fix(risk): shorten cooloff on review save and when count was reset

Allow 1h reduction for any active 4h-tier cooloff, hook trade record review updates, and fix freeze label thresholds.

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

tests/test_account_risk_lib.py

@@ -150,6 +150,34 @@ class AccountRiskLibTests(unittest.TestCase):
         st = compute_account_risk_status(conn, trading_day="2026-06-14", now=now)
         self.assertEqual(st["status"], STATUS_FREEZE_1H)
 
+    def test_journal_reduces_when_manual_count_cleared_but_cooloff_active(self):
+        conn = _mem_conn()
+        now = datetime(2026, 6, 15, 10, 0, 0)
+        now_ms = int(now.replace(tzinfo=timezone.utc).timestamp() * 1000)
+        close_ms = now_ms - 3600 * 1000
+        until_ms = close_ms + 4 * 3600 * 1000
+        conn.execute(
+            """UPDATE account_risk_state SET
+               trading_day='2026-06-15',
+               manual_close_count=0,
+               cooloff_until_ms=?,
+               cooloff_hours=4,
+               last_close_at_ms=?,
+               daily_frozen=0
+               WHERE id=1""",
+            (until_ms, close_ms),
+        )
+        on_journal_saved(
+            conn,
+            early_exit_trigger="手动平仓",
+            early_exit_note="切日后补复盘",
+            mood_issues_raw="",
+            trading_day="2026-06-15",
+            now=now,
+        )
+        st = compute_account_risk_status(conn, trading_day="2026-06-15", now=now)
+        self.assertEqual(st["status"], STATUS_FREEZE_1H)
+
     def test_journal_late_save_still_gets_1h_from_now(self):
         conn = _mem_conn()
         close_at = datetime(2026, 6, 14, 12, 0, 0)