fix: add dotenv loading to migration scripts + create inst_036 anti-quick-fix rule

MongoDB authentication fixes:
- load-inst-035.js: Add dotenv.config() to load .env file
- migrate-value-pluralism-docs.js: Add dotenv.config() to load .env file
- Scripts now properly authenticate with production MongoDB

Governance enhancement:
- inst_036: NEVER attempt quick fixes when working with human PM
- Prohibits shortcuts, workarounds, partial implementations
- Requires proper root cause analysis and thorough solutions
- Exception only for critical production outages
- Enforces inst_004 (world-class quality) in all development

Root cause: Scripts weren't loading .env, couldn't access MongoDB credentials
Impact: Production migrations will now work correctly

🤖 Generated with [Claude Code](https://claude.com/claude-code)

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

scripts/load-inst-035.js

@@ -5,6 +5,9 @@
  * This resolves the startup warning about missing inst_035
  */
 
+// Load environment variables from .env file
+require('dotenv').config();
+
 const mongoose = require('mongoose');
 const config = require('../src/config/app.config');
 

scripts/migrate-value-pluralism-docs.js

@@ -3,6 +3,9 @@
  * Adds three new value pluralism documents to the documents collection
  */
 
+// Load environment variables from .env file
+require('dotenv').config();
+
 const mongoose = require('mongoose');
 const marked = require('marked');
 const fs = require('fs').promises;