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- Add embed() to AIClient using Ollama nomic-embed-text via /v1/embeddings - Add DEFAULT_EMBED_MODEL and embed_model field to AIConfig - New rag_retriever.py: chunk_report(), EmbeddedChunk, retrieve() (pure-Python cosine) - prompt_builder: add build_message_with_chunks() for RAG-aware follow-up prompts - cli: add --no-rag flag, embed report chunks after collection, retrieve top-5 per question - Graceful fallback to full-context if embedding model unavailable - 16 new tests in test_rag_retriever.py (67 total, all passing) - Add chromadb>=0.5 as optional [rag] dep in pyproject.toml - README: add step 3 (pull nomic-embed-text), update Suggested Tooling table