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/utils/src/institution-config.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"institution-config.d.ts","sourceRoot":"","sources":["institution-config.ts"],"names":[],"mappings":"AAAA;;;GAGG;AAEH,MAAM,WAAW,iBAAiB;IAChC,GAAG,EAAE,MAAM,CAAC;IACZ,IAAI,EAAE,MAAM,CAAC;IACb,OAAO,EAAE,MAAM,CAAC;IAChB,IAAI,CAAC,EAAE,MAAM,CAAC;CACf;AAED,eAAO,MAAM,kBAAkB,EAAE,iBAKhC,CAAC;AAEF,wBAAgB,iBAAiB,IAAI,MAAM,CAE1C;AAED,wBAAgB,kBAAkB,IAAI,MAAM,CAE3C"}