feat: 新增了周期性交易列表、账户卡片、分类选择器等多个核心组件和页面，并引入了AI服务。

src/pages/Home/Home.tsx

@@ -237,15 +237,30 @@ function Home() {
 
   const { greeting, insight } = getDailyBriefing();
 
-  // Phase 3: Financial Health Score (Mock Logic)
-  // In a real app, this would be complex. Here we use a simple placeholder derived from net worth/assets ratio
+  // Phase 3: Financial Health Score (Enhanced Logic)
   const calculateHealthScore = () => {
-    if (totalAssets === 0) return 60; // Baseline
-    const ratio = (totalAssets - totalLiabilities) / totalAssets;
-    let score = Math.round(ratio * 100);
-    if (score < 40) score = 40;
-    if (score > 98) score = 98;
-    return score;
+    // 1. Solvency Score (70% weight): Net Worth / Total Assets
+    // If no assets, assume baseline 60 if no debt, else lower
+    if (totalAssets === 0) return totalLiabilities > 0 ? 40 : 60;
+
+    const solvencyRatio = (totalAssets - totalLiabilities) / totalAssets; // 1.0 = perfect, 0.0 = bankrupt
+
+    // 2. Streak Bonus (10% weight): Encourages habit
+    const streakBonus = (streakInfo?.currentStreak || 0) > 3 ? 5 : 0;
+
+    // 3. Activity Bonus (20% weight): Scored if todaySpend > 0 or yesterdaySpend > 0 (active user)
+    const activityBonus = (todaySpend > 0 || yesterdaySpend > 0) ? 5 : 0;
+
+    // Weights: Base (might be high) -> normalized
+    // Strategy: Map 0-1 solvency to 40-90 range, then add bonuses
+    // Solvency 1.0 -> 90
+    // Solvency 0.5 -> 65
+    // Solvency 0.0 -> 40
+    let finalScore = 40 + (solvencyRatio * 50);
+
+    finalScore += streakBonus + activityBonus;
+
+    return Math.min(Math.max(Math.round(finalScore), 40), 99);
   };
   const healthScore = calculateHealthScore();