feat(voice): voice core — honest layer reach, spoken summary with on-screen card, narration, point-and-ask

- Voice layer manifest (src/voice/layerManifest.js) generates the layer enums,
  aliases and analyst field hints; a test fails when a catalog layer has no entry.
- analyst_query validates fields, operators, units, values and scopes, counts up
  to 250,000 loaded records per layer, reports complete/partial/unanswered, tells
  LAYER_OFF / NOT_READY / FEED_UNAVAILABLE apart from zero, refuses mismatched
  follow-ups and never lets a superseded query replace follow-up memory. Seven
  more layers expose analyst records.
- Tool results carry a code-built say line and a display card; the voice card in
  the mic control shows captions, plan steps and the result
  (src/voice/resultDisplay.js is the one adapter). Slow tools narrate their
  current step out of band; holding Space while the assistant talks cuts it off.
  Turn spans go to the debug log; caption transcription is metered; the log
  omits what was said unless GEV_VOICE_LOG_CONTENT=1.
- Point and ask: the Space-down pointer snapshot resolves "this", "that one" and
  "around here" through 'pointer' targets, and "the second one" through
  referent:n from the last numbered list.
- Prompt states each policy once (instructions + tools 48.5k -> 46.7k chars).
- Voice benchmark harness (scripts/qa-voice-bench.mjs, scripts/voice-bench/)
  shares its phrase table and grading with scripts/qa-voice-routing.mjs.

scripts/voice-bench/pricing.mjs

@@ -0,0 +1,58 @@
+/**
+ * Cost estimation for benchmark turns (USD). Pure.
+ *
+ * OpenAI Realtime: the app's own rate table (`src/voice/voiceCost.js`).
+ * `gpt-realtime-2.1` has no registry entry, so it resolves to the priciest
+ * known table (gpt-realtime-2) — which matches OpenAI's published 2.1 rates
+ * as read on 2026-09-23 ($4 / $0.40 cached / $24 per 1M text tokens).
+ *
+ * Gemini Live: https://ai.google.dev/gemini-api/docs/pricing, read 2026-09-23,
+ * gemini-3.8-live paid tier, USD per 1M tokens. Thinking tokens bill as text
+ * output. The native-audio Live model rejects TEXT output, so the benchmark
+ * requests AUDIO and the spoken confirmation bills at the audio-output rate.
+ */
+import { estimateUsageCostUsd, resolveVoiceModelById } from '../../src/voice/voiceCost.js';
+
+export const GEMINI_RATES = Object.freeze({
+  'gemini-3.8-live': Object.freeze({
+    textInput: 0.75,
+    audioInput: 3.0,
+    textOutput: 4.5,
+    audioOutput: 12.0,
+    verifiedOn: '2026-09-23',
+  }),
+});
+
+/** Cost of one Realtime `response.usage` for `model`. */
+export function openAiUsageCostUsd(model, usage) {
+  return estimateUsageCostUsd(usage, resolveVoiceModelById(model).rates);
+}
+
+const modalityCount = (details, modality) =>
+  (Array.isArray(details) ? details : [])
+    .filter((d) => String(d?.modality || '').toUpperCase() === modality)
+    .reduce((sum, d) => sum + (Number(d?.tokenCount) || 0), 0);
+
+/**
+ * Cost of one Gemini Live `usageMetadata`. Unattributed prompt tokens bill
+ * as audio input and unattributed response tokens as audio output — the
+ * conservative direction for a spend cap.
+ */
+export function geminiUsageCostUsd(model, usage) {
+  const rates = GEMINI_RATES[model] || GEMINI_RATES['gemini-3.8-live'];
+  if (!usage) return 0;
+  const prompt = Number(usage.promptTokenCount) || 0;
+  const response = Number(usage.responseTokenCount) || 0;
+  const thoughts = Number(usage.thoughtsTokenCount) || 0;
+  const textIn = modalityCount(usage.promptTokensDetails, 'TEXT');
+  const audioIn = Math.max(0, prompt - textIn);
+  const textOut = modalityCount(usage.responseTokensDetails, 'TEXT');
+  const audioOut = Math.max(0, response - textOut);
+  const usd =
+    (textIn * rates.textInput +
+      audioIn * rates.audioInput +
+      (textOut + thoughts) * rates.textOutput +
+      audioOut * rates.audioOutput) /
+    1_000_000;
+  return Number.isFinite(usd) && usd > 0 ? usd : 0;
+}