fix: 按实际纯币结算金额计算保险费用
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@@ -406,7 +406,7 @@ func calculateCheckoutSettlement(order model.RentalOrder, consumableAmountCent i
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// 可完结时租客实际承担的租金向金额;有 shortfall 时仍展示完整应付便于协商
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actualRentAmountCent := actualBuyerRentCent
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ownerRentIncomeCent := actualOwnerRentCent
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insuranceFeeCent := calculateInsuranceFeeCent(ownerRentIncomeCent, order.InsuranceFeeBps)
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insuranceFeeCent := calculateInsuranceFeeCent(usedOwnerCoinPriceCent, order.InsuranceFeeBps)
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ownerRentIncomeCent = maxCent(ownerRentIncomeCent-insuranceFeeCent, 0)
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platformFeeCent := maxCent(actualRentAmountCent-ownerRentIncomeCent, 0)
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depositCompensationCent := damageAppliedCent
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