refactor(baoyu-article-illustrator): extract palette as independent third dimension

- Create palettes/ directory with macaron, warm, neon palette files
- Move macaron from styles/ to palettes/ (color scheme, not rendering style)
- Extract warm palette variant from vector-illustration into shared palette
- Add neon palette extracted from retro style colors
- Update architecture from Type × Style to Type × Style × Palette
- Add Palette Gallery and override rules to styles.md
- Add Palette Override section to prompt-construction.md
- Update presets table with Palette column
- Add palette selection step to workflow
- Add preferred_palette to EXTEND.md schema

skills/baoyu-article-illustrator/references/palettes/warm.md

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+# warm
+
+Warm earth tones on soft peach, no cool colors
+
+## Background
+
+- Color: Soft Peach (#FFECD2)
+- Texture: Warm paper texture
+
+## Colors
+
+| Role | Color | Hex | Usage |
+|------|-------|-----|-------|
+| Background | Soft Peach | #FFECD2 | Primary background |
+| Outlines | Deep Charcoal | #2D2D2D | All element outlines |
+| Primary | Warm Orange | #ED8936 | Main accent color |
+| Secondary | Terracotta | #C05621 | Warm depth |
+| Tertiary | Golden Yellow | #F6AD55 | Highlights, energy |
+| Accent | Deep Brown | #744210 | Grounding, anchoring |
+| Text | Warm Charcoal | #4A4A4A | Text elements |
+
+## Accent
+
+Warm Orange (#ED8936) for primary emphasis. Warm-only palette — no cool colors (no green, blue, purple). Modern-retro feel.
+
+## Best For
+
+Product showcases, team introductions, feature grids, brand content, personal growth, lifestyle