feat: 新增 DailyInsightCard 组件，用于展示每日消费洞察、预算分析及AI生成简报。

src/components/home/DailyInsightCard/DailyInsightCard.tsx

@@ -90,8 +90,25 @@ export const DailyInsightCard: React.FC<DailyInsightCardProps> = ({
     return () => clearTimeout(timer);
   }, [todaySpend, yesterdaySpend, monthlyBudget, monthlySpent, topCategory, maxTransaction, lastWeekSpend, streakDays, budgetRemaining, daysRemaining, weeklyTotal, avgDailySpend, top3Categories, todayTransactionCount, last7DaysSpend, recentTransactions]);
 
+  // Helper to render text with newlines and bolding
+  const FormattedText = ({ text }: { text: string }) => {
+    return (
+      <>
+        {text.split('\n').map((line, i) => (
+          <span key={i} style={{ display: 'block', marginBottom: line.trim() ? '0.5em' : '0' }}>
+            {line.split(/(\*\*.*?\*\*)/).map((part, j) =>
+              part.startsWith('**') && part.endsWith('**') ?
+                <strong key={j} className="daily-insight__highlight">{part.slice(2, -2)}</strong> :
+                part
+            )}
+          </span>
+        ))}
+      </>
+    );
+  };
+
   const getSpendingInsight = (today: number, yesterday: number) => {
-    if (aiData) return { text: <span>{aiData.spending}</span>, type: 'ai' };
+    if (aiData) return { text: <FormattedText text={aiData.spending} />, type: 'ai' };
 
     if (today === 0) return { text: "今天还没有花钱，保持这种“零消费”状态就是最大的赚钱！", type: 'success' };
 
@@ -110,7 +127,7 @@ export const DailyInsightCard: React.FC<DailyInsightCardProps> = ({
   };
 
   const getBudgetInsight = (spent: number, total: number) => {
-    if (aiData) return { text: <span>{aiData.budget}</span>, type: 'ai' };
+    if (aiData) return { text: <FormattedText text={aiData.budget} />, type: 'ai' };
 
     if (total === 0) return { text: "您还没有设置月度预算，建议去设置一个。", type: 'normal' };