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/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