New homepage: the insurability layer · the Insurability Index

The second A/B pivot, ported from the mock-up into our stack. v0.12.0 leads on insurability: carriers are filing to exclude AI, and the way back is evidence an underwriter will accept.

• New homepage. Hero with a live sample Insurability Index card (score counts up on scroll, five weighted dimensions, the accept/fund/fix doors), a standards strip, the questionnaire-vs- evidence comparison, the six-level ladder (L0 Unmapped → L5 Underwritten) as an interactive selector showing what each level buys and the evidence it needs, the five weighted dimensions, the two audiences (Mandate for enterprises, Ledger for brokers and carriers), the three-door mechanic with no fourth door, and the FAQ.
• Both previous homepages are now nav-linked pages, alongside staying selectable in the switcher: You own the risk (v0.10.0) and The grant is not the mandate (v0.11.0), both under The problem. Neither duplicates a byte — they are manifest entries pointing at outputs that already exist.
• Never-in-line held. The mock-up's footer tagline said "Enforce the mandate"; the body already said the opposite ("Do you sit in the runtime path? Never"). The footer now reads Own the mandate, and a smoke assertion fails the build if enforcement language reappears on any homepage we still ship.
• The market statistics did not ship. The mock-up asserted 60+ carrier filings, an 80% approval rate, and three specific ISO form numbers with effective dates. Those are checkable claims about the real world that we cannot source from here, and a homepage is the worst place to carry a number that ages. The section makes the same argument qualitatively and says the specifics belong in the dated assessment. Smoke asserts the figures stay off the page.
• House style adopted from coding.sgit.ai: per-block property alignment in CSS, every colour a token (four literal hex values that slipped in were replaced), plain semantic class names, data-* as the behaviour hook, and native custom elements with no framework or bundler — which the vault already did. Geist/Inter/JetBrains web fonts and their CDN preconnect were dropped for the system stack, as with the previous pivot.
• Smoke: 20 groups, including the Index card and ladder behaviours and the guards above.