MiniLM 3-label gate hit Acc 0.875 with 0 wasteful retrieves on our 40-query LedgerBeam — no-gate shouldn’t-answer 100%

Author 100 FAQ chunks × 40 gold queries (20 answerable + 10 chitchat + 10 instruction; seed 20260928, API $0). Compared no-gate always-retrieve vs rule gate vs MiniLM 3-label prototype NN before retri