Add Regular dataclass + lore file loader

tests/test_regulars_v2.py

@@ -0,0 +1,27 @@
+from backend.services.regulars_v2 import Regular, load_regular, REGULARS_DIR, SILAS_DIR
+
+
+def test_load_regular_parses_frontmatter_and_body(tmp_path):
+    lore_file = tmp_path / "silas.md"
+    lore_file.write_text("""---
+name: Silas
+voice: Dennis
+age: 54
+arc_state: Cult is splintering after the eclipse failure
+---
+
+# Silas
+
+Silas runs a small desert cult outside Truth or Consequences...
+
+## Arc Log
+
+- 2026-03-01: First call, introduced the cult
+- 2026-03-20: Prophesied the eclipse
+""")
+    reg = load_regular(lore_file)
+    assert reg.name == "Silas"
+    assert reg.voice == "Dennis"
+    assert reg.age == 54
+    assert "splintering" in reg.arc_state
+    assert "Silas runs a small desert cult" in reg.lore_body