restructured nav calculation

dividend plan product 红利计划产品 special-purpose profit center 专项利润中心 special buyer premium 专场买家佣金 monthly balance alarm 月度余额告警 real-name mail 实名邮件 douyin sdk 抖音SDK fan-group likes 粉丝群点赞数 sequel ost 续作OST原声 happy 8 draw welfare fund 快乐8开奖福彩公益金 seven-happy lottery buyer 七乐彩购彩者 taiwan-related budget 涉台预算 tax filing season online commemoration 汇算清缴季线上纪念活动 pet marathon charity campaign 宠物马拉松公益宣传活动 hr advising 人力资源顾问服务 kids program online launch 儿童项目线上发布 broadway hit regional match 百老汇热剧区域赛事 disney on ice autumn fraud 迪士尼冰上秋季欺诈 car ac not cold hazardous fraud 空调不冷有害欺诈 car transmission slipping mobile calibration 变速箱打滑上门校准 car transmission slipping official lawsuit 变速箱打滑官方诉讼 makers bypass frp 创客绕过FRP oven not heating independent quick fix 烤箱不加热独立快速修复 toggle bolt delivery center toggle bolt送件中心 toothpick improvised bypassing 牙签临时绕过