Add enterprise usage cost allocation guard

[ethanmillerinvestments-code]

Summary

• Adds a dependency-free enterprise usage cost-allocation and grant chargeback guard for Enterprise Tooling.
• Reconciles synthetic storage, compute, submission, and AI-review usage against lab cost centers, grants, funding windows, owner sponsorship, private-project visibility, and immutable evidence.
• Emits admin dashboard decisions for approved spend, hold queues, reallocation actions, and private-review aggregation.
• Includes JSON, Markdown, SVG, and MP4 reviewer artifacts.

Non-overlap

This targets usage cost allocation and chargeback safety. It does not implement a broad dashboard, export pipeline, webhook replay ledger, compliance evidence packet, identity provisioning, retention/legal hold, data residency, SLA, secret rotation, quota, API-change governance, connector certification, incident response, funder reporting, AI-model governance, dashboard attribution, initiative-tag governance, policy exception workflow, IRB/consent review, data-export approval, SCIM deprovisioning, deposit reconciliation, or admin notification escalation.

Validation

• npm run check
• npm test
• npm run demo
• ffprobe -v error -show_entries format=duration,size -show_entries stream=codec_name,width,height,pix_fmt -of default=noprint_wrappers=1 reports/demo.mp4
• git diff --check
• git diff --cached --check

/claim #19