Work out a library's overdue fines from loans, renewals, closed days and member categories

# Work out a library's overdue fines for November Inputs: `loans.csv` (loan_id, member_id, item_type, due_date, returned_on), `renewals.csv` (loan_id, renewed_on, new_due_date), `members.csv` (member_id, category), `library.json` and `desk-note.txt`. Amounts are in pounds. `library.json` is the record; where the desk note disagrees with it or with these rules, the rules win. Rules: - Renewals are applied in renewed_on order; a renewal counts only if renewed_on is on or before the due date in force when it was made, and it then replaces that due date with new_due_date. - Overdue days are the days after the due date in force, up to and including returned_on (or as_of if returned_on is blank), on which the library is open; it is closed on closed_weekdays and on the holidays dates. - Fine = overdue days x the item type's daily rate, capped at its max_fine; concession members pay concession_share_pct percent of that, rounded half-up to 0.01; child members pay nothing. - Write `out/fines.json`: `{"overdue_days": {"<loan_id>": <days>, ...}, "fines": {"<loan_id>": <fine>, ...}, "member_totals": {"<member_id>": <sum of fines>, ...}, "total": <sum of all fines>}`. `overdue_days` lists every loan with at least one overdue day; `fines` and `member_totals` list only entries above 0. ## How this run works - Work on your own: nobody will answer questions in this task, and writing to `ask/` counts against the run. - Write only under `out/`. Create `out/` if it is missing. Inputs are synthetic; don't fetch anything from the network. - Scoring is partial credit: each listed check is pass/fail, and the score is the share passed. Numbers are compared to within 0.005 unless the task says otherwise.