new_codes_in judges a family member code new in Y only when
pfs.code_exposure has a becomes-payable row for it in Y; link targets
stay new only at their link since (R84a). The round-3 row-count
heuristic and the payability scan over ValuationRows are gone, so a
truncated valuation(years=N) window can neither invent nor hide a new
code. money_by_specialty takes exposures=; read_becomes_payable reads
them for a family's member codes.
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