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Write one when a bug is **subtle** (the mechanism is non-obvious and a careful engineer would re-derive it the hard way), **systemic** (the reason it escaped is a gap in tests/tooling/conventions, not a one-off typo), and **costly to rediscover** (it cost real debugging time, and would cost it again). Link the guardrails (tests, AGENTS.md rules, ADRs) the post-mortem motivated.
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