feat: add Voice-to-Text section and voice-refine skill

- Add section 5 "Voice-to-Text Tools" to ai-ecosystem.md
  - Tool comparison (Wispr Flow, Superwhisper, MacWhisper)
  - Vibe Coding workflow and trade-offs
  - Recommendations by user profile
- Create voice-refine skill in examples/skills/
  - Transforms verbose voice input into structured prompts
  - 4-step pipeline: Dedupe → Extract → Structure → Compress
  - Before/after examples with ~3.3x compression ratio
- Update reference.yaml with new entries and corrected line numbers
  - ai_ecosystem_voice_to_text: line 449
  - voice_refine_skill: new skill reference
  - cowork_section: 701 → 760
  - alternative_providers: 902 → 959

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

machine-readable/reference.yaml

@@ -116,7 +116,9 @@ deep_dive:
   ai_ecosystem_workflows: 10545
   ai_ecosystem_integration: 10671
   ai_ecosystem_detailed: "guide/ai-ecosystem.md"
-  ai_ecosystem_alternative_providers: "guide/ai-ecosystem.md:902"
+  ai_ecosystem_voice_to_text: "guide/ai-ecosystem.md:449"
+  ai_ecosystem_alternative_providers: "guide/ai-ecosystem.md:959"
+  voice_refine_skill: "examples/skills/voice-refine/SKILL.md"
   # Cowork documentation (expanded - see cowork/)
   cowork_hub: "cowork/README.md"
   cowork_summary: "guide/cowork.md"
@@ -130,7 +132,7 @@ deep_dive:
   cowork_faq: "cowork/reference/faq.md"
   cowork_prompts: "cowork/prompts/README.md"
   cowork_workflows: "cowork/workflows/README.md"
-  cowork_section: "guide/ai-ecosystem.md:701"
+  cowork_section: "guide/ai-ecosystem.md:760"
   cowork_ultimate_guide: 10725
 
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