feat: 新增 account 和 plan 目录

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

account/admin/skills/system/skip-profile-question/SKILL.md

@@ -0,0 +1,29 @@
+---
+name: skip-profile-question
+description: Skip profile question when user explicitly refuses to answer. When user says 'I don't want to answer' or 'skip this question', use this tool to stop asking about that item.
+system: true
+handler: profile
+tool-name: skip_profile_question
+category: User Profile
+---
+
+# Skip Profile Question
+
+跳过档案问题（以后不再询问）。
+
+## Parameters
+
+| 参数 | 类型 | 必填 | 说明 |
+|-----|------|-----|------|
+| key | string | 是 | 要跳过的档案项键名 |
+
+## When to Use
+
+- 用户说"不想回答"
+- 用户说"跳过这个问题"
+- 用户表示不愿透露某信息
+
+## Related Skills
+
+- `update-user-profile`: 更新档案
+- `get-user-profile`: 获取档案