feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计
- 新增极品专区发布权限、赔付方案与保险结算费率快照
- 优化首页、商品卡和个人中心的优质号主身份展示

frontend/src/layouts/AppLayout.css

@@ -356,6 +356,22 @@
   white-space: nowrap;
 }
 
+.pc-quality-owner-badge {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  height: 20px;
+  padding: 0 7px;
+  border: 1px solid #d8b4fe;
+  border-radius: 999px;
+  background: linear-gradient(135deg, #6d28d9 0%, #9333ea 100%);
+  color: #fff;
+  font-size: 10px;
+  font-weight: 800;
+  line-height: 1;
+  white-space: nowrap;
+}
+
 .pc-realname-badge {
   display: inline-flex;
   align-items: center;

frontend/src/layouts/AppLayout.vue

@@ -231,7 +231,12 @@ async function handleSupportClick() {
                 <span v-else class="pc-avatar-text">{{ session.avatarText }}</span>
               </span>
               <span class="pc-user-name">{{ session.displayName }}</span>
-              <span v-if="siteStore.isDistribution" class="pc-growth-badge is-distribution">
+              <span
+                v-if="session.isQualityOwner && !siteStore.isDistribution"
+                class="pc-quality-owner-badge"
+                >优质号主</span
+              >
+              <span v-else-if="siteStore.isDistribution" class="pc-growth-badge is-distribution">
                 会员专享
               </span>
               <span v-else class="pc-growth-badge" :class="`is-${growthBadgeTone}`">