refactor(travel): split reimbursement create workflow

完整修改内容： - 拆分 TravelReimbursementCreateView：提取审核面板纯模型、消息操作、建议动作处理、生命周期 watcher/UI 映射、小财管家运行时、续办流程和运行时文本模型，减少主组件继续堆叠业务分支。 - 调整申请预览链路：新增本地申请意图 gate，完善复杂差旅申请的大模型复核判断、交通方式缺失/候选识别、规则中心交通费用预估合并和申请冲突处理。 - 优化小财管家流程：抽出 steward typewriter 分段策略，避免 Markdown 表格逐字闪烁；补齐跨助手 carry、字段补齐续办、文本确认提交和行程规划推荐动作。 - 调整消息与样式：移除申请预览日期 chip 样式，收敛申请卡片/报销草稿消息的展示与复制、朗读、反馈入口逻辑。 - 更新测试：将源码锚点迁移到新模块，覆盖申请预览、提交确认、小财管家续办、引导流和审核抽屉相关断言。验证： - node --check web/src/views/scripts/TravelReimbursementCreateView.js 及新增拆分模块 - npm --prefix web run build - node --test web/tests/expense-application-fast-preview.test.mjs web/tests/expense-application-submit-rich-confirm.test.mjs web/tests/travel-reimbursement-guided-flow.test.mjs 说明： - 后端/规则/容器配置/Audit 页面等工作区已有改动未纳入本提交。 - 容器内后端定向 pytest 曾运行 timeout 180s /tmp/x-financial-server-venv/bin/pytest -q <相关后端测试>，180 秒超时且超时前已有失败标记，未作为通过项记录。 - TravelReimbursementCreateView 当前仍超过 800 行，后续仍需继续拆分；本提交先把新增职责模块控制在 800 行内，阻止主类/主模块继续膨胀。
2026-06-13 14:52:26 +00:00
parent 336fee9d93
commit 8b952c9a26
28 changed files with 4510 additions and 2730 deletions
--- a/web/src/assets/styles/components/travel-reimbursement-message-application.css
+++ b/web/src/assets/styles/components/travel-reimbursement-message-application.css
@@ -1,14 +1,3 @@
-.application-preview-date-chip {
-  display: inline-flex;
-  align-items: center;
-  min-height: 24px;
-  padding: 0 8px;
-  border-radius: 999px;
-  background: rgba(var(--theme-primary-rgb, 58, 124, 165), 0.1);
-  color: var(--theme-primary-active, #255b7d);
-  font-weight: 850;
-}
-
 .application-draft-preview {
  width: min(100%, 620px);
  max-width: 620px;
--- a/web/src/assets/styles/components/travel-reimbursement-message-item.css
+++ b/web/src/assets/styles/components/travel-reimbursement-message-item.css
@@ -532,10 +532,11 @@

 .message-answer-markdown :deep(table) {
  width: 100%;
-  min-width: 460px;
+  min-width: 560px;
  border: 0;
  border-collapse: separate;
  border-spacing: 0;
+  table-layout: fixed;
  background: #ffffff;
  font-size: inherit;
 }
@@ -547,6 +548,25 @@
  text-align: left;
  vertical-align: top;
  white-space: normal;
+  word-break: normal;
+  overflow-wrap: break-word;
+}
+
+.message-answer-markdown :deep(th:first-child),
+.message-answer-markdown :deep(td:first-child) {
+  width: 88px;
+  white-space: nowrap;
+  word-break: keep-all;
+  overflow-wrap: normal;
+}
+
+.message-answer-markdown :deep(th:last-child),
+.message-answer-markdown :deep(td:last-child) {
+  width: 112px;
+  text-align: right;
+  white-space: nowrap;
+  word-break: keep-all;
+  overflow-wrap: normal;
 }

 .message-answer-markdown :deep(th) {
@@ -786,30 +806,6 @@
  border-top: 1px solid #e6edf5;
 }

-.structured-card-reveal-enter-active .application-preview-row {
-  animation: structured-card-item-reveal 260ms cubic-bezier(0.22, 1, 0.36, 1) both;
-}
-
-.structured-card-reveal-enter-active .application-preview-row:nth-child(2) {
-  animation-delay: 35ms;
-}
-
-.structured-card-reveal-enter-active .application-preview-row:nth-child(3) {
-  animation-delay: 70ms;
-}
-
-.structured-card-reveal-enter-active .application-preview-row:nth-child(4) {
-  animation-delay: 105ms;
-}
-
-.structured-card-reveal-enter-active .application-preview-row:nth-child(5) {
-  animation-delay: 140ms;
-}
-
-.structured-card-reveal-enter-active .application-preview-row:nth-child(n + 6) {
-  animation-delay: 165ms;
-}
-
 .application-preview-row.editable {
  cursor: pointer;
 }
--- a/web/src/components/travel/TravelReimbursementMessageItem.vue
+++ b/web/src/components/travel/TravelReimbursementMessageItem.vue
@@ -207,7 +207,6 @@
              <template v-else>
                <span
                  class="application-preview-text"
-                  :class="{ 'application-preview-date-chip': row.key === 'time' && !row.missing }"
                >{{ row.value }}</span>
                <button
                  v-if="row.editable"
--- a/web/src/utils/assistantSessionScope.js
+++ b/web/src/utils/assistantSessionScope.js
@@ -1,4 +1,7 @@
+import ontologyBusinessContract from '../../../shared/ontology_business_contract.json' with { type: 'json' }
+
 export const ASSISTANT_SCOPE_ACTION_SWITCH = 'switch_assistant_session'
+export const ASSISTANT_SCOPE_ACTION_UNSUPPORTED = 'unsupported_business_intent'

 export const ASSISTANT_SCOPE_SESSION_APPLICATION = 'application'
 export const ASSISTANT_SCOPE_SESSION_EXPENSE = 'expense'
@@ -6,7 +9,7 @@ export const ASSISTANT_SCOPE_SESSION_APPROVAL = 'approval'
 export const ASSISTANT_SCOPE_SESSION_KNOWLEDGE = 'knowledge'
 export const ASSISTANT_SCOPE_SESSION_STEWARD = 'steward'

-const SESSION_SCOPE_CONFIG = {
+const FALLBACK_SESSION_SCOPE_CONFIG = {
  [ASSISTANT_SCOPE_SESSION_STEWARD]: {
    label: '小财管家',
    icon: 'mdi mdi-account-tie-outline',
@@ -34,7 +37,10 @@ const SESSION_SCOPE_CONFIG = {
  }
 }

+const ONTOLOGY_BUSINESS_CONTRACT = ontologyBusinessContract || {}
+const SESSION_SCOPE_CONFIG = ONTOLOGY_BUSINESS_CONTRACT.sessions || FALLBACK_SESSION_SCOPE_CONFIG
 const SESSION_SCOPE_TYPES = Object.keys(SESSION_SCOPE_CONFIG)
+const BUSINESS_SIGNAL_GROUPS = ONTOLOGY_BUSINESS_CONTRACT.businessSignals || {}

 const APPLICATION_PATTERN =
  /费用申请|发起申请|申请单|事前申请|事前审批|前置审批|出差申请|申请出差|差旅申请|申请差旅|采购申请|用款申请|预算申请|申请材料|材料清单|先申请|立项申请/
@@ -56,6 +62,45 @@ const KNOWLEDGE_PATTERN =
  /制度|政策|标准|规则|规定|流程|口径|依据|上限|额度|补贴|住宿标准|差旅标准|报销标准|票据要求|可不可以|能不能|怎么规定|如何计算|怎么算/
 const EXPENSE_OPERATION_PATTERN = /发起报销|报销单|票据|发票|火车票|高铁票|机票|的士票|草稿|归集|上传|关联单据|继续下一步/
 const CURRENT_CLAIM_RISK_PATTERN = /这张|当前|本单|该单|单据|风险|超标|异常|重复|待补/
+const FINANCE_OPERATING_PATTERN = buildKeywordPattern([
+  ...(BUSINESS_SIGNAL_GROUPS.budget || []),
+  ...(BUSINESS_SIGNAL_GROUPS.accounts_receivable || []),
+  ...(BUSINESS_SIGNAL_GROUPS.accounts_payable || [])
+])
+const CONTEXTUAL_FOLLOW_UP_PATTERN = buildExactKeywordPattern(ONTOLOGY_BUSINESS_CONTRACT.contextualFollowUps || [])
+
+export const SUPPORTED_BUSINESS_SCOPE_TEXT = Array.isArray(ONTOLOGY_BUSINESS_CONTRACT.supportedBusinessScopes)
+  ? ONTOLOGY_BUSINESS_CONTRACT.supportedBusinessScopes
+  : [
+      '费用申请/事前审批',
+      '报销与票据识别',
+      '审批审核与风险解释',
+      '财务制度、报销标准和流程规则问答',
+      '预算、应收、应付等财务经营查询',
+      '小财管家多任务拆解和附件归集'
+    ]
+
+function escapeRegExp(value) {
+  return String(value || '').replace(/[.*+?^${}()|[\]\\]/g, '\\$&')
+}
+
+function buildKeywordPattern(keywords = []) {
+  const source = keywords
+    .map((keyword) => String(keyword || '').trim())
+    .filter(Boolean)
+    .map(escapeRegExp)
+    .join('|')
+  return source ? new RegExp(source) : /$a/
+}
+
+function buildExactKeywordPattern(keywords = []) {
+  const source = keywords
+    .map((keyword) => String(keyword || '').trim())
+    .filter(Boolean)
+    .map(escapeRegExp)
+    .join('|')
+  return source ? new RegExp(`^(${source})$`) : /$a/
+}

 function normalizeSessionType(sessionType) {
  const normalized = String(sessionType || '').trim()
@@ -131,6 +176,10 @@ export function inferAssistantScopeTarget(rawText, options = {}) {
    return ASSISTANT_SCOPE_SESSION_APPLICATION
  }

+  if (FINANCE_OPERATING_PATTERN.test(text)) {
+    return ASSISTANT_SCOPE_SESSION_STEWARD
+  }
+
  if (knowledgeMatched && !expenseMatched && !approvalMatched && !applicationMatched) {
    return ASSISTANT_SCOPE_SESSION_KNOWLEDGE
  }
@@ -198,10 +247,58 @@ function buildScopeBoundaryText(currentSessionType, targetSessionType) {
  ].join('\n')
 }

+function shouldAllowContextualFollowUp(rawText, currentSessionType, options = {}) {
+  const text = normalizeText(rawText)
+  if (options.hasActiveReviewPayload && CURRENT_CLAIM_RISK_PATTERN.test(text)) {
+    return true
+  }
+  if (!text || !CONTEXTUAL_FOLLOW_UP_PATTERN.test(text)) {
+    return false
+  }
+  return Boolean(
+    options.hasActiveReviewPayload ||
+    options.hasPendingApplicationPreview ||
+    options.reviewAction ||
+    currentSessionType
+  )
+}
+
+function buildUnsupportedBusinessScopeText() {
+  const message = ONTOLOGY_BUSINESS_CONTRACT.unsupportedIntentMessage || {}
+  return [
+    message.title || '此意图系统不支持。',
+    '',
+    `当前系统支持的业务范围：${SUPPORTED_BUSINESS_SCOPE_TEXT.join('、')}。`,
+    '',
+    message.body || '你这条内容没有识别到相关财务业务意图，系统暂不支持处理。',
+    '',
+    message.retryHint || '请重新描述你的财务业务要求，例如“申请下周去上海出差”“查询我的报销单进度”或“解释差旅住宿标准”。'
+  ].join('\n')
+}
+
+function buildUnsupportedBusinessScopeGuard() {
+  return {
+    targetSessionType: '',
+    targetLabel: '不支持的意图',
+    blocked: true,
+    text: buildUnsupportedBusinessScopeText(),
+    meta: ['意图不支持'],
+    suggestedActions: [],
+    actionType: ASSISTANT_SCOPE_ACTION_UNSUPPORTED
+  }
+}
+
 export function resolveAssistantScopeGuard(rawText, currentSessionType, options = {}) {
  const normalizedCurrent = normalizeSessionType(currentSessionType)
  const targetSessionType = inferAssistantScopeTarget(rawText, options)
-  if (!targetSessionType || targetSessionType === normalizedCurrent) {
+  if (!targetSessionType) {
+    if (shouldAllowContextualFollowUp(rawText, normalizedCurrent, options)) {
+      return null
+    }
+    return normalizeText(rawText) ? buildUnsupportedBusinessScopeGuard() : null
+  }
+
+  if (targetSessionType === normalizedCurrent) {
    return null
  }

--- a/web/src/utils/expenseApplicationEstimate.js
+++ b/web/src/utils/expenseApplicationEstimate.js
@@ -6,7 +6,7 @@ const LOCATION_BANDS = {

 const TRANSPORT_PRICE_BASE = {
  火车: { default: 360, premium: 520, remote: 900, coastal: 520 },
-  飞机: { default: 850, premium: 1100, remote: 1800, coastal: 1050 },
+  飞机: { default: 600, premium: 650, remote: 1600, coastal: 700 },
  轮船: { default: 320, premium: 480, remote: 680, coastal: 520 }
 }

@@ -125,8 +125,8 @@ export function buildMockApplicationTransportEstimate({
    queryDate,
    priceFactor,
    simulatedLatencyMs,
-    source: 'mock_ticket_price_query_v1',
-    confidence: 'mock',
+    source: 'fallback_transport_budget_estimate_v1',
+    confidence: 'fallback',
    basisText: `预估交通费用 ${amountDisplay}元`
  }
 }
--- a/web/src/utils/expenseApplicationIntentGate.js
+++ b/web/src/utils/expenseApplicationIntentGate.js
@@ -0,0 +1,93 @@
+const APPLICATION_SESSION_TYPE = 'application'
+const APPLICATION_ASSISTANT_ECHO_PATTERN = /(?:这是)?费用申请核对结果|申请核对结果|请核对上述信息|确认无误后.*提交至审批流程/
+const APPLICATION_QUERY_PATTERN = /查询|状态|进度|列表|有哪些|材料清单|需要哪些|制度|标准|规则|怎么规定/
+const APPLICATION_CREATE_PATTERN = /申请|发起|提交|创建|新建|事前|前置|出差|差旅|采购|会务|会议|培训/
+const APPLICATION_REASON_PATTERN = /支撑|支持|部署|上线|实施|驻场|拜访|验收|培训|协助|处理|办理|参加|服务/
+
+export function evaluateLocalApplicationIntentGate(rawText, options = {}) {
+  const compact = compactText(rawText)
+  if (String(options.sessionType || '').trim() !== APPLICATION_SESSION_TYPE) {
+    return block('out_of_scope', 0.98, '不是申请会话。')
+  }
+  if (options.systemGenerated || options.reviewAction || Number(options.attachmentCount || 0) > 0) {
+    return block('out_of_scope', 0.96, '系统生成、审核动作或附件场景不走本地申请预览。')
+  }
+  if (!compact) {
+    return block('chitchat_or_noise', 0.95, '输入为空。')
+  }
+  if (APPLICATION_ASSISTANT_ECHO_PATTERN.test(compact)) {
+    return block('assistant_echo', 0.96, '用户输入是助手申请核对文案回显。')
+  }
+  if (APPLICATION_QUERY_PATTERN.test(compact)) {
+    return block('ask_question', 0.86, '用户更像是在查询或询问。')
+  }
+
+  const fields = collectLocalApplicationIntentFields(rawText)
+  const fieldCount = Object.keys(fields).length
+  const hasCreateSignal = APPLICATION_CREATE_PATTERN.test(compact)
+  if (hasCreateSignal && fieldCount >= 2) {
+    return allow('create_application', 0.78, '申请动作和结构化申请事实同时存在。', fields)
+  }
+  if (hasCreateSignal && fieldCount === 1 && hasStrongBusinessSignal(compact)) {
+    return allow('create_application', 0.72, '申请动作和明确业务事实同时存在。', fields)
+  }
+  return block(
+    hasCreateSignal ? 'unknown' : 'chitchat_or_noise',
+    hasCreateSignal ? 0.58 : 0.82,
+    '未识别到足够的新建申请意图。',
+    fields
+  )
+}
+
+function allow(intent, confidence, reason, fields = {}) {
+  return {
+    intent,
+    allowed: true,
+    confidence,
+    reason,
+    fields
+  }
+}
+
+function block(intent, confidence, reason, fields = {}) {
+  return {
+    intent,
+    allowed: false,
+    confidence,
+    reason,
+    fields
+  }
+}
+
+function collectLocalApplicationIntentFields(rawText) {
+  const text = String(rawText || '')
+  const compact = compactText(text)
+  const fields = {}
+  if (/(?:20\d{2}[-/.年]\d{1,2}[-/.月]\d{1,2}|[1-9]\d?月[1-3]?\d日?)/.test(compact)) {
+    fields.time = 'time_text'
+  }
+  if (/(?:\d+|[一二两三四五六七八九十]{1,3})天/.test(compact)) {
+    fields.days = 'days_text'
+  }
+  if (/\d+(?:\.\d+)?\s*(?:万|千|k|K|元|块|人民币)/.test(text)) {
+    fields.amount = 'amount_text'
+  }
+  if (/(?:飞机|机票|航班|火车|高铁|动车|轮船|船票|客轮|渡轮)/.test(compact)) {
+    fields.transportMode = 'transport_text'
+  }
+  if (/(?:去|到|赴|前往)[\u4e00-\u9fa5]{1,24}(?:出差|支撑|支持|部署|开会|培训|拜访|验收|项目|客户|$)/.test(compact)) {
+    fields.location = 'location_text'
+  }
+  if (APPLICATION_REASON_PATTERN.test(compact)) {
+    fields.reason = 'reason_text'
+  }
+  return fields
+}
+
+function hasStrongBusinessSignal(compactTextValue) {
+  return APPLICATION_REASON_PATTERN.test(compactTextValue) || /出差|差旅/.test(compactTextValue)
+}
+
+function compactText(value) {
+  return String(value || '').replace(/\s+/g, '')
+}
--- a/web/src/utils/expenseApplicationOntology.js
+++ b/web/src/utils/expenseApplicationOntology.js
@@ -127,6 +127,13 @@ export function resolveApplicationAmount(ontology) {
  }
 }

+function resolveApplicationTypedAmount(ontology, type) {
+  const entity = resolveEntity(ontology, type)
+  const rawValue = entity?.normalized_value || entity?.value || ''
+  const numericValue = Number(String(rawValue).replace(/[^\d.]/g, ''))
+  return Number.isFinite(numericValue) && numericValue > 0 ? numericValue : 0
+}
+
 export function resolveTimeRangeText(ontology) {
  const range = ontology?.time_range || {}
  if (range.start_date && range.end_date) {
@@ -261,7 +268,8 @@ function cleanupApplicationReasonCandidate(value, location = '') {
  if (!text) return ''

  text = text
-    .replace(/^(?:发生时间|业务发生时间|申请时间|时间|地点|业务地点|发生地点|天数|出差天数|申请天数|出行方式|交通方式|交通工具|用户预估费用|预估费用|预计总费用|预计费用|预计金额|申请金额|预算|金额)\s*[:：]\s*/u, '')
+    .replace(/(?:请直接生成申请单核对结果|信息足够时生成申请单|但在入库或提交审批前仍需让我确认|请直接生成报销核对结果|需要创建草稿、绑定附件或提交审批前仍需让我确认)[\s\S]*$/u, '')
+    .replace(/^(?:类型|申请类型|费用类型|报销类型|发生时间|业务发生时间|申请时间|时间|地点|业务地点|发生地点|天数|出差天数|申请天数|出行方式|交通方式|交通工具|用户预估费用|预估费用|预计总费用|预计费用|预计金额|申请金额|预算|金额)\s*[:：]\s*/u, '')
    .replace(/20\d{2}[-/.年]\d{1,2}[-/.月]\d{1,2}日?/gu, '')
    .replace(/(?:出差|申请)?(?:\d+|[一二两三四五六七八九十]{1,3})\s*天/gu, '')
    .replace(/(?:¥|￥)?\s*\d+(?:\.\d+)?\s*(?:元|块|万元|人民币)?/gu, '')
@@ -281,6 +289,7 @@ function cleanupApplicationReasonCandidate(value, location = '') {
  }

  if (!text) return ''
+  if (isInvalidApplicationReason(text)) return ''
  if (/^20\d{2}[-/.年]\d{1,2}[-/.月]\d{1,2}日?$/.test(text)) return ''
  if (/^(?:\d+|[一二两三四五六七八九十]{1,3})\s*天$/.test(text)) return ''
  if (/^[\u4e00-\u9fa5]{1,8}$/.test(text) && !/服务|支撑|支持|部署|实施|验收|拜访|对接|沟通|培训|会议|采购|安装|维护|上线|调试|项目/.test(text)) {
@@ -303,22 +312,44 @@ export function resolveApplicationReason(prompt, ontology = null) {
  const reasonEntity = resolveEntity(ontology, 'reason') || resolveEntity(ontology, 'business_reason')
  const entityReason = String(reasonEntity?.normalized_value || reasonEntity?.value || '').trim()
  if (entityReason) {
-    return cleanupApplicationReasonCandidate(entityReason, location) || entityReason
+    const cleanedEntityReason = cleanupApplicationReasonCandidate(entityReason, location)
+    if (cleanedEntityReason && !isInvalidApplicationReason(cleanedEntityReason)) {
+      return cleanedEntityReason
+    }
  }

  const labeled = resolvePromptField(prompt, ['事由', '申请事由', '出差事由', '原因', '用途'])
  if (labeled) {
-    return cleanupApplicationReasonCandidate(labeled, location) || labeled
+    const cleanedLabeledReason = cleanupApplicationReasonCandidate(labeled, location)
+    if (cleanedLabeledReason && !isInvalidApplicationReason(cleanedLabeledReason)) {
+      return cleanedLabeledReason
+    }
  }

  const candidates = String(prompt || '')
    .split(/[\n，。；;]+/u)
    .map((item) => cleanupApplicationReasonCandidate(item, location))
-    .filter(Boolean)
+    .filter((item) => item && !isSystemGeneratedApplicationReason(item) && !isInvalidApplicationReason(item))
  const businessCandidate = candidates.find((item) => /服务|支撑|支持|部署|实施|验收|拜访|对接|沟通|培训|会议|采购|安装|维护|上线|调试|项目/.test(item))
  return businessCandidate || candidates.sort((left, right) => right.length - left.length)[0] || ''
 }

+function isInvalidApplicationReason(value = '') {
+  const compact = String(value || '').replace(/\s+/g, '')
+  if (!compact) return true
+  if (/^(?:类型|申请类型|费用类型|报销类型)[:：]?/.test(compact)) return true
+  if (/^(?:差旅费用申请|交通费用申请|住宿费用申请|费用申请|差旅费|交通费|住宿费)$/.test(compact)) return true
+  return false
+}
+
+function isSystemGeneratedApplicationReason(value = '') {
+  const compact = String(value || '').replace(/\s+/g, '')
+  return compact.startsWith('小财管家继续执行')
+    || compact.startsWith('处理要求')
+    || compact.startsWith('已识别信息')
+    || compact.startsWith('用户已补充')
+}
+
 function resolveApplicationTransportMode(ontology, prompt) {
  const transportEntity = resolveEntity(ontology, 'transport_mode')
    || resolveEntity(ontology, 'transport')
@@ -383,6 +414,13 @@ export function buildApplicationFieldsFromOntology(ontology, prompt, currentUser
  const reason = resolveApplicationReason(prompt, ontology) || '待补充'
  const days = resolvePromptDays(prompt)
  const transportMode = resolveApplicationTransportMode(ontology, prompt)
+  const transportEstimatedAmount = resolveApplicationTypedAmount(ontology, 'transport_estimated_amount')
+  const trainEstimatedAmount = resolveApplicationTypedAmount(ontology, 'train_estimated_amount')
+  const flightEstimatedAmount = resolveApplicationTypedAmount(ontology, 'flight_estimated_amount')
+  const hotelAmount = resolveApplicationTypedAmount(ontology, 'hotel_amount')
+  const allowanceAmount = resolveApplicationTypedAmount(ontology, 'allowance_amount')
+  const policyTotalAmount = resolveApplicationTypedAmount(ontology, 'policy_total_amount')
+  const reimbursementAmount = resolveApplicationTypedAmount(ontology, 'reimbursement_amount')

  const fields = {
    documentType: documentTypeEntity?.normalized_value || 'expense_application',
@@ -393,6 +431,13 @@ export function buildApplicationFieldsFromOntology(ontology, prompt, currentUser
    expenseTypeLabel: resolveExpenseTypeLabel(expenseTypeCode),
    amount: amount.value,
    amountDisplay: amount.value ? `¥${amount.value.toLocaleString('zh-CN')}` : '待补充',
+    transportEstimatedAmount,
+    trainEstimatedAmount,
+    flightEstimatedAmount,
+    hotelAmount,
+    allowanceAmount,
+    policyTotalAmount,
+    reimbursementAmount,
    timeRange,
    location,
    reason,
--- a/web/src/utils/expenseApplicationPreview.js
+++ b/web/src/utils/expenseApplicationPreview.js
@@ -1,14 +1,13 @@
 import { buildApplicationFieldsFromOntology } from './expenseApplicationOntology.js'
+import { evaluateLocalApplicationIntentGate } from './expenseApplicationIntentGate.js'
 import {
  buildMockApplicationTransportEstimate,
+  formatApplicationEstimateMoney,
+  parseApplicationEstimateMoney,
  buildSystemApplicationEstimate
 } from './expenseApplicationEstimate.js'
 import { getTodayDateValue } from './workbenchComposerDate.js'

-const APPLICATION_SESSION_TYPE = 'application'
-const APPLICATION_CREATE_PATTERN = /申请|事前|前置|预算|出差|差旅|采购|会务|会议|培训|办公用品|交通|住宿/
-const APPLICATION_QUERY_PATTERN = /查询|状态|进度|列表|有哪些|材料清单|需要哪些|制度|标准|规则|怎么规定/
-
 export const APPLICATION_PREVIEW_FIELD_DEFINITIONS = [
  { key: 'applicationType', label: '申请类型' },
  { key: 'applicant', label: '姓名', editable: false, required: false },
@@ -111,6 +110,29 @@ function buildEndDateFromDays(startText, daysText = '') {
  return formatIsoDate(end)
 }

+function buildDateFromMonthDay(year, month, day) {
+  const normalized = `${year}-${String(month).padStart(2, '0')}-${String(day).padStart(2, '0')}`
+  return parseIsoDate(normalized) ? normalized : ''
+}
+
+function resolveShortMonthDayRange(text, options = {}) {
+  const match = String(text || '').match(
+    /(?<startMonth>\d{1,2})月(?<startDay>\d{1,2})日?\s*(?:至|到|~|—|–|--|-)\s*(?:(?<endMonth>\d{1,2})月)?(?<endDay>\d{1,2})日/u
+  )
+  if (!match?.groups) return ''
+
+  const referenceYear = Number(resolvePreviewToday(options).slice(0, 4))
+  const startMonth = Number(match.groups.startMonth)
+  const startDay = Number(match.groups.startDay)
+  const endMonth = Number(match.groups.endMonth || match.groups.startMonth)
+  const endDay = Number(match.groups.endDay)
+  const startDate = buildDateFromMonthDay(referenceYear, startMonth, startDay)
+  const endYear = endMonth < startMonth ? referenceYear + 1 : referenceYear
+  const endDate = buildDateFromMonthDay(endYear, endMonth, endDay)
+  if (!startDate || !endDate) return ''
+  return startDate === endDate ? startDate : `${startDate} 至 ${endDate}`
+}
+
 function resolveDaysFromDateRange(rangeText) {
  const match = String(rangeText || '').match(/(20\d{2}[-/.]\d{1,2}[-/.]\d{1,2})\s*至\s*(20\d{2}[-/.]\d{1,2}[-/.]\d{1,2})/)
  if (!match) return ''
@@ -125,6 +147,80 @@ export function resolveApplicationDaysFromDateRange(rangeText) {
  return resolveDaysFromDateRange(rangeText)
 }

+function resolveApplicationValidationIssues(fields = {}) {
+  const issues = []
+  const rangeDaysText = resolveDaysFromDateRange(fields.time)
+  const rangeDays = parseApplicationDaysValue(rangeDaysText)
+  const explicitDays = parseApplicationDaysValue(fields.days)
+  if (rangeDays && explicitDays && rangeDays !== explicitDays) {
+    issues.push({
+      code: 'time_days_conflict',
+      field: 'days',
+      message: `申请时间 ${fields.time} 按自然日为 ${rangeDays} 天，但填写的是 ${explicitDays} 天。`
+    })
+  }
+  return issues
+}
+
+function shouldTrustModelApplicationFields(preview = {}) {
+  const status = String(preview?.modelReviewStatus || '').trim()
+  const strategy = String(preview?.parseStrategy || preview?.parse_strategy || '').trim()
+  return Boolean(preview?.modelRefined)
+    || status === 'completed'
+    || strategy === 'llm_primary'
+}
+
+function resolveApplicationSourceValidationIssues(sourceText = '', fields = {}, preview = {}) {
+  if (shouldTrustModelApplicationFields(preview)) {
+    return []
+  }
+
+  const issues = []
+  const locationCandidates = extractApplicationLocationCandidates(sourceText)
+  if (locationCandidates.length > 1) {
+    issues.push({
+      code: 'location_candidates_conflict',
+      field: 'location',
+      message: `当前输入里同时出现多个地点：${locationCandidates.join('、')}。请确认本次申请地点。`
+    })
+  }
+
+  const transportCandidates = extractApplicationTransportCandidates(sourceText)
+  if (transportCandidates.length > 1) {
+    issues.push({
+      code: 'transport_candidates_conflict',
+      field: 'transportMode',
+      message: `当前输入里同时出现多个出行方式：${transportCandidates.join('、')}。请确认本次申请使用哪一种。`
+    })
+  }
+
+  const amountCandidates = extractApplicationAmountCandidates(sourceText)
+  if (amountCandidates.length > 1) {
+    issues.push({
+      code: 'amount_candidates_conflict',
+      field: 'amount',
+      message: `当前输入里同时出现多个金额：${amountCandidates.join('、')}。请确认本次申请金额。`
+    })
+  }
+  return issues
+}
+
+export function shouldRequireApplicationModelReview(rawText = '') {
+  const text = String(rawText || '').trim()
+  const compact = compactText(text)
+  if (!compact) return false
+
+  const hasDateRange = /(?:20\d{2}[-/.年]\d{1,2}[-/.月]\d{1,2}|(?:\d{1,2}月)?\d{1,2}日?)\s*(?:至|到|~|—|–|--|-)\s*(?:20\d{2}[-/.年]\d{1,2}[-/.月]\d{1,2}|\d{1,2}月?\d{1,2}日?)/u.test(text)
+  const hasTravelIntent = /差旅|出差|去|到|赴|前往/.test(compact)
+  const hasTransport = /高铁|动车|火车|铁路|飞机|机票|航班|轮船|船票|客轮|渡轮/.test(compact)
+  const hasBusinessPurpose = /服务|支撑|支持|辅助|部署|实施|验收|拜访|对接|沟通|培训|会议|采购|安装|维护|上线|调试|项目/.test(compact)
+  const hasInlinePurpose = hasBusinessPurpose && !/(?:事由|申请事由|出差事由|原因|用途)\s*[:：]/.test(text)
+  const hasMultipleClauses = /[，,。；;\n]/.test(text) || compact.length >= 24
+  const signalCount = [hasDateRange, hasTravelIntent, hasTransport, hasBusinessPurpose].filter(Boolean).length
+
+  return (hasInlinePurpose && signalCount >= 2) || (hasMultipleClauses && signalCount >= 3)
+}
+
 export function resolveApplicationDateRange(rangeText, daysText = '') {
  const matchedDates = String(rangeText || '').match(/20\d{2}[-/.]\d{1,2}[-/.]\d{1,2}/g) || []
  const startDate = normalizeDateText(matchedDates[0] || '')
@@ -179,14 +275,106 @@ function resolveApplicationType(text) {
 function resolveApplicationAmount(text) {
  const compact = compactText(text)
  const labeled = resolveFirstMatch(text, [
-    /(?:用户预估费用|预估费用|申请金额|预计金额|预计费用|预计总费用|预算|金额|费用)\s*[:：]?\s*(?<value>\d+(?:\.\d+)?)\s*(?:元|块|人民币)?/u,
-    /(?<value>\d+(?:\.\d+)?)\s*(?:元|块|人民币)/u
+    /(?:用户预估费用|预估费用|申请金额|预计金额|预计费用|预计总费用|预算|金额|费用)\s*[:：]?\s*(?<value>\d+(?:\.\d+)?\s*(?:万|千|k|K)?)/u,
+    /(?<value>\d+(?:\.\d+)?\s*(?:(?:万|千|k|K)\s*(?:元|块|人民币)?|(?:元|块|人民币)))/u
  ])
-  if (labeled) return `${labeled}元`
+  const normalized = normalizeApplicationAmountText(labeled)
+  if (normalized) return normalized
  if (/不知道预算|预算不清楚|预算待定|待测算/.test(compact)) return '待测算'
  return ''
 }

