context loading, path resolution, form state, dynamic rules, and provider-neutral assessment runner/cache boundary

examples/runtime/concept-note-assessment.contract.md

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+# Concept Note Assessment Contract
+
+```yaml contract
+id: concept-note-assessment-v1
+document:
+  type: concept-note
+fields:
+  status:
+    type: string
+    required: true
+    enum: [draft, review, accepted]
+sections:
+  - id: concept
+    title: Concept
+    presence: required
+    level: 2
+  - id: utility
+    title: Utility
+    presence: required
+    level: 2
+rubrics:
+  - id: utility-is-practical
+    scope: section.utility
+    criteria: The utility section should explain who benefits, what changes in practice, and how success can be recognized.
+    threshold: 0.75
+    severity: warning
+```