feat: harden generic preset, add LLM retry, and finish tooling/docs

- PatternDef.validate + Luhn-gated credit-card detection; de-overlap the
  generic phone/date/IP patterns; presets.swiss unchanged (production behavior)
- strip g/y flags from nameHint so .test() is stateless (latent footgun)
- openAICompatibleProvider: bounded retry on transient failures (network /
  timeout / 429 / 5xx), configurable via retries + retryDelayMs
- eslint + prettier + vitest coverage (97%); CI runs lint/format/coverage
- docs: README badges + new-option docs, SECURITY.md, issue/PR templates

26 tests passing; build emits ESM+CJS+types.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

.prettierrc

@@ -0,0 +1,7 @@
+{
+  "semi": true,
+  "singleQuote": true,
+  "trailingComma": "all",
+  "printWidth": 110,
+  "tabWidth": 2
+}