+function normalizeApplicationAmountText(value) {
+  const text = String(value || '').replace(/[,，]/g, '').trim()
+  const match = text.match(/(?<number>\d+(?:\.\d+)?)\s*(?<unit>万|千|k|K)?/u)
+  if (!match?.groups) return ''
+  let amount = Number(match.groups.number)
+  if (!Number.isFinite(amount) || amount <= 0) return ''
+  const unit = String(match.groups.unit || '').toLowerCase()
+  if (unit === '万') amount *= 10000
+  if (unit === '千' || unit === 'k') amount *= 1000
+  return `${Number.isInteger(amount) ? amount : Number(amount.toFixed(2))}元`
+}
+
+function extractApplicationLocationCandidates(text) {
+  const candidates = []
+  const labeled = resolveFirstMatch(text, [
+    /(?:地点|业务地点|发生地点|目的地)\s*[:：]\s*(?<value>[^。；;\n，,]+)/u
+  ])
+  if (labeled) candidates.push(normalizeLocationCandidate(labeled))
+
+  const compact = compactText(text)
+  const patterns = [
+    /(?:去|到|赴|前往)(?<value>[\u4e00-\u9fa5]{1,24})/gu,
+    /(?<value>[\u4e00-\u9fa5]{1,12})(?:出差|驻场)/gu
+  ]
+  for (const pattern of patterns) {
+    for (const match of compact.matchAll(pattern)) {
+      candidates.push(normalizeLocationCandidate(match.groups?.value || ''))
+    }
+  }
+  return uniqueApplicationCandidates(candidates)
+    .filter((item) => !isInvalidApplicationLocationCandidate(item))
+}
+
+function normalizeLocationCandidate(value) {
+  let cleaned = String(value || '').replace(/\s+/g, '')
+  for (const marker of ['前往', '去', '到', '赴']) {
+    if (cleaned.includes(marker)) {
+      cleaned = cleaned.slice(cleaned.lastIndexOf(marker) + marker.length)
+      break
+    }
+  }
+  cleaned = cleaned
+    .replace(/^(?:去|到|赴|前往)/u, '')
+    .replace(/(?:出差|驻场|现场|支撑|支持|部署|上线|实施|拜访|验收|会议|采购|培训|协助|处理|办理|参加|进行).*$/u, '')
+    .replace(/[：:，,。；;、\s]/g, '')
+  return cleaned.replace(/^(北京|上海|天津|重庆)市$/u, '$1')
+}
+
+function isInvalidApplicationLocationCandidate(value) {
+  const compact = compactText(value)
+  if (!compact) return true
+  if (/^(?:类型|申请类型|费用类型|报销类型)$/.test(compact)) return true
+  if (/^(?:费用申请|差旅费用申请|交通费用申请|住宿费用申请|会务费用申请|采购费用申请|培训费用申请|报销申请|申请)$/.test(compact)) return true
+  if (/(?:类型|申请类型|费用类型|报销类型)/.test(compact)) return true
+  if (/(?:交通方式|出行方式|交通工具|预算|金额|费用|票据|附件|天数|时间|事由|原因|用途)/.test(compact)) return true
+  return false
+}
+
+function extractApplicationTransportCandidates(text) {
+  const compact = compactText(text)
+  return uniqueApplicationCandidates([
+    resolveApplicationTransportMode(resolveFirstMatch(text, [
+      /(?:出行方式|交通方式|交通工具|出行工具)\s*[:：]\s*(?<value>[^。；;\n，,]+)/u
+    ])),
+    /高铁|动车|火车|铁路/.test(compact) ? '火车' : '',
+    /飞机|机票|航班/.test(compact) ? '飞机' : '',
+    /轮船|船票|客轮|渡轮|邮轮/.test(compact) ? '轮船' : ''
+  ])
+}
+
+function extractApplicationAmountCandidates(text) {
+  const candidates = []
+  const source = String(text || '')
+  const labelPattern = /(?:用户预估费用|预估费用|申请金额|预计金额|预计费用|预计总费用|预算|金额|费用)\s*[:：]?\s*(?<value>\d+(?:\.\d+)?\s*(?:万|千|k|K)?\s*(?:元|块|人民币)?)/gu
+  for (const match of source.matchAll(labelPattern)) {
+    candidates.push(normalizeApplicationAmountText(match.groups?.value || ''))
+  }
+  const amountPattern = /(?<value>\d+(?:\.\d+)?\s*(?:(?:万|千|k|K)\s*(?:元|块|人民币)?|(?:元|块|人民币)))/gu
+  for (const match of source.matchAll(amountPattern)) {
+    candidates.push(normalizeApplicationAmountText(match.groups?.value || ''))
+  }
+  return uniqueApplicationCandidates(candidates)
+}
+
+function uniqueApplicationCandidates(values) {
+  return values
+    .map((item) => String(item || '').trim())
+    .filter(Boolean)
+    .filter((item, index, list) => list.indexOf(item) === index)
+}
+
 function resolveCurrentUserGrade(currentUser = {}) {
  return String(
    currentUser.grade
@@ -282,12 +470,45 @@ function formatDailyPolicyMoney(value) {

 function buildTransportPolicyText(transportMode, location = '', transportEstimate = null, time = '') {
  const mode = String(transportMode || '').trim()
-  if (!mode) return APPLICATION_TRANSPORT_REIMBURSEMENT_TEXT
  const estimate = transportEstimate || buildMockApplicationTransportEstimate({ transportMode: mode, location, time })
  if (!estimate) return APPLICATION_TRANSPORT_REIMBURSEMENT_TEXT
  return estimate.basisText
 }

+function buildTransportEstimateFromPolicyResult(result = {}, fields = {}) {
+  const amount = parseMoneyNumber(result?.transport_estimated_amount)
+  if (!amount || amount <= 0) return null
+  const amountDisplay = formatPolicyMoney(amount)
+  const mode = String(result?.transport_mode || fields.transportMode || '').trim()
+  const origin = String(result?.transport_origin || '').trim()
+  const destination = String(result?.transport_destination || result?.matched_city || fields.location || '').trim()
+  const basis = String(result?.transport_estimate_basis || '').trim()
+  const ruleName = String(result?.transport_estimate_rule_name || '交通费用预估表').trim()
+  const routeText = [origin, destination].filter(Boolean).join('-')
+  const modeText = mode ? `${mode}往返` : '往返'
+  const routeModeText = routeText ? `${routeText}${modeText}` : modeText
+  const displayBasis = routeModeText && basis.startsWith(routeModeText)
+    ? basis.slice(routeModeText.length).trim()
+    : basis
+  const basisSuffix = displayBasis ? `（${displayBasis}）` : ''
+  return {
+    mode,
+    amount,
+    amountDisplay,
+    routeType: '往返',
+    origin,
+    destination,
+    queryDate: String(result?.travel_date || '').trim(),
+    source: String(result?.transport_estimate_source || 'basic_rule_transport_estimate').trim(),
+    confidence: String(result?.transport_estimate_confidence || 'basic_rule').trim(),
+    basis,
+    ruleCode: String(result?.transport_estimate_rule_code || '').trim(),
+    ruleName,
+    ruleVersion: String(result?.transport_estimate_rule_version || '').trim(),
+    basisText: `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《${ruleName}》${routeModeText}${basisSuffix}暂估 ${amountDisplay}元用于申请阶段预算占用，最终报销以实际票据金额为准`
+  }
+}
+
 function ensureApplicationPolicyFields(fields = {}) {
  const nextFields = { ...fields }
  if (!String(nextFields.lodgingDailyCap || '').trim()) {
@@ -321,6 +542,11 @@ function resolveApplicationTime(text, daysText = '', options = {}) {
    return `${normalizeDateText(range[1])} 至 ${normalizeDateText(range[2])}`
  }

+  const shortMonthDayRange = resolveShortMonthDayRange(text, options)
+  if (shortMonthDayRange) {
+    return shortMonthDayRange
+  }
+
  const single = resolveFirstMatch(text, [
    /(?:发生时间|业务发生时间|申请时间|时间)\s*[:：]\s*(?<value>20\d{2}[-/.]\d{1,2}[-/.]\d{1,2})/u,
    /(?<value>20\d{2}[-/.]\d{1,2}[-/.]\d{1,2})/u
@@ -332,7 +558,7 @@ function resolveApplicationTime(text, daysText = '', options = {}) {
 }

 function resolveApplicationTimeWithDefault(text, daysText = '', options = {}) {
-  const resolvedTime = resolveApplicationTime(text, daysText)
+  const resolvedTime = resolveApplicationTime(text, daysText, options)
  if (resolvedTime || !parseApplicationDaysValue(daysText)) {
    return resolvedTime
  }
@@ -349,7 +575,39 @@ function resolveApplicationLocation(text) {
  ])
 }

+function looksLikeTransportPromptText(text) {
+  const compact = compactText(text)
+  return /(?:还需要补充|当前还缺|缺少|请先补充|请选择|可以选择|可以选|打算怎么出行|怎么出行).{0,24}(?:出行方式|交通方式|交通工具)/u.test(compact)
+    || /(?:出行方式|交通方式|交通工具).{0,24}(?:待补充|缺失|请选择|可以选择|可以选)/u.test(compact)
+}
+
 function resolveApplicationTransportMode(text) {
+  const labeled = resolveFirstMatch(text, [
+    /(?:出行方式|交通方式|交通工具|出行工具)\s*[:：]\s*(?<value>[^。；;\n，,]+)/u
+  ])
+  const labeledMode = normalizeTransportModeOption(labeled, '')
+  if (labeledMode && !looksLikeTransportPromptText(labeled) && !/(?:请选择|可以选择|可以选)/u.test(String(labeled || ''))) {
+    return labeledMode
+  }
+  const fullTextLooksLikePrompt = looksLikeTransportPromptText(text)
+  const segments = String(text || '')
+    .split(/[\n，,。；;]+/u)
+    .map((item) => item.trim())
+    .filter(Boolean)
+  for (const segment of segments) {
+    if (looksLikeTransportPromptText(segment)) continue
+    const compactSegment = compactText(segment)
+    if (
+      fullTextLooksLikePrompt
+      && !/(?:申请|出差|去|到|赴|前往|服务|支撑|支持|部署|上线|实施|拜访|会议)/u.test(compactSegment)
+    ) {
+      continue
+    }
+    if (/高铁|动车|火车|铁路/.test(compactSegment)) return '火车'
+    if (/飞机|机票|航班/.test(compactSegment)) return '飞机'
+    if (/轮船|船票|客轮|渡轮/.test(compactSegment)) return '轮船'
+  }
+  if (fullTextLooksLikePrompt) return ''
  const compact = compactText(text)
  if (/高铁|动车|火车|铁路/.test(compact)) return '火车'
  if (/飞机|机票|航班/.test(compact)) return '飞机'
@@ -360,6 +618,7 @@ function resolveApplicationTransportMode(text) {
 function stripKnownContextFromReason(value, context = {}) {
  const location = String(context.location || '').trim()
  let cleaned = String(value || '')
+    .replace(/(?:请直接生成申请单核对结果|信息足够时生成申请单|但在入库或提交审批前仍需让我确认|请直接生成报销核对结果|需要创建草稿、绑定附件或提交审批前仍需让我确认)[\s\S]*$/u, '')
    .replace(/(?:发生时间|业务发生时间|申请时间|时间)\s*[:：]\s*(?=[，,、。；;\s]|$)/gu, '')
    .replace(/(?:地点|业务地点|发生地点|目的地)\s*[:：]\s*(?=[，,、。；;\s]|$)/gu, '')
    .replace(/20\d{2}[-/.]\d{1,2}[-/.]\d{1,2}\s*(?:至|到|~|—|–|--)\s*20\d{2}[-/.]\d{1,2}[-/.]\d{1,2}/gu, '')
@@ -387,10 +646,20 @@ function pickBusinessReasonSegment(text) {
  const segments = String(text || '')
    .split(/[，,、。；;\n]+/u)
    .map((item) => item.trim())
-    .filter(Boolean)
+    .filter((item) => item && !isSystemGeneratedReasonText(item))
  return segments.find((item) => /服务|支撑|支持|部署|实施|验收|拜访|对接|沟通|培训|会议|采购|安装|维护|上线|调试|项目/.test(item)) || ''
 }

+function isSystemGeneratedReasonText(value = '') {
+  const compact = compactText(value)
+  return compact.startsWith('小财管家继续执行')
+    || /请直接生成申请单核对结果|信息足够时生成申请单|入库或提交审批前|请直接生成报销核对结果/.test(compact)
+    || compact.startsWith('处理要求')
+    || compact.startsWith('已识别信息')
+    || compact.startsWith('用户已补充')
+    || /^(?:类型|申请类型|费用类型|报销类型)[:：]?(?:差旅费用申请|交通费用申请|住宿费用申请|费用申请|差旅费|交通费|住宿费)?$/.test(compact)
+}
+
 function resolveApplicationReason(text, context = {}) {
  const labeled = resolveFirstMatch(text, [
    /(?:事由|申请事由|出差事由|原因|用途)\s*[:：]\s*(?<value>[^，。；;\n]+)/u
@@ -401,6 +670,7 @@ function resolveApplicationReason(text, context = {}) {
  const withoutContext = stripKnownContextFromReason(cleaned, context)
  const businessSegment = pickBusinessReasonSegment(withoutContext)
  if (businessSegment) return stripKnownContextFromReason(businessSegment, context)
+  if (isSystemGeneratedReasonText(withoutContext)) return ''
  return withoutContext
 }

@@ -447,7 +717,7 @@ function resolveModelRefinedTransportMode(ontologyFields = {}, rawText = '', cur
 }

 function normalizeAmountFromOntology(fields = {}, fallback = '') {
-  const numericAmount = Number(fields.amount || 0)
+  const numericAmount = Number(fields.amount || fields.policyTotalAmount || fields.reimbursementAmount || 0)
  if (Number.isFinite(numericAmount) && numericAmount > 0) {
    return `${numericAmount}元`
  }
@@ -461,6 +731,14 @@ function normalizeAmountFromOntology(fields = {}, fallback = '') {
  return fallback
 }

+function normalizeTypedOntologyAmount(value, fallback = '') {
+  const amount = Number(value || 0)
+  if (Number.isFinite(amount) && amount > 0) {
+    return `${amount}元`
+  }
+  return fallback
+}
+
 function buildMissingFields(fields) {
  return APPLICATION_PREVIEW_FIELD_DEFINITIONS
    .filter((item) => item.key !== 'applicationType' && item.required !== false)
@@ -478,6 +756,14 @@ export function buildApplicationPolicyEstimateRequest(preview = {}, currentUser
  const transportMode = String(fields.transportMode || '').trim()
  const shouldEstimate = /差旅|住宿|交通/.test(applicationType) || Boolean(transportMode)

+  if (/差旅|出差/.test(applicationType) && !transportMode) {
+    return {
+      canCalculate: false,
+      reason: '缺少出行方式',
+      payload: null
+    }
+  }
+
  if (!shouldEstimate || !days || !location) {
    return {
      canCalculate: false,
@@ -492,27 +778,88 @@ export function buildApplicationPolicyEstimateRequest(preview = {}, currentUser
    payload: {
      days,
      location,
-      grade
+      grade,
+      transport_mode: transportMode || null,
+      origin_location: String(
+        currentUser.location
+        || currentUser.officeLocation
+        || currentUser.office_location
+        || currentUser.baseCity
+        || currentUser.base_city
+        || ''
+      ).trim() || null,
+      travel_date: resolveApplicationTripDateParts(fields).startDate || null
    }
  }
 }

 export function applyApplicationPolicyEstimateResult(preview = {}, result = {}, currentUser = {}) {
-  const fields = { ...(preview?.fields || {}) }
-  const days = Number(result?.days) || parseApplicationDaysValue(fields.days) || 1
+  const resultTransportMode = String(result?.transport_mode || '').trim()
+  const fields = {
+    ...(preview?.fields || {}),
+    ...(!String(preview?.fields?.transportMode || '').trim() && resultTransportMode
+      ? { transportMode: resultTransportMode }
+      : {})
+  }
  const hotelRate = formatPolicyMoney(result?.hotel_rate)
  const hotelAmount = formatPolicyMoney(result?.hotel_amount)
  const allowanceRate = formatPolicyMoney(result?.total_allowance_rate)
  const allowanceAmount = formatPolicyMoney(result?.allowance_amount)
  const matchedCity = String(result?.matched_city || fields.location || '').trim()
  const grade = String(result?.grade || fields.grade || resolveCurrentUserGrade(currentUser)).trim()
-  const systemEstimate = buildSystemApplicationEstimate({
+  if (isTravelApplicationType(fields.applicationType) && !String(fields.transportMode || '').trim()) {
+    return normalizeApplicationPreview({
+      ...preview,
+      fields: {
+        ...fields,
+        grade,
+        lodgingDailyCap: formatDailyPolicyMoney(result?.hotel_rate),
+        subsidyDailyCap: formatDailyPolicyMoney(result?.total_allowance_rate),
+        transportPolicy: APPLICATION_TRANSPORT_REIMBURSEMENT_TEXT,
+        policyEstimate: APPLICATION_POLICY_PENDING_TEXT,
+        matchedCity,
+        ruleName: String(result?.rule_name || '').trim(),
+        ruleVersion: String(result?.rule_version || '').trim(),
+        hotelAmount: hotelAmount ? `${hotelAmount}元` : '',
+        allowanceAmount: allowanceAmount ? `${allowanceAmount}元` : '',
+        transportEstimatedAmount: '',
+        transportEstimateDate: '',
+        transportQueryLatencyMs: '',
+        transportEstimateSource: '',
+        transportEstimateConfidence: '',
+        policyTotalAmount: ''
+      },
+      policyEstimateStatus: 'pending'
+    })
+  }
+  const days = Number(result?.days) || parseApplicationDaysValue(fields.days) || 1
+  let systemEstimate = buildSystemApplicationEstimate({
    transportMode: fields.transportMode,
    location: matchedCity || fields.location,
    time: fields.time,
    lodgingAmount: result?.hotel_amount,
    allowanceAmount: result?.allowance_amount
  })
+  const policyTransportEstimate = buildTransportEstimateFromPolicyResult(result, fields)
+  if (policyTransportEstimate) {
+    const lodging = parseApplicationEstimateMoney(result?.hotel_amount)
+    const allowance = parseApplicationEstimateMoney(result?.allowance_amount)
+    const backendTotal = parseApplicationEstimateMoney(result?.total_amount)
+    const totalAmount = backendTotal > 0
+      ? backendTotal
+      : policyTransportEstimate.amount + lodging + allowance
+    systemEstimate = {
+      transportEstimate: policyTransportEstimate,
+      transportAmount: policyTransportEstimate.amount,
+      lodgingAmount: lodging,
+      allowanceAmount: allowance,
+      totalAmount,
+      transportAmountDisplay: policyTransportEstimate.amountDisplay,
+      lodgingAmountDisplay: formatApplicationEstimateMoney(lodging),
+      allowanceAmountDisplay: formatApplicationEstimateMoney(allowance),
+      totalAmountDisplay: formatApplicationEstimateMoney(totalAmount)
+    }
+  }
  const transportEstimate = systemEstimate.transportEstimate
  const transportText = transportEstimate
    ? `交通 ${systemEstimate.transportAmountDisplay}元 + `
@@ -621,22 +968,22 @@ export function applyApplicationPolicyEstimateError(preview = {}, error = null,
 }

 export function shouldUseLocalApplicationPreview(rawText, options = {}) {
-  if (String(options.sessionType || '').trim() !== APPLICATION_SESSION_TYPE) return false
-  if (options.systemGenerated || options.reviewAction || Number(options.attachmentCount || 0) > 0) return false
-
-  const compact = compactText(rawText)
-  if (!compact || APPLICATION_QUERY_PATTERN.test(compact)) return false
-  return APPLICATION_CREATE_PATTERN.test(compact)
+  return evaluateLocalApplicationIntentGate(rawText, options).allowed
 }

 export function normalizeApplicationPreview(preview = {}) {
  const fields = ensureApplicationPolicyFields(preview?.fields || {})
  const missingFields = buildMissingFields(fields)
+  const validationIssues = [
+    ...resolveApplicationValidationIssues(fields),
+    ...resolveApplicationSourceValidationIssues(preview?.sourceText, fields, preview)
+  ]
  return {
    ...preview,
    fields,
    missingFields,
-    readyToSubmit: missingFields.length === 0
+    validationIssues,
+    readyToSubmit: missingFields.length === 0 && validationIssues.length === 0
  }
 }

