feat(consume): the payload says what of the question it reached, and row 4 reads it

`coverage` carries three lists: the terms the pre-pass read the question as,
the terms no concept in the bundle answers, and the terms no delivered
excerpt answers. Without it a reader holding eight excerpts cannot tell a
bundle that ANSWERED its question from one that merely ranked something --
the two payloads have the same shape.

FACTS, AND NO VERDICT, which is a measurement and not caution. Two readings
were built and both falsified over 81 questions (16 synthetic, 65 across the
three real sets, 2026-09-20): the share of question terms a delivered
excerpt answers separates the synthetic controls at 0.33 against 0.50 and
REVERSES on real data (covered questions down to 0.27, one genuinely
uncovered question at 0.71); the share of a bundle tying the best lexical
match is ~0.00 for every real question either way. Question style dominates
the first, corpus size the second.

The one bar this repository declares is the gate's: `UNANSWERED_BAR = 2/3`
over `unanswered_in_bundle`, swept and collapsing at both ends -- at 0.50
eleven real covered questions are marked, at 0.70 the row falls to 5 of 6,
at 2/3 the row is 6 of 6 and 0 of 65 real questions are marked. The margin
is thin (0.6087 against 0.6667) and is published that way, together with
what it does not catch: r761-sk2's own known-negative sits at 0.2857.

Row 4: 3 of 6 RED -> 6 of 6 GREEN, with the 10 answered synthetic questions
held unmarked as the known-negative. The contract's SS 8 gains point 7, the
consumption skill is told to read the block, and the SS 7.4 known-positive
moves with the document (14 721/375 -> 16 389/417). Suite 2292 passed.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>

skills/okf-consume/references/example-payload.json

@@ -11,10 +11,10 @@
     "spent": 2289,
     "known_positive": {
       "case": "docs/consumption-contract.md, encoded as a JSON string",
-      "expected": 14721,
-      "measured": 14721,
-      "raw_bytes": 14346,
-      "encoding_delta": 375
+      "expected": 16389,
+      "measured": 16389,
+      "raw_bytes": 15972,
+      "encoding_delta": 417
     }
   },
   "denominators": {
@@ -23,6 +23,22 @@
     "delivered": 3
   },
   "question": "Hva sier veiledningen om krav?",
+  "coverage": {
+    "question_terms": [
+      "hva",
+      "sier",
+      "veiledningen",
+      "krav"
+    ],
+    "unanswered_in_bundle": [
+      "hva",
+      "sier"
+    ],
+    "unanswered_in_payload": [
+      "hva",
+      "sier"
+    ]
+  },
   "excerpts": [
     {
       "bundle_id": "b-golden-segmented-okf-v0-2",