{"ok":true,"configured":false,"provider":null,"model":null,"spend":{"totalUsd":0,"capUsd":10,"remainingUsd":10,"entryCount":0},"note":"provider not configured — paid AI collection is deferred. No fabricated live answers. POST /api/prove to attempt a single call under EXTERNAL_SPEND_CAP_USD. Pass onboardingId only after onboarding confirm.","modes":["live","unconfigured","error"]}