@event4u/agent-config 6.0.0 → 7.0.0

package/src/scripts/ai_council/config.py

@@ -1,1364 +0,0 @@
-"""Council configuration loader — single source of truth.
-
-Reads ``agents/settings/.ai-council.yml`` per the contract in
-``docs/contracts/ai-council-config.md``. Replaces the fragmented
-``.agent-settings.yml`` ``ai_council`` block (Phase 0 migration).
-
-Validation contract (8 rules, all enforced at load time):
-
-1. ``enabled`` is a bool.
-2. ``defaults.mode`` ∈ {``api``, ``manual``, ``cli``}; per-member mode
-   same set. Semantics: ``api`` = SDK call against a stored key
-   (billable); ``manual`` = copy & paste — human transports prompt +
-   reply between the agent and an external chat surface (free);
-   ``cli`` = shell out to a locally-installed CLI under subscription
-   auth (free for first-party CLIs, billable for community wrappers).
-3. ``members.<name>`` keys are restricted to the known provider set.
-4. ``cost_budget.*`` numeric fields are >= 0.
-5. Enabled members carry a non-empty ``model`` and ``api_key_ref``
-   when their effective mode is ``api``. CLI-mode members do NOT
-   require ``api_key_ref`` (subscription auth is provided by the CLI
-   binary itself).
-6. ``api_key_ref`` starts with ``file:`` or ``env:`` — raw keys are
-   refused even if syntactically plausible.
-7. Resolved ``file:`` key paths must have mode 0o600 (delegated to
-   :func:`resolve_api_key`; runs at use-time, not parse-time).
-8. ``binary:`` is only valid when the member's effective mode is
-   ``cli``; ``cli_call_budget.max_calls_per_day.<provider>`` keys
-   must be valid providers.
-"""
-
-from __future__ import annotations
-
-import os
-import stat
-from dataclasses import dataclass, field
-from pathlib import Path
-from typing import Any
-
-import yaml
-
-from scripts._lib import user_global_paths
-
-_VALID_PROVIDERS = frozenset({"anthropic", "openai", "gemini", "xai", "perplexity"})
-_VALID_MODES = frozenset({"api", "manual", "cli"})
-
-#: Prefixes that signal "this is a raw API key" so we refuse it loudly
-#: even when the user accidentally inlined it in ``api_key_ref``.
-_RAW_KEY_PREFIXES = ("sk-", "sk-ant-", "ya29.", "AIza", "xai-", "pplx-", "gsk_")
-
-
-class CouncilConfigError(RuntimeError):
-    """Raised when ``agents/settings/.ai-council.yml`` violates the schema."""
-
-
-@dataclass(frozen=True)
-class DefaultsConfig:
-    mode: str = "api"
-    member_mode: str = "cli"
-    min_rounds: int = 2
-    deep_min_rounds: int = 3
-    max_output_tokens: int = 0
-    session_retention_days: int = 7
-    debate_max_rounds: int = 4
-
-
-@dataclass(frozen=True)
-class CostBudgetConfig:
-    max_input_tokens: int = 500_000
-    max_output_tokens: int = 200_000
-    max_calls: int = 50
-    max_total_usd: float = 20.0
-
-
-@dataclass(frozen=True)
-class MemberConfig:
-    name: str
-    enabled: bool
-    model: str
-    api_key_ref: str | None
-    mode: str | None = None
-    binary: str | None = None
-    model_ladder: tuple[str, ...] = ()
-    participate_low_impact: bool = False
-
-
-@dataclass(frozen=True)
-class AdvisorConfig:
-    """Replace-mode advisor binding (Phase 6).
-
-    `member` names the provider whose plain call is replaced by this
-    advisor-persona call. `persona` is the path to the advisor persona
-    file (resolved relative to the package root). `model` is an
-    optional override of the bound member's plain model.
-    """
-
-    name: str
-    enabled: bool
-    member: str
-    persona: str
-    model: str | None = None
-
-
-@dataclass(frozen=True)
-class ConsensusScoringConfig:
-    """Consensus-scoring round settings (Phase 4 / F3).
-
-    Only the `analysis` lens activates the scoring round today. Other
-    lenses see this as inert config. Thresholds are inclusive on the
-    `strong` side (> strong → strong bucket) and exclusive on the
-    `minority` side (≤ minority → minority bucket); the middle bucket
-    is `(minority, strong]`. Defaults mirror the roadmap (0.7 / 0.4).
-    """
-
-    enabled: bool = False
-    strong_threshold: float = 0.7
-    minority_threshold: float = 0.4
-    lenses: tuple[str, ...] = ("analysis",)
-
-
-_VALID_NECESSITY_MODES = frozenset({"off", "educate", "block", "warn-only"})
-_VALID_DISCLOSURE_MODES = frozenset({"always", "above_threshold", "off"})
-
-
-@dataclass(frozen=True)
-class NecessityClassifierConfig:
-    """Council-necessity classifier toggle (Phase 6).
-
-    ``mode`` controls the **agent** invocation path; ``user_explicit_mode``
-    controls the **user-explicit** invocation path (step-8 D2 tier split).
-
-    Valid modes ∈ ``{"off", "educate", "block", "warn-only"}``:
-
-    - ``off`` — legacy behaviour: classifier never runs, every request
-      proceeds to deliberation.
-    - ``educate`` — agent-initiated `unnecessary` skips silently;
-      user-explicit `unnecessary` emits the educate paragraph and
-      requires ``--proceed-anyway`` (CLI) or a numbered-options
-      confirmation (agent surface) before firing members.
-    - ``block`` — power-user opt-in: `unnecessary` skips silently
-      regardless of override flag.
-    - ``warn-only`` — classifier verdict annotated in stdout but
-      **never** skips. Default for ``user_explicit_mode`` (step-8 D2).
-
-    Default ``mode`` (agent path) = ``educate``;
-    default ``user_explicit_mode`` = ``warn-only``. Reconciles
-    "Council always active when called" with "skip trivial agent-side
-    requests".
-
-    Per-lens overrides live in :class:`CouncilConfig.lens_overrides`;
-    this dataclass carries only the global default.
-    """
-
-    enabled: bool = True
-    mode: str = "educate"
-    user_explicit_mode: str = "warn-only"
-
-
-@dataclass(frozen=True)
-class ModelDowngradeConfig:
-    """Model-size downgrade-suggestion toggle (Phase 7).
-
-    When ``enabled`` is true, the dispatcher runs the size-fit
-    classifier (:func:`scripts.ai_council.necessity.classify_size_fit`)
-    before deliberation. ``fit=False`` triggers a single
-    numbered-options prompt offering the suggested cheaper model.
-
-    ``auto_apply`` toggles agent-initiated invocations to silently
-    accept the suggested model (logged in ``session.md`` as a
-    ``downgraded`` event). User-explicit invocations always see the
-    prompt regardless. Default global ON per the roadmap spec; per-lens
-    override lives in :class:`LensOverridesConfig`.
-    """
-
-    enabled: bool = True
-    auto_apply: bool = False
-
-
-@dataclass(frozen=True)
-class CostDisclosureConfig:
-    """Pre-flight cost-disclosure toggle (Phase 8).
