quota: z.ai credit-bucket back-pressure + resource gate + usage accounting (Redmine 490+491)

The loop now consults quota and host state before every dispatch and
DEFERS gated work with a logged reason instead of letting turns die at
the provider (the 2026-08-28 19:00 quota-wall failure mode, replayed as
a test). Adds internal/quota: 5h/weekly credit buckets (provider poll
when z.ai ships an endpoint - fake-server tested - else locally
estimated from the documented credit formula), TZ-aware peak window
(default 01:00-05:00 America/Chicago weekdays, matching the documented
z.ai peak Mon-Fri 14:00-18:00 Singapore), block/defer thresholds, a
read-only load/mem/disk/IO-PSI monitor, an optional redis shared-state
hop (stdlib RESP2 mini-client) so all instances of an account
coordinate, per-class token+credit accounting in loop.jsonl, and
`harness quota status|probe|gate`. Config: [quota] + [resources]
sections; README runbook covers the redis container and deploy-time
cgroup enforcement.

💘 Generated with Crush

Assisted-by: Crush:glm-5.2

internal/loop/daemon_test.go

@@ -27,6 +27,7 @@ type fakeRedmine struct {
 		status    string
 		updatedOn string
 		notes     []string
+		class     string
 	}
 	statusIDs map[string]int
 	noted     []string // issue ids that got a note, in order
@@ -41,6 +42,7 @@ func newFakeRedmine(t *testing.T) *fakeRedmine {
 			status    string
 			updatedOn string
 			notes     []string
+			class     string
 		}{},
 		statusIDs: map[string]int{"New": 1, "In Progress": 2, "Done": 3},
 	}
@@ -56,8 +58,12 @@ func newFakeRedmine(t *testing.T) *fakeRedmine {
 				b.WriteString(",")
 			}
 			first = false
-			fmt.Fprintf(&b, `{"id":%s,"subject":%q,"description":"do the thing","updated_on":%q,"status":{"name":%q},"custom_fields":[{"name":"Class","value":"primary"}]}`,
-				id, is.subject, is.updatedOn, is.status)
+			class := is.class
+			if class == "" {
+				class = "primary"
+			}
+			fmt.Fprintf(&b, `{"id":%s,"subject":%q,"description":"do the thing","updated_on":%q,"status":{"name":%q},"custom_fields":[{"name":"Class","value":%q}]}`,
+				id, is.subject, is.updatedOn, is.status, class)
 		}
 		b.WriteString(`]}`)
 		w.Header().Set("Content-Type", "application/json")
@@ -131,6 +137,11 @@ func newFakeRedmine(t *testing.T) *fakeRedmine {
 }
 
 func (f *fakeRedmine) addIssue(id, subject, status, updatedOn string) {
+	f.addIssueClass(id, subject, status, updatedOn, "primary")
+}
+
+// addIssueClass registers an issue with an explicit Class custom field.
+func (f *fakeRedmine) addIssueClass(id, subject, status, updatedOn, class string) {
 	f.mu.Lock()
 	defer f.mu.Unlock()
 	f.issues[id] = struct {
@@ -138,7 +149,8 @@ func (f *fakeRedmine) addIssue(id, subject, status, updatedOn string) {
 		status    string
 		updatedOn string
 		notes     []string
-	}{subject: subject, status: status, updatedOn: updatedOn}
+		class     string
+	}{subject: subject, status: status, updatedOn: updatedOn, class: class}
 }
 
 func (f *fakeRedmine) setUpdatedOn(id, updatedOn string) {