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/tasks-yaml.yaml

@@ -0,0 +1,48 @@
+# Agent Tasks Registry
+# Location: .agent-state/tasks.yaml
+#
+# This file tracks all tasks claimed by agents.
+# Agents must claim tasks before modifying associated files.
+
+version: "1.0"
+updated_at: "2025-01-29T00:00:00Z"
+
+# Task Status Values:
+# - pending: Available for claiming
+# - in_progress: Currently being worked on
+# - completed: Work finished successfully
+# - abandoned: Work stopped, task available for reclaiming
+# - blocked: Waiting on dependencies
+
+tasks: []
+
+# Example task entry:
+#
+# tasks:
+#   - id: "TASK-001"
+#     description: "Implement new feature"
+#     agent: "claude"
+#     status: "in_progress"
+#     priority: "high"
+#     files:
+#       - "src/feature.py"
+#       - "tests/test_feature.py"
+#     depends_on: []
+#     created_at: "2025-01-29T09:00:00Z"
+#     claimed_at: "2025-01-29T09:30:00Z"
+#     expires_at: "2025-01-29T13:30:00Z"
+#     completed_at: null
+#
+#   - id: "TASK-002"
+#     description: "Write API documentation"
+#     agent: null
+#     status: "pending"
+#     priority: "medium"
+#     files:
+#       - "docs/api.md"
+#     depends_on:
+#       - "TASK-001"
+#     created_at: "2025-01-29T10:00:00Z"
+#     claimed_at: null
+#     expires_at: null
+#     completed_at: null