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/91-multi-agent-guide/templates/github-workflow.yaml

@@ -0,0 +1,161 @@
+# GitHub Actions Workflow: Ownership Check
+# Save as: .github/workflows/ownership-check.yml
+#
+# This workflow verifies file ownership rules on pull requests.
+
+name: Ownership Check
+
+on:
+  pull_request:
+    branches: [main, develop]
+    types: [opened, synchronize, reopened]
+
+jobs:
+  check-ownership:
+    name: Verify File Ownership
+    runs-on: ubuntu-latest
+
+    steps:
+      - name: Checkout repository
+        uses: actions/checkout@v5
+        with:
+          fetch-depth: 0  # Full history for accurate diff
+
+      - name: Set up Python
+        uses: actions/setup-python@v6
+        with:
+          python-version: "3.11"
+
+      - name: Install dependencies
+        run: pip install pyyaml
+
+      - name: Get changed files
+        id: changed-files
+        uses: tj-actions/changed-files@v44
+
+      - name: Check ownership
+        id: ownership-check
+        env:
+          SEO_AGENT_AUTHOR: ci
+        run: |
+          echo "Changed files: ${{ steps.changed-files.outputs.all_changed_files }}"
+
+          # Run ownership check
+          python tools/check-ownership.py ${{ steps.changed-files.outputs.all_changed_files }} > ownership_result.txt 2>&1 || true
+
+          # Capture exit code
+          python tools/check-ownership.py ${{ steps.changed-files.outputs.all_changed_files }}
+          echo "exit_code=$?" >> $GITHUB_OUTPUT
+
+          # Show results
+          cat ownership_result.txt
+
+      - name: Check commit messages
+        run: |
+          # Get commits in PR
+          commits=$(git log origin/${{ github.base_ref }}..HEAD --format="%H")
+
+          for commit in $commits; do
+            msg=$(git log -1 --format="%s" $commit)
+            echo "Checking commit: $msg"
+
+            # Check format: [Agent] type(scope): description
+            if ! echo "$msg" | grep -qE "^\[(Claude|Gemini|Codex|Human|CI)\] \w+(\([^)]+\))?: .+"; then
+              echo "::error::Invalid commit message format: $msg"
+              echo "Expected format: [Agent] type(scope): description"
+              exit 1
+            fi
+          done
+
+          echo "All commit messages are valid."
+
+      - name: Comment on PR (violations)
+        if: failure()
+        uses: actions/github-script@v7
+        with:
+          script: |
+            const fs = require('fs');
+            let result = '';
+            try {
+              result = fs.readFileSync('ownership_result.txt', 'utf8');
+            } catch (e) {
+              result = 'Unable to read ownership check results.';
+            }
+
+            const body = `## Ownership Check Failed
+
+            The following ownership violations were detected:
+
+            \`\`\`
+            ${result}
+            \`\`\`
+
+            Please ensure:
+            1. You are modifying files in your agent's ownership domain
+            2. Shared files have Claude's approval
+            3. Commit messages follow the format: \`[Agent] type(scope): description\`
+
+            See \`GUARDRAILS.md\` for ownership rules.
+            `;
+
+            github.rest.issues.createComment({
+              issue_number: context.issue.number,
+              owner: context.repo.owner,
+              repo: context.repo.repo,
+              body: body
+            });
+
+      - name: Comment on PR (success)
+        if: success()
+        uses: actions/github-script@v7
+        with:
+          script: |
+            github.rest.issues.createComment({
+              issue_number: context.issue.number,
+              owner: context.repo.owner,
+              repo: context.repo.repo,
+              body: '✅ **Ownership Check Passed**\n\nAll file ownership rules and commit message formats are valid.'
+            });
+
+  validate-state-files:
+    name: Validate Agent State Files
+    runs-on: ubuntu-latest
+
+    steps:
+      - name: Checkout repository
+        uses: actions/checkout@v5
+
+      - name: Set up Python
+        uses: actions/setup-python@v6
+        with:
+          python-version: "3.11"
+
+      - name: Validate YAML files
+        run: |
+          python -c "
+          import yaml
+          import sys
+
+          files = ['.agent-state/tasks.yaml', '.agent-state/locks.yaml']
+          errors = []
+
+          for f in files:
+              try:
+                  with open(f, 'r') as file:
+                      data = yaml.safe_load(file)
+                      if data is None:
+                          errors.append(f'{f}: File is empty')
+                      elif 'version' not in data:
+                          print(f'Warning: {f} missing version field')
+              except FileNotFoundError:
+                  print(f'Warning: {f} not found')
+              except yaml.YAMLError as e:
+                  errors.append(f'{f}: Invalid YAML - {e}')
+
+          if errors:
+              for e in errors:
+                  print(f'Error: {e}')
+              sys.exit(1)
+
+          print('All state files are valid.')
+          "