chore(config): 忽略文档解析生成的临时文件

- 添加 docs/parse-audit/ 到 .gitignore
- 添加 docs/parsed-backup/ 到 .gitignore
- 从版本控制中移除已跟踪的临时文件

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

@@ -24,3 +24,7 @@ CLAUDE.md
 *.pptx
 *.pptx
 
 
 .swc/
 .swc/
+
+# Document parsing generated files
+docs/parse-audit/
+docs/parsed-backup/

-# 产品配置审核 - 计划书模版2.docx
-
-**解析时间**: 2026/2/15 11:18:47
-**原始文件**: 计划书模版2.docx
-**数据来源**: docs/to-parse/计划书模版2.docx
-
----
-
-## 📋 产品基本信息
-
-| 字段 | 提取值 | 需要确认 |
-|------|--------|---------|
-| 产品名称 | 宏摯傳承保障計劃 - 性別, 年齡, 出生年月日 | ✅ 请核对产品名称 |
-| 产品类型 | savings | ✅ 请确认产品类型 |
-| 币种 | USD | ✅ 请确认币种 |
-| form_sn | `savings-product-ef3dd50b` | ✅ 请确认 form_sn 唯一性 |
-| 缴费年期 | ["整付","3年","5年","10年","15年"] | ✅ 请确认缴费年期选项 |
-| 年龄范围 | 0-75岁 | ✅ 请确认年龄范围 |
-| 保险期间 | 终身 | ✅ 请确认保险期间 |
-
-
-### 💰 储蓄类产品特有字段
-
-| 字段 | 提取值 | 需要确认 |
-|------|--------|---------|
-| 提取方式 | ["最高固定提取金额"] | ✅ 请确认提取方式 |
-| 提取期 | ["1年","3年","5年","10年"] | ✅ 请确认提取期选项 |
-
-
----
-
-## 🤖 智能字段提取报告
-
-### 匹配统计
-
-- ✅ 成功匹配: 4 字段
-- ⚠️  使用默认值: 3 字段
-- ❌ 未匹配（需人工补充）: 0 字段
-
-### ✅ 已成功匹配的字段
-
-- product_name
-- product_type
-- payment_periods
-- withdrawal_modes
-
-
-### ⚠️  使用默认值的字段
-
-- **currency**: 未找到字段 "currency"，使用默认值: "USD"
-- **age_range**: 未找到字段 "age_range"，使用默认值: {"min":0,"max":75}
-- **insurance_period**: 未找到字段 "insurance_period"，使用默认值: "终身"
-
-
-
-
----
-
-## 🧾 配置预览
-
-```javascript
-{
-  "product_name": "宏摯傳承保障計劃 - 性別, 年齡, 出生年月日",
-  "product_type": "savings",
-  "currency": "USD",
-  "form_sn": "savings-product-ef3dd50b",
-  "payment_periods": [
-    "整付",
-    "3年",
-    "5年",
-    "10年",
-    "15年"
-  ],
-  "age_range": {
-    "min": 0,
-    "max": 75
-  },
-  "insurance_period": "终身",
-  "is_savings": true,
-  "withdrawal_modes": [
-    "最高固定提取金额"
-  ],
-  "withdrawal_periods": [
-    "1年",
-    "3年",
-    "5年",
-    "10年"
-  ]
-}
-```
-
----
-
-## 📝 表单字段 (form_schema)
-
-```javascript
-{
-  "base_fields": [],
-  "withdrawal_fields": [],
-  "reset_map": {}
-}
-```
-
----
-
-## 🔄 提交字段映射 (submit_mapping)
-
-```javascript
-{}
-```
-
----
-
-## 🧩 生成配置片段
-
-```javascript
-/**
-   * 宏摯傳承保障計劃 - 性別, 年齡, 出生年月日
-   * @added 2026-02-15T03:18:47.616Z
-   * @source docs/to-parse/计划书模版2.docx
-   */
-  'savings-product-ef3dd50b': {
-    name: '宏摯傳承保障計劃 - 性別, 年齡, 出生年月日',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["整付","3年","5年","10年","15年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["最高固定提取金额"],
-        withdrawal_periods: ["1年","3年","5年","10年"]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  }
-```
-
----
-
-## ✅ 审核检查清单
-
-### 基础信息
-- [ ] 产品名称正确
-- [ ] 产品类型正确（savings/critical-illness/life-insurance）
-- [ ] 币种正确（USD/CNY/HKD/EUR）
-- [ ] form_sn 唯一且符合命名规范
-
-### 缴费与年龄
-- [ ] 缴费年期选项完整且正确
-- [ ] 年龄范围合理
-- [ ] 保险期间正确
-
-### 储蓄类特有（如适用）
-- [ ] 提取方式正确
-- [ ] 提取期选项完整
-- [ ] 表单字段定义完整
-- [ ] 提交字段映射正确
-
----
-
-## 📋 审核后操作
-
-### 确认无误
-```bash
-# 1. 移动到 approved 目录
-mv docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏摯傳承保障計劃-性別-年齡-出生年月日.md \
-   docs/parse-audit/approved/
-
-# 2. 合并到正式配置
-# 手动复制或使用工具合并到 src/config/plan-templates.js
-
-# 3. 删除待审核文件（可选）
-rm docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏摯傳承保障計劃-性別-年齡-出生年月日.md
-```
-
-### 需要修改
-1. 编辑本文件修正内容
-2. 重新提交审核
-
-### 放弃本次解析
-```bash
-rm docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏摯傳承保障計劃-性別-年齡-出生年月日.md
-```
-
----
-
-## 审核状态
-
-- [ ] 待审核
-- [ ] 已通过
-- [ ] 已拒绝
-
-## 审核意见
-
-```text
-```

-# 产品配置审核 - 计划书模版2.docx
-
-**解析时间**: 2026/2/15 11:18:47
-**原始文件**: 计划书模版2.docx
-**数据来源**: docs/to-parse/计划书模版2.docx
-
----
-
-## 📋 产品基本信息
-
-| 字段 | 提取值 | 需要确认 |
-|------|--------|---------|
-| 产品名称 | 宏摯家傳承保險計劃- 性別, 年齡, 出生年月日 | ✅ 请核对产品名称 |
-| 产品类型 | savings | ✅ 请确认产品类型 |
-| 币种 | USD | ✅ 请确认币种 |
-| form_sn | `savings-product-aaaa60f8` | ✅ 请确认 form_sn 唯一性 |
-| 缴费年期 | ["整付","3年","5年"] | ✅ 请确认缴费年期选项 |
-| 年龄范围 | 0-75岁 | ✅ 请确认年龄范围 |
-| 保险期间 | 终身 | ✅ 请确认保险期间 |
-
-
-### 💰 储蓄类产品特有字段
-
-| 字段 | 提取值 | 需要确认 |
-|------|--------|---------|
-| 提取方式 | ["年龄指定金额","最高固定金额"] | ✅ 请确认提取方式 |
-| 提取期 | ["1年","3年","5年","10年"] | ✅ 请确认提取期选项 |
-
-
----
-
-## 🤖 智能字段提取报告
-
-### 匹配统计
-
-- ✅ 成功匹配: 2 字段
-- ⚠️  使用默认值: 4 字段
-- ❌ 未匹配（需人工补充）: 0 字段
-
-### ✅ 已成功匹配的字段
-
-- product_name
-- payment_periods
-
-
-### ⚠️  使用默认值的字段
-
-- **product_type**: 未找到字段 "product_type"，使用默认值: "savings"
-- **currency**: 未找到字段 "currency"，使用默认值: "USD"
-- **age_range**: 未找到字段 "age_range"，使用默认值: {"min":0,"max":75}
-- **insurance_period**: 未找到字段 "insurance_period"，使用默认值: "终身"
-
-
-
-
----
-
-## 🧾 配置预览
-
-```javascript
-{
-  "product_name": "宏摯家傳承保險計劃- 性別, 年齡, 出生年月日",
-  "product_type": "savings",
-  "currency": "USD",
-  "form_sn": "savings-product-aaaa60f8",
-  "payment_periods": [
-    "整付",
-    "3年",
-    "5年"
-  ],
-  "age_range": {
-    "min": 0,
-    "max": 75
-  },
-  "insurance_period": "终身",
-  "is_savings": true,
-  "withdrawal_modes": [
-    "年龄指定金额",
-    "最高固定金额"
-  ],
-  "withdrawal_periods": [
-    "1年",
-    "3年",
-    "5年",
-    "10年"
-  ]
-}
-```
-
----
-
-## 📝 表单字段 (form_schema)
-
-```javascript
-{
-  "base_fields": [],
-  "withdrawal_fields": [],
-  "reset_map": {}
-}
-```
-
----
-
-## 🔄 提交字段映射 (submit_mapping)
-
-```javascript
-{}
-```
-
----
-
-## 🧩 生成配置片段
-
-```javascript
-/**
-   * 宏摯家傳承保險計劃- 性別, 年齡, 出生年月日
-   * @added 2026-02-15T03:18:47.644Z
-   * @source docs/to-parse/计划书模版2.docx
-   */
-  'savings-product-aaaa60f8': {
-    name: '宏摯家傳承保險計劃- 性別, 年齡, 出生年月日',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["整付","3年","5年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["年龄指定金额","最高固定金额"],
-        withdrawal_periods: ["1年","3年","5年","10年"]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  }
-```
-
----
-
-## ✅ 审核检查清单
-
-### 基础信息
-- [ ] 产品名称正确
-- [ ] 产品类型正确（savings/critical-illness/life-insurance）
-- [ ] 币种正确（USD/CNY/HKD/EUR）
-- [ ] form_sn 唯一且符合命名规范
-
-### 缴费与年龄
-- [ ] 缴费年期选项完整且正确
-- [ ] 年龄范围合理
-- [ ] 保险期间正确
-
-### 储蓄类特有（如适用）
-- [ ] 提取方式正确
-- [ ] 提取期选项完整
-- [ ] 表单字段定义完整
-- [ ] 提交字段映射正确
-
----
-
-## 📋 审核后操作
-
-### 确认无误
-```bash
-# 1. 移动到 approved 目录
-mv docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏摯家傳承保險計劃-性別-年齡-出生年月日.md \
-   docs/parse-audit/approved/
-
-# 2. 合并到正式配置
-# 手动复制或使用工具合并到 src/config/plan-templates.js
-
-# 3. 删除待审核文件（可选）
-rm docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏摯家傳承保險計劃-性別-年齡-出生年月日.md
-```
-
-### 需要修改
-1. 编辑本文件修正内容
-2. 重新提交审核
-
-### 放弃本次解析
-```bash
-rm docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏摯家傳承保險計劃-性別-年齡-出生年月日.md
-```
-
----
-
-## 审核状态
-
-- [ ] 待审核
-- [ ] 已通过
-- [ ] 已拒绝
-
-## 审核意见
-
-```text
-```

-# 产品配置审核 - 计划书模版2.docx
-
-**解析时间**: 2026/2/15 11:18:47
-**原始文件**: 计划书模版2.docx
-**数据来源**: docs/to-parse/计划书模版2.docx
-
----
-
-## 📋 产品基本信息
-
-| 字段 | 提取值 | 需要确认 |
-|------|--------|---------|
-| 产品名称 | 宏浚傳承保障計劃 | ✅ 请核对产品名称 |
-| 产品类型 | savings | ✅ 请确认产品类型 |
-| 币种 | USD | ✅ 请确认币种 |
-| form_sn | `savings-product-d1581522` | ✅ 请确认 form_sn 唯一性 |
-| 缴费年期 | ["整付","2年","5年"] | ✅ 请确认缴费年期选项 |
-| 年龄范围 | 0-75岁 | ✅ 请确认年龄范围 |
-| 保险期间 | 终身 | ✅ 请确认保险期间 |
-
-
-### 💰 储蓄类产品特有字段
-
-| 字段 | 提取值 | 需要确认 |
-|------|--------|---------|
-| 提取方式 | ["年龄指定金额","最高固定金额"] | ✅ 请确认提取方式 |
-| 提取期 | ["1年","3年","5年","10年"] | ✅ 请确认提取期选项 |
-
-
----
-
-## 🤖 智能字段提取报告
-
-### 匹配统计
-
-- ✅ 成功匹配: 2 字段
-- ⚠️  使用默认值: 4 字段
-- ❌ 未匹配（需人工补充）: 0 字段
-
-### ✅ 已成功匹配的字段
-
-- product_name
-- payment_periods
-
-
-### ⚠️  使用默认值的字段
-
-- **product_type**: 未找到字段 "product_type"，使用默认值: "savings"
-- **currency**: 未找到字段 "currency"，使用默认值: "USD"
-- **age_range**: 未找到字段 "age_range"，使用默认值: {"min":0,"max":75}
-- **insurance_period**: 未找到字段 "insurance_period"，使用默认值: "终身"
-
-
-
-
----
-
-## 🧾 配置预览
-
-```javascript
-{
-  "product_name": "宏浚傳承保障計劃",
-  "product_type": "savings",
-  "currency": "USD",
-  "form_sn": "savings-product-d1581522",
-  "payment_periods": [
-    "整付",
-    "2年",
-    "5年"
-  ],
-  "age_range": {
-    "min": 0,
-    "max": 75
-  },
-  "insurance_period": "终身",
-  "is_savings": true,
-  "withdrawal_modes": [
-    "年龄指定金额",
-    "最高固定金额"
-  ],
-  "withdrawal_periods": [
-    "1年",
-    "3年",
-    "5年",
-    "10年"
-  ]
-}
-```
-
----
-
-## 📝 表单字段 (form_schema)
-
-```javascript
-{
-  "base_fields": [],
-  "withdrawal_fields": [],
-  "reset_map": {}
-}
-```
-
----
-
-## 🔄 提交字段映射 (submit_mapping)
-
-```javascript
-{}
-```
-
----
-
-## 🧩 生成配置片段
-
-```javascript
-/**
-   * 宏浚傳承保障計劃
-   * @added 2026-02-15T03:18:47.644Z
-   * @source docs/to-parse/计划书模版2.docx
-   */
-  'savings-product-d1581522': {
