fix(security): enforce ownership on 4 IDOR read/bind endpoints (M2-M5)

- M2 GET /insurance/{id}: was unguarded; now owner-or-admin (403 otherwise) —
  stops reading another doctor's negotiated price by id enumeration.
- M3 GET /clinic-pro/doctor-address/{id}: add the same owner/admin check the
  sibling PATCH/DELETE already had.
- M4 POST/PATCH /service-item: staff_uuid must belong to the caller's tenant
  (entity_type/entity_id) → 422; stops binding another tenant's staff.
- M5 appointment-settings list endpoints (date-override/holidays/
  available-locations): add the per-doctor ownership check the sibling
  single-record endpoints already enforce.

Regressions (6 negative cases fail without the fixes):
DoctorInsuranceOwnershipTest, DoctorAddressOwnershipTest,
ServiceItemStaffOwnershipTest, AppointmentSettingsListOwnershipTest.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

tests/ClinicService/ServiceItemStaffOwnershipTest.php

@@ -0,0 +1,44 @@
+<?php
+
+namespace App\Tests\ClinicService;
+
+use App\ClinicService\Entity\ServiceItem;
+use App\ClinicService\Entity\ServiceSection;
+use App\Doctor\Entity\Doctor;
+use App\Staff\Entity\ClinicStaff;
+use App\Tests\ApiTestCase;
+
+/**
+ * Binding staff to a service item must be scoped: a tenant must not attach
+ * another tenant's staff member via staff_uuid.
+ */
+class ServiceItemStaffOwnershipTest extends ApiTestCase
+{
+    public function testCannotBindForeignStaff(): void
+    {
+        // owner A: their section + item
+        $ownerA  = $this->createUser(['ROLE_DOCTOR']);
+        $doctorA = new Doctor($ownerA, 'دکتر A');
+        $this->em->persist($doctorA);
+        $this->em->flush();
+
+        $section = new ServiceSection('doctor', $doctorA->getId(), 'بخش A');
+        $item    = new ServiceItem($section, 'خدمت');
+        $this->em->persist($section);
+        $this->em->persist($item);
+
+        // unrelated tenant B's staff
+        $doctorB = new Doctor($this->createUser(['ROLE_DOCTOR']), 'دکتر B');
+        $this->em->persist($doctorB);
+        $this->em->flush();
+        $foreignStaff = new ClinicStaff('doctor', $doctorB->getId(), 'پرسنل B');
+        $this->em->persist($foreignStaff);
+        $this->em->flush();
+
+        $this->authJson('PATCH', '/api/v1/service-item/' . $item->getUuid(), $ownerA, [
+            'staff_uuid' => $foreignStaff->getUuid(),
+        ]);
+
+        $this->assertSame(422, $this->responseCode());
+    }
+}