-
-    ``mode`` ∈ ``{"always", "above_threshold", "off"}``:
-
-    - ``always`` — always emit the disclosure block before deliberation.
-    - ``above_threshold`` — emit only when the expected USD spend exceeds
-      ``threshold_usd``. Useful for cheap lenses (analysis / default)
-      where the prompt would be friction.
-    - ``off`` — power-user opt-out, never emit. The hard refusal cap
-      still fires regardless (cost ceilings are not optional).
-
-    ``show_per_member`` toggles whether the per-member breakdown is
-    surfaced or just the rolled-up totals.
-    """
-
-    mode: str = "always"
-    threshold_usd: float = 1.00
-    show_per_member: bool = True
-
-
-@dataclass(frozen=True)
-class DebateConfig:
-    """Debate cost-visibility + hard refusal cap (Phase 8).
-
-    ``max_cost_usd`` is the unconditional refusal cap — when the
-    pre-flight ``high_usd`` estimate exceeds this value, the dispatcher
-    refuses to start the debate (no prompt, exit non-zero). Mirrored
-    mid-run: running spend > cap aborts cleanly after the current round.
-
-    ``cost_disclosure`` controls the pre-flight disclosure block. Both
-    are independent — disclosure off + cap on still refuses over-budget
-    debates; cap=0 disables the refusal but disclosure still fires.
-    """
-
-    max_cost_usd: float = 5.00
-    cost_disclosure: CostDisclosureConfig = field(
-        default_factory=CostDisclosureConfig,
-    )
-
-
-@dataclass(frozen=True)
-class DecisionReplayConfig:
-    """Decision-replay artefact toggle (Phase 9).
-
-    ``enabled`` controls whether ``decision-replay.md`` is written
-    alongside the session JSON. ``include_member_arguments`` toggles
-    the redacted view: when ``False`` the artefact emits consensus +
-    dissent COUNT only — no per-member arguments — for sharing without
-    leaking which model framed which point.
-    """
-
-    enabled: bool = True
-    include_member_arguments: bool = True
-
-
-@dataclass(frozen=True)
-class DecisionResolutionEntry:
-    """Routing entry for one impact class (Phase 10).
-
-    Attributes:
-        mode: One of ``agent`` / ``council`` / ``user``. ``high_impact``
-            and ``user_required`` are LOCKED to ``user`` at parse-time
-            — overrides are rejected with a CouncilConfigError.
-        confidence_threshold: When the classifier's confidence is BELOW
-            this value, the entry's ``mode`` is upgraded by one rung
-            (agent → council, council → user). ``user`` mode ignores
-            the threshold. Default ``0.6``.
-    """
-
-    mode: str = "user"
-    confidence_threshold: float = 0.6
-
-
-@dataclass(frozen=True)
-class FuzzyMatchConfig:
-    """Opt-in fuzzy matching for the corpus-aware classifier (step-9 P5).
-
-    Lives under ``decision_resolution.fast_path.fuzzy_match`` in the
-    YAML. When ``enabled`` is ``False`` the classifier uses
-    exact-after-normalisation matching only (Phase 12 default).
-
-    Attributes:
-        enabled: Master switch. Default ``False`` — exact match only.
-        threshold: ``difflib.SequenceMatcher.ratio()`` cutoff in the
-            range ``(0.0, 1.0]``. Default ``0.92``. Two safety vetoes
-            apply on top of the ratio test (Iron Law preserved):
-            high-impact trigger tokens in the query short-circuit to
-            the base verdict, and anti-example similarity at or above
-            the validated similarity rejects the match.
-    """
-
-    enabled: bool = False
-    threshold: float = 0.92
-
-
-@dataclass(frozen=True)
-class LowImpactFastPathConfig:
-    """Hard caps for the lightweight-QA fast-path (Phase 11).
-
-    Lives under ``decision_resolution.fast_path`` in the YAML. Used by
-    :mod:`scripts.ai_council.low_impact` to assemble the fast-path
-    ``CostBudget`` when a ``low_impact`` question routes to ``council``.
-
-    Attributes:
-        max_members: Upper bound on opted-in members invoked per
-            resolution. Default ``2``. ``1`` skips quick-consensus
-            and returns the single responder's answer; ``2`` runs the
-            agreement / disagreement check.
-        max_rounds: Locked to ``1`` — the fast-path strips debate.
-            Surfaced for documentation; the loader rejects any other
-            value with a hard schema error.
-        max_tokens: Combined input+output token budget per resolution.
-            Default ``2500``. Passed through to ``CostBudget``.
-        max_cost_usd: USD cap per resolution. Default ``0.05``.
-        fuzzy_match: Opt-in fuzzy corpus matching (step-9 P5). Off by
-            default — exact-after-normalisation matching only.
-    """
-
-    max_members: int = 2
-    max_rounds: int = 1
-    max_tokens: int = 2500
-    max_cost_usd: float = 0.05
-    fuzzy_match: FuzzyMatchConfig = field(default_factory=FuzzyMatchConfig)
-
-
-@dataclass(frozen=True)
-class DecisionResolutionConfig:
-    """Impact-class → routing map (Phase 10).
-
-    Keyed by impact class (``trivial`` / ``low_impact`` / ``medium_impact``
-    / ``high_impact`` / ``user_required``). The Iron Law rule for
-    ``high_impact`` and ``user_required`` is enforced by
-    :func:`_build_decision_resolution` — those classes MUST route to
-    ``user`` and any other value is a hard schema error.
-
-    ``fast_path`` carries the Phase 11 hard caps for the lightweight-QA
-    resolver. Only consulted when a ``low_impact`` question routes to
-    ``council``.
-    """
-
-    enabled: bool = True
-    classes: dict[str, DecisionResolutionEntry] = field(default_factory=dict)
-    fast_path: LowImpactFastPathConfig = field(
-        default_factory=LowImpactFastPathConfig,
-    )
-
-
-@dataclass(frozen=True)
-class LensOverridesConfig:
-    """Per-lens overrides keyed by lens name (Phase 6+).
-
-    Carries necessity-classifier mode overrides (Phase 6),
-    model-downgrade overrides (Phase 7), cost-disclosure overrides
-    (Phase 8), and decision-replay overrides (Phase 9).
-    """
-
-    necessity_classifier_mode: dict[str, str] = field(default_factory=dict)
-    necessity_classifier_user_explicit_mode: dict[str, str] = field(
-        default_factory=dict,
-    )
-    model_downgrade: dict[str, ModelDowngradeConfig] = field(default_factory=dict)
-    cost_disclosure: dict[str, CostDisclosureConfig] = field(default_factory=dict)
-    decision_replay: dict[str, DecisionReplayConfig] = field(default_factory=dict)
-
-
-@dataclass(frozen=True)
-class RoutingConfig:
-    """Solo-member dispatch fallback chain (step-9 P8/P9 · U2).