-    name: '宏浚傳承保障計劃',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["整付","2年","5年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["年龄指定金额","最高固定金额"],
-        withdrawal_periods: ["1年","3年","5年","10年"]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  }
-```
-
----
-
-## ✅ 审核检查清单
-
-### 基础信息
-- [ ] 产品名称正确
-- [ ] 产品类型正确（savings/critical-illness/life-insurance）
-- [ ] 币种正确（USD/CNY/HKD/EUR）
-- [ ] form_sn 唯一且符合命名规范
-
-### 缴费与年龄
-- [ ] 缴费年期选项完整且正确
-- [ ] 年龄范围合理
-- [ ] 保险期间正确
-
-### 储蓄类特有（如适用）
-- [ ] 提取方式正确
-- [ ] 提取期选项完整
-- [ ] 表单字段定义完整
-- [ ] 提交字段映射正确
-
----
-
-## 📋 审核后操作
-
-### 确认无误
-```bash
-# 1. 移动到 approved 目录
-mv docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏浚傳承保障計劃.md \
-   docs/parse-audit/approved/
-
-# 2. 合并到正式配置
-# 手动复制或使用工具合并到 src/config/plan-templates.js
-
-# 3. 删除待审核文件（可选）
-rm docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏浚傳承保障計劃.md
-```
-
-### 需要修改
-1. 编辑本文件修正内容
-2. 重新提交审核
-
-### 放弃本次解析
-```bash
-rm docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-宏浚傳承保障計劃.md
-```
-
----
-
-## 审核状态
-
-- [ ] 待审核
-- [ ] 已通过
-- [ ] 已拒绝
-
-## 审核意见
-
-```text
-```

-# 产品配置审核 - 计划书模版2.docx
-
-**解析时间**: 2026/2/15 11:18:47
-**原始文件**: 计划书模版2.docx
-**数据来源**: docs/to-parse/计划书模版2.docx
-
----
-
-## 📋 产品基本信息
-
-| 字段 | 提取值 | 需要确认 |
-|------|--------|---------|
-| 产品名称 | 赤霞珠終身壽險計劃2基本人壽保障選項 | ✅ 请核对产品名称 |
-| 产品类型 | savings | ✅ 请确认产品类型 |
-| 币种 | USD | ✅ 请确认币种 |
-| form_sn | `savings-2-031c1237` | ✅ 请确认 form_sn 唯一性 |
-| 缴费年期 | ["5年","8年","12年","15年"] | ✅ 请确认缴费年期选项 |
-| 年龄范围 | 0-75岁 | ✅ 请确认年龄范围 |
-| 保险期间 | 终身 | ✅ 请确认保险期间 |
-
-
-### 💰 储蓄类产品特有字段
-
-| 字段 | 提取值 | 需要确认 |
-|------|--------|---------|
-| 提取方式 | ["年龄指定金额","最高固定金额"] | ✅ 请确认提取方式 |
-| 提取期 | ["1年","3年","5年","10年"] | ✅ 请确认提取期选项 |
-
-
----
-
-## 🤖 智能字段提取报告
-
-### 匹配统计
-
-- ✅ 成功匹配: 2 字段
-- ⚠️  使用默认值: 4 字段
-- ❌ 未匹配（需人工补充）: 0 字段
-
-### ✅ 已成功匹配的字段
-
-- product_name
-- payment_periods
-
-
-### ⚠️  使用默认值的字段
-
-- **product_type**: 未找到字段 "product_type"，使用默认值: "savings"
-- **currency**: 未找到字段 "currency"，使用默认值: "USD"
-- **age_range**: 未找到字段 "age_range"，使用默认值: {"min":0,"max":75}
-- **insurance_period**: 未找到字段 "insurance_period"，使用默认值: "终身"
-
-
-
-
----
-
-## 🧾 配置预览
-
-```javascript
-{
-  "product_name": "赤霞珠終身壽險計劃2基本人壽保障選項",
-  "product_type": "savings",
-  "currency": "USD",
-  "form_sn": "savings-2-031c1237",
-  "payment_periods": [
-    "5年",
-    "8年",
-    "12年",
-    "15年"
-  ],
-  "age_range": {
-    "min": 0,
-    "max": 75
-  },
-  "insurance_period": "终身",
-  "is_savings": true,
-  "withdrawal_modes": [
-    "年龄指定金额",
-    "最高固定金额"
-  ],
-  "withdrawal_periods": [
-    "1年",
-    "3年",
-    "5年",
-    "10年"
-  ]
-}
-```
-
----
-
-## 📝 表单字段 (form_schema)
-
-```javascript
-{
-  "base_fields": [],
-  "withdrawal_fields": [],
-  "reset_map": {}
-}
-```
-
----
-
-## 🔄 提交字段映射 (submit_mapping)
-
-```javascript
-{}
-```
-
----
-
-## 🧩 生成配置片段
-
-```javascript
-/**
-   * 赤霞珠終身壽險計劃2基本人壽保障選項
-   * @added 2026-02-15T03:18:47.645Z
-   * @source docs/to-parse/计划书模版2.docx
-   */
-  'savings-2-031c1237': {
-    name: '赤霞珠終身壽險計劃2基本人壽保障選項',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["5年","8年","12年","15年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["年龄指定金额","最高固定金额"],
-        withdrawal_periods: ["1年","3年","5年","10年"]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  }
-```
-
----
-
-## ✅ 审核检查清单
-
-### 基础信息
-- [ ] 产品名称正确
-- [ ] 产品类型正确（savings/critical-illness/life-insurance）
-- [ ] 币种正确（USD/CNY/HKD/EUR）
-- [ ] form_sn 唯一且符合命名规范
-
-### 缴费与年龄
-- [ ] 缴费年期选项完整且正确
-- [ ] 年龄范围合理
-- [ ] 保险期间正确
-
-### 储蓄类特有（如适用）
-- [ ] 提取方式正确
-- [ ] 提取期选项完整
-- [ ] 表单字段定义完整
-- [ ] 提交字段映射正确
-
----
-
-## 📋 审核后操作
-
-### 确认无误
-```bash
-# 1. 移动到 approved 目录
-mv docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-赤霞珠終身壽險計劃2基本人壽保障選項.md \
-   docs/parse-audit/approved/
-
-# 2. 合并到正式配置
-# 手动复制或使用工具合并到 src/config/plan-templates.js
-
-# 3. 删除待审核文件（可选）
-rm docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-赤霞珠終身壽險計劃2基本人壽保障選項.md
-```
-
-### 需要修改
-1. 编辑本文件修正内容
-2. 重新提交审核
-
-### 放弃本次解析
-```bash
-rm docs/parse-audit/pending/计划书模版2/2026-02-15-计划书模版2-赤霞珠終身壽險計劃2基本人壽保障選項.md
-```
-
----
-
-## 审核状态
-
-- [ ] 待审核
-- [ ] 已通过
-- [ ] 已拒绝
-
-## 审核意见
-
-```text
-```

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-{"action":"update","backup_file":"/Users/huyirui/program/itomix/git/manulife-weapp/docs/parsed-backup/plan-templates.backup.1771137003708.js","target_file":"/Users/huyirui/program/itomix/git/manulife-weapp/src/config/plan-templates.js","form_sn_list":["life-insurance-3-d8fde07d"],"at":"2026-02-15T06:30:03.709Z"}

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-{"at":"2026-02-14T14:06:15.148Z","mode":"single","options":{"dry_run":false},"summary":{"total":1,"success":1,"failed":0,"duration_ms":2,"success_list":[{"form_sn":"savings-readme-a4296d1f","product_name":"README","file":"README.md"}],"failed_list":[]},"change_summary":{"ok":false,"dry_run":false,"updated_count":0,"form_sn_list":[],"conflicts":["savings-readme-a4296d1f"],"reason":"conflict"}}
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-{"at":"2026-02-14T14:42:10.975Z","mode":"single","options":{"dry_run":false},"summary":{"total":1,"success":1,"failed":0,"duration_ms":28,"success_list":[{"form_sn":"savings-2-55bcffc2","product_name":"计划书模版2","file":"计划书模版2.docx"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":false,"updated_count":1,"form_sn_list":["savings-2-55bcffc2"],"conflicts":[],"reason":null}}
-{"at":"2026-02-14T15:16:37.454Z","mode":"single","options":{"dry_run":true},"summary":{"total":1,"success":1,"failed":0,"duration_ms":39,"success_list":[{"form_sn":"savings-product-54cf664a","product_name":"智享未来储蓄计划书","file":"测试计划书-智享未来2.md"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["savings-product-54cf664a"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 智享未来储蓄计划书\n+    * @added 2026-02-14T15:16:37.415Z\n+    * @source docs/to-parse/测试计划书-智享未来2.md\n+    */\n+   'savings-product-54cf664a': {\n+     name: '智享未来储蓄计划书',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-14T15:24:05.580Z","mode":"batch","options":{"dry_run":true},"summary":{"total":1,"success":1,"failed":0,"duration_ms":41,"success_list":[{"form_sn":"savings-2-55bcffc2","product_name":"计划书模版2","file":"计划书模版2.docx"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["savings-2-55bcffc2"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 计划书模版2\n+    * @added 2026-02-14T15:24:05.564Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-2-55bcffc2': {\n+     name: '计划书模版2',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-14T15:29:02.807Z","mode":"batch","options":{"dry_run":true},"summary":{"total":2,"success":2,"failed":0,"duration_ms":50,"success_list":[{"form_sn":"savings-2-55bcffc2","product_name":"计划书模版2","file":"计划书模版2.docx"},{"form_sn":"savings-3-8f4f27ad","product_name":"计划书模版3","file":"计划书模版3.docx"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":true,"updated_count":2,"form_sn_list":["savings-2-55bcffc2","savings-3-8f4f27ad"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 计划书模版2\n+    * @added 2026-02-14T15:29:02.781Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-2-55bcffc2': {\n+     name: '计划书模版2',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 计划书模版3\n+    * @added 2026-02-14T15:29:02.804Z\n+    * @source docs/to-parse/计划书模版3.docx\n+    */\n+   'savings-3-8f4f27ad': {\n+     name: '计划书模版3',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-14T15:30:22.307Z","mode":"batch","options":{"dry_run":true},"summary":{"total":2,"success":2,"failed":0,"duration_ms":49,"success_list":[{"form_sn":"savings-2-55bcffc2","product_name":"计划书模版2","file":"计划书模版2.docx"},{"form_sn":"savings-3-8f4f27ad","product_name":"计划书模版3","file":"计划书模版3.docx"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":true,"updated_count":2,"form_sn_list":["savings-2-55bcffc2","savings-3-8f4f27ad"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 计划书模版2\n+    * @added 2026-02-14T15:30:22.283Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-2-55bcffc2': {\n+     name: '计划书模版2',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 计划书模版3\n+    * @added 2026-02-14T15:30:22.304Z\n+    * @source docs/to-parse/计划书模版3.docx\n+    */\n+   'savings-3-8f4f27ad': {\n+     name: '计划书模版3',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-14T15:51:38.101Z","mode":"batch","options":{"dry_run":true},"summary":{"total":2,"success":2,"failed":0,"duration_ms":47,"success_list":[{"form_sn":"savings-2-55bcffc2","product_name":"计划书模版2","file":"计划书模版2.docx"},{"form_sn":"savings-3-8f4f27ad","product_name":"计划书模版3","file":"计划书模版3.docx"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":true,"updated_count":2,"form_sn_list":["savings-2-55bcffc2","savings-3-8f4f27ad"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 计划书模版2\n+    * @added 2026-02-14T15:51:38.078Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-2-55bcffc2': {\n+     name: '计划书模版2',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 计划书模版3\n+    * @added 2026-02-14T15:51:38.098Z\n+    * @source docs/to-parse/计划书模版3.docx\n+    */\n+   'savings-3-8f4f27ad': {\n+     name: '计划书模版3',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-14T15:58:54.732Z","mode":"batch","options":{"dry_run":true},"summary":{"total":2,"success":2,"failed":0,"duration_ms":51,"success_list":[{"form_sn":"savings-2-55bcffc2","product_name":"计划书模版2","file":"计划书模版2.docx"},{"form_sn":"savings-3-8f4f27ad","product_name":"计划书模版3","file":"计划书模版3.docx"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":true,"updated_count":2,"form_sn_list":["savings-2-55bcffc2","savings-3-8f4f27ad"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 计划书模版2\n+    * @added 2026-02-14T15:58:54.707Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-2-55bcffc2': {\n+     name: '计划书模版2',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"指定提取金额\",\"最高固定提取金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 计划书模版3\n+    * @added 2026-02-14T15:58:54.729Z\n+    * @source docs/to-parse/计划书模版3.docx\n+    */\n+   'savings-3-8f4f27ad': {\n+     name: '计划书模版3',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
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-{"at":"2026-02-14T16:41:18.047Z","mode":"single","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":4,"success":4,"failed":0,"duration_ms":46,"success_list":[{"form_sn":"savings-product-ef3dd50b","product_name":"宏摯傳承保障計劃 - 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-aaaa60f8","product_name":"宏摯家傳承保險計劃- 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-d1581522","product_name":"宏浚傳承保障計劃","file":"计划书模版2.docx"},{"form_sn":"savings-2-031c1237","product_name":"赤霞珠終身壽險計劃2基本人壽保障選項","file":"计划书模版2.docx"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":true,"updated_count":4,"form_sn_list":["savings-product-ef3dd50b","savings-product-aaaa60f8","savings-product-d1581522","savings-2-031c1237"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 宏摯傳承保障計劃 - 性別, 年齡, 出生年月日\n+    * @added 2026-02-14T16:41:18.029Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-ef3dd50b': {\n+     name: '宏摯傳承保障計劃 - 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\",\"10年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"最高固定提取金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏摯家傳承保險計劃- 性別, 年齡, 出生年月日\n+    * @added 2026-02-14T16:41:18.044Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-aaaa60f8': {\n+     name: '宏摯家傳承保險計劃- 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏浚傳承保障計劃\n+    * @added 2026-02-14T16:41:18.044Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-d1581522': {"}}
-{"at":"2026-02-14T16:41:27.896Z","mode":"single","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":4,"success":4,"failed":0,"duration_ms":47,"success_list":[{"form_sn":"savings-product-ef3dd50b","product_name":"宏摯傳承保障計劃 - 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-aaaa60f8","product_name":"宏摯家傳承保險計劃- 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-d1581522","product_name":"宏浚傳承保障計劃","file":"计划书模版2.docx"},{"form_sn":"savings-2-031c1237","product_name":"赤霞珠終身壽險計劃2基本人壽保障選項","file":"计划书模版2.docx"}],"failed_list":[]},"change_summary":{"ok":true,"dry_run":true,"updated_count":4,"form_sn_list":["savings-product-ef3dd50b","savings-product-aaaa60f8","savings-product-d1581522","savings-2-031c1237"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 宏摯傳承保障計劃 - 性別, 年齡, 出生年月日\n+    * @added 2026-02-14T16:41:27.878Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-ef3dd50b': {\n+     name: '宏摯傳承保障計劃 - 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\",\"10年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"最高固定提取金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏摯家傳承保險計劃- 性別, 年齡, 出生年月日\n+    * @added 2026-02-14T16:41:27.893Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-aaaa60f8': {\n+     name: '宏摯家傳承保險計劃- 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏浚傳承保障計劃\n+    * @added 2026-02-14T16:41:27.893Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-d1581522': {"}}
-{"at":"2026-02-15T02:10:06.819Z","mode":"batch","options":{"dry_run":true},"summary":{"total_docs":2,"total_products":5,"success":5,"failed":0,"duration_ms":73,"success_list":[{"form_sn":"savings-product-ef3dd50b","product_name":"宏摯傳承保障計劃 - 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-aaaa60f8","product_name":"宏摯家傳承保險計劃- 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-d1581522","product_name":"宏浚傳承保障計劃","file":"计划书模版2.docx"},{"form_sn":"savings-2-031c1237","product_name":"赤霞珠終身壽險計劃2基本人壽保障選項","file":"计划书模版2.docx"},{"form_sn":"savings-3-8f4f27ad","product_name":"计划书模版3","file":"计划书模版3.docx"}],"failed_list":[],"total":5},"change_summary":{"ok":true,"dry_run":true,"updated_count":5,"form_sn_list":["savings-product-ef3dd50b","savings-product-aaaa60f8","savings-product-d1581522","savings-2-031c1237","savings-3-8f4f27ad"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 宏摯傳承保障計劃 - 性別, 年齡, 出生年月日\n+    * @added 2026-02-15T02:10:06.768Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-ef3dd50b': {\n+     name: '宏摯傳承保障計劃 - 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\",\"10年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"最高固定提取金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏摯家傳承保險計劃- 性別, 年齡, 出生年月日\n+    * @added 2026-02-15T02:10:06.803Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-aaaa60f8': {\n+     name: '宏摯家傳承保險計劃- 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏浚傳承保障計劃\n+    * @added 2026-02-15T02:10:06.803Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-d1581522': {"}}
-{"at":"2026-02-15T02:19:44.455Z","mode":"batch","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":39,"success_list":[{"form_sn":"savings-3-8f4f27ad","product_name":"计划书模版3","file":"计划书模版3.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["savings-3-8f4f27ad"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 计划书模版3\n+    * @added 2026-02-15T02:19:44.438Z\n+    * @source docs/to-parse/计划书模版3.docx\n+    */\n+   'savings-3-8f4f27ad': {\n+     name: '计划书模版3',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\",\"8年\",\"12年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-15T02:20:31.001Z","mode":"batch","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":4,"success":4,"failed":0,"duration_ms":47,"success_list":[{"form_sn":"savings-product-ef3dd50b","product_name":"宏摯傳承保障計劃 - 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-aaaa60f8","product_name":"宏摯家傳承保險計劃- 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-d1581522","product_name":"宏浚傳承保障計劃","file":"计划书模版2.docx"},{"form_sn":"savings-2-031c1237","product_name":"赤霞珠終身壽險計劃2基本人壽保障選項","file":"计划书模版2.docx"}],"failed_list":[],"total":4},"change_summary":{"ok":true,"dry_run":true,"updated_count":4,"form_sn_list":["savings-product-ef3dd50b","savings-product-aaaa60f8","savings-product-d1581522","savings-2-031c1237"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 宏摯傳承保障計劃 - 性別, 年齡, 出生年月日\n+    * @added 2026-02-15T02:20:30.982Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-ef3dd50b': {\n+     name: '宏摯傳承保障計劃 - 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\",\"10年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"最高固定提取金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏摯家傳承保險計劃- 性別, 年齡, 出生年月日\n+    * @added 2026-02-15T02:20:30.997Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-aaaa60f8': {\n+     name: '宏摯家傳承保險計劃- 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏浚傳承保障計劃\n+    * @added 2026-02-15T02:20:30.997Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-d1581522': {"}}
