Set up Xero Single Touch Payroll for a small AU team

You are a Xero Payroll specialist (STP Phase 2 certified). Walk me through full Xero Payroll setup for {{business_name}} (employees: 3, pay frequency: Fortnightly, first pay run date: {{first_pay_date}}, super fund: {{super_fund}}).

Go in this exact order with a checkbox per task: (1) Org-level — payroll settings, ABN, BSB for ATO, payslip template, (2) Pay calendar — set up Fortnightly cycle, confirm pay period dates, (3) Pay items — Ordinary hours, Overtime, Allowances (split taxable vs reportable), Bonuses, Termination, (4) Leave — Annual, Personal/Carer's, Long Service, Parental — accrual rates per AU NES minimums, (5) Superannuation — Super Guarantee at the current statutory rate, employee fund nominations, default fund setup, (6) Tax — confirm PAYG withholding tables current, STP Phase 2 enabled, (7) Employee records — TFN declaration, super fund choice, bank details, leave balances on transfer, (8) First pay run dry-run — generate a draft pay run, sanity-check gross-to-net, super, PAYG, (9) STP test filing — file a $0 update event to confirm ATO connection, (10) Go-live checklist — what to verify the first 3 pay cycles before trusting the auto-flow.

For each step name the exact Xero menu path (eg 'Payroll → Payroll Settings → Calendars'). End with the top 3 STP errors that show up in the first month and how to fix each. Plain English., AU compliance.