fix: correct phone number formatting to follow standard pattern

- 10-digit numbers: XXXX-XXX-XXXX (4-3-3) - landline format
- 11-digit numbers: XXX-XXXX-XXXX (3-4-4) - mobile format

Apply consistent formatting on both frontend and backend.

Co-Authored-By: Claude Haiku 4.5 <noreply@anthropic.com>

src/TaxBaik.Application/Services/InquiryService.cs

@@ -160,8 +160,8 @@ public class InquiryService(
 
         return clean.Length switch
         {
-            10 => $"{clean[..3]}-{clean[3..6]}-{clean[6..]}",  // 01012345678 → 010-123-45678
-            11 => $"{clean[..3]}-{clean[3..7]}-{clean[7..]}",  // 010123456789 → 010-1234-56789
+            10 => $"{clean[..4]}-{clean[4..7]}-{clean[7..]}",  // 0089702448 → 0089-702-2448
+            11 => $"{clean[..3]}-{clean[3..7]}-{clean[7..]}",  // 01012345678 → 010-1234-5678
             _ => clean
         };
     }