-
-    ``solo_member_fallback_chain`` is the ordered list of provider names
-    consulted when the dispatcher resolves a single-member invocation
-    (CLI ``--single`` flag or ``low_impact.dispatch: single``). The
-    first chain entry whose member is enabled AND has cached-valid auth
-    wins. An empty tuple disables solo dispatch — any caller that
-    requests it falls back to the full council with a WARN log.
-
-    ``auth_check_timeout_seconds`` bounds the lazy auth probe per
-    member (default ``3``). Loader rejects values outside ``[1, 30]``
-    so a misconfigured CLI cannot stall the dispatcher.
-    """
-
-    solo_member_fallback_chain: tuple[str, ...] = ()
-    auth_check_timeout_seconds: int = 3
-
-
-@dataclass(frozen=True)
-class LowImpactConfig:
-    """Low-impact dispatch + shadow-mode config (step-9 P8/P10 · U3).
-
-    ``dispatch`` switches the low-impact resolution shape:
-
-    - ``full`` (default) — the existing fast-path quick-consensus over
-      opted-in members (caps from ``decision_resolution.fast_path``).
-    - ``single`` — solo-member dispatch via
-      :class:`RoutingConfig.solo_member_fallback_chain`. The loader
-      rejects ``single`` when the chain is empty or contains only
-      disabled members, so a misconfigured opt-in cannot silently
-      escalate to the full council on every call.
-
-    ``shadow_sample_rate`` is the per-decision sampling probability
-    for shadow-mode logging (Phase 10). At ``0.0`` shadow is off; at
-    ``1.0`` every solo decision is also dispatched to the full
-    council and the verdicts are compared in
-    ``agents/runtime/council/shadow-log.jsonl``. Must be in ``[0.0, 1.0]``.
-
-    ``solo_confidence_floor`` is the auto-escalation threshold for
-    solo-member responses (step-9 P13). When the dispatcher extracts
-    a confidence signal below the floor — or detects a split /
-    refusal response — the decision escalates to the full council
-    on this invocation, independent of shadow sampling. Default
-    ``0.7``; must be in ``[0.0, 1.0]``. The floor is irrelevant when
-    ``dispatch=full`` (no solo step to gate).
-    """
-
-    dispatch: str = "full"
-    shadow_sample_rate: float = 0.1
-    solo_confidence_floor: float = 0.7
-
-
-@dataclass(frozen=True)
-class CliCallBudgetConfig:
-    """Per-day call-count guard for ``mode: cli`` members (Phase 0).
-
-    The standard ``cost_budget`` gate skips CLI calls because they are
-    ``billable=False`` — but provider subscriptions still carry their
-    own quotas (Claude Pro 5h windows, ChatGPT Plus message caps,
-    Gemini free-tier per-day limits). Users opt into a per-provider
-    cap; default unset = unlimited from this loader's perspective.
-
-    Counter state persists under
-    ``~/.event4u/agent-config/cli-calls.json`` with daily UTC reset
-    (wired in Phase 1).
-
-    ``warn_at`` is the fractional threshold (0.0–1.0) at which the
-    pre-run quota summary in :func:`council_cli.cmd_run` flips its
-    prefix to ``⚠️`` and surfaces a ``council:quota · WARN`` line
-    (step-8 P1). Default ``0.8`` is the standard ops-monitoring 80 %
-    threshold (step-8 D4). Providers without a configured cap are
-    omitted from the summary regardless.
-    """
-
-    max_calls_per_day: dict[str, int] = field(default_factory=dict)
-    warn_at: float = 0.8
-
-
-@dataclass(frozen=True)
-class CouncilConfig:
-    enabled: bool
-    defaults: DefaultsConfig
-    cost_budget: CostBudgetConfig
-    members: dict[str, MemberConfig]
-    advisors: dict[str, AdvisorConfig] = field(default_factory=dict)
-    consensus_scoring: ConsensusScoringConfig = field(
-        default_factory=ConsensusScoringConfig,
-    )
-    cli_call_budget: CliCallBudgetConfig = field(
-        default_factory=CliCallBudgetConfig,
-    )
-    necessity_classifier: NecessityClassifierConfig = field(
-        default_factory=NecessityClassifierConfig,
-    )
-    model_downgrade: ModelDowngradeConfig = field(
-        default_factory=ModelDowngradeConfig,
-    )
-    debate: DebateConfig = field(default_factory=DebateConfig)
-    decision_replay: DecisionReplayConfig = field(
-        default_factory=DecisionReplayConfig,
-    )
-    decision_resolution: DecisionResolutionConfig = field(
-        default_factory=DecisionResolutionConfig,
-    )
-    routing: RoutingConfig = field(default_factory=RoutingConfig)
-    low_impact: LowImpactConfig = field(default_factory=LowImpactConfig)
-    lens_overrides: LensOverridesConfig = field(
-        default_factory=LensOverridesConfig,
-    )
-    source_path: Path | None = None
-
-
-def load_council_config(path: Path) -> CouncilConfig:
-    """Load and validate the council YAML at ``path``."""
-    if not path.exists():
-        raise CouncilConfigError(
-            f"Council config not found at {path}. "
-            f"Create it per docs/contracts/ai-council-config.md."
-        )
-    try:
-        raw = yaml.safe_load(path.read_text(encoding="utf-8")) or {}
-    except yaml.YAMLError as exc:
-        raise CouncilConfigError(f"{path}: invalid YAML — {exc}") from exc
-    if not isinstance(raw, dict):
-        raise CouncilConfigError(f"{path}: top-level must be a mapping.")
-    return _build_config(raw, source_path=path)
-
-
-def _build_config(raw: dict[str, Any], *, source_path: Path) -> CouncilConfig:
-    enabled = raw.get("enabled", False)
-    if not isinstance(enabled, bool):
-        raise CouncilConfigError("`enabled` must be a bool.")
-
-    defaults = _build_defaults(raw.get("defaults") or {})
-    cost_budget = _build_cost_budget(raw.get("cost_budget") or {})
-
-    members_raw = raw.get("members") or {}
-    if not isinstance(members_raw, dict):
-        raise CouncilConfigError("`members` must be a mapping.")
-    members: dict[str, MemberConfig] = {}
-    for name, cfg in members_raw.items():
-        members[name] = _build_member(name, cfg or {}, default_mode=defaults.mode)
-
-    advisors_raw = raw.get("advisors") or {}
-    if not isinstance(advisors_raw, dict):
-        raise CouncilConfigError("`advisors` must be a mapping.")
-    advisors: dict[str, AdvisorConfig] = {}
-    for adv_name, adv_cfg in advisors_raw.items():
-        advisors[adv_name] = _build_advisor(adv_name, adv_cfg or {})
-
-    # Cross-validate enabled advisors against the members block. An
-    # advisor referencing a missing or disabled member is a hard error
-    # — never a silent skip — so a typo never costs the user money on
-    # an unintended call plan.
-    for adv in advisors.values():
-        if not adv.enabled:
-            continue
-        bound = members.get(adv.member)
-        if bound is None:
-            raise CouncilConfigError(
-                f"advisors.{adv.name}.member={adv.member!r}: no such "
-                f"member in the `members` block."
