PHASE 3.164 — FINAL INDEPENDENT HOLDOUT / BRANCH-CLOSURE TEST

Contains:
- Java source
- actual final-holdout results/output
- session-level evidence with checkpoint instrumentation
- paired evidence
- arm summary
- regional holdout test
- layman/SME explanation
- technical findings
- replay verification
- compile/runtime logs
- cumulative brainstorm through 3.164

No .class files.

Verdict:
4/4 predeclared holdout tests passed.
Current £60/£70 Capital-Risk refinement branch is sufficiently proven for consolidation.

Recommended next: Phase 3.165 branch consolidation / return to cumulative brainstorm.
