Finish docs/FORMAT.md as a specification with a test vector (closes #84)

docs/FORMAT.md now says a .mf is always a whole file, readers ignore
fields they do not know, and paths are compared byte for byte with no
Unicode normalization. Deterministic Serialization describes what the
writer does: entry order, protobuf encoding, what each entry holds, zstd
settings and how the UUID is chosen, and no longer claims two runs give
the same bytes without --seed or with --include-timestamps. A signed
test vector made once by the code, with a key used for nothing else, is
checked in as mfer/testdata/test-vector.mf, shown in the document, and
pinned by its SHA-256 and verified by TestFormatTestVector.

Model: opus-5-5

docs/FORMAT.md

@@ -199,20 +199,13 @@ compresses the same inner message to the same bytes:
   marshaling, which writes fields in field-number order and leaves out the
   fields that are not set. A field not declared `optional` counts as not set
   when it holds its default value, zero or empty.
-- Each entry holds only `path`, `size`, `hashes` with exactly one hash, `mtime`
-  and `mode`. The hash is the SHA-256 multihash of the file's content, except
-  that `freshen` reads only the files that are new or whose size, `mtime` or
-  `mode` changed, and for every other file carries the first hash of its
-  existing entry over unchanged. `mtime` is the file's modification time as the
-  file system gives it, to the nanosecond, and `mode` is `0000` unless `gen` or
-  `freshen` is given `--include-permissions`.
+- Each entry holds only `path`, `size`, `hashes` with exactly one hash (the
+  SHA-256 multihash of the file's content), `mtime` and `mode`. `mtime` is the
+  file's modification time as the file system gives it, to the nanosecond, and
+  `mode` is `0000` unless `gen` or `freshen` is given `--include-permissions`.
 - `createdAt` is left out unless `gen` or `freshen` is given
   `--include-timestamps`. Then it holds the time the run started building the
   manifest, to the nanosecond, so it differs on every run.
-- A time, in `mtime` or `createdAt`, is written as `seconds`, the whole seconds
-  since 1970-01-01 00:00:00 UTC rounded down, and `nanos`, the rest, from 0
-  to 999999999. So a time before 1970 has negative `seconds` and `nanos` of 0 or
-  more.
 - The inner message is compressed into one zstd frame, with a checksum of its
   content, by the encoder of the Go library `github.com/klauspost/compress` at
   its `SpeedBestCompression` level and otherwise its default settings. That