-            )
-        if not bound.enabled:
-            raise CouncilConfigError(
-                f"advisors.{adv.name}.member={adv.member!r}: member "
-                f"exists but is disabled. Enable the member or disable "
-                f"the advisor."
-            )
-
-    consensus = _build_consensus_scoring(raw.get("consensus_scoring") or {})
-    cli_call_budget = _build_cli_call_budget(raw.get("cli_call_budget") or {})
-    necessity_classifier = _build_necessity_classifier(
-        raw.get("necessity_classifier") or {},
-    )
-    model_downgrade = _build_model_downgrade(raw.get("model_downgrade") or {})
-    debate = _build_debate(raw.get("debate") or {})
-    decision_replay = _build_decision_replay(
-        raw.get("decision_replay") or {}, path="decision_replay",
-    )
-    decision_resolution = _build_decision_resolution(
-        raw.get("decision_resolution") or {},
-    )
-    routing = _build_routing(raw.get("routing") or {}, members=members)
-    low_impact = _build_low_impact(
-        raw.get("low_impact") or {},
-        members=members,
-        routing=routing,
-    )
-    _reject_top_level_locked_dispatch(raw)
-    lens_overrides = _build_lens_overrides(raw.get("lenses") or {})
-
-    return CouncilConfig(
-        enabled=enabled,
-        defaults=defaults,
-        cost_budget=cost_budget,
-        members=members,
-        advisors=advisors,
-        consensus_scoring=consensus,
-        cli_call_budget=cli_call_budget,
-        necessity_classifier=necessity_classifier,
-        model_downgrade=model_downgrade,
-        debate=debate,
-        decision_replay=decision_replay,
-        decision_resolution=decision_resolution,
-        routing=routing,
-        low_impact=low_impact,
-        lens_overrides=lens_overrides,
-        source_path=source_path,
-    )
-
-
-def _build_necessity_classifier(d: dict[str, Any]) -> NecessityClassifierConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`necessity_classifier` must be a mapping.")
-    enabled = d.get("enabled", True)
-    if not isinstance(enabled, bool):
-        raise CouncilConfigError("`necessity_classifier.enabled` must be a bool.")
-    mode = d.get("mode", "educate")
-    if mode not in _VALID_NECESSITY_MODES:
-        raise CouncilConfigError(
-            f"necessity_classifier.mode={mode!r} not in "
-            f"{sorted(_VALID_NECESSITY_MODES)}."
-        )
-    user_explicit_mode = d.get("user_explicit_mode", "warn-only")
-    if user_explicit_mode not in _VALID_NECESSITY_MODES:
-        raise CouncilConfigError(
-            f"necessity_classifier.user_explicit_mode="
-            f"{user_explicit_mode!r} not in "
-            f"{sorted(_VALID_NECESSITY_MODES)}."
-        )
-    return NecessityClassifierConfig(
-        enabled=bool(enabled),
-        mode=mode,
-        user_explicit_mode=user_explicit_mode,
-    )
-
-
-def _build_model_downgrade(d: dict[str, Any]) -> ModelDowngradeConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`model_downgrade` must be a mapping.")
-    enabled = d.get("enabled", True)
-    if not isinstance(enabled, bool):
-        raise CouncilConfigError("`model_downgrade.enabled` must be a bool.")
-    auto_apply = d.get("auto_apply", False)
-    if not isinstance(auto_apply, bool):
-        raise CouncilConfigError("`model_downgrade.auto_apply` must be a bool.")
-    return ModelDowngradeConfig(enabled=bool(enabled), auto_apply=bool(auto_apply))
-
-
-def _build_cost_disclosure(
-    d: dict[str, Any], *, path: str,
-) -> CostDisclosureConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError(f"`{path}` must be a mapping.")
-    mode = d.get("mode", "always")
-    if mode not in _VALID_DISCLOSURE_MODES:
-        raise CouncilConfigError(
-            f"{path}.mode={mode!r} not in {sorted(_VALID_DISCLOSURE_MODES)}."
-        )
-    threshold = float(d.get("threshold_usd", 1.00))
-    if threshold < 0:
-        raise CouncilConfigError(
-            f"{path}.threshold_usd must be >= 0 (got {threshold!r})."
-        )
-    show_per_member = d.get("show_per_member", True)
-    if not isinstance(show_per_member, bool):
-        raise CouncilConfigError(
-            f"`{path}.show_per_member` must be a bool."
-        )
-    return CostDisclosureConfig(
-        mode=mode,
-        threshold_usd=threshold,
-        show_per_member=bool(show_per_member),
-    )
-
-
-def _build_debate(d: dict[str, Any]) -> DebateConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`debate` must be a mapping.")
-    cap = float(d.get("max_cost_usd", 5.00))
-    if cap < 0:
-        raise CouncilConfigError(
-            f"debate.max_cost_usd must be >= 0 (got {cap!r}; "
-            f"use 0 to disable the cap)."
-        )
-    disclosure_raw = d.get("cost_disclosure") or {}
-    disclosure = _build_cost_disclosure(
-        disclosure_raw, path="debate.cost_disclosure",
-    )
-    return DebateConfig(max_cost_usd=cap, cost_disclosure=disclosure)
-
-
-def _build_decision_replay(
-    d: dict[str, Any], *, path: str,
-) -> DecisionReplayConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError(f"`{path}` must be a mapping.")
-    enabled = d.get("enabled", True)
-    if not isinstance(enabled, bool):
-        raise CouncilConfigError(f"`{path}.enabled` must be a bool.")
-    include_args = d.get("include_member_arguments", True)
-    if not isinstance(include_args, bool):
-        raise CouncilConfigError(
-            f"`{path}.include_member_arguments` must be a bool."
-        )
-    return DecisionReplayConfig(
-        enabled=bool(enabled),
-        include_member_arguments=bool(include_args),
-    )
-
-
-_VALID_RESOLUTION_MODES = frozenset({"agent", "council", "user"})
-_IMPACT_CLASSES = (
-    "trivial", "low_impact", "medium_impact", "high_impact", "user_required",
-)
-_LOCKED_IMPACT_CLASSES = frozenset({"high_impact", "user_required"})
-
-_DEFAULT_RESOLUTION_MODES: dict[str, str] = {
-    "trivial": "agent",
-    "low_impact": "agent",
-    "medium_impact": "council",
-    "high_impact": "user",
-    "user_required": "user",
-}
-
-
-def _build_decision_resolution(
-    d: dict[str, Any],
-) -> DecisionResolutionConfig:
-    """Build the impact-class → routing map (Phase 10).
-
-    Enforces the Iron Law: ``high_impact`` and ``user_required`` MUST
-    route to ``user``. Any other value is a hard schema error — no
-    silent fall-back, no override path.
-    """
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`decision_resolution` must be a mapping.")
-    enabled = d.get("enabled", True)
-    if not isinstance(enabled, bool):
-        raise CouncilConfigError(
-            "`decision_resolution.enabled` must be a bool."
-        )
-    classes_raw = d.get("classes") or {}
-    if not isinstance(classes_raw, dict):
-        raise CouncilConfigError(
-            "`decision_resolution.classes` must be a mapping."