-{"at":"2026-02-15T03:18:47.647Z","mode":"batch","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":4,"success":4,"failed":0,"duration_ms":54,"success_list":[{"form_sn":"savings-product-ef3dd50b","product_name":"宏摯傳承保障計劃 - 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-aaaa60f8","product_name":"宏摯家傳承保險計劃- 性別, 年齡, 出生年月日","file":"计划书模版2.docx"},{"form_sn":"savings-product-d1581522","product_name":"宏浚傳承保障計劃","file":"计划书模版2.docx"},{"form_sn":"savings-2-031c1237","product_name":"赤霞珠終身壽險計劃2基本人壽保障選項","file":"计划书模版2.docx"}],"failed_list":[],"total":4},"change_summary":{"ok":true,"dry_run":true,"updated_count":4,"form_sn_list":["savings-product-ef3dd50b","savings-product-aaaa60f8","savings-product-d1581522","savings-2-031c1237"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 宏摯傳承保障計劃 - 性別, 年齡, 出生年月日\n+    * @added 2026-02-15T03:18:47.616Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-ef3dd50b': {\n+     name: '宏摯傳承保障計劃 - 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\",\"10年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"最高固定提取金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏摯家傳承保險計劃- 性別, 年齡, 出生年月日\n+    * @added 2026-02-15T03:18:47.644Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-aaaa60f8': {\n+     name: '宏摯家傳承保險計劃- 性別, 年齡, 出生年月日',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"整付\",\"3年\",\"5年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   },\n+ \n+   /**\n+    * 宏浚傳承保障計劃\n+    * @added 2026-02-15T03:18:47.644Z\n+    * @source docs/to-parse/计划书模版2.docx\n+    */\n+   'savings-product-d1581522': {"}}
-{"at":"2026-02-15T05:43:33.427Z","mode":"single","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":39,"success_list":[{"form_sn":"savings-4-a204daaf","product_name":"计划书模版4","file":"计划书模版4.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["savings-4-a204daaf"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 计划书模版4\n+    * @added 2026-02-15T05:43:33.409Z\n+    * @source docs/to-parse/计划书模版4.docx\n+    */\n+   'savings-4-a204daaf': {\n+     name: '计划书模版4',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\",\"12年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-15T05:45:13.034Z","mode":"batch","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":39,"success_list":[{"form_sn":"savings-4-a204daaf","product_name":"计划书模版4","file":"计划书模版4.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["savings-4-a204daaf"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 计划书模版4\n+    * @added 2026-02-15T05:45:13.016Z\n+    * @source docs/to-parse/计划书模版4.docx\n+    */\n+   'savings-4-a204daaf': {\n+     name: '计划书模版4',\n+     component: 'SavingsTemplate',\n+     category: 'savings',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\",\"12年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       withdrawal_plan: {\n+         enabled: true,\n+         currencies: ['HKD', 'USD', 'CNY'],\n+         default_currency: 'USD',\n+         withdrawal_modes: [\"年龄指定金额\",\"最高固定金额\"],\n+         withdrawal_periods: [\"1年\",\"3年\",\"5年\",\"10年\"]\n+       },\n+       form_schema: savingsFormSchema,\n+       submit_mapping: savingsSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-15T06:08:21.190Z","mode":"single","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":51,"success_list":[{"form_sn":"life-insurance-3-d8fde07d","product_name":"长宁終身壽險計劃3","file":"计划书模版4.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["life-insurance-3-d8fde07d"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 长宁終身壽險計劃3\n+    * @added 2026-02-15T06:08:21.159Z\n+    * @source docs/to-parse/计划书模版4.docx\n+    */\n+   'life-insurance-3-d8fde07d': {\n+     name: '长宁終身壽險計劃3',\n+     component: 'LifeInsuranceTemplate',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\",\"12年\",\"15年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       form_schema: protectionFormSchema,\n+       submit_mapping: baseSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-15T06:12:50.918Z","mode":"single","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":39,"success_list":[{"form_sn":"life-insurance-3-d8fde07d","product_name":"长宁終身壽險計劃3","file":"计划书模版4.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["life-insurance-3-d8fde07d"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 长宁終身壽險計劃3\n+    * @added 2026-02-15T06:12:50.901Z\n+    * @source docs/to-parse/计划书模版4.docx\n+    */\n+   'life-insurance-3-d8fde07d': {\n+     name: '长宁終身壽險計劃3',\n+     component: 'LifeInsuranceTemplate',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\",\"12年\",\"15年\",\"终身\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       form_schema: protectionFormSchema,\n+       submit_mapping: baseSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-15T06:13:11.114Z","mode":"single","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":39,"success_list":[{"form_sn":"life-insurance-3-d8fde07d","product_name":"长宁終身壽險計劃3","file":"计划书模版4.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["life-insurance-3-d8fde07d"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 长宁終身壽險計劃3\n+    * @added 2026-02-15T06:13:11.097Z\n+    * @source docs/to-parse/计划书模版4.docx\n+    */\n+   'life-insurance-3-d8fde07d': {\n+     name: '长宁終身壽險計劃3',\n+     component: 'LifeInsuranceTemplate',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\",\"12年\",\"15年\",\"终身\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       form_schema: protectionFormSchema,\n+       submit_mapping: baseSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-15T06:17:26.826Z","mode":"single","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":38,"success_list":[{"form_sn":"life-insurance-3-d8fde07d","product_name":"长宁終身壽險計劃3","file":"计划书模版4.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["life-insurance-3-d8fde07d"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 长宁終身壽險計劃3\n+    * @added 2026-02-15T06:17:26.808Z\n+    * @source docs/to-parse/计划书模版4.docx\n+    */\n+   'life-insurance-3-d8fde07d': {\n+     name: '长宁終身壽險計劃3',\n+     component: 'LifeInsuranceTemplate',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\",\"12年\",\"15年\",\"20年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       form_schema: protectionFormSchema,\n+       submit_mapping: baseSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-15T06:17:45.723Z","mode":"single","options":{"dry_run":true},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":38,"success_list":[{"form_sn":"life-insurance-3-d8fde07d","product_name":"长宁終身壽險計劃3","file":"计划书模版4.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":true,"updated_count":1,"form_sn_list":["life-insurance-3-d8fde07d"],"conflicts":[],"reason":null,"diff_preview":"--- plan-templates.js\n+++ plan-templates.js\n+   /**\n+    * 长宁終身壽險計劃3\n+    * @added 2026-02-15T06:17:45.705Z\n+    * @source docs/to-parse/计划书模版4.docx\n+    */\n+   'life-insurance-3-d8fde07d': {\n+     name: '长宁終身壽險計劃3',\n+     component: 'LifeInsuranceTemplate',\n+     config: {\n+       currency: 'USD',\n+       payment_periods: [\"5年\",\"12年\",\"15年\",\"20年\"],\n+       age_range: { min: 0, max: 75 },\n+       insurance_period: '终身',\n+       form_schema: protectionFormSchema,\n+       submit_mapping: baseSubmitMapping\n+     }\n+   }"}}
-{"at":"2026-02-15T06:30:03.709Z","mode":"single","options":{"dry_run":false},"summary":{"total_docs":1,"total_products":1,"success":1,"failed":0,"duration_ms":39,"success_list":[{"form_sn":"life-insurance-3-d8fde07d","product_name":"长宁終身壽險計劃3","file":"计划书模版4.docx"}],"failed_list":[],"total":1},"change_summary":{"ok":true,"dry_run":false,"updated_count":1,"form_sn_list":["life-insurance-3-d8fde07d"],"conflicts":[],"reason":null}}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身' // 保险期间
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身'
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身'
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身'
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身'
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: [
-          '年龄指定金额', // 方式1
-          '最高固定金额'  // 方式2
-        ],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      }
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['年龄指定金额', '最高固定金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      }
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['年龄指定金额', '最高固定金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      }
