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- CallEmbed: 25s load watchdog that fails fast on iframe error / preparing-error / timeout instead of hanging on a permanent spinner; additive onLoadError API, cleared on ready/capabilities/joined. - CallView: user-visible "call failed to load" overlay with Retry/Leave (folds + tokens) via a new useCallLoadError hook. - CallMemberCard: wrap the participant avatar in AvatarDecoration so decorations render in the call roster (the tile rendered UserAvatar bare while member lists already wrapped it). Addresses LOTUS_BUGS item 3 (avatar decorations in calls) and EC iframe failure monitoring. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>