feat: 新增每日洞察卡片组件，提供消费和预算分析并集成AI洞察功能

src/components/home/DailyInsightCard/DailyInsightCard.tsx

@@ -136,7 +136,7 @@ export const DailyInsightCard: React.FC<DailyInsightCardProps> = ({
     <div className={`daily-insight-card ${aiData ? 'daily-insight-card--ai' : ''}`}>
       <div className="daily-insight__header">
         <Icon icon={aiData ? "solar:magic-stick-3-bold-duotone" : "solar:stars-minimalistic-bold-duotone"} width="20" />
-        <span>{aiData ? 'AI 每日简报' : '每日简报'}</span>
+        <span>{aiData ? 'AI 消费简报' : '消费简报'}</span>
         {aiData?.emoji && <span className="daily-insight__emoji">{aiData.emoji}</span>}
         {isAiLoading && !aiData && <span className="daily-insight__loading-badge">AI 思考中...</span>}
       </div>

src/pages/Home/Home.tsx

@@ -21,6 +21,7 @@ import { HealthScoreModal } from '../../components/home/HealthScoreModal/HealthS
 import { ContributionModal } from '../../components/common/ContributionGraph/ContributionModal';
 import { DailyInsightCard } from '../../components/home/DailyInsightCard/DailyInsightCard'; // Import
 import { getBudgets } from '../../services/budgetService'; // Import
+import { toLocalDateString, isSameDay } from '../../utils/dateUtils';
 import type { Account, Transaction, Category, Ledger, UserSettings } from '../../types';
 
 
@@ -58,6 +59,7 @@ function Home() {
   const [todayTransactions, setTodayTransactions] = useState<Transaction[]>([]);
   const [lastWeekSpend, setLastWeekSpend] = useState(0);
   const [last7DaysSpend, setLast7DaysSpend] = useState<number[]>([]); // New: 最近7天支出
+  const [weekTransactions, setWeekTransactions] = useState<Transaction[]>([]); // New: 最近7天交易详情 (for AI)
 
 
   useEffect(() => {
@@ -69,20 +71,9 @@ function Home() {
       setLoading(true);
       setError(null);
 
-      // Helper for local date string YYYY-MM-DD
-      const toLocalDate = (d: Date) => {
-        const year = d.getFullYear();
-        const month = String(d.getMonth() + 1).padStart(2, '0');
-        const day = String(d.getDate()).padStart(2, '0');
-        return `${year}-${month}-${day}`;
-      };
 
-      // Helper to check if two dates are the same day (using local time)
-      const isSameDay = (d1: Date, d2: Date) => {
-        return d1.getFullYear() === d2.getFullYear() &&
-          d1.getMonth() === d2.getMonth() &&
-          d1.getDate() === d2.getDate();
-      };
+
+      // Helper for local date string YYYY-MM-DD - REMOVED, using imported utils
 
       const today = new Date();
       const yesterday = new Date(today);
@@ -96,8 +87,8 @@ function Home() {
       const rangeEnd = new Date(today);
       rangeEnd.setDate(rangeEnd.getDate() + 1);
 
-      const rangeStartStr = toLocalDate(rangeStart);
-      const rangeEndStr = toLocalDate(rangeEnd);
+      const rangeStartStr = toLocalDateString(rangeStart);
+      const rangeEndStr = toLocalDateString(rangeEnd);
 
       // Parallel fetch optimized: Single request for transaction history
       const [accountsData, recentTxData, categoriesData, ledgersData, settingsData, budgetsData, streakData, rangeTxData] = await Promise.all([
@@ -136,13 +127,17 @@ function Home() {
 
       // Last 7 Days Array (for chart)
       const last7DaysSpendArray = [];
+      const weekTxList: Transaction[] = [];
+
       for (let i = 6; i >= 0; i--) {
         const d = new Date(today);
         d.setDate(d.getDate() - i);
         const dayTx = allRangeTx.filter(t => isSameDay(new Date(t.transactionDate), d));
         last7DaysSpendArray.push(calculateTotalExpense(dayTx));
+        weekTxList.push(...dayTx);
       }
       setLast7DaysSpend(last7DaysSpendArray);
+      setWeekTransactions(weekTxList);
 
       // Monthly Budget Stats
       let mTotal = 0;
@@ -168,20 +163,17 @@ function Home() {
   };
 
   const { maxTransaction, topCategory, top3Categories, todayTransactionCount, avgDailySpend } = useMemo(() => {
-    if (todayTransactions.length === 0) return {
-      maxTransaction: undefined,
-      topCategory: undefined,
-      top3Categories: undefined,
-      todayTransactionCount: 0,
-      avgDailySpend: 0
-    };
+    // Basic stats
+    const todayCount = todayTransactions.length;
 
-    // Max Transaction
+    // Max Transaction (Keep as Today's max for immediate context)
     const maxTx = [...todayTransactions].sort((a, b) => b.amount - a.amount)[0];
 
-    // Category aggregation
+    // Category aggregation - Use Week Transactions for better AI context
+    const sourceTransactions = weekTransactions.length > 0 ? weekTransactions : todayTransactions;
+
     const catMap: Record<number, number> = {};
-    todayTransactions.forEach((t) => {
+    sourceTransactions.forEach((t) => {
       catMap[t.categoryId] = (catMap[t.categoryId] || 0) + t.amount;
     });
 
@@ -210,10 +202,10 @@ function Home() {
       maxTransaction: maxTx,
       topCategory: topCatName ? { name: topCatName, amount: catMap[Number(sortedCatIds[0])] } : undefined,
       top3Categories: top3.length > 0 ? top3 : undefined,
-      todayTransactionCount: todayTransactions.length,
+      todayTransactionCount: todayCount,
       avgDailySpend: avgDaily
     };
-  }, [todayTransactions, categories, monthlyBudgetSpentTotal]);
+  }, [todayTransactions, weekTransactions, categories, monthlyBudgetSpentTotal]);
 
   const handleQuickTransaction = () => {
     navigate('/transactions?action=new');