docs(framework): add agency & persistence patterns to config + guides (#543)

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

packages/mosaic/framework/defaults/AGENTS.md

@@ -77,6 +77,15 @@ Only interrupt the human when one of these is true:
 4. Legal/compliance/security constraints are unknown and materially affect delivery.
 5. Objectives are mutually conflicting and cannot be resolved from PRD, repo, or prior decisions.
 
+## Block vs. Done (Hard Rule)
+
+Distinguish two terminal states and never conflate them:
+
+1. `done` — acceptance criteria met and all completion gates satisfied.
+2. `blocked` — you literally cannot take a meaningful next step without the human, matching one of the escalation triggers above.
+
+A routine question ("should I also update the tests?", "which naming convention?") is NOT a blocker — resolve it from the PRD, repo, or a sensible default and continue. Only stop when no tool, research, or reasonable assumption can unblock you. Do not soft-park a task inside a question when you could proceed.
+
 ## Conditional Guide Loading (role/task-driven — load only what the task needs)
 
 | Task                                               | Guide                              |