feat(web): 工作台 AI 模式与差旅/风险建议交互优化

- 新增 PersonalWorkbenchAiMode 组件、AI 侧边栏与 orb 机器人视觉资源
- 新增 aiApplicationDraftModel / aiExpenseDraftModel / aiWorkbenchConversationStore
  及业务准入 aiSidebarBusinessAccess，支撑 AI 模式下的申请与报销草稿
- 顶栏、侧边栏、工作台样式重构，适配 AI 模式切换与响应式布局
- 同步 steward plan/off_topic、差旅报销引导流、风险建议卡片等测试

web/tests/ai-application-draft-model.test.mjs

@@ -0,0 +1,51 @@
+import assert from 'node:assert/strict'
+import test from 'node:test'
+
+import {
+  applyAiApplicationAnswer,
+  buildAiApplicationStepPrompt,
+  buildAiApplicationSummary,
+  createAiApplicationDraft,
+  getAiApplicationCurrentStep,
+  isAiApplicationDraftComplete
+} from '../src/utils/aiApplicationDraftModel.js'
+
+test('application draft starts at the reason step', () => {
+  const draft = createAiApplicationDraft('travel', '差旅费')
+  assert.equal(draft.expenseType, 'travel')
+  assert.equal(draft.expenseTypeLabel, '差旅费')
+  assert.equal(draft.stepKey, 'reason')
+  assert.equal(getAiApplicationCurrentStep(draft).key, 'reason')
+})
+
+test('answers advance through fields in order and reach summary', () => {
+  let draft = createAiApplicationDraft('travel', '差旅费')
+  draft = applyAiApplicationAnswer(draft, '去上海支持项目部署', [])
+  assert.equal(draft.stepKey, 'time_range')
+  draft = applyAiApplicationAnswer(draft, '2026-06-20 至 2026-06-22，出差 3 天', [])
+  assert.equal(draft.stepKey, 'location')
+  draft = applyAiApplicationAnswer(draft, '上海', [])
+  assert.equal(draft.stepKey, 'amount')
+  draft = applyAiApplicationAnswer(draft, '约 2358 元', [])
+  assert.ok(isAiApplicationDraftComplete(draft))
+})
+
+test('step prompt names the type and the current field', () => {
+  const draft = createAiApplicationDraft('travel', '差旅费')
+  const prompt = buildAiApplicationStepPrompt(draft)
+  assert.match(prompt, /差旅费/)
+  assert.match(prompt, /事由/)
+})
+
+test('summary lists every filled field', () => {
+  let draft = createAiApplicationDraft('travel', '差旅费')
+  draft = applyAiApplicationAnswer(draft, '去上海支持项目部署', [])
+  draft = applyAiApplicationAnswer(draft, '2026-06-20 至 2026-06-22，出差 3 天', [])
+  draft = applyAiApplicationAnswer(draft, '上海', [])
+  draft = applyAiApplicationAnswer(draft, '约 2358 元', [])
+  const summary = buildAiApplicationSummary(draft)
+  assert.match(summary, /差旅费/)
+  assert.match(summary, /去上海支持项目部署/)
+  assert.match(summary, /2026-06-20 至 2026-06-22，出差 3 天/)
+  assert.match(summary, /约 2358 元/)
+})