feat: 数字员工财务报告体系与定时提醒及看板快照调度

- 新增数字员工财务报告生成、邮件投递与渲染调度器
- 引入员工画像扫描调度与定时提醒任务
- 完善财务看板快照、排行口径与部门人员占比计算
- 优化数字员工工作看板仪表盘与技能目录
- 增强前端总览页图表、工作台摘要与顶部导航栏交互
- 新增差旅申请规划推动提醒与报销创建会话状态管理
- 补充财务报告、看板调度、数字员工工作记录测试覆盖

web/tests/risk-observation-dashboard.test.mjs

@@ -82,3 +82,16 @@ test('risk dashboard wires window filter to trend, ranking, and cards data sourc
   assert.match(dashboardComponent, /RiskDailyTrendChart/)
   assert.match(dashboardComponent, /rankingGroups/)
 })
+
+test('risk dashboard shows loading overlay and realtime refresh status', () => {
+  assert.match(dashboardComponent, /risk-dashboard-loading-overlay/)
+  assert.match(dashboardComponent, /loadingLabel/)
+  assert.match(dashboardComponent, /lastUpdatedLabel/)
+  assert.match(dashboardComponent, /lastUpdatedAt/)
+  assert.match(overviewViewModel, /riskDashboardLastUpdatedAt/)
+  assert.match(overviewViewModel, /startRiskDashboardRealtimeRefresh/)
+  assert.match(overviewViewModel, /setInterval/)
+  assert.match(overviewViewModel, /document\.visibilityState === 'hidden'/)
+  assert.match(overviewViewModel, /riskDashboardRequestSeq/)
+  assert.match(overviewTemplate, /:last-updated-at="riskDashboardLastUpdatedAt"/)
+})