docs: expand .cards — vision, comparisons, business rationale, open questions

26 cards covering:
- Project philosophy (session isolation, process discipline, dissipative structure)
- Comparisons (vs skill, vs dynamic workflow)
- Business rationale (FTE vs vendor, OPC, switching cost)
- Learning model (memory + skill + workflow)
- Self-improvement (reflective workflow, eval)
- Open questions (workflow granularity, human-in-the-loop)

.cards/reflective-workflow-self-improvement.md

@@ -0,0 +1,35 @@
+---
+title: "Reflective Workflow — Self-Improvement as Discipline"
+created: "2026-06-07"
+source: "openclaw-xiaomo"
+tags: [architecture, pattern, decision]
+category: "architecture"
+links:
+  - eval-closes-the-trust-chain
+  - three-learning-carriers
+  - workflow-as-improvable-system
+  - feedback-loops-convergent-and-divergent
+  - trust-chain-audit-evaluate-reuse
+---
+
+FTE agent 的"成长"不靠自发顿悟，靠纪律性的反思。反思本身是纪律性的（定期跑、不能跳过、有固定步骤），所以应该用 workflow 承载——不能靠 agent "有空想想"。
+
+反思 workflow 定期拉取最近执行过的任务，分析流程中出现的问题，找可优化的点，迭代，eval，对比。反思的对象覆盖三层载体：
+
+- 发现某个 role 反复在同一类问题上出错 → **迭代 skill**
+- 发现某类任务的上下文总是缺少关键信息 → **补充记忆**
+- 发现某个审批环节通过率 100% 从未驳回 → **简化 workflow**
+
+这形成了双层 workflow 架构：
+
+```
+执行层：workflow 驱动日常任务
+    ↓ 产出执行记录（CAS 链）
+反思层：反思 workflow 定期分析执行记录
+    ↓ 产出改进建议
+改进层：迭代 memory / skill / workflow
+    ↓ 提升下一轮执行质量
+执行层：...
+```
+
+两层都是 workflow，职责不同——执行层做事，反思层改进做事的方式。用 workflow 来优化 workflow——工具改进自身的递归。