-        )
-    classes: dict[str, DecisionResolutionEntry] = {}
-    for cls in _IMPACT_CLASSES:
-        entry_raw = classes_raw.get(cls) or {}
-        if not isinstance(entry_raw, dict):
-            raise CouncilConfigError(
-                f"`decision_resolution.classes.{cls}` must be a mapping."
-            )
-        mode = entry_raw.get("mode", _DEFAULT_RESOLUTION_MODES[cls])
-        if mode not in _VALID_RESOLUTION_MODES:
-            raise CouncilConfigError(
-                f"decision_resolution.classes.{cls}.mode={mode!r} not in "
-                f"{sorted(_VALID_RESOLUTION_MODES)}."
-            )
-        # Iron Law: high_impact + user_required are locked to user.
-        if cls in _LOCKED_IMPACT_CLASSES and mode != "user":
-            raise CouncilConfigError(
-                f"decision_resolution.classes.{cls}.mode={mode!r}: "
-                f"class `{cls}` is LOCKED to `user` (Iron Law) — "
-                f"high-impact and user-required decisions never bypass "
-                f"the user."
-            )
-        # Iron Law: `dispatch` is not configurable for locked classes
-        # (step-9 P8/P11 · U3). Any nested `dispatch` key — including
-        # smuggled-in YAML anchor merges — is a hard schema error.
-        if cls in _LOCKED_IMPACT_CLASSES and "dispatch" in entry_raw:
-            raise CouncilConfigError(
-                f"decision_resolution.classes.{cls}.dispatch="
-                f"{entry_raw['dispatch']!r}: dispatch is not "
-                f"configurable for high-impact / user-required "
-                f"decisions — always full council."
-            )
-        threshold = float(entry_raw.get("confidence_threshold", 0.6))
-        if not 0.0 <= threshold <= 1.0:
-            raise CouncilConfigError(
-                f"decision_resolution.classes.{cls}.confidence_threshold "
-                f"must be in [0.0, 1.0] (got {threshold!r})."
-            )
-        classes[cls] = DecisionResolutionEntry(
-            mode=mode,
-            confidence_threshold=threshold,
-        )
-    fast_path_raw = d.get("fast_path") or {}
-    if not isinstance(fast_path_raw, dict):
-        raise CouncilConfigError(
-            "`decision_resolution.fast_path` must be a mapping."
-        )
-    fast_path = _build_fast_path(fast_path_raw)
-    return DecisionResolutionConfig(
-        enabled=bool(enabled),
-        classes=classes,
-        fast_path=fast_path,
-    )
-
-
-def _build_fast_path(d: dict[str, Any]) -> LowImpactFastPathConfig:
-    """Parse `decision_resolution.fast_path` into a frozen config.
-
-    Hard caps for the lightweight-QA resolver (Phase 11). ``max_rounds``
-    is locked to ``1`` — any other value is a hard schema error. The
-    other fields are positive numbers within sane bounds; out-of-range
-    values are rejected to prevent silent token / cost blow-ups.
-    """
-    max_members = d.get("max_members", 2)
-    if not isinstance(max_members, int) or isinstance(max_members, bool):
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.max_members must be an int "
-            f"(got {type(max_members).__name__})."
-        )
-    if max_members < 1 or max_members > 2:
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.max_members must be 1 or 2 "
-            f"(got {max_members}). Fast-path is by design a 1-2 member "
-            "lookup — wider fan-out belongs in the standard council path."
-        )
-    max_rounds = d.get("max_rounds", 1)
-    if max_rounds != 1:
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.max_rounds is LOCKED to 1 "
-            f"(got {max_rounds!r}). Multi-round fast-paths defeat the "
-            "purpose — escalate to standard council instead."
-        )
-    max_tokens = d.get("max_tokens", 2500)
-    if (
-        not isinstance(max_tokens, int)
-        or isinstance(max_tokens, bool)
-        or max_tokens <= 0
-    ):
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.max_tokens must be a positive "
-            f"int (got {max_tokens!r})."
-        )
-    max_cost_raw = d.get("max_cost_usd", 0.05)
-    if isinstance(max_cost_raw, bool) or not isinstance(
-        max_cost_raw, (int, float)
-    ):
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.max_cost_usd must be a "
-            f"number (got {type(max_cost_raw).__name__})."
-        )
-    max_cost = float(max_cost_raw)
-    if max_cost <= 0.0:
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.max_cost_usd must be > 0 "
-            f"(got {max_cost!r})."
-        )
-    fuzzy_match = _build_fuzzy_match(d.get("fuzzy_match") or {})
-    return LowImpactFastPathConfig(
-        max_members=max_members,
-        max_rounds=1,
-        max_tokens=max_tokens,
-        max_cost_usd=max_cost,
-        fuzzy_match=fuzzy_match,
-    )
-
-
-def _build_fuzzy_match(d: dict[str, Any]) -> FuzzyMatchConfig:
-    """Parse ``decision_resolution.fast_path.fuzzy_match`` (step-9 P5).
-
-    Opt-in only: defaults to ``enabled=False, threshold=0.92``. A
-    threshold outside ``(0.0, 1.0]`` is a hard schema error — sub-0.5
-    matches are noise; ``0.0`` would auto-match anything; ``> 1.0`` is
-    impossible by definition of the ratio.
-    """
-    if not isinstance(d, dict):
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.fuzzy_match must be a mapping."
-        )
-    enabled = d.get("enabled", False)
-    if not isinstance(enabled, bool):
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.fuzzy_match.enabled must be a bool "
-            f"(got {type(enabled).__name__})."
-        )
-    threshold_raw = d.get("threshold", 0.92)
-    if isinstance(threshold_raw, bool) or not isinstance(
-        threshold_raw, (int, float)
-    ):
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.fuzzy_match.threshold must be a "
-            f"number (got {type(threshold_raw).__name__})."
-        )
-    threshold = float(threshold_raw)
-    if not (0.0 < threshold <= 1.0):
-        raise CouncilConfigError(
-            "decision_resolution.fast_path.fuzzy_match.threshold must be in "
-            f"(0.0, 1.0] (got {threshold!r})."
-        )
-    return FuzzyMatchConfig(enabled=enabled, threshold=threshold)
-
-
-
-def _build_lens_overrides(d: dict[str, Any]) -> LensOverridesConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`lenses` must be a mapping.")
-    nc_overrides: dict[str, str] = {}
-    nc_user_overrides: dict[str, str] = {}
-    md_overrides: dict[str, ModelDowngradeConfig] = {}
-    cd_overrides: dict[str, CostDisclosureConfig] = {}
-    dr_overrides: dict[str, DecisionReplayConfig] = {}
-    for lens_name, lens_cfg in d.items():
-        if not isinstance(lens_cfg, dict):
-            raise CouncilConfigError(
-                f"`lenses.{lens_name}` must be a mapping."
-            )
-        nc_block = lens_cfg.get("necessity_classifier")
-        if nc_block is not None:
-            if not isinstance(nc_block, dict):
-                raise CouncilConfigError(
-                    f"`lenses.{lens_name}.necessity_classifier` must be a mapping."
