ElevenLabs key from web/.env.local in development only (never bundled); placeholder .env.local.example; ADR-037

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Mrituanjay Nath Jhayesterday

Co-Authored-By: Claude Sonnet 5.5 noreply@anthropic.com Entire-Checkpoint: 01M66B20MHJE0429ZPFJ8AGMWM