Add templates directory README explaining client fork resources

Co-authored-by: jmiller-moko <230051081+jmiller-moko@users.noreply.github.com>

templates/README.md

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+<!-- Copyright (C) 2026 Moko Consulting <hello@mokoconsulting.tech>
+
+ SPDX-License-Identifier: GPL-3.0-or-later
+
+ BRIEF: Template files directory README
+ -->
+
+# MokoCassiopeia Template Files
+
+This directory contains template files for client customizations and custom code forks.
+
+---
+
+## 📁 Available Templates
+
+### Custom Color Scheme Template
+
+**File**: `colors_custom.css`
+
+A comprehensive template for creating custom color schemes. This template includes all CSS variables used by MokoCassiopeia for both light and dark modes.
+
+**Usage**:
+1. Copy this file to either:
+   - `src/media/css/colors/light/colors_custom.css` (for light mode)
+   - `src/media/css/colors/dark/colors_custom.css` (for dark mode)
+2. Customize the CSS variables to match your brand colors
+3. Enable in Joomla: System → Site Templates → MokoCassiopeia → Theme tab
+4. Set the appropriate palette to "Custom"
+
+**Reference**: See [CSS Variables Documentation](../docs/CSS_VARIABLES.md) for complete variable reference.
+
+---
+
+### Client Fork README Template
+
+**File**: `CLIENT_FORK_README_TEMPLATE.md`
+
+A simplified README template for client-specific forks. Use this as a starting point for documenting your customizations.
+
+**Usage**:
+1. Copy this file to the root of your fork repository as `README.md`
+2. Replace `[CLIENT NAME]` with your client's name
+3. Fill in brand colors and contact information
+4. Add client-specific notes and configurations
+
+**For Comprehensive Fork Setup**: See [CLIENT_FORK_README.md](../CLIENT_FORK_README.md) for the complete client fork guide.
+
+---
+
+## 🎯 When to Use These Templates
+
+### Creating a Client Fork
+
+If you're creating a custom fork of MokoCassiopeia for a specific client:
+
+1. **Start with the full guide**: Read [CLIENT_FORK_README.md](../CLIENT_FORK_README.md)
+2. **Set up custom colors**: Use `colors_custom.css` as your starting point
+3. **Document your fork**: Copy `CLIENT_FORK_README_TEMPLATE.md` to your fork
+
+### Custom Colors Only
+
+If you just need custom colors without forking:
+
+1. Use the `colors_custom.css` template
+2. Follow the instructions in the [main README](../README.md#custom-color-palettes)
+3. Enable custom palette in Joomla template settings
+
+---
+
+## 📚 Additional Resources
+
+- **[Main README](../README.md)** - MokoCassiopeia features and installation
+- **[Client Fork Guide](../CLIENT_FORK_README.md)** - Complete guide for client forks
+- **[CSS Variables Reference](../docs/CSS_VARIABLES.md)** - All available CSS variables
+- **[Development Guide](../docs/JOOMLA_DEVELOPMENT.md)** - Development workflows
+
+---
+
+**Template Directory**: `/templates/`  
+**Version**: 03.06.03  
+**Maintained by**: Moko Consulting