fix: 按实际纯币结算金额计算保险费用

frontend/src/features/seller/views/SellerListingCreateView.vue

@@ -772,7 +772,7 @@ function selectDailyLoss(value: string | number) {
 
             <div class="coverage-heading">
               <strong>选择赔付方案</strong>
-              <span>服务费按号主实际到手租金计算，结算时自动扣除</span>
+              <span>保险服务费按实际纯币结算金额计算，额外物品不计入基数</span>
             </div>
             <div class="coverage-option-grid">
               <button
@@ -799,7 +799,7 @@ function selectDailyLoss(value: string | number) {
                     {{ insuranceFeePercent.toFixed(1) }}%
                   </em>
                 </span>
-                <span>额外保障账号市场价值，费率按实际到手租金扣除</span>
+                <span>额外保障账号市场价值，费率按实际纯币结算金额扣除</span>
                 <em v-if="isQualityOwner && form.is_premium" class="coverage-special-rate">
                   已享极品专区专享费率
                 </em>
@@ -815,7 +815,7 @@ function selectDailyLoss(value: string | number) {
               </div>
               <div>
                 <span v-if="form.compensation_plan === 'insurance'">
-                  无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）
+                  无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}% · 纯币计费）
                 </span>
                 <span v-else>普通赔付</span>
                 <strong :class="{ 'is-deduction': form.compensation_plan === 'insurance' }">
@@ -873,7 +873,7 @@ function selectDailyLoss(value: string | number) {
               <strong>¥{{ formatMoney(calculatedConsumablePrice) }}</strong>
             </div>
             <div v-if="form.compensation_plan === 'insurance'">
-              <span>无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）</span>
+              <span>无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}% · 纯币计费）</span>
               <strong class="is-deduction">-¥{{ formatMoney(calculatedInsuranceFee) }}</strong>
             </div>
             <div>