sophhub 0.4.21 → 0.4.22

package/skills/insurance-customer-policy/src/scripts/cloud_insurance_full_test.py

@@ -0,0 +1,785 @@
+#!/usr/bin/env python3
+# -*- coding: utf-8 -*-
+"""保险小老板 4-Skill 云端「一键全覆盖」集成测试。
+
+把你看到的整个文件保存到云端任意路径（例如 /tmp/cloud_insurance_full_test.py），然后执行::
+
+    python3 /tmp/cloud_insurance_full_test.py
+
+或在仓库内::
+
+    python3 /app/skills/insurance-customer-policy/src/scripts/cloud_insurance_full_test.py
+
+特性
+----
+- **自动探测** skills 根目录：``INSURANCE_SKILLS_ROOT`` / ``/app/skills`` / 当前目录下的 ``skills`` 等。
+- **优先使用** 各 skill 的 ``src/scripts/cli.py`` wrapper；若旧镜像没有 wrapper，则自动回退到
+  ``PYTHONPATH=<pkg> python -m insurance_*_cli``。
+- **隔离数据库**：默认把所有 SQLite 写到 ``/tmp/insurance_cloud_test_<pid>/``，不污染业务数据
+  （也可用环境变量 ``INSURANCE_CLOUD_TEST_DIR`` 指定目录）。
+- **覆盖** insurance-customer-policy / insurance-product-analysis /
+  insurance-schedule-renewal / insurance-sales-pipeline 的**全部子命令**，
+  以及 ``dashboard_all.py`` 的 JSON 聚合；可选 ``--smoke`` 只跑快速冒烟。
+- ``-v`` / ``--verbose``：逐步打印每条子进程命令、退出码与 stdout（默认截断）；
+  ``--verbose-json`` 与 ``-v`` 联用时不截断 JSON（输出可能很长）。
+
+环境变量（均可选）
+-----------------
+INSURANCE_SKILLS_ROOT   直接指定 skills 目录（包含四个 insurance-* 子目录）
+INSURANCE_CLOUD_TEST_DIR  测试用的 SQLite 父目录
+INSURANCE_CLOUD_TEST_SMOKE=1  等价于 ``--smoke``
+"""
+from __future__ import annotations
+
+import argparse
+import json
+import os
+import shlex
+import subprocess
+import sys
+import tempfile
+import time
+from dataclasses import dataclass
+from pathlib import Path
+from typing import Any
+
+# 由 main() 设置：详细日志走 stderr，避免与 stdout JSON 混淆
+VERBOSE = False
+VERBOSE_FULL_JSON = False
+VERBOSE_JSON_MAX = 4000
+
+
+def _log_invocation(title: str, cmd: list[str], r: subprocess.CompletedProcess[str]) -> None:
+    if not VERBOSE:
+        return
+    print(f"\n[VERBOSE] === {title} ===", file=sys.stderr)
+    print(f"  $ {' '.join(shlex.quote(str(x)) for x in cmd)}", file=sys.stderr)
+    print(f"  exit_code={r.returncode}", file=sys.stderr)
+    out = (r.stdout or "").strip()
+    if out:
+        if VERBOSE_FULL_JSON or len(out) <= VERBOSE_JSON_MAX:
+            print(f"  stdout:\n{out}", file=sys.stderr)
+        else:
+            print(f"  stdout (truncated {VERBOSE_JSON_MAX} chars):\n{out[:VERBOSE_JSON_MAX]}…", file=sys.stderr)
+    err = (r.stderr or "").strip()
+    if err:
+        print(f"  stderr:\n{err[:4000]}", file=sys.stderr)
+
+
+# ---------------------------------------------------------------------------
+# 路径探测
+# ---------------------------------------------------------------------------
+
+SKILL_FOLDERS = {
+    "customer": "insurance-customer-policy",
+    "product": "insurance-product-analysis",
+    "schedule": "insurance-schedule-renewal",
+    "pipeline": "insurance-sales-pipeline",
+}
+
+MODULES = {
+    "customer": "insurance_customer_cli",
+    "product": "insurance_product_cli",
+    "schedule": "insurance_schedule_cli",
+    "pipeline": "insurance_pipeline_cli",
+}
+
+
+def _has_customer_skill(root: Path) -> bool:
+    d = root / SKILL_FOLDERS["customer"]
+    return d.is_dir() and (
+        (d / "src" / "src" / "insurance_customer_cli" / "__init__.py").is_file()
+        or (d / "src" / "scripts" / "insurance_customer_cli" / "__init__.py").is_file()
+        or (d / "scripts" / "insurance_customer_cli" / "__init__.py").is_file()
+        or (d / "insurance_customer_cli" / "__init__.py").is_file()
+    )
+
+
+def discover_skills_root() -> Path:
+    env = os.environ.get("INSURANCE_SKILLS_ROOT") or os.environ.get("SKILLS_ROOT")
+    if env:
+        p = Path(env).expanduser().resolve()
+        if _has_customer_skill(p):
+            return p
+        raise SystemExit(