@@ -688,6 +1035,16 @@ export function buildModelRefinedApplicationPreview(localPreview = {}, ontology
    days: resolveProvidedValue(ontologyFields.days, currentFields.days),
    transportMode: resolveModelRefinedTransportMode(ontologyFields, rawText, currentFields),
    amount: normalizeAmountFromOntology(ontologyFields, currentFields.amount),
+    transportEstimatedAmount: normalizeTypedOntologyAmount(
+      ontologyFields.transportEstimatedAmount || ontologyFields.trainEstimatedAmount || ontologyFields.flightEstimatedAmount,
+      currentFields.transportEstimatedAmount
+    ),
+    trainEstimatedAmount: normalizeTypedOntologyAmount(ontologyFields.trainEstimatedAmount, currentFields.trainEstimatedAmount),
+    flightEstimatedAmount: normalizeTypedOntologyAmount(ontologyFields.flightEstimatedAmount, currentFields.flightEstimatedAmount),
+    hotelAmount: normalizeTypedOntologyAmount(ontologyFields.hotelAmount, currentFields.hotelAmount),
+    allowanceAmount: normalizeTypedOntologyAmount(ontologyFields.allowanceAmount, currentFields.allowanceAmount),
+    policyTotalAmount: normalizeTypedOntologyAmount(ontologyFields.policyTotalAmount, currentFields.policyTotalAmount),
+    reimbursementAmount: normalizeTypedOntologyAmount(ontologyFields.reimbursementAmount, currentFields.reimbursementAmount),
    grade: resolveProvidedValue(currentFields.grade, resolveCurrentUserGrade(currentUser)),
    applicant: resolveProvidedValue(ontologyFields.applicant, currentFields.applicant),
    department: resolveProvidedValue(ontologyFields.department, currentFields.department || resolveCurrentUserDepartment(currentUser)),
@@ -827,6 +1184,10 @@ export function buildLocalApplicationPreviewMessage(preview) {
 export function buildApplicationPreviewFooterMessage(preview) {
  const normalized = normalizeApplicationPreview(preview)
  const missingFields = Array.isArray(normalized.missingFields) ? normalized.missingFields : []
+  const validationIssues = Array.isArray(normalized.validationIssues) ? normalized.validationIssues : []
+  if (validationIssues.length) {
+    return `${validationIssues[0].message} 请先修正后再提交申请。`
+  }
  if (missingFields.length) {
    return `当前还需要补充：${missingFields.join('、')}。补齐后我再帮您提交申请。`
  }
--- a/web/src/views/scripts/TravelReimbursementCreateView.js
+++ b/web/src/views/scripts/TravelReimbursementCreateView.js
--- a/web/src/views/scripts/stewardFieldCompletionModel.js
+++ b/web/src/views/scripts/stewardFieldCompletionModel.js
@@ -125,7 +125,7 @@ export function buildStewardFieldCompletionRawText({
    '已识别信息：',
    ...knownLines,
    '',
-    '处理要求：请先根据已补齐字段模拟查询交通票据和费用口径，完成系统预估金额测算，再生成申请单核对表。',
+    '处理要求：请先根据已补齐字段按基础规则交通费用预估表测算费用口径，完成系统预估金额测算，再生成申请单核对表。',
    '如果仍有缺失信息，继续向用户追问；不要替用户默认填写，也不要跳过小财管家的思考过程。'
  ].filter((line) => line !== '').join('\n')
 }
--- a/web/src/views/scripts/stewardPlanModel.js
+++ b/web/src/views/scripts/stewardPlanModel.js
@@ -508,13 +508,6 @@ function buildStewardCarryText(actionType, task, group, normalized = null) {
    group?.attachmentNames?.length ? `相关附件：${group.attachmentNames.join('、')}` : '',
    group?.excludedAttachmentNames?.length ? `暂不归集附件：${group.excludedAttachmentNames.join('、')}` : '',
    missingFields ? `还需要补充：${missingFields}` : '',
-    actionType === 'confirm_create_application'
-      ? missingFields
-        ? '请先追问上述缺失信息，不要直接生成申请单核对表，也不要替用户默认填写。'
-        : '请直接生成申请单核对结果；信息足够时生成申请单，但在入库或提交审批前仍需让我确认。'
-      : missingFields
-        ? '请先追问上述缺失信息，不要直接生成报销核对结果，也不要替用户默认填写。'
-        : '请直接生成报销核对结果；需要创建草稿、绑定附件或提交审批前仍需让我确认。'
  ]
  const remainingTaskText = normalized ? buildRemainingTaskText(normalized, task.taskId) : ''
  if (remainingTaskText) {
--- a/web/src/views/scripts/stewardTypewriter.js
+++ b/web/src/views/scripts/stewardTypewriter.js
@@ -0,0 +1,103 @@
+export const STEWARD_TYPEWRITER_TEXT_CHUNK_SIZE = 3
+export const STEWARD_TYPEWRITER_STRUCTURED_CHUNK_SIZE = 2
+
+export function resolveStewardTypewriterNextIndex(chars = [], index = 0) {
+  const total = chars.length
+  const safeIndex = Math.max(0, Math.min(Number(index) || 0, total))
+  const tableStart = resolveMarkdownTableStart(chars, safeIndex)
+  if (tableStart >= 0) {
+    return resolveMarkdownTableBlockEnd(chars, tableStart)
+  }
+
+  const chunkSize = resolveStewardTypewriterChunkSize(chars, safeIndex)
+  const nextIndex = Math.min(total, safeIndex + chunkSize)
+  const crossedTableStart = findMarkdownTableLineStart(chars, safeIndex, nextIndex)
+  return crossedTableStart >= 0 ? crossedTableStart : nextIndex
+}
+
+function resolveStewardTypewriterChunkSize(chars = [], index = 0) {
+  const line = resolveCurrentTypewriterLine(chars, index)
+  const trimmed = line.trim()
+  if (!trimmed) return STEWARD_TYPEWRITER_STRUCTURED_CHUNK_SIZE
+  if (/^(#{1,6}\s+|[-*]\s+|\d+\.\s+)/.test(trimmed)) {
+    return STEWARD_TYPEWRITER_STRUCTURED_CHUNK_SIZE
+  }
+  return STEWARD_TYPEWRITER_TEXT_CHUNK_SIZE
+}
+
+function resolveCurrentTypewriterLine(chars = [], index = 0) {
+  const safeIndex = Math.max(0, Math.min(Number(index) || 0, chars.length))
+  let start = safeIndex
+  while (start > 0 && chars[start - 1] !== '\n') {
+    start -= 1
+  }
+  let end = safeIndex
+  while (end < chars.length && chars[end] !== '\n') {
+    end += 1
+  }
+  return chars.slice(start, end).join('')
+}
+
+function resolveMarkdownTableStart(chars = [], index = 0) {
+  const currentLineStart = resolveCurrentLineStart(chars, index)
+  if (isMarkdownTableLine(resolveLine(chars, currentLineStart).trim())) {
+    return currentLineStart
+  }
+
+  if (chars[index] === '\n') {
+    const nextLineStart = index + 1
+    if (isMarkdownTableLine(resolveLine(chars, nextLineStart).trim())) {
+      return nextLineStart
+    }
+  }
+  return -1
+}
+
+function resolveMarkdownTableBlockEnd(chars = [], tableStart = 0) {
+  let cursor = tableStart
+  let blockEnd = tableStart
+  while (cursor < chars.length) {
+    const line = resolveLine(chars, cursor)
+    if (!isMarkdownTableLine(line.trim())) {
+      break
+    }
+    const lineEnd = cursor + line.length
+    blockEnd = chars[lineEnd] === '\n' ? lineEnd + 1 : lineEnd
+    cursor = blockEnd
+  }
+  return blockEnd
+}
+
+function findMarkdownTableLineStart(chars = [], start = 0, end = 0) {
+  const safeStart = Math.max(0, start)
+  const safeEnd = Math.min(chars.length, Math.max(safeStart, end))
+  for (let index = safeStart; index < safeEnd; index += 1) {
+    if (index !== 0 && chars[index - 1] !== '\n') continue
+    if (isMarkdownTableLine(resolveLine(chars, index).trim())) {
+      return index
+    }
+  }
+  return -1
+}
+
+function resolveCurrentLineStart(chars = [], index = 0) {
+  let start = Math.max(0, Math.min(Number(index) || 0, chars.length))
+  while (start > 0 && chars[start - 1] !== '\n') {
+    start -= 1
+  }
+  return start
+}
+
+function resolveLine(chars = [], start = 0) {
+  let end = Math.max(0, Math.min(Number(start) || 0, chars.length))
+  while (end < chars.length && chars[end] !== '\n') {
+    end += 1
+  }
+  return chars.slice(start, end).join('')
+}
+
+function isMarkdownTableLine(line = '') {
+  if (!line.includes('|')) return false
+  if (/^\|?[\s:|-]+\|[\s:|-]+/.test(line)) return true
+  return /^\|.+\|$/.test(line) || line.split('|').length >= 3
+}
--- a/web/src/views/scripts/travelReimbursementReviewPanelModel.js
+++ b/web/src/views/scripts/travelReimbursementReviewPanelModel.js
@@ -0,0 +1,322 @@
+import {
+  DATE_INPUT_FORMAT,
+  buildBusinessTimeContextFromReviewValues as buildBusinessTimeContextFromReviewValuesModel,
+  buildReviewFormContextFromPayload as buildReviewFormContextFromPayloadModel,
+  cloneReviewEditFields,
+  createEmptyInlineReviewState,
+  formatAmountDisplay,
+  formatReviewSceneDisplayValue,
+  isTravelReviewPayload as isTravelReviewPayloadModel,
+  normalizeReviewRiskLevel,
+  buildReviewAttachmentStatus,
+  resolveReviewTravelTransportType as resolveReviewTravelTransportTypeModel,
+  shouldShowReviewFactCard
+} from './travelReimbursementReviewModel.js'
+
+const REVIEW_PANEL_SCOPE_OVERVIEW = 'overview'
+const REVIEW_PANEL_SCOPE_DOCUMENTS = 'documents'
+const REVIEW_PANEL_SCOPE_RISK = 'risk'
+const DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS = ['历史报销画像', '用户画像', '制度注意事项', '制度注意']
+
+const REVIEW_RISK_LEVEL_META = {
+  high: {
+    label: '高风险',
+    icon: 'mdi mdi-alert-octagon-outline',
+    suggestion: '建议先处理该项，再提交审批；如果属于合理业务场景，请补充说明或附件。'
+  },
+  medium: {
+    label: '中风险',
+    icon: 'mdi mdi-alert-circle-outline',
+    suggestion: '提交前建议核对业务真实性、附件完整性和规则口径。'
+  },
+  info: {
+    label: '提示',
+    icon: 'mdi mdi-information-outline',
+    suggestion: '该项主要用于辅助判断，可结合当前单据情况简单核对。'
+  },
+  low: {
+    label: '低风险',
+    icon: 'mdi mdi-information-outline',
+    suggestion: '该项主要用于辅助判断，可结合当前单据情况简单核对。'
+  }
+}
+
+const REVIEW_PENDING_SUMMARY_PATTERN = /(^|\n)\s*(?:当前还有|我这边看到还有|下方还有|这笔报销还有|目前还有|还有|这次识别结果里还有|我还需要你确认|当前信息还差|本次报销还有)\s+[^\n]*(?:信息待补充|风险提醒|细节还需要进一步确认)[^\n]*(?:草稿)[^\n]*。\s*/g
+
+export function normalizeReviewPanelScope(scope) {
+  const normalized = String(scope || '').trim()
+  return [REVIEW_PANEL_SCOPE_OVERVIEW, REVIEW_PANEL_SCOPE_DOCUMENTS, REVIEW_PANEL_SCOPE_RISK].includes(normalized)
+    ? normalized
+    : ''
+}
+
+export function canExposeReviewPanelScope(scope) {
+  return Boolean(normalizeReviewPanelScope(scope))
+}
+
+export function buildBusinessTimeContextFromReviewValues(values = {}) {
+  return buildBusinessTimeContextFromReviewValuesModel(values)
+}
+
+export function buildReviewFormContextFromPayload(reviewPayload, inlineState = null) {
+  return buildReviewFormContextFromPayloadModel(reviewPayload, inlineState)
+}
+
+export function buildReviewCorrectionMessage(fields) {
+  const lines = ['请按以下核对后的报销信息更新当前识别结果：']
+  for (const item of cloneReviewEditFields(fields)) {
+    if (!item.label || (!item.value && !item.required)) {
+      continue
+    }
+    lines.push(`${item.label}：${String(item.value || '').trim() || '待补充'}`)
+  }
+  return lines.join('\n')
+}
+
+export function isTravelReviewPayload(reviewPayload, inlineState = createEmptyInlineReviewState()) {
+  return isTravelReviewPayloadModel(reviewPayload, inlineState)
+}
+
+export function resolveReviewTravelTransportType(reviewPayload, fallbackText = '') {
+  return resolveReviewTravelTransportTypeModel(reviewPayload, fallbackText)
+}
+
+export function resolveReviewRiskBriefs(reviewPayload) {
+  if (!Array.isArray(reviewPayload?.risk_briefs)) return []
+  return reviewPayload.risk_briefs.filter((item) => {
+    const title = String(item?.title || '').trim()
+    return !DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS.some((keyword) => title.includes(keyword))
+  })
+}
+
+export function buildReviewFactCards(reviewPayload, inlineState = createEmptyInlineReviewState()) {
+  const pendingAttachmentCount = Math.max(0, Number(inlineState.pending_attachment_count || 0))
+  const totalAttachmentCount = Math.max(0, Number(inlineState.attachment_count || 0))
+  const existingAttachmentCount = Math.max(0, totalAttachmentCount - pendingAttachmentCount)
+  const attachmentStatus =
+    pendingAttachmentCount > 0
+      ? existingAttachmentCount > 0
+        ? `已上传 ${existingAttachmentCount} 份，待新增 ${pendingAttachmentCount} 份`
+        : `待保存 ${pendingAttachmentCount} 份`
+      : totalAttachmentCount > 0
+        ? `已上传 ${totalAttachmentCount} 份`
+        : buildReviewAttachmentStatus(reviewPayload)
+
+  if (isTravelReviewPayload(reviewPayload, inlineState)) {
+    return [
+      {
+        key: 'occurred_date',
+        label: '发生时间',
+        value: String(inlineState.occurred_date || '').trim() || '待补充',
+        icon: 'mdi mdi-calendar-month-outline',
+        editor: 'date',
+        modelKey: 'occurred_date',
+        placeholder: `例如 ${DATE_INPUT_FORMAT}`
+      },
+      {
+        key: 'amount',
+        label: '金额',
+        value: formatAmountDisplay(inlineState.amount) || '待补充',
+        icon: 'mdi mdi-cash',
+        editor: 'amount',
+        modelKey: 'amount',
+        placeholder: '例如 200.00'
+      },
+      {
+        key: 'transport_type',
+        label: '交通类型',
+        value: String(inlineState.transport_type || '').trim() || '待确认',
+        icon: 'mdi mdi-train-car',
+        editor: 'text',
+        modelKey: 'transport_type',
+        placeholder: '例如 火车/高铁、飞机'
+      },
+      {
+        key: 'hotel_name',
+        label: '酒店名称',
+        value: String(inlineState.merchant_name || '').trim() || '待补充',
+        icon: 'mdi mdi-bed-outline',
+        editor: 'text',
+        modelKey: 'merchant_name',
+        placeholder: '请输入酒店名称'
+      },
+      {
+        key: 'travel_purpose',
+        label: '出差事宜',
+        value: String(inlineState.reason_value || '').trim() || '待补充',
+        icon: 'mdi mdi-briefcase-edit-outline',
+        editor: 'textarea',
+        modelKey: 'reason_value',
+        placeholder: '请填写本次出差的具体工作内容或业务意图',
+        wide: true
+      }
+    ]
+  }
+
+  const cards = [
+    {
+      key: 'occurred_date',
+      label: '发生时间',
+      value: String(inlineState.occurred_date || '').trim() || '待补充',
+      icon: 'mdi mdi-calendar-month-outline',
+      editor: 'date',
+      modelKey: 'occurred_date',
+      placeholder: `例如 ${DATE_INPUT_FORMAT}`
+    },
+    {
+      key: 'amount',
+      label: '金额',
+      value: formatAmountDisplay(inlineState.amount) || '待补充',
+      icon: 'mdi mdi-cash',
+      editor: 'amount',
+      modelKey: 'amount',
+      placeholder: '例如 200.00'
+    },
+    {
+      key: 'scene',
+      label: '场景 / 事由',
+      value: formatReviewSceneDisplayValue(inlineState),
+      icon: 'mdi mdi-silverware-fork-knife',
+      editor: 'select',
+      modelKey: 'scene_label',
+      placeholder: '请选择场景'
+    },
+    {
+      key: 'attachments',
+      label: '票据状态',
+      value: attachmentStatus,
+      icon: 'mdi mdi-file-document-outline',
+      editor: 'upload',
+      modelKey: 'attachment_names',
+      placeholder: ''
+    }
+  ]
+
+  if (shouldShowReviewFactCard(reviewPayload, 'customer_name', inlineState.customer_name)) {
+    cards.splice(cards.length - 1, 0, {
+      key: 'customer_name',
+      label: '关联客户',
+      value: String(inlineState.customer_name || '').trim() || '待补充',
+      icon: 'mdi mdi-domain',
+      editor: 'text',
+      modelKey: 'customer_name',
+      placeholder: '请输入客户名称'
+    })
+  }
+
+  if (shouldShowReviewFactCard(reviewPayload, 'location', inlineState.location)) {
+    cards.splice(cards.length - 1, 0, {
+      key: 'location',
+      label: '业务地点',
+      value: String(inlineState.location || '').trim() || '待补充',
+      icon: 'mdi mdi-map-marker-outline',
+      editor: 'text',
+      modelKey: 'location',
+      placeholder: '请输入业务地点'
+    })
+  }
+
+  if (shouldShowReviewFactCard(reviewPayload, 'merchant_name', inlineState.merchant_name)) {
+    cards.splice(cards.length - 1, 0, {
+      key: 'merchant_name',
+      label: '酒店/商户',
+      value: String(inlineState.merchant_name || '').trim() || '待补充',
+      icon: 'mdi mdi-storefront-outline',
+      editor: 'text',
+      modelKey: 'merchant_name',
+      placeholder: '请输入酒店或商户名称'
+    })
+  }
+
+  if (shouldShowReviewFactCard(reviewPayload, 'participants', inlineState.participants)) {
+    cards.splice(cards.length - 1, 0, {
+      key: 'participants',
+      label: '同行人员',
+      value: String(inlineState.participants || '').trim() || '待补充',
+      icon: 'mdi mdi-account-group-outline',
+      editor: 'text',
+      modelKey: 'participants',
+      placeholder: '例如 客户 2 人，我方 1 人'
+    })
+  }
+
+  return cards
+}
+
+function normalizeReviewRiskTitle(title, fallbackTitle) {
+  const normalized = String(title || '').trim()
+  const fallback = String(fallbackTitle || '风险提示').trim() || '风险提示'
+  if (!normalized) return fallback
+  const cleaned = normalized
+    .replace(/AI\s*预审\s*(暂未通过|未通过|不通过)?/g, '风险提示')
+    .replace(/(高风险|中风险|低风险)/g, '')
+    .replace(/^[：:\-—\s]+|[：:\-—\s]+$/g, '')
+    .trim()
+  return cleaned || fallback
+}
+
+export function buildReviewRiskItems(reviewPayload) {
+  return resolveReviewRiskBriefs(reviewPayload)
+    .map((brief, index) => {
+      const title = String(brief?.title || '').trim()
+      const content = String(brief?.content || '').trim()
+      const detail = String(brief?.detail || '').trim()
+      const suggestion = String(brief?.suggestion || '').trim()
+      const level = normalizeReviewRiskLevel(brief?.level)
+      const meta = REVIEW_RISK_LEVEL_META[level] || REVIEW_RISK_LEVEL_META.low
+      const fallbackTitle = content ? `风险提示 ${index + 1}` : '风险提示'
+      const normalizedTitle = normalizeReviewRiskTitle(title, fallbackTitle)
+      const summary = content || normalizedTitle
+
+      if (!normalizedTitle && !summary) return null
+
+      return {
+        key: `${level}-${normalizedTitle}-${index}`,
+        title: normalizedTitle,
+        summary,
+        detail: detail || content || '当前风险项没有返回更长解释，建议结合票据、报销事由和规则要求进行复核。',
+        level,
+        levelLabel: meta.label,
+        icon: meta.icon,
+        sourceLabel: meta.label,
+        suggestion: suggestion || meta.suggestion
+      }
+    })
+    .filter(Boolean)
+}
+
+export function buildReviewRiskConversationText(item, detailTarget = {}) {
+  const title = String(item?.title || '风险提示').trim()
+  const summary = String(item?.summary || '').trim()
+  const detail = String(item?.detail || '').trim()
+  const suggestion = String(item?.suggestion || '').trim()
+  const isInfo = String(item?.level || '').trim() === 'info'
+  const detailHref = String(detailTarget?.href || '').trim()
+  const detailLabel = String(detailTarget?.label || '').trim() || '进入该单据详情重新填写'
+  const lines = [`${title}`]
+
+  if (summary) {
+    lines.push('', `${isInfo ? '提示内容' : '风险点'}：${summary}`)
+  }
+  if (detail && detail !== summary) {
+    lines.push('', `规则依据：${detail}`)
+  }
+  if (suggestion) {
+    lines.push('', `${isInfo ? '处理建议' : '修改建议'}：${suggestion}`)
+  }
+  if (detailHref) {
+    lines.push('', `[${detailLabel}](${detailHref})`)
+  }
+  return lines.join('\n')
+}
+
+export function buildReviewMainMessageText(message) {
+  const text = String(message?.text || '')
+  if (!message?.reviewPayload) {
+    return text
+  }
+  return text
+    .replace(REVIEW_PENDING_SUMMARY_PATTERN, '\n')
+    .replace(/\n{3,}/g, '\n\n')
+    .trim()
+}
--- a/web/src/views/scripts/travelReimbursementStewardFollowupFlow.js
+++ b/web/src/views/scripts/travelReimbursementStewardFollowupFlow.js
@@ -0,0 +1,255 @@
+import { ASSISTANT_SCOPE_ACTION_SWITCH } from '../../utils/assistantSessionScope.js'
+import {
+  SESSION_TYPE_APPLICATION,
+  SESSION_TYPE_EXPENSE
+} from './travelReimbursementConversationModel.js'
+import {
+  buildStewardFieldItems,
+  formatStewardMissingFieldList,
+  formatStewardOntologyFields
+} from './stewardPlanModel.js'
+import { resolveStewardTypewriterNextIndex } from './stewardTypewriter.js'
+import { STEWARD_ASSISTANT_NAME } from './travelReimbursementStewardRuntimeTextModel.js'
+
+const STEWARD_FOLLOWUP_TYPEWRITER_INTERVAL_MS = 10
+const STEWARD_FOLLOWUP_THINKING_INTERVAL_MS = 8
+const STEWARD_FOLLOWUP_THINKING_CHUNK_SIZE = 5
+
+export function buildStewardContinuationAfterAction({
+  createMessage,
+  message,
+  completedLabel = '当前动作已完成'
+}) {
+  const continuation = message?.stewardContinuation || null
+  const remainingTasks = Array.isArray(continuation?.remainingTasks)
+    ? continuation.remainingTasks
+    : []
+  if (!remainingTasks.length) {
+    return null
+  }
+  const nextTask = remainingTasks[0]
+  const nextTaskType = String(nextTask.task_type || nextTask.taskType || '').trim()
+  const targetSessionType = nextTaskType === 'expense_application'
+    ? SESSION_TYPE_APPLICATION
+    : SESSION_TYPE_EXPENSE
+  const nextLabel = targetSessionType === SESSION_TYPE_APPLICATION
+    ? '继续创建申请单'
+    : '继续填写报销单'
+  const restTasks = remainingTasks.slice(1)
+  return createMessage(
+    'assistant',
+    [
+      `**${completedLabel}。**`,
+      '',
+      '我会重新检查剩余任务队列。',
+      `下一步：${nextTask.title || (targetSessionType === SESSION_TYPE_APPLICATION ? '费用申请' : '费用报销')}。`,
+      '请回复“确定”，我再继续执行。'
+    ].join('\n'),
+    [],
+    {
+      assistantName: STEWARD_ASSISTANT_NAME,
+      meta: [STEWARD_ASSISTANT_NAME, '等待用户确认'],
+      suggestedActions: [
+        {
+          label: nextLabel,
+          description: '确认后小财管家继续调用对应助手完成下一步。',
+          icon: targetSessionType === SESSION_TYPE_APPLICATION
+            ? 'mdi mdi-file-plus-outline'
+            : 'mdi mdi-receipt-text-plus-outline',
+          action_type: ASSISTANT_SCOPE_ACTION_SWITCH,
+          payload: {
+            session_type: targetSessionType,
+            carry_text: buildStewardContinuationCarryText(nextTask, restTasks),
+            carry_files: targetSessionType !== SESSION_TYPE_APPLICATION,
+            auto_submit: true,
+            steward_plan_id: String(continuation.planId || '').trim() || 'steward_continuation',
+            steward_next_task_id: String(nextTask.task_id || nextTask.taskId || '').trim(),
+            steward_current_task: nextTask,
+            steward_remaining_tasks: restTasks
+          }
+        }
+      ]
+    }
+  )
+}
+
+function buildStewardFollowupPlan(thinkingEvents = [], streamStatus = 'streaming', planId = '') {
+  return {
+    planId: planId || `steward-followup-${Date.now()}`,
+    planStatus: 'delegating',
+    summary: '',
+    visibleThinkingEventCount: Number.MAX_SAFE_INTEGER,
+    initialSummaryOnly: true,
+    thinkingEvents,
+    tasks: [],
+    attachmentGroups: [],
+    confirmationGroups: [],
+    streamStatus
+  }
+}
+
+function extractStewardCarryLine(text = '', label = '') {
+  const escapedLabel = String(label || '').replace(/[.*+?^${}()|[\]\\]/g, '\\$&')
+  const match = String(text || '').match(new RegExp(`(?:^|\\n)${escapedLabel}[：:]([^\\n]+)`, 'u'))
+  return match ? match[1].trim() : ''
+}
+
+function extractStewardFollowupNextTitle(text = '') {
+  const taskMatch = String(text || '').match(/请(?:先)?(?:创建申请单|填写报销单|继续填写报销单)[：:]([^。\n]+)/u)
+  if (taskMatch?.[1]) {
+    return taskMatch[1].trim()
+  }
+  const nextMatch = String(text || '').match(/下一步[：:]([^。\n]+)/u)
+  return nextMatch?.[1]?.trim() || '下一项财务任务'
+}
+
+function buildStewardFollowupThinkingEvents(finalMessage = null, actions = []) {
+  const eventPrefix = `steward-followup-${Date.now()}-${Math.random().toString(16).slice(2)}`
+  const firstAction = Array.isArray(actions) ? actions[0] : null
+  const actionPayload = firstAction?.payload && typeof firstAction.payload === 'object' ? firstAction.payload : {}
+  const carryText = String(actionPayload.carry_text || '').trim()
+  const finalText = String(finalMessage?.text || '').trim()
+  const nextTitle = extractStewardFollowupNextTitle(carryText || finalText)
+  const nextSummary = extractStewardCarryLine(carryText, '任务摘要')
+  const nextMissing = extractStewardCarryLine(carryText, '还需要补充')
+  return [
+    {
+      eventId: `${eventPrefix}-review`,
+      title: '复盘结果',
+      content: finalText.includes('申请单已完成')
+        ? '申请单已经完成，我把当前出差申请标记为已处理，不会重复创建。'
+        : '当前动作已经完成，我会把已完成事项从任务队列中移除。'
+    },
+    {
+      eventId: `${eventPrefix}-next`,
+      title: '读取剩余任务',
+      content: nextSummary
+        ? `剩余队列里的下一项是“${nextTitle}”：${nextSummary}。`
+        : `剩余队列里的下一项是“${nextTitle}”。`
+    },
+    {
+      eventId: `${eventPrefix}-gate`,
+      title: '判断下一步条件',
+      content: nextMissing
+        ? `这一步还需要补充${nextMissing}，进入对应核对环节后我会继续追问，不会直接提交。`
+        : '我会先等你确认，再进入下一项核对；创建草稿、绑定附件或提交前仍会再次确认。'
+    }
+  ]
+}
+
+function waitStewardFollowupTick(intervalMs) {
+  return new Promise((resolve) => {
+    window.setTimeout(resolve, intervalMs)
+  })
+}
+
+export async function pushStewardContinuationMessage({
+  finalMessage,
+  messages,
+  nextTick,
+  persistSessionState,
+  scrollToBottom
+}) {
+  if (!finalMessage) {
+    return
+  }
+  const finalText = String(finalMessage.text || '')
+  const followupPlanId = `steward-followup-${Date.now()}-${Math.random().toString(16).slice(2)}`
+  const finalActions = Array.isArray(finalMessage.suggestedActions)
+    ? finalMessage.suggestedActions
+    : []
+  finalMessage.text = ''
+  finalMessage.assistantName = STEWARD_ASSISTANT_NAME
+  finalMessage.meta = [STEWARD_ASSISTANT_NAME, '思考中']
+  finalMessage.suggestedActions = []
+  finalMessage.stewardPlan = buildStewardFollowupPlan([], 'streaming', followupPlanId)
+  messages.value.push(finalMessage)
+  persistSessionState()
+  nextTick(scrollToBottom)
+
+  const typedEvents = []
+  for (const eventData of buildStewardFollowupThinkingEvents(finalMessage, finalActions)) {
+    const event = {
+      eventId: eventData.eventId,
+      stage: 'steward_followup',
+      title: eventData.title,
+      content: '',
+      status: 'running'
+    }
+    typedEvents.push(event)
+    finalMessage.stewardPlan = buildStewardFollowupPlan([...typedEvents], 'streaming', followupPlanId)
+    persistSessionState()
+    nextTick(scrollToBottom)
+
+    const chars = Array.from(eventData.content)
+    for (let index = 0; index < chars.length;) {
+      await waitStewardFollowupTick(STEWARD_FOLLOWUP_THINKING_INTERVAL_MS)
+      index = Math.min(chars.length, index + STEWARD_FOLLOWUP_THINKING_CHUNK_SIZE)
+      event.content = chars.slice(0, index).join('')
+      finalMessage.stewardPlan = buildStewardFollowupPlan([...typedEvents], 'streaming', followupPlanId)
+      if (index % STEWARD_FOLLOWUP_THINKING_CHUNK_SIZE === 0 || index === chars.length) {
+        nextTick(scrollToBottom)
+      }
+    }
+    event.content = eventData.content
+    event.status = 'completed'
+    finalMessage.stewardPlan = buildStewardFollowupPlan([...typedEvents], 'streaming', followupPlanId)
+    persistSessionState()
+  }
+
+  finalMessage.meta = [STEWARD_ASSISTANT_NAME, '输出中']
+  finalMessage.stewardPlan = buildStewardFollowupPlan([...typedEvents], 'typing', followupPlanId)
+  const chars = Array.from(finalText)
+  for (let index = 0; index < chars.length;) {
+    await waitStewardFollowupTick(STEWARD_FOLLOWUP_TYPEWRITER_INTERVAL_MS)
+    index = resolveStewardTypewriterNextIndex(chars, index)
+    finalMessage.text = chars.slice(0, index).join('')
+    finalMessage.meta = [STEWARD_ASSISTANT_NAME, '输出中']
+    finalMessage.stewardPlan = buildStewardFollowupPlan([...typedEvents], 'typing', followupPlanId)
+    nextTick(scrollToBottom)
+  }
+
+  finalMessage.text = finalText
+  finalMessage.meta = [STEWARD_ASSISTANT_NAME, '等待用户确认']
+  finalMessage.suggestedActions = finalActions
+  finalMessage.stewardPlan = buildStewardFollowupPlan([...typedEvents], 'completed', followupPlanId)
+  persistSessionState()
+  nextTick(scrollToBottom)
+}
+
+export function buildStewardContinuationCarryText(task, restTasks = []) {
+  const taskType = String(task?.task_type || task?.taskType || '').trim()
+  const fields = formatStewardOntologyFields(task?.ontology_fields || task?.ontologyFields || {}, taskType)
+  const missingFields = formatStewardMissingFieldList(
+    task?.missing_fields || task?.missingFields || [],
+    taskType,
+    { includeHints: false }
+  )
+  const lines = [
+    taskType === 'expense_application'
+      ? `小财管家继续执行剩余任务，请创建申请单：${task.title || '费用申请'}。`
+      : `小财管家继续执行剩余任务，请填写报销单：${task.title || '费用报销'}。`,
+    task.summary ? `任务摘要：${task.summary}` : '',
+    fields ? `已识别信息：${fields}` : '',
+    missingFields ? `还需要补充：${missingFields}` : '',
+    missingFields
+      ? '请先追问上述缺失信息，不要直接生成核对结果，也不要替用户默认填写。'
+      : '请生成核对结果；创建草稿、绑定附件或提交审批前仍需让我确认。'
+  ]
+  if (restTasks.length) {
+    lines.push('当前步骤完成后，请继续引导我处理剩余任务：')
+    restTasks.forEach((item, index) => {
+      lines.push(`${index + 1}. ${item.title || item.task_type || item.taskType}`)
+    })
+  }
+  return lines.filter(Boolean).join('\n')
+}
+
+export function resolveStewardMissingFieldItems(task) {
+  if (Array.isArray(task?.missingFieldItems) && task.missingFieldItems.length) {
+    return task.missingFieldItems
+  }
+  const fields = task?.missingFields || task?.missing_fields || []
+  const taskType = String(task?.taskType || task?.task_type || '').trim()
+  return buildStewardFieldItems(fields, taskType)
+}
--- a/web/src/views/scripts/travelReimbursementStewardRuntimeTextModel.js
+++ b/web/src/views/scripts/travelReimbursementStewardRuntimeTextModel.js
@@ -0,0 +1,77 @@
+export const STEWARD_ASSISTANT_NAME = '小财管家'
+export const APPLICATION_PREVIEW_FIELD_ACTION_SET = 'set_application_preview_field'
+
+const APPLICATION_SUBMIT_CONFIRM_TEXT_PATTERN = /^(确认|确定|确认提交|确定提交|提交|提交审批|确认审批|确认无误|核对无误|信息无误|无误|没问题|可以提交|确认进入审批|提交至审批流程|确认提交审批|同意提交)$/
+const APPLICATION_SUBMIT_CANCEL_TEXT_PATTERN = /^(不|否|否定|取消|暂不|先不|不确认|不提交|再检查|再看看|等等|等一下)/
+const STEWARD_RUNTIME_CONTINUE_TEXT_PATTERN = /^(继续|继续执行|下一步|继续下一步|开始下一步|处理下一项|继续处理|确认开始|确定开始|可以|好的|好|行)$/
+const STEWARD_RUNTIME_CANCEL_TEXT_PATTERN = /^(取消|暂不|先不|不用|不要|不继续|不处理|先等等|等一下|停止|终止|算了)$/
+const STEWARD_RUNTIME_NEW_TASK_MIN_LENGTH = 12
+const STEWARD_RUNTIME_BUSINESS_HINT_PATTERN = /(申请|报销|出差|差旅|招待|交通费|住宿费|餐费|发票|票据|费用|预算|借款|付款|审批|审核)/
+const STEWARD_RUNTIME_TIME_OR_ACTION_HINT_PATTERN = /(今天|明天|后天|昨天|前天|\d{1,2}月\d{1,2}日|\d{4}-\d{1,2}-\d{1,2}|我要|帮我|需要|创建|填写|处理|去|前往)/
+const STEWARD_RUNTIME_CURRENT_CONTEXT_HINT_PATTERN = /(当前|这个|这一步|上面|上述|申请单|核对表|出行方式|交通方式|火车|高铁|动车|飞机|轮船|提交|审批|确认)/
+
+export function isApplicationSubmitConfirmationText(value = '') {
+  const normalized = String(value || '')
+    .replace(/\s+/g, '')
+    .replace(/[，,。.!！?？；;：:]/g, '')
+  if (!normalized || APPLICATION_SUBMIT_CANCEL_TEXT_PATTERN.test(normalized)) {
+    return false
+  }
+  return APPLICATION_SUBMIT_CONFIRM_TEXT_PATTERN.test(normalized)
+}
+
+export function normalizeStewardRuntimeInputText(value = '') {
+  return String(value || '')
+    .replace(/\s+/g, '')
+    .replace(/[，,。.!！?？；;：:]/g, '')
+    .trim()
+}
+
+export function isStewardRuntimeContinueText(value = '') {
+  const normalized = normalizeStewardRuntimeInputText(value)
+  return Boolean(normalized && STEWARD_RUNTIME_CONTINUE_TEXT_PATTERN.test(normalized))
+}
+
+export function isStewardRuntimeCancelText(value = '') {
+  const normalized = normalizeStewardRuntimeInputText(value)
+  return Boolean(normalized && STEWARD_RUNTIME_CANCEL_TEXT_PATTERN.test(normalized))
+}
+
+export function resolveStewardRuntimeTransportAlias(value = '') {
+  const normalized = normalizeStewardRuntimeInputText(value)
+  if (!normalized) {
+    return ''
+  }
+  const matchedModes = []
+  if (/火车|高铁|动车|列车|铁路/.test(normalized)) {
+    matchedModes.push('火车')
+  }
+  if (/飞机|机票|航班|航空/.test(normalized)) {
+    matchedModes.push('飞机')
+  }
+  if (/轮船|船票|客轮|渡轮|坐船/.test(normalized)) {
+    matchedModes.push('轮船')
+  }
+  return matchedModes.length === 1 ? matchedModes[0] : ''
+}
+
+export function shouldPlanNewStewardTasksLocally(rawText = '', runtimeState = {}) {
+  const text = String(rawText || '').trim()
+  const normalized = normalizeStewardRuntimeInputText(text)
+  if (
+    normalized.length < STEWARD_RUNTIME_NEW_TASK_MIN_LENGTH ||
+    isApplicationSubmitConfirmationText(normalized) ||
+    isStewardRuntimeContinueText(normalized) ||
+    isStewardRuntimeCancelText(normalized)
+  ) {
+    return false
+  }
+  if (!STEWARD_RUNTIME_BUSINESS_HINT_PATTERN.test(text) || !STEWARD_RUNTIME_TIME_OR_ACTION_HINT_PATTERN.test(text)) {
+    return false
+  }
+  const waitingFor = String(runtimeState?.waiting_for || '').trim()
+  if (waitingFor && STEWARD_RUNTIME_CURRENT_CONTEXT_HINT_PATTERN.test(text)) {
+    return false
+  }
+  return true
+}
--- a/web/src/views/scripts/useApplicationPreviewEditor.js
+++ b/web/src/views/scripts/useApplicationPreviewEditor.js
@@ -11,7 +11,6 @@ import {
  resolveApplicationDaysFromDateRange,
  refreshApplicationPreviewTransportEstimate
 } from '../../utils/expenseApplicationPreview.js'
-import { waitForMockApplicationTransportQuote } from '../../utils/expenseApplicationEstimate.js'
 import {
  buildWorkbenchDateLabel,
  canApplyWorkbenchDateSelection,
@@ -210,7 +209,6 @@ export function useApplicationPreviewEditor({
      )
    })
    const needRefreshEstimate = shouldRefreshTransportEstimate(editor.fieldKey)
-    const transportMode = String(nextPreview.fields?.transportMode || '').trim()
    message.applicationPreview = needRefreshEstimate
      ? buildTransportEstimatePendingPreview(nextPreview)
      : nextPreview
@@ -218,13 +216,6 @@ export function useApplicationPreviewEditor({
    cancelApplicationPreviewEditor()
    persistSessionState?.()
    if (needRefreshEstimate) {
-      if (transportMode) {
-        await waitForMockApplicationTransportQuote({
-          transportMode,
-          location: nextPreview.fields.matchedCity || nextPreview.fields.location,
-          time: nextPreview.fields.time
-        })
-      }
      const refreshedPreview = await refreshApplicationPreviewEstimate(nextPreview)
      message.applicationPreview = refreshedPreview
      message.text = buildLocalApplicationPreviewMessage(refreshedPreview)
--- a/web/src/views/scripts/useStewardPlanFlow.js
+++ b/web/src/views/scripts/useStewardPlanFlow.js
@@ -4,11 +4,11 @@ import {
  buildStewardSuggestedActions,
  normalizeStewardPlan
 } from './stewardPlanModel.js'
+import { resolveStewardTypewriterNextIndex } from './stewardTypewriter.js'
 import { SESSION_TYPE_STEWARD } from './travelReimbursementConversationModel.js'

 const STEWARD_TYPEWRITER_INTERVAL_MS = 10
 const STEWARD_THINKING_TYPEWRITER_INTERVAL_MS = 8
-const STEWARD_TYPEWRITER_CHUNK_SIZE = 4
 const STEWARD_THINKING_TYPEWRITER_CHUNK_SIZE = 5

 export function useStewardPlanFlow({
@@ -176,7 +176,7 @@ export function useStewardPlanFlow({
      if (runId !== stewardTypewriterRunId) {
        return
      }
-      index = Math.min(total, index + STEWARD_TYPEWRITER_CHUNK_SIZE)
+      index = resolveStewardTypewriterNextIndex(chars, index)
      const message = messages.value.find((item) => item.id === messageId)
      if (!message) {
        return
@@ -188,9 +188,7 @@ export function useStewardPlanFlow({
        ...normalizedPlan,
        streamStatus: 'typing'
      }
-      if (index % 4 === 0 || index === total) {
-        nextTick(scrollToBottom)
-      }
+      nextTick(scrollToBottom)
    }

