Make adapter toggles actually gate screen-reading

The Settings "Adapters" toggles wrote adapterEnabled but nothing in the capture
path ever read it, so flipping one off did nothing — and the caption still said
"Inert in Phase 0". The adapters (Zoom/Teams/Signal/Meet) are all live now.

SessionController.startVisual now skips visual capture when the detected app's
adapter is toggled off (records audio-only; transcription still runs). Update the
section caption to describe the real behavior.

Ten31Transcripts/Session/SessionController.swift

@@ -256,6 +256,9 @@ final class SessionController: ObservableObject {
     private func startVisual(t0Host: Double, generation: Int, recorder: AudioRecorder) async {
         guard let capture = pendingCapture else { return }   // manual recording → audio-only
         pendingCapture = nil
+        // Honor the per-app adapter switch: if the user turned this app's adapter off,
+        // skip screen-reading entirely and record audio-only (transcription still runs).
+        guard settings.adapterEnabled[capture.app.rawValue] ?? true else { return }
         guard let vc = VisualCapture(app: capture.app, bundleID: capture.bundleID,
                                      windowID: capture.windowID, t0Host: t0Host) else { return }
         // Register the live capture before the await so a quit (prepareForTermination)

Ten31Transcripts/UI/SettingsView.swift

@@ -63,7 +63,7 @@ struct SettingsView: View {
             }
 
             Section("Adapters") {
-                Text("Inert in Phase 0 — these toggles only persist for now.")
+                Text("Screen-reading for active-speaker cues. Turn one off to record that app audio-only — transcription still runs, but speakers aren’t identified from the screen.")
                     .font(.caption)
                     .foregroundStyle(.secondary)
                 ForEach(AppSettings.adapterKeys, id: \.key) { adapter in