Stop paying twice for a block a retry can still throw away

A memory whose block ends on the newest action is the one memory a player
can reach: retry and take-switching both refuse anything else. Each retry
of that turn withdrew the memory and wrote it again, and a block closes
every six actions while a normal turn writes two, so that was one turn in
three.

SETTLE_SLACK asks for one action past a block before the block is
summarized. The block is still MEMORY_INTERVAL actions; only the moment
moves. This is not the pre-SP4 holdback returning: that one was about a
retry rewriting text in place, which sibling attempts and forget_node
settled, and correctness still rests on the withdrawal rather than on the
slack. Undo and delete can carry a summarized node back to the tip, so the
withdrawal path stays reachable, just rarely.

The slack buys nothing back. The block that just closed is still in the
history window in full, so a memory of it says what the model can already
read.

Tests: the settling suite asserts the new rule and that a retry at the tip
finds nothing to withdraw; the rewrite suite builds thirteen actions so
both of its blocks settle; the one path test that ended on a block boundary
sets the slack to zero, because it is about which actions a block is read
from rather than about when a block forms. 632 green.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_015NcrxCJjqgDvAkamKeLWdn

docs/guide.html

@@ -733,7 +733,7 @@ into the inn, it should come back.</p>
 <table>
   <thead><tr><th>Layer</th><th>Cadence</th><th>Purpose</th></tr></thead>
   <tbody>
-    <tr><td><strong>Memory</strong></td><td>every 6 actions, from 12</td><td>One or two past-tense sentences of concrete fact.</td></tr>
+    <tr><td><strong>Memory</strong></td><td>every 6 actions, from 12, once one action sits past the block</td><td>One or two past-tense sentences of concrete fact.</td></tr>
     <tr><td><strong>Story summary</strong></td><td>every 15 actions</td><td>A single ≤250-word overview, rewritten by folding in the new memories.</td></tr>
     <tr><td><strong>Retrieval</strong></td><td>every turn</td><td>Embed the last 4 actions (≤600 tokens), cosine-rank the bank, inject the top 5.</td></tr>
   </tbody>
@@ -755,8 +755,18 @@ across a fork: the ones above the fork point already sit on ancestors both lines
 action — <code>forget_node</code> withdraws the memory hanging off that coordinate <em>and</em>
 rewinds both marks to just before the stretch it covered, so that ground is summarized again from
 what the story now says. An earlier version instead held the newest action back a turn so it could
-never be summarized before it stopped being retryable; that is no longer needed, because the repair
-exists whether or not the invalidation happens at the tip.</p>
+never be summarized before it stopped being retryable; correctness no longer rests on that, because
+the repair exists whether or not the invalidation happens at the tip.</p>
+
+<p><strong>A block still waits for one action to settle past it</strong>
+(<code>SETTLE_SLACK</code>), and that is a cost rule rather than a correctness one. Retry and
+take-switching both refuse anything but the newest action, so a memory whose block ends on the tip
+is the one memory a player can still throw away: every retry of that turn writes it, withdraws it,
+and writes it again. A block closes every 6 actions and a normal turn writes 2, so without the
+slack that is one turn in three. The slack costs nothing in return, because the block that just
+closed is still in the history window in full — a memory of it says what the model can already
+read. Memories earn their place once the raw text has scrolled out, which is never the turn the
+block closed.</p>
 
 <p><strong>Cursors only advance on success.</strong> Every AI call here is best-effort. If
 summarization fails, the function returns and the cursor is unchanged, so the same block is