SILGOLD SACCO - LOAN SCHEDULE PRINT/PDF CONSISTENCY FIX
15 October 2026

WHAT WAS FIXED
1. Policy-based loan print and PDF used legacy schedules and calculations, even
   though the live Loan Details screen used policy schedule allocations and
   waiver-aware values. Print, download and email now use the SAME policy
   schedule table/aggregation as the current Loan Details screen.
2. Legacy loan print and PDF did not subtract waived interest, making the
   amounts due, paid, and pending different from those shown on screen. The
   print and PDF calculation now matches the on-screen schedule.
3. Printing a schedule uses no-cache headers. Staff branch/access checking and
   borrower ownership checks were added to schedule export endpoints.
4. The policy schedule print automatically opens the browser print dialog, and
   avoids printing action buttons. The PDF doesn't render browser controls.

INSTALL WITH CPANEL FILE MANAGER (NO SQL REQUIRED)
1. BACK UP the existing files listed below before replacing them.
2. Find your actual Laravel PROJECT ROOT - the directory that contains app/,
   resources/, artisan, and routes/. DO NOT put these in public/ or public_html/
   unless that directory really is your Laravel project root.
3. Upload this ZIP to your Laravel project root and extract with overwrite.
   It contains only the modified Laravel files plus this README.
4. While logged in as an authorized staff member, visit the application's
   existing /clear-cache page, or run:
     php artisan view:clear
     php artisan cache:clear
     php artisan route:clear
5. From a policy loan, compare Loan Details > Loan Schedule against both
   Print Schedule and Download PDF. Test a loan with an applied repayment and
   a loan that has been rescheduled. Then verify a legacy loan that has
   waived interest. The dates, due, paid and pending amounts should match.

MODIFIED FILES
  app/Http/Controllers/LoanController.php
  app/Http/Controllers/ClientController.php
  app/Http/Controllers/SilgoldPolicyLoanController.php
  app/Services/SilgoldLoanScheduleViewService.php (NEW)
  resources/views/loan/partials/policy_details_schedule.blade.php
  resources/views/loan/policy_details_print_schedule.blade.php
  resources/views/loan/print_schedule.blade.php
  resources/views/loan/pdf_schedule.blade.php

TESTING
  All edited PHP controller/service files passed 'php -l'.
  Static consistency assertions passed for route wiring, common policy
  data source, waiver calculations, and access guards.
  No production database/server is available, so end-to-end browser and
  PDF rendering on your live installation still needs the checks above.

NO DATABASE MIGRATIONS OR SQL CHANGES. Only file replacements.
