Staff-side refund override. Bypasses the resolved cancellation policy.

• applyPolicy: defer to the resolved policy (default for participant

cancels, no-op when supplied by staff).

• forceFull: refund every monetary split in full, regardless of the

cutoff window. Used as the default for staff-initiated session cancels — the cancel wasn't the customer's fault.

• forceNone: cancel without issuing any refund. The audit trail is

still recorded; pass / membership session credit is still restored.