Check for dated accrual gaps, unapplied contractual rate resets and unresolved lending money commands

Operator lending authority required. business_date is a nonfuture YYYY-MM-DD date. ready is false when accruals have not reached the date, a due contractual reset remains unapplied, whole-cent interest remains unrecognized, or recoverable lending money commands are incomplete. Accrue may successfully process unaffected credits while this readiness check remains blocked.