    const message = messages.value.find((item) => item.id === messageId)
--- a/web/src/views/scripts/useTravelReimbursementCreateViewLifecycle.js
+++ b/web/src/views/scripts/useTravelReimbursementCreateViewLifecycle.js
@@ -0,0 +1,241 @@
+import { nextTick, onBeforeUnmount, onMounted, watch } from 'vue'
+import {
+  buildLocalApplicationPreviewMessage,
+  normalizeApplicationPreview
+} from '../../utils/expenseApplicationPreview.js'
+import {
+  MAX_ATTACHMENTS,
+  VISIBLE_ATTACHMENT_CHIPS,
+  buildReviewFilePreviewsFromReviewPayload
+} from './travelReimbursementAttachmentModel.js'
+import {
+  SESSION_TYPE_EXPENSE,
+  createMessage,
+  buildWelcomeInsight
+} from './travelReimbursementConversationModel.js'
+
+export function useTravelReimbursementCreateViewLifecycle({
+  activeFlowSteps,
+  activeReviewPanelScope,
+  activeReviewPayload,
+  activeSessionType,
+  adjustComposerTextareaHeight,
+  attachedFiles,
+  clearExpenseSessionForDeletedClaim,
+  clearStewardThinkingTimers,
+  closeAfterBusy,
+  composerDraft,
+  composerFilesExpanded,
+  composerUploadIntent,
+  conversationId,
+  currentInsight,
+  currentUser,
+  draftClaimId,
+  guidedFlowState,
+  handleComposerDatePickerOutside,
+  hasInsightPanelContent,
+  insightPanelCollapsed,
+  linkedRequest,
+  maybeFinalizeDeferredClose,
+  mergeFilesWithLimit,
+  messages,
+  persistSessionState,
+  props,
+  rememberFilePreviews,
+  resetReviewDrawerFromPayload,
+  resolveActiveClaimId,
+  restorePersistedDraftAttachmentPreviews,
+  reviewDocumentDrawerAvailable,
+  reviewDrawerMode,
+  reviewFilePreviews,
+  reviewFlowDrawerAvailable,
+  reviewRiskDrawerAvailable,
+  scrollToBottom,
+  startFlowTick,
+  stopAttachmentRuntime,
+  stopFlowRuntime,
+  submitComposer,
+  toast,
+  workbenchVisible,
+  REVIEW_DRAWER_MODE_DOCUMENTS,
+  REVIEW_DRAWER_MODE_FLOW,
+  REVIEW_DRAWER_MODE_REVIEW,
+  REVIEW_DRAWER_MODE_RISK,
+  SESSION_TYPE_EXPENSE: sessionTypeExpense = SESSION_TYPE_EXPENSE
+}) {
+  watch(
+    () => [activeReviewPayload.value, activeReviewPanelScope.value],
+    ([payload]) => {
+      rememberFilePreviews(buildReviewFilePreviewsFromReviewPayload(payload))
+      const shouldKeepFlowDrawer = reviewDrawerMode.value === REVIEW_DRAWER_MODE_FLOW && activeFlowSteps.value.length > 0
+      resetReviewDrawerFromPayload(payload)
+      if (shouldKeepFlowDrawer) {
+        reviewDrawerMode.value = REVIEW_DRAWER_MODE_FLOW
+      }
+    },
+    { immediate: true }
+  )
+
+  watch(
+    () => hasInsightPanelContent.value,
+    (available) => {
+      if (!available) {
+        insightPanelCollapsed.value = false
+      }
+    }
+  )
+
+  watch(
+    () => reviewDocumentDrawerAvailable.value,
+    (available) => {
+      if (!available && reviewDrawerMode.value === REVIEW_DRAWER_MODE_DOCUMENTS) {
+        reviewDrawerMode.value = REVIEW_DRAWER_MODE_REVIEW
+      }
+    }
+  )
+
+  watch(
+    () => reviewRiskDrawerAvailable.value,
+    (available) => {
+      if (!available && reviewDrawerMode.value === REVIEW_DRAWER_MODE_RISK) {
+        reviewDrawerMode.value = REVIEW_DRAWER_MODE_REVIEW
+      }
+    }
+  )
+
+  watch(
+    () => reviewFlowDrawerAvailable.value,
+    (available) => {
+      if (!available && reviewDrawerMode.value === REVIEW_DRAWER_MODE_FLOW) {
+        reviewDrawerMode.value = REVIEW_DRAWER_MODE_REVIEW
+      }
+    }
+  )
+
+  watch(
+    () => [activeSessionType.value, activeFlowSteps.value.length],
+    ([, activeCount], [, previousActiveCount] = []) => {
+      if (activeCount <= 0 || previousActiveCount > 0) {
+        return
+      }
+      reviewDrawerMode.value = REVIEW_DRAWER_MODE_FLOW
+      insightPanelCollapsed.value = false
+    }
+  )
+
+  watch(
+    () => composerDraft.value,
+    () => {
+      nextTick(adjustComposerTextareaHeight)
+    }
+  )
+
+  watch(
+    () => ({
+      sessionType: activeSessionType.value,
+      conversationId: conversationId.value,
+      draftClaimId: draftClaimId.value,
+      messages: messages.value,
+      currentInsight: currentInsight.value,
+      reviewFilePreviews: reviewFilePreviews.value,
+      composerDraft: composerDraft.value,
+      composerUploadIntent: composerUploadIntent.value,
+      guidedFlowState: guidedFlowState.value,
+      insightPanelCollapsed: insightPanelCollapsed.value
+    }),
+    () => {
+      persistSessionState()
+    },
+    { deep: true }
+  )
+
+  watch(
+    () => [activeSessionType.value, resolveActiveClaimId()],
+    ([sessionType, claimId]) => {
+      if (sessionType !== sessionTypeExpense || !claimId) {
+        return
+      }
+      void restorePersistedDraftAttachmentPreviews(claimId)
+    },
+    { immediate: true }
+  )
+
+  watch(
+    () => props.invalidatedDraftClaimId,
+    (claimId) => {
+      clearExpenseSessionForDeletedClaim(claimId)
+    },
+    { immediate: true }
+  )
+
+  watch(
+    () => workbenchVisible.value,
+    (visible) => {
+      if (visible) {
+        scrollToBottom()
+      } else {
+        maybeFinalizeDeferredClose()
+      }
+    }
+  )
+
+  watch(
+    () => props.reopenToken,
+    (token, previousToken) => {
+      if (token === previousToken) {
+        return
+      }
+      closeAfterBusy.value = false
+      workbenchVisible.value = true
+      nextTick(() => {
+        adjustComposerTextareaHeight()
+        scrollToBottom()
+      })
+    }
+  )
+
+  onMounted(() => {
+    document.addEventListener('click', handleComposerDatePickerOutside)
+    startFlowTick()
+    nextTick(() => {
+      workbenchVisible.value = true
+      nextTick(() => {
+        adjustComposerTextareaHeight()
+        scrollToBottom()
+      })
+    })
+    currentInsight.value =
+      currentInsight.value
+      || buildWelcomeInsight(props.entrySource, linkedRequest.value, activeSessionType.value, currentUser.value)
+    if (props.initialApplicationPreview && typeof props.initialApplicationPreview === 'object') {
+      const applicationPreview = normalizeApplicationPreview(props.initialApplicationPreview)
+      messages.value.push(createMessage('assistant', buildLocalApplicationPreviewMessage(applicationPreview), [], {
+        meta: ['修改申请'],
+        applicationPreview
+      }))
+      persistSessionState()
+    }
+    if (props.initialPrompt?.trim() || props.initialFiles.length) {
+      const initialMerge = mergeFilesWithLimit([], Array.from(props.initialFiles), MAX_ATTACHMENTS)
+      composerDraft.value = props.initialPrompt.trim()
+      attachedFiles.value = initialMerge.files
+      composerFilesExpanded.value = initialMerge.files.length > VISIBLE_ATTACHMENT_CHIPS
+      if (initialMerge.overflowCount > 0) {
+        toast(`一次最多上传 ${MAX_ATTACHMENTS} 份附件，已保留前 ${MAX_ATTACHMENTS} 份。`)
+      }
+      nextTick(() => {
+        adjustComposerTextareaHeight()
+      })
+      if (props.initialPromptAutoSubmit !== false) {
+        submitComposer()
+      }
+    }
+  })
+
+  onBeforeUnmount(() => {
+    document.removeEventListener('click', handleComposerDatePickerOutside)
+    clearStewardThinkingTimers()
+    stopFlowRuntime()
+    stopAttachmentRuntime()
+  })
+}
--- a/web/src/views/scripts/useTravelReimbursementCreateViewUi.js
+++ b/web/src/views/scripts/useTravelReimbursementCreateViewUi.js
@@ -0,0 +1,145 @@
+import { computed } from 'vue'
+
+export function useTravelReimbursementCreateViewUi(ctx) {
+  const messageItemUi = computed(() => ({
+    ASSISTANT_DISPLAY_NAME: ctx.ASSISTANT_DISPLAY_NAME,
+    aiAvatar: ctx.aiAvatar,
+    userAvatar: ctx.userAvatar,
+    submitting: ctx.submitting.value,
+    reviewActionBusy: ctx.reviewActionBusy.value,
+    sessionSwitchBusy: ctx.sessionSwitchBusy.value,
+    applicationPreviewEditor: ctx.applicationPreviewEditor.value,
+    buildMessageBubbleClass: ctx.buildMessageBubbleClass,
+    resolveStewardMissingFieldItems: ctx.resolveStewardMissingFieldItems,
+    buildReviewMainMessageText: ctx.buildReviewMainMessageText,
+    renderMarkdown: ctx.renderMarkdown,
+    handleAssistantMarkdownClick: ctx.handleAssistantMarkdownClick,
+    resolveApplicationPreviewRows: ctx.resolveApplicationPreviewRows,
+    resolveApplicationPreviewEditorControl: ctx.resolveApplicationPreviewEditorControl,
+    resolveApplicationPreviewEditorOptions: ctx.resolveApplicationPreviewEditorOptions,
+    resolveApplicationPreviewMissingFields: ctx.resolveApplicationPreviewMissingFields,
+    isApplicationPreviewEditing: ctx.isApplicationPreviewEditing,
+    isApplicationPreviewDateEditorOpen: ctx.isApplicationPreviewDateEditorOpen,
+    openApplicationPreviewEditor: ctx.openApplicationPreviewEditorFromUi,
+    commitApplicationPreviewEditor: ctx.commitApplicationPreviewEditor,
+    commitApplicationPreviewDateEditor: ctx.commitApplicationPreviewDateEditor,
+    setApplicationPreviewDateMode: ctx.setApplicationPreviewDateMode,
+    canApplyApplicationPreviewDateSelection: ctx.canApplyApplicationPreviewDateSelection,
+    handleApplicationPreviewEditorKeydown: ctx.handleApplicationPreviewEditorKeydown,
+    buildApplicationPreviewFooterText: ctx.buildApplicationPreviewFooterText,
+    isApplicationDraftPayload: ctx.isApplicationDraftPayload,
+    resolveApplicationDraftStatusLabel: ctx.resolveApplicationDraftStatusLabel,
+    buildApplicationDraftSummaryItems: ctx.buildApplicationDraftSummaryItems,
+    shouldShowDraftSavedCard: ctx.shouldShowDraftSavedCard,
+    canOpenDraftDetail: ctx.canOpenDraftDetail,
+    resolveReimbursementDraftClaimNo: ctx.resolveReimbursementDraftClaimNo,
+    openApplicationDraftDetail: ctx.openApplicationDraftDetail,
+    shouldShowAssistantMessageActions: ctx.shouldShowAssistantMessageActions,
+    copyAssistantMessage: ctx.copyAssistantMessage,
+    speakAssistantMessage: ctx.speakAssistantMessage,
+    isMessageFeedbackSelected: ctx.isMessageFeedbackSelected,
+    submitOperationFeedbackForMessage: ctx.submitOperationFeedbackForMessage,
+    runWelcomeQuickAction: ctx.runShortcut,
+    handleSuggestedAction: ctx.handleSuggestedAction,
+    isSuggestedActionSelected: ctx.isSuggestedActionSelected,
+    buildExpenseQueryWindowLabel: ctx.buildExpenseQueryWindowLabel,
+    buildExpenseQueryHint: ctx.buildExpenseQueryHint,
+    getExpenseQueryActivePage: ctx.getExpenseQueryActivePage,
+    getExpenseQueryTotalPages: ctx.getExpenseQueryTotalPages,
+    getExpenseQueryVisibleRecords: ctx.getExpenseQueryVisibleRecords,
+    handleExpenseQueryRecordClick: ctx.handleExpenseQueryRecordClick,
+    appendExpenseQueryRiskToConversation: ctx.appendExpenseQueryRiskToConversation,
+    shiftExpenseQueryPage: ctx.shiftExpenseQueryPage,
+    setExpenseQueryPage: ctx.setExpenseQueryPage,
+    buildReviewPlainFollowupForMessage: ctx.buildReviewPlainFollowupForMessage,
+    canUseInlineSaveDraft: ctx.canUseInlineSaveDraft,
+    handleInlineSaveDraft: ctx.handleInlineSaveDraft,
+    buildReviewNextStepRichCopyForMessage: ctx.buildReviewNextStepRichCopyForMessage,
+    resolveReviewFooterActions: ctx.resolveReviewFooterActions,
+    handleReviewAction: ctx.handleReviewAction,
+    buildReviewPrimaryButtonLabel: ctx.buildReviewPrimaryButtonLabel
+  }))
+
+  const insightPanelUi = computed(() => ({
+    showInsightPanel: ctx.showInsightPanel.value,
+    isKnowledgeSession: ctx.isKnowledgeSession.value,
+    activeReviewPayload: ctx.activeReviewPayload.value,
+    isReviewFlowDrawer: ctx.isReviewFlowDrawer.value,
+    currentInsight: ctx.currentInsight.value,
+    currentIntentLabel: ctx.currentIntentLabel.value,
+    reviewDrawerTitle: ctx.reviewDrawerTitle.value,
+    reviewOverviewDrawerAvailable: ctx.reviewOverviewDrawerAvailable.value,
+    isReviewOverviewDrawer: ctx.isReviewOverviewDrawer.value,
+    submitting: ctx.submitting.value,
+    reviewActionBusy: ctx.reviewActionBusy.value,
+    switchToReviewOverviewDrawer: ctx.switchToReviewOverviewDrawer,
+    reviewDocumentDrawerAvailable: ctx.reviewDocumentDrawerAvailable.value,
+    isReviewDocumentDrawer: ctx.isReviewDocumentDrawer.value,
+    toggleReviewDocumentDrawer: ctx.toggleReviewDocumentDrawer,
+    reviewDocumentDrawerIcon: ctx.reviewDocumentDrawerIcon.value,
+    reviewRiskDrawerAvailable: ctx.reviewRiskDrawerAvailable.value,
+    isReviewRiskDrawer: ctx.isReviewRiskDrawer.value,
+    toggleReviewRiskDrawer: ctx.toggleReviewRiskDrawer,
+    reviewRiskDrawerIcon: ctx.reviewRiskDrawerIcon.value,
+    reviewFlowDrawerAvailable: ctx.reviewFlowDrawerAvailable.value,
+    flowOverallStatusTone: ctx.flowOverallStatusTone.value,
+    toggleReviewFlowDrawer: ctx.toggleReviewFlowDrawer,
+    reviewFlowDrawerIcon: ctx.reviewFlowDrawerIcon.value,
+    activeSessionType: ctx.activeSessionType.value,
+    reviewDrawerMode: ctx.reviewDrawerMode.value,
+    hotKnowledgeQuestions: ctx.hotKnowledgeQuestions,
+    deleteSessionBusy: ctx.deleteSessionBusy.value,
+    sessionSwitchBusy: ctx.sessionSwitchBusy.value,
+    askHotKnowledgeQuestion: ctx.askHotKnowledgeQuestion,
+    resolveKnowledgeRankTone: ctx.resolveKnowledgeRankTone,
+    resolveKnowledgeRankLabel: ctx.resolveKnowledgeRankLabel,
+    flowOverallStatusText: ctx.flowOverallStatusText.value,
+    flowTotalDurationText: ctx.flowTotalDurationText.value,
+    flowRunId: ctx.flowRunId.value,
+    flowRefreshBusy: ctx.flowRefreshBusy.value,
+    refreshFlowRunDetail: ctx.refreshFlowRunDetail,
+    flowSteps: ctx.activeFlowSteps.value,
+    visibleFlowSteps: ctx.visibleFlowSteps.value,
+    resolveFlowStepStatusLabel: ctx.resolveFlowStepStatusLabel,
+    formatFlowStepDuration: ctx.formatFlowStepDuration,
+    resolveFlowStepDetail: ctx.resolveFlowStepDetail,
+    reviewIntentText: ctx.reviewIntentText.value,
+    reviewFactCards: ctx.reviewFactCards.value,
+    reviewInlineEditorKey: ctx.reviewInlineEditorKey.value,
+    reviewInlineErrors: ctx.reviewInlineErrors.value,
+    reviewInlineForm: ctx.reviewInlineForm.value,
+    DATE_INPUT_FORMAT: ctx.DATE_INPUT_FORMAT,
+    REVIEW_SCENE_OPTIONS: ctx.REVIEW_SCENE_OPTIONS,
+    REVIEW_SCENE_OTHER_OPTION: ctx.REVIEW_SCENE_OTHER_OPTION,
+    clearInlineReviewFieldError: ctx.clearInlineReviewFieldError,
+    commitInlineReviewEditor: ctx.commitInlineReviewEditor,
+    selectInlineScene: ctx.selectInlineScene,
+    reviewInlinePendingFiles: ctx.reviewInlinePendingFiles.value,
+    openInlineReviewEditor: ctx.openInlineReviewEditor,
+    reviewPanelConfidence: ctx.reviewPanelConfidence.value,
+    reviewCategoryOptions: ctx.reviewCategoryOptions.value,
+    selectReviewCategory: ctx.selectReviewCategory,
+    reviewSelectedOtherCategory: ctx.reviewSelectedOtherCategory.value,
+    reviewOtherCategoryOpen: ctx.reviewOtherCategoryOpen.value,
+    reviewOtherCategoryOptions: ctx.reviewOtherCategoryOptions.value,
+    selectReviewOtherCategory: ctx.selectReviewOtherCategory,
+    activeReviewDocumentIndex: ctx.activeReviewDocumentIndex.value,
+    reviewDocumentCount: ctx.reviewDocumentCount.value,
+    goReviewDocument: ctx.goReviewDocument,
+    activeReviewDocument: ctx.activeReviewDocument.value,
+    activeReviewDocumentPreview: ctx.activeReviewDocumentPreview.value,
+    canPreviewActiveReviewDocument: ctx.canPreviewActiveReviewDocument.value,
+    openActiveReviewDocumentPreview: ctx.openActiveReviewDocumentPreview,
+    reviewRiskSummary: ctx.reviewRiskSummary.value,
+    reviewRiskItems: ctx.reviewRiskItems.value,
+    appendReviewRiskBriefToConversation: ctx.appendReviewRiskBriefToConversation,
+    reviewRiskEmpty: ctx.reviewRiskEmpty.value,
+    reviewHasUnsavedChanges: ctx.reviewHasUnsavedChanges.value,
+    saveInlineReviewChanges: ctx.saveInlineReviewChanges
+  }))
+
+  return {
+    insightPanelUi,
+    messageItemUi
+  }
+}
--- a/web/src/views/scripts/useTravelReimbursementFlow.js
+++ b/web/src/views/scripts/useTravelReimbursementFlow.js
@@ -601,7 +601,7 @@ export function useTravelReimbursementFlow({
    startFlowStep('pre-submit-review', {
      title: '自动检测与风险识别',
      tool: 'ExpenseClaimService.submit_claim',
-      detail: '正在校验财务规则、风险规则和审批路径...'
+      detail: '正在校验基础规则、风险规则和审批路径...'
    })
  }

