Moves the agent model out of env-only config into an admin-editable Settings
section, and enforces is_admin for the first time — it has been in the schema
since migration 0001, plumbed to the client, and checked nowhere.

Backend:
- Migration 0010: instance_settings, a single-row (CHECK id=1) table — pansy's
  first instance-level state. Holds agent_model ('' = inherit env) and
  agent_enabled (NULL = inherit env), version-guarded like every mutable row.
  SECRETS STAY IN ENV: OLLAMA_CLOUD_API_KEY is never stored here.
- requireAdmin at the service seam (authoritative) plus a cheap middleware
  early-403. Non-admin gets 403, not 404 — settings existence isn't masked.
- EffectiveAgent resolves DB-over-env (model, enabled); key always from env.
- The live Runner is hot-swapped, not built once. agentHolder holds it behind
  an atomic.Pointer; the chat routes are now registered UNCONDITIONALLY and
  nil-check agent.get(), so a settings change turns the assistant on/off/onto a
  new model with no restart and no race against in-flight readers. /capabilities
  reads the pointer, so it reports what's live, not what booted.
- internal/agentmodel is a new leaf package holding the one place that knows how
  to turn a spec into a model. Both agent (to run) and service (to validate a
  spec before storing it) import it; it can't live in agent, which imports
  service. Settings PATCH validates the spec via Parse, so a typo is a 400 now
  rather than a broken assistant on the next turn.

Frontend:
- /settings route (admin guard), a Settings page (model field, tri-state
  enabled, live status), nav link shown only to admins.
- useCapabilities drops staleTime:Infinity — the assistant can now change under
  a running page — and the settings save invalidates it.

Contract change: chat routes always exist, so "assistant off" is a runtime 503
+ capabilities:false, not a missing route. Updated the test that asserted the
old shape.

Verified live against the built binary: disable flips capabilities to false and
logs it; re-enable with a new model swaps it back; a bad spec is rejected 400;
the setting persists across a restart. Swap is race-clean under `go test -race`.

Docs: README (precedence + key-stays-in-env), DESIGN (decision + routes),
CLAUDE (don't re-add conditional route registration; key never in the DB).

Co-Authored-By: Claude Opus 4.8 (1M context) <[email protected]>
Claude-Session: https://claude.ai/code/session_01H3zbym8Doka2d7D48maSgZ

@@ -0,0 +60,4 @@
+// GetInstanceSettings just returned, a failure here is a genuine DB fault worth
+// surfacing as a 500, not papering over.
+func (h *handlers) settingsPayload(c *gin.Context, st *domain.InstanceSettings) (settingsResponse, error) {
+	eff, err := h.svc.EffectiveAgent(c.Request.Context())

@@ -0,0 +93,4 @@
+// var. agentEnabled is json.RawMessage so an explicit null (inherit) is
+// distinguishable from an absent field and from true/false.
+type settingsUpdateRequest struct {
+	AgentModel   string          `json:"agentModel"`

@@ -0,0 +177,4 @@
+// so `go test -race` proves the atomic swap of the live Runner is safe against
+// in-flight readers. The whole point of the atomic.Pointer is this: without it,
+// toggling the assistant while a request reads it is a data race.
+func TestSettingsSwapUnderRace(t *testing.T) {

@@ -0,0 +24,4 @@
+		return err
+	}
+	if !u.IsAdmin {
+		return domain.ErrForbidden

@@ -0,0 +61,4 @@
+	// Validate a non-empty spec up front. An empty one is the "inherit env"
+	// sentinel and needs no check — the env value was validated at boot.
+	if model != "" {
+		if err := agentmodel.Validate(s.cfg.Agent.OllamaCloudAPIKey, model); err != nil {

@@ -0,0 +78,4 @@
+// This is internal plumbing (the API layer calls it to build the Runner), NOT an
+// admin-gated operation — resolving what's configured is not the same as editing
+// it, and the agent bootstrap must work before any user is even authenticated.
+type EffectiveAgent struct {

@@ -0,0 +84,4 @@
+	APIKey  string
+}
+
+// Ready mirrors config.AgentConfig.Ready: enabled, with a key and a model.

@@ -0,0 +19,4 @@
+// an empty control.
+type EnabledChoice = 'inherit' | 'on' | 'off'
+const toChoice = (v: boolean | null): EnabledChoice => (v === null ? 'inherit' : v ? 'on' : 'off')
+const fromChoice = (c: EnabledChoice): boolean | null => (c === 'inherit' ? null : c === 'on')