feat: 定价编辑器人民币化 + 对账差异定位 + 敏感词拒答#13
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- 换算内核注入美元兑人民币汇率：ModelRatio/ModelPrice 两个货币边界 ×/÷ rate， 派生倍率为同币种比值不参与换算；存储倍率与计费完全不变 - 显示按实际精度 + 保底 2 位补 0 + 去往返浮点漂移（formatDisplayPrice） - 汇率优先取页面级 options.USDExchangeRate（随保存刷新），StatusContext 仅兜底， 避免改汇率后同会话不刷新折算错 - PriceInput 聚焦用原始高精度串编辑，失焦不回写圆整值，廉价模型不丢精度 - 顶部提示条说明单位/汇率；表达式/阶梯计费仍按美元，标注口径差异 - 手动模式更名「倍率（高级）」并加美元口径警告条
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本分支包含三块改动：
1. 可视化定价编辑器人民币化（最新）
ModelRatio/ModelPrice×/÷ rate），派生倍率为同币种比值不参与换算options.USDExchangeRate（随保存刷新），避免同会话改汇率不刷新折算错web/classic，后端零改动；经 3 轮 Codex review 收敛2. 对账差异定位重构
3. 敏感词拒答