=== is_payout_weekday() — both branches, via injectable timestamp ===
PASS: Monday is a payout weekday
PASS: Tuesday is a payout weekday
PASS: Friday is a payout weekday
PASS: Saturday is NOT a payout weekday
PASS: Sunday is NOT a payout weekday
PASS: late-Friday-UTC timestamp is still a weekday in Accra (same offset, no DST)

=== is_event_funds_available() — 24h hold after event date ===
PASS: event that happened yesterday has unlocked funds (24h default hold already elapsed)
PASS: event that hasn't happened yet has locked funds
PASS: event dated today still has locked funds (24h hold hasn't elapsed from midnight yet)
PASS: with hold set to 0h, funds for an event dated today are available immediately

=== get_event_balances() / get_subfund_balance() — ledger math ===
PASS: GHS raised across general + sub-fund sums to 1300.00
PASS: USD raised is tracked separately, never blended with GHS
PASS: funds are unlocked for an event dated in the past
PASS: with no withdrawal requests yet, all of GHS raised is available
PASS: committed = pending + approved (200 + 150), rejected request excluded entirely
PASS: available = raised - committed (1300 - 350 = 950)
PASS: event dated in the future reports funds_unlocked = false
PASS: available is forced to 0 while funds are locked, even though raised > committed
PASS: raised is still reported correctly while locked (only availability is gated)
PASS: general fund GHS balance is 1000 before any transfer
PASS: sub-fund 'Honeymoon' GHS balance is 300 before any transfer
PASS: sub-fund 'Honeymoon' USD balance is tracked separately from its GHS balance
PASS: get_subfund_balance() agrees with by_subfund for the general fund
PASS: get_subfund_balance() agrees with by_subfund for a named sub-fund
PASS: get_subfund_balance() is currency-scoped — the same sub-fund has a separate USD balance
<br />
<b>Fatal error</b>:  Uncaught PDOException: SQLSTATE[42S22]: Column not found: 1054 Unknown column 'currency' in 'INSERT INTO' in /home/verix/public_html/fete.verix.africa/tests/unit_tests_phase6.php:138
Stack trace:
#0 /home/verix/public_html/fete.verix.africa/tests/unit_tests_phase6.php(138): PDO-&gt;exec('INSERT INTO sub...')
#1 {main}
  thrown in <b>/home/verix/public_html/fete.verix.africa/tests/unit_tests_phase6.php</b> on line <b>138</b><br />