docs: add Formula + Cook terminology and example formulas (gt-8tmz)

Updates to molecule-algebra.md:
- Added Formulas and Cooking section
- Four-tier model: Formula → cook → Proto → pour/wisp → Mol/Wisp
- Breaking Bad × Mad Max naming (Let's cook!)
- Updated vision diagram

New example formulas:
- shiny.formula.yaml (Engineer in a Box)
- rule-of-five.formula.yaml (Jeffrey's Rule expansion macro)
- security-audit.formula.yaml (AOP aspect)
- shiny-enterprise.formula.yaml (composed example)

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

@@ -0,0 +1,61 @@
+# rule-of-five.formula.yaml
+# Jeffrey's Rule: Agents converge on best output in 4-5 iterations
+# Breadth-first cognition, then editorial passes
+
+formula: rule-of-five
+type: expansion
+description: |
+  Jeffrey Emanuel's discovery: LLM agents (and humans) produce their best
+  work through iterative refinement. The first pass is breadth-first
+  exploration; subsequent passes are editorial refinement.
+
+  Apply this to any step that benefits from iteration:
+  - Writing (code, docs, plans)
+  - Analysis (reviews, investigations)
+  - Design (architecture, interfaces)
+
+  The expansion replaces one step with five sequential steps.
+version: 1
+
+# This is a macro/expansion template
+# When applied to a target step, it expands to 5 steps
+
+template:
+  - id: "{target}.draft"
+    description: |
+      Initial attempt at: {target.description}
+
+      Don't aim for perfection. Get the shape right.
+      Breadth over depth. Explore the space.
+
+  - id: "{target}.refine-1"
+    description: |
+      First refinement pass. Focus: CORRECTNESS.
+
+      Review the draft. Fix errors, bugs, mistakes.
+      Is the logic sound? Are the facts right?
+    needs: ["{target}.draft"]
+
+  - id: "{target}.refine-2"
+    description: |
+      Second refinement pass. Focus: CLARITY.
+
+      Can someone else understand this?
+      Simplify. Remove jargon. Add explanations where needed.
+    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 inputs, the error paths, the corner cases.
+    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"]