Loki Mode

Finish and own: a plain-English handoff for whoever owns the result

Loki has always produced a developer-oriented handoff. This adds a plain-English
ownership handoff for a non-technical owner -- a founder or PM who needs to
understand what was built and how to run it without reading the code.

• loki own (alias: loki handoff) prints, in plain language: what you have now
  (restated from your brief), whether Loki verified it works, how to run it on
  your computer, how to put it online, what a developer needs to know, and what
  is left to do or decide. loki own --md writes HANDOFF.md to the project root;
  --json emits the structured form.
• A build also writes HANDOFF.md at the end (default-on, opt out with
  LOKI_HANDOFF=0), so the ownership doc is there without running a command.
• It is a pure render over data Loki already captured -- the Evidence Receipt,
  the completion summary, and USAGE.md -- so it cannot fabricate. The "is it
  working?" verdict is the receipt's honest headline verbatim: it never says the
  work is ready unless the receipt is VERIFIED, and it lists what was not
  verified, what was not deployed, and what you still need to decide.

About 13 tests lock the honesty guarantees (a not-verified build can never render
a green "it works" claim; the doc introduces no feature beyond your brief).