docs(journal): introduce three-layer architecture vocabulary
Add Captures → Extracts → Insights pipeline model to JOURNAL.md:
- New overview section with visual diagram and vocabulary tables
- Reorganize Day folder contents into Layer 1/2/3 subsections
- Move Occurrence JSON into Layer 2: Extracts
- Update terminology (summaries → insights)
- Simplify crumbs to light reference pointing to CRUMBS.md
This establishes consistent vocabulary for understanding how raw
recordings are transformed into structured data and narrative summaries.
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Co-Authored-By: Claude <noreply@anthropic.com>