CODEOWNERS risk tiers currently all resolve to one person

Index: Known gaps

Status (re-verified 2026-10-09 at 456989f): POLICY_NOTE. .github/CODEOWNERS assigns all 19 rules to @napetrov.

The file is structured by risk tier (CRITICAL/HIGH/STANDARD) so a second maintainer can be slotted into CRITICAL/HIGH without restructuring, but there is only one maintainer today — don't read the tiering as "these are reviewed by different people," it isn't, yet.