feat: 新增 account 和 plan 目录

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

account/admin/skills/theme-factory/themes/desert-rose.md

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+# Desert Rose
+
+A soft and sophisticated theme with dusty, muted tones perfect for elegant presentations.
+
+## Color Palette
+
+- **Dusty Rose**: `#d4a5a5` - Soft primary color
+- **Clay**: `#b87d6d` - Earthy accent
+- **Sand**: `#e8d5c4` - Warm neutral backgrounds
+- **Deep Burgundy**: `#5d2e46` - Rich dark contrast
+
+## Typography
+
+- **Headers**: FreeSans Bold
+- **Body Text**: FreeSans
+
+## Best Used For
+
+Fashion presentations, beauty brands, wedding planning, interior design, boutique businesses.