+            f"[FAIL] INSURANCE_SKILLS_ROOT={p} 下未找到完整的 insurance-customer-policy 包。"
+        )
+
+    script_here = Path(__file__).resolve().parent
+    candidates = [
+        script_here.parent.parent.parent,  # .../skills（脚本在 repo 标准位置时）
+        Path("/app/skills"),
+        Path.cwd() / "skills",
+        Path.cwd(),
+        Path.home() / "sophclaw-skills" / "skills",
+    ]
+    for c in candidates:
+        try:
+            if c and _has_customer_skill(c.resolve()):
+                return c.resolve()
+        except OSError:
+            continue
+
+    raise SystemExit(
+        "[FAIL] 无法自动定位 skills 根目录。\n"
+        "请确认云端已部署包含四个 insurance-* skill 的目录树，然后设置：\n"
+        "  export INSURANCE_SKILLS_ROOT=/实际路径/skills\n"
+        "常见布局示例：/app/skills/insurance-customer-policy/src/src/insurance_customer_cli/...\n"
+        "若文件不存在，说明镜像未更新：请在 CI/CD 或挂载卷中包含 feat/insurance-4-skills 分支代码。"
+    )
+
+
+def resolve_pkg_parent(skills_root: Path, key: str) -> Path | None:
+    folder = SKILL_FOLDERS[key]
+    pkg = MODULES[key]
+    d = skills_root / folder
+    candidates = [
+        d / "src" / "scripts",
+        d / "src" / "src",
+        d / "src",
+        d / "scripts",
+        Path("/app/skills") / folder / "src" / "scripts",
+        Path("/app/skills") / folder / "src" / "src",
+        Path("/app/skills") / folder / "src",
+        Path("/app/skills") / folder / "scripts",
+        d,
+    ]
+    for c in candidates:
+        try:
+            if (c / pkg / "__init__.py").is_file():
+                return c
+        except OSError:
+            continue
+    return None
+
+
+def resolve_cli_wrapper(skills_root: Path, key: str) -> Path | None:
+    folder = SKILL_FOLDERS[key]
+    d = skills_root / folder
+    candidates = [
+        d / "src" / "scripts" / "cli.py",
+        d / "scripts" / "cli.py",
+        Path("/app/skills") / folder / "src" / "scripts" / "cli.py",
+    ]
+    for c in candidates:
+        try:
+            if c.is_file():
+                return c
+        except OSError:
+            continue
+    return None
+
+
+def resolve_dashboard_all(skills_root: Path) -> Path | None:
+    folder = SKILL_FOLDERS["customer"]
+    d = skills_root / folder
+    candidates = [
+        d / "src" / "scripts" / "dashboard_all.py",
+        d / "scripts" / "dashboard_all.py",
+        Path("/app/skills") / folder / "src" / "scripts" / "dashboard_all.py",
+        Path("/app/skills") / folder / "scripts" / "dashboard_all.py",
+    ]
+    for c in candidates:
+        try:
+            if c.is_file():
+                return c
+        except OSError:
+            continue
+    return None
+
+
+@dataclass
+class Layout:
+    skills_root: Path
+    customer_pkg: Path
+    product_pkg: Path
+    schedule_pkg: Path
+    pipeline_pkg: Path
+    customer_cli: Path | None
+    product_cli: Path | None
+    schedule_cli: Path | None
+    pipeline_cli: Path | None
+    dashboard_all: Path | None
+
+
+def resolve_layout(skills_root: Path) -> Layout:
+    pkgs = {k: resolve_pkg_parent(skills_root, k) for k in SKILL_FOLDERS}
+    missing = [k for k, p in pkgs.items() if p is None]
+    if missing:
+        raise SystemExit(
+            f"[FAIL] 下列 skill 的包目录解析失败（缺少 insurance_*_cli 包）: {missing}\n"
+            f"skills_root={skills_root}"
+        )
+    return Layout(
+        skills_root=skills_root,
+        customer_pkg=pkgs["customer"],  # type: ignore[arg-type]
+        product_pkg=pkgs["product"],  # type: ignore[arg-type]
+        schedule_pkg=pkgs["schedule"],  # type: ignore[arg-type]
+        pipeline_pkg=pkgs["pipeline"],  # type: ignore[arg-type]
