Use 100k equity for recommend list when CTP is offline.

When SimNow or live CTP is disconnected, the tradable-products section shows four whitelisted symbols and calculates max lots from a fixed 100,000 capital instead of reference capital in settings.

Co-authored-by: Cursor <cursoragent@cursor.com>

product_recommend.py

@@ -20,6 +20,8 @@ logger = logging.getLogger(__name__)
 
 # 权益不超过该值时，仅允许下列品种（可开仓列表、品种下拉、开仓报单）
 SMALL_ACCOUNT_CAPITAL_MAX = 200_000.0
+# 未连接 CTP 时，可开仓品种表按该权益估算最大手数（与参考资金设置无关）
+DISCONNECTED_RECOMMEND_CAPITAL = 100_000.0
 SMALL_ACCOUNT_PRODUCT_THS = frozenset({"c", "m", "MA", "rb"})
 SMALL_ACCOUNT_SCOPE_LABEL = "玉米、豆粕、甲醇、螺纹钢"
 
@@ -27,8 +29,9 @@ SMALL_ACCOUNT_SCOPE_LABEL = "玉米、豆粕、甲醇、螺纹钢"
 def small_account_scope_hint(*, ctp_connected: bool = True) -> str:
     wan = int(SMALL_ACCOUNT_CAPITAL_MAX // 10_000)
     if not ctp_connected:
+        rec_wan = int(DISCONNECTED_RECOMMEND_CAPITAL // 10_000)
         return (
-            f"未连接 CTP，默认按 {wan} 万以下账户："
+            f"未连接 CTP，按 {rec_wan} 万权益估算最大手数，"
             f"仅显示并可交易 {SMALL_ACCOUNT_SCOPE_LABEL}"
         )
     return f"权益 {wan} 万以下仅显示并可交易：{SMALL_ACCOUNT_SCOPE_LABEL}"