Quote a single physical card and delivery; no funds or inventory reserved

Permission: card.physical.create. Prerequisite: physical preparation ready. Submit cardChannelId, cardHolderId, shippingAddress and optional budgetId/language. Returns applicationId, createFee/shippingFee/totalFee (USD strings), address snapshot and expiresAt. Valid for 15 minutes; no debit or reservation. Next: obtain user fee confirmation, then POST /cards/physical/apply. Changed address or expired quote requires a new quote.