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综合：多维度财务健康评估

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示例

输入
solve()
期望输出
Financial health assessment:
  USR-0001: save=74.6% adherence=80.0% score=77.3 [B]
  USR-0002: save=81.5% adherence=100.0% score=90.8 [A]
  USR-0003: save=79.8% adherence=75.0% score=77.4 [B]
  USR-0004: save=90.0% adherence=40.0% score=65.0 [B]
  USR-0005: save=92.6% adherence=66.7% score=79.6 [B]
  USR-0006: save=83.6% adherence=75.0% score=79.3 [B]
  USR-0007: save=73.0% adherence=75.0% score=74.0 [B]
  USR-0008: save=71.8% adherence=75.0% score=73.4 [B]
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