Complete TEGWICK-WP-0002 personal project intake scaffold

Establish the capture-to-commitment pipeline with INTAKE.md, structured
agent-tasks/ and decisions/ layouts, and seed the first prioritized
workstream (TEGWICK-WP-0003 Binky critical path visibility).

agent-tasks/binky-surface-critical-path.md

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+# Agent Task: Surface Binky critical path
+
+Status: ready  
+Workplan: TEGWICK-WP-0003  
+Area: binky
+
+## Goal
+
+Populate `areas/binky-company.md` with an initial critical-path view: open
+obligations, survival risks, business model options, and the next visible
+surfaces — without making legal, tax, or financial conclusions.
+
+## Context
+
+Binky is A3 Critical in `PROJECT_LANDSCAPE.md`. The area card is still seed
+content. TEGWICK-WP-0003 breaks visibility work into structured tasks. This
+agent task covers the drafting pass across T01–T03.
+
+Human must supply or confirm factual details (dates, amounts, filing status).
+Use `[NEEDS HUMAN INPUT]` markers where facts are unknown.
+
+## Inputs
+
+- `areas/binky-company.md`
+- `PROJECT_LANDSCAPE.md`
+- `WORKPLAN.md` (Phase 2)
+- `workplans/TEGWICK-WP-0003-binky-critical-path.md`
+- `INTAKE.md`, `AGENT_RULES.md`
+
+## Allowed Changes
+
+The agent may:
+
+- edit `areas/binky-company.md` (Current State, Commitments, Options, Risks,
+  Open Decisions, Next Surface);
+- add clearly marked placeholders for unknown facts;
+- propose draft entries for `TASKS.md` (T04, T05) as commented suggestions in
+  the area card, not as live commitments.
+
+## Forbidden Changes
+
+The agent must not:
+
+- state legal, tax, or accounting conclusions as facts;
+- create payment, filing, or contract instructions;
+- add secrets, credentials, or private account data;
+- mark items as commitments in `TASKS.md` without explicit human approval;
+- change Binky's activation level;
+- create or modify other repositories.
+
+## Expected Output
+
+Updated `areas/binky-company.md` containing:
+
+1. **Open obligations** — legal, tax, accounting (with unknowns marked).
+2. **Survival risks** — ranked by urgency where possible.
+3. **Business model options** — separated from commitments.
+4. **Next surface** — what human review should tackle first.
+
+## Acceptance Criteria
+
+- Area card is no longer generic seed text in the critical-path sections.
+- Options and commitments are clearly separated.
+- No item is presented as resolved fact without source or human confirmation.
+- TEGWICK-WP-0003 T01–T03 can be marked done after human review of the draft.
+
+## Human Approval Required For
+
+- Converting any draft item into a `TASKS.md` commitment;
+- Changing activation level;
+- Any statement presented as legal, tax, or financial fact;
+- Contacting advisors, authorities, or third parties.