Screen model output on the status-card surface and thread locale into the outbound guard

The outbound safety screen ran on the Coach only. A dose-change imperative or
a fabricated clinical risk score written onto a per-metric, biomarker or
derived-score status card persisted as that day's cached assessment, while the
identical sentence in the Coach was caught and replaced -- the only transform
between provider and persistence was whitespace normalisation.

Move the pattern banks into a shared screen that takes the reader's locale.
The old signature took no locale, so the dose-refusal and risk-score contracts
had no enforcement for fr/es/it/pl even though the ground rules ship in all six
contract files. Banks now cover all six locales and each screen runs the
reader's bank plus English, since a provider often answers in English
regardless of the language directive.

Status cards withhold on a trip: serve the deterministic stub and persist no
model text. Nobody waits on a background-generated card, and persisting a
refusal would pin it to the card for the day.

src/app/api/insights/chat/route.ts

@@ -925,7 +925,7 @@ Reply now as the assistant, in ${locale === "de" ? "German" : "English"}. Fetch
     // the system-prompt GLP-1/grounding contracts. On a trip the turn is
     // replaced with a calm, grounded fallback and any reminder suggestion /
     // key-value provenance is dropped — the user never sees the unsafe text.
-    const outbound = screenCoachReply(replyText);
+    const outbound = screenCoachReply(replyText, locale);
     if (outbound.block && outbound.reason) {
       replyText = coachOutboundFallback(outbound.reason, locale);
       annotate({