feat: 新增预算费控模型与报销审批流引擎

后端新增预算费控服务和报销单审批流模块，引入申请人费用画像
算法，优化知识库 RAG 运行时和同步逻辑，完善报销单工作流常
量和明细同步，更新差旅报销规则电子表格，前端新增预算分析
组件和数字员工模型，完善审批对话框和洞察面板交互，优化侧
边栏和顶栏样式，补充单元测试。

web/tests/travel-request-detail-risk-advice.test.mjs

@@ -684,9 +684,12 @@ test('return reason dialog is wired into approval and detail return actions', ()
   assert.match(returnReasonDialog, /application_budget_basis_missing/)
   assert.match(returnReasonDialog, /application_policy_mismatch/)
   assert.match(returnReasonDialog, /application_attachment_needed/)
+  assert.match(returnReasonDialog, /application_other/)
   assert.match(returnReasonDialog, /退单选项/)
   assert.match(returnReasonDialog, /selectionError/)
-  assert.match(returnReasonDialog, /selectedCodes\.value\.length === 0/)
+  assert.match(returnReasonDialog, /selectedApplicationCode/)
+  assert.match(returnReasonDialog, /application \? 'radio' : 'checkbox'/)
+  assert.match(returnReasonDialog, /selectedReasonCodes\.value\.length === 0/)
   assert.match(returnReasonDialog, /lastAutoReason/)
   assert.match(returnReasonDialog, /reason_codes/)
   assert.match(approvalCenterTemplate, /<TravelRequestDetailView/)