Recognize inefficient uses of APPLY

[Douglas Katzman]

Certain unidiomatic patterns should be recognized as poor style, and produce a warning, or have the compiler just transform the code to something better, or maybe even do both of those.

(apply #'list (some-list)) --> (copy-list (some-list))
(apply #'vector (some-list)) --> (coerce (some-list) 'vector)
(apply #'+ (some-sequence)) --> (reduce #'+ (some-sequence))
(apply #'values (some-list)) --> (values-list (some-list))