spec-and-plan

Spec-first workflow for any feature or change expected to exceed one atomic commit, and for all work handed between Chef, Jo, or agent sessions. MUST be used when starting a new feature, refactor, or integration (House Elf features, MCP server changes, relay work, x402 extensions) — write the spec BEFORE any code. Also trigger on "plan this", "break this down", "spec this out", or when a task will be executed by a…