BYOK universal gate rendered honestly: mid-chat setup flow, refusal-aware cards

- existing sessions: a send that lands the 503 models_not_configured envelope
  renders as the SETUP FLOW, never the error banner — the record refetch drops
  the refused orphan (the gate refuses before the write-ahead persist), the
  draft goes home to the composer, and Save auto-replays it (owner ruling);
  parseModelsRefusal reads the envelope from the transport's verbatim error
  text (exported pure, tested)
- persistent 'Set up your models' CTA above the chat composer while
  slotsConfigured is false (server-read seed via app/chat/[id]/page.tsx) —
  legacy per-chat overrides may still send with the pill present; the server
  gate stays the truth
- SetupDialog prefill + 'needed' marks (owner ruling): pinned tiers open with
  their pick (matched in the federated catalog — lapsed keys don't prefill),
  unpinned tiers carry the mark; Save still requires all three;
  prefillFromSlots exported pure, tested
- refused jobs read as INFO: dispatch card shows a quiet 'needs model setup'
  line + 'Set up models' deep-link (ChatActionsContext.openSetup); dock blobs'
  activity reads 'needs model setup' instead of 'failed'; real failures keep
  the red tone; isModelsRefusal added to the envelope's home module
- agent-section ModelsBody.slots type honest to the nullable contract

app/chat/[id]/page.tsx

@@ -1,7 +1,7 @@
 import { notFound } from "next/navigation";
 import { Chat } from "@/components/chat";
-import type { TeacherUIMessage } from "@/src/core";
-import { getChat, isTurnRunning } from "@/src/server";
+import { slotsConfigured, type TeacherUIMessage } from "@/src/core";
+import { getChat, isTurnRunning, readSettingsRecord } from "@/src/server";
 
 export const dynamic = "force-dynamic";
 
@@ -15,12 +15,17 @@ export default async function ChatPage({
 	const [{ id }, { prompt }] = await Promise.all([params, searchParams]);
 	const chat = getChat(id);
 	if (!chat) notFound();
+	// The persistent setup CTA's seed (BYOK, owner 2026-09-22): slotsConfigured
+	// over the settings record, server-read — the same gate home/new read. The
+	// server's 503 stays the truth; this only decides whether the pill rides.
+	const record = readSettingsRecord();
 	return (
 		<Chat
 			key={chat.id}
 			chatId={chat.id}
 			title={chat.title}
 			initialMessages={chat.messages as TeacherUIMessage[]}
+			initialConfigured={slotsConfigured(record?.models)}
 			initialPrompt={prompt}
 			// A teacher turn that outlived its client: the remounted view must
 			// attach (busy shimmer + poll), never resurrect the stale record.