Development record

`.abcd/development/brief/04-surfaces/37-reserve.md:81` says the holder-id mint judges each folder, so that abcd's home folder writable by another account refuses before anything is minted or pushed. For a folder this account owns, every command first takes the group and other bits off it (`narrowHome`, `internal/surface/cli/homestop.go:60`; `NarrowToOwner`, `internal/fsutil/home.go:837`), so `mintHolderID` (`internal/core/claim/holderid.go:408`) never sees it exposed and no refusal follows. The refusal is left only for a folder another account owns.