feat(steward): 前端支持 off_topic 与引导话术

- assistantSessionScope.js：新增 ASSISTANT_SCOPE_ACTION_FILL_COMPOSER 常量
- assistantSuggestedActionPrefill.js：识别 fill_composer 与 payload.fill_text
- stewardPlanModel.js：normalizeStewardPlan 透传 suggestedPrompts；
  buildStewardPlanMessageText / buildStewardSuggestedActions
  新增 off_topic 分支，按钮填充输入框不提交
- useStewardPlanFlow.js：isPendingStewardActionMessage 排除 off_topic
- steward-plan-off-topic.test.mjs：覆盖 normalize/文案/按钮/兼容路径

web/src/views/scripts/stewardPlanModel.js

@@ -1,5 +1,6 @@
 import {
   ASSISTANT_SCOPE_ACTION_SWITCH,
+  ASSISTANT_SCOPE_ACTION_FILL_COMPOSER
 } from '../../utils/assistantSessionScope.js'
 import {
   SESSION_TYPE_APPLICATION,
@@ -200,12 +201,18 @@ export function normalizeStewardPlan(rawPlan = {}, options = {}) {
       ? rawPlan.confirmation_groups
       : [],
     pendingFlowConfirmation,
-    candidateFlows: pendingFlowConfirmation.candidateFlows
+    candidateFlows: pendingFlowConfirmation.candidateFlows,
+    suggestedPrompts: Array.isArray(rawPlan.suggested_prompts)
+      ? rawPlan.suggested_prompts.map((item) => String(item || '').trim()).filter(Boolean)
+      : []
   }
 }
 
 export function buildStewardPlanMessageText(plan) {
   const normalized = normalizeStewardPlan(plan)
+  if (isOffTopicPlan(normalized)) {
+    return buildOffTopicMessageText(normalized)
+  }
   if (isPendingFlowConfirmationPlan(normalized)) {
     return buildPendingFlowConfirmationMessageText(normalized)
   }
@@ -215,13 +222,13 @@ export function buildStewardPlanMessageText(plan) {
     `${index + 1}. **${buildTaskOrderVerb(index)}${buildTaskOrderTarget(task)}**\n   - ${buildTaskOrderActionDescription(task)}`
   )
   return [
-    '### 我会这样推进',
+    '### 我先帮你把步骤理清楚',
     '',
-    `我识别到 **${normalized.tasks.length} 个财务事项**，会按顺序逐步处理，不会一次性把所有动作都执行掉。`,
+    buildStewardPlanFriendlyIntro(normalized),
     '',
     ...taskLines,
     '',
-    '如果这个顺序没问题，请回复 **确定**。我会先进入第一步，并在具体步骤里再判断需要你补充哪些信息。'
+    '你看这个顺序是否合适？如果没问题，回复 **确定** 就行。我会先帮你进入第一步，需要补充的信息会在具体步骤里再温和提醒你。'
   ].filter((line, index, lines) => line || lines[index - 1]).join('\n')
 }
 
@@ -284,6 +291,18 @@ export function formatStewardOntologyFields(fields = {}, taskType = '') {
 
 export function buildStewardSuggestedActions(plan) {
   const normalized = normalizeStewardPlan(plan)
+  if (isOffTopicPlan(normalized)) {
+    return normalized.suggestedPrompts.map((prompt) => ({
+      label: prompt.length > 24 ? `${prompt.slice(0, 24)}...` : prompt,
+      description: '点击填入输入框，可编辑后发送',
+      icon: 'mdi mdi-comment-text-outline',
+      action_type: ASSISTANT_SCOPE_ACTION_FILL_COMPOSER,
+      payload: {
+        steward_plan_id: normalized.planId,
+        fill_text: prompt
+      }
+    }))
+  }
   if (isPendingFlowConfirmationPlan(normalized)) {
     return normalized.candidateFlows.map((flow) => ({
       label: flow.label,
@@ -383,6 +402,28 @@ function isPendingFlowConfirmationPlan(normalized) {
   ) && Array.isArray(normalized?.candidateFlows) && normalized.candidateFlows.length > 0
 }
 
