feat(voice): self-hosted speech recognition via Whisper (STT_*)

- STT_URL switches voice input to an OpenAI-compatible Whisper server
  (e.g. speaches); without it the browser's recognition stays. Configured
  by environment only, with limits for upload size, parallel jobs, hourly
  budget per user and timeout. The demo always uses the browser.
- POST /voice/transcribe forwards recordings and returns the text; nothing
  is stored. On startup MindSift waits for the server and asks it to
  download the model if missing.
- Admin card shows the active mode and server state, with a test recording.
- docker-compose: optional "whisper" service (speaches 0.8.3 CPU, profile
  "whisper", models in ./whisper).

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

.gitignore

@@ -18,3 +18,6 @@ dev-data/
 .idea/
 .vscode/
 e2e/node_modules/
+
+# Whisper models (docker compose service "whisper")
+whisper/