Refactor all loyalty tests from auto-redemption to manual-redemption model: - applyLoyaltyRedemption helper with HTTP endpoint - New tests: DepositBeforeRedemption (rejected), RedemptionBeforeDeposit (locked-in), MultipleEarnCycles, NormalEarnNoRedemption, RedemptionAppliedBeforeStampIncrement - Move TestDiscount_Stacking_TimeBasedPlusMilestone to alphabetical position - Add getTotalPaymentCount, getAmountPaid helpers - Remove TestDiscount_RedemptionAppliedBeforeStampIncrement (replaced) Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent) Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>