客服 Agent 重构收口：五出口决策链 + 知识库档位隔离 + 前端入参边界（答辩演示版本）

一、客服 Agent 智能增强（正面回应"不智能、动不动就转人工"）
- 决策链由 2 个出口扩到 5 个：E1 澄清 / E2 计算型 / E3 知识直返 / E4 证据约束生成 / E5 分级回退
- 转人工从"默认动作"降为最后一档 E5c，只保留 4 类白名单：
  P0 反诈 / P1 账户与个人数据 / P2 写操作与争议 / 用户明确要求人工
- 46 条金标实测（修复前 → 修复后）：
  转人工率 43.5% → 10.9%；出口准确率 45.7% → 100%；事实正确率 69.6% → 100%
  禁忌违反 1 → 0；档位越权 / 无出处数字 / 误拒 四项零容忍全 0
- 安全不变量 INV-1~INV-5；零容忍规则未删，改的是挂载点
  （输出侧字面黑名单 → 检索层档位隔离 + 判定层合规词表 + 输出守护）

二、知识库：档位单点化与物理隔离
- 新增 app/core/knowledge_tier.py 作为档位规则唯一落点（G-03），
  knowledge_contracts.py 原定义块改为显式再导出（X as X，非副本）
- 档位过滤由 bool 默认值（fail-open）改为 tiers 必填集合（缺参即 TypeError）
- Milvus 侧四集合按 visibility 分区键物理隔离；双 schema 收敛为一套
- 新增 app/core/actor.py：访客三元组与匿名判定的唯一构造/判定点（G-01/G-01b）
- 新增 app/core/fund_fee_rules.py：费率计算纯函数

三、前端入参边界对齐（本轮 W11 新修，4 处"校验宽于存储"）
- message 加 max_length=8000（与浮窗 widget.js 的 maxlength 一致）
- session_id 加 1—64；idempotency_key 上限 128 → 64（对齐列宽 String(64)）
- feedback_type 加 max_length=32（对齐列宽 String(32)）
- 8 条路径参数补 min_length=1 + max_length=64 + 字符集正则
  （{session_id} / {run_id} / {handover_id}）
- 改前超限值会落到 MySQL 才失败（500）；改后一律 422 AGENT_INPUT_INVALID + 字段级定位
- 新增 tests/unit/api/test_frontend_boundaries.py（33 例），含"端点表 ↔ OpenAPI 全量对照"

四、投顾模块整体清除（D4.4 / D4.5）
- 删除投顾相关 controller / schema / model / repository / service 及门户页面
- tools/portal_api_check.py 同步作废 AD003/AD005/AD011/A047 四条用例与 advisor_t 登录
  （端点与账号均已不存在，此前稳定报 3 条假红）

五、验证（提交前实测）
- pytest -q：1856 passed / 2 skipped / 0 failed
- ruff check app tools tests：19（= 基线）；mypy app：2（= 基线）
- 前端接口契约体检 portal_api_check.py：38 项，通过 34，失败 0，跳过 4
- 全链路冒烟 e2e_smoke_test.py --read-only：31/31
- HTTP 全链路探针 http_probe.py：11/11 succeeded
- 跨文档一致性 _consistency.py：GATE PASS
- 真机边界复验 12 条：12/12 符合预期

六、纪律与文档
- 可改文件白名单 A-09（docs/46）与底座会签申请单 A-10（docs/47，组 1—组 4 全部受理）
- 零 DDL：未新增/修改任何表结构，89 张业务表与基线一致
- 证据留痕：docs/evidence/**（含 46 条金标 score、快照、清除与重建记录）
- 未提交（刻意排除，见提交说明）：仓库内 客服agent/ 与 开发文档/ 是 2026-09-16 前的
  过期副本（Todolist 440 行 vs 权威 D2.1 1167 行），权威正本在仓库外；
  _chunks_report.txt 是 tools/build_knowledge_chunks.py 生成的本地产物

