Implement Phase 0b base project against the frozen test contract

All seven services (gateway, ledger, fraud, sanctions, insights, notifier,
audit), db/schema.sql plus optional_indexes.sql, scripts/seed.py and
smoke.py, the gateway-served frontend, and docker-compose.yml. Plain-text
stdlib logging and a weak manual X-Request-Id only -- no observability yet,
by design, per test_no_observability.py. Implements all 13 named chaos-flag
pathologies from docs/PATHOLOGIES.md behind Redis-backed runtime flags.

make smoke and make test-contract pass; make test-baseline and
make test-pathology pass except for a handful of load-sensitive tests
documented in tests/README.md rather than papered over.

services/fraud/app.py

@@ -0,0 +1,77 @@
+import httpx
+from fastapi import FastAPI, Request
+from fastapi.responses import JSONResponse
+from pydantic import BaseModel
+
+from common.http import downstream_client
+from common.logging_config import configure_logging
+from common.redis_client import redis_client
+from common.settings import settings
+
+from . import chaos
+from .scoring import score
+
+SERVICE_NAME = "fraud"
+logger = configure_logging(SERVICE_NAME)
+app = FastAPI(title=SERVICE_NAME)
+
+
+class ScoreRequest(BaseModel):
+    account_id: str
+    holder_name: str
+    category_id: int | None = None
+    amount_minor: int
+    request_id: str = "unknown"
+
+
+@app.get("/")
+async def root():
+    return {"service": SERVICE_NAME, "version": "0.1.0"}
+
+
+@app.get("/healthz")
+async def healthz(request: Request):
+    if request.headers.get("X-Ledgerline-Probe") == "chatty-health":
+        logger.info("received chatty-health healthz probe from gateway")
+    return {"status": "ok", "service": SERVICE_NAME}
+
+
+@app.get("/readyz")
+async def readyz():
+    try:
+        await redis_client.ping()
+    except Exception as exc:
+        logger.exception(f"readyz check failed: {exc}")
+        return JSONResponse(status_code=503, content={"status": "unavailable"})
+    return {"status": "ok"}
+
+
+@app.post("/internal/score")
+async def score_transaction(body: ScoreRequest):
+    logger.info(f"scoring account {body.account_id} request_id={body.request_id}")
+    await redis_client.incr("fraud:calls_total")
+
+    if await chaos.blocking_event_loop_enabled():
+        logger.info(f"blocking_event_loop chaos engaged for request_id={body.request_id}")
+        chaos.synchronous_cpu_work()
+
+    async with downstream_client(body.request_id) as client:
+        try:
+            resp = await client.post(
+                f"{settings.sanctions_url}/internal/lookup",
+                json={"holder_name": body.holder_name, "request_id": body.request_id},
+            )
+        except httpx.TimeoutException:
+            logger.exception(f"sanctions lookup timed out for request_id={body.request_id}")
+            return JSONResponse(status_code=504, content={"error": "sanctions lookup timed out"})
+        except httpx.RequestError as exc:
+            logger.exception(f"sanctions lookup failed for request_id={body.request_id}: {exc}")
+            return JSONResponse(status_code=502, content={"error": "sanctions lookup failed"})
+
+    if resp.status_code >= 300:
+        logger.info(f"sanctions returned {resp.status_code} for request_id={body.request_id}")
+        return JSONResponse(status_code=502, content={"error": "sanctions lookup failed"})
+
+    matched = resp.json().get("matched", False)
+    risk_score = score(body.category_id, matched)
+    return {"risk_score": risk_score, "matched": matched}