Banking Reference; updated logic when resolve tags, especially for New Zealand

The logic used when resolving tags in a Bank Transaction's Reference has been updated - in particular for New Zealand.

A Bank Transaction's Reference can include tags such as "[AccId]" and "[AccName]" to insert the Account's code and name respectively. The overall Reference cannot be longer than 50 characters. How it is used depends on the country and bank that may process the transaction.

In New Zealand the Bank Transaction's Reference is stored as "Particulars|Code|Reference' - each part is limited to 12 characters and delimited by the pipe character.

In some places, tags in the overall Reference are firstly resolved and truncated to 50 characters before being split into Particulars, Code and Reference. This can lead to issues whereby the first tag to be resolved causes later text to be truncated.

The correct way, and the change made, is to first split the overall Reference into Particulars, Code and Reference. Then resolve tags in each part, removing any non-unicode and pipe characters and truncating each to 12 characters before recombining.

In addition, some places, e.g., Direct Debits, support [ClientId] and [LastName] tags, but others, e.g., Standard Transactions, don't. All places now support these tags.