Draft: docs: record covariance estimator decision #5

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ageorge156 wants to merge 19 commits from codex/research-artifact-contract-20260821 into codex/ledger-attribution-20260821
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@@ -24,12 +24,14 @@
## Verification
- `pytest -q`: 529 passed,9 个既有 SciPy warning;
- risk/artifact focused coverage 87.85%;
- `pytest -q`: 540 passed,9 个既有 SciPy warning;
- data-adapter focused coverage 77%(包含未连接真实 ClickHouse 的 I/O 便捷函数);
- `mypy --strict src/`: 16 source files passed;
- changed-scope Ruff: passed;
- no runtime dependency added;
- no database, network, broker or filesystem write side effect in artifact builder。
- 三仓隔离 ClickHouse 黄金链路通过:市场价格 → return snapshot → covariance → artifact →
publisher → reader;使用随机 localhost 端口、tmpfs 和自动容器清理。
## Current risk contract