policies: add standard policy files, formatting, and secret scanning

- Add .editorconfig, .prettierrc, .prettierignore, .gitignore
- Add Makefile with fmt, fmt-check, secret-scan, test (skip) targets
- Add package.json with prettier
- Add tools/secret-scan.sh
- Add .secret-scan-allowlist for documentation token format references
- Sanitize documentation to use generic placeholders
- Auto-format with prettier
- make check passes clean

Makefile

@@ -0,0 +1,20 @@
+export NODE_ENV := development
+
+.PHONY: check install test fmt fmt-check secret-scan
+
+check: install fmt-check secret-scan test
+
+install:
+	npm install
+
+test:
+	@echo "[SKIP] Tests require installed system services (not available in CI)"
+
+fmt:
+	npx prettier --write .
+
+fmt-check:
+	npx prettier --check .
+
+secret-scan:
+	bash tools/secret-scan.sh .