feat(mosaic): manifest-owned upgrade guard so updates never wipe operator config (#791)

Invert the framework updater from a denylist ("framework owns everything unless
preserved") to an explicit allow-list manifest ("operator owns everything unless
framework"). A path the manifest never anticipated resolves to operator-owned by
the fail-safe default, so it is structurally unreachable by any write or prune.

Root cause (#791): `mosaic update` re-seeds via `install.sh` keep-mode, whose
`rsync -a --delete` + hand-maintained PRESERVE_PATHS denylist wiped operator
paths the denylist forgot (agents/*.conf, policy/*.md, *.local.md, harvester
SOP, tools/_lib/credentials.json, unanticipated fleet files).

- framework-manifest.txt: single SSOT ([framework]/[operator], deny-wins,
  UNKNOWN=>operator fail-safe), read by BOTH installers.
- src/framework/manifest.ts: pure resolver (parse/matchGlob/resolveOwnership/
  frameworkSubtreeRoots/planPrune) — the testable seam.
- tools/_lib/manifest.sh: bash resolver (compiled globs, fork-free hot path),
  sourced by install.sh; parity-tested against the TS resolver.
- install.sh keep mode is now manifest-driven (no --delete): overlay-copy
  framework files, scoped-prune only retired framework files inside shipped
  subtrees. Operator + unknown paths are never written or deleted.
- file-ops.syncDirectory gains an isOperatorOwned guard; file-adapter derives it
  from the shared manifest, replacing the drifted hardcoded preservePaths.

Tests (TDD, red->green):
- HARD GATE test-upgrade-manifest-guard.sh: 10 operator sentinels (incl. an
  unanticipated one) survive a keep-mode reseed byte-identical + mtime-unchanged;
  retired framework file pruned; secret value absent from output. RED 31 fail on
  the old installer -> GREEN 48 pass. Wired merge-blocking into CI.
- manifest-parity.spec.ts (§6.1): bash<->TS agree on 34 paths + subtree roots.
- manifest.spec.ts: 18 tests incl. planPrune property test + shipped-tree
  completeness (§6.2).
- test-install-migration.sh F6 flipped: an unanticipated operator fleet file now
  MUST survive keep-mode reseed.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

packages/mosaic/framework/framework-manifest.txt

@@ -0,0 +1,80 @@
+# Mosaic framework path-ownership manifest — SSOT for the updater.
+#
+# This single file is the source of truth consumed by BOTH the bash installer
+# (packages/mosaic/framework/install.sh) and the TypeScript config adapter
+# (packages/mosaic/src/config/file-adapter.ts). A parity test asserts both
+# paths resolve the same ownership from this file, so the two can never drift
+# (the failure mode that #631 patched by hand in two places).
+#
+# Format: one glob per line, relative to the mosaic home (~/.config/mosaic).
+#   - Lines starting with '#' and blank lines are ignored.
+#   - '[framework]' / '[operator]' switch the active section.
+#   - '**' matches any depth; '*' matches within a single path segment.
+#
+# Ownership resolution for a path P (deny-wins / fail-safe):
+#   1. P matches an [operator] glob            -> operator-owned.
+#   2. else P matches a [framework] glob        -> framework-owned.
+#   3. else (matches neither)                   -> OPERATOR-OWNED BY DEFAULT.
+#
+# Rule 3 is the root-cause fix for #791: a path the manifest authors never
+# anticipated is protected because UNKNOWN defaults to operator. The updater
+# may only ever create/overwrite framework-owned paths, and may only prune a
+# framework-owned path that lives inside a shipped framework subtree and is
+# absent from the current framework source (a genuinely retired file).
+# Operator-owned and unknown paths are structurally unreachable by pruning.
+
+[framework]
+# Top-level framework contract files (also reconciled from defaults/ on upgrade).
+CONSTITUTION.md
+AGENTS.md
+STANDARDS.md
+# Shipped framework subtrees — pruning is scoped to these roots.
+adapters/**
+constitution/**
+CONTRIBUTING.md
+defaults/**
+examples/**
+guides/**
+install.sh
+install.ps1
+LICENSE
+profiles/**
+runtime/**
+systemd/**
+templates/**
+tools/**
+# Fleet: only the framework-seeded fleet subtrees are framework-owned.
+fleet/README.md
+fleet/examples/**
+fleet/profiles/**
+fleet/roles/**
+fleet/roster.schema.json
+fleet/services/**
+# The manifest itself is framework-owned.
+framework-manifest.txt
+
+[operator]
+# Identity / user-seeded contract files — generated by the wizard or seeded
+# once from defaults/, then owned by the operator. Never overwritten on upgrade.
+SOUL.md
+USER.md
+TOOLS.md
+# Local overlays (tighten-only) authored by the operator.
+*.local.md
+# Operator-owned trees the updater must never write over or prune.
+agents/**
+policy/**
+memory/**
+sources/**
+credentials/**
+# Secret-bearing operator file INSIDE the framework-owned tools/ subtree.
+# Listed explicitly so the deny-wins rule carves it out of tools/**.
+tools/_lib/credentials.json
+# Operator-owned fleet state (roster SSOT, per-agent env, heartbeats, backlog,
+# persona overrides). Losing these silently downgrades a running fleet (#791).
+fleet/roster.yaml
+fleet/roster.json
+fleet/agents/**
+fleet/run/**
+fleet/backlog/**
+fleet/roles.local/**