Scholastic Standing - No reporting prior to ecert going out

**User Story**
As an institution user, I am able to report a scholastic standing event on a funded application after COE is confirmed and before the ecert is sent out. This can lead to situations where a student is penalized for a Withdraw/PTSSR having never attended or received funding to begin with.

**Acceptance Criteria**
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**Additional Context**
Other options can be used to clean up any errors like this (ministry cancels application before ecert or reverse scholastic standing) but this is preventative on the behaviour of the institution, which should reduce impact on ministry teams.

The issue names no files, tests, or entry points. Start by tracing the workflow from COE confirmation to ecert delivery and the current scholastic-standing reporting path. Clarify the missing acceptance criteria with maintainers; done should prevent reporting during that interval and cover the stated institutional scenario.

Written by the indexing model from the issue text.