Fix all placeholders and hardcoded values

- Make transactionId and batchId required parameters in E&O uplift functions
- Move BIC code to configurable institution-config in utils package
- Update effective dates to use current date instead of hardcoded 2024-01-01
- Add placeholder review documentation
- Comment out console.log in retention policy (production TODO)
- All critical placeholders resolved

packages/rules-engine/src/iof.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"iof.d.ts","sourceRoot":"","sources":["iof.ts"],"names":[],"mappings":"AACA,OAAO,KAAK,EACV,WAAW,EACX,oBAAoB,EACpB,UAAU,EACX,MAAM,yBAAyB,CAAC;AAIjC,wBAAgB,YAAY,CAAC,WAAW,EAAE,WAAW,GAAG,oBAAoB,CAuC3E;AAED,wBAAgB,mBAAmB,CACjC,WAAW,EAAE,oBAAoB,GAChC,UAAU,CAoBZ"}