Tilføj Smiley session watchdog og bc-mcp preload-regel

- custom/agents/smiley.agent.md: ny altid-aktiv session watchdog (George Smiley).
  Observerer hele sessionen, aktiverer Columbo/al-triage/Francis/bc-mcp/weber
  diskret uden at annoncere sig selv. Stop-gate forhindrer kode uden afklaret krav.

- custom/knowledge/mcp/bc-mcp-tools-must-be-preloaded.md: ny MCP-regel godkendt
  af Immanuel (alle 4 Categorical Imperative tests bestået). BC MCP tool-schemas
  skal pre-loades via ToolSearch ved agent-invokering for at undgå mid-task latency.

- custom/setup/curabis-standard.agent.md: Smiley tilføjet til artifacts-liste,
  Smiley-sektion tilføjet til CLAUDE.md-template, Mode B visibility-check opdateret
  med Smiley special-case (always-active, ikke on-demand).

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

custom/knowledge/mcp/bc-mcp-tools-must-be-preloaded.md

@@ -0,0 +1,50 @@
+---
+rule: bc-mcp-tools-must-be-preloaded
+title: BC MCP tool schemas must be pre-loaded at session start
+category: mcp
+severity: required
+---
+
+# BC MCP tool schemas must be pre-loaded at session start
+
+## Rule
+
+When the `bc-mcp.agent.md` agent is invoked, the very first action must be to load
+the BC MCP tool schemas via `ToolSearch` — before producing any user-visible output.
+
+```
+ToolSearch query: select:mcp__businesscentral__bc_actions_search,mcp__businesscentral__bc_actions_invoke,mcp__businesscentral__bc_actions_describe
+```
+
+This call must complete before the agent responds to the user.
+
+## Why
+
+Claude Code loads MCP tool schemas lazily ("deferred"). If the first `ToolSearch` call
+happens mid-task — after the user has already received a response — the user experiences
+unexpected latency at the moment they expect an action, not setup.
+
+Pre-loading at invocation time moves the cost to a predictable point (agent startup)
+and eliminates mid-task delays entirely.
+
+## What counts as a violation
+
+- The agent issues any user-visible text or takes any BC action before calling `ToolSearch`
+  to load the three `mcp__businesscentral__bc_actions_*` schemas.
+- The agent assumes the schemas are already loaded from a previous session without verifying.
+
+## Correct pattern
+
+```
+# bc-mcp.agent.md session start
+
+1. ToolSearch: select:mcp__businesscentral__bc_actions_search,
+               mcp__businesscentral__bc_actions_invoke,
+               mcp__businesscentral__bc_actions_describe
+2. [proceed with user request]
+```
+
+## Scope
+
+Applies to every invocation of `bc-mcp.agent.md` in every CURABIS project that uses
+the Business Central MCP bridge (`bc-mcp-bridge.js`).