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Introduce checkWithdrawFreezes helper gated behind fixCleanup3_3_0 that consolidates source, submitter, and destination freeze checks for pseudo-account withdrawals. The issuer-redemption exemption is now handled in one place rather than scattered across callers. Add MPT individual-lock tests for depositor and 3rd-party destination withdrawal scenarios, and extend LoanBrokerCoverWithdraw with the same consolidated freeze logic.