Chore: Update spec-kit and install memory-loader extension

.specify/extensions/memory-loader/README.md

@@ -0,0 +1,81 @@
+# spec-kit-memory-loader
+
+A [Spec Kit](https://github.com/github/spec-kit) extension that loads `.specify/memory/` files before spec-kit lifecycle commands so LLM agents have project governance context (constitution, glossary, conventions, resource standards).
+
+## Problem
+
+Spec-kit lifecycle commands (`/speckit.specify`, `/speckit.plan`, `/speckit.implement`, etc.) execute without awareness of project-specific governance documents stored in `.specify/memory/`. This means:
+
+- Constitution principles are not consulted during specification
+- Glossary terms are not available during planning
+- Coding conventions are missed during implementation
+- Resource standards are ignored during task generation
+
+## Solution
+
+The Memory Loader extension registers `before_*` hooks on all major spec-kit lifecycle commands. Before each command runs, it reads every `.md` file from `.specify/memory/` and outputs their contents, giving the LLM agent full governance context.
+
+## Installation
+
+```bash
+# From release
+specify extension add memory-loader --from https://github.com/KevinBrown5280/spec-kit-memory-loader/archive/refs/tags/v1.0.0.zip
+
+# From main branch
+specify extension add memory-loader --from https://github.com/KevinBrown5280/spec-kit-memory-loader/archive/refs/heads/main.zip
+
+# Development mode (local clone)
+specify extension add --dev /path/to/spec-kit-memory-loader
+```
+
+## Commands
+
+| Command | Description | Modifies Files? |
+|---------|-------------|-----------------|
+| `speckit.memory-loader.load` | Read all project memory files and output their contents for context | No — read-only |
+
+## How It Works
+
+1. **Gather**: Reads every `.md` file from `.specify/memory/`
+   - If the directory does not exist, skips silently
+   - If a file cannot be read, skips it and continues
+
+2. **Output**: For each file, prints a headed section:
+   ```
+   ## Memory: {filename}
+
+   {file contents}
+   ```
+
+3. **Summarize**: After all files, outputs:
+   ```
+   Context loaded: {memory_count} memory files
+   ```
+
+## Hooks
+
+The extension fires automatically before these lifecycle commands:
+
+| Hook | Command | Description |
+|------|---------|-------------|
+| `before_specify` | `speckit.memory-loader.load` | Load context before specification |
+| `before_plan` | `speckit.memory-loader.load` | Load context before planning |
+| `before_tasks` | `speckit.memory-loader.load` | Load context before task generation |
+| `before_implement` | `speckit.memory-loader.load` | Load context before implementation |
+| `before_clarify` | `speckit.memory-loader.load` | Load context before clarification |
+| `before_checklist` | `speckit.memory-loader.load` | Load context before checklist generation |
+| `before_analyze` | `speckit.memory-loader.load` | Load context before analysis |
+
+## Design Decisions
+
+- **Read-only** — never modifies any files
+- **Graceful degradation** — missing directory or unreadable files are skipped silently
+- **Governance only** — loads project-level memory; feature-specific reference docs are handled separately by a companion extension
+
+## Requirements
+
+- Spec Kit >= 0.6.0
+
+## License
+
+MIT