Wire minimal project-heartbeat runtime state

HEARTBEAT.md

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+# HEARTBEAT.md
+
+# Task progress / silence guardrails
+# - When Tao assigns a task that takes > a few minutes, acknowledge quickly with Plan + ETA.
+# - Then send updates at *milestones* (not time-based spam).
+# - If ETA slips or a tool/process is still running unusually long, proactively message Tao with: status + blocker + next step.
+#
+# Project-heartbeat runtime rule
+# - If `memory/project-heartbeat-state.json` exists and contains an active project with state `armed`, treat it as a live anti-silence timer.
+# - Compare now vs `lastUserVisibleUpdateAt`.
+# - If elapsed time >= `timeoutMin`, switch mentally to `checking` and inspect:
+#   1) worker/session traces
+#   2) CURRENT_STATE.md
+#   3) known blockers (launch/model/auth/tool/path/scope/policy/external)
+# - Then send a real user-visible status update (who / status / output / next).
+# - After sending the update, treat the timer as reset from now.
+# - If the project state is `done`, `paused`, `failed`, or `cancelled`, do not send heartbeat progress nudges.
+#
+# Periodic check (lightweight): look for any "in-flight" work mentioned in today's memory notes or running background processes;
+# if found and Tao hasn't been updated recently, send a short milestone/status update.
+