v0.4.1 — auto-fall-back to hosted default
Patch on top of v0.4.0 for users with stale local-dev configs.
If your saved `api_url` is a localhost address and that backend isn't running, the CLI now retries once against the hosted default (`https://virgilhq.app/api\`) and prints a one-line notice. Your saved config is untouched, so once you bring your local stack back up it's used again.
Non-localhost `api_url` values still fail loudly — public misconfigurations shouldn't silently re-route.
This makes the `pipx install virgilhq && virgil scan .` experience truly idempotent for returning users.