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<!-- 卡片1: 数据主题卡 -->
<div class="card">
  <div class="tag">💰 懒人收息法</div>
  <h1>月投7500港币<br>高息股阶梯买入</h1>
  <div class="big-num"><div class="num">7.5%</div><div class="unit">平均股息率</div></div>
  <div class="ladder">
    <div class="step"><div class="step-n">第1档</div><div class="step-pct">40%</div><div class="step-label">现价买入</div></div>
    <div class="step" style="border:1px solid rgba(240,192,64,0.3)"><div class="step-n">第2档</div><div class="step-pct">30%</div><div class="step-label">小跌加仓</div></div>
    <div class="step"><div class="step-n">第3档</div><div class="step-pct">30%</div><div class="step-label">大跌抄底</div></div>
  </div>
  <div class="divider"></div>
  <div class="section">
    <div class="section-title">📊 收息预估</div>
    <div class="row"><span class="label">年投</span><span class="value">90,000 港币</span></div>
    <div class="row"><span class="label">第二年起年息</span><span class="value-warn">≈ 6,300</span></div>
    <div class="row"><span class="label">第五年累计股息</span><span class="value-warn">≈ 22,000+</span></div>
  </div>
  <div class="footer">⚠️ 个人记录，不构成投资建议 · 股市有风险</div>
</div>

<!-- 卡片2: 持仓清单卡 -->
<div class="card">
  <div class="tag">📋 我的DCA组合</div>
  <h1>7只标的 · 3档阶梯</h1>
  <div style="color:#f0c040;font-size:13px;font-weight:700;margin:16px 0 8px">🇭🇰 港股（防守型）</div>
  <div class="stock-grid">
    <div class="stock-item"><div class="stock-flag">🏦</div><div class="stock-name">某保险龙头</div><div class="stock-yield">5.4%</div><div class="stock-sub">PE<7 破净</div></div>
    <div class="stock-item"><div class="stock-flag">🏛️</div><div class="stock-name">某银行龙头</div><div class="stock-yield">6.9%</div><div class="stock-sub">PE 7 破净</div></div>
  </div>
  <div class="stock-grid" style="margin-top:8px">
    <div class="stock-item"><div class="stock-flag">📡</div><div class="stock-name">某电信央企</div><div class="stock-yield">6.1%</div><div class="stock-sub">破净</div></div>
    <div></div>
  </div>
  <div class="divider"></div>
  <div style="color:#f0c040;font-size:13px;font-weight:700;margin:16px 0 8px">🇺🇸 美股（收息型）</div>
  <div class="stock-grid">
    <div class="stock-item"><div class="stock-flag">🏠</div><div class="stock-name">某mREIT</div><div class="stock-yield">13.2%</div><div class="stock-sub">PE 7.7</div></div>
    <div class="stock-item"><div class="stock-flag">🚀</div><div class="stock-name">某科技BDC</div><div class="stock-yield">10.5%</div><div class="stock-sub">PE 8.5</div></div>
  </div>
  <div class="stock-grid" style="margin-top:8px">
    <div class="stock-item"><div class="stock-flag">💼</div><div class="stock-name">某最大BDC</div><div class="stock-yield">10.2%</div><div class="stock-sub">PE 11.7</div></div>
    <div class="stock-item"><div class="stock-flag">📱</div><div class="stock-name">某电信巨头</div><div class="stock-yield">4.9%</div><div class="stock-sub">PE 7.5</div></div>
  </div>
  <div class="divider"></div>
  <div class="section" style="border-left-color:#00d4aa">
    <div class="section-title" style="color:#00d4aa">🎯 5条纪律</div>
    <div style="font-size:13px;color:#ccc;line-height:2">① 每月固定操作 ② 没到价位不动<br>③ 股息复投 ④ 只选盈利高分红<br>⑤ 港美股各半</div>
  </div>
  <div class="footer">⚠️ 个人记录，不构成投资建议 · 💬 评论区交流</div>
</div>

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