fix: AI recall-call flow, speech-to-text time parsing, and stale conversation state

- Reset conversation stage to a fresh start on every new voice call
  (recall and reminder alike), and on every hangup/timeout/goodbye,
  so an abandoned or completed call never leaves a patient stuck
  mid-flow for their next call or text.
- Add a staleness check to the SMS flow: after a long idle gap,
  check whether the patient's reply still reads as a continuation
  before resuming the stored stage, falling back to a friendly
  "it's been a while" re-greeting when unsure.
- Fix parseTime() to handle Twilio's speech-to-text output, which
  renders "pm"/"am" with periods and often drops the colon in a
  spoken time (e.g. "100 p.m." -> 1:00 PM) — this was silently
  failing and causing the AI to loop asking for a time it had
  already been given.
- Extend the voice Gather timeout so the AI doesn't hang up on a
  patient who just needs a few seconds to respond.
- Reword the recall-call opening line and rework the post-"yes"
  prompt to ask for day and time together.
- Fix rclone WebDAV server to serve only the backups folder instead
  of the entire backend app directory (was exposing .env and source).

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

apps/Frontend/src/components/settings/ai-chat-settings-card.tsx

@@ -53,7 +53,7 @@ const CALL_DEFAULTS = {
   newPatientGreeting: "No problem, let's get you set up.",
   generalFallback: "Sure, how can I help?",
   recallGreeting:
-    "Hi {firstName}, this is Lisa from {officeName}. We wanted to check in — you're due for a routine exam and cleaning, which most insurance plans cover at no cost. Would you like to schedule one?",
+    "Hi {firstName}, this is Lisa from {officeName}. We wanted to check in — you're due for a routine exam and cleaning. Would you like to make an appointment because your insurance covers it?",
 };
 
 const DEFAULT_SMS_TEMPLATES = [