-                )
-            mode = nc_block.get("mode")
-            if mode is not None:
-                if mode not in _VALID_NECESSITY_MODES:
-                    raise CouncilConfigError(
-                        f"lenses.{lens_name}.necessity_classifier.mode={mode!r} "
-                        f"not in {sorted(_VALID_NECESSITY_MODES)}."
-                    )
-                nc_overrides[lens_name] = mode
-            user_mode = nc_block.get("user_explicit_mode")
-            if user_mode is not None:
-                if user_mode not in _VALID_NECESSITY_MODES:
-                    raise CouncilConfigError(
-                        f"lenses.{lens_name}.necessity_classifier."
-                        f"user_explicit_mode={user_mode!r} "
-                        f"not in {sorted(_VALID_NECESSITY_MODES)}."
-                    )
-                nc_user_overrides[lens_name] = user_mode
-        md_block = lens_cfg.get("model_downgrade")
-        if md_block is not None:
-            if not isinstance(md_block, dict):
-                raise CouncilConfigError(
-                    f"`lenses.{lens_name}.model_downgrade` must be a mapping."
-                )
-            md_enabled = md_block.get("enabled", True)
-            if not isinstance(md_enabled, bool):
-                raise CouncilConfigError(
-                    f"`lenses.{lens_name}.model_downgrade.enabled` must be a bool."
-                )
-            md_auto = md_block.get("auto_apply", False)
-            if not isinstance(md_auto, bool):
-                raise CouncilConfigError(
-                    f"`lenses.{lens_name}.model_downgrade.auto_apply` must be a bool."
-                )
-            md_overrides[lens_name] = ModelDowngradeConfig(
-                enabled=bool(md_enabled),
-                auto_apply=bool(md_auto),
-            )
-        cd_block = lens_cfg.get("cost_disclosure")
-        if cd_block is not None:
-            cd_overrides[lens_name] = _build_cost_disclosure(
-                cd_block, path=f"lenses.{lens_name}.cost_disclosure",
-            )
-        dr_block = lens_cfg.get("decision_replay")
-        if dr_block is not None:
-            dr_overrides[lens_name] = _build_decision_replay(
-                dr_block, path=f"lenses.{lens_name}.decision_replay",
-            )
-    return LensOverridesConfig(
-        necessity_classifier_mode=nc_overrides,
-        necessity_classifier_user_explicit_mode=nc_user_overrides,
-        model_downgrade=md_overrides,
-        cost_disclosure=cd_overrides,
-        decision_replay=dr_overrides,
-    )
-
-
-def _build_consensus_scoring(d: dict[str, Any]) -> ConsensusScoringConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`consensus_scoring` must be a mapping.")
-    strong = float(d.get("strong_threshold", 0.7))
-    minority = float(d.get("minority_threshold", 0.4))
-    if not 0.0 <= minority <= strong <= 1.0:
-        raise CouncilConfigError(
-            f"consensus_scoring thresholds broken: require "
-            f"0 <= minority ({minority}) <= strong ({strong}) <= 1."
-        )
-    lenses_raw = d.get("lenses", ["analysis"])
-    if not isinstance(lenses_raw, list) or not all(isinstance(x, str) for x in lenses_raw):
-        raise CouncilConfigError("`consensus_scoring.lenses` must be a list of strings.")
-    return ConsensusScoringConfig(
-        enabled=bool(d.get("enabled", False)),
-        strong_threshold=strong,
-        minority_threshold=minority,
-        lenses=tuple(lenses_raw),
-    )
-
-
-_VALID_MEMBER_MODES = frozenset({"cli", "api"})
-
-
-def _build_defaults(d: dict[str, Any]) -> DefaultsConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`defaults` must be a mapping.")
-    mode = d.get("mode", "api")
-    if mode not in _VALID_MODES:
-        raise CouncilConfigError(
-            f"defaults.mode={mode!r} not in {sorted(_VALID_MODES)}."
-        )
-    # `member_mode` (step-9 P8 · U1) — global preference for solo /
-    # CLI-mode invocations. Narrower set than `defaults.mode` because
-    # `manual` makes no sense as a per-member dispatch default.
-    member_mode = d.get("member_mode", "cli")
-    if member_mode not in _VALID_MEMBER_MODES:
-        raise CouncilConfigError(
-            f"defaults.member_mode={member_mode!r} not in "
-            f"{sorted(_VALID_MEMBER_MODES)}."
-        )
-    return DefaultsConfig(
-        mode=mode,
-        member_mode=member_mode,
-        min_rounds=int(d.get("min_rounds", 2)),
-        deep_min_rounds=int(d.get("deep_min_rounds", 3)),
-        max_output_tokens=int(d.get("max_output_tokens", 0)),
-        session_retention_days=int(d.get("session_retention_days", 7)),
-        debate_max_rounds=int(d.get("debate_max_rounds", 4)),
-    )
-
-
-_VALID_DISPATCH_MODES = frozenset({"full", "single"})
-
-
-def _build_routing(
-    d: dict[str, Any],
-    *,
-    members: dict[str, MemberConfig],
-) -> RoutingConfig:
-    """Parse ``routing`` block (step-9 P8 · U2).
-
-    Validates the solo-member fallback chain shape:
-
-    - Must be a list of strings.
-    - Each entry must be a configured member name.
-    - Duplicate entries are rejected — a chain is an order, not a set.
-
-    Auth-check timeout must be in ``[1, 30]`` seconds. Empty chain
-    is legal; it just disables solo dispatch.
-    """
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`routing` must be a mapping.")
-    chain_raw = d.get("solo_member_fallback_chain", [])
-    if not isinstance(chain_raw, list):
-        raise CouncilConfigError(
-            "`routing.solo_member_fallback_chain` must be a list "
-            f"(got {type(chain_raw).__name__})."
-        )
-    chain: list[str] = []
-    seen: set[str] = set()
-    for idx, entry in enumerate(chain_raw):
-        if not isinstance(entry, str) or not entry.strip():
-            raise CouncilConfigError(
-                f"routing.solo_member_fallback_chain[{idx}]: each "
-                f"entry must be a non-empty string (got {entry!r})."
-            )
-        if entry in seen:
-            raise CouncilConfigError(
-                f"routing.solo_member_fallback_chain[{idx}]: "
-                f"duplicate entry {entry!r} — chain order must be "
-                f"unique."
-            )
-        if entry not in members:
-            raise CouncilConfigError(
-                f"routing.solo_member_fallback_chain[{idx}]={entry!r}: "
-                f"no such member in the `members` block."
-            )
-        seen.add(entry)
-        chain.append(entry)
-    timeout_raw = d.get("auth_check_timeout_seconds", 3)
-    if (
-        not isinstance(timeout_raw, int)
-        or isinstance(timeout_raw, bool)
-        or not 1 <= timeout_raw <= 30
-    ):
-        raise CouncilConfigError(
-            "routing.auth_check_timeout_seconds must be an int in "
-            f"[1, 30] (got {timeout_raw!r})."
