Import 9 alphaear finance skills

- alphaear-deepear-lite: DeepEar Lite API integration
- alphaear-logic-visualizer: Draw.io XML finance diagrams
- alphaear-news: Real-time finance news (10+ sources)
- alphaear-predictor: Kronos time-series forecasting
- alphaear-reporter: Professional financial reports
- alphaear-search: Web search + local RAG
- alphaear-sentiment: FinBERT/LLM sentiment analysis
- alphaear-signal-tracker: Signal evolution tracking
- alphaear-stock: A-Share/HK/US stock data

Updates:
- All scripts updated to use universal .env path
- Added JINA_API_KEY, LLM_*, DEEPSEEK_API_KEY to .env.example
- Updated load_dotenv() to use ~/.config/opencode/.env

skills/alphaear-predictor/scripts/utils/llm/factory.py

@@ -0,0 +1,114 @@
+import os
+from agno.models.openai import OpenAIChat
+from agno.models.ollama import Ollama
+from agno.models.dashscope import DashScope
+from agno.models.deepseek import DeepSeek
+from agno.models.openrouter import OpenRouter
+
+def get_model(model_provider: str, model_id: str, **kwargs):
+    """
+    Factory to get the appropriate LLM model.
+    
+    Args:
+        model_provider: "openai", "ollama", "deepseek"
+        model_id: The specific model ID (e.g., "gpt-4o", "llama3", "deepseek-chat")
+        **kwargs: Additional arguments for the model constructor
+    """
+    if model_provider == "openai":
+        return OpenAIChat(id=model_id, **kwargs)
+    
+    elif model_provider == "ollama":
+        return Ollama(id=model_id, **kwargs)
+    
+    elif model_provider == "deepseek":
+        # DeepSeek is OpenAI compatible
+        api_key = os.getenv("DEEPSEEK_API_KEY")
+        if not api_key:
+            print("Warning: DEEPSEEK_API_KEY not set.")
+        
+        return DeepSeek(
+            id=model_id,
+            api_key=api_key,
+            **kwargs
+        )
+    elif model_provider == "dashscope":
+        api_key = os.getenv("DASHSCOPE_API_KEY")
+        if not api_key:
+            print("Warning: DASHSCOPE_API_KEY not set.")
+        
+        return DashScope(
+            id=model_id,
+            base_url="https://dashscope.aliyuncs.com/compatible-mode/v1",
+            api_key=api_key,
+            **kwargs
+        )
+    elif model_provider == 'openrouter':
+        api_key = os.getenv("OPENROUTER_API_KEY")
+        if not api_key:
+            print('Warning: OPENROUTER_API_KEY not set.')
+        
+        return OpenRouter(
+            id=model_id,
+            api_key=api_key,
+            **kwargs
+        )
+
+    elif model_provider == 'zai':
+        api_key = os.getenv("ZAI_KEY_API")
+        if not api_key:
+            print('Warning: ZAI_KEY_API not set.')
+
+        # role_map to ensure compatibility.
+        default_role_map = {
+            "system": "system",
+            "user": "user",
+            "assistant": "assistant",
+            "tool": "tool",
+            "model": "assistant",
+        }
+
+        # Allow callers to override role_map via kwargs, otherwise use default
+        role_map = kwargs.pop("role_map", default_role_map)
+        
+        return OpenAIChat(
+            id=model_id,
+            base_url="https://api.z.ai/api/paas/v4",
+            api_key=api_key,
+            timeout=60,
+            role_map=role_map,
+            extra_body={"enable_thinking": False}, # TODO: one more setting for thinking
+            **kwargs
+        )
+    
+    elif model_provider == 'ust':
+        api_key = os.getenv("UST_KEY_API")
+        if not api_key:
+            print('Warning: UST_KEY_API not set.')
+        
+        # Some UST-compatible endpoints expect the standard OpenAI role names
+        # (e.g. "system", "user", "assistant") rather than Agno's default
+        # mapping which maps "system" -> "developer". Provide an explicit
+        # role_map to ensure compatibility.
+        default_role_map = {
+            "system": "system",
+            "user": "user",
+            "assistant": "assistant",
+            "tool": "tool",
+            "model": "assistant",
+        }
+
+        # Allow callers to override role_map via kwargs, otherwise use default
+        role_map = kwargs.pop("role_map", default_role_map)
+
+        return OpenAIChat(
+            id=model_id,
+            api_key=api_key,
+            base_url=os.getenv("UST_URL"),
+            role_map=role_map,
+            extra_body={"enable_thinking": False}, # TODO: one more setting for thinking
+            **kwargs
+        )
+    
+    else:
+        raise ValueError(f"Unknown model provider: {model_provider}")
+