Default Folders Mismatch Between Schema and Code

[abhinavgautam01]

Description

The default folders list in config.schema.json and scaffold.py are out of sync. The schema declares 4 folders as the default, while the code uses 5 folders (includes pipeline).

Evidence

Schema default:  ["workpapers", "configs", "fixtures", "exports"]                     ← 4 items
Code default:    ["workpapers", "configs", "fixtures", "exports", "pipeline"]         ← 5 items

Impact

• When a user omits the folders key from their config, the JSON Schema documents 4 default folders, but the CLI actually creates 5.
• Tools validating configs against the schema see a different contract than what the runtime enforces.
• The pipeline folder is silently created without being documented in the schema default.

Suggested Fix

Add "pipeline" to the default array in config.schema.json line 52 or remove it from DEFAULT_FOLDERS in scaffold.py if the pipeline folder should only be an implicit side effect of scaffolding.