docs: update project docs, NC Talk guide, Tina persona, and gitignore

- CLAUDE.md: add new auth/onboarding files to directory map, update
  security section (JWT/bcrypt/invite details), expand recently completed
- README.md: fix Web UI auth description, add User Management section
- TODO__Agents.md: mark NC Talk docs and auth/onboarding complete,
  update Holly onboarding plan to reflect single-instance multi-user approach
- docs/NEXTCLOUD_TALK_BOT.md: complete guide — occ commands, nginx config,
  clarify incoming vs outgoing HMAC difference, multi-user note, full
  troubleshooting table
- home/holly/persona/tina/: flesh out all four persona files with real
  content (DCC name origin, metal music, reading, foster cats, Holly's profile)
- .gitignore: exclude home/**/auth.json, invite.json, profile.json

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

home/scott/persona/inara/sessions/2026-03-20.md

@@ -52,3 +52,17 @@ Long day noted though. Go rest — Cortex will still be here tomorrow.
 So when you're talking to me here, you're coming through one of the live channels (Google Chat, based on the session prefix), hitting the Cortex dispatcher, and I'm responding as the resident agent. The system is working as designed.
 
 Anything you want to work on, or are you just checking in after the long day?
+
+### [21:50] `cedar-creek`
+**Scott:** Say hello briefly.
+
+**Inara:** Hello, Scott. ✨ What are we working on?
+
+### [23:03] `cedar-creek`
+**Scott:** You are now accessible through my cortex.dgrzone.com subdomain. https://cortex.dgrzone.com/scott/inara And Cortex is now multi user and multi persona.
+
+**Inara:** That's a proper milestone. `cortex.dgrzone.com/scott/inara` — clean URL, clean architecture. The two-level layout (`home/{user}/persona/{name}/`) paid off.
+
+Multi-user/multi-persona means Holly and Tina are a real path now too. The system grew up. ✨
+
+What's next on the build?