feat(web): 工作台 AI 模式报销预审与文档查询模型拆分

- 新增 aiApplicationPrecheckModel/aiDocumentQueryModel/aiApplicationPreviewActions/aiConversationHtmlRenderer 四个独立模型与服务，按职责从主组件拆出
- PersonalWorkbenchAiMode 接入拆分后的预审、文档查询与 HTML 渲染逻辑，配合 markdown 工具增强结构化展示
- 文档中心与归档筛选、风险可见性、申请预览等工具同步适配，补充对应单元测试
- 新增 AI 文档卡片背景资源

web/src/utils/expenseApplicationPreview.js

@@ -756,14 +756,6 @@ export function buildApplicationPolicyEstimateRequest(preview = {}, currentUser
   const transportMode = String(fields.transportMode || '').trim()
   const shouldEstimate = /差旅|住宿|交通/.test(applicationType) || Boolean(transportMode)
 
-  if (/差旅|出差/.test(applicationType) && !transportMode) {
-    return {
-      canCalculate: false,
-      reason: '缺少出行方式',
-      payload: null
-    }
-  }
-
   if (!shouldEstimate || !days || !location) {
     return {
       canCalculate: false,
@@ -794,12 +786,8 @@ export function buildApplicationPolicyEstimateRequest(preview = {}, currentUser
 }
 
 export function applyApplicationPolicyEstimateResult(preview = {}, result = {}, currentUser = {}) {
-  const resultTransportMode = String(result?.transport_mode || '').trim()
   const fields = {
-    ...(preview?.fields || {}),
-    ...(!String(preview?.fields?.transportMode || '').trim() && resultTransportMode
-      ? { transportMode: resultTransportMode }
-      : {})
+    ...(preview?.fields || {})
   }
   const hotelRate = formatPolicyMoney(result?.hotel_rate)
   const hotelAmount = formatPolicyMoney(result?.hotel_amount)
@@ -808,6 +796,11 @@ export function applyApplicationPolicyEstimateResult(preview = {}, result = {},
   const matchedCity = String(result?.matched_city || fields.location || '').trim()
   const grade = String(result?.grade || fields.grade || resolveCurrentUserGrade(currentUser)).trim()
   if (isTravelApplicationType(fields.applicationType) && !String(fields.transportMode || '').trim()) {
+    const days = Number(result?.days) || parseApplicationDaysValue(fields.days) || 1
+    const baseTotalAmount = parseMoneyNumber(result?.hotel_amount) + parseMoneyNumber(result?.allowance_amount)
+    const baseTotalDisplay = Number.isFinite(baseTotalAmount) && baseTotalAmount > 0
+      ? formatPolicyMoney(baseTotalAmount)
+      : ''
     return normalizeApplicationPreview({
       ...preview,
       fields: {
@@ -816,7 +809,10 @@ export function applyApplicationPolicyEstimateResult(preview = {}, result = {},
         lodgingDailyCap: formatDailyPolicyMoney(result?.hotel_rate),
         subsidyDailyCap: formatDailyPolicyMoney(result?.total_allowance_rate),
         transportPolicy: APPLICATION_TRANSPORT_REIMBURSEMENT_TEXT,
-        policyEstimate: APPLICATION_POLICY_PENDING_TEXT,
+        policyEstimate: baseTotalDisplay
+          ? `交通待补充 + 住宿 ${hotelAmount}元 + 补贴 ${allowanceAmount}元 = ${baseTotalDisplay}元（${days}天，不含交通）`
+          : APPLICATION_POLICY_PENDING_TEXT,
+        amount: baseTotalDisplay ? `${baseTotalDisplay}元（不含交通）` : fields.amount,
         matchedCity,
         ruleName: String(result?.rule_name || '').trim(),
         ruleVersion: String(result?.rule_version || '').trim(),
@@ -827,7 +823,7 @@ export function applyApplicationPolicyEstimateResult(preview = {}, result = {},
         transportQueryLatencyMs: '',
         transportEstimateSource: '',
         transportEstimateConfidence: '',
-        policyTotalAmount: ''
+        policyTotalAmount: baseTotalDisplay ? `${baseTotalDisplay}元（不含交通）` : ''
       },
       policyEstimateStatus: 'pending'
     })