Replace the gap-4-on-CardFrame hack with a faithful COSS Frame: a muted
tray (bg-muted/72) holding distinct bordered FramePanels spaced by mt-1,
matching coss.com/ui/docs/components/frame. Adds components/ui/frame.tsx
and switches SettingsFrame/SettingsCard to render Frame/FramePanel when
separated (via context), keeping joined frames on CardFrame.
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>