Review catch on #700: the inline chain switched to /etc/mosaic/ credentials.json unconditionally when the HOME file was absent, even if /etc was also absent — diverging from _lib/credentials.sh, which keeps the $HOME default when neither candidate exists. The /etc switch is now guarded by existence, restoring lib/inline parity. Co-Authored-By: Claude Fable 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_01RMoEx7hfdFGjUiCHuN1RRi