feat(plan): 储蓄类计划书表单调整

- 移除吸烟字段（储蓄类产品不需要）
- 切断年龄与出生日期的自动联动，客户要求独立填写
- 更新 savingsSubmitMapping 移除吸烟字段映射

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

@@ -149,7 +149,7 @@
  * 储蓄型保险计划书模板
  *
  * @description GS/GC/FA/LV2 等储蓄型保险产品的计划书录入表单
- *              - 表单字段：性别、出生年月日、是否吸烟、保额、缴费年期
+ *              - 表单字段：性别、出生年月日、年缴保费、缴费年期
  *              - 提取计划：指定提取金额（按年岁/按保单年度）、最高固定提取金额
  * @author Claude Code
  * @example
@@ -592,32 +592,30 @@ watch(
   }
 )
 
-/**
- * 年龄与出生年月日自动计算逻辑
- * - 填年龄 → 推算生日（默认当年1月1日）
- * - 填生日 → 计算年龄
- */
-watch(
-  () => form.age,
-  (newAge) => {
-    if (!isEmptyValue(newAge) && isEmptyValue(form.birthday)) {
-      const currentYear = new Date().getFullYear()
-      const birthYear = currentYear - parseInt(newAge)
-      form.birthday = `${birthYear}-01-01`
-    }
-  }
-)
-
-watch(
-  () => form.birthday,
-  (newBirthday) => {
-    if (!isEmptyValue(newBirthday)) {
-      const birthYear = new Date(newBirthday).getFullYear()
-      const currentYear = new Date().getFullYear()
-      form.age = currentYear - birthYear
-    }
-  }
-)
+// TODO(human): 年龄与出生年月日已取消联动，客户要求二者独立填写
+// 如需恢复联动，可取消以下代码的注释
+//
+// watch(
+//   () => form.age,
+//   (newAge) => {
+//     if (!isEmptyValue(newAge) && isEmptyValue(form.birthday)) {
+//       const currentYear = new Date().getFullYear()
+//       const birthYear = currentYear - parseInt(newAge)
+//       form.birthday = `${birthYear}-01-01`
+//     }
+//   }
+// )
+//
+// watch(
+//   () => form.birthday,
+//   (newBirthday) => {
+//     if (!isEmptyValue(newBirthday)) {
+//       const birthYear = new Date(newBirthday).getFullYear()
+//       const currentYear = new Date().getFullYear()
+//       form.age = currentYear - birthYear
+//     }
+//   }
+// )
 
 /**
  * 提取年期选项（从配置读取）

@@ -61,8 +61,16 @@ const protectionFormSchema = {
 }
 
 // 储蓄类提交字段映射（在基础映射上追加提取计划字段）
+// @updated 2026-02-28 - 移除吸烟字段映射（储蓄类产品不需要）
 const savingsSubmitMapping = {
-  ...baseSubmitMapping,
+  customer_name: { api_field: 'customer_name' },
+  gender: { api_field: 'customer_gender' },
+  age: { api_field: 'customer_age' },
+  birthday: { api_field: 'customer_birthday' },
+  // smoker: { api_field: 'smoking_status' }, // 储蓄类产品不需要吸烟字段
+  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' },
   withdrawal_enabled: { api_field: 'allow_reduce_amount' },
   withdrawal_mode: { api_field: 'withdrawal_option' },
   withdrawal_method: { api_field: 'withdrawal_method' },
@@ -77,6 +85,7 @@ const savingsSubmitMapping = {
 // 储蓄类表单 Schema（渲染 + 校验 + 联动的唯一入口）
 // @updated 2026-02-15 - 迁移到新的条件规则格式，使用 clear_when_hidden 替代 reset_map
 // @updated 2026-02-25 - 年龄与出生年月日二选一填写
+// @updated 2026-02-28 - 移除吸烟字段（储蓄类产品不需要）
 const savingsFormSchema = {
   // 基础字段：非提取计划部分
   base_fields: [
@@ -85,7 +94,6 @@ const savingsFormSchema = {
     // 年龄与出生年月日二选一填写
     { id: 'age', key: 'age', type: 'age', label: '年龄', placeholder: '请输入年龄', input_label: '岁', required: false },
     { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: false },
-    { 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' }
   ],

@@ -31,8 +31,8 @@
 
           <!-- 作者和日期 -->
           <view class="article-meta">
-            <text v-if="article.authorName" class="meta-item">{{ article.authorName }}</text>
-            <text v-if="article.authorName && article.date" class="meta-separator">·</text>
+            <!-- <text v-if="article.authorName" class="meta-item">{{ article.authorName }}</text>
+            <text v-if="article.authorName && article.date" class="meta-separator">·</text> -->
             <text v-if="article.date" class="meta-item">{{ formattedDate }}</text>
           </view>
         </view>