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

test/conformance.test.js

@@ -132,6 +132,35 @@ for (const pack of packs) {
     assert.deepEqual(trapped, [], 'events whose every option is gated');
   });
 
+  test(`${where} no repayment can take more than is owed`, () => {
+    // A fixed instalment against a smaller balance takes money for a debt that
+    // does not exist; the Frontier's store did it to a real player. A balance
+    // is any money-formatted stat other than money itself. An option that pays
+    // one down with money must read the amount from the balance, or be gated
+    // on the balance covering the whole instalment. See DECISIONS #38.
+    const balances = Object.entries(pack.display ?? {})
+      .filter(([path, rule]) => rule.format === 'money' && path !== 'money')
+      .map(([path]) => path);
+    const overcharging = [];
+    for (const event of pack.events) {
+      for (const option of event.options ?? []) {
+        const effects = option.effects ?? [];
+        const spends = effects.some((e) => e.path === 'money' && e.op === 'add'
+          && (typeof e.value === 'number' ? e.value < 0 : (e.value?.times ?? 1) < 0));
+        if (!spends) continue;
+        for (const e of effects) {
+          if (!balances.includes(e.path) || e.op !== 'add') continue;
+          if (typeof e.value !== 'number' || e.value >= 0) continue;
+          const covered = (option.requires ?? [])
+            .some((r) => r.path === e.path && r.op === '>=' && r.value >= -e.value);
+          if (!covered) overcharging.push(`${event.id}.${option.id} (${e.path} ${e.value})`);
+        }
+      }
+    }
+    assert.ok(balances.length > 0 || pack.display === undefined, 'a pack with a balance should declare it as money');
+    assert.deepEqual(overcharging, [], 'options that can charge for more than is owed');
+  });
+
   test(`${where} every turn always offers something to do, however badly it is going`, () => {
     for (let seed = 100; seed < 130; seed++) randomRun(pack, seed, 150);
   });