- get_llm_provider() now accepts provider + model args so DB overrides
propagate through to all provider constructors (was always reading
env vars, ignoring the admin UI selection)
- /test-llm replaced with lightweight ping (max_tokens=20) instead of
running a full bill analysis; shows model name + reply, no truncation
- /api/settings/llm-models endpoint fetches available models live from
each provider's API (OpenAI, Anthropic REST, Gemini, Ollama)
- Admin UI model picker dynamically populated from provider API;
falls back to manual text input on error; Custom model name option kept
- Default Gemini model updated: gemini-1.5-pro → gemini-2.0-flash
Co-Authored-By: Jack Levy