refactor: make sdd-lab review-driven (WealthLedger/specs#66)

Replace executable schema checks with explicit review-driven readiness, add a requirement-writing profile, and incorporate review clarifications for source traceability and comparative validation.

openspec/schemas/wealth-ledger-sdd-lab/templates/research.md

@@ -1,7 +1,7 @@
 # Product Research
 
-<!-- guide: Input context, not a requirement source. Every claim is marked
-     [F] fact with source, [I] interpretation or [H] hypothesis. Remove guides. -->
+<!-- Входной контекст, не источник требований. Каждое утверждение помечено:
+     [F] факт с источником, [I] интерпретация, [H] гипотеза. -->
 
 ## Problem Statement
 
@@ -11,7 +11,7 @@
 
 ## Existing Solutions and Alternatives
 
-| Option | What it does | Strengths | Weaknesses | Source |
+| Вариант | Что делает | Сильные стороны | Слабые стороны | Источник |
 | --- | --- | --- | --- | --- |
 
 ## Evidence & Sources
@@ -24,5 +24,5 @@
 
 ## Recommendation
 
-<!-- guide: build / do not build / narrow scope / research more, with reasons.
-     "Do not build" is a valid outcome. -->
+<!-- делать / не делать / сузить scope / исследовать дальше — с причинами.
+     «Не делать» — допустимый итог. -->