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['年龄指定金额', '最高固定金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      }
-    }
-  }
-}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身' // 保险期间
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身'
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身'
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身'
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身'
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: [
-          '年龄指定金额', // 方式1
-          '最高固定金额'  // 方式2
-        ],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      }
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['年龄指定金额', '最高固定金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      }
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['年龄指定金额', '最高固定金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      }
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['年龄指定金额', '最高固定金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      }
-    }
-  }
-}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-// 基础提交字段映射（适用于人寿/重疾等通用表单）
-const baseSubmitMapping = {
-  customer_name: { api_field: 'customer_name' },
-  gender: { api_field: 'customer_gender' },
-  birthday: { api_field: 'customer_birthday' },
-  smoker: { api_field: 'smoking_status' },
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
-  payment_period: { api_field: 'payment_years' },
-  total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
-}
-
-// 人寿/重疾基础表单 Schema（通用保障类）
-const protectionFormSchema = {
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '保额', placeholder: '请输入保额', input_label: '请输入保额金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ]
-}
-
-// 储蓄类提交字段映射（在基础映射上追加提取计划字段）
-const savingsSubmitMapping = {
-  ...baseSubmitMapping,
-  withdrawal_enabled: { api_field: 'allow_reduce_amount' },
-  withdrawal_mode: { api_field: 'withdrawal_option' },
-  withdrawal_method: { api_field: 'withdrawal_method' },
-  annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
-  annual_increase_percentage: { api_field: 'annual_increase_percentage' },
-  withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_specified: { api_field: 'withdrawal_period' },
-  withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_fixed: { api_field: 'withdrawal_period' }
-}
-
-// 储蓄类表单 Schema（渲染 + 校验 + 联动的唯一入口）
-const savingsFormSchema = {
-  // 基础字段：非提取计划部分
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ],
-  // 提取计划字段：由 withdrawal_plan 开关控制
-  withdrawal_fields: [
-    { id: 'withdrawal_enabled', key: 'withdrawal_enabled', type: 'radio', label: '是否希望生成一份允许减少名义金额的提取说明？', options: ['是', '否'], required: true, default: '否' },
-    { id: 'withdrawal_mode', key: 'withdrawal_mode', type: 'radio', label: '提取选项', options: ['指定提取金额', '最高固定提取金额'], required: true, default: '指定提取金额', section_title: '款项提取（允许减少名义金额）' },
-    { id: 'withdrawal_method', key: 'withdrawal_method', type: 'radio', label: '提取方式', options: ['按年岁'], required: true, default: '按年岁', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_withdrawal_amount', key: 'annual_withdrawal_amount', type: 'amount', label: '每年提取金额', placeholder: '请输入每年提取金额', input_label: '请输入每年提取金额', required: true, currency_from: 'withdrawal_plan.default_currency', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_specified', key: 'withdrawal_start_age_specified', type: 'age', label: '由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_period_specified', key: 'withdrawal_period_specified', type: 'select', label: '提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_increase_percentage', key: 'annual_increase_percentage', type: 'percentage', label: '每年递增提取之百分比（%）', placeholder: '请输入递增百分比', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_fixed', key: 'withdrawal_start_age_fixed', type: 'age', label: '按年岁：由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] },
-    { id: 'withdrawal_period_fixed', key: 'withdrawal_period_fixed', type: 'select', label: '按年岁：提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] }
-  ],
-  // 提取模式切换时的清空逻辑，避免脏字段影响提交
-  reset_map: {
-    withdrawal_mode: {
-      '最高固定提取金额': ['annual_withdrawal_amount', 'annual_increase_percentage', 'withdrawal_start_age_specified', 'withdrawal_period_specified'],
-      '指定提取金额': ['withdrawal_start_age_fixed', 'withdrawal_period_fixed']
-    }
-  }
-}
-
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身', // 保险期间
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  }
-}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-// 基础提交字段映射（适用于人寿/重疾等通用表单）
-const baseSubmitMapping = {
-  customer_name: { api_field: 'customer_name' },
-  gender: { api_field: 'customer_gender' },
-  birthday: { api_field: 'customer_birthday' },
-  smoker: { api_field: 'smoking_status' },
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
-  payment_period: { api_field: 'payment_years' },
-  total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
-}
-
-// 人寿/重疾基础表单 Schema（通用保障类）
-const protectionFormSchema = {
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '保额', placeholder: '请输入保额', input_label: '请输入保额金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ]
-}
-
-// 储蓄类提交字段映射（在基础映射上追加提取计划字段）
-const savingsSubmitMapping = {
-  ...baseSubmitMapping,
-  withdrawal_enabled: { api_field: 'allow_reduce_amount' },
-  withdrawal_mode: { api_field: 'withdrawal_option' },
-  withdrawal_method: { api_field: 'withdrawal_method' },
-  annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
-  annual_increase_percentage: { api_field: 'annual_increase_percentage' },
-  withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_specified: { api_field: 'withdrawal_period' },
-  withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_fixed: { api_field: 'withdrawal_period' }
-}
-
-// 储蓄类表单 Schema（渲染 + 校验 + 联动的唯一入口）
-const savingsFormSchema = {
-  // 基础字段：非提取计划部分
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ],
-  // 提取计划字段：由 withdrawal_plan 开关控制
-  withdrawal_fields: [
-    { id: 'withdrawal_enabled', key: 'withdrawal_enabled', type: 'radio', label: '是否希望生成一份允许减少名义金额的提取说明？', options: ['是', '否'], required: true, default: '否' },
-    { id: 'withdrawal_mode', key: 'withdrawal_mode', type: 'radio', label: '提取选项', options: ['指定提取金额', '最高固定提取金额'], required: true, default: '指定提取金额', section_title: '款项提取（允许减少名义金额）' },
-    { id: 'withdrawal_method', key: 'withdrawal_method', type: 'radio', label: '提取方式', options: ['按年岁'], required: true, default: '按年岁', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_withdrawal_amount', key: 'annual_withdrawal_amount', type: 'amount', label: '每年提取金额', placeholder: '请输入每年提取金额', input_label: '请输入每年提取金额', required: true, currency_from: 'withdrawal_plan.default_currency', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_specified', key: 'withdrawal_start_age_specified', type: 'age', label: '由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_period_specified', key: 'withdrawal_period_specified', type: 'select', label: '提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_increase_percentage', key: 'annual_increase_percentage', type: 'percentage', label: '每年递增提取之百分比（%）', placeholder: '请输入递增百分比', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_fixed', key: 'withdrawal_start_age_fixed', type: 'age', label: '按年岁：由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] },
-    { id: 'withdrawal_period_fixed', key: 'withdrawal_period_fixed', type: 'select', label: '按年岁：提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] }
-  ],
-  // 提取模式切换时的清空逻辑，避免脏字段影响提交
-  reset_map: {
-    withdrawal_mode: {
-      '最高固定提取金额': ['annual_withdrawal_amount', 'annual_increase_percentage', 'withdrawal_start_age_specified', 'withdrawal_period_specified'],
-      '指定提取金额': ['withdrawal_start_age_fixed', 'withdrawal_period_fixed']
-    }
-  }
-}
-
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身', // 保险期间
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  /**
-   * 测试计划书-智享未来
-   * @added 2026-02-14T13:10:33.924Z
-   * @source docs/to-parse/测试计划书-智享未来.md
-   */
-  'savings-product-30b41aae': {
-    name: '测试计划书-智享未来',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["整付", "3年", "5年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["年龄指定金额", "最高固定金额"],
-        withdrawal_periods: ["1年", "3年", "5年", "10年"]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  }
-}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-// 基础提交字段映射（适用于人寿/重疾等通用表单）
