feat(master-reference): MREF-F500-WP-013 — Enterprise AI Governance, Architecture, Safety & Global Regulation Master Reference 2026-2030

Adds the capstone master reference document consolidating all 12 prior whitepapers
(WP-001 through WP-012) and 5 technical specifications into a single authoritative
resource for Fortune 500 executive leadership, board committees, regulators, and
enterprise architecture teams.

New files:
- docs/reports/ENTERPRISE_AI_GOVERNANCE_MASTER_REFERENCE.md (767 lines, 12 sections)
- rag-agentic-dashboard/public/master-reference.html (68KB interactive dashboard, 12 tabs)

Modified:
- rag-agentic-dashboard/server.js (MASTER_REFERENCE data object + 27 API endpoints)

Nine domains covered:
1. Sentinel AI Governance Platform v2.4 — 22 systems, 847 rules, 1.2M eval/day, 4.2ms P99
2. EAIP Agent Interoperability Protocol — 10,400 RPC/s, SPIFFE identity, 99.97% handoff
3. WorkflowAI Pro Orchestration — 12,000 workflows/day, 7-stage LLMOps pipeline
4. Self-Multiplying AI Systems — 12-dimension risk taxonomy, ARS 55.8→74.3, kill-switch 50-280ms
5. Tiered Admin vs Autonomous Agents — $14.8M ESAE reconciliation, MTTR 47min→<3min
6. Cognitive Orchestrator — CAIO role, Board AI Subcommittee, 3-tier authority matrix
7. Global Regulation — 16+ frameworks, 278 OPA rules, 88.4% compliance, 4-tier escalation
8. Enterprise AI Security — 7-layer defence-in-depth, 8-class STRIDE+AI threat model
9. Technical Specifications — OPA Rego, MVAGS (48hr/$2.4K/mo), CRP v1.0, 7 CI/CD gates

Investment: $57.6M 5-year | NPV $96.2M | IRR 39.8% | Payback 2.3yr
Regression: 129 endpoints tested, 129 passed, 0 failures

Author: OneFineStarstuff