In dry-run mode the script makes zero QBO writes, so QboClient should not
be instantiated (which would throw if QBO_CLIENT_ID etc are unset).
Replace eager getQboClient() call with a lazy getClient() wrapper that
constructs QboClient only when the first live POST is about to be made.
- scripts/apply-fh-deposit.ts: parse .FH, validate per-check + total against mapping,
resolve invoices + deposit account from Postgres, post Payments + Deposit to QBO
- Idempotency via sibling .applied.json written after each successful QBO post
- --dry-run flag prints all payloads and makes zero QBO writes
- Check number normalization (strip leading zeros) handles bank-vs-remittance mismatch
- dev/fin/4183_mapping_20260518.json: 11 checks, $18,962.12 total, 2026-05-18 batch
