Route requests only with parameters ZDR endpoints declare, and list them

The gpt-5.6 family's zero-data-retention endpoints declare
max_completion_tokens, so sending max_tokens under require_parameters
excluded every ZDR route and returned HTTP 404 for the whole family.
The cap is retired: the strict schema, the finish_reason check and the
64 KiB read cap already bound the response.

The model fields now offer the provider's public ZDR catalog filtered
by the exact conditions completions are routed under (live endpoint,
strict structured outputs), fetched server-side, cached for an hour,
and served at GET /api/models; the inputs stay free text so an unlisted
model remains usable when the catalog is unreachable.

internal/app/app.go

@@ -12,6 +12,7 @@ import (
 	"strconv"
 	"strings"
 	"sync"
+	"time"
 	"unicode/utf8"
 
 	"finance-duck/internal/analytics"
@@ -61,23 +62,25 @@ type operational struct {
 	BankingScope string             `json:"banking_scope"`
 }
 type App struct {
-	mu              sync.Mutex
-	dir             string
-	journal         *journal.Store
-	index           *analytics.Store
-	indexed         string
-	indexError      string
-	settings        Settings
-	ops             operational
-	bank            banking.Provider
-	classifier      classification.Client
-	previews        map[string]Preview
-	previewRun      *previewJob
-	taxonomies      map[string]TaxonomyPreview
-	csvImports      map[string]CSVImport
-	authStates      map[string]authorization
-	callbackURL     string
-	bankingSettings bankingSettings
+	mu               sync.Mutex
+	dir              string
+	journal          *journal.Store
+	index            *analytics.Store
+	indexed          string
+	indexError       string
+	settings         Settings
+	ops              operational
+	bank             banking.Provider
+	classifier       classification.Client
+	previews         map[string]Preview
+	previewRun       *previewJob
+	taxonomies       map[string]TaxonomyPreview
+	csvImports       map[string]CSVImport
+	authStates       map[string]authorization
+	callbackURL      string
+	bankingSettings  bankingSettings
+	verifiedModels   []classification.VerifiedModel
+	verifiedModelsAt time.Time
 	// quotes needs no configuration: it reads a public endpoint, so its zero
 	// value is the working client and tests replace it with a stub.
 	quotes        quotes.Client