USER-S v1.0: U.S. SCFL Economic Rupture Sentinel

USER-S v1.0 is a monthly SCFL-based observatory that evaluates structural coherence and rupture risk across four U.S. economic domains: Banking & Credit (US-BKR), Commercial Real Estate (US-CRE), Household Leverage (US-HH-LEVER), and Macro Coherence (US-MACRO-COH). This release includes the frozen specification, implementation appendix, cadence addendum, and the Zero-Month Baseline output file for March 2026. Parent frameworks: GCM / NRSCO / SCFL. Upstream Coherence Measurement Stratum (UCMS).