feat(schema): RLD loader/diagnostics contracts (LoaderFault + ResilientDiagnosticRecord) [E13/WS-A] - #280

Node.js 20 is deprecated. The following actions target Node.js 20 but are being forced to run on Node.js 24: actions/checkout@v4, actions/setup-python@v5. For more information see: https://github.blog/changelog/2025-09-19-deprecation-of-node-20-on-github-actions-runners/