feat: 工资查询助手首版 v1.0.105

基于 skill-template 脚手架开发，包含：
- payroll_config（费率配置，可编辑）+ payslip_snapshots（解析历史，只读）2 张业务表
- 全国默认 + 北上广 4 套费率（社保/公积金/个税起征点/7 级税率表）
- 5 个业务 Action：calculate-payslip-simple / calculate-payslip-full / explain-term / view-config / edit-config
- 个税累计预扣法计算，支持多月历史累加
- 20 个薪资名词库（社保/公积金/个税/全勤/加班费等）
- 完整市场文档（README/TUTORIAL/DEMO/CHANGELOG）
- 296 测试全部通过

assets/schemas/skill-policy-snapshot.schema.json

@@ -0,0 +1,196 @@
+{
+  "$schema": "https://json-schema.org/draft/2020-12/schema",
+  "$id": "https://openclaw.local/skill-template/skill-policy-snapshot.schema.json",
+  "title": "SkillDataPolicySnapshot",
+  "description": "匠厂 Skill Data Policy Snapshot（schemaVersion 1）。由技能 policy CLI 输出到 stdout；宿主用于数据管理按钮/行列过滤。详见 references/POLICY.md。",
+  "type": "object",
+  "required": ["schemaVersion", "skill", "actor", "actions"],
+  "additionalProperties": true,
+  "properties": {
+    "schemaVersion": {
+      "type": "integer",
+      "const": 1
+    },
+    "skill": {
+      "type": "string",
+      "pattern": "^[a-z0-9]+(-[a-z0-9]+)*$",
+      "minLength": 1
+    },
+    "actor": {
+      "type": "object",
+      "required": ["userId"],
+      "additionalProperties": true,
+      "properties": {
+        "userId": { "type": "string", "minLength": 1 },
+        "displayName": { "type": "string" },
+        "roles": {
+          "type": "array",
+          "items": { "type": "string", "minLength": 1 }
+        },
+        "attributes": {
+          "type": "object",
+          "additionalProperties": {
+            "type": ["string", "number", "boolean", "null"]
+          }
+        }
+      }
+    },
+    "actions": {
+      "type": "object",
+      "required": ["mode"],
+      "additionalProperties": false,
+      "properties": {
+        "mode": {
+          "type": "string",
+          "enum": ["allowlist", "open"],
+          "description": "v1 仅允许 allowlist/open；denylist 非法。"
+        },
+        "ids": {
+          "type": "array",
+          "items": {
+            "type": "string",
+            "pattern": "^[a-z0-9]+(?:-[a-z0-9]+)*$"
+          },
+          "description": "mode=allowlist 时必填；mode=open 时应省略或 []。"
+        }
+      },
+      "allOf": [
+        {
+          "if": {
+            "properties": { "mode": { "const": "allowlist" } },
+            "required": ["mode"]
+          },
+          "then": {
+            "required": ["ids"]
+          }
+        }
+      ]
+    },
+    "hostCapabilities": {
+      "type": "array",
+      "items": {
+        "type": "string",
+        "enum": ["refresh", "export", "view", "edit", "delete", "import"]
+      },
+      "description": "省略=不限制宿主内置能力；写出则按 allowlist（含 []=全禁）。"
+    },
+    "data": {
+      "type": "object",
+      "additionalProperties": false,
+      "properties": {
+        "tables": {
+          "type": "object",
+          "additionalProperties": { "$ref": "#/$defs/tablePolicy" }
+        }
+      }
+    },
+    "extensions": {
+      "type": "object",
+      "description": "技能私有扩展；宿主必须忽略未知键。"
+    }
+  },
+  "$defs": {
+    "predicate": {
+      "type": "object",
+      "required": ["field", "op"],
+      "additionalProperties": false,
+      "properties": {
+        "field": {
+          "type": "string",
+          "minLength": 1,
+          "pattern": "^[a-z][a-z0-9_]*$"
+        },
+        "op": {
+          "type": "string",
+          "enum": [
+            "eq",
+            "ne",
+            "in",
+            "not_in",
+            "gt",
+            "gte",
+            "lt",
+            "lte",
+            "is_null",
+            "is_not_null"
+          ]
+        },
+        "value": {
+          "description": "与 valueFrom 互斥；in/not_in 时为非空数组。"
+        },
+        "valueFrom": {
+          "type": "string",
+          "const": "actor.userId",
+          "description": "v1 仅允许 actor.userId。"
+        }
+      }
+    },
+    "scope": {
+      "oneOf": [
+        { "$ref": "#/$defs/predicate" },
+        {
+          "type": "object",
+          "required": ["all"],
+          "additionalProperties": false,
+          "properties": {
+            "all": {
+              "type": "array",
+              "minItems": 1,
+              "items": { "$ref": "#/$defs/predicate" }
+            }
+          }
+        },
+        {
+          "type": "object",
+          "required": ["any"],
+          "additionalProperties": false,
+          "properties": {
+            "any": {
+              "type": "array",
+              "minItems": 1,
+              "items": { "$ref": "#/$defs/predicate" }
+            }
+          }
+        }
+      ]
+    },
+    "tablePolicy": {
+      "type": "object",
+      "additionalProperties": false,
+      "properties": {
+        "accessible": { "type": "boolean" },
+        "columns": {
+          "type": "object",
+          "additionalProperties": false,
+          "properties": {
+            "visible": {
+              "type": "array",
+              "items": {
+                "type": "string",
+                "pattern": "^[a-z][a-z0-9_]*$"
+              }
+            },
+            "writable": {
+              "type": "array",
+              "items": {
+                "type": "string",
+                "pattern": "^[a-z][a-z0-9_]*$"
+              }
+            }
+          }
+        },
+        "rows": {
+          "type": "object",
+          "additionalProperties": false,
+          "properties": {
+            "mode": {
+              "type": "string",
+              "enum": ["scope", "open", "delegate"]
+            },
+            "scope": { "$ref": "#/$defs/scope" }
+          }
+        }
+      }
+    }
+  }
+}