diff --git a/clientarea/hgcloud/css/common/common.css b/clientarea/hgcloud/css/common/common.css
index d39384f..1787d00 100644
--- a/clientarea/hgcloud/css/common/common.css
+++ b/clientarea/hgcloud/css/common/common.css
@@ -49,6 +49,9 @@ input::-webkit-inner-spin-button {
   height: 100%;
   background: #fff;
 }
+[v-cloak] {
+  display: none !important;
+}
 .template:first-child {
   display: none;
 }
diff --git a/clientarea/home/hgcloud_home/css/home.css b/clientarea/home/hgcloud_home/css/home.css
index a2a0341..9e077c1 100644
--- a/clientarea/home/hgcloud_home/css/home.css
+++ b/clientarea/home/hgcloud_home/css/home.css
@@ -53,7 +53,7 @@
 /* ====== ROW-FINANCE — 余额 / 本月消费 / 总消费 ====== */
 .row-finance {
   display: grid !important;
-  grid-template-columns: repeat(3, 1fr) !important;
+  grid-template-columns: repeat(2, 1fr) !important;
   gap: 16px !important;
 }
 .finance-card {
diff --git a/clientarea/home/hgcloud_home/home.php b/clientarea/home/hgcloud_home/home.php
index 948c53e..181b604 100644
--- a/clientarea/home/hgcloud_home/home.php
+++ b/clientarea/home/hgcloud_home/home.php
@@ -13,7 +13,7 @@
     <div class="ddr ddr4"></div>
     <div class="ddr ddr5"></div>
   </div>
-  <div class="template">
+  <div class="template" v-cloak>
     <el-container>
       <aside-menu></aside-menu>
       <el-container>
@@ -43,7 +43,7 @@
               </div>
             </div>
 
-            <!-- ====== Row 2: 余额 / 本月消费 / 总消费 三卡片 ====== -->
+            <!-- ====== Row 2: 余额 / 总消费 ====== -->
             <div class="row-finance">
               <!-- 余额 -->
               <div class="card finance-card fc-balance">
@@ -55,20 +55,6 @@
                   <span class="recharge-link" @click="showCz" v-if="commonData.recharge_open == 1 && coinRecharge.length > 0">{{lang.index_text35}}</span>
                 </div>
               </div>
-              <!-- 本月消费 -->
-              <div class="card finance-card fc-month">
-                <div class="fc-icon-wrap fc-icon-green"><i class="ph ph-chart-line-up"></i></div>
-                <div class="fc-label">{{lang.index_text4}}</div>
-                <div class="fc-value"><span class="fc-currency">{{commonData.currency_prefix}}</span>{{account.this_month_consume}}</div>
-                <div class="fc-footer">
-                  <span :class="Number(account.this_month_consume_percent) >= 0 ? 'fc-trend-up' : 'fc-trend-down'">
-                    <template v-if="Number(account.this_month_consume_percent) >= 0">↑</template>
-                    <template v-else>↓</template>
-                    {{Math.abs(Number(account.this_month_consume_percent))}}%
-                  </span>
-                  <span class="fc-vs">vs 上月</span>
-                </div>
-              </div>
               <!-- 总消费 -->
               <div class="card finance-card fc-total">
                 <div class="fc-icon-wrap fc-icon-amber"><i class="ph ph-coins"></i></div>
@@ -80,9 +66,9 @@
               </div>
             </div>
 
-            <!-- ====== Row 2b: 信用额度 + 代金券 + 代币 + 推介 ====== -->
-            <div class="row-2">
-              <div class="card card-balance" v-loading="nameLoading" v-if="(isShowCredit && creditData.status) || (coinData && coinData.name) || voucherList.length > 0">
+            <!-- ====== Row 2b: 信用额度 + 代金券 + 代币 ====== -->
+            <div class="row-extra" v-if="(isShowCredit && creditData.status) || (coinData && coinData.name) || voucherList.length > 0">
+              <div class="card card-balance" v-loading="nameLoading">
                 <!-- 信用额度 -->
                 <div class="credit-section" v-if="isShowCredit && creditData.status">
                   <div class="credit-row">
@@ -113,41 +99,6 @@
                   <a href="/finance.htm?tab=4" target="_blank" class="voucher-link">{{lang.index_text25}}</a>
                 </div>
               </div>
-
-              <!-- 右侧: 推介计划 -->
-              <div class="card card-side">
-                <!-- 推介计划（已开启） -->
-                <div class="referral-open" v-if="showRight && isOpen" v-plugin="'IdcsmartRecommend'">
-                  <div class="referral-title">
-                    <span>{{lang.referral_title1}}</span>
-                    <span class="referral-reward" @click="toReferral"><i class="ph-fill ph-gift"></i> {{lang.referral_text14}}</span>
-                  </div>
-                  <div class="referral-url">
-                    <div class="url-text" :title="promoterData.url">{{promoterData.url}}</div>
-                    <div class="url-copy" @click="copyUrl(promoterData.url)">{{lang.referral_btn2}}</div>
-                  </div>
-                  <div class="referral-stats">
-                    <div class="ref-stat">
-                      <div class="ref-amount">{{commonData.currency_prefix}}{{promoterData.withdrawable_amount}}</div>
-                      <div class="ref-label">{{lang.referral_title2}}</div>
-                    </div>
-                    <div class="ref-stat">
-                      <div class="ref-amount">{{commonData.currency_prefix}}{{promoterData.pending_amount}}</div>
-                      <div class="ref-label">{{lang.referral_title4}}</div>
-                    </div>
-                  </div>
-                </div>
-                <!-- 推介计划（未开启） -->
-                <div class="referral-closed" v-if="!showRight || !isOpen">
-                  <i class="ph ph-megaphone"></i>
-                  <div v-if="showRight">
-                    <h3>{{lang.index_text17}}</h3>
-                    <p>{{lang.index_text18}}</p>
-                    <div class="referral-open-btn" @click="openVisible = true">{{lang.index_text28}}</div>
-                  </div>
-                  <div v-else class="referral-disabled">{{lang.index_text21}}</div>
-                </div>
-              </div>
             </div>
 
             <!-- ====== Row 3: 产品列表 + 工单/公告 ====== -->