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.
- Restructured documentation: added `docs/README.md` to each sub-project, moved LOGGING and SIGNALR docs into dedicated subfolders with their own `README.md`.
- Updated all cross-references to use new topic folder paths and canonical AyCode.Core doc locations.
- Updated `.csproj` files to auto-include all Markdown docs and project-level `README.md` files.
- Removed obsolete single-file docs, replaced with structured content in topic folders.
- Enforced AI Agent Protocol: session setup, output prefix, no-re-read, and mandatory `docs-check` skill after code changes.
- Added domain-critical reminders and navigation guidance to relevant `README.md` files.
- Switched to new `[LOADED_DOCS: N files (+K this turn: ...)]` prefix format in all protocol docs, with examples and enforcement details.
- Documented `docs-discovery` skill, protocol history, and documentation-first coding requirements.
- Added protocol documentation for `Nop.Plugin.Misc.AIPlugin`.
- Changed SQL connection string to use `FruitBank_DEV` in `appsettings.json`.
- Wrapped `IHubProtocol` debug output in `#if DEBUG` in `PluginNopStartup.cs`.
Loretta