Fix remaining critical, medium, and low security issues

IDOR (critical): GET /api/checks/:id and GET /api/deposits/:id now
verify the requesting user has access to the record's account before
returning data. Previously any authenticated user could fetch any
record by ID across accounts.

Printed check guard (critical): PUT and DELETE on checks now return
409 if the check has already been printed, enforcing the business rule
that printed checks are immutable. Previously the printed flag was
only enforced in the frontend.

PDF DoS (medium): checkIds array capped at 300 (100 pages × 3 per page).

QBO import DoS (medium): records array capped at 1000 per confirm call.

PDF error detail (medium): internal err.message no longer returned to
the client on PDF generation failure.

SESSION_SECRET (low): removed NODE_ENV=production condition — the
server now exits immediately on startup if SESSION_SECRET is unset
regardless of environment. Dev script updated to load .env via
node --env-file=.env so developers set it once in a local .env file.

Password hints (low): updated all three UI labels from "min 8 chars"
to "min 10 chars, include a digit or symbol" to match the actual
server-side validation.

public/index.html

@@ -20,7 +20,7 @@
           <input type="text" id="setup-username" autocomplete="username" autocapitalize="none">
         </div>
         <div class="form-group">
-          <label for="setup-password">Password <span class="field-hint">(min 8 characters)</span></label>
+          <label for="setup-password">Password <span class="field-hint">(min 10 characters, include a digit or symbol)</span></label>
           <input type="password" id="setup-password" autocomplete="new-password">
         </div>
         <div class="form-group">
@@ -621,7 +621,7 @@
             <input type="text" id="uf-username" autocapitalize="none">
           </div>
           <div class="form-group required">
-            <label for="uf-password">Password <span class="field-hint" id="uf-password-hint">(min 8 chars)</span></label>
+            <label for="uf-password">Password <span class="field-hint" id="uf-password-hint">(min 10 chars, include a digit or symbol)</span></label>
             <input type="password" id="uf-password" autocomplete="new-password">
           </div>
           <div class="form-group required">
@@ -652,7 +652,7 @@
             <input type="password" id="cp-current" autocomplete="current-password">
           </div>
           <div class="form-group">
-            <label for="cp-new">New Password <span class="field-hint">(min 8 chars)</span></label>
+            <label for="cp-new">New Password <span class="field-hint">(min 10 chars, include a digit or symbol)</span></label>
             <input type="password" id="cp-new" autocomplete="new-password">
           </div>
           <div class="form-group">