feat: 扩展风险规则体系、审批动态路由与预算中心列表化改造

- 新增 25+ 条风险规则（预算/报销/申请/通用类），完善风险规则模拟与反馈发布机制
- 引入费用审批动态路由、平台风险分级、预审与风险阶段管理
- 预算中心列表化改造，优化票据夹仪表盘与数字员工工作看板
- 新增 Hermes 风险线索收集器、Agent 链路追踪中心
- 扩展数字员工能力库（18 个领域 Skill）与交通费用自动预估
- 完善报销申请快速预览、权限控制与前端测试覆盖

server/tests/test_risk_rule_dsl_examples.py

@@ -119,6 +119,53 @@ def test_duplicate_invoice_example_reports_duplicate_evidence() -> None:
     assert condition["duplicates"] == ["inv-dup-001"]
 
 
+def test_date_rule_uses_application_month_before_ticket_item_date() -> None:
+    claim = _claim()
+    claim.trip_start_date = None
+    claim.trip_end_date = None
+    claim.occurred_at = datetime(2026, 2, 20, tzinfo=UTC)
+    claim.items[0].item_date = date(2026, 2, 20)
+    claim.risk_flags_json = [
+        {
+            "source": "application_handoff",
+            "application_detail": {
+                "application_time": "6月",
+            },
+        }
+    ]
+
+    manifest = {
+        "template_key": COMPOSITE_RULE_TEMPLATE_KEY,
+        "params": {
+            "template_key": COMPOSITE_RULE_TEMPLATE_KEY,
+            "conditions": [
+                {
+                    "id": "ticket_date_outside_trip",
+                    "operator": "date_outside_range",
+                    "date_fields": ["item.item_date", "attachment.issue_date"],
+                    "range_start_fields": ["claim.trip_start_date"],
+                    "range_end_fields": ["claim.trip_end_date"],
+                    "tolerance_days": 0,
+                }
+            ],
+            "hit_logic": "ticket_date_outside_trip",
+            "condition_summary": "ticket date outside trip window",
+        },
+    }
+
+    result = RiskRuleTemplateExecutor().evaluate(
+        manifest,
+        claim=claim,
+        contexts=[{"document_info": {"issue_date": "2026-02-20"}}],
+    )
+
+    assert result is not None
+    condition = result["evidence"]["conditions"][0]
+    assert condition["range_start"] == "2026-06-01"
+    assert condition["range_end"] == "2026-06-30"
+    assert condition["outside_dates"] == ["2026-02-20"]
+
+
 def _claim(*, amount: Decimal = Decimal("1000.00")) -> ExpenseClaim:
     claim = ExpenseClaim(
         claim_no="TEST-RISK-RULE-DSL",