Replace Ollama-specific backend with unified org-skill-unified-llm-backend that speaks OpenAI API. Works with: - Local: Ollama (default), vLLM, LM Studio, llama.cpp - Cloud: OpenRouter, OpenAI, Anthropic, Groq, Gemini Providers auto-registered from env vars. No separate skills per provider. Cascade order configured via PROVIDER_CASCADE env var. Also fix .env loading path in loop (was .local/share, now .config matches wizard).