Ln 634 Test Coverage Auditor

Scans your codebase for critical logic that lacks test coverage, focusing on five high-risk categories: money flows, auth and permissions, data integrity, algorithms, and domain rules. Uses a two-layer detection to avoid false positives like UI helpers that happen to contain payment keywords. Downgrades findings when E2E tests already cover the path or when it's just a tiny helper function. Emits ADD_MISSING findings with severity based on actual risk (priority 20+ for money and security, 15+ for data and core flows), calculates a compliance score, and writes a full report. Useful when you need to audit whether your actually dangerous code paths have tests, not just chase coverage percentages.