fix(formatter+telegram): drop tel: inline button, mark all 4xx as permanent

Pilot on washanyanya.ru exposed that Telegram Bot API rejects tel:
URLs in inline_keyboard with HTTP 400 "Wrong port number specified
in the URL". Queue was stuck on 5 items retrying the same failure
4 times each.

- MessageFormatter: always returns reply_markup = null. The phone
  number is already rendered in the '📱 ...' line, and mobile
  Telegram clients linkify it automatically.
- TelegramClient::is_permanent: treat all 4xx except 429 as permanent
  client-side errors, so future payload-shape bugs surface in the
  dashboard widget immediately instead of burning five retry cycles.
- MessageFormatterTest updated: the old test asserting tel: in
  reply_markup is replaced with one asserting reply_markup is null
  and the phone still appears in the text body.
- Spec §9 + §19 updated, §19's open question closed.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

tests/MessageFormatterTest.php

@@ -42,8 +42,12 @@ final class MessageFormatterTest extends TestCase
         self::assertStringContainsString('Akismet', $result['text']);
     }
 
-    public function test_tel_button_present_when_phone_valid(): void
+    public function test_reply_markup_is_null_because_tg_rejects_tel_urls(): void
     {
+        // Telegram Bot API rejects tel: URLs in inline_keyboard with
+        // HTTP 400 "Wrong port number specified in the URL". We no longer
+        // emit any inline button; the phone number is rendered in the
+        // message body instead and mobile TG clients auto-linkify it.
         $fields = ['your-tel' => '+79031234567', 'your-name' => 'Анна'];
         $classification = Classifier::classify($fields, ['reason' => 'Akismet']);
         $r = MessageFormatter::build([
@@ -53,9 +57,9 @@ final class MessageFormatterTest extends TestCase
             'ip' => '', 'user_agent' => '', 'is_retro' => false,
         ]);
 
-        self::assertNotNull($r['reply_markup']);
-        $json = json_encode($r['reply_markup']);
-        self::assertStringContainsString('tel:+79031234567', $json);
+        self::assertNull($r['reply_markup']);
+        // Phone must still be present in the text, formatted as Russian pretty.
+        self::assertStringContainsString('+7 (903) 123-45-67', $r['text']);
     }
 
     public function test_no_tel_button_when_no_phone(): void