tasks 00d, 006, 007: move test seams to struct fields, centralize Viper config, extract shared card-dir logic

task 00d: remove package-level var test seams from processor and gui packages;
  factory functions (newAudioProvider, newOpenAIImageClient, newNanoBananaImageClient)
  are now struct fields on Processor and Application, initialized with production
  defaults in constructors and replaced in tests without global mutation.

task 006: add viperConfig struct captured once in NewProcessor; no method body
  calls viper.GetString/IsSet/GetFloat64 directly any more — all config-file values
  are accessed via p.viperCfg fields.

task 007: extract FindCardDirectory and FindOrCreateCardDirectory into
  internal/utils.go; both Processor.findCardDirectory and
  Application.findCardDirectory now delegate to the shared implementation,
  which also handles the legacy _word.txt backward-compat fallback.

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

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