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/workbench-ai-mode-switch.test.mjs

@@ -194,6 +194,7 @@ test('personal workbench view swaps the traditional dashboard with the AI mode s
   assert.match(workbenchView, /:sidebar-command="aiSidebarCommand"/)
   assert.match(workbenchView, /@conversation-change="emit\('ai-conversation-change', \$event\)"/)
   assert.match(workbenchView, /@conversation-history-change="emit\('ai-conversation-history-change', \$event\)"/)
+  assert.match(workbenchView, /@open-document="emit\('open-document', \$event\)"/)
   assert.match(workbenchView, /<PersonalWorkbench[\s\S]*v-else[\s\S]*key="traditional"/)
   assert.match(workbenchView, /workbenchMode:\s*\{[\s\S]*type:\s*String,[\s\S]*default:\s*'traditional'/)
   assert.match(workbenchView, /aiSidebarCommand:\s*\{[\s\S]*type:\s*Object/)
@@ -233,7 +234,7 @@ test('AI mode screen follows the approved reference structure', () => {
   assert.match(aiMode, /class="workbench-ai-thread"[\s\S]*@scroll\.passive="handleInlineConversationScroll"/)
   assert.match(aiMode, /workbench-ai-answer-card/)
   assert.match(aiMode, /workbench-ai-answer-markdown/)
-  assert.match(aiMode, /v-html="renderInlineMarkdown\(message\.content\)"/)
+  assert.match(aiMode, /v-html="renderInlineConversationHtml\(message\.content\)"/)
   assert.match(aiMode, /workbench-ai-message-actions/)
   assert.match(aiMode, /workbench-ai-conversation-actions/)
   assert.match(aiMode, /scrollInlineConversationToTop/)
@@ -257,17 +258,28 @@ test('AI mode screen follows the approved reference structure', () => {
   assert.doesNotMatch(aiMode, /思考过程/)
   assert.doesNotMatch(aiMode, /message\.pending \?/)
   assert.match(aiMode, /placeholder="继续和小财管家对话\.\.\."/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-document-card\)/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-document-card__head\)/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-document-card__body\)/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-document-card__foot\)/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-document-card__amount\)/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-document-card__meta\)/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-html-action-link\)/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-html-table-wrap\)/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-html-image-frame\)/)
   assert.match(aiMode, /import \{ fetchSettings \} from '\.\.\/\.\.\/services\/settings\.js'/)
   assert.match(aiMode, /import \{ fetchStewardPlan, fetchStewardPlanStream \} from '\.\.\/\.\.\/services\/steward\.js'/)
   assert.match(aiMode, /import \{ useWorkbenchComposerDate \} from '\.\.\/\.\.\/composables\/useWorkbenchComposerDate\.js'/)
   assert.match(aiMode, /loadAiWorkbenchConversationHistory/)
   assert.match(aiMode, /saveAiWorkbenchConversation/)
   assert.match(aiMode, /deleteAiWorkbenchConversation/)
-  assert.match(aiMode, /import \{ renderMarkdown \} from '\.\.\/\.\.\/utils\/markdown\.js'/)
+  assert.match(aiMode, /import \{ renderAiConversationHtml \} from '\.\.\/\.\.\/utils\/aiConversationHtmlRenderer\.js'/)
+  assert.match(aiMode, /function renderInlineConversationHtml\(content\) \{[\s\S]*return renderAiConversationHtml\(content\)[\s\S]*\}/)
+  assert.doesNotMatch(aiMode, /import \{ renderMarkdown \} from '\.\.\/\.\.\/utils\/markdown\.js'/)
   assert.match(aiMode, /buildStewardPlanRequest/)
   assert.match(aiMode, /buildStewardPlanMessageText/)
   assert.match(aiMode, /buildStewardSuggestedActions/)
-  assert.match(aiMode, /const emit = defineEmits\(\['conversation-change', 'conversation-history-change'\]\)/)
+  assert.match(aiMode, /const emit = defineEmits\(\['conversation-change', 'conversation-history-change', 'open-document'\]\)/)
   assert.match(aiMode, /function startInlineConversation\(prompt, entry = \{\}, files = \[\]\)/)
   assert.match(aiMode, /activateInlineConversation\(\{[\s\S]*title:[\s\S]*\}\)[\s\S]*conversationMessages\.value\.push\(createInlineMessage\('user'/)
   assert.match(aiMode, /persistCurrentConversation\(\)/)
@@ -355,6 +367,9 @@ test('AI mode screen follows the approved reference structure', () => {
   assert.match(aiModeStyles, /\.workbench-ai-answer-card\s*\{[\s\S]*box-shadow:\s*none;[\s\S]*backdrop-filter:\s*none;/)
   assert.match(aiModeStyles, /\.workbench-ai-answer-markdown\s*\{[\s\S]*line-height:\s*1\.86;/)
   assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(h3\)\s*\{[\s\S]*font-size:\s*21px;/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-html-focus-grid\)\s*\{[\s\S]*border-left:\s*3px solid/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-html-focus-card\)\s*\{[\s\S]*background:\s*transparent;/)
+  assert.match(aiModeStyles, /\.workbench-ai-answer-markdown :deep\(\.ai-html-step-index\)\s*\{[\s\S]*background:\s*transparent;[\s\S]*font-size:\s*17px;/)
   assert.match(aiModeStyles, /\.workbench-ai-date-popover\s*\{[\s\S]*animation:\s*workbenchAiPopoverIn/)
   assert.match(aiModeStyles, /\.workbench-ai-send-btn:not\(:disabled\)\s*\{[\s\S]*linear-gradient\(135deg,[\s\S]*#1d4ed8/)
   assert.match(aiModeStyles, /\.workbench-ai-composer--inline\s*\{[\s\S]*min-height:\s*126px;[\s\S]*box-shadow:\s*none;/)