@@ -847,7 +847,7 @@ export function useTravelReimbursementFlow({
    if (String(response.status || '').trim() === 'submitted') {
      return isApplicationSessionActive()
        ? '申请单提交成功'
-        : `已完成财务规则、风险规则和审批路径校验，提交至${response.approval_stage || '审批环节'}`
+        : `已完成基础规则、风险规则和审批路径校验，提交至${response.approval_stage || '审批环节'}`
    }
    if (response.submission_blocked) {
      return summarizeVisibleToolText(response.message) || '自动检测发现待补充项，暂未提交审批'
--- a/web/src/views/scripts/useTravelReimbursementMessageActions.js
+++ b/web/src/views/scripts/useTravelReimbursementMessageActions.js
@@ -0,0 +1,476 @@
+import {
+  buildOperationFeedbackPayload,
+  normalizeOperationFeedbackContext
+} from '../../composables/useOperationFeedback.js'
+import { createOperationFeedback } from '../../services/operationFeedback.js'
+import {
+  buildApplicationPreviewFooterMessage,
+  normalizeApplicationPreview
+} from '../../utils/expenseApplicationPreview.js'
+import { STEWARD_ASSISTANT_NAME } from './useTravelReimbursementStewardRuntime.js'
+import {
+  buildReviewNextStepRichCopy,
+  buildReviewRiskLevelCounts,
+  resolveReviewNextStepAction
+} from './travelReimbursementReviewModel.js'
+import { buildReviewRiskConversationText } from './travelReimbursementReviewPanelModel.js'
+
+export function useTravelReimbursementMessageActions({
+  activeSessionType,
+  buildMessageActionRows,
+  conversationId,
+  createMessage,
+  currentInsight,
+  currentUser,
+  draftClaimId,
+  emit,
+  getHandleReviewActionInternal,
+  latestReviewMessage,
+  linkedRequest,
+  messages,
+  nextStepConfirmDialog,
+  nextTick,
+  persistSessionState,
+  props,
+  resolveActiveClaimId,
+  resolveCurrentUserId,
+  reviewActionBusy,
+  router,
+  scrollToBottom,
+  submitComposer,
+  submitting,
+  toast
+}) {
+  function queryDraftByClaimNo(claimNo) {
+    const normalized = String(claimNo || '').trim()
+    if (!normalized || submitting.value || reviewActionBusy.value) return
+    submitComposer({
+      rawText: `查看报销草稿 ${normalized} 的当前信息`,
+      userText: `查看草稿 ${normalized}`,
+      systemGenerated: true
+    })
+  }
+
+  function appendReviewRiskBriefToConversation(item) {
+    if (!item) return
+    messages.value.push(createMessage('assistant', buildReviewRiskConversationText(item, resolveReviewRiskDetailTarget()), [], {
+      meta: [item.sourceLabel || item.levelLabel || '风险提示'],
+      metaTone: item.level || 'low'
+    }))
+    nextTick(scrollToBottom)
+  }
+
+  function appendExpenseQueryRiskToConversation(record, risk) {
+    if (!record || !risk) return
+    const claimId = String(record.claimId || '').trim()
+    const claimNo = String(record.claimNo || '该单据').trim()
+    const route = claimId
+      ? router.resolve({
+          name: 'app-document-detail',
+          params: { requestId: claimId }
+        })
+      : null
+    messages.value.push(createMessage(
+      'assistant',
+      buildReviewRiskConversationText(
+        {
+          title: `${claimNo} ${risk.levelLabel || '风险提示'}：${risk.title || '风险提示'}`,
+          summary: risk.summary,
+          detail: risk.detail,
+          suggestion: '请进入单据详情核对费用明细、票据附件和附加说明；如属于合理例外，请补充业务说明后再继续流程。',
+          sourceLabel: risk.levelLabel,
+          level: risk.level
+        },
+        route?.href
+          ? {
+              href: route.href,
+              label: `进入 ${claimNo} 详情重新填写`
+            }
+          : {}
+      ),
+      [],
+      {
+        meta: [`${claimNo} 风险详情`],
+        metaTone: risk.level || 'medium'
+      }
+    ))
+    nextTick(scrollToBottom)
+  }
+
+  function resolveReviewDetailTarget(message = null) {
+    const latestDraftMessage = [...messages.value].reverse().find((item) => item?.draftPayload)
+    const candidates = [
+      message?.draftPayload,
+      currentInsight.value.agent?.draftPayload,
+      latestReviewMessage.value?.draftPayload,
+      latestDraftMessage?.draftPayload,
+      linkedRequest.value
+    ].filter(Boolean)
+    const claimTarget = candidates.find((item) => String(item?.claim_id || item?.claimId || item?.id || '').trim())
+    const claimId = String(claimTarget?.claim_id || claimTarget?.claimId || claimTarget?.id || draftClaimId.value || resolveActiveClaimId() || '').trim()
+    if (!claimId) {
+      return {}
+    }
+    const claimNoTarget = candidates.find((item) => String(item?.claim_no || item?.claimNo || item?.documentNo || '').trim())
+    const claimNo = String(claimNoTarget?.claim_no || claimNoTarget?.claimNo || claimNoTarget?.documentNo || '').trim()
+    const route = router.resolve({
+      name: 'app-document-detail',
+      params: { requestId: claimId }
+    })
+    return {
+      href: route.href,
+      label: claimNo ? `进入 ${claimNo} 详情重新填写` : '进入该单据详情重新填写'
+    }
+  }
+
+  function resolveReviewRiskDetailTarget() {
+    return resolveReviewDetailTarget()
+  }
+
+  function buildReviewNextStepRichCopyForMessage(message) {
+    const target = resolveReviewDetailTarget(message)
+    return buildReviewNextStepRichCopy(message?.reviewPayload, {
+      detailHref: target.href || ''
+    })
+  }
+
+  function buildMessageBubbleClass(message) {
+    if (message?.role === 'assistant' && message?.budgetReport) {
+      return 'message-bubble-budget-report'
+    }
+    if (message?.role === 'assistant' && message?.applicationPreview) {
+      return 'message-bubble-application-preview'
+    }
+    if (message?.role !== 'assistant' || !resolveReviewNextStepAction(message?.reviewPayload)) {
+      return ''
+    }
+    const counts = buildReviewRiskLevelCounts(message.reviewPayload)
+    if (counts.high > 0) {
+      return 'message-bubble-review-risk-high'
+    }
+    if (counts.medium > 0) {
+      return 'message-bubble-review-risk-medium'
+    }
+    if (counts.low > 0) {
+      return 'message-bubble-review-risk-low'
+    }
+    return ''
+  }
+
+  function openReviewNextStepConfirm(message) {
+    const action = resolveReviewNextStepAction(message?.reviewPayload)
+    if (!action) {
+      return
+    }
+    nextStepConfirmDialog.value = {
+      open: true,
+      message,
+      action
+    }
+  }
+
+  function closeReviewNextStepConfirm() {
+    if (reviewActionBusy.value) {
+      return
+    }
+    nextStepConfirmDialog.value = {
+      open: false,
+      message: null,
+      action: null
+    }
+  }
+
+  async function confirmReviewNextStepSubmit() {
+    const message = nextStepConfirmDialog.value.message
+    const action = nextStepConfirmDialog.value.action
+    const handleReviewActionInternal = getHandleReviewActionInternal()
+    if (!message || !action || reviewActionBusy.value || !handleReviewActionInternal) {
+      return
+    }
+    try {
+      await handleReviewActionInternal(message, action)
+    } finally {
+      nextStepConfirmDialog.value = {
+        open: false,
+        message: null,
+        action: null
+      }
+    }
+  }
+
+  function buildApplicationPreviewFooterText(message) {
+    if (!message?.applicationPreview) {
+      return ''
+    }
+    return buildApplicationPreviewFooterMessage(message.applicationPreview)
+  }
+
+  function isApplicationDraftPayload(draftPayload) {
+    return String(draftPayload?.draft_type || '').trim() === 'expense_application'
+  }
+
+  function resolveDraftPayloadBodyField(draftPayload, label) {
+    const body = String(draftPayload?.body || '')
+    const pattern = new RegExp(`^${label}：(.+)$`, 'm')
+    return String(body.match(pattern)?.[1] || '').trim()
+  }
+
+  function resolveApplicationDraftStatusLabel(draftPayload) {
+    const status = String(draftPayload?.status || '').trim()
+    if (status === 'submitted') return '审批中'
+    return status || '已生成'
+  }
+
+  function buildApplicationDraftSummaryItems(draftPayload) {
+    if (!isApplicationDraftPayload(draftPayload)) {
+      return []
+    }
+    return [
+      { label: '单号', value: String(draftPayload?.claim_no || '').trim() || '待生成' },
+      { label: '类型', value: String(draftPayload?.title || '').trim() || '费用申请' },
+      { label: '节点', value: String(draftPayload?.approval_stage || '').trim() || '直属领导审批' },
+      { label: '时间', value: resolveDraftPayloadBodyField(draftPayload, '发生时间') },
+      { label: '费用', value: resolveDraftPayloadBodyField(draftPayload, '用户预估费用') }
+    ].filter((item) => String(item.value || '').trim() && item.value !== '待补充')
+  }
+
+  function shouldShowDraftSavedCard(message) {
+    const draftPayload = message?.draftPayload || null
+    return Boolean(
+      draftPayload
+        && (
+          String(draftPayload.claim_id || draftPayload.claimId || '').trim()
+          || String(draftPayload.claim_no || draftPayload.claimNo || '').trim()
+          || String(draftPayload.title || '').trim()
+          || String(draftPayload.body || '').trim()
+        )
+    )
+  }
+
+  function canOpenDraftDetail(message) {
+    const draftPayload = message?.draftPayload || {}
+    return Boolean(String(draftPayload.claim_id || draftPayload.claimId || '').trim())
+  }
+
+  function resolveReimbursementDraftClaimNo(draftPayload) {
+    return String(
+      draftPayload?.claim_no
+      || draftPayload?.claimNo
+      || draftPayload?.claim_id
+      || draftPayload?.claimId
+      || ''
+    ).trim() || '保存后生成'
+  }
+
+  function updateMessageOperationFeedback(message, patch = {}) {
+    if (!message?.id) {
+      return
+    }
+    messages.value = messages.value.map((item) => (
+      item.id === message.id
+        ? {
+            ...item,
+            operationFeedback: {
+              ...(item.operationFeedback || {}),
+              ...patch
+            }
+          }
+        : item
+    ))
+  }
+
+  function shouldShowAssistantMessageActions(message) {
+    return Boolean(
+      message?.role === 'assistant'
+        && (
+          String(message.text || '').trim()
+          || message.applicationPreview
+          || message.reviewPayload
+          || message.queryPayload
+          || message.draftPayload
+          || message.budgetReport
+        )
+        && !(message.stewardPlan?.streamStatus === 'streaming' && !String(message.text || '').trim())
+    )
+  }
+
+  function buildMessageActionText(message) {
+    const parts = []
+    const text = String(message?.text || '').trim()
+    if (text) {
+      parts.push(text)
+    }
+    const actionRows = buildMessageActionRows(message)
+    if (actionRows.length) {
+      parts.push(actionRows.join('\n'))
+    }
+    if (message?.draftPayload) {
+      const claimNo = resolveReimbursementDraftClaimNo(message.draftPayload)
+      if (claimNo) {
+        parts.push(`单据：${claimNo}`)
+      }
+    }
+    return parts.join('\n\n').trim()
+  }
+
+  async function copyAssistantMessage(message) {
+    const text = buildMessageActionText(message)
+    if (!text) {
+      toast('当前消息没有可复制的内容。')
+      return
+    }
+    try {
+      if (globalThis.navigator?.clipboard?.writeText) {
+        await globalThis.navigator.clipboard.writeText(text)
+      } else {
+        const textarea = globalThis.document.createElement('textarea')
+        textarea.value = text
+        textarea.setAttribute('readonly', 'readonly')
+        textarea.style.position = 'fixed'
+        textarea.style.opacity = '0'
+        globalThis.document.body.appendChild(textarea)
+        textarea.select()
+        globalThis.document.execCommand('copy')
+        globalThis.document.body.removeChild(textarea)
+      }
+      toast('已复制。')
+    } catch (error) {
+      console.warn('Failed to copy assistant message:', error)
+      toast('复制失败，请稍后重试。')
+    }
+  }
+
+  function speakAssistantMessage(message) {
+    const text = buildMessageActionText(message)
+    if (!text) {
+      toast('当前消息没有可播报的内容。')
+      return
+    }
+    const speech = globalThis.speechSynthesis
+    if (!speech || typeof globalThis.SpeechSynthesisUtterance === 'undefined') {
+      toast('当前浏览器不支持语音播报。')
+      return
+    }
+    speech.cancel()
+    const utterance = new globalThis.SpeechSynthesisUtterance(text.slice(0, 1200))
+    utterance.lang = 'zh-CN'
+    utterance.rate = 1
+    speech.speak(utterance)
+  }
+
+  function buildMessageOperationFeedbackContext(message) {
+    const existingContext = message?.operationFeedback?.context || null
+    if (existingContext) {
+      return existingContext
+    }
+    const messageId = String(message?.id || '').trim()
+    const assistantName = String(message?.assistantName || '').trim()
+    return normalizeOperationFeedbackContext({
+      run_id: messageId.slice(0, 50) || null,
+      conversation_id: String(conversationId.value || '').trim(),
+      user_id: resolveCurrentUserId(),
+      selected_agent: assistantName || (message?.stewardPlan ? STEWARD_ASSISTANT_NAME : 'user_agent'),
+      source: 'assistant_message_action',
+      session_type: activeSessionType.value,
+      operation_type: message?.stewardPlan ? 'steward_message' : 'assistant_message',
+      operation_status: 'succeeded',
+      status: 'succeeded',
+      entry_source: props.entrySource,
+      result_summary: buildMessageActionText(message).slice(0, 500)
+    }, currentUser.value || {})
+  }
+
+  async function submitOperationFeedbackForMessage(message, feedback = {}) {
+    const rating = Number(feedback.rating || 0)
+    if (!Number.isInteger(rating) || rating < 1 || rating > 5) {
+      updateMessageOperationFeedback(message, { error: '请选择 1 到 5 星评分。' })
+      return
+    }
+
+    const context = buildMessageOperationFeedbackContext(message)
+    if (!context) {
+      return
+    }
+
+    updateMessageOperationFeedback(message, {
+      submitting: true,
+      rating,
+      reason: String(feedback.reason || '').trim(),
+      context,
+      error: ''
+    })
+    try {
+      await createOperationFeedback(
+        buildOperationFeedbackPayload(context, feedback, currentUser.value || {})
+      )
+      updateMessageOperationFeedback(message, {
+        submitting: false,
+        submitted: true,
+        dismissed: false,
+        rating,
+        reason: String(feedback.reason || '').trim(),
+        error: ''
+      })
+      persistSessionState()
+    } catch (error) {
+      updateMessageOperationFeedback(message, {
+        submitting: false,
+        error: error?.message || '评价提交失败，请稍后重试。'
+      })
+    }
+  }
+
+  function isMessageFeedbackSelected(message, rating) {
+    return Boolean(
+      message?.operationFeedback?.submitted
+        && Number(message.operationFeedback.rating || 0) === Number(rating || 0)
+    )
+  }
+
+  async function openApplicationDraftDetail(message) {
+    const draftPayload = message?.draftPayload || {}
+    const claimId = String(draftPayload.claim_id || draftPayload.claimId || '').trim()
+    if (!claimId) {
+      toast('暂未获取到单据 ID，稍后可在单据中心查看。')
+      return
+    }
+    await router.push({
+      name: 'app-document-detail',
+      params: { requestId: claimId }
+    })
+    emit('close')
+  }
+
+  function resolveApplicationPreviewMissingFields(message) {
+    if (!message?.applicationPreview) {
+      return []
+    }
+    const normalizedPreview = normalizeApplicationPreview(message.applicationPreview)
+    return Array.isArray(normalizedPreview.missingFields) ? normalizedPreview.missingFields : []
+  }
+
+  return {
+    appendExpenseQueryRiskToConversation,
+    appendReviewRiskBriefToConversation,
+    buildApplicationDraftSummaryItems,
+    buildApplicationPreviewFooterText,
+    buildMessageBubbleClass,
+    buildReviewNextStepRichCopyForMessage,
+    canOpenDraftDetail,
+    closeReviewNextStepConfirm,
+    confirmReviewNextStepSubmit,
+    copyAssistantMessage,
+    isApplicationDraftPayload,
+    isMessageFeedbackSelected,
+    openApplicationDraftDetail,
+    openReviewNextStepConfirm,
+    queryDraftByClaimNo,
+    resolveApplicationDraftStatusLabel,
+    resolveApplicationPreviewMissingFields,
+    resolveReimbursementDraftClaimNo,
+    shouldShowAssistantMessageActions,
+    shouldShowDraftSavedCard,
+    speakAssistantMessage,
+    submitOperationFeedbackForMessage
+  }
+}
--- a/web/src/views/scripts/useTravelReimbursementStewardRuntime.js
+++ b/web/src/views/scripts/useTravelReimbursementStewardRuntime.js
@@ -0,0 +1,775 @@
+import { fetchStewardRuntimeDecision } from '../../services/steward.js'
+import {
+  buildApplicationPreviewSubmitText,
+  buildLocalApplicationPreviewMessage,
+  normalizeApplicationPreview
+} from '../../utils/expenseApplicationPreview.js'
+import {
+  buildTravelPlanningNudgeMessage,
+  buildTravelPlanningSuggestedActions
+} from '../../utils/travelApplicationPlanning.js'
+import {
+  SESSION_TYPE_APPLICATION,
+  SESSION_TYPE_STEWARD
+} from './travelReimbursementConversationModel.js'
+import {
+  APPLICATION_PREVIEW_FIELD_ACTION_SET,
+  STEWARD_ASSISTANT_NAME,
+  isApplicationSubmitConfirmationText,
+  isStewardRuntimeCancelText,
+  isStewardRuntimeContinueText,
+  normalizeStewardRuntimeInputText,
+  resolveStewardRuntimeTransportAlias,
+  shouldPlanNewStewardTasksLocally
+} from './travelReimbursementStewardRuntimeTextModel.js'
+import {
+  buildStewardContinuationAfterAction,
+  pushStewardContinuationMessage,
+  resolveStewardMissingFieldItems
+} from './travelReimbursementStewardFollowupFlow.js'
+
+export { STEWARD_ASSISTANT_NAME } from './travelReimbursementStewardRuntimeTextModel.js'
+
+export function useTravelReimbursementStewardRuntime(ctx) {
+  const {
+    activeSessionType,
+    applicationSubmitConfirmDialog,
+    attachedFiles,
+    composerDraft,
+    createMessage,
+    currentUser,
+    emit,
+    handleSuggestedAction,
+    isStewardSession,
+    linkedRequest,
+    messages,
+    nextTick,
+    persistSessionState,
+    props,
+    reviewActionBusy,
+    scrollToBottom,
+    sessionSwitchBusy,
+    submitComposer,
+    submitStewardPlan,
+    submitting,
+    toast,
+    adjustComposerTextareaHeight,
+    resolveCurrentUserId
+  } = ctx
+
+  function findLatestApplicationPreviewMessage() {
+    for (const message of [...messages.value].reverse()) {
+      if (
+        message?.role !== 'assistant' ||
+        !message.applicationPreview ||
+        message.applicationSubmitConfirmed
+      ) {
+        continue
+      }
+      return message
+    }
+    return null
+  }
+
+  function findPendingApplicationSubmitMessage() {
+    const message = findLatestApplicationPreviewMessage()
+    if (!message) {
+      return null
+    }
+    const normalizedPreview = normalizeApplicationPreview(message.applicationPreview)
+    if (normalizedPreview.readyToSubmit) {
+      message.applicationPreview = normalizedPreview
+      return message
+    }
+    return null
+  }
+
+  function pushApplicationSubmitBlockedMessage(userText = '', message = null, options = {}) {
+    const normalizedPreview = normalizeApplicationPreview(message?.applicationPreview || {})
+    const missingFields = Array.isArray(normalizedPreview.missingFields)
+      ? normalizedPreview.missingFields
+      : []
+    const validationIssues = Array.isArray(normalizedPreview.validationIssues)
+      ? normalizedPreview.validationIssues
+      : []
+    if (userText && !options.userMessageAlreadyAdded) {
+      messages.value.push(createMessage('user', userText))
+    }
+    messages.value.push(createMessage(
+      'assistant',
+      [
+        '我理解你是在确认当前申请单，但这张申请单还不能提交。',
+        '',
+        missingFields.length
+          ? `还需要先补充：**${missingFields.join('、')}**。`
+          : validationIssues.length
+            ? `需要先修正：**${validationIssues[0].message}**`
+            : '请先把申请核对表中的待补充信息补齐。',
+        '',
+        '补齐后再输入“确认”，我会继续提交至审批流程。'
+      ].join('\n'),
+      [],
+      {
+        assistantName: String(message?.assistantName || '').trim() || undefined,
+        meta: ['等待补充']
+      }
+    ))
+    composerDraft.value = ''
+    persistSessionState()
+    nextTick(() => {
+      adjustComposerTextareaHeight()
+      scrollToBottom()
+    })
+  }
+
+  async function handleApplicationSubmitConfirmationText(options = {}) {
+    const rawText = String(options.rawText ?? composerDraft.value ?? '').trim()
+    const files = Array.from(options.files ?? attachedFiles.value ?? [])
+    if (!isApplicationSubmitConfirmationText(rawText) || files.length) {
+      return false
+    }
+    const latestApplicationMessage = findLatestApplicationPreviewMessage()
+    if (!latestApplicationMessage) {
+      return false
+    }
+    const targetMessage = findPendingApplicationSubmitMessage()
+    if (!targetMessage) {
+      pushApplicationSubmitBlockedMessage(rawText, latestApplicationMessage)
+      return true
+    }
+    applicationSubmitConfirmDialog.value = {
+      open: true,
+      message: targetMessage
+    }
+    await confirmApplicationSubmit({ userText: rawText })
+    return true
+  }
+
+  function findPendingStewardSuggestedActionContext(decision = null) {
+    const targetMessageId = String(decision?.target_message_id || decision?.targetMessageId || '').trim()
+    const targetTaskId = String(decision?.target_task_id || decision?.targetTaskId || '').trim()
+    for (const message of [...messages.value].reverse()) {
+      if (
+        message?.role !== 'assistant' ||
+        message.suggestedActionsLocked ||
+        !Array.isArray(message.suggestedActions) ||
+        !message.suggestedActions.length
+      ) {
+        continue
+      }
+      if (targetMessageId && String(message.id || '') !== targetMessageId) {
+        continue
+      }
+      const action = message.suggestedActions.find((item) => {
+        if (String(item?.action_type || '').trim() === APPLICATION_PREVIEW_FIELD_ACTION_SET) {
+          return false
+        }
+        const payload = item?.payload && typeof item.payload === 'object' ? item.payload : {}
+        return !targetTaskId ||
+          String(payload.steward_next_task_id || payload.target_task_id || '').trim() === targetTaskId
+      }) || message.suggestedActions[0]
+      if (action) {
+        return { message, action }
+      }
+    }
+    return null
+  }
+
+  function findPendingSlotSuggestedActionContext(decision = null) {
+    const fieldKey = String(decision?.field_key || decision?.fieldKey || '').trim()
+    const fieldValue = String(decision?.field_value || decision?.fieldValue || '').trim()
+    for (const message of [...messages.value].reverse()) {
+      if (
+        message?.role !== 'assistant' ||
+        message.suggestedActionsLocked ||
+        !Array.isArray(message.suggestedActions) ||
+        !message.suggestedActions.length
+      ) {
+        continue
+      }
+      const action = message.suggestedActions.find((item) => {
+        if (String(item?.action_type || '').trim() !== APPLICATION_PREVIEW_FIELD_ACTION_SET) {
+          return false
+        }
+        const payload = item?.payload && typeof item.payload === 'object' ? item.payload : {}
+        const payloadField = String(payload.field_key || payload.fieldKey || '').trim()
+        const payloadValue = String(payload.value || item?.label || '').trim()
+        return payloadField && (!fieldKey || payloadField === fieldKey) && (!fieldValue || payloadValue === fieldValue)
+      })
+      if (action) {
+        return { message, action }
+      }
+    }
+    return null
+  }
+
+  function findPendingSlotSuggestedActionContextByInput(rawText = '') {
+    const normalizedInput = normalizeStewardRuntimeInputText(rawText)
+    if (!normalizedInput) {
+      return null
+    }
+    const transportAlias = resolveStewardRuntimeTransportAlias(normalizedInput)
+    for (const message of [...messages.value].reverse()) {
+      if (
+        message?.role !== 'assistant' ||
+        message.suggestedActionsLocked ||
+        !Array.isArray(message.suggestedActions) ||
+        !message.suggestedActions.length
+      ) {
+        continue
+      }
+
+      const exactMatches = []
+      const fuzzyMatches = []
+      message.suggestedActions.forEach((action) => {
+        if (String(action?.action_type || '').trim() !== APPLICATION_PREVIEW_FIELD_ACTION_SET) {
+          return
+        }
+        const payload = action?.payload && typeof action.payload === 'object' ? action.payload : {}
+        const fieldKey = String(payload.field_key || payload.fieldKey || '').trim()
+        const value = String(payload.value || action?.label || '').trim()
+        const label = String(action?.label || value).trim()
+        const tokens = [value, label]
+          .map((item) => normalizeStewardRuntimeInputText(item))
+          .filter(Boolean)
+        if (!fieldKey || !value || !tokens.length) {
+          return
+        }
+        if (tokens.includes(normalizedInput)) {
+          exactMatches.push({ message, action })
+          return
+        }
+        const actionTransportAlias = resolveStewardRuntimeTransportAlias(`${value}${label}`)
+        if (
+          transportAlias &&
+          (
+            tokens.includes(normalizeStewardRuntimeInputText(transportAlias)) ||
+            actionTransportAlias === transportAlias
+          )
+        ) {
+          fuzzyMatches.push({ message, action })
+          return
+        }
+        if (tokens.some((token) => token.length >= 2 && normalizedInput.includes(token))) {
+          fuzzyMatches.push({ message, action })
+        }
+      })
+
+      if (exactMatches.length === 1) {
+        return exactMatches[0]
+      }
+      if (exactMatches.length > 1) {
+        return null
+      }
+      const uniqueFuzzyMatches = fuzzyMatches.filter((item, index, list) =>
+        list.findIndex((candidate) => candidate.action === item.action) === index
+      )
+      if (uniqueFuzzyMatches.length === 1) {
+        return uniqueFuzzyMatches[0]
+      }
+      if (uniqueFuzzyMatches.length > 1) {
+        return null
+      }
+    }
+    return null
+  }
+
+  function buildStewardRuntimeState() {
+    const latestApplicationMessage = findLatestApplicationPreviewMessage()
+    const applicationPreview = latestApplicationMessage?.applicationPreview
+      ? normalizeApplicationPreview(latestApplicationMessage.applicationPreview)
+      : null
+    const applicationContinuation = latestApplicationMessage?.stewardContinuation || null
+    const pendingSlotContext = findPendingSlotSuggestedActionContext()
+    const pendingStewardContext = pendingSlotContext ? null : findPendingStewardSuggestedActionContext()
+    const pendingActionPayload = pendingStewardContext?.action?.payload && typeof pendingStewardContext.action.payload === 'object'
+      ? pendingStewardContext.action.payload
+      : {}
+    const pendingSlotPayload = pendingSlotContext?.action?.payload && typeof pendingSlotContext.action.payload === 'object'
+      ? pendingSlotContext.action.payload
+      : {}
+    const continuation = applicationContinuation || pendingStewardContext?.message?.stewardContinuation || null
+    const remainingTasks = Array.isArray(continuation?.remainingTasks)
+      ? continuation.remainingTasks
+      : []
+    const pendingApplication = latestApplicationMessage && applicationPreview
+      ? {
+          message_id: String(latestApplicationMessage.id || '').trim(),
+          task_id: String(
+            applicationContinuation?.currentTaskId ||
+            applicationContinuation?.current_task_id ||
+            applicationContinuation?.currentTask?.task_id ||
+            applicationContinuation?.currentTask?.taskId ||
+            ''
+          ).trim(),
+          ready_to_submit: Boolean(applicationPreview.readyToSubmit),
+          missing_fields: Array.isArray(applicationPreview.missingFields) ? applicationPreview.missingFields : [],
+          fields: applicationPreview.fields || {}
+        }
+      : null
+    return {
+      waiting_for: pendingApplication
+        ? (pendingApplication.ready_to_submit ? 'application_submit_confirmation' : 'application_field_completion')
+        : pendingSlotContext
+          ? 'application_field_completion'
+          : pendingStewardContext
+            ? 'steward_next_task_confirmation'
+            : '',
+      current_task: continuation?.currentTask || continuation?.current_task || null,
+      remaining_tasks: remainingTasks,
+      completed_tasks: messages.value
+        .filter((message) => message?.applicationSubmitConfirmed)
+        .map((message) => ({
+          message_id: String(message.id || '').trim(),
+          task_type: 'expense_application'
+        })),
+      pending_application: pendingApplication,
+      pending_steward_action: pendingStewardContext
+        ? {
+            message_id: String(pendingStewardContext.message?.id || '').trim(),
+            action_type: String(pendingStewardContext.action?.action_type || '').trim(),
+            label: String(pendingStewardContext.action?.label || '').trim(),
+            target_task_id: String(pendingActionPayload.steward_next_task_id || pendingActionPayload.target_task_id || '').trim(),
+            payload: pendingActionPayload
+          }
+        : null,
+      pending_slot_action: pendingSlotContext
+        ? {
+            message_id: String(pendingSlotContext.message?.id || '').trim(),
+            field_key: String(pendingSlotPayload.field_key || pendingSlotPayload.fieldKey || '').trim(),
+            label: String(pendingSlotContext.action?.label || '').trim(),
+            payload: pendingSlotPayload
+          }
+        : null
+    }
+  }
+
+  function hasActiveStewardRuntimeDecisionContext(runtimeState = {}) {
+    return Boolean(
+      String(runtimeState?.waiting_for || '').trim() ||
+      runtimeState?.pending_application ||
+      runtimeState?.pending_steward_action ||
+      runtimeState?.pending_slot_action ||
+      runtimeState?.current_task ||
+      (Array.isArray(runtimeState?.remaining_tasks) && runtimeState.remaining_tasks.length > 0) ||
+      (Array.isArray(runtimeState?.completed_tasks) && runtimeState.completed_tasks.length > 0)
+    )
+  }
+
+  function pushStewardRuntimeUserMessage(userText = '') {
+    const normalizedText = String(userText || '').trim()
+    if (!normalizedText) {
+      return false
+    }
+    messages.value.push(createMessage('user', normalizedText))
+    composerDraft.value = ''
+    persistSessionState()
+    nextTick(() => {
+      adjustComposerTextareaHeight()
+      scrollToBottom()
+    })
+    return true
+  }
+
+  function pushStewardRuntimeResponse(userText = '', decision = null, options = {}) {
+    if (userText && !options.userMessageAlreadyAdded) {
+      messages.value.push(createMessage('user', userText))
+    }
+    const text = String(decision?.question || decision?.response_text || decision?.responseText || decision?.rationale || '').trim()
+    if (text) {
+      messages.value.push(createMessage('assistant', text, [], {
+        assistantName: STEWARD_ASSISTANT_NAME,
+        meta: [STEWARD_ASSISTANT_NAME]
+      }))
+    }
+    composerDraft.value = ''
+    persistSessionState()
+    nextTick(() => {
+      adjustComposerTextareaHeight()
+      scrollToBottom()
+    })
+  }
+
+  function buildStewardRuntimeFastPathDecision(rawText = '', runtimeState = {}) {
+    const normalizedText = String(rawText || '').trim()
+    if (!normalizedText) {
+      return null
+    }
+    if (shouldPlanNewStewardTasksLocally(normalizedText, runtimeState)) {
+      return {
+        next_action: 'plan_new_tasks'
+      }
+    }
+    if (isStewardRuntimeCancelText(normalizedText)) {
+      return {
+        next_action: 'cancel_current_action',
+        response_text: '已暂停当前等待动作。我不会继续提交或进入下一步；如果你要重新规划，请直接告诉我新的财务事项。'
+      }
+    }
+    const slotContext = findPendingSlotSuggestedActionContextByInput(normalizedText)
+    const payload = slotContext?.action?.payload && typeof slotContext.action.payload === 'object'
+      ? slotContext.action.payload
+      : {}
+    if (slotContext) {
+      return {
+        next_action: 'fill_current_slot',
+        target_message_id: String(slotContext.message?.id || '').trim(),
+        field_key: String(payload.field_key || payload.fieldKey || '').trim(),
+        field_value: String(payload.value || slotContext.action?.label || normalizedText).trim()
+      }
+    }
+    if (isApplicationSubmitConfirmationText(normalizedText) || isStewardRuntimeContinueText(normalizedText)) {
+      if (runtimeState?.pending_application?.ready_to_submit) {
+        return {
+          next_action: 'submit_current_application',
+          target_message_id: runtimeState.pending_application.message_id || ''
+        }
+      }
+      if (runtimeState?.pending_steward_action) {
+        return {
+          next_action: 'continue_next_task',
+          target_message_id: runtimeState.pending_steward_action.message_id || '',
+          target_task_id: runtimeState.pending_steward_action.target_task_id || ''
+        }
+      }
+    }
+    if (String(runtimeState?.waiting_for || '').trim() === 'application_field_completion') {
+      if (isApplicationSubmitConfirmationText(normalizedText) || isStewardRuntimeContinueText(normalizedText)) {
+        const missingFields = Array.isArray(runtimeState?.pending_application?.missing_fields)
+          ? runtimeState.pending_application.missing_fields
+          : []
+        return {
+          next_action: 'ask_user',
+          response_text: missingFields.length
+            ? `当前申请还不能继续提交，请先补充：${missingFields.join('、')}。你可以直接回复对应选项或填写具体内容。`
+            : '当前申请还有信息需要先补充。请先回复系统刚刚追问的内容，我再继续生成核对结果。'
+        }
+      }
+    }
+    return null
+  }
+
+  function shouldUseStewardRuntimeLlmDecision(rawText = '', runtimeState = {}) {
+    if (shouldPlanNewStewardTasksLocally(rawText, runtimeState)) {
+      return false
+    }
+    const normalizedText = normalizeStewardRuntimeInputText(rawText)
+    if (!normalizedText) {
+      return false
+    }
+    if (
+      isApplicationSubmitConfirmationText(normalizedText) ||
+      isStewardRuntimeContinueText(normalizedText) ||
+      isStewardRuntimeCancelText(normalizedText)
+    ) {
+      return false
+    }
+    if (
+      findPendingSlotSuggestedActionContextByInput(normalizedText)
+    ) {
+      return false
+    }
+    return true
+  }
+
+  async function executeStewardRuntimeDecision(decision = null, rawText = '', options = {}) {
+    const nextAction = String(decision?.next_action || decision?.nextAction || '').trim()
+    const userMessageAlreadyAdded = Boolean(options.userMessageAlreadyAdded)
+    if (nextAction === 'submit_current_application') {
+      const targetMessageId = String(decision?.target_message_id || decision?.targetMessageId || '').trim()
+      const targetMessage = targetMessageId
+        ? messages.value.find((message) => String(message.id || '') === targetMessageId)
+        : findPendingApplicationSubmitMessage()
+      if (!targetMessage?.applicationPreview) {
+        return false
+      }
+      const normalizedPreview = normalizeApplicationPreview(targetMessage.applicationPreview)
+      if (!normalizedPreview.readyToSubmit) {
+        pushApplicationSubmitBlockedMessage(rawText, targetMessage, { userMessageAlreadyAdded })
+        return true
+      }
+      targetMessage.applicationPreview = normalizedPreview
+      applicationSubmitConfirmDialog.value = { open: true, message: targetMessage }
+      await confirmApplicationSubmit({ userText: rawText, skipUserMessage: userMessageAlreadyAdded })
+      return true
+    }
+    if (nextAction === 'continue_next_task') {
+      const context = findPendingStewardSuggestedActionContext(decision)
+      if (!context) {
+        return false
+      }
+      if (rawText && !userMessageAlreadyAdded) {
+        messages.value.push(createMessage('user', rawText))
+      }
+      context.action.confirmedByText = true
+      composerDraft.value = ''
+      persistSessionState()
+      nextTick(() => {
+        adjustComposerTextareaHeight()
+        scrollToBottom()
+      })
+      await handleSuggestedAction(context.message, context.action)
+      return true
+    }
+    if (nextAction === 'fill_current_slot') {
+      const context = findPendingSlotSuggestedActionContext(decision)
+      if (!context) {
+        return false
+      }
+      await handleSuggestedAction(context.message, {
+        ...context.action,
+        label: String(decision?.field_value || decision?.fieldValue || context.action.label || '').trim(),
+        suppressUserEcho: userMessageAlreadyAdded
+      })
+      return true
+    }
+    if (nextAction === 'ask_user' || nextAction === 'cancel_current_action' || nextAction === 'no_op') {
+      pushStewardRuntimeResponse(rawText, decision, { userMessageAlreadyAdded })
+      return true
+    }
+    return false
+  }
+
+  async function handleStewardRuntimeDecision(options = {}) {
+    if (!isStewardSession.value || options.skipStewardPlan) {
+      return false
+    }
+    const rawText = String(options.rawText ?? composerDraft.value ?? '').trim()
+    const files = Array.from(options.files ?? attachedFiles.value ?? [])
+    if (!rawText || files.length) {
+      return false
+    }
+    const runtimeState = buildStewardRuntimeState()
+    if (!hasActiveStewardRuntimeDecisionContext(runtimeState)) {
+      return false
+    }
+    const userMessageAlreadyAdded = options.skipUserMessage
+      ? false
+      : pushStewardRuntimeUserMessage(rawText)
+    try {
+      const fastDecision = buildStewardRuntimeFastPathDecision(rawText, runtimeState)
+      if (fastDecision) {
+        if (String(fastDecision.next_action || fastDecision.nextAction || '').trim() === 'plan_new_tasks') {
+          await submitStewardPlan({
+            ...options,
+            rawText,
+            userText: rawText,
+            skipUserMessage: userMessageAlreadyAdded || options.skipUserMessage
+          })
+          return true
+        }
+        const fastExecuted = await executeStewardRuntimeDecision(fastDecision, rawText, { userMessageAlreadyAdded })
+        if (fastExecuted) {
+          return true
+        }
+      }
+      if (!shouldUseStewardRuntimeLlmDecision(rawText, runtimeState)) {
+        if (userMessageAlreadyAdded) {
+          pushStewardRuntimeResponse('', {
+            response_text: '我还需要先确认当前等待项。请回复系统刚刚追问的选项或具体补充内容。'
+          }, { userMessageAlreadyAdded: true })
+          return true
+        }
+        return false
+      }
+      const decision = await fetchStewardRuntimeDecision({
+        user_message: rawText,
+        session_type: SESSION_TYPE_STEWARD,
+        runtime_state: runtimeState,
+        context_json: {
+          entry_source: props.entrySource,
+          user_id: resolveCurrentUserId()
+        }
+      }, {
+        timeoutMs: 45000,
+        timeoutMessage: '小财管家运行时决策超时，已回到当前上下文兜底处理。'
+      })
+      if (String(decision?.next_action || decision?.nextAction || '').trim() === 'plan_new_tasks') {
+        await submitStewardPlan({
+          ...options,
+          rawText,
+          userText: rawText,
+          skipUserMessage: userMessageAlreadyAdded || options.skipUserMessage
+        })
+        return true
+      }
+      const executed = await executeStewardRuntimeDecision(decision, rawText, { userMessageAlreadyAdded })
+      if (executed) {
+        return true
+      }
+      if (userMessageAlreadyAdded) {
+        await submitStewardPlan({
+          ...options,
+          rawText,
+          userText: rawText,
+          skipUserMessage: true
+        })
+        return true
+      }
+      return false
+    } catch (error) {
+      console.warn('Steward runtime decision failed:', error)
+      if (userMessageAlreadyAdded) {
+        await submitStewardPlan({
+          ...options,
+          rawText,
+          userText: rawText,
+          skipUserMessage: true
+        })
+        return true
+      }
+      return false
+    }
+  }
+
+  function openApplicationSubmitConfirm(message) {
+    if (!message) {
+      return
+    }
+    if (message.applicationPreview) {
+      const normalizedPreview = normalizeApplicationPreview(message.applicationPreview)
+      message.applicationPreview = normalizedPreview
+      message.text = buildLocalApplicationPreviewMessage(normalizedPreview)
+      if (!normalizedPreview.readyToSubmit) {
+        const validationIssues = Array.isArray(normalizedPreview.validationIssues)
+          ? normalizedPreview.validationIssues
+          : []
+        toast(
+          validationIssues.length
+            ? validationIssues[0].message
+            : `请先补充：${normalizedPreview.missingFields.join('、')}。`
+        )
+        persistSessionState()
+        return
+      }
+    }
+    applicationSubmitConfirmDialog.value = {
+      open: true,
+      message
+    }
+  }
+
+  function closeApplicationSubmitConfirm() {
+    if (reviewActionBusy.value) {
+      return
+    }
+    applicationSubmitConfirmDialog.value = {
+      open: false,
+      message: null
+    }
+  }
+
+  function resolveApplicationEditClaimId() {
+    if (activeSessionType.value !== SESSION_TYPE_APPLICATION) {
+      return ''
+    }
+    const request = linkedRequest.value || {}
+    if (!request.applicationEditMode) {
+      return ''
+    }
+    return String(request.claimId || request.claim_id || '').trim()
+  }
+
+  async function confirmApplicationSubmit(options = {}) {
+    const message = applicationSubmitConfirmDialog.value.message
+    if (!message || submitting.value || reviewActionBusy.value) {
+      return
+    }
+    const applicationPreview = message?.applicationPreview && typeof message.applicationPreview === 'object'
+      ? normalizeApplicationPreview(message.applicationPreview)
+      : null
+    const applicationSubmitText = applicationPreview
+      ? buildApplicationPreviewSubmitText(applicationPreview)
+      : '确认提交'
+    const applicationEditClaimId = resolveApplicationEditClaimId()
+    applicationSubmitConfirmDialog.value = {
+      open: false,
+      message: null
+    }
+    const stewardSubmitContinuation = message?.stewardContinuation || null
+    reviewActionBusy.value = true
+    try {
+      const payload = await submitComposer({
+        rawText: applicationSubmitText,
+        userText: String(options.userText || '').trim() || '确认提交',
+        skipUserMessage: Boolean(options.skipUserMessage),
+        pendingText: '正在提交费用申请...',
+        systemGenerated: true,
+        skipScopeGuard: true,
+        skipStewardPlan: true,
+        stewardContinuation: stewardSubmitContinuation,
+        sessionTypeOverride: SESSION_TYPE_APPLICATION,
+        feedbackOperationType: 'submit_application',
+        extraContext: {
+          application_preview: applicationPreview,
+          user_input_text: applicationSubmitText,
+          ...(applicationEditClaimId
+            ? {
+                application_edit_claim_id: applicationEditClaimId,
+                application_edit_claim_no: String(linkedRequest.value?.claimNo || linkedRequest.value?.id || '').trim(),
+                application_edit_mode: true,
+                draft_claim_id: applicationEditClaimId,
+                selected_claim_id: applicationEditClaimId
+              }
+            : {})
+        }
+      })
+      const draftPayload = payload?.result?.draft_payload || {}
+      const claimNo = String(draftPayload.claim_no || '').trim()
+      const claimId = String(draftPayload.claim_id || '').trim()
+      if (String(payload?.status || '').trim() === 'succeeded' && (claimNo || claimId)) {
+        message.applicationSubmitConfirmed = true
+        emit('draft-saved', {
+          claimId,
+          claimNo,
+          status: 'submitted',
+          approvalStage: String(draftPayload.approval_stage || '直属领导审批').trim(),
+          documentType: 'application'
+        })
+      }
+      const planningText = buildTravelPlanningNudgeMessage(applicationPreview, draftPayload)
+      const planningActions = buildTravelPlanningSuggestedActions(applicationPreview, draftPayload).map((action) => ({
+        ...action,
+        payload: {
+          ...(action.payload || {}),
+          applicationPreview,
+          draftPayload
+        }
+      }))
+      if (planningText && planningActions.length) {
+        messages.value.push(createMessage('assistant', planningText, [], {
+          meta: ['行程规划推荐'],
+          suggestedActions: planningActions
+        }))
+        persistSessionState()
+        nextTick(scrollToBottom)
+      }
+      const stewardFollowup = buildStewardContinuationAfterAction({
+        createMessage,
+        message,
+        completedLabel: '申请单已完成'
+      })
+      if (stewardFollowup) {
+        await pushStewardContinuationMessage({
+          finalMessage: stewardFollowup,
+          messages,
+          nextTick,
+          persistSessionState,
+          scrollToBottom
+        })
+      }
+    } finally {
+      reviewActionBusy.value = false
+    }
+  }
+
+  return {
+    closeApplicationSubmitConfirm,
+    confirmApplicationSubmit,
+    handleApplicationSubmitConfirmationText,
+    handleStewardRuntimeDecision,
+    isApplicationSubmitConfirmationText,
+    openApplicationSubmitConfirm,
+    resolveStewardMissingFieldItems
+  }
+}
--- a/web/src/views/scripts/useTravelReimbursementSubmitComposer.js
+++ b/web/src/views/scripts/useTravelReimbursementSubmitComposer.js
@@ -17,9 +17,9 @@ import {
  normalizeApplicationPreview,
  normalizeTransportModeOption,
  resolveApplicationDateRange,
+  shouldRequireApplicationModelReview,
  shouldUseLocalApplicationPreview
 } from '../../utils/expenseApplicationPreview.js'
-import { waitForMockApplicationTransportQuote } from '../../utils/expenseApplicationEstimate.js'
 import { fetchOntologyParse } from '../../services/ontology.js'
 import { buildExpenseApplicationOntologyContext } from '../../utils/expenseApplicationOntology.js'
 import { calculateTravelReimbursement } from '../../services/reimbursements.js'
@@ -29,11 +29,11 @@ import {
  handleBudgetCompileReportSubmit,
  shouldUseBudgetCompileReport
 } from './budgetAssistantReportModel.js'
+import { resolveStewardTypewriterNextIndex } from './stewardTypewriter.js'

 const STEWARD_ASSISTANT_NAME = '小财管家'
 const STEWARD_DELEGATED_TYPEWRITER_INTERVAL_MS = 10
 const STEWARD_DELEGATED_THINKING_INTERVAL_MS = 8
-const STEWARD_DELEGATED_TYPEWRITER_CHUNK_SIZE = 4
 const STEWARD_DELEGATED_THINKING_CHUNK_SIZE = 5
 const APPLICATION_PREVIEW_FIELD_ACTION_SET = 'set_application_preview_field'

@@ -44,6 +44,13 @@ const APPLICATION_PREVIEW_ONTOLOGY_FIELD_MAP = {
  reason: 'reason',
  amount: 'amount',
  transportMode: 'transport_mode',
+  transportEstimatedAmount: 'transport_estimated_amount',
+  trainEstimatedAmount: 'train_estimated_amount',
+  flightEstimatedAmount: 'flight_estimated_amount',
+  hotelAmount: 'hotel_amount',
+  allowanceAmount: 'allowance_amount',
+  policyTotalAmount: 'policy_total_amount',
+  reimbursementAmount: 'reimbursement_amount',
  department: 'department_name',
  applicant: 'employee_name',
  grade: 'employee_grade'
@@ -75,6 +82,13 @@ const ONTOLOGY_FIELD_APPLICATION_PREVIEW_KEY_MAP = {
  reason: 'reason',
  amount: 'amount',
  transport_mode: 'transportMode',
+  transport_estimated_amount: 'transportEstimatedAmount',
+  train_estimated_amount: 'trainEstimatedAmount',
+  flight_estimated_amount: 'flightEstimatedAmount',
+  hotel_amount: 'hotelAmount',
+  allowance_amount: 'allowanceAmount',
+  policy_total_amount: 'policyTotalAmount',
+  reimbursement_amount: 'reimbursementAmount',
  department_name: 'department',
  employee_name: 'applicant',
  employee_grade: 'grade'
@@ -87,6 +101,13 @@ const ONTOLOGY_FIELD_DISPLAY_LABEL_MAP = {
  reason: '事由',
  amount: '金额',
  transport_mode: '出行方式',
+  transport_estimated_amount: '交通费用预估',
+  train_estimated_amount: '火车费用预估',
+  flight_estimated_amount: '飞机费用预估',
+  hotel_amount: '住宿测算金额',
+  allowance_amount: '出差补贴金额',
+  policy_total_amount: '规则测算合计',
+  reimbursement_amount: '实际报销金额',
  attachments: '附件/凭证',
  customer_name: '客户或项目对象',
  merchant_name: '商户/开票方',
@@ -97,6 +118,13 @@ const ONTOLOGY_FIELD_DISPLAY_LABEL_MAP = {

 const APPLICATION_NON_BLOCKING_ONTOLOGY_FIELDS = new Set([
  'amount',
+  'transport_estimated_amount',
+  'train_estimated_amount',
+  'flight_estimated_amount',
+  'hotel_amount',
+  'allowance_amount',
+  'policy_total_amount',
+  'reimbursement_amount',
  'attachments',
  'employee_no',
  'department_name',
@@ -600,24 +628,11 @@ export function useTravelReimbursementSubmitComposer(ctx) {

    function buildStewardApplicationPreviewMessage(preview = {}, fallbackText = '') {
      const normalized = normalizeApplicationPreview(preview)
-      const fields = normalized.fields || {}
      const missingFields = resolveBlockingApplicationMissingFieldsForSteward(normalized)
      if (!missingFields.length) {
        return fallbackText
      }

