- Draw a grid on the two header rows only, data cells stay borderless.
- Align column names to the top so the start of a long name stays visible.
- Narrow the 14 code columns to the length of their values; the rule matches
by column name, so identical indicators in every block get equal widths.
- Halve both payment system name columns (32 -> 16).
- Give "Характеристика операции" the same width as "Назначение платежа".
- Drop the group title above "Статус перевода": it duplicated the column name.
The group cell stays in place so the header grid is not broken.
- Pass the cell format to write_string. Identifier columns (БИК, ИНН, ОГРН,
КПП, СВИФТ, account numbers) were written without one, so text wrapping and
vertical alignment never applied to them - this is why БИК had no line break.
The width padding and the header rotation are single constants: the customer
has not confirmed yet whether "N знаков" means the value length (implemented)
or an amount to subtract, and whether narrow headers should be rotated.
