Lou v2.4 — refined decline-code classification.

Lou now classifies expired_card and lost_or_stolen_card separately. Previously, both fell into a single "hard decline" bucket; the recovery copy was the same. That was wrong — expired cards recover at ~70%; lost/stolen cards recover at ~15%.

The split lets Lou draft a clearer expired-card walkthrough (how to update without canceling) and a no-pressure lost/stolen-card note (acknowledging the issue, payment-update link, no urgency framing). Two existing porchops dogfooding recoveries from this week landed cleanly in the new buckets.

Configurable per founder. Defaults are conservative.