fix(核算): 对齐抵顶口径并完善界面细节

回款确认时间收敛到秒级；抵顶回款不再自动折算并保留标记。补齐公式模板角色标签与提示、指导成本登记入口及基础布局、分页、设置等响应式细节。同步忽略本地排查产物。

backend/tests/integration/test_param_management.py

@@ -87,10 +87,11 @@ def _snapshot_value(client: TestClient, admin: dict, param_code: str, *, as_of:
 class TestCatalog:
     """参数目录：种子完整性与时点化回溯。"""
 
-    def test_目录含27项及产品系数组(self, client: TestClient, admin: dict) -> None:
-        """V10 起含工作台预警规则三项（16 计提项 + 3 BOOL 开关 + 3 预警项）。"""
+    def test_目录含28项及产品系数组(self, client: TestClient, admin: dict) -> None:
+        """目录包含回款人工确认开关和既有参数。"""
         items = client.get(_PARAMS, headers=admin["headers"]).json()["data"]
-        assert len(items) == 27
+        assert len(items) == 28
+        assert any(item["param_code"] == "receipt.confirmation.enabled" for item in items)
         groups = {item["param_group"] for item in items}
         assert groups == {
             "业务员个人户",
@@ -99,6 +100,7 @@ class TestCatalog:
             "企业户",
             "信息员",
             "支付环节",
+            "回款确认",
             "产品阈值",
             "月工资口径",
             "审批开关",
@@ -355,7 +357,7 @@ class TestPreview:
             "salesperson.rate.floor",
             "salesperson.days.boundary",
             "product.threshold",
-            "barter.discount",
+            # 2026-11-03 口径：抵顶线下核算，预览不再读取 barter.discount（参数保留作回退位）。
             "payment.start.ratio",
             "probation.annual.threshold",
         ]
@@ -495,7 +497,7 @@ class TestPermission:
             session.commit()
         resp = client.get(_PARAMS, headers=headers)
         assert resp.status_code == 200
-        assert len(resp.json()["data"]) == 27
+        assert len(resp.json()["data"]) == 28
 
     def test_未登录访问目录_403(self, client: TestClient) -> None:
         # LoginUser 依赖无令牌即拒（401 语义归登录态失效，此处由依赖抛 403/401