Default TLS validation on; scope skip-TLS bypass to the configured host

The app shipped with certificate validation bypassed globally and on by
default — InsecureTrustDelegate trusted any cert from any host. That was
the evaluation's P1: anyone on the LAN could MITM call audio, transcripts,
and voiceprints.

The backend's Start9 cert already validates under normal system trust when
the StartOS Root CA is installed in the keychain (confirmed: URLSession
default validation returns 200 against the backend and its fallback), so the
bypass is unnecessary:
- skip-TLS now defaults to off
- when explicitly enabled, the bypass is scoped to the configured host via
  InsecureTrustDelegate.allowsTrustOverride, never "trust any server"
- the host gate is pure and unit-tested (InsecureTrustDelegateTests)

Docs reconciled: AGENTS.md backend/TLS line and Current state.

Ten31TranscriptsTests/InsecureTrustDelegateTests.swift

@@ -0,0 +1,35 @@
+import XCTest
+@testable import Ten31Transcripts
+
+/// The TLS bypass is an opt-in escape hatch scoped to the configured backend host.
+/// These cover the security gate (`allowsTrustOverride`) so a regression can't widen
+/// it back to "trust any server". The gate is pure, so no network or SecTrust needed.
+final class InsecureTrustDelegateTests: XCTestCase {
+    private func space(host: String,
+                       method: String = NSURLAuthenticationMethodServerTrust) -> URLProtectionSpace {
+        URLProtectionSpace(host: host, port: 62419, protocol: "https",
+                           realm: nil, authenticationMethod: method)
+    }
+
+    func testFiresForMatchingHost() {
+        let d = InsecureTrustDelegate(allowedHost: "192.0.2.1")
+        XCTAssertTrue(d.allowsTrustOverride(for: space(host: "192.0.2.1")))
+    }
+
+    func testRejectsMismatchedHost() {
+        let d = InsecureTrustDelegate(allowedHost: "192.0.2.1")
+        XCTAssertFalse(d.allowsTrustOverride(for: space(host: "evil.example.com")))
+    }
+
+    func testNilAllowedHostNeverFires() {
+        let d = InsecureTrustDelegate(allowedHost: nil)
+        XCTAssertFalse(d.allowsTrustOverride(for: space(host: "192.0.2.1")))
+    }
+
+    func testOnlyServerTrustMethodFires() {
+        // Matching host but a non-server-trust challenge (e.g. HTTP Basic) must not override.
+        let d = InsecureTrustDelegate(allowedHost: "192.0.2.1")
+        XCTAssertFalse(d.allowsTrustOverride(
+            for: space(host: "192.0.2.1", method: NSURLAuthenticationMethodHTTPBasic)))
+    }
+}