Add TOML versions of formulas (gt-xmyha)

Converted all .formula.json files to .formula.toml using bd formula convert.
TOML provides better ergonomics:
- Multi-line strings without \n escaping
- Human-readable diffs
- Comments allowed

Original JSON files retained for backwards compatibility.

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

.beads/formulas/rule-of-five.formula.toml

@@ -0,0 +1,33 @@
+description = "Jeffrey Emanuel's discovery: LLM agents produce best work through 4-5 iterative refinements. Breadth-first exploration, then editorial passes."
+formula = "rule-of-five"
+type = "expansion"
+version = 1
+
+[[template]]
+description = "Initial attempt at: {target.description}. Don't aim for perfection. Get the shape right. Breadth over depth."
+id = "{target}.draft"
+title = "Draft: {target.title}"
+
+[[template]]
+description = "First refinement pass. Focus: CORRECTNESS. Fix errors, bugs, mistakes. Is the logic sound?"
+id = "{target}.refine-1"
+needs = ["{target}.draft"]
+title = "Refine 1: Correctness"
+
+[[template]]
+description = "Second refinement pass. Focus: CLARITY. Can someone else understand this? Simplify. Remove jargon."
+id = "{target}.refine-2"
+needs = ["{target}.refine-1"]
+title = "Refine 2: Clarity"
+
+[[template]]
+description = "Third refinement pass. Focus: EDGE CASES. What could go wrong? What's missing? Handle the unusual."
+id = "{target}.refine-3"
+needs = ["{target}.refine-2"]
+title = "Refine 3: Edge Cases"
+
+[[template]]
+description = "Final polish. Focus: EXCELLENCE. This is the last pass. Make it shine. Is this something you'd be proud to ship?"
+id = "{target}.refine-4"
+needs = ["{target}.refine-3"]
+title = "Refine 4: Excellence"