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

settings.json

@@ -19,18 +19,15 @@
       "Read(~/.ssh/**)",
       "Read(~/.aws/**)",
       "Read(~/.gnupg/**)",
-      "Read(**/.env)",
-      "Read(**/.env.*)",
+      "Read(**/.env*)",
       "Write(~/.ssh/**)",
       "Write(~/.aws/**)",
       "Write(~/.gnupg/**)",
-      "Write(**/.env)",
-      "Write(**/.env.*)",
+      "Write(**/.env*)",
       "Edit(~/.ssh/**)",
       "Edit(~/.aws/**)",
       "Edit(~/.gnupg/**)",
-      "Edit(**/.env)",
-      "Edit(**/.env.*)"
+      "Edit(**/.env*)"
     ],
     "ask": [
       "Bash(rm *)",