feat: Add multi-agent-guide skill and update reference-curator configs

- Add 91-multi-agent-guide skill for setting up multi-agent collaboration
  with templates for AGENTS.md, Claude, Gemini, Codex configs, and CI/CD
- Add USER-GUIDE.md for reference-curator documentation
- Update default paths in reference-curator configs to use
  ~/Documents/05_AI Agent/10_Reference Library/
- Update settings-audit-report.md

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

custom-skills/90-reference-curator/shared/config/crawl_config.yaml

@@ -100,8 +100,8 @@ processing:
     - markdown
 
   # Storage paths (configurable)
-  raw_content_dir: ${REFERENCE_LIBRARY_PATH:-~/reference-library}/raw/
-  processed_dir: ${REFERENCE_LIBRARY_PATH:-~/reference-library}/processed/
+  raw_content_dir: ${REFERENCE_LIBRARY_PATH:-~/Documents/05_AI Agent/10_Reference Library}/raw/
+  processed_dir: ${REFERENCE_LIBRARY_PATH:-~/Documents/05_AI Agent/10_Reference Library}/processed/
 
 # URL filtering
 url_filter:

custom-skills/90-reference-curator/shared/config/export_config.yaml

@@ -4,7 +4,7 @@
 # Copy this file to ~/.config/reference-curator/export_config.yaml
 
 output:
-  base_path: ~/reference-library/exports/
+  base_path: ~/Documents/05_AI Agent/10_Reference Library/exports/
 
   # Project files format (for Claude Projects)
   project_files:

custom-skills/90-reference-curator/shared/config/pipeline_config.yaml

@@ -30,7 +30,7 @@ state:
   backend: ${STATE_BACKEND:-file}
 
   # File-based state directory (used when backend=file)
-  state_directory: ${REFERENCE_LIBRARY_PATH:-~/reference-library}/pipeline_state/
+  state_directory: ${REFERENCE_LIBRARY_PATH:-~/Documents/05_AI Agent/10_Reference Library}/pipeline_state/
 
 logging:
   # Log level: DEBUG, INFO, WARNING, ERROR