fix(kit): cap bay count and fill the storey spread; fetch the retail reference

Kit layout, found while starting the retail pass:
- Bays were round(width / 4.96), so 6922 (65.8 m wide) got 13 bays - a window every
  4.96 m across a 37 m block. Capped at MAX_BAYS = 9, widening the module instead.
- Storeys were assumed exactly 310 cm apart, leaving ~1.6 m of bare wall under the
  cornice on a tall building. The spread is now derived from the available height
  (usable / storeys), so the top band lands inside the volume.
  Result: 6922 9x11 (was 13x11), theatre 8x6, 6806 7x3, 6800 4x3, TCL 9x5.

Retail references: fetched Art/reference/retail-neighbours/01-lee-drug-and-neighbor.jpg
(Gb321, CC BY-SA 4.0) - 6800 and its neighbour at street level, confirmed to show
shopfronts and parapets. Commons has nothing for 6822 or 6806-6820, so those two
remain blocked on reference photography; recorded in TODO.

Re-applied the kit, repackaged, screenshots re-rendered and verified 4/4, packaged
QA all PASS.

MEMORY.md

@@ -436,3 +436,19 @@ Scope: facts and traps that cost time to establish. Planned work lives in [TODO.
   scope is cut deliberately and recorded in `CHANGELOG.md`, never the frame rate.
   Walkability outranks realism in one direction: a block the player falls through is
   not a demo.
+
+## 2026-11-09 — 0.1.5 start: retail reference + kit layout maths
+
+- Commons holds exactly **one** usable reference for the retail run:
+  `Art/reference/retail-neighbours/01-lee-drug-and-neighbor.jpg` (Gb321, CC BY-SA
+  4.0, 1920×953) — 6800 Lee Drug **and** its neighbour at street level, shopfronts
+  and parapets visible (vision pre-check: yes). Nothing for 6822 or 6806–6820, so
+  those two façades still have no reference and stay blocked.
+- **Kit layout was wrong for tall/wide buildings**, not just ugly: bays were
+  `round(width / 496)`, so 6922 (65.8 m wide, 37.1 m tall) got **13 bays** — a
+  window every 4.96 m across the whole frontage — and the storey count came out at
+  11 × 310 cm = 34.1 m against a 35.7 m window zone, leaving bare wall under the
+  cornice. Fixed: `MAX_BAYS = 9` (module widens instead of subdividing), and the
+  storey spread is derived from the available height (`usable / storeys`) so the top
+  band always lands inside the building. Result: 6922 9 × 11, theatre 8 × 6,
+  6806 7 × 3, 6800 4 × 3, TCL 9 × 5.