chore(openspec): 归档 advance-pay 变更并同步商险基线 spec
将两个提前缴费 OpenSpec 变更移入 archive,并把新提前缴费分流、实缴登记与退保规则合并进 openspec/specs/insurances/spec.md。
Co-authored-by:
Cursor <cursoragent@cursor.com>
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