chore: consolidate .env files — one .env in cortex/, one .env.example

- Removed orphaned root .env and .env.default (values already in cortex/.env,
  which is what the systemd service actually loads)
- Replaced outdated cortex/.env.example with the comprehensive .env.default content
- Also tracks: tested/persona/cleo/ (new test persona), Inara memory updates

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

home/tested/persona/cleo/HELP.md

@@ -0,0 +1,17 @@
+# Help — Cleo
+
+## Getting Started
+
+Just type your message and press Enter (or Ctrl+Enter in Ctrl+Enter mode).
+
+## Tips
+
+- **Sessions** — your conversation history is preserved. Use the Sessions panel to revisit old chats.
+- **Files** — view and edit Cleo's identity and memory files from the Files panel.
+- **Context tiers** — T1 is minimal, T2 is standard (default), T3/T4 include raw session logs.
+- **Memory** — Cleo's memory is distilled automatically. You can trigger it manually via ⚙ → Distill.
+- **Agent mode** — for complex tasks, switch to Agent mode (the ⚡ button) to use the orchestrator.
+
+## Logout
+
+Click the ⏏ button in the top right.