refactor: formulas use JSON instead of YAML (gt-8tmz)

JSON for consistency with beads (issues.jsonl, molecules.jsonl).
Agents create/manage formulas; humans use visualizers.

- Simpler parsing (Go built-in JSON)
- No YAML gotchas
- Agents generate JSON flawlessly

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

@@ -0,0 +1,32 @@
+{
+  "formula": "rule-of-five",
+  "type": "expansion",
+  "description": "Jeffrey Emanuel's discovery: LLM agents produce best work through 4-5 iterative refinements. Breadth-first exploration, then editorial passes.",
+  "version": 1,
+  "template": [
+    {
+      "id": "{target}.draft",
+      "description": "Initial attempt at: {target.description}. Don't aim for perfection. Get the shape right. Breadth over depth."
+    },
+    {
+      "id": "{target}.refine-1",
+      "description": "First refinement pass. Focus: CORRECTNESS. Fix errors, bugs, mistakes. Is the logic sound?",
+      "needs": ["{target}.draft"]
+    },
+    {
+      "id": "{target}.refine-2",
+      "description": "Second refinement pass. Focus: CLARITY. Can someone else understand this? Simplify. Remove jargon.",
+      "needs": ["{target}.refine-1"]
+    },
+    {
+      "id": "{target}.refine-3",
+      "description": "Third refinement pass. Focus: EDGE CASES. What could go wrong? What's missing? Handle the unusual.",
+      "needs": ["{target}.refine-2"]
+    },
+    {
+      "id": "{target}.refine-4",
+      "description": "Final polish. Focus: EXCELLENCE. This is the last pass. Make it shine. Is this something you'd be proud to ship?",
+      "needs": ["{target}.refine-3"]
+    }
+  ]
+}