refactor: 优化跨端导航适配与页面文案体验

- 新增微信小程序胶囊区域避让布局逻辑
- 统一首页导航与标题对齐规则
- 更新多处演示提示文案为正式表述
- 调整个人中心账户状态显示
- 优化产品页分享按钮条件渲染

packages/finance/matches/matches.uvue

@@ -8,7 +8,7 @@
 				<view v-else-if="errorMessage.length > 0" class="state-panel"><text class="state-text">{{ errorMessage }}</text><button class="retry-button" @click="loadMatches">重新加载</button></view>
 				<view v-else-if="matches.length == 0" class="state-panel"><text class="state-text">暂无可展示方案，请完善评估资料后重试</text></view>
 				<view v-else>
-					<text class="result-summary">共 {{ matches.length }} 个方案 · {{ isDemo ? '示例数据' : '按您的评估信息匹配' }}</text>
+					<text class="result-summary">共 {{ matches.length }} 个方案 · 了解额度与申请条件</text>
 					<view class="match-card" v-for="item in sortedMatches" :key="item.id" @click="openProduct(item.id)">
 						<view class="bank-row"><view class="bank-logo" :style="'background-color:' + item.color"><text class="bank-initial">{{ item.initials }}</text></view><view class="bank-copy"><text class="bank-name">{{ item.bank }}</text><text class="match-tag">个人信用融资</text></view><text class="match-score">{{ item.score }}%匹配</text></view>
 						<view class="metrics"><view class="metric"><text class="metric-value">{{ item.amount }}<text class="metric-unit"> 万</text></text><text class="metric-label">最高额度</text></view><view class="metric"><text class="metric-value rate-value">{{ item.rate.toFixed(2) }}%</text><text class="metric-label">年化利率（起）</text></view><view class="metric term-metric"><text class="term-value">{{ item.term }}</text><text class="metric-label">贷款期限</text></view></view>
@@ -25,7 +25,7 @@
 <script setup lang="uts">
 	import { usePageLayout } from '@/services/layout.uts'
 	import { FinanceProduct } from '@/packages/finance/services/finance.uts'
-	import { fetchMatches, API_BASE_URL } from '@/packages/finance/services/api.uts'
+	import { fetchMatches } from '@/packages/finance/services/api.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import BottomNav from '@/components/BottomNav.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
@@ -36,7 +36,6 @@
 	const matches = ref<FinanceProduct[]>([])
 	const loading = ref(true)
 	const errorMessage = ref('')
-	const isDemo = API_BASE_URL.length == 0
 	const sortedMatches = computed((): FinanceProduct[] => {
 		const items = matches.value.slice()
 		items.sort((a: FinanceProduct, b: FinanceProduct): number => {