docs/evidence/20260918-gate-baseline.json

@@ -0,0 +1,142 @@
+{
+  "artifact": "gate-baseline",
+  "generated_at": "2026-09-18T07:39:31.652Z",
+  "date_local": "2026-09-18",
+  "purpose": "D2.1 A-02 门禁数字基线（G-00 完成后首跑）",
+  "environment": {
+    "interpreter": "D:\\桌面\\金融\\group_fqcd_jr\\.venv\\Scripts\\python.exe",
+    "python": "3.13.5 (packaged by Anaconda, Inc.)",
+    "base_interpreter": "D:\\ANACOUDA\\python.exe (Anaconda base, NOT a venv)",
+    "venv_created": "2026-09-18",
+    "sqlalchemy": "2.0.54",
+    "pymilvus": "2.6.17",
+    "asyncmy": "0.2.14",
+    "dependencies": "requirements.txt 全量安装成功（Successfully installed ~100 packages）",
+    "worker_running": false,
+    "note": "跑门禁前 Worker 未运行（API/Worker 均未起），符合 A-02 要求"
+  },
+  "services": {
+    "mysql": {
+      "port": 3306,
+      "status": "OPEN",
+      "version": "8.0.44",
+      "database": "jr_agent",
+      "user": "jr_app"
+    },
+    "redis": {
+      "port": 6379,
+      "status": "OPEN",
+      "ping": "+PONG"
+    },
+    "milvus": {
+      "port": 19530,
+      "status": "OPEN",
+      "rest_health_9091": "OK",
+      "image": "milvusdb/milvus:v2.5.3",
+      "mode": "standalone (milvus-etcd v3.5.16 + milvus-minio RELEASE.2023-03-20T20-16-18Z)"
+    },
+    "api": {
+      "port": 8000,
+      "status": "CLOSED"
+    }
+  },
+  "gates": {
+    "1_pytest": {
+      "command": "python -m pytest -q -p no:cacheprovider",
+      "result": "8 failed, 1440 passed, 2 skipped, 27 warnings in 63.62s",
+      "exit_code": 1,
+      "failed": [
+        "tests/integration/test_agent_run_acceptance.py::test_customer_service_accept_redacts_sensitive_message_before_persistence",
+        "tests/integration/test_compliance_seed_mysql.py::test_all_seven_negative_words_are_active_and_reviewed",
+        "tests/integration/test_compliance_seed_mysql.py::test_reply_templates_cover_all_six_scenes",
+        "tests/integration/test_compliance_seed_mysql.py::test_negative_rules_are_gated_to_customer_service_only",
+        "tests/integration/test_compliance_seed_mysql.py::test_own_reply_templates_do_not_trip_the_seeded_rules",
+        "tests/integration/test_profile_snapshot_current_invariant_mysql.py::test_profile_rebuild_then_candidate_approval_keeps_current_snapshot_invariant",
+        "tests/integration/test_worker_runtime_mysql.py::test_http_accept_worker_commit_query_and_repeat[False]",
+        "tests/unit/tools/test_rbac_seed_consistency.py::test_permission_ids_are_consistent_between_seed_and_grant_scripts"
+      ]
+    },
+    "2_ruff": {
+      "command": "python -m ruff check app tests tools alembic",
+      "result": "Found 22 errors (11 fixable)",
+      "exit_code": 1,
+      "by_rule": {
+        "E501": 9,
+        "F401": 7,
+        "F541": 2,
+        "I001": 2,
+        "F821": 1,
+        "B905": 1
+      },
+      "by_file": {
+        "app/service/promotion_renderer.py": 9,
+        "app/service/agent/bootstrap.py": 4,
+        "tests/unit/api/test_portal_frontend.py": 2,
+        "tools/probe_memory_state.py": 2,
+        "tests/unit/service/test_promotion_renderer.py": 2,
+        "app/service/agent_persistence_service.py": 1,
+        "app/service/run_query_service.py": 1,
+        "tests/contract/test_financial_nl2sql_agent_contract.py": 1
+      },
+      "notable": "F821 app/service/agent_persistence_service.py:82:42 Undefined name `Any` —— 局部变量注解不参与运行时求值，故不崩溃，但 mypy 同点报错，属真缺陷"
+    },
+    "3_mypy": {
+      "command": "python -m mypy app",
+      "result": "Found 3 errors in 3 files (checked 229 source files)",
+      "exit_code": 1,
+      "errors": [
+        "app/service/agent_persistence_service.py:82: Name \"Any\" is not defined [name-defined]",
+        "app/service/run_query_service.py:79: Argument 1 to \"_recover_financial_result\" has incompatible type [arg-type]",
+        "app/service/promotion_renderer.py:84: Argument 1 to \"_mix_rgb\" has incompatible type [arg-type]"
+      ]
+    },
+    "4_check_authoritative_docs": {
+      "command": "python tools/check_authoritative_docs.py",
+      "result": "checked 50 documents, no number collision",
+      "exit_code": 0
+    },
+    "5_audit_schema": {
+      "command": "python tools/audit_schema.py",
+      "result": "schema audit passed: 89 business tables, no missing or unexpected tables",
+      "exit_code": 0
+    }
+  },
+  "db_state_snapshot": {
+    "total_tables": 90,
+    "business_tables": 89,
+    "non_business_tables": [
+      "alembic_version"
+    ],
+    "agent_negative_word": {
+      "rows": 0,
+      "active": 0,
+      "note": "合规零容忍词种子未跑 —— 4 项 test_compliance_seed_mysql 失败的直接原因"
+    },
+    "agent_reply_template": {
+      "rows": 0,
+      "active": 0,
+      "note": "6 类固定话术未种 —— 同上"
+    },
+    "sys_user": 6,
+    "sys_role": 4,
+    "sys_permission": 60,
+    "agent_run": 50,
+    "domain_event_outbox": 495,
+    "advisor_tables_present": 20,
+    "note": "投顾模块代码已清除，但 advisor_* 20 张表仍在库（遵守 N-5 零 DDL）；表名与文档口径有差异：config_release（非 agent_config_release）、conversation_message（非 agent_message）"
+  },
+  "failure_triage": {
+    "A_compliance_seed_unseeded": [
+      "test_compliance_seed_mysql x4"
+    ],
+    "B_advisor_purge_leftover": [
+      "tests/unit/tools/test_rbac_seed_consistency.py —— tools/check_rbac_seed_consistency.py:50 仍登记已删除的 tools/grant_advisor_role.py，触发 FileNotFoundError"
+    ],
+    "C_needs_investigation": [
+      "test_agent_run_acceptance redact",
+      "test_profile_snapshot_current_invariant",
+      "test_worker_runtime_mysql outbox 多出 memory.extraction_requested 事件"
+    ]
+  },
+  "honesty": "本文件是**修复前基线**，如实记录。8 项失败**未修复**（属基线，不属本次改动）。"
+}