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/pre-commit-config.yaml

@@ -0,0 +1,90 @@
+# Pre-commit Configuration for Multi-Agent Projects
+# Save as: .pre-commit-config.yaml (update existing or create new)
+#
+# Install: pre-commit install
+# Run all: pre-commit run --all-files
+
+repos:
+  # Standard pre-commit hooks
+  - repo: https://github.com/pre-commit/pre-commit-hooks
+    rev: v4.5.0
+    hooks:
+      - id: trailing-whitespace
+        exclude: ^\.agent-state/
+      - id: end-of-file-fixer
+        exclude: ^\.agent-state/
+      - id: check-yaml
+        args: [--unsafe]  # Allow custom tags in YAML
+      - id: check-json
+      - id: check-toml
+      - id: check-merge-conflict
+      - id: check-added-large-files
+        args: ['--maxkb=500']
+      - id: detect-private-key
+      - id: no-commit-to-branch
+        args: ['--branch', 'main']
+
+  # Python code formatting (if using Python)
+  - repo: https://github.com/psf/black
+    rev: 24.1.1
+    hooks:
+      - id: black
+        args: ['--line-length=100']
+        language_version: python3
+
+  # Import sorting (if using Python)
+  - repo: https://github.com/pycqa/isort
+    rev: 5.13.2
+    hooks:
+      - id: isort
+        args: ['--profile=black', '--line-length=100']
+
+  # Linting (if using Python)
+  - repo: https://github.com/pycqa/flake8
+    rev: 7.0.0
+    hooks:
+      - id: flake8
+        args: ['--max-line-length=100', '--extend-ignore=E203,W503']
+
+  # Custom multi-agent hooks
+  - repo: local
+    hooks:
+      # Ownership verification hook
+      - id: check-ownership
+        name: Check Agent Ownership
+        description: Verify file ownership and locks for multi-agent workflow
+        entry: python tools/check-ownership.py
+        language: python
+        always_run: true
+        pass_filenames: true
+        additional_dependencies:
+          - pyyaml
+        # Only runs when SEO_AGENT_AUTHOR is set
+        # If not set, hook will warn but not block
+
+      # Commit message format hook
+      - id: check-commit-message
+        name: Check Commit Message Format
+        description: Verify commit message follows [Agent] type(scope) format
+        entry: python tools/check-ownership.py --check-commit-msg
+        language: python
+        stages: [commit-msg]
+        additional_dependencies:
+          - pyyaml
+
+# CI Configuration
+# These settings are used when running in CI environment
+ci:
+  autofix_commit_msg: |
+    [CI] auto fixes from pre-commit hooks
+
+    for more information, see https://pre-commit.ci
+  autofix_prs: true
+  autoupdate_branch: ''
+  autoupdate_commit_msg: '[CI] pre-commit autoupdate'
+  autoupdate_schedule: weekly
+  skip: [check-ownership, check-commit-message]  # Skip custom hooks in CI
+  submodules: false
+
+# Default stages - hooks run at these stages unless otherwise specified
+default_stages: [commit]