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

web/src/views/scripts/useApplicationPreviewEditor.js

@@ -4,8 +4,10 @@ import {
   APPLICATION_TRANSPORT_MODE_OPTIONS,
   buildApplicationPreviewRows,
   buildLocalApplicationPreviewMessage,
-  normalizeApplicationPreview
+  normalizeApplicationPreview,
+  refreshApplicationPreviewTransportEstimate
 } from '../../utils/expenseApplicationPreview.js'
+import { waitForMockApplicationTransportQuote } from '../../utils/expenseApplicationEstimate.js'
 import {
   buildWorkbenchDateLabel,
   canApplyWorkbenchDateSelection,
@@ -33,10 +35,28 @@ function buildEmptyEditor() {
     dateMode: 'single',
     singleDate: getTodayDateValue(),
     rangeStartDate: getTodayDateValue(),
-    rangeEndDate: getTodayDateValue()
+    rangeEndDate: getTodayDateValue(),
+    committing: false
   }
 }
 
+function shouldRefreshTransportEstimate(fieldKey) {
+  return ['transportMode', 'time', 'location', 'days'].includes(fieldKey)
+}
+
+function buildTransportEstimatePendingPreview(preview = {}) {
+  const fields = preview?.fields || {}
+  return normalizeApplicationPreview({
+    ...preview,
+    fields: {
+      ...fields,
+      transportPolicy: '正在查询交通参考票价...',
+      policyEstimate: '正在同步费用测算...',
+      transportEstimatedAmount: '查询中'
+    }
+  })
+}
+
 export function useApplicationPreviewEditor({ persistSessionState, toast } = {}) {
   const applicationPreviewEditor = ref(buildEmptyEditor())
 
@@ -74,6 +94,7 @@ export function useApplicationPreviewEditor({ persistSessionState, toast } = {})
       draftValue: fieldKey === 'transportMode' && !APPLICATION_TRANSPORT_MODE_OPTIONS.includes(normalizedValue)
         ? ''
         : normalizedValue,
+      committing: false,
       ...dateState
     }
   }
@@ -110,18 +131,29 @@ export function useApplicationPreviewEditor({ persistSessionState, toast } = {})
     })
   }
 
-  function commitApplicationPreviewEditor(message) {
+  async function commitApplicationPreviewEditor(message) {
     const editor = applicationPreviewEditor.value
+    if (editor.committing) {
+      return false
+    }
     if (!message?.applicationPreview || String(editor.messageId || '') !== String(message.id || '') || !editor.fieldKey) {
       cancelApplicationPreviewEditor()
       return false
     }
+    applicationPreviewEditor.value = {
+      ...editor,
+      committing: true
+    }
 
     const nextValue = editor.fieldKey === 'time'
       ? buildApplicationPreviewDateDraftValue()
       : String(editor.draftValue || '').trim()
     if (editor.fieldKey === 'time' && !nextValue) {
       toast?.('请先选择有效日期。')
+      applicationPreviewEditor.value = {
+        ...applicationPreviewEditor.value,
+        committing: false
+      }
       return false
     }
     const nextPreview = normalizeApplicationPreview({
@@ -131,15 +163,31 @@ export function useApplicationPreviewEditor({ persistSessionState, toast } = {})
         [editor.fieldKey]: nextValue
       }
     })
-    message.applicationPreview = nextPreview
-    message.text = buildLocalApplicationPreviewMessage(nextPreview)
+    const needRefreshTransport = shouldRefreshTransportEstimate(editor.fieldKey) && String(nextPreview.fields?.transportMode || '').trim()
+    message.applicationPreview = needRefreshTransport
+      ? buildTransportEstimatePendingPreview(nextPreview)
+      : nextPreview
+    message.text = buildLocalApplicationPreviewMessage(message.applicationPreview)
     cancelApplicationPreviewEditor()
     persistSessionState?.()
+    if (needRefreshTransport) {
+      await waitForMockApplicationTransportQuote({
+        transportMode: nextPreview.fields.transportMode,
+        location: nextPreview.fields.matchedCity || nextPreview.fields.location,
+        time: nextPreview.fields.time
+      })
+      const refreshedPreview = refreshApplicationPreviewTransportEstimate(nextPreview)
+      message.applicationPreview = refreshedPreview
+      message.text = buildLocalApplicationPreviewMessage(refreshedPreview)
+      persistSessionState?.()
+      toast?.('已更新出行方式和费用测算。')
+      return true
+    }
     toast?.('已更新核对表内容。')
     return true
   }
 
-  function commitApplicationPreviewDateEditor(message) {
+  async function commitApplicationPreviewDateEditor(message) {
     if (!canApplyApplicationPreviewDateSelection()) {
       toast?.('请确认结束日期不早于开始日期。')
       return false