feat(runtime): add local PM interview fallback

[Mineru98]

Problem

PM interviews rely on the MCP daemon path. When that daemon is unavailable, the user-facing interview flow can stop even though a local model path is available.

Proposed change

• Add a local interview fallback for PM-style questioning.
• Keep interview progress, events, and answer handling consistent between daemon-backed and local flows.
• Ensure the selected active model is respected when the fallback path runs.

Acceptance criteria

• PM interview questions can continue when the MCP daemon is unavailable.
• The fallback emits the same kind of progress and question state the TUI already understands.
• Tests cover daemon failure and local fallback behavior.

Verification

• git diff --check
• mix format --check-formatted on changed Elixir files
• mix test test/ourocode/model/profile_test.exs test/ourocode/ooo_baseline_e2e_test.exs test/ourocode/runtime/interview_events_test.exs test/ourocode/runtime/interview_progress_test.exs test/ourocode/runtime/interview_router/directive_test.exs test/ourocode/runtime/interview_router/tool_sandbox_test.exs test/ourocode/runtime/interview_router_test.exs test/ourocode/runtime/loop_binding_workflow_dispatch_test.exs test/ourocode/runtime/loop_bindings_test.exs test/ourocode/runtime/mcp_daemon/process_test.exs test/ourocode/runtime/route_classifier_test.exs test/ourocode/runtime/route_terms_test.exs test/ourocode/runtime/router_test.exs test/ourocode/terminal/interview_panel_test.exs test/ourocode/terminal/interview_panel/dialogue_test.exs test/ourocode/terminal/interview_panel/question_ledger_test.exs test/ourocode/terminal/interview_panel/text_test.exs -> 193 passed

Closes #48