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  follow-ups and never lets a superseded query replace follow-up memory.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.

src/voice/realtimeCost.js

@@ -8,6 +8,7 @@ import {
   createVoiceCostTracker,
   resolveVoiceModel,
   formatCostUsd,
+  estimateTranscriptionCostUsd,
 } from './voiceCost.js';
 
 /** Own next-session preferences and the immutable-model session cost meter. */
@@ -16,6 +17,7 @@ export class RealtimeCost {
     Object.assign(this, { readUi, readStatus }, operations);
     this.voiceTier = readStoredVoiceTier();
     this.voiceLimits = readStoredVoiceLimits();
+    this.transcribeModel = null;
     this.costTracker = createVoiceCostTracker({
       tier: this.voiceTier,
       limits: this.voiceLimits,
@@ -136,7 +138,28 @@ export class RealtimeCost {
    */
   recordUsage(usage) {
     if (!usage) return null;
-    const state = this.costTracker.record(usage);
+    return this.applyCost(this.costTracker.record(usage));
+  }
+
+  /**
+   * Meter one input transcription (voice-card captions). It is billed apart
+   * from responses, so it is priced with the transcription model the server
+   * reported and folded into the same total, warning and cap.
+   */
+  recordTranscriptionUsage(usage) {
+    if (!usage) return null;
+    return this.applyCost(
+      this.costTracker.recordUsd(
+        estimateTranscriptionCostUsd(usage, this.transcribeModel),
+      ),
+    );
+  }
+
+  bindTranscriptionModel(model) {
+    this.transcribeModel = model && model !== 'off' ? model : null;
+  }
+
+  applyCost(state) {
     this.syncCostUi();
     if (state.warnCrossed) {
       // Exactly one line — the latch in the tracker guarantees it.