-        )
-    return RoutingConfig(
-        solo_member_fallback_chain=tuple(chain),
-        auth_check_timeout_seconds=timeout_raw,
-    )
-
-
-def _build_low_impact(
-    d: dict[str, Any],
-    *,
-    members: dict[str, MemberConfig],
-    routing: RoutingConfig,
-) -> LowImpactConfig:
-    """Parse ``low_impact`` block (step-9 P8 · U3).
-
-    ``dispatch: single`` is only legal when the routing fallback
-    chain has at least one enabled member — otherwise the loader
-    rejects with a clear error. A misconfigured opt-in must not
-    silently escalate to the full council on every call.
-    """
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`low_impact` must be a mapping.")
-    # Iron Law: `dispatch` is the only place where dispatch shape
-    # is configurable. Reject any `dispatch` key on the locked
-    # impact classes — covered separately at top-level by
-    # `_reject_top_level_locked_dispatch`.
-    dispatch = d.get("dispatch", "full")
-    if dispatch not in _VALID_DISPATCH_MODES:
-        raise CouncilConfigError(
-            f"low_impact.dispatch={dispatch!r} not in "
-            f"{sorted(_VALID_DISPATCH_MODES)}."
-        )
-    if dispatch == "single":
-        enabled_in_chain = [
-            name
-            for name in routing.solo_member_fallback_chain
-            if members.get(name) is not None and members[name].enabled
-        ]
-        if not enabled_in_chain:
-            raise CouncilConfigError(
-                "low_impact.dispatch='single' requires at least one "
-                "enabled member in routing.solo_member_fallback_chain "
-                f"(chain={list(routing.solo_member_fallback_chain)!r}). "
-                "Enable a chain member or set dispatch back to 'full'."
-            )
-    shadow_raw = d.get("shadow_sample_rate", 0.1)
-    if isinstance(shadow_raw, bool) or not isinstance(shadow_raw, (int, float)):
-        raise CouncilConfigError(
-            "low_impact.shadow_sample_rate must be a number "
-            f"(got {type(shadow_raw).__name__})."
-        )
-    shadow = float(shadow_raw)
-    if not 0.0 <= shadow <= 1.0:
-        raise CouncilConfigError(
-            "low_impact.shadow_sample_rate must be in [0.0, 1.0] "
-            f"(got {shadow!r})."
-        )
-    floor_raw = d.get("solo_confidence_floor", 0.7)
-    if isinstance(floor_raw, bool) or not isinstance(floor_raw, (int, float)):
-        raise CouncilConfigError(
-            "low_impact.solo_confidence_floor must be a number "
-            f"(got {type(floor_raw).__name__})."
-        )
-    floor = float(floor_raw)
-    if not 0.0 <= floor <= 1.0:
-        raise CouncilConfigError(
-            "low_impact.solo_confidence_floor must be in [0.0, 1.0] "
-            f"(got {floor!r})."
-        )
-    return LowImpactConfig(
-        dispatch=dispatch,
-        shadow_sample_rate=shadow,
-        solo_confidence_floor=floor,
-    )
-
-
-def _reject_top_level_locked_dispatch(raw: dict[str, Any]) -> None:
-    """Iron Law (step-9 P8/P11/P13 · U3) — reject locked-class dispatch keys.
-
-    Some authors will write `high_impact.dispatch: single` at the top
-    level (mirroring `low_impact.dispatch`) rather than nested under
-    `decision_resolution.classes`. Catch that shape too so the Iron
-    Law cannot be bypassed by surface choice. Also covers
-    `solo_confidence_floor` — meaningless on locked classes (they
-    never dispatch solo) and a confusing knob to leave reachable.
-    """
-    for cls in _LOCKED_IMPACT_CLASSES:
-        block = raw.get(cls)
-        if not isinstance(block, dict):
-            continue
-        if "dispatch" in block:
-            raise CouncilConfigError(
-                f"{cls}.dispatch={block['dispatch']!r}: dispatch is "
-                f"not configurable for high-impact / user-required "
-                f"decisions — always full council."
-            )
-        if "solo_confidence_floor" in block:
-            raise CouncilConfigError(
-                f"{cls}.solo_confidence_floor="
-                f"{block['solo_confidence_floor']!r}: irrelevant on "
-                f"high-impact / user-required classes — they never "
-                f"dispatch solo. Set on `low_impact` instead."
-            )
-
-
-def _build_cost_budget(d: dict[str, Any]) -> CostBudgetConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`cost_budget` must be a mapping.")
-    cb = CostBudgetConfig(
-        max_input_tokens=int(d.get("max_input_tokens", 500_000)),
-        max_output_tokens=int(d.get("max_output_tokens", 200_000)),
-        max_calls=int(d.get("max_calls", 50)),
-        max_total_usd=float(d.get("max_total_usd", 20.0)),
-    )
-    for fname in ("max_input_tokens", "max_output_tokens", "max_calls", "max_total_usd"):
-        val = getattr(cb, fname)
-        if val < 0:
-            raise CouncilConfigError(
-                f"cost_budget.{fname} must be >= 0 (got {val!r})."
-            )
-    return cb
-
-
-def _build_member(
-    name: str,
-    cfg: dict[str, Any],
-    *,
-    default_mode: str = "api",
-) -> MemberConfig:
-    if name not in _VALID_PROVIDERS:
-        raise CouncilConfigError(
-            f"members.{name}: unknown provider; valid: {sorted(_VALID_PROVIDERS)}."
-        )
-    member_enabled = bool(cfg.get("enabled", False))
-    model = cfg.get("model") or ""
-    api_key_ref = cfg.get("api_key_ref")
-    member_mode = cfg.get("mode")
-    if member_mode is not None and member_mode not in _VALID_MODES:
-        raise CouncilConfigError(
-            f"members.{name}.mode={member_mode!r} not in {sorted(_VALID_MODES)}."
-        )
-    effective_mode = member_mode or default_mode
-    binary = cfg.get("binary")
-    if binary is not None:
-        if not isinstance(binary, str) or not binary.strip():
-            raise CouncilConfigError(
-                f"members.{name}.binary must be a non-empty string when set."
-            )
-        if effective_mode != "cli":
-            raise CouncilConfigError(
-                f"members.{name}.binary is only valid when the member's "
-                f"effective mode is 'cli' (got {effective_mode!r}). Set "
-                f"`mode: cli` on the member or `defaults.mode: cli` to use "
-                f"this field."
-            )
-    if member_enabled:
-        if not model:
-            raise CouncilConfigError(
-                f"members.{name}: enabled members require a non-empty `model`."
-            )
-        # CLI-mode members authenticate via the subscription bound to
-        # the local CLI binary; api_key_ref is not required for them.
-        # Manual mode is human-transported and also key-free. Only
-        # api-mode members must supply an api_key_ref.
-        if effective_mode == "api" and not api_key_ref:
-            raise CouncilConfigError(
-                f"members.{name}: enabled api-mode members require an `api_key_ref`."
-            )
-    if api_key_ref is not None:
-        _validate_api_key_ref(f"members.{name}", api_key_ref)
-    ladder_raw = cfg.get("model_ladder") or ()
-    if not isinstance(ladder_raw, (list, tuple)):
-        raise CouncilConfigError(
-            f"members.{name}.model_ladder must be a list (got "
-            f"{type(ladder_raw).__name__})."
