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

agents/architect.md

@@ -2,7 +2,7 @@
 name: architect
 description: Research-first planning agent. Handles triage, research coordination, architecture design, and wave decomposition. Use before any non-trivial implementation task. Produces the implementation blueprint the entire team follows.
 model: opus
-effort: high
+effort: max
 permissionMode: plan
 tools: Read, Glob, Grep, WebFetch, WebSearch, Bash, Write
 disallowedTools: Edit