Gate: measure api/services coverage with floors for the three loaders #194

Decision by the product owner, 4 Nov 2026: move the DB-backed api/services coverage into the gate, with floors for the three loaders.

What the code shows (verified at c7bebd1)

• Makefile test-gate runs the database-free markers with --cov=build/csv --cov=evals. api/ is not measured by the gate.
• A full run against a deployed PostgreSQL (365 passed, 0 failed) measured:
  • api/services/csv_parse.py: 79.5%
  • api/services/dynamic_loader.py: 84.2%
  • api/services/te_loader.py: 96.2%
• These figures come from a local run, not from CI.

Proposed

• Add --cov=api/services to the gate job that has PostgreSQL (the quality-gate.yml integration job), not to the database-free job.
• Set per-file floors at the measured values rounded down: csv_parse.py 79, dynamic_loader.py 84, te_loader.py 96. The product owner to confirm the values.
• The gate fails when a loader drops below its floor.

Done when

• A CI run of the gate job shows the coverage table for api/services, with the three floors enforced.
• A deliberate test removal in a scratch branch makes the gate fail (mutation check), with the run attached.

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