feat: multi-instance support — agent_name and user_name configurable

All hardcoded "Inara"/"Scott" strings replaced with settings.agent_name
and settings.user_name, read from .env at startup:

- config.py: AGENT_NAME and USER_NAME settings (defaults: Inara / Scott)
- llm_client.py: conversation labels in prompt builder
- session_logger.py: **Name:** labels in session log markdown
- memory_distiller.py: distillation system prompts (mid + long)
- routers/nextcloud_talk.py: @mention prefix strip
- routers/google_chat.py: greeting message

Second instance scaffolding:
- holly/: identity directory with placeholder files (USER_NAME=Holly,
  AGENT_NAME to be chosen by Holly)
- cortex/.env.holly: config for Holly's instance on port 8001
- cortex-holly.service: systemd unit for the second instance

No behavioural change to the Inara/Scott instance — defaults unchanged.

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

cortex/routers/nextcloud_talk.py

@@ -158,8 +158,9 @@ async def nextcloud_talk_webhook(request: Request, background_tasks: BackgroundT
     except (json.JSONDecodeError, AttributeError):
         user_text = (obj.get("name") or obj.get("content", "")).strip()
 
-    if user_text.lower().startswith("@inara"):
-        user_text = user_text[6:].strip()
+    mention_prefix = f"@{settings.agent_name.lower()}"
+    if user_text.lower().startswith(mention_prefix):
+        user_text = user_text[len(mention_prefix):].strip()
 
     if not user_text:
         return Response(status_code=200)