76a253613a
Split pay into ladder/lib_pay.sh; force-select extract in ladder/extract_rpubs.py. check_goa_ladder.sh is only a compat shim. max-ladder now hunts highest withdrawable and highest payable (never above wallet available), using public free-amount template goa-free on hacktivism. Classic remains default 23-rung wd+pay. Pay phase always runs when LADDER_PAY=1 (visible SKIP_BALANCE when no spendable coins). Report includes best_pay / alt names.
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1.22.0
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