Clean prepaid SoT, identity mailbox, public access planes, leaf policy, fleet spawn

Persist account-balance books; edge caches prepaid from books. Add zappier-identity, verae-nats-accounts, verae-jobs-events, verae-access-staff, zapier-decisions. Edge binds loopback; lan-134 stays off; HTTP services prefer local spawn.

docs/sphinx/modules/verae-nats-accounts/policy.md

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+# `verae-nats-accounts/policy`
+
+**Package:** `verae-nats-accounts`  
+**Source:** `packages/verae-nats-accounts/src/policy.js`  
+**Lines:** 15
+
+## What this module is
+
+Implementation module in `verae-nats-accounts`. The tables below are extracted from the source (signatures + JSDoc).
+
+## Exports
+
+`loadPolicy`, `leafAllowed`
+
+## Types / interfaces / classes
+
+_None extracted._
+
+## Functions
+
+| Name | Parameters | Param types (JSDoc) | Returns | Calls (same file / helpers) |
+|------|------------|---------------------|---------|-----------------------------|
+| `loadPolicy` | `(none)` | — | `unknown` | see Call graph |
+| `leafAllowed` | `subject` | — | `unknown` | see Call graph |
+
+## What it imports / requires
+
+- `node:fs`
+- `node:path`
+- `node:url`
+
+## Call graph (identifiers invoked)
+
+`join`, `dirname`, `fileURLToPath`, `loadPolicy`, `parse`, `readFileSync`, `leafAllowed`, `some`, `endsWith`, `startsWith`
+
+Each identifier is a call site in this file. Follow the import list to see the defining module; open that module’s MD for parameter and return types.
+
+## Return values (how to read this)
+
+- HTTP route handlers return Express `res.json(...)` bodies (see route docs).
+- Zapier `perform` functions return a **single object** (creates) or an **array** (triggers/searches).
+- Pricing functions return integer **cents** on `Quote.totalCents`.
+

docs/sphinx/modules/verae-nats-accounts/policy.rst

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+verae-nats-accounts.policy
+==========================
+
+Generated API sheet for ``verae-nats-accounts/policy``.
+
+.. include:: policy.md
+   :parser: myst_parser.sphinx_