Set TTS default to OFF for all users

- Changed enableSpeech default from true to false in chat-layout.tsx
- Changed enableSpeech default from true to false in account/page.tsx
- settings-storage.ts already had enableSpeech: false as default
- Users can still enable TTS manually in settings if they want
- This prevents unexpected audio playback for new users

Author: Your Name

src/app/account/page.tsx

@@ -54,7 +54,7 @@ const defaultSettings: Settings = {
   model: 'auto',
   tone: 'helpful',
   technicalLevel: 'intermediate',
-  enableSpeech: true,
+  enableSpeech: false,
   voice: 'troy',
 };
 

src/components/chat/chat-layout.tsx

@@ -50,7 +50,7 @@ const defaultSettings: Settings = {
   model: 'auto',
   tone: 'helpful',
   technicalLevel: 'intermediate',
-  enableSpeech: true,
+  enableSpeech: false,
   voice: 'troy',
 };