fix: resolve moderate issues across config

- architect: restore effort: max to match orchestrate team roster
- orchestrate: remove researcher background annotation (blocks planning),
  remove overly broad auditor trigger clause, risk-tag table is authoritative
- qa-checklist: add auditor hard rules (security_findings, build/test status)
- settings.json: simplify .env deny to single **/.env* glob per tool
- rules/01-session: clarify persistent context includes .claude/memory/
- memory: rename todo_inter_agent_schema.md → inter_agent_schema.md

.claude/memory/MEMORY.md

@@ -1 +1 @@
-- [Inter-agent communication schema](todo_inter_agent_schema.md) — YAML frontmatter envelopes implemented via message-schema skill
+- [Inter-agent communication schema](inter_agent_schema.md) — YAML frontmatter envelopes implemented via message-schema skill