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Add versioned zero-target downside deviation without changing legacy runs - #24
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The historical downside_vol_20d is a standard deviation of clipped returns, which can be zero for constant losses. Preserve and label that historical formula, and add opt-in downside_deviation_20d_v2 using sqrt(252 * mean(min(return, 0)^2)) over all 20 returns. Keep gaps missing, register its volatility family, and leave default experiments unchanged.
Validation: Windows Python 3.12.14, isolated environment installed from this repository's committed requirements.lock, pip check, repository Ruff check/format and complete test suite: 233 passed in 38.26s. Relevant repository coverage gates passed.
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