policy_number,amount,payment_method,payment_date,reference_number,notes
> $p = \App\Models\Policy::whereIn('status',['active','in_arrears'])->first();

> echo $p ? $p->policy_number : 'NONE';
> = null,15.00,cash,2026-07-14,TEST-001,test import
INVALID-POL-9999,10.00,ecocash,2026-07-14,,bad policy
POL-X,abc,cash,2026-07-14,,bad amount