+        customer_cli=resolve_cli_wrapper(skills_root, "customer"),
+        product_cli=resolve_cli_wrapper(skills_root, "product"),
+        schedule_cli=resolve_cli_wrapper(skills_root, "schedule"),
+        pipeline_cli=resolve_cli_wrapper(skills_root, "pipeline"),
+        dashboard_all=resolve_dashboard_all(skills_root),
+    )
+
+
+# ---------------------------------------------------------------------------
+# 子进程调用
+# ---------------------------------------------------------------------------
+
+def _base_env(db_dir: Path) -> dict[str, str]:
+    env = dict(os.environ)
+    env["PYTHONIOENCODING"] = "utf-8"
+    # 去掉 PYTHONPATH，强制走 wrapper 或我们显式注入的路径
+    env.pop("PYTHONPATH", None)
+    # 共享单库模式：四个 skill 共用一个 sqlite 文件。
+    shared = str(db_dir / "insurance.sqlite3")
+    env["INSURANCE_DB_PATH"] = shared
+    # 兼容旧逻辑：显式给各 skill 变量同一个值，避免老代码路径分叉。
+    env["INSURANCE_CUSTOMER_DB_PATH"] = shared
+    env["INSURANCE_PRODUCT_DB_PATH"] = shared
+    env["INSURANCE_SCHEDULE_DB_PATH"] = shared
+    env["INSURANCE_PIPELINE_DB_PATH"] = shared
+    return env
+
+
+def invoke_skill(
+    layout: Layout,
+    key: str,
+    argv: list[str],
+    env: dict[str, str],
+    cwd: Path | None,
+) -> subprocess.CompletedProcess[str]:
+    pkg = {
+        "customer": layout.customer_pkg,
+        "product": layout.product_pkg,
+        "schedule": layout.schedule_pkg,
+        "pipeline": layout.pipeline_pkg,
+    }[key]
+    cli = {
+        "customer": layout.customer_cli,
+        "product": layout.product_cli,
+        "schedule": layout.schedule_cli,
+        "pipeline": layout.pipeline_cli,
+    }[key]
+    mod = MODULES[key]
+
+    if cli is not None and cli.is_file():
+        cmd = [sys.executable, str(cli), *argv]
+        r = subprocess.run(
+            cmd,
+            cwd=str(cwd) if cwd else None,
+            env=env,
+            capture_output=True,
+            text=True,
+            encoding="utf-8",
+            timeout=120,
+        )
+        preview = " ".join(shlex.quote(x) for x in argv)
+        if len(preview) > 280:
+            preview = preview[:280] + "…"
+        _log_invocation(f"{key} ({preview})", cmd, r)
+        return r
+
+    e2 = {**env, "PYTHONPATH": str(pkg)}
+    cmd = [sys.executable, "-m", mod, *argv]
+    r = subprocess.run(
+        cmd,
+        cwd=str(cwd) if cwd else None,
+        env=e2,
+        capture_output=True,
+        text=True,
+        encoding="utf-8",
+        timeout=120,
+    )
+    preview = " ".join(shlex.quote(x) for x in argv)
+    if len(preview) > 280:
+        preview = preview[:280] + "…"
+    _log_invocation(f"{key} via -m {mod} ({preview})", cmd, r)
+    return r
+
+
+def parse_json_stdout(rc: int, stdout: str, stderr: str, label: str) -> dict[str, Any]:
+    out = (stdout or "").strip()
+    if not out:
+        raise AssertionError(f"{label}: 无 stdout，rc={rc}\nSTDERR:\n{stderr}")
+    try:
+        return json.loads(out)
+    except json.JSONDecodeError as e:
+        raise AssertionError(f"{label}: JSON 解析失败 {e}\nSTDOUT:\n{out[:2000]}\nSTDERR:\n{stderr}") from e
+
+
+def must_ok(d: dict[str, Any], label: str) -> None:
+    if not d.get("ok"):
+        raise AssertionError(f"{label}: 期望 ok=true，实际={json.dumps(d, ensure_ascii=False)[:1200]}")
+
+
+def run_customer(layout: Layout, env: dict[str, str], cwd: Path, args: list[str]) -> dict[str, Any]:
+    r = invoke_skill(layout, "customer", args, env, cwd)
+    if r.returncode not in (0, 1):
+        raise AssertionError(
+            f"customer {' '.join(args)} rc={r.returncode}\nSTDOUT:\n{r.stdout}\nSTDERR:\n{r.stderr}"
+        )
+    return parse_json_stdout(r.returncode, r.stdout, r.stderr, f"customer {' '.join(args)}")
