fix: address final review (path traversal, sync races, MCP limits)

Findings from a Codex (gpt-6.1-sol, xhigh) review of v0.2.4..HEAD, each
verified in the code before fixing:

- high: ticker symbols reached cache file paths unchecked, so a symbol
  like `../../REPORT` read (and deleted, if unparseable) .json files
  outside the cache, reachable through MCP get_quotes. resolve_symbol now
  accepts only ticker characters, and cache keys are encoded as single
  safe path components.
- high: sync decided before downloading and replaced the database
  without rechecking; an import that landed meanwhile was erased. It now
  rechecks the local state before installing, and idx-mcp runs
  ownership_sync exclusively with ownership reads.
- replaces_sqlite_sha256 never downgrades history: the client requires
  the rebuild to keep at least the local release count, and the
  publisher lists a replaced build only then.
- cache writes are atomic (temp file + rename), so concurrent readers
  never see, and delete, a partial entry.
- idx-mcp caps symbols (20, deduplicated) and limits, and runs at most 4
  tool calls at once.
- each Yahoo client gets its own cookie jar, paired with its crumb.
- ZIP entries (XLSX, KSEI archives) are read with a 256 MiB bound;
  non-ASCII archive dates and huge percentages are parse errors instead
  of panics or overflow.
- agent-smoke --keep deletes every copied agent config, not only auth
  files.

CLI goldens unchanged; the MCP tool golden changes only to state the
new caps.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

docs/SMOKE.md

@@ -92,7 +92,7 @@ tests/agents/agent-smoke.sh --live --case shareholders --keep          # real da
   your own agent settings and MCP servers are not loaded or changed. Logins
   are copied from the agent's home (Codex `auth.json`, pi and Hermes auth
   files) into a temp dir that is deleted afterwards; `--keep` keeps the run
-  output but still deletes the copied credentials.
+  output but still deletes every copied agent config.
 - Tools are auto-approved for the run (Claude `dontAsk` with
   `mcp__idx__*`, Codex `default_tools_approval_mode="approve"`); Claude and pi
   also get no built-in tools, so they can only answer through MCP.