feat: add telos-load and regulatory-risk-assessment skills

- telos-load: harness-agnostic TELOS session context loading (closes #4)
- regulatory-risk-assessment: CAD compliance gate + risk register (closes #3)

Bump-Type: minor

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

SKILLS_INDEX.md

@@ -23,6 +23,8 @@ This index lists all available engineering skills. Load the full SKILL.md on dem
 | `session-retrospective` | Surface non-obvious learnings from a session log | After a coding session ends, before context is lost |
 | `trainer` | Two-phase brain curation (score candidates, write past quality gate) | Periodic brain pruning and curation |
 | `grill-me` | Structured plan interrogation — Quick Poke, Full Grill, Pre-mortem | Stress-testing a plan before committing; end of Diamond 1; before promoting to pre-prod |
+| `telos-load` | Load TELOS intention substrate at session start | Starting any koala session; before architectural decisions; CAD pipeline entry |
+| `regulatory-risk-assessment` | Structured risk register for regulated-industry features | Filing a CAD issue (needs Risk: level); features touching payments, auth, external APIs, user data |
 
 ## Wiring into tools
 
@@ -89,3 +91,5 @@ grill-me ──→ planning (after plan is sharpened)
 | "Grill me / stress-test this / is this ready?" | `grill-me` |
 | "End of Diamond 1 — should we build this?" | `grill-me` (Full Grill) |
 | "About to promote to pre-prod" | `grill-me` (Pre-mortem) |
+| "What are the risks?" / "compliance gate" / "risk register" | `regulatory-risk-assessment` |
+| "Start of session" / "load TELOS" / "what are we optimizing toward?" | `telos-load` |