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

scripts/service/glossary_service.py

@@ -0,0 +1,95 @@
+"""名词解释服务。
+
+从 assets/glossary.json 读取词条，按 key/display/category 查询。
+不做 LLM 生成，纯静态数据查询。
+"""
+
+from __future__ import annotations
+
+import json
+from typing import Any, Optional
+
+from util.constants import SKILL_SLUG
+from util.logging_config import get_skill_logger
+from util.runtime_paths import get_skill_root
+
+log = get_skill_logger()
+
+
+def _load_glossary() -> list[dict[str, Any]]:
+    """从 assets/glossary.json 加载全部词条。"""
+    glossary_path = get_skill_root() / "assets" / "glossary.json"
+    try:
+        with open(glossary_path, "r", encoding="utf-8") as f:
+            data = json.load(f)
+        terms = data.get("terms", []) if isinstance(data, dict) else []
+        return terms if isinstance(terms, list) else []
+    except (FileNotFoundError, json.JSONDecodeError, OSError):
+        return []
+
+
+def explain_term(term: str) -> dict[str, Any]:
+    """查询单个名词解释。
+
+    支持按 key（精确）或 display（包含）匹配。
+    未命中返回结构化空（ok=True, found=False）。
+    """
+    log.info("glossary_explain term=%s", term)
+    terms = _load_glossary()
+    term_lower = (term or "").strip().lower()
+
+    hit: Optional[dict[str, Any]] = None
+    for t in terms:
+        if str(t.get("key", "")).lower() == term_lower:
+            hit = t
+            break
+        if term_lower in str(t.get("display", "")).lower():
+            hit = t
+            break
+
+    if hit is None:
+        return {
+            "ok": True,
+            "skill": SKILL_SLUG,
+            "found": False,
+            "term": term,
+            "explanation": None,
+            "suggestions": [str(t.get("display", "")) for t in terms[:5]],
+        }
+
+    return {
+        "ok": True,
+        "skill": SKILL_SLUG,
+        "found": True,
+        "term": term,
+        "key": hit.get("key"),
+        "display": hit.get("display"),
+        "category": hit.get("category"),
+        "explanation": hit.get("explanation"),
+        "example": hit.get("example"),
+    }
+
+
+def list_terms(category: str | None = None) -> dict[str, Any]:
+    """列出全部或按分类的词条。"""
+    terms = _load_glossary()
+    if category:
+        filtered = [t for t in terms if str(t.get("category", "")).lower() == category.lower()]
+    else:
+        filtered = terms
+    return {
+        "ok": True,
+        "skill": SKILL_SLUG,
+        "count": len(filtered),
+        "categories": sorted({str(t.get("category", "")) for t in terms}),
+        "terms": [
+            {
+                "key": t.get("key"),
+                "display": t.get("display"),
+                "category": t.get("category"),
+                "explanation": t.get("explanation"),
+                "example": t.get("example"),
+            }
+            for t in filtered
+        ],
+    }