EffectivePolicy now reads, at every directory in the walk, an optional
<dir>/.zddc.zip policy bundle: its members are loaded into a PolicyTree,
Assemble()d into a nested ZddcFile, and merged UNDER the dir's on-disk .zddc
(most-specific human edit wins). Because Assemble produces an ordinary
paths:-bearing ZddcFile, the existing walker threads the bundle's deeper members
to descendants and honors inherit:false with zero new cascade logic — the
bundle is just another per-level policy source.
So a .zddc.zip dropped at ANY directory mounts a policy subtree there; combined
with inherit:false + acl.inherit:false in its root member it's a self-contained
island that ignores the site defaults (do-something-completely-different).
Member paths use "*" wildcards, resolved by the same literal-first matching as
paths:. A tool-HTML-only bundle (no .zddc members) contributes no policy.
Test: a bundle at /Proj/special grants only *@vendor.com (rwcd at the mount, r
at "*" descendants) and, fenced, blocks the embedded project_team grant that
still applies outside the island.
Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>