+
+
+def run_product(layout: Layout, env: dict[str, str], cwd: Path, args: list[str]) -> dict[str, Any]:
+    r = invoke_skill(layout, "product", args, env, cwd)
+    if r.returncode not in (0, 1):
+        raise AssertionError(
+            f"product {' '.join(args)} rc={r.returncode}\nSTDOUT:\n{r.stdout}\nSTDERR:\n{r.stderr}"
+        )
+    return parse_json_stdout(r.returncode, r.stdout, r.stderr, f"product {' '.join(args)}")
+
+
+def run_schedule(layout: Layout, env: dict[str, str], cwd: Path, args: list[str]) -> dict[str, Any]:
+    r = invoke_skill(layout, "schedule", args, env, cwd)
+    if r.returncode not in (0, 1):
+        raise AssertionError(
+            f"schedule {' '.join(args)} rc={r.returncode}\nSTDOUT:\n{r.stdout}\nSTDERR:\n{r.stderr}"
+        )
+    return parse_json_stdout(r.returncode, r.stdout, r.stderr, f"schedule {' '.join(args)}")
+
+
+def run_pipeline(layout: Layout, env: dict[str, str], cwd: Path, args: list[str]) -> dict[str, Any]:
+    r = invoke_skill(layout, "pipeline", args, env, cwd)
+    if r.returncode not in (0, 1):
+        raise AssertionError(
+            f"pipeline {' '.join(args)} rc={r.returncode}\nSTDOUT:\n{r.stdout}\nSTDERR:\n{r.stderr}"
+        )
+    return parse_json_stdout(r.returncode, r.stdout, r.stderr, f"pipeline {' '.join(args)}")
+
+
+# ---------------------------------------------------------------------------
+# 测试主体
+# ---------------------------------------------------------------------------
+
+def test_full(layout: Layout, db_dir: Path, smoke: bool) -> None:
+    cwd = Path(tempfile.gettempdir()) / "insurance_cli_cwd_probe"
+    cwd.mkdir(parents=True, exist_ok=True)
+
+    env = _base_env(db_dir)
+
+    ts = time.strftime("%Y%m%d%H%M%S", time.localtime())
+    cid_main = f"C_MAIN_{ts}"
+    cid_aux = f"C_AUX_{ts}"
+    cid_del = f"C_DEL_{ts}"
+
+    print(f"\n=== [1/5] insurance-customer-policy ===")
+
+    d = run_customer(layout, env, cwd, [
+        "customer-add", "--customer-id", cid_main, "--name", "云端主客户", "--phone", "13900000001",
+        "--age", "38", "--gender", "女", "--income", "500000",
+        "--household", '{"spouse":true,"children":1}',
+        "--occupation", "工程师", "--birthday", "1988-05-09",
+        "--tags", '["高净值"]', "--fields", "{}",
+    ])
+    must_ok(d, "customer-add main")
+
+    d = run_customer(layout, env, cwd, [
+        "customer-add", "--customer-id", cid_aux, "--name", "云端辅客户", "--phone", "13900000002",
+        "--age", "30", "--income", "120000", "--birthday", "1996-03-15",
+    ])
+    must_ok(d, "customer-add aux")
+
+    d = run_customer(layout, env, cwd, [
+        "customer-add", "--customer-id", cid_del, "--name", "待删除客户", "--phone", "13900000003",
+    ])
+    must_ok(d, "customer-add del")
+
+    d = run_customer(layout, env, cwd, ["customer-query", "--keyword", "云端"])
+    must_ok(d, "customer-query keyword")
+    assert d.get("count", 0) >= 2, d
+
+    d = run_customer(layout, env, cwd, ["customer-query", "--customer-id", cid_main])
+    must_ok(d, "customer-query id")
+    assert d["customers"][0]["name"] == "云端主客户", d
+
+    d = run_customer(layout, env, cwd, [
+        "customer-update", "--customer-id", cid_main,
+        "--set", '{"occupation":"架构师","income":520000}',
+    ])
+    must_ok(d, "customer-update")
+
+    d = run_customer(layout, env, cwd, [
+        "policy-add", "--customer-id", cid_main, "--company", "平安健康", "--product", "百万医疗2024",
+        "--type", "医疗险", "--coverage", "4000000", "--premium", "800",
+        "--effective-date", "2026-01-01", "--pay-period", "1年",
+        "--insured", "本人", "--beneficiary", "法定",
+    ])
