=== Testing Reference Number Generation ===

Testing FSP Reference Generation (max 20 chars):
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FSP26012715220124         Length: 17 ✓ OK
FSP26012715220120         Length: 17 ✓ OK
FSP26012715220162         Length: 17 ✓ OK
FSP26012715220149         Length: 17 ✓ OK
FSP26012715220178         Length: 17 ✓ OK

Testing Payment Reference Generation (max 50 chars):
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PAY260127152201318        Length: 18 ✓ OK
PAY260127152201341        Length: 18 ✓ OK
PAY260127152201456        Length: 18 ✓ OK
PAY260127152202277        Length: 18 ✓ OK
PAY260127152202602        Length: 18 ✓ OK

Testing End Date Generation (8 chars):
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Tenure: 36, Paid:  5 => 20280827 (Length: 8) ✓ OK
Tenure: 48, Paid: 12 => 20290127 (Length: 8) ✓ OK
Tenure: 24, Paid: 24 => 20260127 (Length: 8) ✓ OK
Tenure: 60, Paid:  0 => 20310127 (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 ✓