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Unified entry point hook that dispatches chat state between two transport adapters — SSE/Guide and NATS/Mingo — based on the `activeMode` flag, while keeping both hooks always mounted to satisfy React's rules of hooks.

## Key Components

### `ChatMode`
Union type `'guide' | 'mingo'` discriminating the active transport.

### `UseUnifiedChatModes`
Per-mode configuration object. Each slot is optional — omitting a key leaves that adapter idle with a stable no-op fallback.

| Field | Type | Description |
|---|---|---|
| `guide` | `UseSseChatAdapterOptions` | SSE transport config (reads ambient `ChatRuntimeContext`) |
| `mingo` | `UseNatsChatAdapterConfig` | NATS transport config with explicit dialog ID and publish callback |

### `UseUnifiedChatOptions`
Hook input shape.

| Field | Description |
|---|---|
| `modes` | Per-mode configs |
| `activeMode` | Which transport is live |
| `mingoStateOverride` | Host-owned `UnifiedChatState` injected in place of internal NATS state, allowing state to survive panel unmounts |

### `useUnifiedChat(options)`
Main hook. Returns a stable `UnifiedChatState` composed of:
- **Active adapter state** — messages, streaming phase, token usage, connection
- **Stable action callbacks** — `sendMessage`, `stopMessage`, `clearMessages`, `discussRef`, `displayRef`
- **Dialog management** — `selectDialog`, `startNewDialog`, `deleteDialog`, `renameDialog`, `archiveDialog`, `loadMoreDialogs`, `setDialogScope`, `reloadDialogs`, `loadMoreMessages`
- **Approvals** — `approveRequest`, `rejectRequest`

Callbacks are bound through `activeStateRef` (a live ref updated every render) so their identities remain referentially stable across streaming chunks, preventing unnecessary downstream re-renders.

## Usage Example

```typescript
// Guide-only consumer
const chatState = useUnifiedChat({
  activeMode: 'guide',
  modes: {
    guide: { systemPrompt: 'You are a helpful guide.' },
  },
})

// Dual-mode consumer with host-managed Mingo state
const chatState = useUnifiedChat({
  activeMode: currentMode,          // 'guide' | 'mingo'
  modes: {
    guide: { systemPrompt: '...' },
    mingo: {
      dialogId: activeDialogId,
      getNatsWsUrl: () => natsWsUrl,
      publishUserMessage: (msg) => natsClient.publish(msg),
    },
  },
  mingoStateOverride: storeBackedMingoState, // survives panel unmounts
})

chatState.sendMessage('Hello!', { attachments: [] })
```

## Notes

- **Both hooks always run** regardless of `activeMode`; the inactive adapter receives a disabled fallback config and an `active: false` flag, keeping it completely idle while preserving its local message buffer for seamless mode-flips.
- `mingoStateOverride` is the recommended seam for hosts that manage Mingo state externally (e.g., in a Zustand store); pass it without `modes.mingo` to avoid opening a redundant NATS subscription.
- Mode-toggle UI is not part of this hook — it belongs in the `<MingoChat>` shell component.