docs: Document the liveness / model-free PAD layer
Adds a "Liveness detection (model-free PAD)" section to CONTRIBUTING.md
covering: the evidence/veto composition (noisy-OR capped by veto product,
why not a weighted average, veto-only and fail-closed semantics, the
NotApplicable additivity that makes strobing structurally more secure);
the NIR reflectance gate; the removed motion-magnitude dead end and its
intended planar-homography replacement; the mandatory observe-only-until-
tuned posture and the `calibrate-liveness` workflow; and honest scope
(casual vs determined attacks, ISO/IEC 30107-3 per-attack evaluation).
Updates the "future milestone" PAD note to reflect what now exists, and
extends the defense matrix with a tuned-liveness column.