6bbbf10f77
.env shrinks to bootstrap values only (port, paths, log, auth, deploy flags). The 14 admin-tunable values (retention, whisper, ollama, llm) move to a new settings.toml with serde(default)-based per-section defaults and an empty-prompt fallback to the code default. settings.toml is gitignored alongside .env; settings.toml.example is the template. This commit fixes the file layout. The server-side wiring (Config shrink, AppState integration, consumer migration) follows separately.