feat: méthode TIM experte CPAM + moteur de règles étendu

CPAM — Méthode TIM (mémoire en défense) :
- Réécriture CPAM_ARGUMENTATION avec raisonnement 5 passes TIM
  (contexte admin → motif réel → confrontation bio → hiérarchie → validation défensive)
- _BIO_THRESHOLDS (19 entrées) + _build_bio_confrontation() pour
  confrontation biologie/diagnostic avec seuils chiffrés et verdicts
- _format_response() dual format : nouveau TIM (moyens numérotés, tableau
  bio, codes non défendables, conclusion dispositive) + rétrocompat legacy
- CPAM_ADVERSARIAL mis à jour pour vérifier honnêteté intellectuelle
- Tests adaptés + 12 nouveaux tests (bio confrontation, format TIM)

Moteur de règles :
- Nouvelles règles YAML : demographic, diagnostic_conflicts,
  procedure_diagnosis, temporal, parcours
- Bio extraction FAISS (synonymes vectoriels)
- Veto engine enrichi (citations, Trackare skip, règles démographiques)
- Decision engine : _apply_bio_rules_gen() + matchers analytiques

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

src/config.py

@@ -28,6 +28,11 @@ CONFIG_DIR = BASE_DIR / "config"
 REFERENCE_RANGES_PATH = CONFIG_DIR / "reference_ranges.yaml"
 BIO_RULES_PATH = CONFIG_DIR / "bio_rules.yaml"
 LAB_SANITY_PATH = CONFIG_DIR / "lab_value_sanity.yaml"
+DEMOGRAPHIC_RULES_PATH = CONFIG_DIR / "demographic_rules.yaml"
+DIAGNOSTIC_CONFLICTS_PATH = CONFIG_DIR / "diagnostic_conflicts.yaml"
+PROCEDURE_DIAGNOSIS_RULES_PATH = CONFIG_DIR / "procedure_diagnosis_rules.yaml"
+TEMPORAL_RULES_PATH = CONFIG_DIR / "temporal_rules.yaml"
+PARCOURS_RULES_PATH = CONFIG_DIR / "parcours_rules.yaml"
 RULES_DIR = CONFIG_DIR / "rules"
 RULES_BASE_PATH = RULES_DIR / "base.yaml"
 RULES_ENABLED_PATH = RULES_DIR / "enabled.yaml"
@@ -128,6 +133,7 @@ UPLOAD_MAX_SIZE_MB = 50
 ALLOWED_EXTENSIONS = {".pdf", ".csv", ".xlsx", ".xls", ".txt"}
 CIM10_DICT_PATH = BASE_DIR / "data" / "cim10_dict.json"
 CIM10_SUPPLEMENTS_PATH = BASE_DIR / "data" / "cim10_supplements.json"
+BIO_CONCEPTS_PATH = BASE_DIR / "data" / "bio_concepts.json"
 CMA_LEVELS_PATH = BASE_DIR / "data" / "cma_levels.json"
 CCAM_DICT_PATH = BASE_DIR / "data" / "ccam_dict.json"
 CIM10_PDF = Path(os.environ.get("T2A_CIM10_PDF", "/home/dom/ai/aivanov_CIM/cim-10-fr_2026_a_usage_pmsi_version_provisoire_111225.pdf"))
@@ -247,6 +253,124 @@ def load_bio_rules() -> Dict[str, Any]:
         return defaults
 
 
+@lru_cache(maxsize=1)
+def load_demographic_rules() -> Dict[str, Any]:
+    """Charge les règles démographiques (sexe/âge) depuis config/demographic_rules.yaml."""
+    defaults: Dict[str, Any] = {
+        "version": 1,
+        "sex_rules": {},
+        "age_rules": {},
+    }
+    path = DEMOGRAPHIC_RULES_PATH
+    if not path.exists():
+        return defaults
+    try:
+        import yaml # type: ignore
+        data = yaml.safe_load(path.read_text(encoding="utf-8")) or {}
+        if not isinstance(data, dict):
+            return defaults
+        merged = dict(defaults)
+        for k, v in data.items():
+            merged[k] = v
+        return merged
+    except Exception:
+        return defaults
+
+
+@lru_cache(maxsize=1)
+def load_diagnostic_conflicts() -> Dict[str, Any]:
+    """Charge les conflits diagnostics depuis config/diagnostic_conflicts.yaml."""
+    defaults: Dict[str, Any] = {
+        "version": 1,
+        "mutual_exclusions": [],
+        "incompatibilities": [],
+    }
+    path = DIAGNOSTIC_CONFLICTS_PATH
+    if not path.exists():
+        return defaults
+    try:
+        import yaml # type: ignore
+        data = yaml.safe_load(path.read_text(encoding="utf-8")) or {}
+        if not isinstance(data, dict):
+            return defaults
+        merged = dict(defaults)
+        for k, v in data.items():
+            merged[k] = v
+        return merged
+    except Exception:
+        return defaults
+
+
+@lru_cache(maxsize=1)
+def load_procedure_diagnosis_rules() -> Dict[str, Any]:
+    """Charge les règles de corrélation actes/diagnostics depuis config/procedure_diagnosis_rules.yaml."""
+    defaults: Dict[str, Any] = {
+        "version": 1,
+        "rules": [],
+    }
+    path = PROCEDURE_DIAGNOSIS_RULES_PATH
+    if not path.exists():
+        return defaults
+    try:
+        import yaml # type: ignore
+        data = yaml.safe_load(path.read_text(encoding="utf-8")) or {}
+        if not isinstance(data, dict):
+            return defaults
+        merged = dict(defaults)
+        for k, v in data.items():
+            merged[k] = v
+        return merged
+    except Exception:
+        return defaults
+
+
+@lru_cache(maxsize=1)
+def load_temporal_rules() -> Dict[str, Any]:
+    """Charge les règles temporelles depuis config/temporal_rules.yaml."""
+    defaults: Dict[str, Any] = {
+        "version": 1,
+        "rules": [],
+    }
+    path = TEMPORAL_RULES_PATH
+    if not path.exists():
+        return defaults
+    try:
+        import yaml # type: ignore
+        data = yaml.safe_load(path.read_text(encoding="utf-8")) or {}
+        if not isinstance(data, dict):
+            return defaults
+        merged = dict(defaults)
+        for k, v in data.items():
+            merged[k] = v
+        return merged
+    except Exception:
+        return defaults
+
+
+@lru_cache(maxsize=1)
+def load_parcours_rules() -> Dict[str, Any]:
+    """Charge les règles de parcours patient depuis config/parcours_rules.yaml."""
+    defaults: Dict[str, Any] = {
+        "version": 1,
+        "documentary_rules": {},
+        "pathway_rules": {},
+    }
+    path = PARCOURS_RULES_PATH
+    if not path.exists():
+        return defaults
+    try:
+        import yaml # type: ignore
+        data = yaml.safe_load(path.read_text(encoding="utf-8")) or {}
+        if not isinstance(data, dict):
+            return defaults
+        merged = dict(defaults)
+        for k, v in data.items():
+            merged[k] = v
+        return merged
+    except Exception:
+        return defaults
+
+
 # --- Garde-fous de parsing des valeurs biologiques (anti-OCR) ---
 
 
@@ -827,6 +951,7 @@ class VetoIssue(BaseModel):
     severity: str  # HARD | MEDIUM | LOW
     where: str
     message: str
+    citation: Optional[str] = None
 
 
 class VetoReport(BaseModel):