Add a hint.concept.* tier-3 layer surfaced when the cursor sits inside a
recognized clause (referential actions, 1:n/m:n cardinality, primary key,
unique, check, foreign key), layered beneath the per-form block. New
Node::Concept grammar wrapper records clause byte-spans; concept_topic_at_cursor
resolves the innermost containing span. Examples are mode-keyed so they stay
syntax-correct in both simple and advanced mode. Draft ADR (number at merge).