Karamjit Verma

To keep this shippable and focused, I deferred: Stripe payouts/bank (connect_onboard_account_link / user_bank_account), the repeatable practices_followed rows (I implemented the simpler practice multi-select that drives classes.* + derived practices), and account-type editing (kept passthrough so it's never clobbered). Documented in docs/SIILA_PUBLIC_PAGES.md. Say the word and I'll add the Payouts tab and/or the full practices-followed group next. One runtime note: gender/country prefill matches...