refactor: flatten pages structure and update setup.php for Git Sync

- Move pages/{fqdn}/pages/* to pages/{fqdn}/*
- Update setup.php to look at /user/pages/{hostname}
- Prepare for Git Sync to sync pages/ to user/pages/

pages/plan.knownelement.com/05.policies/default.md

@@ -0,0 +1,27 @@
+---
+title: 'KNEL — Policy Drafts (STEP0)'
+menu: 'KNEL — Policy Drafts (STEP0)'
+---
+
+# KNEL — Policy Drafts (STEP0)
+
+Intercompany Recharge Policy (Draft)
+- Purpose: keep internal billing simple; prioritize shipping.
+- Base infra (~$100/mo) absorbed by KNEL until businesses have revenue; then nominal flat recharge may begin (to be confirmed with CPA).
+- Monthly invoicing via Dolibarr; $0 allowed when below threshold.
+
+Investment Recovery Policy (Draft)
+- Track larger historical balances (e.g., RackRental/Suborbital) as intercompany loans; repay before distributions.
+- Initial interest 0% unless CPA advises otherwise.
+
+Access and Identity Policy (Draft)
+- OIDC SSO is authoritative; no local accounts. Quarterly access reviews.
+
+Backup/DR Policy (Draft)
+- Tiers and RPO/RTO targets to be confirmed; quarterly restore tests.
+
+Matomo Analytics Policy (Draft)
+- Per-business site IDs; portfolio roll-up dashboard; 12–24 month retention.
+
+Documenso Templates Policy (Draft)
+- Templates: JV, Intercompany Agreement, SOW, NDA (prioritization pending).