Matching hint net of refunds, and older payment notices while payment requests are stopped #93

Goal

Two leftovers found by the reviews of #89 (PRs DOS/DOS.Me#1551 and #91):

1. The creator's matching hint ignores refunds: waitsFor in apps/web/src/lib/reconciliation.ts compares a transfer with intended_amount - received_amount, so after a partial refund it no longer suggests the pledge for a transfer of the amount really due (intended - (received - refunded), as give.pledge_payment computes since DB: pledge amounts net of partial refunds, refund_owed for overpaid pledges, and a stop on payment requests #89).
2. Notices sent before a stop still say "pay": payment_due and payment_reminder notices created before a moderator stopped the payment requests keep "Hãy thanh toán … / Thanh toán ngay" (apps/web/src/lib/notices.ts). The linked pledge page shows the stop, so nothing leaks, but the notice text is misleading while the campaign is stopped.

Requirements

• Matching hint uses the net amount due (refunds read from give.pledge_balances or a candidate column the creator may read; no gross fallback).
• While a campaign's payment requests are stopped (payments_stopped_at), older payment_due / payment_reminder notices render neutrally ("Give đang tạm dừng yêu cầu thanh toán…") with a "Xem cam kết" link.

Acceptance

• Vitest for both: a partially refunded pledge is suggested for its net amount due; an older reminder on a stopped campaign shows the stop wording.

Files

apps/web/src/lib/reconciliation.ts, apps/web/src/lib/notices.ts, apps/web/src/app/me/notices/ (campaign stop lookup), tests.

Follow-up of #89.