policy: ban --no-verify, fix broken PRs before new work (#139)

Changes:
- Pre-commit hook: fixed stale black+isort reference to ruff, clarified no-bypass policy
- Loop prompt: Phase 1 is now FIX BROKEN PRS FIRST before any new work
- Loop prompt: --no-verify banned in NEVER list and git hooks section
- Loop prompt: commit step explicitly relies on hooks for format+test, no manual tox
- All --no-verify references removed from workflow examples

1516 tests passing, 76.7% coverage.

Co-authored-by: Kimi Agent <kimi@timmy.local>
Reviewed-on: http://localhost:3000/rockachopa/Timmy-time-dashboard/pulls/139
Co-authored-by: hermes <hermes@timmy.local>
Co-committed-by: hermes <hermes@timmy.local>

.githooks/pre-commit

@@ -1,6 +1,5 @@
 #!/usr/bin/env bash
-# Pre-commit hook: auto-format, then test via tox.
+# Pre-commit hook: auto-format + test. No bypass. No exceptions.
-# Blocks the commit if tests fail. Formatting is applied automatically.
 #
 # Auto-activated by `make install` via git core.hooksPath.
 
@@ -8,8 +7,8 @@ set -e
 
 MAX_SECONDS=60
 
-# Auto-format staged files so formatting never blocks a commit
+# Auto-format staged files
-echo "Auto-formatting with black + isort..."
+echo "Auto-formatting with ruff..."
 tox -e format -- 2>/dev/null || tox -e format
 git add -u