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-sidebar-business-access.test.mjs

@@ -0,0 +1,39 @@
+import assert from 'node:assert/strict'
+import test from 'node:test'
+
+import { resolveAiSidebarBusinessViewIds } from '../src/utils/aiSidebarBusinessAccess.js'
+
+test('AI sidebar shows three business entries for regular employees', () => {
+  assert.deepEqual(resolveAiSidebarBusinessViewIds({ name: '普通员工', roleCodes: [] }), [
+    'documents',
+    'receiptFolder',
+    'policies'
+  ])
+})
+
+test('AI sidebar adds budget management for budget monitors', () => {
+  assert.deepEqual(resolveAiSidebarBusinessViewIds({ name: '预算管理员', roleCodes: ['budget_monitor'] }), [
+    'documents',
+    'receiptFolder',
+    'policies',
+    'budget'
+  ])
+})
+
+test('AI sidebar adds finance capabilities for finance users', () => {
+  assert.deepEqual(resolveAiSidebarBusinessViewIds({ name: '财务负责人', roleCodes: ['finance'] }), [
+    'documents',
+    'receiptFolder',
+    'policies',
+    'overview',
+    'audit',
+    'digitalEmployees'
+  ])
+})
+
+test('AI sidebar keeps workbench and settings out of the steward business layer', () => {
+  const viewIds = resolveAiSidebarBusinessViewIds({ username: 'admin', isAdmin: true, roleCodes: ['admin'] })
+
+  assert.equal(viewIds.includes('workbench'), false)
+  assert.equal(viewIds.includes('settings'), false)
+})