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/travel-request-detail-risk-advice.test.mjs

@@ -645,8 +645,8 @@ test('AI advice template renders grouped section titles with completion before r
   assert.match(detailViewScript, /const hasVisibleRiskCards = computed/)
   assert.match(detailViewScript, /const showCompactSafeAdvice = computed/)
   assert.match(detailViewScript, /const showAiAdvicePanel = computed\(\(\) => \(/)
-  assert.match(detailViewScript, /isCurrentApplicant\.value && !isApplicationDocument\.value && hasVisibleRiskCards\.value/)
-  assert.match(detailViewScript, /return '风险提示'/)
+  assert.match(detailViewScript, /isCurrentApplicant\.value && hasVisibleRiskCards\.value/)
+  assert.match(detailViewScript, /isApplicationDocument\.value \? '申请风险提示' : '风险提示'/)
   assert.match(detailViewScript, /return isEditableRequest\.value \? 'AI建议' : '风险提示'/)
   assert.doesNotMatch(detailViewScript, /return '报销风险提示'/)
   assert.match(detailViewScript, /canViewApprovalRiskAdvice\.value && aiAdvice\.value\.riskCards\.length > 0/)