feat(mosaic): P5 — overlay composer (compose-contract + *.local overlays) (#605)

Co-authored-by: Jason Woltje <jason@diversecanvas.com>
Co-committed-by: Jason Woltje <jason@diversecanvas.com>

packages/mosaic/framework/defaults/AGENTS.md

@@ -9,7 +9,10 @@ overwritten on upgrade. (Layer model: `constitution/LAYER-MODEL.md`.)
 1. Your context already includes `CONSTITUTION.md` + `USER.md` + the TOOLS index + the runtime
    contract (injected by `mosaic` launch) — do not re-read those. **If you were launched bare**
    (a harness started without `mosaic`, so the law is NOT in your context), read
-   `~/.config/mosaic/CONSTITUTION.md` now, before your first action.
+   `~/.config/mosaic/CONSTITUTION.md` now, before your first action. A bare launch also gets
+   **base contracts only** — operator overlays (`*.local.md`) are composed by the launcher, so if
+   `SOUL.local.md`/`USER.local.md`/`STANDARDS.local.md` exist, relaunch via `mosaic <harness>` (or run
+   `mosaic doctor`) to pick them up.
 2. Read `SOUL.md` (agent persona — small, once).
 3. Read project-local `AGENTS.md` / `CLAUDE.md` if present (these may only make behavior stricter).
 4. Read guides ONLY as triggered by the table below — pull role-relevant depth on demand, not up front.