Log/surface the reason, pin LLM warm for latency, doc insurance rule

- Reason visibility: the reason WAS extracted ("disintegrated eyes") but only
  lived in the Odoo description note. Add it to the post-call log line and to
  the Odoo lead title so it's visible at a glance.
- Latency: split the timing — Whisper is ~0.1s, latency is LLM-side. The ~3s
  tail was cold model reloads after Ollama's keep-alive expired. server.py now
  warms + pins the model on startup (keep_alive=-1, ollama ps UNTIL=Forever),
  removing cold first-turn stalls. Whisper size left alone (not the bottleneck).
- CLAUDE.md: insurance rule (never suggest/guess the plan), latency note.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

odoo_client.py

@@ -62,7 +62,7 @@ def create_appointment_request(patient_name, callback_number, reason, preferred_
                                insurance=None, call_sid=None):
     """Create the request in Odoo. Returns (model, record_id) or raises OdooError."""
     uid, models = _connect()
-    summary = f"📞 Phone appt request — {patient_name or 'caller'}"
+    summary = f"📞 Phone appt — {patient_name or 'caller'}" + (f": {reason}" if reason else "")
     # description is an Odoo HTML field — build with <br/> so it renders in the UI.
     rows = [
         ("Name", patient_name),