docs + chore(workplan): complete T07 (final) for CYA-WP-0003 — heavy README Memory section, AGENTS update, MemoryVision addition, debt registration

AGENTS.md

@@ -175,13 +175,16 @@ cya "your natural language request here"
 cya --help
 cya --explain-context "show me what context would be collected"
 
-# Memory is now real (T02)
-# Preferences persist in ~/.config/cya/memory/<scope>.json (user-controlled JSON)
+# Memory features (0003)
+cya retrospect                    # Guided reflection session to set goals & preferences
+cya --explain-context "..."       # See exactly which memory was activated (including from retrospection)
+
+# Memory is user-controlled and scoped
+# Backing files: ~/.config/cya/memory/<scope>.json (plain JSON, fully editable)
 cya "remember that I always want --short --branch on git status"
 
-# Tests (safety + memory)
+# Tests (safety + memory + activation + retrospection)
 python -m pytest tests/ -q
-# or: pytest tests/ -q
 
 # Git / inspection (always useful)
 git status --short
@@ -193,7 +196,9 @@ No formal lint or build system yet (ruff is configured in pyproject.toml but not
 
 Current primary entry point: `cya` (after editable install).
 
-Memory workplan: `workplans/CYA-WP-0002-memory-integration-roadmap.md`
+Relevant workplans:
+- `workplans/CYA-WP-0002-memory-integration-roadmap.md`
+- `workplans/CYA-WP-0003-contextual-memory-activation-and-retrospection.md` (current)
 
 ## Workplan Convention