Goal: Show what organisation members (non-owners) see: the dashboard is unchanged (no module columns, no cost footer), and the padlocked nav item opens an "ask your owner" modal instead of an enable flow.

Faked vs real-on-build

• Rows are hard-coded; owner name in the modal comes from the organisation's owner on build.
• The Accounting dropdown is an inline replica; on build the padlock lives in the real top nav.

PRD: PRD-81 — Billing and per-cashbook modules.