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* fix(failover): classify HTTP 402 as rate_limit when payload indicates usage limit (#30484) Some providers (notably Anthropic Claude Max plan) surface temporary usage/rate-limit failures as HTTP 402 instead of 429. Before this change, all 402s were unconditionally mapped to 'billing', which produced a misleading 'run out of credits' warning for Max plan users who simply hit their usage window. This follows the same pattern introduced for HTTP 400 in #36783: check the error message for an explicit rate-limit signal before falling back to the default status-code classification. - classifyFailoverReasonFromHttpStatus now returns 'rate_limit' for 402 when isRateLimitErrorMessage matches the payload text - Added regression tests covering both the rate-limit and billing paths on 402 * fix: narrow 402 rate-limit matcher to prevent billing misclassification The original implementation used isRateLimitErrorMessage(), which matches phrases like 'quota exceeded' that legitimately appear in billing errors. This commit replaces it with a narrow, 402-specific matcher that requires BOTH retry language (try again/retry/temporary/cooldown) AND limit terminology (usage limit/rate limit/organization usage). Prevents misclassification of errors like: 'HTTP 402: exceeded quota, please add credits' -> billing (not rate_limit) Added regression test for the ambiguous case. --------- Co-authored-by: Val Alexander <bunsthedev@gmail.com>