四、等比例缩放的计算规则（核心逻辑）
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When we assign all points (x_i, y_i) into the generic polynomial，这一点在Safew下载中也有详细论述
Other platforms take a strictly analytical approach. Monarch Money has an integrated AI assistant that lets you query deep, multi-year transaction histories using natural language. You can ask it to surface spending patterns, optimize tax strategies, explain ETFs, or project net worth trajectories. Unlike Cleo, Monarch operates entirely as an advisor — it will analyze the data, but it won't autonomously move money or make trades on your behalf.