feat(wrapped): 新增回复速度卡片 #3（秒回置顶关心）

- 新增年度总结卡片 #3：回复速度/置顶关心统计与排行\n- 前端新增 Card03 渲染与交互（含抽奖揭晓/Top 列表）\n- 更新年度总结卡片清单并加入评分单测

tests/test_wrapped_reply_speed.py

@@ -0,0 +1,73 @@
+import unittest
+from pathlib import Path
+import sys
+
+# Ensure "src/" is importable when running tests from repo root.
+ROOT = Path(__file__).resolve().parents[1]
+sys.path.insert(0, str(ROOT / "src"))
+
+
+class TestWrappedReplySpeedScoring(unittest.TestCase):
+    def test_score_prefers_more_chat_when_speed_similar(self):
+        from wechat_decrypt_tool.wrapped.cards.card_03_reply_speed import _ConvAgg, _score_conv
+
+        tau = 30 * 60  # 30min, keep in sync with production default
+
+        # A: 秒回，但聊天很少
+        a = _ConvAgg(
+            username="wxid_a",
+            incoming=3,
+            outgoing=3,
+            replies=3,
+            sum_gap=30,
+            sum_gap_capped=30,
+            min_gap=5,
+            max_gap=15,
+        )
+
+        # B: 稍慢，但聊天明显更多
+        b = _ConvAgg(
+            username="wxid_b",
+            incoming=50,
+            outgoing=50,
+            replies=50,
+            sum_gap=3000,  # avg 60s
+            sum_gap_capped=3000,
+            min_gap=10,
+            max_gap=120,
+        )
+
+        self.assertGreater(_score_conv(agg=b, tau_seconds=tau), _score_conv(agg=a, tau_seconds=tau))
+
+    def test_score_penalizes_extremely_slow_reply(self):
+        from wechat_decrypt_tool.wrapped.cards.card_03_reply_speed import _ConvAgg, _score_conv
+
+        tau = 30 * 60
+
+        fast_few = _ConvAgg(
+            username="wxid_fast",
+            incoming=5,
+            outgoing=5,
+            replies=5,
+            sum_gap=50,  # avg 10s
+            sum_gap_capped=50,
+            min_gap=1,
+            max_gap=20,
+        )
+
+        slow_many = _ConvAgg(
+            username="wxid_slow",
+            incoming=80,
+            outgoing=80,
+            replies=80,
+            sum_gap=80 * 7200,  # avg 2h
+            sum_gap_capped=80 * 7200,
+            min_gap=60,
+            max_gap=100000,
+        )
+
+        self.assertGreater(_score_conv(agg=fast_few, tau_seconds=tau), _score_conv(agg=slow_many, tau_seconds=tau))
+
+
+if __name__ == "__main__":
+    unittest.main()