+    must_ok(d, "policy-add")
+    pid = d.get("id") or d.get("policy_id")
+    assert pid, d
+
+    if not smoke:
+        d = run_customer(layout, env, cwd, [
+            "policy-add", "--customer-id", cid_main, "--company", "国寿", "--product", "康宁重疾",
+            "--type", "重疾险", "--coverage", "300000", "--premium", "9000",
+            "--effective-date", "2025-06-01", "--expire-date", "2045-06-01",
+            "--next-pay-date", "2026-06-01",
+        ])
+        must_ok(d, "policy-add explicit dates")
+
+    d = run_customer(layout, env, cwd, ["policy-query", "--customer-id", cid_main])
+    must_ok(d, "policy-query")
+    assert d.get("count", 0) >= 1, d
+
+    d = run_customer(layout, env, cwd, ["policy-query", "--policy-id", pid])
+    must_ok(d, "policy-query by policy-id")
+
+    d = run_customer(layout, env, cwd, ["policy-query", "--product-type", "医疗险"])
+    must_ok(d, "policy-query by type")
+
+    d = run_customer(layout, env, cwd, ["policy-count-by-customer", "--customer-id", cid_main])
+    must_ok(d, "policy-count-by-customer")
+
+    d = run_customer(layout, env, cwd, [
+        "policy-update", "--policy-id", pid, "--set", '{"notes":"测试备注更新"}',
+    ])
+    must_ok(d, "policy-update")
+
+    d = run_customer(layout, env, cwd, [
+        "followup-add", "--customer-id", cid_main, "--content", "介绍了重疾险理念",
+        "--next-step", "下周递送计划书", "--next-date", "2026-05-20", "--channel", "微信",
+    ])
+    must_ok(d, "followup-add")
+
+    d = run_customer(layout, env, cwd, ["followup-query", "--customer-id", cid_main])
+    must_ok(d, "followup-query by customer")
+
+    d = run_customer(layout, env, cwd, ["followup-query", "--days", "365"])
+    must_ok(d, "followup-query by days")
+
+    d = run_customer(layout, env, cwd, ["gap-analysis", "--customer-id", cid_main])
+    must_ok(d, "gap-analysis single")
+
+    d = run_customer(layout, env, cwd, ["gap-analysis", "--all"])
+    must_ok(d, "gap-analysis all")
+
+    d = run_customer(layout, env, cwd, ["gap-analysis", "--all", "--gap-type", "养老险"])
+    must_ok(d, "gap-analysis gap-type")
+
+    d = run_customer(layout, env, cwd, ["customer-segment"])
+    must_ok(d, "customer-segment")
+
+    d = run_customer(layout, env, cwd, ["customer-field-add", "--name", "risk_level", "--type", "text"])
+    must_ok(d, "customer-field-add")
+
+    d = run_customer(layout, env, cwd, ["customer-field-query"])
+    must_ok(d, "customer-field-query")
+
+    d = run_customer(layout, env, cwd, ["customer-exists", "--customer-id", cid_main, "--json"])
+    must_ok(d, "customer-exists")
+    assert d.get("exists") is True, d
+
+    d = run_customer(layout, env, cwd, ["dashboard", "--json"])
+    must_ok(d, "customer dashboard")
+
+    # ------------------------------------------------------------------
+
+    print(f"\n=== [2/5] insurance-product-analysis ===")
+
+    pname_a = f"云测重疾A_{ts}"
+    pname_b = f"云测重疾B_{ts}"
+
+    d = run_product(layout, env, cwd, [
+        "product-add", "--name", pname_a, "--company", "保司A", "--type", "重疾险",
+        "--coverage-range", "10万-50万", "--premium-range", "3000-8000",
+        "--age-range", "0-55岁", "--highlights", "多次赔付|癌症二次",
+    ])
+    must_ok(d, "product-add A")
+
+    d = run_product(layout, env, cwd, [
+        "product-add", "--name", pname_b, "--company", "保司B", "--type", "重疾险",
+        "--coverage-range", "10万-50万", "--premium-range", "2500-9000",
+        "--age-range", "0-60岁", "--highlights", "消费型|价格便宜",
+    ])
+    must_ok(d, "product-add B")
+
+    d = run_product(layout, env, cwd, ["product-query", "--name", pname_a])
+    must_ok(d, "product-query name")
+
