fix(rectification): ask a ready discriminator before dated collect

Family coverage still continues dated collection when nothing can split leftover minutes, but an already-built choice card must not be displaced by spoken finance collect.

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

frontend/tests/rectification-occupation-coverage-exit.test.ts

@@ -248,7 +248,10 @@ test("career evidence alone still does not cover occupation", () => {
     contrastPacket: { candidateSetVersion: "04:47-05:15", vargaDifferences: [], probes: [] },
   });
   assert.equal(plan.methods.find((item) => item.method_id === "occupation")?.status, "uncovered");
-  assert.equal(plan.next_followup?.method_id, "occupation");
+  // 原值: occupation
+  // 新值: d2_finance
+  // 原因: 家人已覆盖且无区分卡时，BUG-546 继续收未用带年份域；职业仍未覆盖，只是还没轮到
+  assert.equal(plan.next_followup?.method_id, "d2_finance");
 });
 
 test("training gate open does not mint yearless existence or quality varga cards", () => {
@@ -256,7 +259,10 @@ test("training gate open does not mint yearless existence or quality varga cards
   assert.equal(plan.methods.find((item) => item.method_id === "occupation")?.status, "uncovered");
   assert.doesNotMatch(plan.next_followup?.semantic_key ?? "", /^varga\.d(24|7|4|5)\./);
   assert.equal(plan.dropped_probes.some((item) => item.reason === "yearless_ungrounded_contrast"), true);
-  assert.equal(plan.next_followup?.method_id, "occupation");
+  // 原值: occupation
+  // 新值: d2_finance
+  // 原因: yearless 存在/质量卡被丢掉后没有可渲染区分卡，BUG-546 先收财务采集
+  assert.equal(plan.next_followup?.method_id, "d2_finance");
   assert.equal(plan.next_followup?.intent, "collect_method_evidence");
   assert.equal(plan.next_followup?.choice_frame, null);
 });