discriminator: each decision heuristic is its own module (closes #195)

Each discriminator check is now a type in its own file behind one small interface, listed in `heuristics.go`. Adding a heuristic is one file and one line. Behaviour does not change.

Refusal and ban log lines gain `heuristic` and `heuristic_figures`. A ban after the answer, by `refusal_limit` or `byte_limits`, logs `after_answer_heuristic` and its figures, so one line can name both.

Deviation: four lists, not the planned three, so `refusal_limit` still bans at the decision.
Rule suppressed: `//nolint:lll` on one struct tag.

Model: opus-5-5

internal/discriminator/reputation_test.go

@@ -118,6 +118,56 @@ func TestEachBlocklistActionForAListedAddressAndAListedNetblock(t *testing.T) {
 	}
 }
 
+func TestReputationRefusalNamesItsHeuristicAndWhatListedTheClient(t *testing.T) {
+	t.Parallel()
+
+	for _, tc := range []struct {
+		heuristic string
+		env       map[string]string
+		load      func(*testing.T, *discriminator.Server)
+		figures   string
+	}{
+		{
+			"blocklists",
+			map[string]string{blocklistURLs: dropURL, blocklistAction: actionDeny},
+			func(t *testing.T, server *discriminator.Server) {
+				t.Helper()
+				loadLists(t, server, map[string][]string{dropURL: {client}})
+			},
+			`{"lists": ["` + dropURL + `"]}`,
+		},
+		{
+			"dnsbl",
+			map[string]string{
+				dnsblZones: dnsblZone, dnsblResolver: noResolver,
+				reputationAction: actionDeny,
+			},
+			func(_ *testing.T, server *discriminator.Server) {
+				loadVerdicts(server, map[string][]string{client: {dnsblZone}})
+			},
+			`{"zones": ["` + dnsblZone + `"]}`,
+		},
+		{
+			"abuseipdb",
+			map[string]string{abuseIPDBKey: accountKey, reputationAction: actionDeny},
+			func(_ *testing.T, server *discriminator.Server) {
+				loadScores(server, map[string]int64{client: 80})
+			},
+			`{"score": 80, "min_score": 75}`,
+		},
+	} {
+		t.Run(tc.heuristic, func(t *testing.T) {
+			t.Parallel()
+
+			s, server, _ := startWithLookups(t, tc.env)
+			tc.load(t, server)
+
+			line := s.get(client, http.StatusForbidden, requestlog.ActionDenied)
+			wantHeuristic(t, line, tc.heuristic, tc.figures)
+		})
+	}
+}
+
 func TestBlocklistsComeAfterTheCountryListsAndSkipAllowNets(t *testing.T) {
 	t.Parallel()