Resolve payment credential and CRM pipeline commitment boundaries

Add research on PCI/tokenized payment references vs login Credentials (Payment
Instrument Reference, Payment Mandate) and CRM Opportunity promotion thresholds
(Pipeline Pursuit, binding_trigger). Resolve OpenQuestions for both topics.
Update glossary, conceptual model, terminology, and downstream recommendations.

research/commercial-identity/salesforce-crm-commercial-record.md

@@ -73,14 +73,20 @@ a company or household you sell to, distinct from **Contact** (people) and **Use
 | Account-Contact Relationship | Affiliation / Representation |
 | Account hierarchy | Organization structure Relationship |
 | Lead | Prospective Commercial Record (weak) |
-| Opportunity | Commercial Commitment (pipeline stage) |
+| Opportunity | Pipeline Pursuit (promotes to Commercial Commitment on binding trigger) |
 | User | Account (internal operator) |
 | Person Account | Commercial Record + Natural Person (combined projection) |
 
 ## Open Questions
 
-- Should pipeline Opportunity map to Commercial Commitment subtype or downstream only?
 - How should Person Account be discouraged in canon-aligned adapters?
+- Renewal Opportunity — Pipeline Pursuit vs. commitment amendment.
+
+## Resolved (see crm-pipeline-commitment-threshold.md)
+
+- Opportunity → **Pipeline Pursuit**; Commercial Commitment only on binding trigger
+  (signed LOI/quote, executed PO/contract, active subscription). Forecast "Commit"
+  category is not Commercial Commitment.
 
 ## References