fix(skills): add YAML frontmatter to telos-load + regulatory-risk-assessment

The two new skills shipped without the name/description frontmatter every
other skill carries, so harnesses surfaced them as a bare directory name
with no description to match against intent. Add frontmatter (body unchanged).

Bump-Type: patch

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

regulatory-risk-assessment/SKILL.md

@@ -1,3 +1,8 @@
+---
+name: regulatory-risk-assessment
+description: Produce a structured regulatory risk assessment / risk-register entry for regulated-industry features (banking, payments, PSD2/PSR, DORA, AML). Use when filing a CAD issue that needs a Risk:LOW/MEDIUM/HIGH level, or designing features touching payments, auth, data storage, or external APIs ("what are the risks?", "compliance gate", "risk register").
+---
+
 # regulatory-risk-assessment
 
 Produce a structured regulatory risk assessment for a feature, component,

telos-load/SKILL.md

@@ -1,3 +1,8 @@
+---
+name: telos-load
+description: Load TELOS — the intention substrate (problems, goals, strategies, status) — into a session at start so every decision traces to a goal. Use when starting any koala session, before architectural decisions, or as the CAD pipeline entry point ("load TELOS", "what are we optimizing toward?").
+---
+
 # telos-load
 
 Load TELOS — the intention substrate — into a session so every decision