Fix what the first real run showed: spoken skip, "sorry, I don't know", off-target follow-ups, fillers and vague numbers

A spoken skip skips the question, and skipping a follow-up keeps the question answered. "I don't know" may follow sorry, honestly and the like. A missing-point follow-up from Gemma has to use the bank's words for that point, and the labels the written fallback speaks now read as speech. "like" after a comma before a new clause counts as a filler; vague amounts ("one or two") are not numbers. Dev builds log voice and sound timings to check the time to first word.