M8: DoctorSecretary::toArray() lazy-loaded secretary/doctor/clinic per row;
fetch-join them in findByDoctorScope/findByClinic (shared listWithRelations()).
M9: enrichClaims() lazy-loaded each claim's items collection and called
insuranceRepo->find() per claim. Fetch-join items in findByTenant (Paginator,
fetchJoinCollection) and batch-fetch insurance names once.
Regressions (query count constant vs row count): SecretaryListNPlusOneTest,
ClaimsListNPlusOneTest.
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
