docs: document manual SFTP mode for this host (post-SP36)

- .env.example: add GAINWELL_SFTP_* mirror vars with bridge instructions
- .gitignore: exclude ingest/ + macOS AppleDouble residue
- CLAUDE.md: 'Production SFTP posture' section (env bridge, inbound drop
  zone, auth caveat, ingestion paths, daemon hot-reload caveat)
- docs/RUNBOOK.md: 'Manual SFTP mode' section (daily flow, backfill,
  parse-CLI caveat, manual→real switch procedure)

Recalibration after the auth-failed incident from 103.14.26.95 — local
SFTP uploads won't work until Gainwell whitelists this IP, so the
canonical flow is now manual file copy + cyclone pull-inbound.

.env.example

@@ -17,4 +17,24 @@ VITE_API_BASE_URL=
 
 # Optional. Set to 1 to disable auth entirely (DEV ONLY). When set,
 # the backend auto-grants admin access without checking credentials.
-# CYCLONE_AUTH_DISABLED=0
+# CYCLONE_AUTH_DISABLED=0
+
+# ─── Gainwell / HCPF SFTP credentials (operator convention) ─────────────
+# These mirror what /home/tyler/EDI/scripts/upload_claims.sh exports and
+# what the operator's SFTP client uses. Cyclone's secrets module looks up
+# CYCLONE_SFTP_PASSWORD (or _FILE), not GAINWELL_SFTP_PASS — to bridge:
+#
+#   export CYCLONE_SFTP_PASSWORD="$GAINWELL_SFTP_PASS"
+#
+# or for the daemon, set CYCLONE_SFTP_PASSWORD_FILE to a 0600 file.
+GAINWELL_SFTP_USER=colorado-fts\coxix_prod_11525703
+GAINWELL_SFTP_HOST=mft.gainwelltechnologies.com
+GAINWELL_SFTP_PASS=
+GAINWELL_REMOTE_DIR=/CO XIX/PROD/coxix_prod_11525703/ToHPE
+
+# CYCLONE_SFTP_PASSWORD=                 # mirror of GAINWELL_SFTP_PASS
+# CYCLONE_SFTP_PASSWORD_FILE=            # path to a 0600 file containing it
+
+# CYCLONE_SCHEDULER_AUTOSTART=           # 1/true/yes to start the MFT poll loop on API launch
+# CYCLONE_SCHEDULER_POLL_SECONDS=60      # poll interval when autostart is on
+# CYCLONE_TAIL_HEARTBEAT_S=15            # NDJSON stream heartbeat interval