- ActorPermissionSetIs check; bypass policy filters by member_id for own_data only.
- Admin with member_id still gets :all via HasPermission. Tests added.
- Policy tests: use Fixtures where applicable; create_custom_field() fix in custom_field_value.
- Replace unused actor with _actor, remove unused alias Accounts in policy tests.
- profile_navigation_test: disable Credo for intentional TODO comment.
- Group/MemberGroup/MembershipFeeType/MembershipFeeCycle: HasPermission policy
- normal_user: Group and MembershipFeeCycle create/update/destroy; pages /groups/new, /groups/:slug/edit
- Add policy tests for all four resources
