feat: Phase 1 FDA host-operator Role and railiance01 pilot (WP-0009 T02–T07)

Lock DEC-FDA-001 working defaults; add roles/host-operator package with
OS/security and load protocols; scaffold eng-coulomb-railiance01-ho-001
with bound agent, vault, ramp checklists, and Kai quote/ledger.

engagements/pilots/eng-coulomb-railiance01-ho-001/commercial/README.md

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+# Commercial — Kai trial ledger
+
+- **Quote:** [quote.yaml](quote.yaml) — month-1 estimate (~72 800 Kai)
+- **Ledger:** [ledger.jsonl](ledger.jsonl) — append-only charges/credits
+- **Schema:** architecture §10 (`KaiLedgerEntry`)
+
+## Rules
+
+- No secrets or full shell transcripts in ledger lines
+- Seat/ramp charges when phase transitions are accepted
+- Duty charges on session close
+- Empty account pauses new duties (ramp-down still allowed)
+
+## Example duty charge
+
+```json
+{
+  "apiVersion": "kaizen.agentic/v1",
+  "kind": "KaiLedgerEntry",
+  "id": "kai-YYYYMMDDTHHMMSSZ-001",
+  "account": "coulomb-ops-kai",
+  "engagement_id": "eng-coulomb-railiance01-ho-001",
+  "type": "duty_charge",
+  "product": "standard_review",
+  "capability_tier": 4,
+  "access_surcharge_product": "host_observe",
+  "amount_kai": 1700,
+  "currency": "KAI",
+  "session_ref": "reports/YYYY-MM-DD-health-review.md",
+  "created_at": "YYYY-MM-DDTHH:MM:SSZ",
+  "metadata": {"target": "railiance01", "phase": "operating"}
+}
+```

engagements/pilots/eng-coulomb-railiance01-ho-001/commercial/ledger.jsonl

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+{"apiVersion":"kaizen.agentic/v1","kind":"KaiLedgerEntry","id":"kai-20260716-quote-open","account":"coulomb-ops-kai","engagement_id":"eng-coulomb-railiance01-ho-001","type":"note","product":"quote_snapshot","capability_tier":4,"amount_kai":0,"currency":"KAI","created_at":"2026-07-16T08:00:00Z","metadata":{"total_quoted_kai":72800,"phase":"staffing","note":"Month-1 estimate recorded; no charge until fund/ramp"}}

engagements/pilots/eng-coulomb-railiance01-ho-001/commercial/quote.yaml

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+# Kai quote — eng-coulomb-railiance01-ho-001 (trial month-1 estimate)
+# FX calibration only: 1000 Kai ≈ 1 EUR list (see business model)
+apiVersion: kaizen.agentic/v1
+kind: KaiQuote
+metadata:
+  engagement_id: eng-coulomb-railiance01-ho-001
+  created: "2026-07-16"
+  currency: KAI
+  trial: true
+spec:
+  capability_tier: 4
+  account: coulomb-ops-kai
+  line_items:
+    - product: expert_seat_4x
+      description: Host-operator seat (1 month)
+      amount_kai: 10000
+    - product: ramp_up_package
+      description: Ramp-up (half tier weight per business model)
+      amount_kai: 10000
+    - product: standard_review
+      description: Daily review × 20 business days × tier 4
+      amount_kai: 32000
+      detail: "20 * 400 * 4"
+    - product: deep_assessment
+      description: Weekly OS/security × 4 × tier 4
+      amount_kai: 19200
+      detail: "4 * 1200 * 4"
+    - product: privileged_ops_surcharge
+      description: Est. 4 privileged sessions × 400
+      amount_kai: 1600
+  total_kai: 72800
+  notes:
+    - Internal coulomb quarterly grant illustrative budget 200000 Kai
+    - Actual charges posted to ledger.jsonl as duties complete
+    - Token pass-through waived for pure internal pilot