Apply 200k scope when CTP offline; trailing breakeven order UX.

When SimNow or live CTP is disconnected, default to the four-product whitelist regardless of reference capital. Trailing breakeven defaults off; when enabled hide take-profit and risk-reward, monitor exits via trailing stop only. Document both behaviors in TRADING.md and FEATURES.md.

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

recommend_store.py

@@ -14,7 +14,11 @@ from typing import Callable, Optional
 
 from contract_specs import get_contract_spec
 from fee_specs import ensure_fee_rates_schema
-from product_recommend import _attach_turnover, list_product_recommendations
+from product_recommend import (
+    _attach_turnover,
+    filter_rows_for_account_scope,
+    list_product_recommendations,
+)
 from recommend_trend import sort_recommend_by_trend
 from symbols import product_category
 
@@ -104,6 +108,15 @@ def recommend_cache_needs_refresh(
     return False
 
 
+def _ctp_connected_for_mode(trading_mode: str) -> bool:
+    try:
+        from vnpy_bridge import ctp_status
+
+        return bool(ctp_status(trading_mode).get("connected"))
+    except Exception:
+        return False
+
+
 def enrich_recommend_rows(
     rows: list[dict],
     capital: float,
@@ -213,8 +226,13 @@ def refresh_recommend_cache(
     """后台拉行情、筛选并写入数据库。"""
     ensure_recommend_tables(conn)
     ensure_fee_rates_schema(conn)
+    ctp_connected = _ctp_connected_for_mode(trading_mode)
     all_rows = list_product_recommendations(
-        capital, quote_fn, max_margin_pct=max_margin_pct, trading_mode=trading_mode,
+        capital,
+        quote_fn,
+        max_margin_pct=max_margin_pct,
+        trading_mode=trading_mode,
+        ctp_connected=ctp_connected,
     )
     rows = filter_affordable_recommendations(all_rows)
     if not rows and float(capital or 0) > 0:
@@ -289,6 +307,9 @@ def recommend_payload(
     rows = enrich_recommend_rows(
         rows, cap, max_margin_pct=pct, trading_mode=trading_mode,
     )
+    rows = filter_rows_for_account_scope(
+        rows, cap, ctp_connected=_ctp_connected_for_mode(trading_mode),
+    )
     rows = filter_recommend_by_sizing(rows, sizing_mode=sizing_mode, fixed_lots=fixed_lots)
     rows = sort_recommend_by_trend(rows)
     payload["rows"] = rows