-      if (missingFields.includes('出行方式')) {
-        return [
-          '我已经识别出这一步要先处理出差申请，但现在还不能生成可提交的申请核对表。',
-          '',
-          '**原因是：还缺少“出行方式”。**',
-          '',
-          `本次申请是前往${fields.location || '目的地'}的差旅事项，出行方式会影响交通费用口径和系统预估金额。`,
-          '',
-          '请先告诉我你打算怎么出行：**火车、飞机或轮船**。我会根据你的选择生成申请核对表并同步费用测算，再继续判断是否可以提交申请。'
-        ].join('\n')
-      }
-
      return [
        '我已经识别出这一步要先处理申请单，但现在还不能生成可提交的申请核对表。',
        '',
@@ -710,13 +725,10 @@ export function useTravelReimbursementSubmitComposer(ctx) {
        }
      ]
      if (missingInfo) {
-        const transportMissing = /出行方式/.test(missingInfo)
        events.push({
          eventId: `${eventPrefix}-gap`,
          title: '判断待补充信息',
-          content: transportMissing
-            ? '这一步还没有说明出行方式。出行方式会影响交通费用测算，所以我会先问你选择火车、飞机或轮船，不会直接推进提交。'
-            : `这一步还缺少${missingInfo}，我会先向你确认这些信息，不直接推进提交。`
+          content: `这一步还缺少${missingInfo}，我会先向你确认这些信息，不直接推进提交。`
        })
      } else {
        events.push({
@@ -809,13 +821,11 @@ export function useTravelReimbursementSubmitComposer(ctx) {
      const chars = Array.from(text)
      for (let index = 0; index < chars.length;) {
        await waitStewardDelegatedTick(STEWARD_DELEGATED_TYPEWRITER_INTERVAL_MS)
-        index = Math.min(chars.length, index + STEWARD_DELEGATED_TYPEWRITER_CHUNK_SIZE)
+        index = resolveStewardTypewriterNextIndex(chars, index)
        message.text = chars.slice(0, index).join('')
        message.meta = [STEWARD_ASSISTANT_NAME, '输出中']
        message.stewardPlan = buildStewardDelegatedPlan(continuation, [...typedEvents], 'typing')
-        if (index % STEWARD_DELEGATED_TYPEWRITER_CHUNK_SIZE === 0 || index === chars.length) {
-          nextTick(scrollToBottom)
-        }
+        nextTick(scrollToBottom)
      }

      Object.assign(message, finalExtras, {
@@ -839,13 +849,39 @@ export function useTravelReimbursementSubmitComposer(ctx) {
      }
    }

+    function isApplicationDraftPayload(draftPayload) {
+      return String(draftPayload?.draft_type || '').trim() === 'expense_application'
+    }
+
    function isSubmittedApplicationDraftPayload(draftPayload) {
      return (
-        String(draftPayload?.draft_type || '').trim() === 'expense_application'
+        isApplicationDraftPayload(draftPayload)
        && String(draftPayload?.status || '').trim() === 'submitted'
      )
    }

+    function shouldExposeReviewPayloadForMessage(payload, options = {}) {
+      const result = payload?.result && typeof payload.result === 'object' ? payload.result : {}
+      if (options.isApplicationSubmitOperation || isApplicationDraftPayload(result.draft_payload)) {
+        return false
+      }
+      return true
+    }
+
+    function buildPresentationPayload(payload, { exposeReviewPayload = true } = {}) {
+      if (exposeReviewPayload) {
+        return payload
+      }
+      const result = payload?.result && typeof payload.result === 'object' ? payload.result : {}
+      return {
+        ...payload,
+        result: {
+          ...result,
+          review_payload: null
+        }
+      }
+    }
+
    function buildOperationFeedbackState(context) {
      if (!context) {
        return null
@@ -1190,12 +1226,6 @@ export function useTravelReimbursementSubmitComposer(ctx) {
          return preview
        }
        try {
-          const fields = preview?.fields || {}
-          await waitForMockApplicationTransportQuote({
-            transportMode: fields.transportMode,
-            location: fields.location,
-            time: fields.time
-          })
          const result = await calculateTravelReimbursement(estimateRequest.payload)
          return applyApplicationPolicyEstimateResult(preview, result, user)
        } catch (error) {
@@ -1204,7 +1234,8 @@ export function useTravelReimbursementSubmitComposer(ctx) {
        }
      }

-      if (options.skipModelReview) {
+      const requireModelReview = shouldRequireApplicationModelReview(rawText)
+      if (options.skipModelReview && !requireModelReview) {
        return {
          applicationPreview: await enrichWithPolicyEstimate({
            ...localPreview,
@@ -2042,24 +2073,31 @@ export function useTravelReimbursementSubmitComposer(ctx) {
              operationType: feedbackOperationType || reviewActionResult || (files.length ? 'attachment_review' : 'assistant_round')
            })
          : null
-        const assistantMessage = createMessage('assistant', resolveAssistantResultText(payload, fallbackAnswer), [], {
-          meta: buildMessageMeta(payload, effectiveFileNames),
-          citations: Array.isArray(payload?.result?.citations) ? payload.result.citations : [],
-          suggestedActions: Array.isArray(payload?.result?.suggested_actions)
-            ? payload.result.suggested_actions
-            : [],
-          queryPayload: normalizeExpenseQueryPayload(payload?.result?.query_payload),
-          draftPayload: payload?.result?.draft_payload || null,
-          reviewPayload: payload?.result?.review_payload || null,
+        const exposeReviewPayload = shouldExposeReviewPayloadForMessage(payload, { isApplicationSubmitOperation })
+        const presentationPayload = buildPresentationPayload(payload, { exposeReviewPayload })
+        const presentationResult = presentationPayload?.result && typeof presentationPayload.result === 'object'
+          ? presentationPayload.result
+          : {}
+        const resultReviewPayload = presentationResult.review_payload || null
+        const resultSuggestedActions = exposeReviewPayload && Array.isArray(presentationResult.suggested_actions)
+          ? presentationResult.suggested_actions
+          : []
+        const assistantMessage = createMessage('assistant', resolveAssistantResultText(presentationPayload, fallbackAnswer), [], {
+          meta: buildMessageMeta(presentationPayload, effectiveFileNames),
+          citations: Array.isArray(presentationResult.citations) ? presentationResult.citations : [],
+          suggestedActions: resultSuggestedActions,
+          queryPayload: normalizeExpenseQueryPayload(presentationResult.query_payload),
+          draftPayload: presentationResult.draft_payload || null,
+          reviewPayload: resultReviewPayload,
          reviewPanelScope: stewardDelegated
            ? ''
            : resolveReviewPanelScope({
-                reviewPayload: payload?.result?.review_payload || null,
+                reviewPayload: resultReviewPayload,
                reviewAction: reviewActionResult,
                fileCount: files.length,
                rawText
              }),
-          riskFlags: Array.isArray(payload?.result?.risk_flags) ? payload.result.risk_flags : [],
+          riskFlags: Array.isArray(presentationResult.risk_flags) ? presentationResult.risk_flags : [],
          operationFeedback: buildOperationFeedbackState(operationFeedbackContext),
          assistantName: stewardDelegated ? STEWARD_ASSISTANT_NAME : undefined,
          stewardContinuation: options.stewardContinuation || null
@@ -2084,7 +2122,7 @@ export function useTravelReimbursementSubmitComposer(ctx) {
        } else {
          replaceMessage(pendingMessage.id, assistantMessage)
          const nextInsight = buildAgentInsight(
-            payload,
+            presentationPayload,
            effectiveFileNames,
            mergeFilePreviews(filePreviews, ocrFilePreviews)
          )
--- a/web/src/views/scripts/useTravelReimbursementSuggestedActions.js
+++ b/web/src/views/scripts/useTravelReimbursementSuggestedActions.js
@@ -0,0 +1,447 @@
+import {
+  APPLICATION_TRANSPORT_MODE_OPTIONS,
+  normalizeApplicationPreview,
+  normalizeTransportModeOption
+} from '../../utils/expenseApplicationPreview.js'
+import {
+  mergeComposerPrefill,
+  resolveSuggestedActionPrefill
+} from '../../utils/assistantSuggestedActionPrefill.js'
+import { ASSISTANT_SCOPE_ACTION_SWITCH } from '../../utils/assistantSessionScope.js'
+import { buildSuggestedActionKey } from '../../utils/suggestedActionKey.js'
+import {
+  TRAVEL_PLANNING_ACTION_GENERATE,
+  TRAVEL_PLANNING_ACTION_SKIP,
+  buildTravelPlanningRecommendation
+} from '../../utils/travelApplicationPlanning.js'
+import {
+  SESSION_TYPE_APPLICATION,
+  SESSION_TYPE_BUDGET,
+  canUseBudgetAssistantSession
+} from './travelReimbursementConversationModel.js'
+import { STEWARD_ASSISTANT_NAME } from './useTravelReimbursementStewardRuntime.js'
+import {
+  buildStewardFieldCompletionContinuation,
+  buildStewardFieldCompletionRawText
+} from './stewardFieldCompletionModel.js'
+import { MAX_ATTACHMENTS, VISIBLE_ATTACHMENT_CHIPS } from './travelReimbursementAttachmentModel.js'
+
+export const APPLICATION_PREVIEW_FIELD_ACTION_SET = 'set_application_preview_field'
+
+export function useTravelReimbursementSuggestedActions({
+  applicationPreviewEditor,
+  attachedFiles,
+  buildExpenseSceneSelectionActions,
+  buildExpenseSceneSelectionMessage,
+  commitApplicationPreviewEditor,
+  composerDraft,
+  composerFilesExpanded,
+  composerTextareaRef,
+  createMessage,
+  currentUser,
+  emit,
+  handleGuidedShortcut,
+  handleGuidedSuggestedAction,
+  handleSceneSelectionApplicationGate,
+  lockSuggestedActionMessage,
+  mergeFilesWithLimit,
+  messages,
+  nextTick,
+  openApplicationPreviewEditor,
+  persistSessionState,
+  resolveApplicationPreviewMissingFields,
+  reviewActionBusy,
+  router,
+  scrollToBottom,
+  sessionSwitchBusy,
+  startExpenseSceneSelectionAfterIntentConfirmation,
+  submitComposer,
+  submitComposerInternal,
+  submitting,
+  switchSessionType,
+  toast,
+  adjustComposerTextareaHeight
+}) {
+  async function runShortcut(shortcut) {
+    if (shortcut?.action === 'switch_view' && shortcut?.targetSessionType) {
+      if (shortcut.targetSessionType === SESSION_TYPE_BUDGET && !canUseBudgetAssistantSession(currentUser.value)) {
+        toast('目前暂无权限访问预算编制助手')
+        return
+      }
+      if (shortcut.active) {
+        return
+      }
+      await switchSessionType(shortcut.targetSessionType)
+      return
+    }
+    if (await handleGuidedShortcut(shortcut)) {
+      return
+    }
+
+    const prompt = String(shortcut?.prompt || '').trim()
+    if (!prompt) return
+    composerDraft.value = prompt
+    submitComposer()
+  }
+
+  function isSuggestedActionSelected(message, action) {
+    const selectedKey = String(message?.selectedSuggestedActionKey || '').trim()
+    return Boolean(selectedKey) && selectedKey === buildSuggestedActionKey(action)
+  }
+
+  function buildApplicationPreviewFieldAppliedText(message, fieldLabel = '', value = '') {
+    const missingFields = resolveApplicationPreviewMissingFields(message)
+    const resolvedFieldLabel = String(fieldLabel || '补充项').trim()
+    const resolvedValue = String(value || '').trim()
+    if (missingFields.length) {
+      return [
+        `已更新：**${resolvedFieldLabel}：${resolvedValue}**。`,
+        '',
+        `我重新检查了一遍，当前还需要补充：**${missingFields.join('、')}**。`,
+        '',
+        '请继续补齐下方核对表里的待补充项；补齐后我再继续推进申请提交。'
+      ].join('\n')
+    }
+    return [
+      `已更新：**${resolvedFieldLabel}：${resolvedValue}**。`,
+      '',
+      '我已经重新同步下方申请核对表和费用测算。',
+      '',
+      '请继续核查表格内容；如果信息无误，点击确认进入审批环节。'
+    ].join('\n')
+  }
+
+  function isStewardApplicationPreviewFieldCompletion(targetMessage, payload = {}) {
+    return Boolean(
+      payload.steward_delegated_field_completion ||
+      String(targetMessage?.assistantName || '').trim() === STEWARD_ASSISTANT_NAME ||
+      targetMessage?.stewardPlan
+    )
+  }
+
+  async function continueStewardApplicationFieldCompletion({
+    targetMessage,
+    action,
+    sourcePreview,
+    fieldKey,
+    fieldLabel,
+    value
+  }) {
+    if (!lockSuggestedActionMessage(targetMessage, action)) {
+      return true
+    }
+
+    const continuation = buildStewardFieldCompletionContinuation(
+      targetMessage?.stewardContinuation || null,
+      fieldKey,
+      value
+    )
+    const userText = `选择${fieldLabel || '补充项'}：${value}`
+    const carryText = buildStewardFieldCompletionRawText({
+      preview: sourcePreview,
+      fieldKey,
+      fieldLabel,
+      value,
+      continuation
+    })
+
+    if (!action?.suppressUserEcho) {
+      messages.value.push(createMessage('user', userText))
+    }
+    persistSessionState()
+    nextTick(scrollToBottom)
+
+    await submitComposerInternal({
+      rawText: carryText,
+      userText,
+      pendingText: '小财管家正在根据补齐信息查询票据并测算费用...',
+      files: [],
+      skipScopeGuard: true,
+      skipApplicationModelReview: true,
+      skipStewardPlan: true,
+      skipUserMessage: true,
+      sessionTypeOverride: SESSION_TYPE_APPLICATION,
+      stewardContinuation: continuation
+    })
+    return true
+  }
+
+  async function applyApplicationPreviewFieldAction(message, action) {
+    const payload = action?.payload && typeof action.payload === 'object' ? action.payload : {}
+    const fieldKey = String(payload.field_key || payload.fieldKey || '').trim()
+    const fieldLabel = String(payload.field_label || payload.fieldLabel || action?.label || '').trim()
+    let value = String(payload.value || action?.label || '').trim()
+    const targetMessage = messages.value.find((item) => String(item.id || '') === String(message?.id || '')) || message
+    const sourcePreview = targetMessage?.applicationPreview ||
+      payload.applicationPreview ||
+      payload.application_preview ||
+      payload.preview ||
+      null
+    if (!sourcePreview || !fieldKey || !value) {
+      return false
+    }
+    if (fieldKey === 'transportMode') {
+      value = normalizeTransportModeOption(value, '')
+    }
+    if (fieldKey === 'transportMode' && !APPLICATION_TRANSPORT_MODE_OPTIONS.includes(value)) {
+      toast('请选择有效的出行方式。')
+      return true
+    }
+    if (isStewardApplicationPreviewFieldCompletion(targetMessage, payload)) {
+      return continueStewardApplicationFieldCompletion({
+        targetMessage,
+        action,
+        sourcePreview,
+        fieldKey,
+        fieldLabel,
+        value
+      })
+    }
+    if (!lockSuggestedActionMessage(targetMessage, action)) {
+      return true
+    }
+
+    targetMessage.applicationPreview = normalizeApplicationPreview(sourcePreview)
+    messages.value.push(createMessage('user', `选择${fieldLabel || '补充项'}：${value}`))
+    openApplicationPreviewEditor(targetMessage, fieldKey, targetMessage.applicationPreview?.fields?.[fieldKey] || '')
+    applicationPreviewEditor.value = {
+      ...applicationPreviewEditor.value,
+      draftValue: value
+    }
+    await commitApplicationPreviewEditor(targetMessage)
+    if (String(targetMessage.assistantName || '').trim() === STEWARD_ASSISTANT_NAME || targetMessage.stewardPlan) {
+      targetMessage.assistantName = STEWARD_ASSISTANT_NAME
+      targetMessage.text = buildApplicationPreviewFieldAppliedText(targetMessage, fieldLabel, value)
+      const nextMeta = Array.isArray(targetMessage.meta) ? targetMessage.meta : []
+      targetMessage.meta = Array.from(new Set([
+        STEWARD_ASSISTANT_NAME,
+        resolveApplicationPreviewMissingFields(targetMessage).length ? '等待补充' : '等待用户确认',
+        ...nextMeta.filter((item) => String(item || '').trim() && item !== STEWARD_ASSISTANT_NAME)
+      ])).slice(0, 4)
+    }
+    persistSessionState()
+    nextTick(scrollToBottom)
+    return true
+  }
+
+  function pushExpenseSceneSelectionPrompt(originalMessage) {
+    const sourceText = String(originalMessage || '').trim()
+    if (!sourceText) {
+      return
+    }
+
+    startExpenseSceneSelectionAfterIntentConfirmation(sourceText)
+    messages.value.push(createMessage('user', '我要报销'))
+    messages.value.push(createMessage('assistant', buildExpenseSceneSelectionMessage(sourceText), [], {
+      meta: ['等待选择场景'],
+      suggestedActions: buildExpenseSceneSelectionActions(sourceText)
+    }))
+    nextTick(scrollToBottom)
+    persistSessionState()
+  }
+
+  function applySuggestedActionPrefill(action) {
+    const prefillText = resolveSuggestedActionPrefill(action)
+    if (!prefillText) {
+      return false
+    }
+
+    composerDraft.value = mergeComposerPrefill(composerDraft.value, prefillText)
+    nextTick(() => {
+      adjustComposerTextareaHeight()
+      composerTextareaRef.value?.focus()
+    })
+    persistSessionState()
+    return true
+  }
+
+  async function handleSuggestedAction(message, action) {
+    const actionType = String(action?.action_type || '').trim()
+    if (!actionType || submitting.value || reviewActionBusy.value || sessionSwitchBusy.value) return
+    if (message?.suggestedActionsLocked) return
+    if (applySuggestedActionPrefill(action)) return
+    if (await handleGuidedSuggestedAction(message, action)) return
+    if (await handleSceneSelectionApplicationGate(message, action)) return
+
+    if (actionType === APPLICATION_PREVIEW_FIELD_ACTION_SET) {
+      await applyApplicationPreviewFieldAction(message, action)
+      return
+    }
+
+    if (actionType === 'open_application_detail') {
+      const actionPayload = action?.payload && typeof action.payload === 'object' ? action.payload : {}
+      const claimId = String(actionPayload.claim_id || actionPayload.claimId || '').trim()
+      if (!claimId) {
+        toast('当前没有可查看的申请单据。')
+        return
+      }
+      if (!lockSuggestedActionMessage(message, action)) return
+      await router.push({
+        name: 'app-document-detail',
+        params: { requestId: claimId }
+      })
+      emit('close')
+      return
+    }
+
+    if (actionType === 'open_receipt_folder') {
+      if (!lockSuggestedActionMessage(message, action)) return
+      await router.push({ name: 'app-receiptFolder' })
+      emit('close')
+      return
+    }
+
+    if (actionType === 'continue_upload_with_unlinked_receipts') {
+      if (!lockSuggestedActionMessage(message, action)) return
+      const actionPayload = action?.payload && typeof action.payload === 'object' ? action.payload : {}
+      await submitComposer({
+        rawText: String(actionPayload.raw_text || composerDraft.value || '').trim(),
+        files: Array.from(attachedFiles.value || []),
+        skipReceiptFolderUnlinkedPrompt: true
+      })
+      return
+    }
+
+    if (actionType === TRAVEL_PLANNING_ACTION_GENERATE) {
+      if (!lockSuggestedActionMessage(message, action)) return
+      const sourcePreview = action?.payload?.applicationPreview || action?.payload?.preview || null
+      const sourceDraftPayload = action?.payload?.draftPayload || action?.payload?.draft_payload || null
+      const recommendation = buildTravelPlanningRecommendation(sourcePreview, sourceDraftPayload)
+      if (recommendation) {
+        messages.value.push(createMessage('user', '生成行程规划'))
+        messages.value.push(createMessage('assistant', recommendation, [], {
+          meta: ['行程规划建议']
+        }))
+        nextTick(scrollToBottom)
+        persistSessionState()
+      }
+      return
+    }
+
+    if (actionType === TRAVEL_PLANNING_ACTION_SKIP) {
+      if (!lockSuggestedActionMessage(message, action)) return
+      messages.value.push(createMessage('assistant', '好的，本次先保留申请结果。后续需要规划交通或酒店时，可以继续在这里告诉我。', [], {
+        meta: ['暂不规划']
+      }))
+      nextTick(scrollToBottom)
+      persistSessionState()
+      return
+    }
+
+    if (actionType === ASSISTANT_SCOPE_ACTION_SWITCH) {
+      const actionPayload = action?.payload && typeof action.payload === 'object' ? action.payload : {}
+      const targetSessionType = String(actionPayload.session_type || '').trim()
+      if (!targetSessionType) return
+      if (targetSessionType === SESSION_TYPE_BUDGET && !canUseBudgetAssistantSession(currentUser.value)) {
+        toast('目前暂无权限访问预算编制助手')
+        return
+      }
+      const carryText = String(actionPayload.carry_text || '').trim()
+      const carryFiles = actionPayload.carry_files ? Array.from(attachedFiles.value || []) : []
+      if (!lockSuggestedActionMessage(message, action)) return
+      if (String(actionPayload.steward_plan_id || '').trim()) {
+        const confirmedByText = Boolean(action.confirmedByText)
+        delete action.confirmedByText
+        await submitComposerInternal({
+          rawText: carryText,
+          userText: action.label || '确定',
+          pendingText: targetSessionType === SESSION_TYPE_APPLICATION
+            ? '小财管家正在调用申请助手生成申请单核对结果...'
+            : '小财管家正在调用报销助手整理报销核对结果...',
+          files: carryFiles,
+          skipScopeGuard: true,
+          skipApplicationModelReview: targetSessionType === SESSION_TYPE_APPLICATION,
+          skipStewardSlotDecision: targetSessionType === SESSION_TYPE_APPLICATION,
+          skipStewardPlan: true,
+          skipUserMessage: confirmedByText,
+          sessionTypeOverride: targetSessionType,
+          stewardContinuation: {
+            planId: String(actionPayload.steward_plan_id || '').trim(),
+            currentTaskId: String(actionPayload.steward_next_task_id || '').trim(),
+            currentTask: actionPayload.steward_current_task || null,
+            remainingTasks: Array.isArray(actionPayload.steward_remaining_tasks)
+              ? actionPayload.steward_remaining_tasks
+              : []
+          }
+        })
+        return
+      }
+      await switchSessionType(targetSessionType)
+      if (carryText) {
+        composerDraft.value = carryText
+      }
+      if (carryFiles.length) {
+        const fileMergeResult = mergeFilesWithLimit([], carryFiles, MAX_ATTACHMENTS)
+        attachedFiles.value = fileMergeResult.files
+        composerFilesExpanded.value = fileMergeResult.files.length > VISIBLE_ATTACHMENT_CHIPS
+      }
+      nextTick(() => {
+        adjustComposerTextareaHeight()
+        scrollToBottom()
+      })
+      persistSessionState()
+      if (actionPayload.auto_submit && carryText) {
+        await submitComposer({
+          rawText: carryText,
+          userText: action.label || '确认继续处理',
+          pendingText: '正在按确认内容继续处理...',
+          files: carryFiles,
+          skipScopeGuard: true
+        })
+      }
+      return
+    }
+
+    if (actionType === 'confirm_expense_intent') {
+      const originalMessage = String(action?.payload?.original_message || message?.text || '').trim()
+      if (!originalMessage) return
+      if (!lockSuggestedActionMessage(message, action)) return
+      pushExpenseSceneSelectionPrompt(originalMessage)
+      return
+    }
+
+    if (actionType !== 'select_expense_type') {
+      const fallbackText = String(action?.description || action?.label || '').trim()
+      if (!fallbackText) return
+      if (!lockSuggestedActionMessage(message, action)) return
+      await submitComposer({
+        rawText: fallbackText,
+        userText: fallbackText,
+        pendingText: '正在继续处理...'
+      })
+      return
+    }
+
+    const actionPayload = action?.payload && typeof action.payload === 'object' ? action.payload : {}
+    const expenseType = String(actionPayload.expense_type || '').trim()
+    const expenseTypeLabel = String(actionPayload.expense_type_label || action?.label || '').trim()
+    const originalMessage = String(actionPayload.original_message || message?.text || '').trim()
+    if (!expenseTypeLabel || !originalMessage) return
+
+    if (!lockSuggestedActionMessage(message, action)) return
+    await submitComposer({
+      rawText: `${originalMessage}\n用户选择报销场景：${expenseTypeLabel}`,
+      userText: `选择${expenseTypeLabel}`,
+      pendingText: `已选择${expenseTypeLabel}，正在按该场景识别...`,
+      systemGenerated: true,
+      extraContext: {
+        draft_claim_id: '',
+        user_input_text: originalMessage,
+        expense_scene_selection: {
+          expense_type: expenseType,
+          expense_type_label: expenseTypeLabel,
+          original_message: originalMessage
+        },
+        review_form_values: {
+          expense_type: expenseTypeLabel
+        }
+      }
+    })
+  }
+
+  return {
+    handleSuggestedAction,
+    isSuggestedActionSelected,
+    runShortcut
+  }
+}
--- a/web/tests/expense-application-fast-preview.test.mjs
+++ b/web/tests/expense-application-fast-preview.test.mjs
@@ -20,6 +20,7 @@ import {
  normalizeTransportModeOption,
  resolveApplicationDateRange,
  resolveApplicationTimeLabel,
+  shouldRequireApplicationModelReview,
  shouldUseLocalApplicationPreview
 } from '../src/utils/expenseApplicationPreview.js'
 import {
@@ -50,6 +51,14 @@ import {
 import {
  shouldUseBudgetCompileReport
 } from '../src/views/scripts/budgetAssistantReportModel.js'
+import { resolveStewardTypewriterNextIndex } from '../src/views/scripts/stewardTypewriter.js'
+import {
+  ASSISTANT_SCOPE_SESSION_APPLICATION,
+  ASSISTANT_SCOPE_SESSION_EXPENSE,
+  ASSISTANT_SCOPE_SESSION_STEWARD,
+  inferAssistantScopeTarget,
+  resolveAssistantScopeGuard
+} from '../src/utils/assistantSessionScope.js'
 import { useTravelReimbursementFlow } from '../src/views/scripts/useTravelReimbursementFlow.js'
 import { useApplicationPreviewEditor } from '../src/views/scripts/useApplicationPreviewEditor.js'

@@ -65,6 +74,26 @@ const createViewScript = readFileSync(
  fileURLToPath(new URL('../src/views/scripts/TravelReimbursementCreateView.js', import.meta.url)),
  'utf8'
 )
+const messageActionsScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/useTravelReimbursementMessageActions.js', import.meta.url)),
+  'utf8'
+)
+const suggestedActionsScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/useTravelReimbursementSuggestedActions.js', import.meta.url)),
+  'utf8'
+)
+const stewardRuntimeScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/useTravelReimbursementStewardRuntime.js', import.meta.url)),
+  'utf8'
+)
+const stewardRuntimeTextModelScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/travelReimbursementStewardRuntimeTextModel.js', import.meta.url)),
+  'utf8'
+)
+const stewardFollowupFlowScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/travelReimbursementStewardFollowupFlow.js', import.meta.url)),
+  'utf8'
+)
 const stewardPlanFlowScript = readFileSync(
  fileURLToPath(new URL('../src/views/scripts/useStewardPlanFlow.js', import.meta.url)),
  'utf8'
@@ -131,7 +160,7 @@ function createFlowHarness() {
 }

 test('application intent uses local preview instead of immediate orchestrator call', () => {
-  const prompt = '申请 2026-05-20 至 2026-05-23 去上海支撑上海电力部署项目，出差3天，高铁，预计金额2358元'
+  const prompt = '申请 2026-05-20 至 2026-05-23 去上海支撑上海电力部署项目，出差4天，高铁，预计金额2358元'
  assert.equal(
    shouldUseLocalApplicationPreview(prompt, {
      sessionType: 'application',
@@ -150,6 +179,33 @@ test('application intent uses local preview instead of immediate orchestrator ca
    }),
    false
  )
+  assert.equal(
+    shouldUseLocalApplicationPreview('小财管家\n23:04\n这是费用申请核对结果，请核对：', {
+      sessionType: 'application',
+      attachmentCount: 0,
+      reviewAction: '',
+      systemGenerated: false
+    }),
+    false
+  )
+  assert.equal(
+    shouldUseLocalApplicationPreview('我要申请', {
+      sessionType: 'application',
+      attachmentCount: 0,
+      reviewAction: '',
+      systemGenerated: false
+    }),
+    false
+  )
+  assert.equal(
+    shouldUseLocalApplicationPreview('去上海出差，支撑国网仿生产环境部署', {
+      sessionType: 'application',
+      attachmentCount: 0,
+      reviewAction: '',
+      systemGenerated: false
+    }),
+    true
+  )

  const preview = buildLocalApplicationPreview(prompt, {
    name: '李文静',
@@ -161,7 +217,7 @@ test('application intent uses local preview instead of immediate orchestrator ca
  assert.equal(preview.fields.applicationType, '差旅费用申请')
  assert.equal(preview.fields.time, '2026-05-20 至 2026-05-23')
  assert.equal(preview.fields.location, '上海')
-  assert.equal(preview.fields.days, '3天')
+  assert.equal(preview.fields.days, '4天')
  assert.equal(preview.fields.transportMode, '火车')
  assert.equal(preview.fields.amount, '2358元')
  assert.equal(preview.fields.applicant, '李文静')
@@ -175,6 +231,33 @@ test('application intent uses local preview instead of immediate orchestrator ca
  assert.match(buildLocalApplicationPreviewMessage(preview), /点击对应行即可直接编辑/)
 })

+test('assistant scope guard blocks unsupported non-financial intent', () => {
+  const guard = resolveAssistantScopeGuard('帮我写一首诗，主题是春天', ASSISTANT_SCOPE_SESSION_APPLICATION)
+
+  assert.equal(guard.blocked, true)
+  assert.equal(guard.targetSessionType, '')
+  assert.match(guard.text, /此意图系统不支持/)
+  assert.match(guard.text, /当前系统支持的业务范围/)
+  assert.deepEqual(guard.suggestedActions, [])
+})
+
+test('assistant scope guard routes related business intent instead of blocking', () => {
+  const guard = resolveAssistantScopeGuard('帮我查一下报销单状态', ASSISTANT_SCOPE_SESSION_APPLICATION)
+
+  assert.equal(guard.blocked, undefined)
+  assert.equal(guard.targetSessionType, ASSISTANT_SCOPE_SESSION_EXPENSE)
+  assert.match(guard.text, /报销助手/)
+  assert.equal(guard.suggestedActions[0].payload.session_type, ASSISTANT_SCOPE_SESSION_EXPENSE)
+})
+
+test('assistant scope guard keeps current supported application intent and steward finance queries', () => {
+  assert.equal(
+    resolveAssistantScopeGuard('申请下周去上海出差，支撑服务器部署', ASSISTANT_SCOPE_SESSION_APPLICATION),
+    null
+  )
+  assert.equal(inferAssistantScopeTarget('查询一下预算余额'), ASSISTANT_SCOPE_SESSION_STEWARD)
+})
+
 test('travel application submit can continue with conversational planning recommendation', () => {
  const preview = normalizeApplicationPreview({
    fields: {
@@ -273,12 +356,12 @@ test('application estimate builds deterministic mock transport amount and total'
  assert.equal(trainEstimate.amountDisplay, '1,040')
  assert.equal(datedTrainEstimate.queryDate, '2026-05-25')
  assert.equal(datedTrainEstimate.amountDisplay, '1,100')
-  assert.equal(datedTrainEstimate.source, 'mock_ticket_price_query_v1')
+  assert.equal(datedTrainEstimate.source, 'fallback_transport_budget_estimate_v1')
  assert.equal(datedTrainEstimate.basisText, '预估交通费用 1,100元')
  assert.ok(datedTrainEstimate.simulatedLatencyMs >= 360)
  assert.ok(datedTrainEstimate.simulatedLatencyMs <= 779)
  assert.equal(resolveMockApplicationTransportWaitMs(datedTrainEstimate), 320)
-  assert.equal(flightEstimate.amountDisplay, '3,600')
+  assert.equal(flightEstimate.amountDisplay, '3,200')
  assert.equal(shipEstimate.amountDisplay, '1,040')
  assert.equal(totalEstimate.transportAmountDisplay, '1,040')
  assert.equal(totalEstimate.totalAmountDisplay, '3,200')
@@ -323,6 +406,168 @@ test('application preview uses selected date range and business-specific time la
  assert.doesNotMatch(submitText, /发生时间：/)
 })

