feat: ambient AI visit scribe (record/paste → reviewed SOAP note)

Record a clinician↔patient visit (or paste a transcript) on the patient
sheet; the backend transcribes it (OpenAI Whisper / Gemini), de-identifies
the transcript + context through Veil, and drafts a structured SOAP note
the clinician reviews and edits before saving — the same write-approval
gate as the chat agent.

Backend: POST /api/scribe/{transcribe,draft,save} (routes/scribe.ts,
services/ai/transcribe.ts), veil.redactText() free-text redactor,
appendEncounter service, audio MIME types on attachments. Gated by
patient:write + the clinic AI policy (reception/disabled-AI excluded).
Frontend: ScribeDialog + lib/scribe.ts, "Record visit" on the patient
detail, gated by clinical access + AI availability. New `scribe` locale
namespace across all five languages. Bumps to v0.4.0.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

backend/package.json

@@ -1,6 +1,6 @@
 {
   "name": "temetro-backend",
-  "version": "0.3.0",
+  "version": "0.4.0",
   "private": true,
   "type": "module",
   "description": "temetro backend — Express + Postgres API with Better Auth (email/password, organizations) and org-scoped patient records.",