feat(s36): PricingContract + fail-fast loader + placeholder path + quality guidance

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_0145ZKPLMVeqM47z2jxxokym

tests/test_costsim_loadbearing.py

@@ -13,8 +13,23 @@ import subprocess
 import sys
 from pathlib import Path
 
+import pytest
+
+from portfolio_optimiser import costsim
+
 _COSTSIM = Path(__file__).resolve().parents[1] / "src" / "portfolio_optimiser" / "costsim.py"
 
+_PRICING = {
+    "source": "loadbearing-test prices",
+    "date": "2026-07-15",
+    "models": {
+        "m-known": {
+            "ore_per_1k_tokens": 20,
+            "quality_guidance": {"note": "known model", "source": "test-src"},
+        }
+    },
+}
+
 
 def test_costsim_registered_maf_free() -> None:
     """Meta: costsim.py is registered in the MAF-free guard list, so ``test_okf_is_maf_free``
@@ -43,3 +58,38 @@ def test_costsim_import_is_maf_free() -> None:
     )
     result = subprocess.run([sys.executable, "-c", check], capture_output=True, text=True)
     assert result.returncode == 0, result.stderr
+
+
+def test_missing_price_for_model_fails_fast() -> None:
+    """SC1: a genuine (non-placeholder) model absent from the price map fails fast. Detach point:
+    remove the presence-check raise in ``_price_ore_per_1k`` → a guessed/0 price is returned → RED."""
+    pricing = costsim.PricingContract(**_PRICING)
+    with pytest.raises(ValueError, match="missing price for"):
+        costsim._price_ore_per_1k("m-unknown", pricing)
+
+
+def test_priced_model_returns_ore_rate() -> None:
+    """Control for the fail-fast seam: a priced model returns its øre rate (proves the raise fires
+    only on genuine absence, not always)."""
+    pricing = costsim.PricingContract(**_PRICING)
+    assert costsim._price_ore_per_1k("m-known", pricing) == 20
+
+
+def test_placeholder_model_is_unpriced() -> None:
+    """The defined azure-placeholder path: a ``REPLACE-WITH-*`` deployment id returns ``None`` (not
+    priced, not a crash) — so ``--profile azure`` (all placeholders) is well-defined."""
+    pricing = costsim.PricingContract(**_PRICING)
+    assert costsim._price_ore_per_1k("REPLACE-WITH-FOUNDRY-DEPLOYMENT", pricing) is None
+
+
+def test_quality_guidance_is_sourced_never_number() -> None:
+    """Brief Goal 4: per-model quality trade-offs are sourced GUIDANCE (prose note + provenance
+    source), never a bare measured number. Detach point: ship a guidance entry without a source →
+    the ``QualityGuidance.source`` (min_length=1) requirement makes load RED."""
+    pricing = costsim.load_pricing()
+    guided = [p for p in pricing.models.values() if p.quality_guidance is not None]
+    assert guided, "bundled pricing must carry per-model quality guidance"
+    for price in guided:
+        assert price.quality_guidance is not None
+        assert price.quality_guidance.source.strip()
+        assert price.quality_guidance.note.strip()