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

@@ -1543,7 +1543,7 @@ test('application preview merges rule center travel estimate into highlighted ro
   assert.equal(buildApplicationPreviewRows(estimatedPreview).find((row) => row.key === 'policyEstimate')?.highlight, true)
 })
 
-test('application preview blocks policy estimate when transport mode is missing', () => {
+test('application preview calculates base policy estimate when transport mode is missing', () => {
   const currentUser = { name: '李文静', grade: 'P5', location: '武汉' }
   const preview = buildLocalApplicationPreview(
     '我要申请2月20日-23日去上海出差，辅助国网仿生产项目部署',
@@ -1551,9 +1551,15 @@ test('application preview blocks policy estimate when transport mode is missing'
     { today: '2026-06-09' }
   )
   const request = buildApplicationPolicyEstimateRequest(preview, currentUser)
-  assert.equal(request.canCalculate, false)
-  assert.equal(request.reason, '缺少出行方式')
-  assert.equal(request.payload, null)
+  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'
+  })
   assert.equal(preview.missingFields.includes('出行方式'), true)
   assert.equal(preview.readyToSubmit, false)
 
@@ -1586,14 +1592,17 @@ test('application preview blocks policy estimate when transport mode is missing'
 
   assert.equal(blockedEstimatePreview.fields.transportMode, '')
   assert.equal(blockedEstimatePreview.fields.transportEstimatedAmount, '')
-  assert.equal(blockedEstimatePreview.fields.policyEstimate, '填写地点和天数后自动测算')
+  assert.equal(blockedEstimatePreview.fields.lodgingDailyCap, '250元/天')
+  assert.equal(blockedEstimatePreview.fields.subsidyDailyCap, '100元/天')
+  assert.equal(blockedEstimatePreview.fields.policyEstimate, '交通待补充 + 住宿 1,000元 + 补贴 400元 = 1,400元（4天，不含交通）')
+  assert.equal(blockedEstimatePreview.fields.amount, '1,400元（不含交通）')
   assert.equal(blockedEstimatePreview.missingFields.includes('出行方式'), true)
   assert.equal(staleEstimatePreview.fields.reason, '辅助国网仿生产项目部署')
-  assert.equal(staleEstimatePreview.fields.transportMode, '火车')
-  assert.equal(staleEstimatePreview.missingFields.includes('出行方式'), false)
-  assert.equal(staleEstimatePreview.fields.transportPolicy, '当前尚未接通实时票务价格查询 API，无法获取当前实际票价；先按《交通费用预估表》武汉-上海火车往返（二等座预估）暂估 720元用于申请阶段预算占用，最终报销以实际票据金额为准')
-  assert.match(staleEstimatePreview.fields.policyEstimate, /交通 720元/)
-  assert.equal(staleEstimatePreview.fields.amount, '2,120元')
+  assert.equal(staleEstimatePreview.fields.transportMode, '')
+  assert.equal(staleEstimatePreview.missingFields.includes('出行方式'), true)
+  assert.equal(staleEstimatePreview.fields.transportPolicy, '选择火车、飞机或轮船后自动预估交通费用')
+  assert.equal(staleEstimatePreview.fields.policyEstimate, '交通待补充 + 住宿 1,000元 + 补贴 400元 = 1,400元（4天，不含交通）')
+  assert.equal(staleEstimatePreview.fields.amount, '1,400元（不含交通）')
 })
 
 test('application preview editor refreshes transport estimate after mode change', async () => {