v4.0.1 — fix: multi-role verbs bootstrap default team on first use

First-time v4 users who'd just completed `tools/v4-first-run.md` and ran a step verb (instead of `adopt` or `team` first) hit a missing-directory crash when those verbs tried to write to `~/.hacky-hours/teams/default/agents//history.md`. `v4-first-run.md` intentionally defers team creation, but no verb other than `adopt` and `team` knew to bootstrap on demand.

Fixed

• Multi-role verbs now bootstrap the default team on first use (#7). The two-step guard (global skeleton + default team bootstrap) is now centralized in `references/team-preflight.md` and included from every multi-role verb (steps 1–5, `reviews/audit`, `tools/arbitrate`). `tools/adopt.md`'s inline guard is refactored to use the same reference — one source of truth.

Install

```bash
curl -fsSL https://raw.githubusercontent.com/empathetech/hacky-hours-docs/main/install.sh | bash
```

Compatibility

No breaking changes. Drop-in upgrade from v4.0.0. Existing teams + projects unaffected — this fixes a fresh-install crash, not anything that worked previously.

PR: #12