外包风险评估系统：领域引擎+前端+服务端持久化与生产部署
- 确定性领域引擎(分类/评分/分级/红线/费用/裁决)+LLM(通义千问)语言理解 - 6步评估向导、服务端草稿持久化(跨设备/编辑草稿保护) - 工作流(草稿→风控→管理层)、RBAC、报告导出、校准、客户/费率/红线/最低工资管理 - 专业图标体系替换全部emoji、看板美化 - 生产化:API_BASE可配置(同源反代)、auth密钥惰性读取修复RBAC - 444单测+204前端测试+51 e2e
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