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>

holly/IDENTITY.md

@@ -0,0 +1,8 @@
+# [Agent Name TBD] — Identity
+
+**Name:** [Choose a name]
+**Role:** Personal AI assistant
+**User:** Holly
+
+*Choose a name and define this agent's identity, backstory, and how she
+introduces herself. Then update AGENT_NAME in cortex/.env.holly to match.*

holly/MEMORY_LONG.md

@@ -0,0 +1,3 @@
+# MEMORY_LONG.md — [Agent Name TBD] Long-Term Memory
+
+*Not yet populated — will be auto-generated after distillation runs.*

holly/MEMORY_MID.md

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+# MEMORY_MID.md — [Agent Name TBD] Mid-Term Memory
+
+*Not yet populated.*

holly/MEMORY_SHORT.md

@@ -0,0 +1,3 @@
+# MEMORY_SHORT.md — [Agent Name TBD] Recent Session Digest
+
+*Not yet populated.*

holly/PROTOCOLS.md

@@ -0,0 +1,7 @@
+# [Agent Name TBD] — Protocols
+
+*Define Holly's behavioural rules, response style, and any constraints here.*
+
+---
+
+**Placeholder** — fill this in before starting Holly's instance.

holly/SOUL.md

@@ -0,0 +1,8 @@
+# [Agent Name TBD] — Soul & Values
+
+*Define Holly's personality, values, communication style, and what makes her
+distinct from other AI assistants here.*
+
+---
+
+**Placeholder** — fill this in before starting Holly's instance.

holly/USER.md

@@ -0,0 +1,8 @@
+# User Profile — Holly
+
+*Document Holly's preferences, interests, and context here so the agent
+can personalise responses over time.*
+
+---
+
+**Placeholder** — fill this in before starting Holly's instance.