-const baseSubmitMapping = {
-  customer_name: { api_field: 'customer_name' },
-  gender: { api_field: 'customer_gender' },
-  birthday: { api_field: 'customer_birthday' },
-  smoker: { api_field: 'smoking_status' },
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
-  payment_period: { api_field: 'payment_years' },
-  total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
-}
-
-// 人寿/重疾基础表单 Schema（通用保障类）
-const protectionFormSchema = {
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '保额', placeholder: '请输入保额', input_label: '请输入保额金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ]
-}
-
-// 储蓄类提交字段映射（在基础映射上追加提取计划字段）
-const savingsSubmitMapping = {
-  ...baseSubmitMapping,
-  withdrawal_enabled: { api_field: 'allow_reduce_amount' },
-  withdrawal_mode: { api_field: 'withdrawal_option' },
-  withdrawal_method: { api_field: 'withdrawal_method' },
-  annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
-  annual_increase_percentage: { api_field: 'annual_increase_percentage' },
-  withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_specified: { api_field: 'withdrawal_period' },
-  withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_fixed: { api_field: 'withdrawal_period' }
-}
-
-// 储蓄类表单 Schema（渲染 + 校验 + 联动的唯一入口）
-const savingsFormSchema = {
-  // 基础字段：非提取计划部分
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ],
-  // 提取计划字段：由 withdrawal_plan 开关控制
-  withdrawal_fields: [
-    { id: 'withdrawal_enabled', key: 'withdrawal_enabled', type: 'radio', label: '是否希望生成一份允许减少名义金额的提取说明？', options: ['是', '否'], required: true, default: '否' },
-    { id: 'withdrawal_mode', key: 'withdrawal_mode', type: 'radio', label: '提取选项', options: ['指定提取金额', '最高固定提取金额'], required: true, default: '指定提取金额', section_title: '款项提取（允许减少名义金额）' },
-    { id: 'withdrawal_method', key: 'withdrawal_method', type: 'radio', label: '提取方式', options: ['按年岁'], required: true, default: '按年岁', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_withdrawal_amount', key: 'annual_withdrawal_amount', type: 'amount', label: '每年提取金额', placeholder: '请输入每年提取金额', input_label: '请输入每年提取金额', required: true, currency_from: 'withdrawal_plan.default_currency', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_specified', key: 'withdrawal_start_age_specified', type: 'age', label: '由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_period_specified', key: 'withdrawal_period_specified', type: 'select', label: '提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_increase_percentage', key: 'annual_increase_percentage', type: 'percentage', label: '每年递增提取之百分比（%）', placeholder: '请输入递增百分比', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_fixed', key: 'withdrawal_start_age_fixed', type: 'age', label: '按年岁：由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] },
-    { id: 'withdrawal_period_fixed', key: 'withdrawal_period_fixed', type: 'select', label: '按年岁：提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] }
-  ],
-  // 提取模式切换时的清空逻辑，避免脏字段影响提交
-  reset_map: {
-    withdrawal_mode: {
-      '最高固定提取金额': ['annual_withdrawal_amount', 'annual_increase_percentage', 'withdrawal_start_age_specified', 'withdrawal_period_specified'],
-      '指定提取金额': ['withdrawal_start_age_fixed', 'withdrawal_period_fixed']
-    }
-  }
-}
-
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身', // 保险期间
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  /**
-   * 测试计划书-智享未来
-   * @added 2026-02-14T13:10:33.924Z
-   * @source docs/to-parse/测试计划书-智享未来.md
-   */
-  'savings-product-30b41aae': {
-    name: '测试计划书-智享未来',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["整付", "3年", "5年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["年龄指定金额", "最高固定金额"],
-        withdrawal_periods: ["1年", "3年", "5年", "10年"]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  /**
-   * 测试计划书-智享未来2
-   * @added 2026-02-14T13:58:50.776Z
-   * @source docs/to-parse/测试计划书-智享未来2.md
-   */
-  'savings-2-148b3acd': {
-    name: '测试计划书-智享未来2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["整付","3年","5年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["年龄指定金额","最高固定金额"],
-        withdrawal_periods: ["1年","3年","5年","10年"]
-      },
-      form_schema: {
-        "base_fields": [],
-        "withdrawal_fields": [],
-        "reset_map": {}
-      },
-      submit_mapping: savingsSubmitMapping
-    }
-  }}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-// 基础提交字段映射（适用于人寿/重疾等通用表单）
-const baseSubmitMapping = {
-  customer_name: { api_field: 'customer_name' },
-  gender: { api_field: 'customer_gender' },
-  birthday: { api_field: 'customer_birthday' },
-  smoker: { api_field: 'smoking_status' },
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
-  payment_period: { api_field: 'payment_years' },
-  total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
-}
-
-// 人寿/重疾基础表单 Schema（通用保障类）
-const protectionFormSchema = {
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '保额', placeholder: '请输入保额', input_label: '请输入保额金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ]
-}
-
-// 储蓄类提交字段映射（在基础映射上追加提取计划字段）
-const savingsSubmitMapping = {
-  ...baseSubmitMapping,
-  withdrawal_enabled: { api_field: 'allow_reduce_amount' },
-  withdrawal_mode: { api_field: 'withdrawal_option' },
-  withdrawal_method: { api_field: 'withdrawal_method' },
-  annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
-  annual_increase_percentage: { api_field: 'annual_increase_percentage' },
-  withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_specified: { api_field: 'withdrawal_period' },
-  withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_fixed: { api_field: 'withdrawal_period' }
-}
-
-// 储蓄类表单 Schema（渲染 + 校验 + 联动的唯一入口）
-const savingsFormSchema = {
-  // 基础字段：非提取计划部分
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ],
-  // 提取计划字段：由 withdrawal_plan 开关控制
-  withdrawal_fields: [
-    { id: 'withdrawal_enabled', key: 'withdrawal_enabled', type: 'radio', label: '是否希望生成一份允许减少名义金额的提取说明？', options: ['是', '否'], required: true, default: '否' },
-    { id: 'withdrawal_mode', key: 'withdrawal_mode', type: 'radio', label: '提取选项', options: ['指定提取金额', '最高固定提取金额'], required: true, default: '指定提取金额', section_title: '款项提取（允许减少名义金额）' },
-    { id: 'withdrawal_method', key: 'withdrawal_method', type: 'radio', label: '提取方式', options: ['按年岁'], required: true, default: '按年岁', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_withdrawal_amount', key: 'annual_withdrawal_amount', type: 'amount', label: '每年提取金额', placeholder: '请输入每年提取金额', input_label: '请输入每年提取金额', required: true, currency_from: 'withdrawal_plan.default_currency', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_specified', key: 'withdrawal_start_age_specified', type: 'age', label: '由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_period_specified', key: 'withdrawal_period_specified', type: 'select', label: '提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_increase_percentage', key: 'annual_increase_percentage', type: 'percentage', label: '每年递增提取之百分比（%）', placeholder: '请输入递增百分比', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_fixed', key: 'withdrawal_start_age_fixed', type: 'age', label: '按年岁：由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] },
-    { id: 'withdrawal_period_fixed', key: 'withdrawal_period_fixed', type: 'select', label: '按年岁：提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] }
-  ],
-  // 提取模式切换时的清空逻辑，避免脏字段影响提交
-  reset_map: {
-    withdrawal_mode: {
-      '最高固定提取金额': ['annual_withdrawal_amount', 'annual_increase_percentage', 'withdrawal_start_age_specified', 'withdrawal_period_specified'],
-      '指定提取金额': ['withdrawal_start_age_fixed', 'withdrawal_period_fixed']
-    }
-  }
-}
-
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身', // 保险期间
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  /**
-   * 测试计划书-智享未来
-   * @added 2026-02-14T13:10:33.924Z
-   * @source docs/to-parse/测试计划书-智享未来.md
-   */
-  'savings-product-30b41aae': {
-    name: '测试计划书-智享未来',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["整付", "3年", "5年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["年龄指定金额", "最高固定金额"],
-        withdrawal_periods: ["1年", "3年", "5年", "10年"]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-// 基础提交字段映射（适用于人寿/重疾等通用表单）
-const baseSubmitMapping = {
-  customer_name: { api_field: 'customer_name' },
-  gender: { api_field: 'customer_gender' },
