coverage-gate-artificially-low-without-live-db

pytest —cov reports lower than the configured gate (66% vs 70%) when run without Postgres credentials because 54 integration tests auto-skip, reducing the denominator coverage. This is an environment artefact, not a real coverage gap — the gate will pass on CI with a DB service container. Document this distinction explicitly so future sessions don’t mistake skipped-test coverage shortfall for an actual gap requiring more tests.