Stage 4: honest health, explicit error policy, event-bus integrity

Engine mode is now explicit: USE_MOCK_SIP=true is the only way to get
the mock engine; an unconfigured trunk fails startup with guidance
instead of silently degrading. Root-caused why the engine always ran
mock: nested pydantic-settings never read .env (no env_file on the
sub-settings classes) — all 8 now declare it.

/health stops lying: reports engine mode (sippy|mock), a live DB
SELECT 1, trunk registration state with reason, and TTS/STT
availability from their last real request; "healthy" now requires
ready + db + sippy + registered trunk.

Error policy: leaf services (tts/transcription/llm_client) raise and
track availability; call-loop callers catch, publish EventType.ERROR
naming the failed service, and apply an explicit fallback. Persistence
writes get one bounded 3x exponential retry, then an ERROR log — no
more silent data loss.

Event bus: a full subscriber queue drops its oldest event (counted)
instead of silently evicting the subscription; subscribe(replay_last=N)
delivers the advertised history replay, used by /ws/events (25).

Receptionist correctness: a matched TAKE_MESSAGE rule beats the LLM;
voicemail polls for early hangup and stops/transcribes/hangs up in
finally; RecordingSession finally keeps its leg_ids so taps detach.

Dead code removed: models/contact.py + Contact table, dtmf_buffer,
transcribe_stream stub, SMS stub in notification.py.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

.env.example

@@ -12,6 +12,9 @@ DATABASE_URL=postgresql+asyncpg://holdslayer:<db-password>@localhost:5432/holdsl
 API_TOKEN=
 
 # --- SIP Trunk ---
+# The mock engine must be requested explicitly; an unconfigured trunk
+# without USE_MOCK_SIP=true refuses to start.
+USE_MOCK_SIP=false
 SIP_TRUNK_HOST=sip.yourprovider.com
 SIP_TRUNK_PORT=5060
 SIP_TRUNK_USERNAME=your_sip_username