+function isOffTopicPlan(normalized) {
+  return String(normalized?.planStatus || '').trim() === 'off_topic'
+}
+
+export function isOffTopicStewardPlan(rawPlan) {
+  return isOffTopicPlan(normalizeStewardPlan(rawPlan))
+}
+
+function buildOffTopicMessageText(normalized) {
+  const summary = String(normalized?.summary || '').trim()
+  const summaryLine = summary && summary !== '这看起来跟财务任务没什么关系...'
+    ? summary
+    : '这看起来跟财务任务没什么关系，我目前只能帮你处理**费用申请**和**费用报销**两类事项。'
+  return [
+    '### 小财管家没看懂这件事',
+    '',
+    summaryLine,
+    '',
+    '你可以试试下面这些方式告诉我：'
+  ].join('\n')
+}
+
 function buildPendingFlowConfirmationMessageText(normalized) {
   const fields = normalized.candidateFlows[0]?.ontologyFields || {}
   const knownParts = formatStewardOntologyFields(fields, 'expense_application')
@@ -511,10 +552,10 @@ function buildTaskOrderVerb(index) {
 function buildTaskOrderTarget(task) {
   const title = task.title || task.taskTypeLabel
   if (task.taskType === 'expense_application') {
-    return `创建“${title}”`
+    return `整理“${title}”`
   }
   if (task.taskType === 'reimbursement') {
-    return `处理“${title}”`
+    return `核对“${title}”`
   }
   return `处理“${title}”`
 }
@@ -522,12 +563,19 @@ function buildTaskOrderTarget(task) {
 function buildTaskOrderActionDescription(task) {
   const agent = task.assignedAgentLabel || '对应助手'
   if (task.taskType === 'expense_application') {
-    return `交给${agent}生成申请单核对结果，确认无误后再进入后续动作。`
+    return `我会请${agent}先把申请单草稿整理出来，方便你核对关键信息，再决定是否继续。`
   }
   if (task.taskType === 'reimbursement') {
-    return `交给${agent}整理报销核对结果，等前一步完成后再继续推进。`
+    return `我会请${agent}把票据、金额和制度口径先核清楚，前一步确认后再继续往下走。`
   }
-  return `交给${agent}处理，执行前会先让你确认。`
+  return `我会请${agent}先整理可核对的结果，真正执行前仍会让你确认。`
+}
+
+function buildStewardPlanFriendlyIntro(normalized) {
+  const taskCountText = normalized.tasks.length > 1
+    ? `${normalized.tasks.length} 个相关事项`
+    : '1 个事项'
+  return `我先看了一下，你这次主要是 **${taskCountText}**。为了不让步骤混在一起，我会先把要做的事拆开，让你每一步都能看清楚、确认后再继续。`
 }
 
 function buildTaskOrderDescription(normalized) {

web/src/views/scripts/useStewardPlanFlow.js

@@ -2,6 +2,7 @@ import {
   buildStewardPlanMessageText,
   buildStewardPlanRequest,
   buildStewardSuggestedActions,
+  isOffTopicStewardPlan,
   normalizeStewardPlan
 } from './stewardPlanModel.js'
 import { SESSION_TYPE_STEWARD } from './travelReimbursementConversationModel.js'
@@ -384,7 +385,14 @@ export function useStewardPlanFlow({
 
   function isPendingStewardActionMessage(message) {
     if (message?.stewardPlan) {
-      return message.stewardPlan.streamStatus !== 'streaming'
+      if (message.stewardPlan.streamStatus === 'streaming') {
+        return false
+      }
+      // off_topic 是引导用户重新编辑输入，不参与"确定/确认"快捷回复链路。
+      if (isOffTopicStewardPlan(message.stewardPlan)) {
+        return false
+      }
+      return true
     }
     return (
       String(message?.assistantName || '').trim() === '小财管家'