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Add a diagram + prose to simulation.md: a virtual wallet = one shim account keyed by a virtual-wallet id; it has the 3 native stores (public/protected/private) but EMULATED — each "store" is an index document (AccountRecord.docPublic/Protected/ Private) listing that scope's per-entity doc NURIs. Everything physical lives in the ONE shared wallet's private store; the 3-store structure is the per-account logical layer. At migration the index docs become real native stores. Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>