feat(psychometric): recover ESEM loadings and refuse reverse DSEM lags

[seonghobae]

Summary

• ADR 0005 still required a CPU f64 ESEM/DSEM fit path that does not treat raw topic proportions as Euclidean indicators.
• Adds standalone psychometric_fit: OLS recovers known exploratory cross-loadings from admitted ALR/ILR/logistic-normal coordinates; recovered RMSE is below a zero-loading collapse.
• DSEM lagged paths are admitted only when the predictor is strictly earlier in event time.
• A good global fit cannot reclassify formative or network constructs as reflective.
• Does not recreate psychometric_core (feat(psychometric): posterior ESEM input gates with true-parameter RMSE #49 owns input gates) and does not allocate migration 0007/0008 (#45 still owns 0007).

Claim boundary

• OLS loading recovery and event-time lag gates only. Not rotation, posterior pooling, invariance, or a full ESEM/DSEM sampler.
• Not a certification, attestation, or causal-identification claim.

Test plan

• RED: esem_dsem_fit_contract failed before the crate existed
• cargo test -p psychometric_fit --offline --lib --tests
• cargo clippy -p psychometric_fit --all-targets --offline -- -D warnings
• cargo llvm-cov -p psychometric_fit authored lines 108/108; nightly-2026-08-01 branches 30/30
• docstring, workspace, and documentation gates
• Exact-head CI and independent review

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