Add rpa-bot-handoff skill: ops guide for bot handover

The skill scans a bot with subagents (never runs it) and writes
HANDOVER.md, an 11-section ops guide in the operator's order: where is
what, how to run, how long to wait, after the run, how to see an
exception, exception list, how you will know, how to tell us, don'ts,
issues seen before. Dev material (check against 12 failure classes from
Tebra Auto Post, gaps with file:line, incidents) goes to HANDOVER-DEV.md.

Also adds ADR-0004, glossary terms, five fixture bots and a handoff eval
runner (--resume, --regrade) with results from 47 runs of the earlier
13-section version. The grader still expects that structure and must be
updated before the next eval run.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

tests/fixtures/h-api-sync/_history.json

@@ -0,0 +1,5 @@
+[
+  {"msg": "fix: rate limit 429 crashed the hourly run - add retries with backoff", "file": "sync.py"},
+  {"msg": "fix: duplicate invoices when the API timed out (504) after it had already created the invoice - check before retry", "file": "sync.py"},
+  {"msg": "chore: bump to 0.9.1", "file": "README.md"}
+]