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US: Borrow a Book

As a library member, I want to borrow an available book, So that I can read it at home.

Acceptance Criteria

Happy path:

Given a registered member with borrowing capacity
And a book that is available (not currently borrowed)
When the member borrows the book
Then a loan is created with a 21-day period
And the member's active loan count increases
And a lending::book-borrowed event is published

Book already borrowed:

Given a book that is currently borrowed by another member
When the member tries to borrow it
Then the system rejects with "Book is already borrowed"

Borrowing limit reached:

Given a member who has reached their borrowing limit (e.g. 2 out of 2)
When the member tries to borrow another book
Then the system rejects with "Member has reached borrowing limit"

Member has overdue loans:

Given a member with at least one overdue loan
When the member tries to borrow a new book
Then the system rejects with "Member has overdue loans and cannot borrow"

Member not found:

Given a member ID that does not exist
When someone tries to borrow a book with that ID
Then the system rejects with "Member not found"

Book not in catalog:

Given a book ID that has no matching BookReference in Lending
When the member tries to borrow it
Then the system rejects with "Book not found in catalog"