chore: T-P-1 工作区收敛——并行会话成果与历史未入库文件整理入库

- 入库历史遗漏源码/测试：router_system 9 模块（agent/executors/inference/knowledge/
  memory/planner/skills/trace）、tests 11 个测试文件、config/knowledge 领域知识
- 入库根目录方案文档（v2/v3/可行性×2）、references 文献（arxiv 14-18/cnki_open/
  参考文献清单）、research 论文素材（routerarena/paper/中文文献 PDF）
- 前端构建产物刷新（新 hash）；webapp 误写文档删除
- gitignore 增补：deepseek-harness、research/_refs、.mimosa/.zcode、网关日志/pid、
  临时调试脚本、tests/e2e/node_modules、AI代理功能开发/prefix
- 基线确认：318 passed

config/knowledge/finance.yaml

@@ -0,0 +1,73 @@
+# 金融领域知识规则 + 事实表（理财科普口径，非投资建议）
+domain: finance
+rules:
+  # ---- 投资理财 ----
+  - id: finance-investing
+    priority: 90
+    subdomain: investing
+    patterns: ["理财", "投资", "基金", "股票", "债券", "收益", "定投", "指数", "回撤",
+               "invest", "fund", "stock", "portfolio", "收益率"]
+    template: finance-advice
+
+  - id: finance-saving
+    priority: 78
+    subdomain: saving
+    patterns: ["存款", "储蓄", "定期", "活期", "利息", "存钱", "deposit", "interest"]
+    template: finance-advice
+
+  - id: finance-loan
+    priority: 84
+    subdomain: loan
+    patterns: ["贷款", "房贷", "车贷", "消费贷", "借呗", "花呗", "还款", "月供", "贷款利率",
+               "loan", "mortgage", "lpr", "等额本息", "等额本金"]
+    template: finance-advice
+
+  - id: finance-insurance
+    priority: 82
+    subdomain: insurance
+    patterns: ["保险", "重疾险", "医疗险", "意外险", "寿险", "保费", "理赔", "退保",
+               "insurance", "policy"]
+    template: finance-advice
+
+  - id: finance-credit-card
+    priority: 80
+    subdomain: credit
+    patterns: ["信用卡", "额度", "账单", "分期", "逾期", "征信", "信用", "credit card",
+               "套现", "最低还款"]
+    template: finance-advice
+
+  - id: finance-personal-budget
+    priority: 76
+    subdomain: budgeting
+    patterns: ["记账", "预算", "开销", "省钱", "开支", "家庭财务", "财务规划", "budget"]
+    template: finance-advice
+
+  - id: finance-general
+    priority: 50
+    patterns: ["金融", "钱", "财务", "finance", "money", "经济"]
+    template: finance-advice
+
+facts:
+  - id: finance-risk-warning
+    keywords: ["理财", "投资", "基金", "股票"]
+    statement: "理财投资均存在风险，收益与风险成正比；过往业绩不代表未来表现，切勿用急用钱投资"
+
+  - id: finance-deposit-insurance
+    keywords: ["存款", "储蓄", "银行"]
+    statement: "我国实行存款保险制度，同一存款人在同一家银行的存款本息合计 50 万元以内受国家保障"
+
+  - id: finance-loan-lpr
+    keywords: ["贷款", "房贷", "利率"]
+    statement: "房贷利率通常与 LPR（贷款市场报价利率）挂钩，等额本息月供固定、等额本金逐月递减"
+
+  - id: finance-insurance-buy
+    keywords: ["保险", "重疾险", "医疗险"]
+    statement: "投保遵循先保障后理财原则，优先配置医疗险、重疾险等基础保障；如实告知健康状况，避免理赔纠纷"
+
+  - id: finance-credit-overdue
+    keywords: ["信用卡", "逾期", "征信"]
+    statement: "信用卡逾期会影响个人征信记录，产生违约金与利息；建议设置自动还款避免逾期"
+
+  - id: finance-emergency-fund
+    keywords: ["预算", "记账", "省钱"]
+    statement: "家庭财务建议预留 3-6 个月支出的应急金，再考虑投资；先记账 1-2 个月摸清开支结构再优化"