-  birthday: { api_field: 'customer_birthday' },
-  smoker: { api_field: 'smoking_status' },
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
-  payment_period: { api_field: 'payment_years' },
-  total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
-}
-
-// 人寿/重疾基础表单 Schema（通用保障类）
-const protectionFormSchema = {
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '保额', placeholder: '请输入保额', input_label: '请输入保额金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ]
-}
-
-// 储蓄类提交字段映射（在基础映射上追加提取计划字段）
-const savingsSubmitMapping = {
-  ...baseSubmitMapping,
-  withdrawal_enabled: { api_field: 'allow_reduce_amount' },
-  withdrawal_mode: { api_field: 'withdrawal_option' },
-  withdrawal_method: { api_field: 'withdrawal_method' },
-  annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
-  annual_increase_percentage: { api_field: 'annual_increase_percentage' },
-  withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_specified: { api_field: 'withdrawal_period' },
-  withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_fixed: { api_field: 'withdrawal_period' }
-}
-
-// 储蓄类表单 Schema（渲染 + 校验 + 联动的唯一入口）
-const savingsFormSchema = {
-  // 基础字段：非提取计划部分
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ],
-  // 提取计划字段：由 withdrawal_plan 开关控制
-  withdrawal_fields: [
-    { id: 'withdrawal_enabled', key: 'withdrawal_enabled', type: 'radio', label: '是否希望生成一份允许减少名义金额的提取说明？', options: ['是', '否'], required: true, default: '否' },
-    { id: 'withdrawal_mode', key: 'withdrawal_mode', type: 'radio', label: '提取选项', options: ['指定提取金额', '最高固定提取金额'], required: true, default: '指定提取金额', section_title: '款项提取（允许减少名义金额）' },
-    { id: 'withdrawal_method', key: 'withdrawal_method', type: 'radio', label: '提取方式', options: ['按年岁'], required: true, default: '按年岁', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_withdrawal_amount', key: 'annual_withdrawal_amount', type: 'amount', label: '每年提取金额', placeholder: '请输入每年提取金额', input_label: '请输入每年提取金额', required: true, currency_from: 'withdrawal_plan.default_currency', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_specified', key: 'withdrawal_start_age_specified', type: 'age', label: '由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_period_specified', key: 'withdrawal_period_specified', type: 'select', label: '提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_increase_percentage', key: 'annual_increase_percentage', type: 'percentage', label: '每年递增提取之百分比（%）', placeholder: '请输入递增百分比', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_fixed', key: 'withdrawal_start_age_fixed', type: 'age', label: '按年岁：由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] },
-    { id: 'withdrawal_period_fixed', key: 'withdrawal_period_fixed', type: 'select', label: '按年岁：提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] }
-  ],
-  // 提取模式切换时的清空逻辑，避免脏字段影响提交
-  reset_map: {
-    withdrawal_mode: {
-      '最高固定提取金额': ['annual_withdrawal_amount', 'annual_increase_percentage', 'withdrawal_start_age_specified', 'withdrawal_period_specified'],
-      '指定提取金额': ['withdrawal_start_age_fixed', 'withdrawal_period_fixed']
-    }
-  }
-}
-
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身', // 保险期间
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-// 基础提交字段映射（适用于人寿/重疾等通用表单）
-const baseSubmitMapping = {
-  customer_name: { api_field: 'customer_name' },
-  gender: { api_field: 'customer_gender' },
-  birthday: { api_field: 'customer_birthday' },
-  smoker: { api_field: 'smoking_status' },
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
-  payment_period: { api_field: 'payment_years' },
-  total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
-}
-
-// 人寿/重疾基础表单 Schema（通用保障类）
-const protectionFormSchema = {
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '保额', placeholder: '请输入保额', input_label: '请输入保额金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ]
-}
-
-// 储蓄类提交字段映射（在基础映射上追加提取计划字段）
-const savingsSubmitMapping = {
-  ...baseSubmitMapping,
-  withdrawal_enabled: { api_field: 'allow_reduce_amount' },
-  withdrawal_mode: { api_field: 'withdrawal_option' },
-  withdrawal_method: { api_field: 'withdrawal_method' },
-  annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
-  annual_increase_percentage: { api_field: 'annual_increase_percentage' },
-  withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_specified: { api_field: 'withdrawal_period' },
-  withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_fixed: { api_field: 'withdrawal_period' }
-}
-
-// 储蓄类表单 Schema（渲染 + 校验 + 联动的唯一入口）
-const savingsFormSchema = {
-  // 基础字段：非提取计划部分
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ],
-  // 提取计划字段：由 withdrawal_plan 开关控制
-  withdrawal_fields: [
-    { id: 'withdrawal_enabled', key: 'withdrawal_enabled', type: 'radio', label: '是否希望生成一份允许减少名义金额的提取说明？', options: ['是', '否'], required: true, default: '否' },
-    { id: 'withdrawal_mode', key: 'withdrawal_mode', type: 'radio', label: '提取选项', options: ['指定提取金额', '最高固定提取金额'], required: true, default: '指定提取金额', section_title: '款项提取（允许减少名义金额）' },
-    { id: 'withdrawal_method', key: 'withdrawal_method', type: 'radio', label: '提取方式', options: ['按年岁'], required: true, default: '按年岁', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_withdrawal_amount', key: 'annual_withdrawal_amount', type: 'amount', label: '每年提取金额', placeholder: '请输入每年提取金额', input_label: '请输入每年提取金额', required: true, currency_from: 'withdrawal_plan.default_currency', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_specified', key: 'withdrawal_start_age_specified', type: 'age', label: '由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_period_specified', key: 'withdrawal_period_specified', type: 'select', label: '提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_increase_percentage', key: 'annual_increase_percentage', type: 'percentage', label: '每年递增提取之百分比（%）', placeholder: '请输入递增百分比', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_fixed', key: 'withdrawal_start_age_fixed', type: 'age', label: '按年岁：由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] },
-    { id: 'withdrawal_period_fixed', key: 'withdrawal_period_fixed', type: 'select', label: '按年岁：提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] }
-  ],
-  // 提取模式切换时的清空逻辑，避免脏字段影响提交
-  reset_map: {
-    withdrawal_mode: {
-      '最高固定提取金额': ['annual_withdrawal_amount', 'annual_increase_percentage', 'withdrawal_start_age_specified', 'withdrawal_period_specified'],
-      '指定提取金额': ['withdrawal_start_age_fixed', 'withdrawal_period_fixed']
-    }
-  }
-}
-
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身', // 保险期间
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-
-}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}

-/**
- * 计划书模版配置
- *
- * @description 定义产品 form_sn 到模版组件和配置的映射关系
- * @module config/plan-templates
- * @author Claude Code
- * @created 2026-02-06
- * @updated 2026-02-13 - 新增文档解析工具入口
- *
- * --- 快速添加新产品（开发工具） ---
- * 开发环境可使用以下工具快速添加新产品配置：
- * 1. 文档解析工具：/admin/document-parser/index (上传 PDF/Word，AI 自动解析)
- * 2. API 配置工具：/admin/document-parser/config (配置 AI 服务)
- *
- * 使用方式：
- * - 上传产品文档 → AI 自动提取配置 → 生成配置代码 → 复制到此文件
- *
- * --- 手动添加步骤 ---
- * 1. 找到对应的产品分类（人寿/重疾/储蓄）
- * 2. 复制现有配置作为模板
- * 3. 修改 name, currency, payment_periods, age_range 等字段
- * 4. 确保 form_sn 唯一（建议使用产品英文标识 + 版本号）
- */
-
-/**
- * 计划书模版配置映射
- * @description form_sn 为产品 API 返回的字段，用于标识该产品使用的计划书模版
- *
- * @example
- * // 产品 API 返回
- * {
- *   id: 1,
- *   product_name: "WIOP3E 盈传创富保障计划 3 - 优选版",
- *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
- * }
- */
-// 基础提交字段映射（适用于人寿/重疾等通用表单）
-const baseSubmitMapping = {
-  customer_name: { api_field: 'customer_name' },
-  gender: { api_field: 'customer_gender' },
-  birthday: { api_field: 'customer_birthday' },
-  smoker: { api_field: 'smoking_status' },
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
-  payment_period: { api_field: 'payment_years' },
-  total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
-}
-
-// 人寿/重疾基础表单 Schema（通用保障类）
-const protectionFormSchema = {
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '保额', placeholder: '请输入保额', input_label: '请输入保额金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ]
-}
-
-// 储蓄类提交字段映射（在基础映射上追加提取计划字段）
-const savingsSubmitMapping = {
-  ...baseSubmitMapping,
-  withdrawal_enabled: { api_field: 'allow_reduce_amount' },
