Loop B dup/mod attack findings:
- TillPurchases admin 2FA gate now mirrors PaymentModal and the backend: gateActive = twoFactorEnforced && customerTwoFactorEnabled && paymentMethod='saved_card'; the customer's setup flag is fetched from GET /api/admin/users/{id} on selection. A 2FA-disabled customer in an enforced env no longer hits a dead-end blocked input — the charge 403 surfaces the actionable message via the existing self-heal.
- Extracted twoFAMintThrottled helper shared by SetupTwoFAHandler and ensurePendingTwoFACode — mint-cooldown rule can no longer drift between setup and disable-flow paths
- Notification-helper drift documented: sweep copy states the intentional booking+user scoping vs the canonical webhook copy (cross-referenced); auth refresh_token_reuse insert verified to carry the same NOT EXISTS acknowledged_at IS NULL guard; no import cycle (webhooks→payments one-way)
- Pence convention: 'rounded to the cent' corrected to 'pence' (handlers.go:2726)
26/26 backend packages; 72/72 frontend tests + build; env-docs 41/41.
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