fix(provider): treat a scheme-less loopback base URL as local

[ANIRUDDHA ADAK (aniruddhaadak80)]

What

Inference.local reads the host of a base URL with new URL(value).hostname, but a scheme-less base URL does not throw here — it parses successfully with the host absorbed as the scheme.

const host = new URL(value).hostname.toLowerCase().replace(/^\[|\]$/g, "")
return host === "localhost" || host === "127.0.0.1" || host === "0.0.0.0" || host === "::1"

new URL("localhost:11434/v1") is valid per the URL spec: localhost: becomes the scheme, so hostname is the empty string and every comparison fails.

Why it matters

This form is legal here and accepted everywhere else. LocalProvider.normalizeBaseURL (src/provider/local.ts:125) explicitly prepends http:// when the scheme is missing, so the two helpers disagree on the same string:

LocalProvider.isLocalBaseURL("localhost:11434/v1")   // true
Inference.classify({ providerID: "ollama", providerSource: "config", baseURL: "localhost:11434/v1" })
// -> "byok", not "local"

classify is the route authority and its result is what usage-logging records, so a user's own Ollama configured the ordinary way is attributed as billable remote spend rather than local. The http://localhost:11434/v1 spelling of the same endpoint classifies correctly, which is why this reads as intermittent rather than systematic.

Verification

The existing test only covered the http:// spelling. One new case fails before, passes after:

(fail) a base URL without a scheme is still a local endpoint
  Expected: "local"
  Received: "byok"
 2 pass  1 fail

(pass) classifies the observable inference route without exposing credentials
(pass) a base URL without a scheme is still a local endpoint
(pass) a remote base URL is not local, with or without a scheme
 3 pass
 0 fail

The second new test is the guard against over-correcting: api.openai.com/v1 (also scheme-less) must stay byok, so the fix is not "treat everything schemeless as local". The local cases cover localhost:, a bare 127.0.0.1: with a port, and an uppercase LOCALHOST:. local-availability and local-runtime are unaffected: 9 pass / 0 fail across the three files.

The change

   function local(value: unknown) {
     if (typeof value !== "string" || !value) return false
     try {
-      const host = new URL(value).hostname.toLowerCase().replace(/^\[|\]$/g, "")
+      // "localhost:11434/v1" parses with the scheme "localhost:", so the
+      // hostname never came out as "localhost". LocalProvider.normalizeBaseURL
+      // accepts a missing scheme, so this has to agree or the same endpoint
+      // reads as local there and as a cloud key here.
+      const absolute = /^https?:\/\//i.test(value) ? value : `http://${value}`
+      const host = new URL(absolute).hostname.toLowerCase().replace(/^\[|\]$/g, "")
       return host === "localhost" || host === "127.0.0.1" || host === "0.0.0.0" || host === "::1"
     } catch {
       return false
     }
   }

The try/catch stays, so a genuinely unparseable value still returns false rather than throwing.

Touched files are Prettier-clean (verified on LF-normalized copies; this Windows checkout's core.autocrlf=true makes Prettier flag every file repo-wide).

Fixes #836

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