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/tests/ai-application-preview-actions.test.mjs

@@ -0,0 +1,127 @@
+import assert from 'node:assert/strict'
+import test from 'node:test'
+
+import {
+  AI_APPLICATION_ACTION_SAVE_DRAFT,
+  AI_APPLICATION_ACTION_SUBMIT,
+  buildAiApplicationPreviewActionPayload
+} from '../src/services/aiApplicationPreviewActions.js'
+import {
+  applyApplicationPolicyEstimateResult,
+  buildApplicationPolicyEstimateRequest,
+  buildLocalApplicationPreview
+} from '../src/utils/expenseApplicationPreview.js'
+
+const applicationPreview = {
+  fields: {
+    applicationType: '差旅费用申请',
+    applicant: '曹笑竹',
+    grade: 'P5',
+    department: '技术部',
+    position: '财务智能化产品经理',
+    managerName: '向万红',
+    time: '2026-02-20 至 2026-02-23',
+    location: '上海',
+    reason: '辅助国网仿生产服务器部署',
+    days: '4天',
+    transportMode: '火车',
+    lodgingDailyCap: '250元/天',
+    subsidyDailyCap: '100元/天',
+    transportPolicy: '按交通费用预估表暂估',
+    policyEstimate: '交通 720元 + 住宿 1,000元 + 补贴 400元 = 2,120元（4天）',
+    amount: '2,120元'
+  }
+}
+
+const currentUser = {
+  username: 'caoxiaozhu@xf.com',
+  name: '曹笑竹',
+  departmentName: '技术部',
+  position: '财务智能化产品经理',
+  grade: 'P5',
+  managerName: '向万红',
+  roleCodes: ['employee']
+}
+
+test('save application preview payload uses save draft action without submit wording', () => {
+  const payload = buildAiApplicationPreviewActionPayload({
+    actionType: AI_APPLICATION_ACTION_SAVE_DRAFT,
+    applicationPreview,
+    currentUser,
+    conversationId: 'inline-1'
+  })
+
+  assert.equal(payload.user_id, 'caoxiaozhu@xf.com')
+  assert.equal(payload.conversation_id, 'inline-1')
+  assert.equal(payload.context_json.session_type, 'application')
+  assert.equal(payload.context_json.review_action, undefined)
+  assert.equal(payload.context_json.application_action, 'save_draft')
+  assert.equal(payload.context_json.application_preview.fields.transportMode, '火车')
+  assert.match(payload.message, /费用申请保存草稿/)
+  assert.match(payload.message, /保存草稿/)
+  assert.doesNotMatch(payload.message, /确认提交/)
+})
+
+test('submit application preview payload keeps existing draft id for resubmission', () => {
+  const payload = buildAiApplicationPreviewActionPayload({
+    actionType: AI_APPLICATION_ACTION_SUBMIT,
+    applicationPreview,
+    currentUser,
+    conversationId: 'inline-1',
+    draftPayload: {
+      claim_id: 'draft-001',
+      claim_no: 'AP-202602200001'
+    }
+  })
+
+  assert.equal(payload.context_json.review_action, undefined)
+  assert.equal(payload.context_json.application_edit_claim_id, 'draft-001')
+  assert.equal(payload.context_json.draft_claim_id, 'draft-001')
+  assert.match(payload.message, /费用申请确认提交/)
+  assert.match(payload.message, /确认提交/)
+})
+
+test('travel application preview calculates base standards before transport mode is selected', () => {
+  const preview = buildLocalApplicationPreview(
+    '2月20-23日去上海出差，辅助国网仿生产服务器部署',
+    { name: '曹笑竹', grade: 'P5', location: '武汉' },
+    { today: '2026-06-20' }
+  )
+  const request = buildApplicationPolicyEstimateRequest(preview, { grade: 'P5', location: '武汉' })
+
+  assert.equal(request.canCalculate, true)
+  assert.deepEqual(request.payload, {
+    days: 4,
+    location: '上海',
+    grade: 'P5',
+    transport_mode: null,
+    origin_location: '武汉',
+    travel_date: '2026-02-20'
+  })
+
+  const estimatedPreview = applyApplicationPolicyEstimateResult(preview, {
+    days: 4,
+    location: '上海',
+    matched_city: '上海',
+    grade: 'P5',
+    hotel_rate: 450,
+    hotel_amount: 1800,
+    total_allowance_rate: 100,
+    allowance_amount: 400,
+    transport_mode: '火车',
+    transport_origin: '武汉',
+    transport_destination: '上海',
+    transport_estimated_amount: 720,
+    total_amount: 2200,
+    rule_name: '公司差旅费报销规则',
+    rule_version: 'v1.0.0'
+  }, { grade: 'P5', location: '武汉' })
+
+  assert.equal(estimatedPreview.fields.transportMode, '')
+  assert.equal(estimatedPreview.missingFields.includes('出行方式'), true)
+  assert.equal(estimatedPreview.fields.lodgingDailyCap, '450元/天')
+  assert.equal(estimatedPreview.fields.subsidyDailyCap, '100元/天')
+  assert.equal(estimatedPreview.fields.transportPolicy, '选择火车、飞机或轮船后自动预估交通费用')
+  assert.equal(estimatedPreview.fields.policyEstimate, '交通待补充 + 住宿 1,800元 + 补贴 400元 = 2,200元（4天，不含交通）')
+  assert.equal(estimatedPreview.fields.amount, '2,200元（不含交通）')
+})