+    d = run_product(layout, env, cwd, ["product-query", "--type", "重疾险"])
+    must_ok(d, "product-query type")
+
+    d = run_product(layout, env, cwd, ["product-update", "--name", pname_a, "--set", '{"waiting_period":"90天"}'])
+    must_ok(d, "product-update")
+
+    # product-analyze：冷启动应返回 needs_llm
+    d = run_product(layout, env, cwd, ["product-analyze", "--product", pname_a])
+    assert d.get("error") == "needs_llm", d
+
+    sample_result = json.dumps(
+        {
+            "key_terms": ["保100种重疾"],
+            "selling_points": ["保费低"],
+            "fit_audience": ["30-45岁家庭支柱"],
+            "pitch_script": "这款重疾主打性价比……",
+        },
+        ensure_ascii=False,
+    )
+    d = run_product(layout, env, cwd, ["analysis-write", "--product", pname_a, "--result", sample_result])
+    must_ok(d, "analysis-write")
+
+    d = run_product(layout, env, cwd, ["product-analyze", "--product", pname_a])
+    must_ok(d, "product-analyze cached")
+
+    d = run_product(layout, env, cwd, ["gap-analysis", "--customer-id", cid_main])
+    must_ok(d, "product gap-analysis forward")
+
+    d = run_product(layout, env, cwd, ["customer-match", "--product", pname_a])
+    must_ok(d, "customer-match by product")
+
+    d = run_product(layout, env, cwd, ["customer-match", "--customer-id", cid_aux])
+    must_ok(d, "customer-match by customer")
+
+    d = run_product(layout, env, cwd, ["product-compare", "--product-a", pname_a, "--product-b", pname_b])
+    must_ok(d, "product-compare")
+
+    d = run_product(layout, env, cwd, ["dashboard", "--json"])
+    must_ok(d, "product dashboard")
+
+    # ------------------------------------------------------------------
+
+    print(f"\n=== [3/5] insurance-schedule-renewal ===")
+
+    d = run_schedule(layout, env, cwd, ["renewal-query", "--days", "3650"])
+    must_ok(d, "renewal-query")
+
+    d = run_schedule(layout, env, cwd, ["renewal-remind", "--days", "3650"])
+    must_ok(d, "renewal-remind")
+
+    d = run_schedule(layout, env, cwd, ["renewal-remind", "--days", "3650", "--mark-sent"])
+    must_ok(d, "renewal-remind mark-sent")
+
+    d = run_schedule(layout, env, cwd, ["followup-check", "--days", "30"])
+    must_ok(d, "followup-check")
+
+    d = run_schedule(layout, env, cwd, ["followup-remind", "--days", "30"])
+    must_ok(d, "followup-remind")
+
+    d = run_schedule(layout, env, cwd, ["followup-remind", "--days", "30", "--mark-sent"])
+    must_ok(d, "followup-remind mark-sent")
+
+    d = run_schedule(layout, env, cwd, ["dormant-query", "--days", "60"])
+    must_ok(d, "dormant-query")
+
+    d = run_schedule(layout, env, cwd, ["dormant-wake", "--days", "60"])
+    must_ok(d, "dormant-wake")
+
+    d = run_schedule(layout, env, cwd, ["special-date-query", "--type", "birthday", "--month", "5"])
+    must_ok(d, "special-date-query birthday")
+
+    d = run_schedule(layout, env, cwd, ["special-date-query", "--type", "anniversary", "--month", "6"])
+    must_ok(d, "special-date-query anniversary")
+
+    d = run_schedule(layout, env, cwd, ["daily-summary"])
+    must_ok(d, "daily-summary")
+
+    d = run_schedule(layout, env, cwd, ["dashboard", "--json"])
+    must_ok(d, "schedule dashboard")
+
+    # ------------------------------------------------------------------
+
+    print(f"\n=== [4/5] insurance-sales-pipeline ===")
+
+    d = run_pipeline(layout, env, cwd, [
+        "deal-add", "--customer-id", cid_main, "--product", pname_a, "--product-type", "重疾险",
+        "--stage", "在谈", "--estimated-premium", "8000", "--expected-close-date", "2026-05-30",
+        "--note", "初次接触",
+    ])
+    must_ok(d, "deal-add")
+    deal_win = d["id"]
+
+    d = run_pipeline(layout, env, cwd, [
