字段全量比对最终收口：补齐 confirmed diff 默认值

继续 Workstream C，按“只扫 confirmed diff，不做泛化式补改”的原则收最后一批可实证差异：

- post_list.comment：comment_text 从“说点什么吧...”对齐到 Zibll 的“欢迎您留下宝贵的见解！”。
- payment.order：payment_no_logged_remind 补齐为 Zibll 默认未登录提醒文案。
- payment.withdrawal：pay_rebate_withdraw_text_details 补齐为 Zibll 默认提现协议文案。
- PHP schema 同步补齐 payment_no_logged_remind / pay_rebate_withdraw_text_details 默认值，保持前后端契约一致。

验证：
- php -l 通过：class-aksrt-admin-schema-payment.php
- node --check 通过：post-list/comment.js、payment/order.js、payment/withdrawal.js

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

assets/admin/src/schema/sections/payment/order.js

@@ -10,7 +10,7 @@ export const orderSchema = {
     payment_show_paycount: true,
     payment_no_logged_in: true,
     payment_cookie_day: 15,
-    payment_no_logged_remind: '',
+    payment_no_logged_remind: '您当前未登录！建议登陆后购买，可保存购买订单',
     payment_wait_float_s: true,
     payment_order_max_minutes: 30,
     payment_mark: '付费',
@@ -46,7 +46,7 @@ export const orderSchema = {
         { key: 'payment_show_paycount', label: '显示购买次数', type: 'switch', default: true },
         { key: 'payment_no_logged_in', label: '未登录提示', type: 'switch', default: true },
         { key: 'payment_cookie_day', label: 'Cookie有效期(天)', type: 'number', default: 15, min: 1, max: 31, help: '未登录购买 Cookie 有效时间，1-31 天' },
-        { key: 'payment_no_logged_remind', label: '未登录提醒文案', type: 'textarea', default: '', help: '未登录用户查看付费内容时的提醒文案' },
+        { key: 'payment_no_logged_remind', label: '未登录提醒文案', type: 'textarea', default: '您当前未登录！建议登陆后购买，可保存购买订单', help: '未登录用户查看付费内容时的提醒文案' },
         { key: 'payment_wait_float_s', label: '订单等待浮动', type: 'switch', default: true },
         { key: 'payment_order_max_minutes', label: '订单最大支付时间(分钟)', type: 'number', default: 30, min: 5, max: 1440 },
       ],

assets/admin/src/schema/sections/payment/withdrawal.js

@@ -6,7 +6,7 @@ export const withdrawalSchema = {
   defaults: {
     pay_rebate_withdraw_lowest_money: 50,
     withdraw_service_charge: 0,
-    pay_rebate_withdraw_text_details: '',
+    pay_rebate_withdraw_text_details: '<div>可提现金额达到50元后即可发起提现</div>\n<div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div>\n<div>如有其它疑问，请与客服联系</div>',
   },
   groups: [
     {
@@ -16,7 +16,7 @@ export const withdrawalSchema = {
       fields: [
         { key: 'pay_rebate_withdraw_lowest_money', label: '最低提现金额', type: 'number', default: 50, min: 1, max: 99999 },
         { key: 'withdraw_service_charge', label: '提现手续费(%)', type: 'number', default: 0, min: 0, max: 50 },
-        { key: 'pay_rebate_withdraw_text_details', label: '提现说明', type: 'textarea', default: '' },
+        { key: 'pay_rebate_withdraw_text_details', label: '提现说明', type: 'textarea', default: '<div>可提现金额达到50元后即可发起提现</div>\n<div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div>\n<div>如有其它疑问，请与客服联系</div>' },
       ],
     },
   ],

assets/admin/src/schema/sections/post-list/comment.js

@@ -27,7 +27,7 @@ export const commentSchema = {
     comment_empty_text: '暂无评论，来做第一个评论的人吧~',
     comment_title: '评论',
     comment_submit_text: '提交评论',
-    comment_text: '说点什么吧...',
+    comment_text: '欢迎您留下宝贵的见解！',
   },
   groups: [
     {
@@ -93,7 +93,7 @@ export const commentSchema = {
         { key: 'comment_empty_text', label: '空评论提示', type: 'input', default: '暂无评论，来做第一个评论的人吧~' },
         { key: 'comment_title', label: '评论区标题', type: 'input', default: '评论' },
         { key: 'comment_submit_text', label: '提交按钮文案', type: 'input', default: '提交评论' },
-        { key: 'comment_text', label: '评论框提示', type: 'input', default: '说点什么吧...' },
+        { key: 'comment_text', label: '评论框提示', type: 'input', default: '欢迎您留下宝贵的见解！' },
       ],
     },
   ],

inc/classes/admin/schema/class-aksrt-admin-schema-payment.php

@@ -287,7 +287,7 @@ class AKSRT_Admin_Schema_Payment {
                             ['key' => 'payment_show_paycount', 'label' => '显示购买次数', 'type' => 'switch', 'default' => true],
                             ['key' => 'payment_no_logged_in', 'label' => '未登录提示', 'type' => 'switch', 'default' => true],
                             ['key' => 'payment_cookie_day', 'label' => 'Cookie有效期(天)', 'type' => 'number', 'default' => 15, 'min' => 1, 'max' => 31],
-                            ['key' => 'payment_no_logged_remind', 'label' => '未登录提醒文案', 'type' => 'textarea', 'default' => ''],
+                            ['key' => 'payment_no_logged_remind', 'label' => '未登录提醒文案', 'type' => 'textarea', 'default' => '您当前未登录！建议登陆后购买，可保存购买订单'],
                             ['key' => 'payment_wait_float_s', 'label' => '订单等待浮动', 'type' => 'switch', 'default' => true],
                             ['key' => 'payment_order_max_minutes', 'label' => '订单最大支付时间(分钟)', 'type' => 'number', 'default' => 30, 'min' => 5, 'max' => 1440],
                         ]],
@@ -365,7 +365,9 @@ class AKSRT_Admin_Schema_Payment {
                         ['key' => 'basic', 'title' => '提现设置', 'fields' => [
                             ['key' => 'pay_rebate_withdraw_lowest_money', 'label' => '最低提现金额', 'type' => 'number', 'default' => 50, 'min' => 1, 'max' => 99999],
                             ['key' => 'withdraw_service_charge', 'label' => '提现手续费(%)', 'type' => 'number', 'default' => 0, 'min' => 0, 'max' => 50],
-                            ['key' => 'pay_rebate_withdraw_text_details', 'label' => '提现说明', 'type' => 'textarea', 'default' => ''],
+                            ['key' => 'pay_rebate_withdraw_text_details', 'label' => '提现说明', 'type' => 'textarea', 'default' => '<div>可提现金额达到50元后即可发起提现</div>
+<div>申请提现需后台人工处理，一般2-3小时，请耐心等待</div>
+<div>如有其它疑问，请与客服联系</div>'],
                         ]],
                     ],
                 ],