refactor: 消除所有 api-services-raw 残留调用，API 口径完全统一

- dashboardApi 新增 resolveTodo/ignoreTodo/batchResolveTodos/batchIgnoreTodos
- notificationsApi 新增 checkContracts/test
- settingsApi 新增 confirmRetirementPolicy
- socialInsuranceApi 新增 monthlyChanges/housingMonthlyChanges/housingActiveDeclaration
- Dashboard.tsx 替换 4 处 apiPatch
- Settings.tsx 替换 4 处 apiPost
- Notifications.tsx 替换 1 处 apiPost
- SocialInsurance.tsx 替换 4 处 apiGet
- AIAssistant.tsx 移除未使用的 apiPost 导入
- 所有页面零 api-services-raw 依赖

frontend/src/pages/Settings.tsx

@@ -3,7 +3,6 @@ import { toast } from 'sonner'
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query'
 import { Building2, Users, CreditCard, Plus, Bell, Download, Upload, FileSpreadsheet, Clock, CheckCircle, AlertCircle, ClipboardList } from 'lucide-react'
 import { settingsApi, notificationsApi } from '../lib/api-services'
-import { post as apiPost, patch as apiPatch } from '../lib/api-services-raw'
 import { useAuthStore } from '../store/authStore'
 import Card from '../components/ui/Card'
 import Button from '../components/ui/Button'
@@ -158,7 +157,7 @@ function RetirementSection({ enabled, onToggle }: { enabled: boolean; onToggle:
   })
 
   const confirmMutation = useMutation({
-    mutationFn: (id: string) => apiPost(`/settings/retirement-policy/${id}/confirm`),
+    mutationFn: (id: string) => settingsApi.confirmRetirementPolicy(id),
     onSuccess: () => {
       toast.success('退休政策已确认生效')
       setConfirming(false)
@@ -762,7 +761,7 @@ function NotificationSettings() {
   })
 
   const checkMutation = useMutation({
-    mutationFn: () => apiPost('/notifications/check-contracts') as any,
+    mutationFn: () => notificationsApi.checkContracts() as any,
     onSuccess: (res: any) => {
       setCheckResult(`检查完成：发现 ${res.data.checked} 个即将到期的合同，已发送 ${res.data.notified} 条通知`)
       queryClient.invalidateQueries({ queryKey: ['notification-logs'] })
@@ -770,14 +769,14 @@ function NotificationSettings() {
   })
 
   const testWechatMutation = useMutation({
-    mutationFn: () => apiPost('/notifications/test', { channel: 'wechat' }) as any,
+    mutationFn: () => notificationsApi.test('wechat') as any,
     onSuccess: (res: any) => {
       toast.success(res.success ? res.data.message : (res.error?.message || '测试失败'))
     },
   })
 
   const testEmailMutation = useMutation({
-    mutationFn: () => apiPost('/notifications/test', { channel: 'email' }) as any,
+    mutationFn: () => notificationsApi.test('email') as any,
     onSuccess: (res: any) => {
       toast.success(res.success ? res.data.message : (res.error?.message || '测试失败'))
     },