W006 (Phase in ROADMAP.md but no directory on disk) fired for every phase
listed in ROADMAP.md that lacked a phase directory, including future phases
that haven't been started yet. This produced false DEGRADED health status
on any project with more than one phase planned.
Fix: before emitting W006, check the ROADMAP summary list for a
'- [ ] **Phase N:**' unchecked checkbox. Phases explicitly marked as not
yet started are intentionally absent from disk -- skip W006 for them.
Phases with a checked checkbox ([x]) or with no summary entry still
trigger W006 as before.
Adds two regression tests: one verifying W006 is suppressed for unchecked
phases, and one verifying W006 still fires for checked phases with no disk
directory.