fix(hermes): separate policy observations from fault findings

Contract design defect: 'uses a non-harness provider' (POLICY) and
'cannot authenticate' (FAULT) were printed as the same violation class.
A policy observation must never be phrased as if the agent were broken.

Changes:
1. Added 'Violation Classification' section to all three contracts
2. Separated POLICY (observation only) from FAULT (requires request-level evidence)
3. Rules:
   - Do NOT infer runtime credential resolution from config text alone
   - Require request-level evidence before calling a FAULT: observed auth failure
     or absence of successful calls
   - If calls are succeeding, output is 'POLICY: uses <provider> directly; calls
     succeeding' - not a violation
   - State what you OBSERVED, not what the field implies

Files changed (3):
- hermes-key-enforcement.prose.md
- hermes-config-template.prose.md
- hermes-agent-baseline.prose.md

hermes-config-template.prose.md

@@ -217,6 +217,26 @@ When LiteLLM keys are regenerated (e.g., after infrastructure changes):
 3. **After update**: Restart Hermes on the agent host
 4. **Verify**: `curl -H "Authorization: Bearer sk-<KEY>" http://192.168.68.116/v1/models`
 
+## Violation Classification
+
+When reporting findings, separate POLICY observations from FAULT findings:
+
+### POLICY (observation only, not a fault)
+- Agent uses a non-internal-harness provider (e.g., direct DeepSeek, Tencent, OpenRouter)
+- Config text has a field that looks unusual but the agent's calls are succeeding
+- Example: "POLICY: Koonimo uses deepseek directly; calls succeeding in last hour"
+
+### FAULT (requires request-level evidence)
+- Agent's calls are failing with auth errors (401/403 in logs)
+- Agent's config has no valid API key AND calls are failing
+- Example: "FAULT: Koby's LiteLLM key expired; 401 observed at 2026-09-14 11:42:00"
+
+### Rules
+1. Do NOT infer the runtime's credential resolution from config text alone.
+2. Require request-level evidence before calling something a FAULT: an observed auth failure in the agent's log, or the absence of successful calls in the window.
+3. If calls are succeeding, the correct output is "POLICY: uses <provider> directly; calls succeeding" - not a violation.
+4. State what you OBSERVED, not what the field implies.
+
 ## Configuration Rules
 
 ### Rule 1: Shared Infra Is Locked