feat: 新增 account 和 plan 目录

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

account/admin/skills/theme-factory/themes/arctic-frost.md

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+# Arctic Frost
+
+A cool and crisp winter-inspired theme that conveys clarity, precision, and professionalism.
+
+## Color Palette
+
+- **Ice Blue**: `#d4e4f7` - Light backgrounds and highlights
+- **Steel Blue**: `#4a6fa5` - Primary accent color
+- **Silver**: `#c0c0c0` - Metallic accent elements
+- **Crisp White**: `#fafafa` - Clean backgrounds and text
+
+## Typography
+
+- **Headers**: DejaVu Sans Bold
+- **Body Text**: DejaVu Sans
+
+## Best Used For
+
+Healthcare presentations, technology solutions, winter sports, clean tech, pharmaceutical content.