memory: score the personal boundary on seeds, not word lists (V-495)

"что я говорил про бэкапы?" is his data by definition, and nothing outside the
box has ever heard him say anything. The boundary matched possession words only,
so the question walked past it into SearXNG and came back answered out of a Habr
article about somebody else's backups.

A speech-verb marker class was written first and dropped. Russian gives every
verb a dozen surface forms and the "как я говорил, ..." preamble list has no end,
so each form the lexicon missed was one more question reaching the world, and a
missing verb looks exactly like no bug.

The boundary now embeds two frozen seed sets and scores the turn's own query
vector, already computed upstream, against both. Nearest side wins. The
possession markers stay as the offline floor for a handler with no embedder.

19/19 held-out utterances correct against multilingual-e5-small; see
docs/evals/2026-08-03-personal-boundary.md. The live probe on the deployed box is
not done.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>

cmd/mavend/actions_query.go

@@ -715,7 +715,7 @@ func (h *reactiveHandler) queryKiwix(ctx context.Context, t *queryTurn) (string,
 // not be sent to an upstream engine at all. The guard closes both holes with
 // the same test.
 func (h *reactiveHandler) queryPersonal(ctx context.Context, t *queryTurn) (string, bool) {
-	if !isPersonalQuery(t.dec.Utterance) {
+	if !h.isPersonalTurn(ctx, t) {
 		return "", false
 	}
 	log.Printf("voice: %q is about him and his own data did not answer it; not asking the world", t.dec.Utterance)
@@ -740,7 +740,9 @@ var personalMarkers = []*regexp.Regexp{
 	regexp.MustCompile(`(?i)\bdid\s+i\b`),
 }
 
-// isPersonalQuery reports whether the utterance asks about something of his.
+// isPersonalQuery — the offline floor under the boundary. Possession only, and
+// deliberately still narrow: it answers when there is no embedder to ask, and a
+// broad guess made blind is worse than a narrow one.
 func isPersonalQuery(utterance string) bool {
 	if utterance == "" {
 		return false
@@ -753,6 +755,23 @@ func isPersonalQuery(utterance string) bool {
 	return false
 }
 
+// isPersonalTurn — the boundary test. The seeds decide when the embedder is
+// there, which is every deployed box; the possession markers are the floor
+// underneath, for a handler with no embedder or a turn whose vector never got
+// computed. Same shape as the cascade: the better test leads, the offline one
+// always answers.
+func (h *reactiveHandler) isPersonalTurn(ctx context.Context, t *queryTurn) bool {
+	h.boundary.load(ctx, h.embedder)
+	if personal, world, ok := h.boundary.score(t.vec); ok {
+		if personal > world {
+			log.Printf("voice: %q scores personal %.4f vs world %.4f", t.dec.Utterance, personal, world)
+			return true
+		}
+		return false
+	}
+	return isPersonalQuery(t.dec.Utterance)
+}
+
 // queryGeneral — general knowledge, the last source before giving up. It always
 // claims: either a model answers, or Maven names the gap, or she says she does
 // not know.