[LOADED_DOCS: NONE]

Refactor skill loading protocol in copilot-instructions

Clarified session setup: only two reactive skills are pre-loaded, with three user-gated skills now lazy-loaded on demand. Updated documentation to add "AUTHORITY, RULE SCOPE, AND SKILL INVOCATION" section, revised skill trigger descriptions, and adjusted `[LOADED_DOCS: ...]` prefix logic. Documented docs-archive as a lazy-loaded skill. Added settings.local.json for local file removal permissions. No code logic changes—documentation and protocol only.

.claude/settings.local.json

@@ -0,0 +1,7 @@
+{
+  "permissions": {
+    "allow": [
+      "Bash(rm \"C:/Users/Fullepi/.claude/projects/H--Applications-Mango-Source-FruitBank/memory/feedback_doc_structure_meta_protocol.md\" \"C:/Users/Fullepi/.claude/projects/H--Applications-Mango-Source-FruitBank/memory/MEMORY.md\")"
+    ]
+  }
+}