feat: 新增 account 和 plan 目录

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

account/admin/skills/system/get-skill-reference/SKILL.md

@@ -0,0 +1,24 @@
+---
+name: get-skill-reference
+description: Get skill reference documentation for additional guidance. When you need to get detailed technical docs, find examples, or understand advanced usage.
+system: true
+handler: skills
+tool-name: get_skill_reference
+category: Skills Management
+---
+
+# Get Skill Reference
+
+获取技能的参考文档。
+
+## Parameters
+
+| 参数 | 类型 | 必填 | 说明 |
+|-----|------|-----|------|
+| skill_name | string | 是 | 技能名称 |
+| ref_name | string | 否 | 参考文档名称，默认 REFERENCE.md |
+
+## Related Skills
+
+- `get-skill-info`: 获取主要说明
+- `run-shell`: 执行按技能指令编写的代码