recipe(voice-agents): add governed voice agent with PII redaction and cost caps

[nagasatish007]

What

Adds a voice-agents/governance/ example showing how to add deterministic governance to a Smallest AI voice agent using TealTiger (Apache-2.0).

Why

Voice agents in production (healthcare, fintech, support) handle spoken sensitive data — SSNs, credit card numbers, account numbers. Without governance, this PII flows through the STT → LLM → TTS pipeline unscanned. This example demonstrates:

• PII scanning on transcribed speech before it reaches the LLM
• Per-call cost budget enforcement ($2 hard cap)
• Tool authorization for voice-triggered actions
• Audit trail for HIPAA/PCI-DSS compliance

Files added

• voice-agents/governance/app.py — Main example
• voice-agents/governance/README.md — Documentation
• voice-agents/governance/.env.sample — API key template
• voice-agents/governance/requirements.txt — Dependencies
• README.md — Updated root README with example listing

Governance properties

• No LLM in governance path (regex + policy rules only)
• Under 5ms per evaluation — imperceptible in voice latency
• Runs in-process — no external service calls for governance
• ENFORCE / MONITOR / REPORT_ONLY modes

Testing

• Verified app.py imports and syntax
• TealTiger governance logic runs without API keys (in-process)
• Voice agent requires SMALLEST_API_KEY and OPENAI_API_KEY for live calls

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[nagasatish007]

@abhishekmishragithub Please review this PR and suggest changes or feedback.