=== Testing Reference Number Generation ===

Testing FSP Reference Generation (max 20 chars):
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FSP25121108015497         Length: 17 ✓ OK
FSP25121108015497         Length: 17 ✓ OK
FSP25121108015480         Length: 17 ✓ OK
FSP25121108015491         Length: 17 ✓ OK
FSP25121108015445         Length: 17 ✓ OK

Testing Payment Reference Generation (max 50 chars):
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PAY251211080154722        Length: 18 ✓ OK
PAY251211080154921        Length: 18 ✓ OK
PAY251211080155758        Length: 18 ✓ OK
PAY251211080155178        Length: 18 ✓ OK
PAY251211080155203        Length: 18 ✓ OK

Testing End Date Generation (8 chars):
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Tenure: 36, Paid:  5 => 20280711 (Length: 8) ✓ OK
Tenure: 48, Paid: 12 => 20281211 (Length: 8) ✓ OK
Tenure: 24, Paid: 24 => 20251211 (Length: 8) ✓ OK
Tenure: 60, Paid:  0 => 20301211 (Length: 8) ✓ OK

=== All Reference Formats Verified ===
FSP Reference: Max 17 chars (within 20 char limit) ✓
Payment Reference: Max 16 chars (within 50 char limit) ✓
End Date: Exactly 8 chars ✓