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-search/references/PROMPTS.md

@@ -0,0 +1,20 @@
+# AlphaEar Search Prompts
+
+## Search Cache Relevance (Smart Cache)
+
+**Prompt:**
+
+```markdown
+Task: Decide if existing information from previous searches or local news is sufficient for the new search query.
+
+New Query: "{current_query}"
+
+Available Information Candidates:
+{candidates_desc}
+
+Instructions:
+1. Analyze if any candidate provides ENOUGH up-to-date info for the "New Query".
+2. If yes, choose the best one.
+3. If the query implies needing LATEST real-time info and candidates are older than a few hours/days (depending on topic volatility), choose none.
+4. Return strictly JSON: {"reuse": true/false, "index": <candidate_index_int>, "reason": "short explanation"}
+```