v0.4.0

The template lays down the parc's file-layout doctrine.

Added

• Config / state / program doctrine: new document docs/fr/FILESYSTEM.md. The program lives under /opt, admin config (read-only) under /etc/morfsystem/<service>, and service-generated persistent state (keys, vaults, cursors, indexes) under /var/lib/morfsystem/<service>.
• Paths component (include/morftemplate/Paths.h, src/Paths.cpp): resolves the state root via $STATE_DIRECTORY, with a fallback to /var/lib/morfsystem/<service> (Linux) or %ProgramData%\morfsystem\<service>\state (Windows).
• Config overlay: the read-only admin config from /etc is merged at load time with an editable overrides file (<service>.overrides.json) stored in state. The service never writes to /etc.

Changed

• systemd unit: StateDirectory=morfsystem/morftemplate; per-platform state_dir block in service.json.