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

@@ -0,0 +1,33 @@
+# 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"}
+}
+```