Fix FSA/DCFSA expenses missing plan_year_id validation

Add fallback to convert FSA/DCFSA expenses to HSA if no matching
plan_year exists for that category/year combination. This prevents
CHECK constraint violations during import.

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Opus 4.5 <[email protected]>

Author: JavaDogWebDesign

scripts/generate_test_data.py

@@ -588,10 +588,16 @@ def generate_test_data():
         if status in ['Pending', 'Reimbursed', 'Partially Reimbursed'] and random.random() < 0.7:
             claim_number = f"CLM{year}{str(expense_id).zfill(6)}"
 
-        # Plan year ID for FSA/DCFSA
+        # Plan year ID for FSA/DCFSA - REQUIRED for these categories
         plan_year_id = None
         if category in ['FSA', 'DCFSA']:
             plan_year_id = plan_year_lookup.get((category, year))
+            # Validate: FSA/DCFSA MUST have a plan_year_id
+            if plan_year_id is None:
+                # Fall back to HSA if no plan year exists for this category/year
+                category = 'HSA'
+                status = 'Open'
+                amount_inflow = 0
 
         # Payment date
         date_of_payment = None