fix(小宝预警): 保证建议不为空并显示更新中

apps/web/lib/xiaobao-risk.ts

@@ -70,6 +70,8 @@ export interface XiaobaoVersionRisk {
   signals: XiaobaoRiskSignals;
   currentSnapshot: XiaobaoRiskSnapshot;
   aiInsight?: XiaobaoRiskInsight;
+  aiInsightUpdating?: boolean;
+  aiInsightSource?: 'current_ai' | 'previous_ai' | 'rule';
   trend: {
     direction: 'up' | 'down' | 'flat' | 'unknown';
     delta: number;