Add competency fixture for late-package coverage

tests/fixtures/competency/late-package-coverage/SCENARIO.md

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+# Important late-sorting package
+
+Question: What handles payment failures?
+
+Expected: planning must give meaningful package coverage and discover `zzz_payments/webhook.py`; alphabetical file ordering must not starve later packages under a bounded task budget.

tests/fixtures/competency/late-package-coverage/aaa_noise/module.py

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+def helper(): return 'noise'

tests/fixtures/competency/late-package-coverage/mmm_noise/module.py

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+def helper(): return 'noise'

tests/fixtures/competency/late-package-coverage/zzz_payments/webhook.py

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+def payment_webhook(request):
+    if request.event == 'payment.failed':
+        return retry_payment(request.order_id)