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doPayment, doOverpayment, computeFullPayment, and computeLatePayment each took a long list of individually-fetched proxy/value parameters that were always sourced from the same Loan ledger object at their single call site. Take SLE::ref/const_ref directly instead and unwrap fields internally, cutting parameter counts and removing threading duplication in loanMakePayment. computePaymentComponents gains a thin SLE-unwrapping overload alongside its existing value-based form, which stays for direct exercise by the unit test model-based checks. Also renames constructRoundedLoanState to a constructLoanState overload for consistency with the other overload.