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- compute subscription remaining value from the current cycle's paid amount, actual remaining days, and original package days while always excluding the current business day and still allowing gifted days to push the ratio above 100% - keep future prepaid cycles from inflating current-cycle detail metrics and cover fallback, gifted-day, and current-day exclusion cases with focused API unit and integration tests - wire DEFAULT_APP_LOCALE into the api-only compose file and align the full compose API environment block with regression coverage