feat(miniprogram): TabBar 重构 + 积分商城页面 (Chunk 5)

TabBar: 首页|健康|预约|资讯|我的 → 首页|上报|咨询|商城|我的

新增页面:
- 商城(mall): 积分余额卡片 + 签到 + 商品网格(分类型筛选/分页)
- 咨询(consultation): 占位页(即将上线)

新增服务:
- services/points.ts: 积分账户/签到/商品列表 API

API: getAccount, dailyCheckin, getCheckinStatus, listProducts

apps/miniprogram/src/pages/consultation/index.scss

@@ -0,0 +1,53 @@
+@import '../../styles/variables.scss';
+
+.consultation-page {
+  min-height: 100vh;
+  background: $bg;
+}
+
+.consultation-header {
+  background: linear-gradient(135deg, $pri 0%, $pri-d 100%);
+  padding: 32px;
+  padding-top: 48px;
+  color: white;
+}
+
+.consultation-header-title {
+  font-size: 36px;
+  font-weight: bold;
+  color: white;
+  display: block;
+  margin-bottom: 8px;
+}
+
+.consultation-header-desc {
+  font-size: 24px;
+  color: rgba(255, 255, 255, 0.8);
+  display: block;
+}
+
+.consultation-placeholder {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 160px 40px;
+}
+
+.consultation-placeholder-icon {
+  font-size: 100px;
+  margin-bottom: 32px;
+}
+
+.consultation-placeholder-text {
+  font-size: 36px;
+  font-weight: bold;
+  color: $tx;
+  margin-bottom: 16px;
+}
+
+.consultation-placeholder-hint {
+  font-size: 26px;
+  color: $tx3;
+  text-align: center;
+}

apps/miniprogram/src/pages/consultation/index.tsx

@@ -0,0 +1,24 @@
+import { View, Text } from '@tarojs/components';
+import Taro, { useDidShow } from '@tarojs/taro';
+import './index.scss';
+
+export default function Consultation() {
+  useDidShow(() => {
+    Taro.setNavigationBarTitle({ title: '在线咨询' });
+  });
+
+  return (
+    <View className='consultation-page'>
+      <View className='consultation-header'>
+        <Text className='consultation-header-title'>在线咨询</Text>
+        <Text className='consultation-header-desc'>随时随地，连接专业医生</Text>
+      </View>
+
+      <View className='consultation-placeholder'>
+        <Text className='consultation-placeholder-icon'>💬</Text>
+        <Text className='consultation-placeholder-text'>即将上线</Text>
+        <Text className='consultation-placeholder-hint'>在线咨询功能正在开发中，敬请期待</Text>
+      </View>
+    </View>
+  );
+}