-  withdrawal_mode: { api_field: 'withdrawal_option' },
-  withdrawal_method: { api_field: 'withdrawal_method' },
-  annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
-  annual_increase_percentage: { api_field: 'annual_increase_percentage' },
-  withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_specified: { api_field: 'withdrawal_period' },
-  withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },
-  withdrawal_period_fixed: { api_field: 'withdrawal_period' }
-}
-
-// 储蓄类表单 Schema（渲染 + 校验 + 联动的唯一入口）
-const savingsFormSchema = {
-  // 基础字段：非提取计划部分
-  base_fields: [
-    { id: 'customer_name', key: 'customer_name', type: 'name', label: '申请人', placeholder: '请输入申请人', required: true },
-    { id: 'gender', key: 'gender', type: 'radio', label: '性别', options: ['男', '女'], required: true },
-    { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: true },
-    { id: 'smoker', key: 'smoker', type: 'radio', label: '是否吸烟', options: ['是', '否'], required: true },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
-    { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
-  ],
-  // 提取计划字段：由 withdrawal_plan 开关控制
-  withdrawal_fields: [
-    { id: 'withdrawal_enabled', key: 'withdrawal_enabled', type: 'radio', label: '是否希望生成一份允许减少名义金额的提取说明？', options: ['是', '否'], required: true, default: '否' },
-    { id: 'withdrawal_mode', key: 'withdrawal_mode', type: 'radio', label: '提取选项', options: ['指定提取金额', '最高固定提取金额'], required: true, default: '指定提取金额', section_title: '款项提取（允许减少名义金额）' },
-    { id: 'withdrawal_method', key: 'withdrawal_method', type: 'radio', label: '提取方式', options: ['按年岁'], required: true, default: '按年岁', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_withdrawal_amount', key: 'annual_withdrawal_amount', type: 'amount', label: '每年提取金额', placeholder: '请输入每年提取金额', input_label: '请输入每年提取金额', required: true, currency_from: 'withdrawal_plan.default_currency', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_specified', key: 'withdrawal_start_age_specified', type: 'age', label: '由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_period_specified', key: 'withdrawal_period_specified', type: 'select', label: '提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'annual_increase_percentage', key: 'annual_increase_percentage', type: 'percentage', label: '每年递增提取之百分比（%）', placeholder: '请输入递增百分比', required: true, show_when: [{ field: 'withdrawal_mode', equals: '指定提取金额' }] },
-    { id: 'withdrawal_start_age_fixed', key: 'withdrawal_start_age_fixed', type: 'age', label: '按年岁：由几岁开始', placeholder: '请输入开始提取年龄', required: true, show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] },
-    { id: 'withdrawal_period_fixed', key: 'withdrawal_period_fixed', type: 'select', label: '按年岁：提取期（年）', placeholder: '请选择提取期', required: true, options_from: 'withdrawal_plan.withdrawal_periods', show_when: [{ field: 'withdrawal_mode', equals: '最高固定提取金额' }] }
-  ],
-  // 提取模式切换时的清空逻辑，避免脏字段影响提交
-  reset_map: {
-    withdrawal_mode: {
-      '最高固定提取金额': ['annual_withdrawal_amount', 'annual_increase_percentage', 'withdrawal_start_age_specified', 'withdrawal_period_specified'],
-      '指定提取金额': ['withdrawal_start_age_fixed', 'withdrawal_period_fixed']
-    }
-  }
-}
-
-export const PLAN_TEMPLATES = {
-  // 人寿保险产品 - WIOP3E
-  'life-insurance-wiop3e': {
-    name: 'WIOP3E 盈传创富保障计划 3 - 优选版',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD', // 币种：USD/CNY/HKD/EUR
-      payment_periods: [
-        // 缴费年期选项
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 }, // 年龄范围
-      insurance_period: '终身', // 保险期间
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 人寿保险产品 - WIOP3
-  'life-insurance-wiop3': {
-    name: 'WIOP3 - 盈传创富保障计划 3',
-    component: 'LifeInsuranceTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付（0-75 岁）',
-        '5 年（0-70 岁）',
-        '10 年（0-70 岁）'
-      ],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MPC
-  'critical-illness-mpc': {
-    name: 'MPC 守护无间重疾',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC PRO
-  'critical-illness-mbc-pro': {
-    name: 'MBC PRO 活跃人生重疾保 PRO',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // 重疾保险产品 - MBC2
-  'critical-illness-mbc2': {
-    name: 'MBC2 活跃人生重疾保 2',
-    component: 'CriticalIllnessTemplate',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '10 年（15 日 - 65 岁）',
-        '20 年（15 日 - 65 岁）',
-        '25 年（15 日 - 60 岁）'
-      ],
-      age_range: { min: 0, max: 65 },
-      insurance_period: '终身',
-      form_schema: protectionFormSchema,
-      submit_mapping: baseSubmitMapping
-    }
-  },
-
-  // ====== 储蓄型产品（统一逻辑） ======
-
-  // GS - 宏挚传承保障计划
-  'savings-gs': {
-    name: '宏挚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings', // 储蓄型产品
-    config: {
-      currency: 'USD', // 默认美元
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-        '10 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      // 提取计划配置
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'], // 支持的币种
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // GC - 宏挚家传保险计划
-  'savings-gc': {
-    name: '宏挚家传保险计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '3 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // FA - 宏浚传承保障计划
-  'savings-fa': {
-    name: '宏浚传承保障计划',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '整付',
-        '2 年',
-        '5 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  // LV2 - 赤霞珠终身寿险计划2（储蓄型终身寿险）
-  'savings-lv2': {
-    name: '赤霞珠终身寿险计划2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: [
-        '5 年',
-        '8 年',
-        '12 年',
-        '15 年',
-      ],
-      age_range: { min: 0, max: 100 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD', // 统一为美元
-        withdrawal_modes: ['指定提取金额', '最高固定提取金额'],
-        withdrawal_periods: [
-          '1年',
-          '2年',
-          '3年',
-          '5年',
-          '10年',
-          '15年',
-          '20年',
-          '终身'
-        ]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  },
-
-  /**
-   * 测试计划书-智享未来2
-   * @added 2026-02-14T14:12:31.658Z
-   * @source docs/to-parse/测试计划书-智享未来2.md
-   */
-  'savings-2-148b3acd': {
-    name: '测试计划书-智享未来2',
-    component: 'SavingsTemplate',
-    category: 'savings',
-    config: {
-      currency: 'USD',
-      payment_periods: ["整付","3年","5年"],
-      age_range: { min: 0, max: 75 },
-      insurance_period: '终身',
-      withdrawal_plan: {
-        enabled: true,
-        currencies: ['HKD', 'USD', 'CNY'],
-        default_currency: 'USD',
-        withdrawal_modes: ["年龄指定金额","最高固定金额"],
-        withdrawal_periods: ["1年","3年","5年","10年"]
-      },
-      form_schema: savingsFormSchema,
-      submit_mapping: savingsSubmitMapping
-    }
-  }}
-
-/**
- * 全局功能开关
- * @description 用于控制实验性功能或未来扩展功能的开关
- *
- * @example 开启多币种功能：设置 MULTI_CURRENCY_ENABLED = true
- */
-export const FEATURE_FLAGS = {
-  /**
-   * 多币种切换功能
-   * @description false: 方案 1 - 固定币种（当前实现）
-   *              true: 方案 2 - 支持多币种切换（未来扩展）
-   * @type {boolean}
-   */
-  MULTI_CURRENCY_ENABLED: false
-}
-
-/**
- * 币种符号映射
- * @description 币种代码到符号的映射关系
- */
-export const CURRENCY_SYMBOLS = {
-  CNY: '¥', // 人民币
-  USD: '$', // 美元
-  HKD: 'HK$', // 港币
-  EUR: '€' // 欧元
-}
-
-/**
- * 币种完整信息映射
- * @description 币种代码到完整信息的映射（用于多币种模式）
- */
-export const CURRENCY_MAP = {
-  CNY: { label: '人民币', symbol: '¥', value: 'CNY' },
-  USD: { label: '美元', symbol: '$', value: 'USD' },
-  HKD: { label: '港币', symbol: 'HK$', value: 'HKD' },
-  EUR: { label: '欧元', symbol: '€', value: 'EUR' }
-}
-
-/**
- * 根据 form_sn 获取模版配置
- * @param {string} formSn - 产品 API 返回的 form_sn 字段
- * @returns {Object|null} 模版配置对象，未找到返回 null
- *
- * @example
- * const config = getTemplateConfig('life-insurance-wiop3e')
- * // 返回: { name: 'WIOP3E...', component: 'LifeInsuranceTemplate', config: {...} }
- */
-export function getTemplateConfig(formSn) {
-  if (!formSn) {
-    console.warn('[plan-templates] form_sn 为空')
-    return null
-  }
-
-  const config = PLAN_TEMPLATES[formSn]
-  if (!config) {
-    console.error(`[plan-templates] 未找到模版配置: ${formSn}`)
-    return null
-  }
-
-  return config
-}
-
-/**
- * 获取币种符号
- * @param {string} currencyCode - 币种代码（CNY/USD/HKD/EUR）
- * @returns {string} 币种符号
- *
- * @example
- * const symbol = getCurrencySymbol('USD') // 返回: '$'
- */
-export function getCurrencySymbol(currencyCode) {
-  return CURRENCY_SYMBOLS[currencyCode] || '¥'
-}