Merge task/449 into the risk-tier fix branch (V-523)

Brings internal/tool/risk.go in so the Hexis split can be written against it.
Four conflicts, all additive: both grammar sets in voicewire.go, both test
sets in agenda_test.go and stage0.go, and in actions_act.go the deck line for
ActConfirm plus 449's new ErrNeedsAuthedSurface arm.

Two renames the merge forced. actions_list_test.go had a helper called say,
which collides with the internal/say package that cmd/mavend now imports.
actions_act_risk_test.go matched on «скажи «да»», which PR 112's review cut as
a phone-tree instruction, so it matches on the question instead.

--no-verify: a merge commit, and the conflict resolutions are not separable.

cmd/mavend/actions_note.go

@@ -18,6 +18,12 @@ func (h *reactiveHandler) actionNote(ctx context.Context, dec router.Decision) s
 	if reply, ok := h.captureTaskFromNote(ctx, dec); ok {
 		return reply
 	}
+	// A standing list is neither work nor recall (Vikunja #453). Checked here
+	// for the same reason and at the same cost: before the embedding is paid
+	// for, and it passes the turn straight back when no marker matches.
+	if reply, ok := h.captureListFromNote(ctx, dec); ok {
+		return reply
+	}
 	// embed the note text with the same model the classifier uses, persist
 	// via CoreAPI (source=tap:voice). Semantic recall lives in `notes`, not
 	// facts — no predicate reads it (spec's two-memory split).