Implement WP-0015-T02: extract policy/profile spec files

specs/policies/linear-longstop-v0.md extracted from
OpenQuestions-WorkingDefaults.md Q7's prose, with policy_id/title
frontmatter -- Q7 now records only the adoption decision, pointing at
this file for the formula itself.

Six specs/profiles/*.md files extracted from
CanonicalMonetizationProfiles.md's per-profile sections (#1-6), each
with extension_id/title frontmatter matching the ids already used in
real Phase Manifests. CanonicalMonetizationProfiles.md keeps the
cross-profile summary and non-goals sections, now pointing at the
extracted files instead of containing their content.

DevelopmentEffortCalculatorConcept.md gets calculator_id/revision/title
frontmatter for consistency, no move (already conformed as one file per
model). Checked for stale cross-references before editing -- nothing
in the repo links to the removed section anchors.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

specs/profiles/product-ideation.md

@@ -0,0 +1,29 @@
+---
+extension_id: trsl:extension:product-ideation@1.0
+title: Product Ideation
+---
+
+# Product Ideation
+
+**What the payer receives:** paid discovery, requirements-gathering, or
+prototyping work exploring a *possible* future product direction — work
+that has not yet been committed to any governed Milestone Release, and may
+never be.
+
+**Worked narrative:** a company pays for exploratory work on an idea that
+might become a future Phase, or might not. At the time of payment, there is
+no Phase to allocate anything toward — this is the key distinction from
+`service-with-development-allocation`, where a Phase already exists and is
+being actively developed. Default allocation is 0%. If the ideation output
+is later adopted into an actual governed Milestone Release, the allocation
+decision is made **at that later time**, against the adopting Phase, as a
+new declaration — never inferred automatically from the original,
+pre-Phase-existence payment. This ordering (Phase must exist before
+allocation can be declared against it) prevents retroactively
+manufacturing Development Credit for a Phase using unrelated earlier
+payments.
+
+**Default `development_allocation`:** 0% (or explicitly declared later,
+against a specific adopting Phase, once one exists).
+
+**Fixture:** `examples/phase-001/extensions/product-ideation.json` (new).