+        "deal-add", "--customer-id", cid_aux, "--product", pname_b, "--product-type", "重疾险",
+        "--stage", "在谈", "--estimated-premium", "6000",
+    ])
+    must_ok(d, "deal-add aux")
+    deal_lose = d["id"]
+
+    d = run_pipeline(layout, env, cwd, ["deal-query", "--deal-id", deal_win])
+    must_ok(d, "deal-query id")
+
+    d = run_pipeline(layout, env, cwd, ["deal-query", "--customer-id", cid_main])
+    must_ok(d, "deal-query customer")
+
+    d = run_pipeline(layout, env, cwd, ["deal-query", "--stage", "在谈"])
+    must_ok(d, "deal-query stage")
+
+    d = run_pipeline(layout, env, cwd, ["deal-query", "--status", "active"])
+    must_ok(d, "deal-query active")
+
+    d = run_pipeline(layout, env, cwd, [
+        "deal-update", "--deal-id", deal_win, "--set", '{"note":"更新备注"}',
+    ])
+    must_ok(d, "deal-update")
+
+    d = run_pipeline(layout, env, cwd, [
+        "deal-stage", "--deal-id", deal_win, "--to", "方案中", "--note", "已递方案",
+    ])
+    must_ok(d, "deal-stage ->方案中")
+
+    d = run_pipeline(layout, env, cwd, [
+        "deal-stage", "--deal-id", deal_win, "--to", "议价", "--note", "讨论折扣",
+    ])
+    must_ok(d, "deal-stage ->议价")
+
+    d = run_pipeline(layout, env, cwd, [
+        "deal-stage", "--deal-id", deal_win, "--to", "已成交",
+        "--actual-premium", "8800", "--note", "签单成功",
+    ])
+    must_ok(d, "deal-stage ->已成交")
+
+    month = time.strftime("%Y-%m", time.localtime())
+    d = run_pipeline(layout, env, cwd, ["deal-forecast", "--month", month])
+    must_ok(d, "deal-forecast")
+
+    d = run_pipeline(layout, env, cwd, ["target-track", "--month", month, "--target", "100000"])
+    must_ok(d, "target-track write")
+
+    d = run_pipeline(layout, env, cwd, ["target-track", "--month", month])
+    must_ok(d, "target-track read")
+
+    d = run_pipeline(layout, env, cwd, [
+        "deal-lost", "--deal-id", deal_lose, "--reason", "竞品", "--note", "选了别家",
+    ])
+    must_ok(d, "deal-lost")
+
+    d = run_pipeline(layout, env, cwd, ["deal-lost", "--stats", "--month", month])
+    must_ok(d, "deal-lost stats")
+
+    d = run_pipeline(layout, env, cwd, ["dashboard", "--json"])
+    must_ok(d, "pipeline dashboard")
+
+    # ------------------------------------------------------------------
+
+    print(f"\n=== [5/5] dashboard_all + 清理 ===")
+
+    if layout.dashboard_all is None or not layout.dashboard_all.is_file():
+        print("[WARN] 未找到 dashboard_all.py，跳过聚合测试（请更新镜像）。")
+    else:
+        _dacmd = [sys.executable, str(layout.dashboard_all)]
+        r = subprocess.run(
+            _dacmd,
+            cwd=str(cwd),
+            env=env,
+            capture_output=True,
+            text=True,
+            encoding="utf-8",
+            timeout=120,
+        )
+        _log_invocation("dashboard_all (JSON aggregate)", _dacmd, r)
+        assert r.returncode == 0, f"dashboard_all rc={r.returncode}\n{r.stderr}\n{r.stdout[:800]}"
+        agg = json.loads(r.stdout)
+        must_ok(agg, "dashboard_all")
+        assert "overview" in agg and "skills" in agg, agg
+        # 兼容两种聚合结构：
+        # 1) 旧版：skills 为各子 skill dashboard 结果（每项含 ok）
+        # 2) 新版共享库：skills={"source":"shared-db"}
+        skills_obj = agg.get("skills") or {}
+        if isinstance(skills_obj, dict):
+            has_subskill_payload = any(isinstance(v, dict) for v in skills_obj.values())
+            if has_subskill_payload:
+                for sk, sub in skills_obj.items():
+                    if isinstance(sub, dict):
+                        assert sub.get("ok"), f"sub skill {sk} failed: {sub}"
+
+        _mdcmd = [sys.executable, str(layout.dashboard_all), "--md"]