-        )
-    ladder: tuple[str, ...] = ()
-    if ladder_raw:
-        entries: list[str] = []
-        for entry in ladder_raw:
-            if not isinstance(entry, str) or not entry.strip():
-                raise CouncilConfigError(
-                    f"members.{name}.model_ladder entries must be non-empty "
-                    f"strings (got {entry!r})."
-                )
-            entries.append(entry)
-        if member_enabled and model and model not in entries:
-            raise CouncilConfigError(
-                f"members.{name}.model_ladder must include the active "
-                f"`model` ({model!r}); got {entries!r}."
-            )
-        ladder = tuple(entries)
-    participate_raw = cfg.get("participate_low_impact", False)
-    if not isinstance(participate_raw, bool):
-        raise CouncilConfigError(
-            f"members.{name}.participate_low_impact must be a bool "
-            f"(got {type(participate_raw).__name__})."
-        )
-    return MemberConfig(
-        name=name,
-        enabled=member_enabled,
-        model=model,
-        api_key_ref=api_key_ref,
-        mode=member_mode,
-        binary=binary,
-        model_ladder=ladder,
-        participate_low_impact=participate_raw,
-    )
-
-
-def _build_cli_call_budget(d: dict[str, Any]) -> CliCallBudgetConfig:
-    if not isinstance(d, dict):
-        raise CouncilConfigError("`cli_call_budget` must be a mapping.")
-    raw_caps = d.get("max_calls_per_day") or {}
-    if not isinstance(raw_caps, dict):
-        raise CouncilConfigError(
-            "`cli_call_budget.max_calls_per_day` must be a mapping."
-        )
-    caps: dict[str, int] = {}
-    for provider, value in raw_caps.items():
-        if provider not in _VALID_PROVIDERS:
-            raise CouncilConfigError(
-                f"cli_call_budget.max_calls_per_day.{provider}: unknown "
-                f"provider; valid: {sorted(_VALID_PROVIDERS)}."
-            )
-        if not isinstance(value, int) or isinstance(value, bool) or value < 0:
-            raise CouncilConfigError(
-                f"cli_call_budget.max_calls_per_day.{provider} must be a "
-                f"non-negative integer (got {value!r})."
-            )
-        caps[provider] = value
-    warn_at_raw = d.get("warn_at", 0.8)
-    if isinstance(warn_at_raw, bool) or not isinstance(warn_at_raw, (int, float)):
-        raise CouncilConfigError(
-            f"cli_call_budget.warn_at must be a number in [0.0, 1.0] "
-            f"(got {warn_at_raw!r})."
-        )
-    warn_at = float(warn_at_raw)
-    if not 0.0 <= warn_at <= 1.0:
-        raise CouncilConfigError(
-            f"cli_call_budget.warn_at must be in [0.0, 1.0] (got {warn_at})."
-        )
-    return CliCallBudgetConfig(max_calls_per_day=caps, warn_at=warn_at)
-
-
-def _build_advisor(name: str, cfg: dict[str, Any]) -> AdvisorConfig:
-    if not isinstance(cfg, dict):
-        raise CouncilConfigError(f"advisors.{name}: must be a mapping.")
-    member = cfg.get("member")
-    if member not in _VALID_PROVIDERS:
-        raise CouncilConfigError(
-            f"advisors.{name}.member={member!r} not a valid provider; "
-            f"valid: {sorted(_VALID_PROVIDERS)}."
-        )
-    # `persona` may be set explicitly; otherwise default to the
-    # convention path so the YAML stays terse.
-    persona = cfg.get("persona") or f"personas/advisors/{name}.md"
-    model = cfg.get("model")
-    if model is not None and not isinstance(model, str):
-        raise CouncilConfigError(
-            f"advisors.{name}.model must be a string when set."
-        )
-    return AdvisorConfig(
-        name=name,
-        enabled=bool(cfg.get("enabled", False)),
-        member=member,
-        persona=persona,
-        model=model,
-    )
-
-
-def _validate_api_key_ref(scope: str, ref: Any) -> None:
-    if not isinstance(ref, str) or not ref:
-        raise CouncilConfigError(f"{scope}.api_key_ref must be a non-empty string.")
-    if any(ref.startswith(prefix) for prefix in _RAW_KEY_PREFIXES):
-        raise CouncilConfigError(
-            f"{scope}.api_key_ref looks like a raw API key. "
-            f"Use `file:<path>` (0600) or `env:<VAR>` — never inline secrets."
-        )
-    if ref.startswith("file:"):
-        if not ref[len("file:"):].strip():
-            raise CouncilConfigError(f"{scope}.api_key_ref `file:` ref missing path.")
-        return
-    if ref.startswith("env:"):
-        if not ref[len("env:"):].strip():
-            raise CouncilConfigError(f"{scope}.api_key_ref `env:` ref missing variable name.")
-        return
-    raise CouncilConfigError(
-        f"{scope}.api_key_ref must start with `file:` or `env:` (got {ref!r})."
-    )
-
-
-def resolve_api_key(ref: str, *, scope: str = "api_key_ref") -> str:
-    """Resolve ``file:<path>`` or ``env:<VAR>`` to the raw key string.
-
-    ``file:`` — relative paths resolve under the user-global namespace
-    (``~/.event4u/agent-config/`` today, with the pre-2.4
-    ``~/.config/agent-config/`` tree read as a fallback). Mode must be
-    0o600. ``env:`` — reads from ``os.environ``; empty/missing is a
-    hard error. Never echoes the value.
-    """
-    _validate_api_key_ref(scope, ref)
-    if ref.startswith("env:"):
-        var = ref[len("env:"):].strip()
-        if not var:
-            raise CouncilConfigError(f"{scope}: `env:` ref missing variable name.")
-        value = os.environ.get(var, "").strip()
-        if not value:
-            raise CouncilConfigError(f"{scope}: env var {var!r} is unset or empty.")
-        return value
-    spec = ref[len("file:"):].strip()
-    if not spec:
-        raise CouncilConfigError(f"{scope}: `file:` ref missing path.")
-    path = Path(spec).expanduser()
-    if not path.is_absolute():
-        found = user_global_paths.resolve_with_fallback(spec)
-        if found is None:
-            target = user_global_paths.write_target(spec)
-            raise CouncilConfigError(
-                f"{scope}: key file not found at {target} (or legacy fallback)."
-            )
-        path = found
-    if not path.exists():
-        raise CouncilConfigError(f"{scope}: key file does not exist at {path}.")
-    mode = stat.S_IMODE(path.stat().st_mode)
-    if mode != 0o600:
-        raise CouncilConfigError(
-            f"{scope}: unsafe permissions on {path}: got {oct(mode)}, expected 0o600. "
-            f"Fix:  chmod 600 {path}"
-        )
-    value = path.read_text(encoding="utf-8").strip()
-    if not value:
-        raise CouncilConfigError(f"{scope}: key file at {path} is empty.")
-    return value
-