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Area: Contracts & Backend

When a loan is defaulted, the event is immutable. There is no way for a borrower to contest an incorrect default (e.g., caused by indexer lag or a clock-skew bug).

Fix: Add a contest_default(loan_id, reason) backend endpoint that:

1. Moves loan to a disputed status
2. Notifies admins for manual review
3. Freezes further penalty accrual during dispute window
4. Admin can either confirm or reverse the default