Mark milestone 0.3 complete in PHASE0_PLAN and POA&M

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

POAM.md

@@ -174,6 +174,7 @@ Closures retained for traceability.
 | — | Phase 0 plan v0.1 (partial closure of YPMS-POAM-040) | 2026-09-30 | `ypms/PHASE0_PLAN.md` drafted: framework vendor-in, auth, RBAC, audit, Registrant vertical slice, 501 stubs on remaining ARCH §6.1 entities. |
 | — | Phase 0 milestone 0.1 shipped (partial closure of YPMS-POAM-040) | 2026-09-30 | Repo scaffold, Docker Compose, FastAPI factory with `/healthz` + `/readyz`, structlog + request-id middleware, Alembic baseline, CI workflow, README + CONTRIBUTING. Tests green (3 passing, ruff + mypy clean). Committed as `393631a`. |
 | — | Phase 0 milestone 0.2 shipped (partial closure of YPMS-POAM-040) | 2026-09-30 | OWC framework vendored (base/crud/bulk/pagination/router/version_history + audit + security/rbac + users + auth stub) with owc→ypms renames. YPMS pii_audit decorator added. Pagination bug in upstream OWC fixed here (peek-ahead cursor). 26 tests passing, 93.10% coverage. Migration 0002 creates the framework tables. |
+| — | Phase 0 milestone 0.3 shipped (partial closure of YPMS-POAM-040) | 2026-09-30 | Local password auth + JWT access/refresh tokens with YPMS-specific claims (`uid`, `roles`, `iam.assurance_level`, `mfa_verified`). Endpoints: /auth/login, /auth/refresh, /auth/me, /auth/change-password. NIST AC-7 lockout at 5 attempts / 15 min (source RFP C.5.7.10). 43 tests passing, 93.47% coverage. |
 
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