feat(web): 报销单新增关联申请单门控与草稿检测流程

- 新增 travelReimbursementAssociationGateModel，查询可关联申请单/草稿报销单并生成跳过/选择/单独新建动作，区分差旅费与业务招待费类型
- travelReimbursementApplicationLinkModel 补充 buildLinkedApplicationReferenceIndex/buildRequiredApplicationActions 等关联构建逻辑
- useTravelReimbursementSuggestedActions 接入 select_required_application/skip 系列动作，'我要报销'入口改为先走关联门控
- useWorkbenchAiActionRouter 新增 SKIP_REQUIRED_APPLICATION_LINK/SKIP_REIMBURSEMENT_DRAFT_CHECK 动作分发
- useWorkbenchAiExpenseFlow 暴露 startAiReimbursementAssociationGate，stewardPlanModel 待处理流程适配
- 新增 workbench-ai-action-router、workbench-ai-reimbursement-association-gate 测试并更新 guided-flow、steward-plan 测试

web/tests/steward-plan-model-pending-flow.test.mjs

@@ -83,3 +83,44 @@ test('steward pending flow confirmation builds candidate actions', () => {
   assert.equal(actions[0].payload.flow_id, 'travel_application')
   assert.equal(actions[1].payload.flow_id, 'travel_reimbursement')
 })
+
+test('steward ready application confirmation routes workbench action to inline preview table', () => {
+  const actions = buildStewardSuggestedActions({
+    plan_id: 'steward-plan-ready-application',
+    plan_status: 'ready',
+    tasks: [
+      {
+        task_id: 'task-application-beijing',
+        task_type: 'expense_application',
+        title: '费用申请 2026-06-23 北京',
+        summary: '明天前往北京出差3天，支撑客户现场实施。',
+        assigned_agent: 'application_assistant',
+        ontology_fields: {
+          expense_type: 'travel',
+          time_range: '2026-06-23 至 2026-06-25',
+          location: '北京',
+          days: '3天',
+          reason: '支撑客户现场实施'
+        },
+        missing_fields: ['transport_mode']
+      }
+    ],
+    confirmation_groups: [
+      {
+        confirmation_id: 'confirm-application-beijing',
+        action_type: 'confirm_create_application',
+        target_task_id: 'task-application-beijing'
+      }
+    ]
+  })
+
+  assert.equal(actions.length, 1)
+  assert.equal(actions[0].label, '确定，先创建申请单')
+  assert.equal(actions[0].payload.steward_confirm_flow, true)
+  assert.equal(actions[0].payload.flow_id, 'travel_application')
+  assert.equal(actions[0].payload.expense_type, 'travel')
+  assert.equal(actions[0].payload.expense_type_label, '差旅费')
+  assert.match(actions[0].payload.carry_text, /支撑客户现场实施/)
+  assert.match(actions[0].payload.carry_text, /北京/)
+  assert.match(actions[0].payload.carry_text, /2026-06-23 至 2026-06-25/)
+})