+test('application preview parses same-month shorthand date range', () => {
+  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',
+    {
+      name: '曹笑竹',
+      departmentName: '技术部',
+      position: '财务智能化产品经理',
+      managerName: '向万红',
+      grade: 'P5'
+    },
+    { today: '2026-06-09' }
+  )
+  const rows = buildApplicationPreviewRows(preview)
+
+  assert.equal(preview.fields.time, '2026-02-20 至 2026-02-23')
+  assert.equal(preview.fields.days, '4天')
+  assert.equal(rows.find((row) => row.key === 'time')?.value, '2026-02-20')
+  assert.equal(rows.find((row) => row.key === 'time_return')?.value, '2026-02-23')
+  assert.equal(preview.fields.location, '上海')
+  assert.equal(preview.fields.reason, '辅助国网仿生产项目部署')
+  assert.doesNotMatch(preview.fields.reason, /小财管家继续执行/)
+})
+
+test('application preview blocks submit when date range conflicts with explicit days', () => {
+  const preview = buildLocalApplicationPreview(
+    '申请2月20-23日去上海出差3天，辅助国网仿生产服务器部署，火车',
+    {
+      name: '曹笑竹',
+      departmentName: '技术部',
+      position: '财务智能化产品经理',
+      managerName: '向万红',
+      grade: 'P5'
+    },
+    { today: '2026-06-09' }
+  )
+  const normalized = normalizeApplicationPreview(preview)
+  const footer = buildApplicationPreviewFooterMessage(normalized)
+
+  assert.equal(normalized.fields.time, '2026-02-20 至 2026-02-23')
+  assert.equal(normalized.fields.days, '3天')
+  assert.equal(normalized.readyToSubmit, false)
+  assert.equal(normalized.validationIssues[0].code, 'time_days_conflict')
+  assert.match(footer, /按自然日为 4 天/)
+  assert.match(footer, /填写的是 3 天/)
+})
+
+test('application preview blocks submit when location candidates conflict', () => {
+  const preview = buildLocalApplicationPreview(
+    '申请2月20-23日去北京出差4天，地点：上海，辅助国网仿生产服务器部署，火车',
+    {
+      name: '曹笑竹',
+      departmentName: '技术部',
+      position: '财务智能化产品经理',
+      managerName: '向万红',
+      grade: 'P5'
+    },
+    { today: '2026-06-09' }
+  )
+  const footer = buildApplicationPreviewFooterMessage(preview)
+
+  assert.equal(preview.readyToSubmit, false)
+  assert.equal(preview.validationIssues[0].code, 'location_candidates_conflict')
+  assert.match(footer, /同时出现多个地点/)
+  assert.match(footer, /北京/)
+  assert.match(footer, /上海/)
+})
+
+test('application preview does not treat application type labels as locations', () => {
+  const preview = normalizeApplicationPreview({
+    sourceText: [
+      '费用申请出差',
+      '任务摘要：交通方式和出差预算待补充',
+      '申请类型：差旅费用申请',
+      '地点：上海',
+      '申请2月20日-23日火车去上海出差，服务国网仿生产服务器部署'
+    ].join('\n'),
+    fields: {
+      applicationType: '差旅费用申请',
+      time: '2026-02-20 至 2026-02-23',
+      location: '上海',
+      reason: '服务国网仿生产服务器部署',
+      days: '4天',
+      transportMode: '火车',
+      amount: '2120元',
+      grade: 'P5',
+      applicant: '曹笑竹',
+      department: '技术部',
+      position: '产品经理',
+      managerName: '向万红'
+    }
+  })
+
+  assert.equal(preview.readyToSubmit, true)
+  assert.deepEqual(preview.validationIssues, [])
+  assert.doesNotMatch(buildApplicationPreviewFooterMessage(preview), /多个地点|费用申请/)
+})
+
+test('application preview trusts model-refined fields over noisy source candidates', () => {
+  const preview = normalizeApplicationPreview({
+    sourceText: [
+      '任务摘要：交通方式和出差预算待补充',
+      '申请2月20日-23日火车去上海出差，服务国网仿生产服务器部署'
+    ].join('\n'),
+    modelRefined: true,
+    modelReviewStatus: 'completed',
+    parseStrategy: 'llm_primary',
+    fields: {
+      applicationType: '差旅费用申请',
+      time: '2026-02-20 至 2026-02-23',
+      location: '上海',
+      reason: '服务国网仿生产服务器部署',
+      days: '4天',
+      transportMode: '火车',
+      amount: '2120元',
+      grade: 'P5',
+      applicant: '曹笑竹',
+      department: '技术部',
+      position: '产品经理',
+      managerName: '向万红'
+    }
+  })
+
+  assert.equal(preview.readyToSubmit, true)
+  assert.deepEqual(preview.validationIssues, [])
+})
+
+test('application preview blocks submit when transport candidates conflict', () => {
+  const preview = buildLocalApplicationPreview(
+    '申请2月20-23日去上海出差4天，辅助国网仿生产服务器部署，出行方式：飞机，坐火车',
+    {
+      name: '曹笑竹',
+      departmentName: '技术部',
+      position: '财务智能化产品经理',
+      managerName: '向万红',
+      grade: 'P5'
+    },
+    { today: '2026-06-09' }
+  )
+
+  assert.equal(preview.readyToSubmit, false)
+  assert.equal(preview.validationIssues[0].code, 'transport_candidates_conflict')
+  assert.match(buildApplicationPreviewFooterMessage(preview), /同时出现多个出行方式/)
+})
+
+test('application preview normalizes compact amount candidates', () => {
+  const preview = buildLocalApplicationPreview(
+    '申请2月20-23日去上海出差4天，辅助国网仿生产服务器部署，火车，预计费用1.8k',
+    {
+      name: '曹笑竹',
+      departmentName: '技术部',
+      position: '财务智能化产品经理',
+      managerName: '向万红',
+      grade: 'P5'
+    },
+    { today: '2026-06-09' }
+  )
+
+  assert.equal(preview.fields.amount, '1800元')
+  assert.equal(preview.readyToSubmit, true)
+  assert.deepEqual(preview.validationIssues, [])
+})
+
 test('application preview keeps labeled reason in structured travel form', () => {
  const preview = buildLocalApplicationPreview([
    '发生时间：2026-02-20 至 2026-02-23',
@@ -392,7 +637,80 @@ test('application preview can be refined by ontology model extraction', () => {
  assert.equal(refinedPreview.fields.transportMode, '火车')
 })

-test('application preview ignores model-only transport mode guesses', () => {
+test('application preview preserves ontology amount roles for travel estimates', () => {
+  const rawText = '申请2月20日-23日火车去上海出差，服务国网仿生产服务器部署'
+  const localPreview = buildLocalApplicationPreview(rawText, { name: '曹笑竹', grade: 'P5' }, { today: '2026-06-13' })
+  const refinedPreview = buildModelRefinedApplicationPreview(
+    localPreview,
+    {
+      parse_strategy: 'llm_primary',
+      entities: [
+        { type: 'expense_type', value: '差旅费', normalized_value: 'travel' },
+        { type: 'location', value: '上海', normalized_value: '上海' },
+        { type: 'reason', value: '服务国网仿生产服务器部署', normalized_value: '服务国网仿生产服务器部署' },
+        { type: 'transport_mode', value: '火车', normalized_value: '火车' },
+        { type: 'transport_estimated_amount', value: '720元', normalized_value: '720' },
+        { type: 'hotel_amount', value: '1000元', normalized_value: '1000' },
+        { type: 'allowance_amount', value: '400元', normalized_value: '400' },
+        { type: 'policy_total_amount', value: '2120元', normalized_value: '2120' }
+      ],
+      time_range: {
+        start_date: '2026-02-20',
+        end_date: '2026-02-23'
+      },
+      missing_slots: []
+    },
+    rawText,
+    { name: '曹笑竹', grade: 'P5' }
+  )
+
+  assert.equal(refinedPreview.fields.amount, '2120元')
+  assert.equal(refinedPreview.fields.transportEstimatedAmount, '720元')
+  assert.equal(refinedPreview.fields.hotelAmount, '1000元')
+  assert.equal(refinedPreview.fields.allowanceAmount, '400元')
+  assert.equal(refinedPreview.fields.policyTotalAmount, '2120元')
+})
+
+test('application preview ignores model reason polluted by application type', () => {
+  const rawText = '我申请2月20日至23日去上海出差，辅助国网方法生产服务器上线部署，'
+  const localPreview = buildLocalApplicationPreview(rawText, {
+    name: '曹笑竹',
+    grade: 'P5'
+  }, {
+    today: '2026-06-13'
+  })
+  const refinedPreview = buildModelRefinedApplicationPreview(
+    localPreview,
+    {
+      parse_strategy: 'llm_primary',
+      entities: [
+        { type: 'expense_type', value: '差旅费', normalized_value: 'travel' },
+        { type: 'location', value: '上海', normalized_value: '上海' },
+        { type: 'reason', value: '类型：差旅费用申请', normalized_value: '类型：差旅费用申请' }
+      ],
+      missing_slots: []
+    },
+    rawText,
+    { name: '曹笑竹', grade: 'P5' }
+  )
+
+  assert.equal(localPreview.fields.reason, '辅助国网方法生产服务器上线部署')
+  assert.equal(refinedPreview.fields.reason, '辅助国网方法生产服务器上线部署')
+  assert.doesNotMatch(refinedPreview.fields.reason, /类型|差旅费用申请/)
+})
+
+test('application preview strips internal steward instruction from reason', () => {
+  const preview = buildLocalApplicationPreview(
+    '申请2月20-23日去上海出差，事由：辅助国网仿生产服务器部署请直接生成申请单核对结果，信息足够时生成申请单，但在入库或提交审批前仍需让我确认',
+    { name: '曹笑竹', grade: 'P5' },
+    { today: '2026-06-09' }
+  )
+
+  assert.equal(preview.fields.reason, '辅助国网仿生产服务器部署')
+  assert.doesNotMatch(preview.fields.reason, /请直接生成|入库|提交审批/)
+})
+
+test('application preview requires explicit transport mode before submit', () => {
  const rawText = '\u7533\u8bf7 2026-05-25 \u81f3 2026-05-27 \u53bb\u4e0a\u6d77\u51fa\u5dee3\u5929\uff0c\u670d\u52a1\u9879\u76ee\u90e8\u7f72\uff0c\u9884\u8ba1\u8d39\u75281800\u5143'
  const localPreview = buildLocalApplicationPreview(rawText, {
    name: '\u674e\u6587\u9759',
@@ -421,10 +739,25 @@ test('application preview ignores model-only transport mode guesses', () => {

  assert.equal(localPreview.fields.transportMode, '')
  assert.equal(refinedPreview.fields.transportMode, '')
-  assert.ok(refinedPreview.missingFields.includes('\u51fa\u884c\u65b9\u5f0f'))
+  assert.equal(refinedPreview.missingFields.includes('\u51fa\u884c\u65b9\u5f0f'), true)
  assert.equal(refinedPreview.readyToSubmit, false)
 })

+test('application preview does not treat transport prompt options as selected mode', () => {
+  const preview = buildLocalApplicationPreview(
+    '当前还需要补充：出行方式。请先补充出行方式，可以选择火车、飞机或轮船。',
+    { name: '李文静', grade: 'P5' }
+  )
+  const mixedPreview = buildLocalApplicationPreview(
+    '任务摘要：交通方式和出差预算待补充\n申请2月20日-23日火车去上海出差',
+    { name: '李文静', grade: 'P5' },
+    { today: '2026-06-09' }
+  )
+
+  assert.equal(preview.fields.transportMode, '')
+  assert.equal(mixedPreview.fields.transportMode, '火车')
+})
+
 test('application preview precomputes a date range from today when only days are provided', () => {
  const preview = buildLocalApplicationPreview(
    '去北京出差3天，支撑国网仿生产环境部署，飞机，预计费用12000元',
@@ -438,7 +771,7 @@ test('application preview precomputes a date range from today when only days are
 })

 test('application preview keeps rule fallback distinct from model reviewed result', () => {
-  const rawText = '申请 2026-05-20 至 2026-05-23 去上海支撑服务器部署，出差3天，火车，预计费用1800元'
+  const rawText = '申请 2026-05-20 至 2026-05-23 去上海支撑服务器部署，出差4天，火车，预计费用1800元'
  const localPreview = buildLocalApplicationPreview(rawText, { name: '李文静', grade: 'P5' })
  const fallbackPreview = buildModelRefinedApplicationPreview(
    localPreview,
@@ -545,11 +878,11 @@ test('application session shows intent flow, persists preview, and supports inli
  assert.doesNotMatch(createViewScript, /if \(isApplicationSession\.value\) \{\s*return false\s*\}/)
  assert.match(createViewScript, /activeFlowSteps\.value\.length > 0/)
  assert.match(createViewScript, /useApplicationPreviewEditor/)
-  assert.match(createViewScript, /message-bubble-application-preview/)
-  assert.match(createViewScript, /buildApplicationPreviewFooterMessage/)
-  assert.match(createViewScript, /function buildApplicationPreviewFooterText\(message\)/)
-  assert.match(createViewScript, /buildApplicationPreviewSubmitText/)
-  assert.match(createViewScript, /user_input_text: applicationSubmitText/)
+  assert.match(messageActionsScript, /message-bubble-application-preview/)
+  assert.match(messageActionsScript, /buildApplicationPreviewFooterMessage/)
+  assert.match(messageActionsScript, /function buildApplicationPreviewFooterText\(message\)/)
+  assert.match(stewardRuntimeScript, /buildApplicationPreviewSubmitText/)
+  assert.match(stewardRuntimeScript, /user_input_text: applicationSubmitText/)
  assert.match(conversationModelScript, /applicationPreview: null/)
  assert.match(conversationModelScript, /applicationPreview: message\.applicationPreview \|\| null/)
  assert.match(conversationModelScript, /\|\| message\.applicationPreview/)
@@ -564,7 +897,7 @@ test('application session shows intent flow, persists preview, and supports inli
  assert.match(messageItemTemplate, /v-html="ui\.renderMarkdown\(ui\.buildApplicationPreviewFooterText\(message\)\)"/)
  assert.doesNotMatch(messageItemTemplate, /class="application-date-editor-layer"/)
  assert.doesNotMatch(messageItemTemplate, /ui\.commitApplicationPreviewDateEditor\(message\)/)
-  assert.match(messageItemTemplate, /application-preview-date-chip/)
+  assert.doesNotMatch(messageItemTemplate, /application-preview-date-chip/)
  assert.match(messageItemTemplate, /申请单据已生成/)
  assert.match(messageItemTemplate, /ui\.shouldShowDraftSavedCard\(message\)/)
  assert.match(messageItemTemplate, /报销草稿已生成/)
@@ -575,9 +908,9 @@ test('application session shows intent flow, persists preview, and supports inli
  assert.match(messageItemTemplate, /查看详情/)
  assert.match(messageItemTemplate, /class="reimbursement-draft-pending-detail"/)
  assert.match(messageItemTemplate, /保存后可查看详情/)
-  assert.match(createViewScript, /function canOpenDraftDetail\(message\)/)
+  assert.match(messageActionsScript, /function canOpenDraftDetail\(message\)/)
  assert.match(createViewScript, /canOpenDraftDetail,/)
-  assert.match(createViewScript, /保存后生成/)
+  assert.match(messageActionsScript, /保存后生成/)
  assert.doesNotMatch(messageItemTemplate, /ui\.buildReimbursementDraftSummaryItems\(message\.draftPayload\)/)
  assert.doesNotMatch(messageItemTemplate, /可以继续上传票据，我会归集到这张草稿。/)
  assert.ok(
@@ -619,12 +952,12 @@ test('application session shows intent flow, persists preview, and supports inli
  assert.match(createViewScript, /onComposerDateSelection: applyLinkedApplicationPreviewDateSelection/)
  assert.match(createViewScript, /function openApplicationPreviewEditorFromUi/)
  assert.match(createViewScript, /syncComposerDateFromApplicationEditor/)
-  assert.match(createViewScript, /function shouldShowAssistantMessageActions/)
-  assert.match(createViewScript, /function buildMessageOperationFeedbackContext/)
-  assert.match(createViewScript, /function isMessageFeedbackSelected/)
-  assert.match(createViewScript, /function submitOperationFeedbackForMessage/)
-  assert.match(createViewScript, /const stewardSubmitContinuation = message\?\.stewardContinuation \|\| null/)
-  assert.match(createViewScript, /stewardContinuation:\s*stewardSubmitContinuation/)
+  assert.match(messageActionsScript, /function shouldShowAssistantMessageActions/)
+  assert.match(messageActionsScript, /function buildMessageOperationFeedbackContext/)
+  assert.match(messageActionsScript, /function isMessageFeedbackSelected/)
+  assert.match(messageActionsScript, /function submitOperationFeedbackForMessage/)
+  assert.match(stewardRuntimeScript, /const stewardSubmitContinuation = message\?\.stewardContinuation \|\| null/)
+  assert.match(stewardRuntimeScript, /stewardContinuation:\s*stewardSubmitContinuation/)
  assert.match(createViewTemplate, /handleComposerDateInputChange\('single'\)/)
  assert.match(createViewTemplate, /handleComposerDateInputChange\('range-start'\)/)
  assert.match(createViewTemplate, /handleComposerDateInputChange\('range-end'\)/)
@@ -675,26 +1008,26 @@ test('application session shows intent flow, persists preview, and supports inli
  assert.match(flowScript, /refreshCompleted/)
 })

-test('steward application missing transport asks before rendering preview table', () => {
+test('steward application missing transport blocks preview table', () => {
  assert.match(submitComposerScript, /function shouldPauseStewardApplicationPreview/)
  assert.match(submitComposerScript, /function sanitizeStewardDelegatedTaskSummary/)
  assert.match(submitComposerScript, /交通方式和\(\?:预算\|预计\)\?金额待补充/)
  assert.match(submitComposerScript, /出差费用预算/)
  assert.match(submitComposerScript, /预估\|预计\|预算\)\?费用/)
  assert.match(submitComposerScript, /applicationPreview:\s*pauseForMissingFields \? null : applicationPreview/)
+  assert.match(submitComposerScript, /我已经识别出这一步要先处理申请单，但现在还不能生成可提交的申请核对表/)
  assert.match(submitComposerScript, /applicationPreview:\s*normalized/)
-  assert.match(submitComposerScript, /请先告诉我你打算怎么出行：\*\*火车、飞机或轮船\*\*/)
-  assert.doesNotMatch(submitComposerScript, /缺少“出行方式”[\s\S]{0,500}更新下方核对表/)
+  assert.doesNotMatch(submitComposerScript, /请先告诉我你打算怎么出行：\*\*火车、飞机或轮船\*\*/)

-  assert.match(createViewScript, /payload\.applicationPreview/)
-  assert.match(createViewScript, /function continueStewardApplicationFieldCompletion/)
-  assert.match(createViewScript, /submitComposerInternal\(\{[\s\S]*stewardContinuation: continuation/)
-  assert.match(createViewScript, /skipUserMessage:\s*true/)
-  assert.match(createViewScript, /targetMessage\.applicationPreview = normalizeApplicationPreview\(sourcePreview\)/)
-  assert.match(createViewScript, /openApplicationPreviewEditor\(targetMessage, fieldKey/)
-  assert.match(createViewScript, /commitApplicationPreviewEditor\(targetMessage\)/)
+  assert.match(suggestedActionsScript, /payload\.applicationPreview/)
+  assert.match(suggestedActionsScript, /function continueStewardApplicationFieldCompletion/)
+  assert.match(suggestedActionsScript, /submitComposerInternal\(\{[\s\S]*stewardContinuation: continuation/)
+  assert.match(suggestedActionsScript, /skipUserMessage:\s*true/)
+  assert.match(suggestedActionsScript, /targetMessage\.applicationPreview = normalizeApplicationPreview\(sourcePreview\)/)
+  assert.match(suggestedActionsScript, /openApplicationPreviewEditor\(targetMessage, fieldKey/)
+  assert.match(suggestedActionsScript, /commitApplicationPreviewEditor\(targetMessage\)/)
  assert.match(stewardFieldCompletionScript, /transportMode:\s*'transport_mode'/)
-  assert.match(stewardFieldCompletionScript, /模拟查询交通票据/)
+  assert.match(stewardFieldCompletionScript, /基础规则交通费用预估表/)
 })

 test('steward field completion reruns application preview instead of directly rendering table', () => {
@@ -739,7 +1072,7 @@ test('steward field completion reruns application preview instead of directly re
  assert.match(carryText, /用户已补充：出行方式：火车/)
  assert.match(carryText, /地点：北京/)
  assert.match(carryText, /天数：3天/)
-  assert.match(carryText, /请先根据已补齐字段模拟查询交通票据/)
+  assert.match(carryText, /请先根据已补齐字段按基础规则交通费用预估表/)

  const rebuiltPreview = buildLocalApplicationPreview(carryText, { name: '曹笑竹', grade: 'P5' })
  assert.equal(rebuiltPreview.fields.location, '北京')
@@ -758,7 +1091,7 @@ test('budget compile report does not steal steward delegated application rerun',
    '用户已补充：出行方式：火车。',
    '地点：北京',
    '天数：3天',
-    '处理要求：请先根据已补齐字段模拟查询交通票据和费用口径，完成系统预估金额测算，再生成申请单核对表。'
+    '处理要求：请先根据已补齐字段按基础规则交通费用预估表测算费用口径，完成系统预估金额测算，再生成申请单核对表。'
  ].join('\n')

  assert.equal(shouldUseBudgetCompileReport(stewardApplicationText, {
@@ -777,66 +1110,109 @@ test('budget compile report does not steal steward delegated application rerun',
 test('text confirmation submits pending application preview before replanning steward task', () => {
  assert.match(stewardServiceScript, /fetchStewardRuntimeDecision/)
  assert.match(stewardServiceScript, /\/steward\/runtime-decisions/)
-  assert.match(createViewScript, /function buildStewardRuntimeState/)
-  assert.match(createViewScript, /function buildStewardRuntimeFastPathDecision/)
-  assert.match(createViewScript, /function shouldUseStewardRuntimeLlmDecision/)
-  assert.match(createViewScript, /function findPendingSlotSuggestedActionContextByInput/)
-  assert.match(createViewScript, /function shouldPlanNewStewardTasksLocally/)
-  assert.match(createViewScript, /function resolveStewardRuntimeTransportAlias/)
-  assert.match(createViewScript, /const actionTransportAlias = resolveStewardRuntimeTransportAlias/)
-  assert.match(createViewScript, /actionTransportAlias === transportAlias/)
-  assert.match(createViewScript, /next_action:\s*'continue_next_task'/)
-  assert.match(createViewScript, /next_action:\s*'submit_current_application'/)
-  assert.match(createViewScript, /next_action:\s*'fill_current_slot'/)
-  assert.match(createViewScript, /next_action:\s*'plan_new_tasks'/)
-  assert.match(createViewScript, /suppressUserEcho:\s*userMessageAlreadyAdded/)
-  assert.match(createViewScript, /if \(!action\?\.suppressUserEcho\) \{[\s\S]*messages\.value\.push\(createMessage\('user', userText\)\)/)
-  assert.match(createViewScript, /skipApplicationModelReview:\s*true/)
-  assert.match(createViewScript, /skipApplicationModelReview:\s*targetSessionType === SESSION_TYPE_APPLICATION/)
-  assert.match(createViewScript, /skipStewardSlotDecision:\s*targetSessionType === SESSION_TYPE_APPLICATION/)
+  assert.match(stewardRuntimeScript, /function buildStewardRuntimeState/)
+  assert.match(stewardRuntimeScript, /function buildStewardRuntimeFastPathDecision/)
+  assert.match(stewardRuntimeScript, /function shouldUseStewardRuntimeLlmDecision/)
+  assert.match(stewardRuntimeScript, /function findPendingSlotSuggestedActionContextByInput/)
+  assert.match(stewardRuntimeTextModelScript, /function shouldPlanNewStewardTasksLocally/)
+  assert.match(stewardRuntimeTextModelScript, /function resolveStewardRuntimeTransportAlias/)
+  assert.match(stewardRuntimeScript, /const actionTransportAlias = resolveStewardRuntimeTransportAlias/)
+  assert.match(stewardRuntimeScript, /actionTransportAlias === transportAlias/)
+  assert.match(stewardRuntimeScript, /next_action:\s*'continue_next_task'/)
+  assert.match(stewardRuntimeScript, /next_action:\s*'submit_current_application'/)
+  assert.match(stewardRuntimeScript, /next_action:\s*'fill_current_slot'/)
+  assert.match(stewardRuntimeScript, /next_action:\s*'plan_new_tasks'/)
+  assert.match(stewardRuntimeScript, /suppressUserEcho:\s*userMessageAlreadyAdded/)
+  assert.match(suggestedActionsScript, /if \(!action\?\.suppressUserEcho\) \{[\s\S]*messages\.value\.push\(createMessage\('user', userText\)\)/)
+  assert.match(suggestedActionsScript, /skipApplicationModelReview:\s*true/)
+  assert.match(suggestedActionsScript, /skipApplicationModelReview:\s*targetSessionType === SESSION_TYPE_APPLICATION/)
+  assert.match(suggestedActionsScript, /skipStewardSlotDecision:\s*targetSessionType === SESSION_TYPE_APPLICATION/)
  assert.match(submitComposerScript, /skipModelReview:\s*Boolean\(stewardDelegated && options\.skipApplicationModelReview\)/)
-  assert.match(submitComposerScript, /if \(options\.skipModelReview\) \{[\s\S]*结构化快路径/)
+  assert.match(submitComposerScript, /const requireModelReview = shouldRequireApplicationModelReview\(rawText\)/)
+  assert.match(submitComposerScript, /if \(options\.skipModelReview && !requireModelReview\) \{[\s\S]*结构化快路径/)
  assert.match(submitComposerScript, /const localPauseForMissingFields = shouldPauseStewardApplicationPreview\(applicationPreview\)/)
  assert.match(submitComposerScript, /const shouldFetchSlotDecision = localPauseForMissingFields && !options\.skipStewardSlotDecision/)
  assert.match(submitComposerScript, /const slotDecision = shouldFetchSlotDecision[\s\S]*fetchStewardApplicationSlotDecision/)
  assert.match(submitComposerScript, /const pendingSuggestedActions = Array\.isArray\(finalExtras\.suggestedActions\)/)
  assert.match(submitComposerScript, /message\.suggestedActions = pendingSuggestedActions[\s\S]*message\.stewardPlan = buildStewardDelegatedPlan\(continuation, \[\.\.\.typedEvents\], 'typing'\)/)
-  assert.match(createViewScript, /async function handleStewardRuntimeDecision/)
-  assert.match(createViewScript, /const runtimeState = buildStewardRuntimeState\(\)/)
-  assert.match(createViewScript, /if \(!hasActiveStewardRuntimeDecisionContext\(runtimeState\)\) \{[\s\S]*return false/)
-  assert.match(createViewScript, /function pushStewardRuntimeUserMessage\(userText = ''\)/)
-  assert.match(createViewScript, /const userMessageAlreadyAdded = options\.skipUserMessage[\s\S]*pushStewardRuntimeUserMessage\(rawText\)/)
-  assert.match(createViewScript, /const fastDecision = buildStewardRuntimeFastPathDecision\(rawText, runtimeState\)[\s\S]*submitStewardPlan\(\{[\s\S]*skipUserMessage: userMessageAlreadyAdded \|\| options\.skipUserMessage/)
-  assert.match(createViewScript, /executeStewardRuntimeDecision\(fastDecision, rawText, \{ userMessageAlreadyAdded \}\)[\s\S]*if \(!shouldUseStewardRuntimeLlmDecision\(rawText, runtimeState\)\)/)
-  assert.match(createViewScript, /if \(!shouldUseStewardRuntimeLlmDecision\(rawText, runtimeState\)\)[\s\S]*fetchStewardRuntimeDecision/)
-  assert.match(createViewScript, /executeStewardRuntimeDecision\(decision, rawText, \{ userMessageAlreadyAdded \}\)/)
-  assert.match(createViewScript, /skipUserMessage: userMessageAlreadyAdded \|\| options\.skipUserMessage/)
-  assert.match(createViewScript, /fetchStewardRuntimeDecision\(\{[\s\S]*runtime_state: runtimeState/)
+  assert.match(stewardRuntimeScript, /async function handleStewardRuntimeDecision/)
+  assert.match(stewardRuntimeScript, /const runtimeState = buildStewardRuntimeState\(\)/)
+  assert.match(stewardRuntimeScript, /if \(!hasActiveStewardRuntimeDecisionContext\(runtimeState\)\) \{[\s\S]*return false/)
+  assert.match(stewardRuntimeScript, /function pushStewardRuntimeUserMessage\(userText = ''\)/)
+  assert.match(stewardRuntimeScript, /const userMessageAlreadyAdded = options\.skipUserMessage[\s\S]*pushStewardRuntimeUserMessage\(rawText\)/)
+  assert.match(stewardRuntimeScript, /const fastDecision = buildStewardRuntimeFastPathDecision\(rawText, runtimeState\)[\s\S]*submitStewardPlan\(\{[\s\S]*skipUserMessage: userMessageAlreadyAdded \|\| options\.skipUserMessage/)
+  assert.match(stewardRuntimeScript, /executeStewardRuntimeDecision\(fastDecision, rawText, \{ userMessageAlreadyAdded \}\)[\s\S]*if \(!shouldUseStewardRuntimeLlmDecision\(rawText, runtimeState\)\)/)
+  assert.match(stewardRuntimeScript, /if \(!shouldUseStewardRuntimeLlmDecision\(rawText, runtimeState\)\)[\s\S]*fetchStewardRuntimeDecision/)
+  assert.match(stewardRuntimeScript, /executeStewardRuntimeDecision\(decision, rawText, \{ userMessageAlreadyAdded \}\)/)
+  assert.match(stewardRuntimeScript, /skipUserMessage: userMessageAlreadyAdded \|\| options\.skipUserMessage/)
+  assert.match(stewardRuntimeScript, /fetchStewardRuntimeDecision\(\{[\s\S]*runtime_state: runtimeState/)
  assert.match(createViewScript, /if \(await handleStewardRuntimeDecision\(options\)\) \{[\s\S]*return null/)
-  assert.match(createViewScript, /function isApplicationSubmitConfirmationText/)
-  assert.match(createViewScript, /APPLICATION_SUBMIT_CONFIRM_TEXT_PATTERN[\s\S]*确认提交[\s\S]*提交审批/)
-  assert.match(createViewScript, /function findPendingApplicationSubmitMessage/)
-  assert.match(createViewScript, /normalizedPreview\.readyToSubmit/)
-  assert.match(createViewScript, /async function handleApplicationSubmitConfirmationText/)
-  assert.match(createViewScript, /await confirmApplicationSubmit\(\{ userText: rawText \}\)/)
+  assert.match(stewardRuntimeTextModelScript, /function isApplicationSubmitConfirmationText/)
+  assert.match(stewardRuntimeTextModelScript, /APPLICATION_SUBMIT_CONFIRM_TEXT_PATTERN[\s\S]*确认提交[\s\S]*提交审批/)
+  assert.match(stewardRuntimeScript, /function findPendingApplicationSubmitMessage/)
+  assert.match(stewardRuntimeScript, /normalizedPreview\.readyToSubmit/)
+  assert.match(stewardRuntimeScript, /async function handleApplicationSubmitConfirmationText/)
+  assert.match(stewardRuntimeScript, /await confirmApplicationSubmit\(\{ userText: rawText \}\)/)
  assert.match(createViewScript, /if \(await handleApplicationSubmitConfirmationText\(options\)\) \{[\s\S]*return null[\s\S]*\}[\s\S]*if \(isStewardSession\.value && !options\.skipStewardPlan/)
-  assert.match(createViewScript, /message\.applicationSubmitConfirmed = true/)
-  assert.match(createViewScript, /message\.applicationSubmitConfirmed[\s\S]*continue/)
+  assert.match(stewardRuntimeScript, /message\.applicationSubmitConfirmed = true/)
+  assert.match(stewardRuntimeScript, /message\.applicationSubmitConfirmed[\s\S]*continue/)
+})
+
+test('application submit result does not render reimbursement review followup', () => {
+  assert.match(submitComposerScript, /function shouldExposeReviewPayloadForMessage\(payload, options = \{\}\)/)
+  assert.match(submitComposerScript, /options\.isApplicationSubmitOperation \|\| isApplicationDraftPayload\(result\.draft_payload\)/)
+  assert.match(submitComposerScript, /function buildPresentationPayload\(payload, \{ exposeReviewPayload = true \} = \{\}\)/)
+  assert.match(submitComposerScript, /review_payload:\s*null/)
+  assert.match(submitComposerScript, /const exposeReviewPayload = shouldExposeReviewPayloadForMessage\(payload, \{ isApplicationSubmitOperation \}\)/)
+  assert.match(submitComposerScript, /const presentationPayload = buildPresentationPayload\(payload, \{ exposeReviewPayload \}\)/)
+  assert.match(submitComposerScript, /const resultReviewPayload = presentationResult\.review_payload \|\| null/)
+  assert.match(submitComposerScript, /suggestedActions:\s*resultSuggestedActions/)
+  assert.match(submitComposerScript, /reviewPayload:\s*resultReviewPayload/)
+  assert.match(submitComposerScript, /buildAgentInsight\(\s*presentationPayload,/)
 })

