feat: multimodal image clients, workspaces, Tushare skill, test fixes

- Replace monolithic image_message_client with HTTP/OCR/legacy modules; tighten OpenAI transport + tool schemas for multimodal downgrade to OCR specialist path.
- Add image/stock workspace prompts (META/SOUL/ROLE_SYSTEM); register experts; tweak specialist agent/direct loop/query_image_attachment.
- Add bundled runtime/skills/tushare-finance (references, api_client, SKILL metadata).
- Document OCR-related env vars; admin chat tweaks; README; weixin_install Ensure-OfficialPluginRuntimeDeps helper.
- Tests: multimodal downgrade + OCR coverage, strict tool pairing in attachment replay guard, workspace contract skips _internal/_system dirs, router/trace/prompt guards.

Co-authored-by: Cursor <cursoragent@cursor.com>

runtime/skills/tushare-finance/reference/接口文档/广州民间借贷利率.md

@@ -0,0 +1,130 @@
+# 广州民间借贷利率
+
+**文档ID**: 174
+**原始链接**: https://tushare.pro/document/2?doc_id=174
+
+---
+
+## 广州民间借贷利率
+
+接口：gz_index描述：广州民间借贷利率限量：不限量，一次可取全部指标全部历史数据积分：用户需要积攒2000积分可调取，具体请参阅积分获取办法数据来源：广州民间金融街
+
+输入参数
+
+<table>
+<thead>
+<tr>
+<th>名称</th>
+<th>类型</th>
+<th>必选</th>
+<th>描述</th>
+</tr>
+</thead>
+<tbody><tr>
+<td>date</td>
+<td>str</td>
+<td>N</td>
+<td>日期</td>
+</tr>
+<tr>
+<td>start_date</td>
+<td>str</td>
+<td>N</td>
+<td>开始日期</td>
+</tr>
+<tr>
+<td>end_date</td>
+<td>str</td>
+<td>N</td>
+<td>结束日期</td>
+</tr>
+</tbody></table>
+输出参数
+
+<table>
+<thead>
+<tr>
+<th>名称</th>
+<th>类型</th>
+<th>默认显示</th>
+<th>描述</th>
+</tr>
+</thead>
+<tbody><tr>
+<td>date</td>
+<td>str</td>
+<td>Y</td>
+<td>日期</td>
+</tr>
+<tr>
+<td>d10_rate</td>
+<td>float</td>
+<td>Y</td>
+<td>小额贷市场平均利率（十天） （单位：%，下同）</td>
+</tr>
+<tr>
+<td>m1_rate</td>
+<td>float</td>
+<td>Y</td>
+<td>小额贷市场平均利率（一月期）</td>
+</tr>
+<tr>
+<td>m3_rate</td>
+<td>float</td>
+<td>Y</td>
+<td>小额贷市场平均利率（三月期）</td>
+</tr>
+<tr>
+<td>m6_rate</td>
+<td>float</td>
+<td>Y</td>
+<td>小额贷市场平均利率（六月期）</td>
+</tr>
+<tr>
+<td>m12_rate</td>
+<td>float</td>
+<td>Y</td>
+<td>小额贷市场平均利率（一年期）</td>
+</tr>
+<tr>
+<td>long_rate</td>
+<td>float</td>
+<td>Y</td>
+<td>小额贷市场平均利率（长期）</td>
+</tr>
+</tbody></table>
+接口用法
+
+```
+
+pro = ts.pro_api()
+
+df = pro.gz_index(start_date='20180101', end_date='20190401')
+
+```
+
+数据样例
+
+```
+         date  d10_rate  m1_rate  m3_rate  m6_rate  m12_rate  long_rate
+0   20180327     12.00    19.20    19.20    12.77     14.40      12.00
+1   20180404     12.00    19.20    19.20    13.27     14.40      12.00
+2   20180410     12.00    19.20    19.20    13.35     14.40      12.00
+3   20180802     12.00    15.90    15.85    14.35     14.40      15.00
+4   20180822     12.00    19.20    19.20    13.35     14.40      12.00
+5   20180920     13.00    14.41    13.55    12.03      9.78      11.46
+6   20180925     13.00    14.94    13.59    12.24      9.47      11.55
+7   20180926     13.00    14.79    13.60    12.29      9.56      11.42
+8   20180927     13.00    13.74    13.62    12.26      9.57      11.52
+9   20180928     19.00    13.58    13.63    12.41      9.69      11.31
+10  20180929     19.05    13.41    13.66    12.42     10.34      10.83
+11  20180930     19.05    13.23    13.66    12.44     10.31      10.90
+12  20181009     17.41    12.28    13.64    12.58     10.97      11.22
+13  20181015     17.20    11.91    13.63    11.61     11.46      11.50
+14  20181016     16.55    11.56    13.59    11.64     11.45      11.40
+15  20181017     16.55    11.18    13.58    11.63     11.50      11.26
+16  20181018     16.55    11.08    13.59    12.45     11.55      11.21
+17  20181019     16.55    10.95    13.60    12.44     11.31      11.14
+18  20181020     15.71    10.71    13.57    12.44     11.31      11.25
+19  20181021     15.71    10.71    13.52    12.46     11.28      11.10
+```