fix(coach): phrase the daily-limit reset as midnight UTC

The budget-exceeded copy named "00:00 UTC", which reads as a wrong local
clock for any non-UTC user (Berlin midnight UTC is 01:00/02:00 local) and
drove confused "the limit resets at the wrong time" reports. Reword
dailyLimitBody across all six locales to "midnight UTC", matching the
existing errorBudget wording, so the figure is honest regardless of the
reader's timezone.

messages/de.json

@@ -2224,7 +2224,7 @@
       "feedbackThanks": "Danke für das Signal.",
       "feedbackError": "Feedback konnte nicht gespeichert werden",
       "dailyLimitTitle": "Heute-Limit erreicht",
-      "dailyLimitBody": "Heute-Limit erreicht; Reset um 00:00 UTC.",
+      "dailyLimitBody": "Tageslimit erreicht. Das Budget setzt sich um Mitternacht (UTC) zurück.",
       "providerRateLimitTitle": "Provider rate-limited",
       "providerRateLimitBody": "Provider ist temporär überlastet; Reset in ~5 min.",
       "cluster": {

messages/en.json

@@ -2224,7 +2224,7 @@
       "feedbackThanks": "Thanks for the signal.",
       "feedbackError": "Could not save feedback",
       "dailyLimitTitle": "Daily limit reached",
-      "dailyLimitBody": "Daily limit reached; resets at 00:00 UTC.",
+      "dailyLimitBody": "Daily limit reached. The budget refreshes at midnight UTC.",
       "providerRateLimitTitle": "Provider rate-limited",
       "providerRateLimitBody": "Provider temporarily rate-limited; retry in ~5 min.",
       "cluster": {

messages/es.json

@@ -2222,7 +2222,7 @@
       "feedbackThanks": "Gracias por la indicación.",
       "feedbackError": "No se pudo guardar el comentario",
       "dailyLimitTitle": "Límite diario alcanzado",
-      "dailyLimitBody": "Límite diario alcanzado; reinicio a las 00:00 UTC.",
+      "dailyLimitBody": "Límite diario alcanzado. El cupo se reinicia a medianoche (UTC).",
       "providerRateLimitTitle": "Proveedor con límite de tasa",
       "providerRateLimitBody": "El proveedor está temporalmente saturado; reinicio en ~5 min.",
       "settingsContextLabel": "Enviar contexto",

messages/fr.json

@@ -2222,7 +2222,7 @@
       "feedbackThanks": "Merci pour l’indication.",
       "feedbackError": "Impossible d'enregistrer le retour",
       "dailyLimitTitle": "Limite quotidienne atteinte",
-      "dailyLimitBody": "Limite quotidienne atteinte ; réinitialisation à 00:00 UTC.",
+      "dailyLimitBody": "Limite quotidienne atteinte. Le quota se réinitialise à minuit (UTC).",
       "providerRateLimitTitle": "Fournisseur limité en débit",
       "providerRateLimitBody": "Le fournisseur est temporairement saturé ; réinitialisation dans ~5 min.",
       "settingsContextLabel": "Envoyer le contexte",

messages/it.json

@@ -2222,7 +2222,7 @@
       "feedbackThanks": "Grazie per il segnale.",
       "feedbackError": "Impossibile salvare il feedback",
       "dailyLimitTitle": "Limite giornaliero raggiunto",
-      "dailyLimitBody": "Limite giornaliero raggiunto; reset alle 00:00 UTC.",
+      "dailyLimitBody": "Limite giornaliero raggiunto. Il budget si reimposta a mezzanotte (UTC).",
       "providerRateLimitTitle": "Provider con rate-limit",
       "providerRateLimitBody": "Il provider è temporaneamente sovraccarico; reset in ~5 min.",
       "settingsContextLabel": "Invia contesto",

messages/pl.json

@@ -2222,7 +2222,7 @@
       "feedbackThanks": "Dzięki za sygnał.",
       "feedbackError": "Nie udało się zapisać opinii",
       "dailyLimitTitle": "Osiągnięto dzienny limit",
-      "dailyLimitBody": "Osiągnięto dzienny limit; reset o 00:00 UTC.",
+      "dailyLimitBody": "Osiągnięto dzienny limit. Limit resetuje się o północy (UTC).",
       "providerRateLimitTitle": "Dostawca z ograniczeniem",
       "providerRateLimitBody": "Dostawca jest tymczasowo przeciążony; reset za ~5 min.",
       "settingsContextLabel": "Wysyłaj kontekst",

src/components/insights/coach-panel/__tests__/message-thread.test.tsx

@@ -618,7 +618,9 @@ describe("<MessageThread>", () => {
         })}
       />,
     );
-    expect(html).toContain("Daily limit reached; resets at 00:00 UTC.");
+    expect(html).toContain(
+      "Daily limit reached. The budget refreshes at midnight UTC.",
+    );
     // v1.4.33 IW7 — fallback copy rewritten ("AI provider" -> "Insights
     // provider"). Both old and new strings should be absent here when
     // the budget-exceeded error takes precedence.