 test('steward streaming uses chunked typewriter to reduce perceived latency', () => {
-  assert.match(stewardPlanFlowScript, /STEWARD_TYPEWRITER_CHUNK_SIZE = 4/)
  assert.match(stewardPlanFlowScript, /STEWARD_THINKING_TYPEWRITER_CHUNK_SIZE = 5/)
-  assert.match(stewardPlanFlowScript, /index = Math\.min\(total, index \+ STEWARD_TYPEWRITER_CHUNK_SIZE\)/)
+  assert.match(stewardPlanFlowScript, /resolveStewardTypewriterNextIndex\(chars, index\)/)
  assert.match(stewardPlanFlowScript, /index = Math\.min\(chars\.length, index \+ STEWARD_THINKING_TYPEWRITER_CHUNK_SIZE\)/)
-  assert.match(submitComposerScript, /STEWARD_DELEGATED_TYPEWRITER_CHUNK_SIZE = 4/)
  assert.match(submitComposerScript, /STEWARD_DELEGATED_THINKING_CHUNK_SIZE = 5/)
-  assert.match(submitComposerScript, /index = Math\.min\(chars\.length, index \+ STEWARD_DELEGATED_TYPEWRITER_CHUNK_SIZE\)/)
+  assert.match(submitComposerScript, /resolveStewardTypewriterNextIndex\(chars, index\)/)
  assert.match(submitComposerScript, /index = Math\.min\(chars\.length, index \+ STEWARD_DELEGATED_THINKING_CHUNK_SIZE\)/)
-  assert.match(createViewScript, /STEWARD_FOLLOWUP_TYPEWRITER_CHUNK_SIZE = 4/)
-  assert.match(createViewScript, /STEWARD_FOLLOWUP_THINKING_CHUNK_SIZE = 5/)
-  assert.match(createViewScript, /index = Math\.min\(chars\.length, index \+ STEWARD_FOLLOWUP_TYPEWRITER_CHUNK_SIZE\)/)
-  assert.match(createViewScript, /index = Math\.min\(chars\.length, index \+ STEWARD_FOLLOWUP_THINKING_CHUNK_SIZE\)/)
+  assert.match(stewardFollowupFlowScript, /STEWARD_FOLLOWUP_THINKING_CHUNK_SIZE = 5/)
+  assert.match(stewardFollowupFlowScript, /resolveStewardTypewriterNextIndex\(chars, index\)/)
+  assert.match(stewardFollowupFlowScript, /index = Math\.min\(chars\.length, index \+ STEWARD_FOLLOWUP_THINKING_CHUNK_SIZE\)/)
+})
+
+test('steward typewriter renders markdown table blocks at once', () => {
+  const tableText = '这是费用申请核对结果：\n| 字段 | 值 |\n| --- | --- |\n| 地点 | 上海 |\n下一段'
+  const tableChars = Array.from(tableText)
+  const tableIndex = tableText.indexOf('| 字段')
+  const nextParagraphIndex = tableText.indexOf('下一段')
+  const normalIndex = 0
+
+  assert.equal(resolveStewardTypewriterNextIndex(tableChars, normalIndex), 3)
+  assert.equal(resolveStewardTypewriterNextIndex(tableChars, tableIndex), nextParagraphIndex)
+  assert.equal(resolveStewardTypewriterNextIndex(tableChars, tableIndex - 1), nextParagraphIndex)
+  assert.equal(resolveStewardTypewriterNextIndex(Array.from('### 核对结果'), 0), 2)
+})
+
+test('application preview table appears as a whole card instead of row-by-row animation', () => {
+  assert.doesNotMatch(
+    messageItemStyles,
+    /structured-card-reveal-enter-active\s+\.application-preview-row\s*\{[\s\S]*animation:/,
+  )
+  assert.doesNotMatch(
+    messageItemStyles,
+    /application-preview-row:nth-child\([^)]*\)\s*\{[\s\S]*animation-delay:/,
+  )
+})
+
+test('complex travel application sentences require model review', () => {
+  assert.equal(
+    shouldRequireApplicationModelReview('申请2月20日-23日火车去上海出差，服务国网仿生产服务器部署'),
+    true
+  )
+  assert.equal(shouldRequireApplicationModelReview('我想发起一笔费用申请'), false)
 })

 test('steward initial workbench entry shows recognition state before messages arrive', () => {
@@ -883,7 +1259,9 @@ test('steward application carry text does not leak transport examples into extra
  assert.match(carryText, /费用类型：差旅/)
  assert.doesNotMatch(carryText, /费用类型：travel/)
  assert.match(carryText, /还需要补充：出行方式/)
-  assert.match(carryText, /请先追问上述缺失信息/)
+  assert.doesNotMatch(carryText, /请先追问上述缺失信息/)
+  assert.doesNotMatch(carryText, /请直接生成申请单核对结果/)
+  assert.doesNotMatch(carryText, /入库或提交审批前/)
  assert.doesNotMatch(carryText, /高铁|火车|飞机|轮船|自驾|出租车/)
  assert.doesNotMatch(carryText, /预计金额|附件\/凭证|员工编号|金额/)
  assert.equal(currentTask?.task_type, 'expense_application')
@@ -909,7 +1287,7 @@ test('steward application carry text does not leak transport examples into extra
  assert.match(submitComposerScript, /fetchStewardApplicationSlotDecision/)
  assert.match(submitComposerScript, /task_type:\s*'expense_application'/)
  assert.match(submitComposerScript, /steward_continuation:\s*continuation/)
-  assert.match(createViewScript, /currentTask:\s*actionPayload\.steward_current_task/)
+  assert.match(suggestedActionsScript, /currentTask:\s*actionPayload\.steward_current_task/)
 })

 test('steward application slot fallback ignores non-blocking application fields', () => {
@@ -921,7 +1299,7 @@ test('steward application slot fallback ignores non-blocking application fields'
  assert.match(submitComposerScript, /formatStewardDecisionUserText\(decision\.question/)
  assert.match(submitComposerScript, /formatStewardDecisionUserText\(decision\.rationale/)
  assert.match(submitComposerScript, /normalizeTransportModeOption\(value \|\| label, ''\)/)
-  assert.match(createViewScript, /normalizeTransportModeOption\(value, ''\)/)
+  assert.match(suggestedActionsScript, /normalizeTransportModeOption\(value, ''\)/)
  assert.equal(normalizeTransportModeOption('高铁', ''), '火车')
  assert.equal(normalizeTransportModeOption('自驾', ''), '')
  assert.match(submitComposerScript, /function resolveBlockingApplicationMissingFieldsForSteward/)
@@ -1045,8 +1423,10 @@ test('assistant markdown tables render with component-scoped table styling', ()
  assert.match(rendered, /<th/)
  assert.match(rendered, /<td/)
  assert.match(messageItemStyles, /\.message-answer-markdown :deep\(\.markdown-table-wrap\) \{[\s\S]*overflow-x: auto;[\s\S]*border: 1px solid #dbe4ee;/)
-  assert.match(messageItemStyles, /\.message-answer-markdown :deep\(table\) \{[\s\S]*min-width: 460px;[\s\S]*border-collapse: separate;/)
-  assert.match(messageItemStyles, /\.message-answer-markdown :deep\(th\),[\s\S]*\.message-answer-markdown :deep\(td\) \{[\s\S]*padding: 8px 10px;/)
+  assert.match(messageItemStyles, /\.message-answer-markdown :deep\(table\) \{[\s\S]*min-width: 560px;[\s\S]*table-layout: fixed;/)
+  assert.match(messageItemStyles, /\.message-answer-markdown :deep\(th\),[\s\S]*\.message-answer-markdown :deep\(td\) \{[\s\S]*padding: 8px 10px;[\s\S]*overflow-wrap: break-word;/)
+  assert.match(messageItemStyles, /\.message-answer-markdown :deep\(th:first-child\),[\s\S]*\.message-answer-markdown :deep\(td:first-child\) \{[\s\S]*width: 88px;[\s\S]*white-space: nowrap;[\s\S]*word-break: keep-all;/)
+  assert.match(messageItemStyles, /\.message-answer-markdown :deep\(th:last-child\),[\s\S]*\.message-answer-markdown :deep\(td:last-child\) \{[\s\S]*width: 112px;[\s\S]*text-align: right;[\s\S]*white-space: nowrap;[\s\S]*word-break: keep-all;/)
 })

 test('assistant reimbursement recognition copy renders structured markdown sections', () => {
@@ -1082,17 +1462,24 @@ test('application date overlap blocks steward preview before duplicate applicati
  assert.match(submitComposerScript, /buildApplicationDateConflictMessage\(applicationDateConflict\)/)
  assert.match(submitComposerScript, /meta: \[STEWARD_ASSISTANT_NAME, '申请日期冲突'\]/)
  assert.match(submitComposerScript, /applicationPreview: pauseForMissingFields \? null : applicationPreview/)
-  assert.match(createViewScript, /actionType === 'open_application_detail'/)
+  assert.match(suggestedActionsScript, /actionType === 'open_application_detail'/)
 })

 test('application preview merges rule center travel estimate into highlighted rows', () => {
-  const preview = buildLocalApplicationPreview('申请 2026-05-25 至 2026-05-28 去上海出差3天，服务项目部署，火车，预计费用1800元', {
+  const preview = buildLocalApplicationPreview('申请 2026-05-25 至 2026-05-27 去上海出差3天，服务项目部署，火车，预计费用1800元', {
    name: '李文静',
    grade: 'P5'
  })
  const request = buildApplicationPolicyEstimateRequest(preview, { grade: 'P5' })
  assert.equal(request.canCalculate, true)
-  assert.deepEqual(request.payload, { days: 3, location: '上海', grade: 'P5' })
+  assert.deepEqual(request.payload, {
+    days: 3,
+    location: '上海',
+    grade: 'P5',
+    transport_mode: '火车',
+    origin_location: null,
+    travel_date: '2026-05-25'
+  })

  const estimatedPreview = applyApplicationPolicyEstimateResult(preview, {
    days: 3,
@@ -1103,24 +1490,84 @@ test('application preview merges rule center travel estimate into highlighted ro
    hotel_amount: 1800,
    total_allowance_rate: 120,
    allowance_amount: 360,
-    total_amount: 2160,
+    transport_mode: '火车',
+    transport_origin: '武汉',
+    transport_destination: '上海',
+    transport_estimated_amount: 720,
+    transport_estimate_basis: '武汉-上海火车往返二等座预估',
+    transport_estimate_source: 'basic_rule_transport_estimate',
+    transport_estimate_confidence: '基础规则',
+    total_amount: 2880,
    rule_name: '公司差旅费报销规则',
    rule_version: '2026版'
  }, { grade: 'P5' })

  assert.equal(estimatedPreview.fields.lodgingDailyCap, '600元/天')
  assert.equal(estimatedPreview.fields.subsidyDailyCap, '120元/天')
-  assert.equal(estimatedPreview.fields.transportPolicy, '预估交通费用 1,100元')
+  assert.equal(estimatedPreview.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.doesNotMatch(estimatedPreview.fields.transportPolicy, /参考票价|查询耗时|2026-05-25|真实票据/)
-  assert.match(estimatedPreview.fields.policyEstimate, /交通 1,100元/)
-  assert.match(estimatedPreview.fields.policyEstimate, /3,260元/)
-  assert.equal(estimatedPreview.fields.transportEstimatedAmount, '1,100元')
-  assert.equal(estimatedPreview.fields.transportEstimateDate, '2026-05-25')
-  assert.match(estimatedPreview.fields.transportQueryLatencyMs, /^\d+ms$/)
-  assert.equal(estimatedPreview.fields.amount, '3,260元')
+  assert.match(estimatedPreview.fields.policyEstimate, /交通 720元/)
+  assert.match(estimatedPreview.fields.policyEstimate, /2,880元/)
+  assert.equal(estimatedPreview.fields.transportEstimatedAmount, '720元')
+  assert.equal(estimatedPreview.fields.transportEstimateSource, 'basic_rule_transport_estimate')
+  assert.equal(estimatedPreview.fields.transportQueryLatencyMs, '')
+  assert.equal(estimatedPreview.fields.amount, '2,880元')
  assert.equal(buildApplicationPreviewRows(estimatedPreview).find((row) => row.key === 'policyEstimate')?.highlight, true)
 })

+test('application preview blocks 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',
+    currentUser,
+    { 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(preview.missingFields.includes('出行方式'), true)
+  assert.equal(preview.readyToSubmit, false)
+
+  const staleEstimateResult = {
+    days: 4,
+    location: '上海',
+    matched_city: '上海',
+    grade: 'P5',
+    hotel_rate: 250,
+    hotel_amount: 1000,
+    total_allowance_rate: 100,
+    allowance_amount: 400,
+    transport_mode: '火车',
+    transport_origin: '武汉',
+    transport_destination: '上海',
+    transport_estimated_amount: 720,
+    transport_estimate_basis: '武汉-上海火车往返二等座预估',
+    transport_estimate_source: 'basic_rule_transport_estimate',
+    transport_estimate_confidence: '基础规则',
+    total_amount: 2120,
+    travel_date: '2026-02-20',
+    rule_name: '差旅住宿报销标准',
+    rule_version: 'v1.0.0'
+  }
+  const blockedEstimatePreview = applyApplicationPolicyEstimateResult(preview, {
+    ...staleEstimateResult,
+    transport_mode: ''
+  }, currentUser)
+  const staleEstimatePreview = applyApplicationPolicyEstimateResult(preview, staleEstimateResult, currentUser)
+
+  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.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')
+})
+
 test('application preview editor refreshes transport estimate after mode change', async () => {
  const preview = applyApplicationPolicyEstimateResult(
    buildLocalApplicationPreview('申请 2026-05-25 至 2026-05-27 去上海出差3天，服务项目部署', {
@@ -1162,9 +1609,9 @@ test('application preview editor refreshes transport estimate after mode change'

  assert.equal(committed, true)
  assert.equal(message.applicationPreview.fields.transportMode, '飞机')
-  assert.equal(message.applicationPreview.fields.transportEstimatedAmount, '2,330元')
-  assert.equal(message.applicationPreview.fields.amount, '4,490元')
-  assert.equal(message.applicationPreview.fields.transportPolicy, '预估交通费用 2,330元')
+  assert.equal(message.applicationPreview.fields.transportEstimatedAmount, '1,380元')
+  assert.equal(message.applicationPreview.fields.amount, '3,540元')
+  assert.equal(message.applicationPreview.fields.transportPolicy, '预估交通费用 1,380元')
  assert.doesNotMatch(message.applicationPreview.fields.transportPolicy, /参考票价|查询耗时|2026-05-25|真实票据/)
  assert.doesNotMatch(message.applicationPreview.fields.transportPolicy, /模拟/)
  assert.ok(persistCount >= 2)
@@ -1223,7 +1670,14 @@ test('application preview editor recalculates days and subsidy after date range
  const committed = await editor.commitApplicationPreviewDateEditor(message)

  assert.equal(committed, true)
-  assert.deepEqual(requestedPayloads.at(-1), { days: 4, location: '\u4e0a\u6d77', grade: 'P5' })
+  assert.deepEqual(requestedPayloads.at(-1), {
+    days: 4,
+    location: '\u4e0a\u6d77',
+    grade: 'P5',
+    transport_mode: '\u706b\u8f66',
+    origin_location: null,
+    travel_date: '2026-02-20'
+  })
  assert.equal(message.applicationPreview.fields.time, '2026-02-20 \u81f3 2026-02-23')
  assert.equal(message.applicationPreview.fields.days, '4\u5929')
  assert.equal(message.applicationPreview.fields.lodgingDailyCap, '450\u5143/\u5929')
--- a/web/tests/expense-application-submit-rich-confirm.test.mjs
+++ b/web/tests/expense-application-submit-rich-confirm.test.mjs
@@ -13,6 +13,14 @@ const createViewScript = readFileSync(
  fileURLToPath(new URL('../src/views/scripts/TravelReimbursementCreateView.js', import.meta.url)),
  'utf8'
 )
+const suggestedActionsScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/useTravelReimbursementSuggestedActions.js', import.meta.url)),
+  'utf8'
+)
+const stewardRuntimeScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/useTravelReimbursementStewardRuntime.js', import.meta.url)),
+  'utf8'
+)
 const messageItemStyles = readFileSync(
  fileURLToPath(new URL('../src/assets/styles/components/travel-reimbursement-message-item.css', import.meta.url)),
  'utf8'
@@ -40,21 +48,21 @@ test('expense application submit uses rich text link and confirm dialog', () =>
    /href === APPLICATION_SUBMIT_HREF[\s\S]*openApplicationSubmitConfirm\(message\)/
  )
  assert.match(
-    createViewScript,
-    /async function confirmApplicationSubmit\(\)[\s\S]*const applicationSubmitText[\s\S]*rawText: applicationSubmitText[\s\S]*systemGenerated: true[\s\S]*skipScopeGuard: true/
+    stewardRuntimeScript,
+    /async function confirmApplicationSubmit\(options = \{\}\)[\s\S]*const applicationSubmitText[\s\S]*rawText: applicationSubmitText[\s\S]*systemGenerated: true[\s\S]*skipScopeGuard: true/
  )
  assert.match(
-    createViewScript,
+    stewardRuntimeScript,
    /applicationSubmitConfirmDialog\.value = \{[\s\S]*open: false,[\s\S]*message: null[\s\S]*\}[\s\S]*const payload = await submitComposer/
  )
  assert.match(
-    createViewScript,
+    stewardRuntimeScript,
    /emit\('draft-saved', \{[\s\S]*status: 'submitted'[\s\S]*documentType: 'application'/
  )
-  assert.match(createViewScript, /buildTravelPlanningNudgeMessage\(applicationPreview, draftPayload\)/)
-  assert.match(createViewScript, /buildTravelPlanningSuggestedActions\(applicationPreview, draftPayload\)/)
-  assert.match(createViewScript, /meta:\s*\['行程规划推荐'\]/)
-  assert.match(createViewScript, /TRAVEL_PLANNING_ACTION_GENERATE/)
-  assert.match(createViewScript, /buildTravelPlanningRecommendation\(sourcePreview, sourceDraftPayload\)/)
-  assert.match(createViewScript, /TRAVEL_PLANNING_ACTION_SKIP/)
+  assert.match(stewardRuntimeScript, /buildTravelPlanningNudgeMessage\(applicationPreview, draftPayload\)/)
+  assert.match(stewardRuntimeScript, /buildTravelPlanningSuggestedActions\(applicationPreview, draftPayload\)/)
+  assert.match(stewardRuntimeScript, /meta:\s*\['行程规划推荐'\]/)
+  assert.match(suggestedActionsScript, /TRAVEL_PLANNING_ACTION_GENERATE/)
+  assert.match(suggestedActionsScript, /buildTravelPlanningRecommendation\(sourcePreview, sourceDraftPayload\)/)
+  assert.match(suggestedActionsScript, /TRAVEL_PLANNING_ACTION_SKIP/)
 })
--- a/web/tests/travel-reimbursement-guided-flow.test.mjs
+++ b/web/tests/travel-reimbursement-guided-flow.test.mjs
@@ -69,6 +69,10 @@ const guidedFlowScript = readFileSync(
  fileURLToPath(new URL('../src/views/scripts/useTravelReimbursementGuidedFlow.js', import.meta.url)),
  'utf8'
 )
+const suggestedActionsScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/useTravelReimbursementSuggestedActions.js', import.meta.url)),
+  'utf8'
+)
 const guidedModelScript = readFileSync(
  fileURLToPath(new URL('../src/views/scripts/travelReimbursementGuidedFlowModel.js', import.meta.url)),
  'utf8'
@@ -85,7 +89,7 @@ const submitComposerScript = readFileSync(
 test('assistant session modes expose independent quick actions', () => {
  assert.deepEqual(
    ASSISTANT_SESSION_MODE_OPTIONS.map((item) => item.label),
-    ['申请助手', '报销助手', '审核助手', '财务知识助手', '预算编制助手']
+    ['小财管家', '申请助手', '报销助手', '审核助手', '财务知识助手', '预算编制助手']
  )
  assert.deepEqual(
    EXPENSE_WELCOME_QUICK_ACTIONS.map((item) => item.label),
@@ -448,8 +452,8 @@ test('guided flow is local until final confirmation or collected query handoff',
  assert.match(guidedFlowScript, /handleSceneSelectionApplicationGate/)
  assert.match(createViewScript, /handleSceneSelectionApplicationGate/)
  assert.match(createViewScript, /if \(await handleGuidedComposerSubmit\(options\)\) \{[\s\S]*return null[\s\S]*\}[\s\S]*return submitComposerInternal\(options\)/)
-  assert.match(createViewScript, /ASSISTANT_SCOPE_ACTION_SWITCH/)
-  assert.match(createViewScript, /actionPayload\.carry_text/)
+  assert.match(suggestedActionsScript, /ASSISTANT_SCOPE_ACTION_SWITCH/)
+  assert.match(suggestedActionsScript, /actionPayload\.carry_text/)
  assert.match(submitComposerScript, /resolveAssistantScopeGuard/)
  assert.match(submitComposerScript, /skipScopeGuard/)
  assert.match(guidedFlowScript, /submitExistingComposer\(submitOptions\)/)
--- a/web/tests/travel-reimbursement-review-drawer-switch.test.mjs
+++ b/web/tests/travel-reimbursement-review-drawer-switch.test.mjs
@@ -23,6 +23,10 @@ const createViewScript = readFileSync(
  fileURLToPath(new URL('../src/views/scripts/TravelReimbursementCreateView.js', import.meta.url)),
  'utf8'
 )
+const reviewPanelModelScript = readFileSync(
+  fileURLToPath(new URL('../src/views/scripts/travelReimbursementReviewPanelModel.js', import.meta.url)),
+  'utf8'
+)
 const messageItemTemplate = readFileSync(
  fileURLToPath(new URL('../src/components/travel/TravelReimbursementMessageItem.vue', import.meta.url)),
  'utf8'
@@ -173,9 +177,9 @@ test('local transport review no longer uses the travel hotel template', () => {
  }

  assert.equal(isTravelReviewPayload(reviewPayload, { expense_type: '交通费' }), false)
-  assert.match(createViewScript, /shouldShowReviewFactCard\(reviewPayload, 'customer_name'/)
+  assert.match(reviewPanelModelScript, /shouldShowReviewFactCard\(reviewPayload, 'customer_name'/)
  assert.doesNotMatch(
-    createViewScript,
+    reviewPanelModelScript,
    /key:\s*'customer_name'[\s\S]{0,220}placeholder:\s*'请输入客户名称'[\s\S]{0,80}\},\s*\{[\s\S]{0,80}key:\s*'attachments'/
  )
  assert.match(createViewTemplate, /placeholder="例如：出租车\/网约车票据 \/ 火车\/高铁票"/)
@@ -279,7 +283,7 @@ test('next step action uses rich text guidance and confirm dialog instead of foo
 })

 test('review risk drawer lists risk briefs without score and posts details into the conversation', () => {
-  const riskItemsBlock = createViewScript.match(/function buildReviewRiskItems\(reviewPayload\) \{[\s\S]*?\n\}\n\nfunction buildReviewRiskConversationText/)
+  const riskItemsBlock = reviewPanelModelScript.match(/function buildReviewRiskItems\(reviewPayload\) \{[\s\S]*?\n\}\n\nexport function buildReviewRiskConversationText/)
  assert.ok(riskItemsBlock, 'risk item builder should be present')

  assert.doesNotMatch(createViewTemplate, /review-side-risk-score/)
@@ -288,9 +292,9 @@ test('review risk drawer lists risk briefs without score and posts details into
  assert.doesNotMatch(createViewScript, /function buildReviewRiskScore/)
  assert.doesNotMatch(createViewScript, /const reviewRiskScore/)
  assert.doesNotMatch(riskItemsBlock[0], /\.slice\(0,\s*6\)/)
-  assert.match(createViewScript, /const DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS = \[[\s\S]*'历史报销画像'[\s\S]*'制度注意事项'/)
+  assert.match(reviewPanelModelScript, /const DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS = \[[\s\S]*'历史报销画像'[\s\S]*'制度注意事项'/)
  assert.match(
-    createViewScript,
+    reviewPanelModelScript,
    /function resolveReviewRiskBriefs\(reviewPayload\) \{[\s\S]*DEPRECATED_REVIEW_RISK_TITLE_KEYWORDS\.some/
  )

@@ -300,17 +304,17 @@ test('review risk drawer lists risk briefs without score and posts details into
  )
  assert.doesNotMatch(createViewTemplate, /\{\{\s*item\.levelLabel\s*\}\}/)
  assert.match(createViewTemplate, /class="review-side-risk-icon" :title="item\.levelLabel"/)
-  assert.match(createViewScript, /info:\s*\{[\s\S]*label:\s*'提示'/)
-  assert.match(createViewScript, /medium:\s*\{[\s\S]*label:\s*'中风险'/)
-  assert.match(createViewScript, /low:\s*\{[\s\S]*label:\s*'低风险'/)
-  assert.match(createViewScript, /const isInfo = String\(item\?\.level \|\| ''\)\.trim\(\) === 'info'/)
-  assert.match(createViewScript, /\$\{isInfo \? '提示内容' : '风险点'\}：\$\{summary\}/)
-  assert.match(createViewScript, /\$\{isInfo \? '处理建议' : '修改建议'\}：\$\{suggestion\}/)
-  assert.match(createViewScript, /function normalizeReviewRiskTitle/)
-  assert.match(createViewScript, /\.replace\(\/AI\\s\*预审/)
-  assert.match(createViewScript, /\.replace\(\/\(高风险\|中风险\|低风险\)\/g,\s*''\)/)
-  assert.match(createViewScript, /sourceLabel:\s*meta\.label/)
-  assert.doesNotMatch(createViewScript, /normalizedTitle\.includes\('AI预审'\)/)
+  assert.match(reviewPanelModelScript, /info:\s*\{[\s\S]*label:\s*'提示'/)
+  assert.match(reviewPanelModelScript, /medium:\s*\{[\s\S]*label:\s*'中风险'/)
+  assert.match(reviewPanelModelScript, /low:\s*\{[\s\S]*label:\s*'低风险'/)
+  assert.match(reviewPanelModelScript, /const isInfo = String\(item\?\.level \|\| ''\)\.trim\(\) === 'info'/)
+  assert.match(reviewPanelModelScript, /\$\{isInfo \? '提示内容' : '风险点'\}：\$\{summary\}/)
+  assert.match(reviewPanelModelScript, /\$\{isInfo \? '处理建议' : '修改建议'\}：\$\{suggestion\}/)
+  assert.match(reviewPanelModelScript, /function normalizeReviewRiskTitle/)
+  assert.match(reviewPanelModelScript, /\.replace\(\/AI\\s\*预审/)
+  assert.match(reviewPanelModelScript, /\.replace\(\/\(高风险\|中风险\|低风险\)\/g,\s*''\)/)
+  assert.match(reviewPanelModelScript, /sourceLabel:\s*meta\.label/)
+  assert.doesNotMatch(reviewPanelModelScript, /normalizedTitle\.includes\('AI预审'\)/)
  assert.match(createViewScript, /metaTone:\s*item\.level \|\| 'low'/)
  assert.doesNotMatch(createViewTemplate, /@click="openReviewRiskDetail\(item\)"/)
  assert.doesNotMatch(createViewTemplate, /review-risk-detail-modal/)
@@ -321,7 +325,7 @@ test('review risk drawer lists risk briefs without score and posts details into
    createViewScript,
    /function appendReviewRiskBriefToConversation\(item\) \{[\s\S]*messages\.value\.push\(createMessage\('assistant'/
  )
-  assert.match(createViewScript, /function buildReviewRiskConversationText\(item, detailTarget = \{\}\)/)
+  assert.match(reviewPanelModelScript, /function buildReviewRiskConversationText\(item, detailTarget = \{\}\)/)
  assert.match(createViewScript, /function resolveReviewDetailTarget\(message = null\) \{[\s\S]*router\.resolve\(\{[\s\S]*name: 'app-document-detail'/)
  assert.match(createViewScript, /function resolveReviewRiskDetailTarget\(\) \{[\s\S]*return resolveReviewDetailTarget\(\)/)
  assert.match(createViewScript, /进入 \$\{claimNo\} 详情重新填写/)
@@ -335,14 +339,14 @@ test('review drawer default mode is scoped by the current action and travel over
  assert.match(reviewDrawerScript, /scope === 'documents' && hasDocuments[\s\S]*REVIEW_DRAWER_MODE_DOCUMENTS/)
  assert.match(reviewDrawerScript, /scope === 'risk' && hasRisks[\s\S]*REVIEW_DRAWER_MODE_RISK/)
  assert.match(reviewDrawerScript, /scope === 'overview'[\s\S]*REVIEW_DRAWER_MODE_REVIEW/)
-  assert.match(createViewScript, /function normalizeReviewPanelScope\(scope\)/)
+  assert.match(reviewPanelModelScript, /function normalizeReviewPanelScope\(scope\)/)
  assert.match(createViewScript, /canExposeReviewPanelScope\(item\.reviewPanelScope\)/)
  assert.match(createViewScript, /currentInsight\.value\.intent === 'agent' && agent[\s\S]*return null/)
-  assert.match(createViewScript, /function isTravelReviewPayload\(reviewPayload/)
-  assert.match(createViewScript, /function resolveReviewTravelTransportType\(reviewPayload/)
-  assert.match(createViewScript, /label: '交通类型'[\s\S]*modelKey: 'transport_type'/)
-  assert.match(createViewScript, /label: '酒店名称'[\s\S]*modelKey: 'merchant_name'/)
-  assert.match(createViewScript, /label: '出差事宜'[\s\S]*editor: 'textarea'[\s\S]*wide: true/)
+  assert.match(reviewPanelModelScript, /function isTravelReviewPayload\(reviewPayload/)
+  assert.match(reviewPanelModelScript, /function resolveReviewTravelTransportType\(reviewPayload/)
+  assert.match(reviewPanelModelScript, /label: '交通类型'[\s\S]*modelKey: 'transport_type'/)
+  assert.match(reviewPanelModelScript, /label: '酒店名称'[\s\S]*modelKey: 'merchant_name'/)
+  assert.match(reviewPanelModelScript, /label: '出差事宜'[\s\S]*editor: 'textarea'[\s\S]*wide: true/)
  assert.match(createViewTemplate, /item\.editor === 'textarea'[\s\S]*<textarea/)
  assert.match(createViewTemplate, /wide: item\.wide/)
 })
@@ -414,8 +418,8 @@ test('composer exposes travel calculator and posts spreadsheet-backed result int
 })

 test('continuing receipt upload preserves prior review form context', () => {
-  assert.match(createViewScript, /function buildReviewFormContextFromPayload\(reviewPayload, inlineState = null\)/)
-  assert.match(createViewScript, /function buildBusinessTimeContextFromReviewValues\(values = \{\}\)/)
+  assert.match(reviewPanelModelScript, /function buildReviewFormContextFromPayload\(reviewPayload, inlineState = null\)/)
+  assert.match(reviewPanelModelScript, /function buildBusinessTimeContextFromReviewValues\(values = \{\}\)/)
  assert.match(
    createViewScript,
    /resolvedUploadDisposition === 'continue_existing'[\s\S]*buildReviewFormContextFromPayload\([\s\S]*activeReviewPayload\.value[\s\S]*reviewInlineForm\.value[\s\S]*extraContext\.review_form_values/s