fix(skills): inject skill list into system prompt for LLM awareness

Problem: Agent could not invoke appropriate skills when user asked about
financial reports because LLM didn't know which skills were available.

Root causes:
1. System prompt lacked available skill list
2. SkillManifest struct missing 'triggers' field
3. SKILL.md loader not parsing triggers list
4. "财报" keyword not matching "财务报告" trigger

Changes:
- Add triggers field to SkillManifest struct
- Parse triggers list from SKILL.md frontmatter
- Inject skill list into system prompt in kernel.rs
- Add "财报", "财务数据", "盈利", "营收" triggers to finance-tracker
- Add "财报分析" trigger to analytics-reporter
- Document fix in troubleshooting.md

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

crates/zclaw-skills/src/loader.rs

@@ -41,6 +41,8 @@ pub fn parse_skill_md(content: &str) -> Result<SkillManifest> {
     let mut mode = SkillMode::PromptOnly;
     let mut capabilities = Vec::new();
     let mut tags = Vec::new();
+    let mut triggers = Vec::new();
+    let mut in_triggers_list = false;
 
     // Parse frontmatter if present
     if content.starts_with("---") {
@@ -51,6 +53,15 @@ pub fn parse_skill_md(content: &str) -> Result<SkillManifest> {
                 if line.is_empty() || line == "---" {
                     continue;
                 }
+
+                // Handle triggers list items
+                if in_triggers_list && line.starts_with("- ") {
+                    triggers.push(line[2..].trim().trim_matches('"').to_string());
+                    continue;
+                } else {
+                    in_triggers_list = false;
+                }
+
                 if let Some((key, value)) = line.split_once(':') {
                     let key = key.trim();
                     let value = value.trim().trim_matches('"');
@@ -69,6 +80,16 @@ pub fn parse_skill_md(content: &str) -> Result<SkillManifest> {
                                 .map(|s| s.trim().to_string())
                                 .collect();
                         }
+                        "triggers" => {
+                            // Check if it's a list on next lines or inline
+                            if value.is_empty() {
+                                in_triggers_list = true;
+                            } else {
+                                triggers = value.split(',')
+                                    .map(|s| s.trim().trim_matches('"').to_string())
+                                    .collect();
+                            }
+                        }
                         _ => {}
                     }
                 }
@@ -137,6 +158,7 @@ pub fn parse_skill_md(content: &str) -> Result<SkillManifest> {
         input_schema: None,
         output_schema: None,
         tags,
+        triggers,
         enabled: true,
     })
 }
@@ -159,6 +181,7 @@ pub fn parse_skill_toml(content: &str) -> Result<SkillManifest> {
     let mut mode = "prompt_only".to_string();
     let mut capabilities = Vec::new();
     let mut tags = Vec::new();
+    let mut triggers = Vec::new();
 
     for line in content.lines() {
         let line = line.trim();
@@ -189,6 +212,13 @@ pub fn parse_skill_toml(content: &str) -> Result<SkillManifest> {
                         .filter(|s| !s.is_empty())
                         .collect();
                 }
+                "triggers" => {
+                    let value = value.trim_start_matches('[').trim_end_matches(']');
+                    triggers = value.split(',')
+                        .map(|s| s.trim().trim_matches('"').to_string())
+                        .filter(|s| !s.is_empty())
+                        .collect();
+                }
                 _ => {}
             }
         }
@@ -215,6 +245,7 @@ pub fn parse_skill_toml(content: &str) -> Result<SkillManifest> {
         input_schema: None,
         output_schema: None,
         tags,
+        triggers,
         enabled: true,
     })
 }