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/expense-application-fast-preview.test.mjs

@@ -53,9 +53,11 @@ import {
 } from '../src/views/scripts/budgetAssistantReportModel.js'
 import { resolveStewardTypewriterNextIndex } from '../src/views/scripts/stewardTypewriter.js'
 import {
+  ASSISTANT_SCOPE_ACTION_SWITCH,
   ASSISTANT_SCOPE_SESSION_APPLICATION,
   ASSISTANT_SCOPE_SESSION_EXPENSE,
   ASSISTANT_SCOPE_SESSION_STEWARD,
+  buildUnsupportedBusinessScopeConversation,
   inferAssistantScopeTarget,
   resolveAssistantScopeGuard
 } from '../src/utils/assistantSessionScope.js'
@@ -231,16 +233,42 @@ test('application intent uses local preview instead of immediate orchestrator ca
   assert.match(buildLocalApplicationPreviewMessage(preview), /点击对应行即可直接编辑/)
 })
 
+test('unsupported business guidance opens in assistant conversation form', () => {
+  const conversation = buildUnsupportedBusinessScopeConversation('你好')
+
+  assert.equal(conversation.state_json.session_type, ASSISTANT_SCOPE_SESSION_STEWARD)
+  assert.equal(conversation.messages.length, 1)
+  assert.equal(conversation.messages[0].role, 'assistant')
+  assert.match(conversation.messages[0].content, /小财管家暂时不处理「你好」/)
+  assert.equal(conversation.messages[0].assistantName, '小财管家')
+  assert.match(conversation.messages[0].content, /### 当前可继续的场景/)
+  assert.equal(
+    conversation.messages[0].message_json.orchestrator_payload.result.suggested_actions.length,
+    4
+  )
+})
+
 test('assistant scope guard blocks unsupported non-financial intent', () => {
+  const greetingGuard = resolveAssistantScopeGuard('你好', ASSISTANT_SCOPE_SESSION_APPLICATION)
   const guard = resolveAssistantScopeGuard('帮我写一首诗，主题是春天', ASSISTANT_SCOPE_SESSION_APPLICATION)
 
+  assert.equal(greetingGuard.blocked, true)
+  assert.equal(greetingGuard.targetSessionType, '')
+  assert.equal(greetingGuard.suggestedActions.length, 4)
+  assert.deepEqual(
+    greetingGuard.suggestedActions.map((item) => item.action_type),
+    Array.from({ length: 4 }, () => ASSISTANT_SCOPE_ACTION_SWITCH)
+  )
+  assert.match(greetingGuard.text, /小财管家暂时不处理「你好」/)
+  assert.match(greetingGuard.text, /你可以直接点下面的场景继续/)
+  assert.equal(guard.suggestedActions.length, 4)
   assert.equal(guard.blocked, true)
   assert.equal(guard.targetSessionType, '')
   assert.match(guard.text, /此意图系统不支持/)
   assert.match(guard.text, /当前系统支持的业务范围/)
-  assert.deepEqual(guard.suggestedActions, [])
 })
 
+
 test('assistant scope guard routes related business intent instead of blocking', () => {
   const guard = resolveAssistantScopeGuard('帮我查一下报销单状态', ASSISTANT_SCOPE_SESSION_APPLICATION)