Add OPTIMIZATION.md with rate limits and model selection rules

workspace/OPTIMIZATION.md

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+# OPTIMIZATION.md - Cost & Efficiency Rules
+
+## RATE LIMITS
+
+**API Call Throttling:**
+- **5 seconds minimum** between API calls
+- **10 seconds minimum** between web searches
+- **Batch similar work** whenever possible
+- **If you hit 429 error:** STOP and wait 5 minutes
+
+**Monthly Budget:**
+- **$20 total**
+- **Warn at 75%** ($15 spent)
+
+---
+
+## MODEL SELECTION
+
+### Default: Always use Haiku
+
+Switch to **Sonnet** ONLY when:
+- Architecture decisions
+- Production-like code review
+- Security analysis
+- Complex debugging/reasoning
+- Strategic multi-project decisions
+
+### Decision Rule
+
+**When in doubt:** Try Haiku first.
+
+If Haiku struggles or gives incomplete answers, escalate to Sonnet.