -1, cap: 20 } },
+          { path: 'owed', op: 'add', value: { from: 'owed', times: -1, cap: 20 } },
           { path: 'standing', op: 'add', value: 2 },
         ],
       },