Add speech-topic policy from tomorrow and a morning family talk.

Co-authored-by: Cursor <cursoragent@cursor.com>

docs/protocol.md

@@ -572,6 +572,36 @@ omitted sides keep their current rule. Unknown `{id}` is `404` `unknown-school`.
 { "students": { "form": "strict", "color": "noBright" } }
 ```
 
+### `GET /api/schools/{id}/speech-rules`
+
+Student and staff speech-topic policy for the school. Only the owner may read this (`403`
+`not-owner`). Unknown `{id}` is `404` `unknown-school`.
+
+Policy is one of `free`, `noRude`, `studyOnly`. When a `POST` has been accepted but not yet
+applied, `pendingStudents` and/or `pendingStaff` show what takes effect on the **next work
+morning** — the same morning as dress rules. Today's live circles keep their topic; the system
+does not start a new circle whose topic is outside the live policy.
+
+```json
+{
+  "students": "free",
+  "staff": "free",
+  "pendingStudents": null,
+  "pendingStaff": null
+}
+```
+
+### `POST /api/schools/{id}/speech-rules`
+
+Queues a change for the next work morning. Only the owner may post (`403` `not-owner`). Either or
+both of `students` and `staff` may be sent; omitted sides keep their current pending/live rule.
+Unknown `{id}` is `404` `unknown-school`. Unknown policy is `400` `unknown-speech`. Response body
+matches `GET`.
+
+```json
+{ "students": "studyOnly" }
+```
+
 ### `GET /api/schools/{id}/staffing`
 
 Money, uncovered subjects, the applicant pool and current staff. Only the owner may read this