sepa 0.2.0

SEPA payment utilities: IBAN validation (ISO 13616), BIC validation (ISO 9362), pain.008 direct-debit XML builder, pain.001 credit-transfer XML builder, and CAMT.054 notification types (ISO 20022). Zero I/O. No async. No domain assumptions.
Documentation 
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name: CI

on:
  push:
    branches: [main]
  pull_request:
  workflow_call:

concurrency:
  group: ${{ github.workflow }}-${{ github.event.pull_request.number || github.ref }}
  cancel-in-progress: true

env:
  CARGO_TERM_COLOR: always
  RUSTFLAGS: "-D warnings"
  RUSTDOCFLAGS: "-D warnings"

jobs:
  fmt:
    name: Rustfmt
    runs-on: ubuntu-latest
    steps:
      - uses: actions/checkout@v4
      - uses: dtolnay/rust-toolchain@stable
        with:
          components: rustfmt
      - run: cargo fmt --all --check

  clippy:
    name: Clippy
    runs-on: ubuntu-latest
    steps:
      - uses: actions/checkout@v4
      - uses: dtolnay/rust-toolchain@stable
        with:
          components: clippy
      - uses: Swatinem/rust-cache@v2
      - run: cargo clippy --all-targets --all-features -- -D warnings

  docs:
    name: Documentation
    runs-on: ubuntu-latest
    steps:
      - uses: actions/checkout@v4
      - uses: dtolnay/rust-toolchain@stable
      - uses: Swatinem/rust-cache@v2
      - run: cargo doc --no-deps --all-features

  msrv:
    name: MSRV (rust-version = 1.85)
    runs-on: ubuntu-latest
    steps:
      - uses: actions/checkout@v4
      - uses: dtolnay/rust-toolchain@master
        with:
          toolchain: "1.85"
      - uses: Swatinem/rust-cache@v2
      - run: cargo test --all-targets --all-features

  test:
    name: Test (${{ matrix.os }} · Rust ${{ matrix.rust }})
    runs-on: ${{ matrix.os }}
    needs: [fmt, clippy]
    strategy:
      fail-fast: false
      matrix:
        os:   [ubuntu-latest, macos-latest, windows-latest]
        rust: [stable, beta]
        exclude:
          - os: macos-latest
            rust: beta
          - os: windows-latest
            rust: beta
    steps:
      - uses: actions/checkout@v4
      - uses: dtolnay/rust-toolchain@master
        with:
          toolchain: ${{ matrix.rust }}
      - uses: Swatinem/rust-cache@v2
        with:
          key: ${{ matrix.os }}-${{ matrix.rust }}
      - name: Test — default features
        run: cargo test --all-targets
      - name: Test — all features
        run: cargo test --all-targets --all-features
      - name: Test — no default features
        run: cargo test --all-targets --no-default-features

  deny:
    name: cargo-deny (licenses + advisories)
    runs-on: ubuntu-latest
    steps:
      - uses: actions/checkout@v4
      - uses: dtolnay/rust-toolchain@stable
      - uses: Swatinem/rust-cache@v2
      - name: Install cargo-deny
        run: cargo install cargo-deny --locked
      - name: Run cargo-deny
        run: cargo deny --all-features check