+        r = subprocess.run(
+            _mdcmd,
+            cwd=str(cwd),
+            env=env,
+            capture_output=True,
+            text=True,
+            encoding="utf-8",
+            timeout=120,
+        )
+        _log_invocation("dashboard_all --md", _mdcmd, r)
+        assert r.returncode == 0, r.stderr
+        assert "经营概览" in r.stdout, r.stdout[:500]
+
+    # 清理：删产品、删保单、删客户
+    d = run_product(layout, env, cwd, ["product-delete", "--name", pname_a, "--yes"])
+    must_ok(d, "product-delete A")
+
+    d = run_product(layout, env, cwd, ["product-delete", "--name", pname_b, "--yes"])
+    must_ok(d, "product-delete B")
+
+    # 查询主客户所有保单并软删
+    pq = run_customer(layout, env, cwd, ["policy-query", "--customer-id", cid_main])
+    must_ok(pq, "policy-query for cleanup")
+    for pol in pq.get("policies", []):
+        pid_c = pol.get("id") or pol.get("policy_id")
+        if pid_c:
+            run_customer(layout, env, cwd, ["policy-delete", "--policy-id", pid_c, "--yes"])
+
+    run_pipeline(layout, env, cwd, ["deal-delete", "--deal-id", deal_win, "--yes"])
+    # deal_lose 已是流失状态，也可删除
+    dq = run_pipeline(layout, env, cwd, ["deal-query", "--customer-id", cid_aux])
+    if dq.get("deals"):
+        run_pipeline(layout, env, cwd, ["deal-delete", "--deal-id", dq["deals"][0]["id"], "--yes"])
+
+    run_customer(layout, env, cwd, ["customer-delete", "--customer-id", cid_main, "--yes"])
+    run_customer(layout, env, cwd, ["customer-delete", "--customer-id", cid_aux, "--yes"])
+    run_customer(layout, env, cwd, ["customer-delete", "--customer-id", cid_del, "--yes"])
+
+    print("\n>>> 全部测试通过 <<<")
+    print(
+        "说明：若未加 -v，上述仅显示阶段标题；断言全部通过即视为成功。"
+        "验证退出码请执行:  echo $?   （应为 0）",
+        file=sys.stderr,
+    )
+
+
+def main() -> int:
+    global VERBOSE, VERBOSE_FULL_JSON
+    parser = argparse.ArgumentParser(description="保险 4-skill 云端全覆盖测试")
+    parser.add_argument("--smoke", action="store_true", help="跳过部分冗长用例")
+    parser.add_argument("-v", "--verbose", action="store_true", help=" stderr 打印每条 CLI 调用与输出摘要")
+    parser.add_argument(
+        "--verbose-json",
+        action="store_true",
+        help="与 -v 合用：stdout 不截断（JSON 可能很长）",
+    )
+    args = parser.parse_args()
+    smoke = args.smoke or os.environ.get("INSURANCE_CLOUD_TEST_SMOKE") == "1"
+    VERBOSE = bool(args.verbose)
+    VERBOSE_FULL_JSON = bool(args.verbose_json)
+
+    try:
+        sys.stdout.reconfigure(encoding="utf-8")
+        sys.stderr.reconfigure(encoding="utf-8")
+    except (AttributeError, OSError):
+        pass
+
+    skills_root = discover_skills_root()
+    layout = resolve_layout(skills_root)
+
+    db_base = os.environ.get("INSURANCE_CLOUD_TEST_DIR")
+    if db_base:
+        db_dir = Path(db_base).expanduser().resolve()
+        db_dir.mkdir(parents=True, exist_ok=True)
+    else:
+        db_dir = Path(tempfile.mkdtemp(prefix=f"insurance_cloud_test_{os.getpid()}_"))
+
+    print("------ 保险 Skill 云端全覆盖自检 ------")
+    print(f"skills_root     = {layout.skills_root}")
+    print(f"test_db_dir     = {db_dir}")
+    print(f"customer_cli    = {layout.customer_cli or '(fallback: python -m)'}")
+    print(f"dashboard_all   = {layout.dashboard_all or '(missing)'}")
+    print(f"smoke_mode      = {smoke}")
+    print(f"verbose         = {VERBOSE}" + (" +full_json" if VERBOSE_FULL_JSON else ""))
+
+    test_full(layout, db_dir, smoke=smoke)
+    print("exit_code=0", file=sys.stderr)
+    return 0
+
+
+if __name__ == "__main__":
+    try:
+        raise SystemExit(main())
+    except AssertionError as e:
+        print(f"\n[ASSERT FAILED] {e}", file=sys.stderr)
+        raise SystemExit(1)