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。

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)
           )