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Finalize v3.1 track state per user decision 2026-06-20 (accept as v3.1 final; no v3.2). Mark [meta].status = completed, phase_15 checkpointsha = 8cd4a2fb. Write TRACK_COMPLETION_nagent_review_v3_1_20260620.md documenting what shipped, the 4 user directives applied, the 16 atomic commits, the 13 verification criteria status (10 met / 3 partial-met), and the 6 followup items.