fix: 移除规避率30%打折，已解决风险直接用预估损失作为规避价值

- 后端移除 RISK_AVOIDANCE_RATE，adjustedLossAvoided = lossAvoided
- 前端移除规避率列和30%说明，表格直接展示预估损失=规避损失
- 价值计算说明更新：系统已发现并解决，全部潜在损失即为规避价值

frontend/src/pages/tools/AnnualValueReport.tsx

@@ -231,9 +231,7 @@ export default function AnnualValueReport() {
                   <th className="text-left py-2 px-2 font-medium">员工</th>
                   <th className="text-left py-2 px-2 font-medium">部门</th>
                   <th className="text-center py-2 px-2 font-medium">风险数</th>
-                  <th className="text-right py-2 px-2 font-medium">原始损失</th>
-                  <th className="text-right py-2 px-2 font-medium">规避率</th>
-                  <th className="text-right py-2 px-2 font-medium">规避损失(×30%)</th>
+                  <th className="text-right py-2 px-2 font-medium">预估损失</th>
                   <th className="text-left py-2 px-2 font-medium">风险明细</th>
                 </tr>
               </thead>
@@ -243,8 +241,6 @@ export default function AnnualValueReport() {
                     <td className="py-2 px-2 font-medium">{emp.name}</td>
                     <td className="py-2 px-2 text-gray-600">{emp.department}</td>
                     <td className="py-2 px-2 text-center">{emp.riskCount}</td>
-                    <td className="py-2 px-2 text-right text-gray-600">¥{emp.lossAvoided.toLocaleString()}</td>
-                    <td className="py-2 px-2 text-right text-gray-400">30%</td>
                     <td className="py-2 px-2 text-right font-bold text-safe">¥{emp.adjustedLoss.toLocaleString()}</td>
                     <td className="py-2 px-2">
                       <div className="space-y-0.5">
@@ -264,9 +260,7 @@ export default function AnnualValueReport() {
               </tbody>
               <tfoot>
                 <tr className="border-t-2 border-gray-200 font-bold">
-                  <td className="py-2 px-2" colSpan={3}>合计</td>
-                  <td className="py-2 px-2 text-right">¥{(report.lossAvoided || 0).toLocaleString()}</td>
-                  <td className="py-2 px-2"></td>
+                  <td className="py-2 px-2" colSpan={2}>合计</td>
                   <td className="py-2 px-2 text-right text-safe">¥{(report.adjustedLossAvoided || 0).toLocaleString()}</td>
                   <td className="py-2 px-2"></td>
                 </tr>
@@ -282,7 +276,7 @@ export default function AnnualValueReport() {
         <div className="space-y-1 text-xs text-gray-600">
           <div className="flex items-start gap-1.5">
             <span className="w-1.5 h-1.5 rounded-full bg-safe mt-1 flex-shrink-0" />
-            <span><b>规避损失</b>：已解决风险的预估损失之和 × 30%规避率（依据《劳动合同法》量化模型，单条上限按法定标准封顶）</span>
+            <span><b>规避损失</b>：已解决风险的预估损失之和（系统已发现并解决，全部潜在损失即为规避价值，依据《劳动合同法》量化模型，单条上限按法定标准封顶）</span>
           </div>
           <div className="flex items-start gap-1.5">
             <span className="w-1.5 h-1.5 rounded-full bg-blue-500 mt-1 flex-shrink-0" />
@@ -294,7 +288,7 @@ export default function AnnualValueReport() {
           </div>
           <div className="flex items-start gap-1.5">
             <span className="w-1.5 h-1.5 rounded-full bg-amber-500 mt-1 flex-shrink-0" />
-            <span><b>总价值</b>：规避损失（打折后） + 节约成本</span>
+            <span><b>总价值</b>：规避损失 + 节约成本</span>
           </div>
           <div className="flex items-start gap-1.5">
             <span className="w-1.5 h-1.5 rounded-full bg-gray-400 mt-1 flex-shrink-0" />