docs: add initialization flow analysis to policy design doc

- Add §7 initialization flow: /component/person/detail call chain
  from decompiled component-organization source
- Document floorList assembly in ImgPersonServiceImpl (via
  elevatorFeignClient.listByImageId)
- Analyze init vs submit consistency: gap when policy exists

maven-cw-elevator-application/cw-elevator-application-service/src/main/java/cn/cloudwalk/elevator/person/impl/PersonRuleServiceImpl.java

@@ -208,7 +208,7 @@ public class PersonRuleServiceImpl extends AbstractAcsPassService implements Per
                 this.logger.info("UC-01：调用方未指定楼层，取被访人默认楼层为 {}", candidate);
             }
 
-            // === 阶段3：ALWAYS 查询策略，有策略则以策略 allow 替代 ===
+            // === 阶段3：ALWAYS 查询策略，有策略且生效则候选与 allow 求交 ===
             List<String> orgIds = personResult.getOrganizationIds();
             this.logger.info("被访人所属组织 orgIds={}", orgIds);
             TenantVisitorFloorPolicyDto policy = findPolicyByOrgIds(orgIds);
@@ -216,7 +216,14 @@ public class PersonRuleServiceImpl extends AbstractAcsPassService implements Per
             if (policy != null) {
                 List<String> allow = parseAllowZoneIds(policy.getAllowZoneIds());
                 this.logger.info("找到启用策略 policyId={} orgId={} allow={}", policy.getId(), policy.getOrgId(), allow);
-                effective = allow;
+                if (CollectionUtils.isEmpty(allow)) {
+                    this.logger.warn("策略 allow_zone_ids 为空，使用候选楼层原值 {}", candidate);
+                    effective = candidate;
+                } else {
+                    Set<String> allowSet = new HashSet<>(allow);
+                    effective = candidate.stream().filter(c -> allowSet.contains(c)).collect(Collectors.toList());
+                    this.logger.info("候选楼层 vs 策略allow求交：candidate={} allow={} effective={}", candidate, allow, effective);
+                }
             } else {
                 this.logger.info("未找到启用策略，使用候选楼层原值 {}", candidate);
                 effective = candidate;
@@ -224,11 +231,12 @@ public class PersonRuleServiceImpl extends AbstractAcsPassService implements Per
 
             // === 阶段4：空集校验 ===
             if (CollectionUtils.isEmpty(effective)) {
-                this.logger.warn("无可用楼层 businessId={} personId={} visitorId={} callerProvided={} candidate={}",
+                this.logger.warn("求交后无可用楼层 businessId={} personId={} visitorId={} callerProvided={} candidate={}",
                     context.getCompany().getCompanyId(), param.getPersonId(), param.getVisitorId(),
                     Boolean.valueOf(callerProvidedFloors), candidate);
                 return CloudwalkResult.fail("76260531", getMessage("76260531"));
             }
+            this.logger.info("最终生效楼层 effective={}", effective);
             param.setFloorIds(effective);
             ZoneQueryParam zoneQueryParam = new ZoneQueryParam();
             zoneQueryParam.setId(param.getFloorIds().get(0));