refactor: 首页去掉用户信息/认证+金额区三卡片化

- 移除card-user用户信息卡片
- 移除cert-section认证企业/姓名区块
- row-1改为单列stats-group占满全宽
- 新增row-finance三列grid：余额/本月消费/总消费各一张finance-card
- 渐变图标+大字号数值+趋势标签

clientarea/home/hgcloud_home/css/home.css

@@ -43,12 +43,61 @@
   box-sizing: border-box !important;
 }
 
-/* ====== ROW 1 — 用户信息 + 统计卡片（并排） ====== */
+/* ====== ROW 1 — 统计卡片（占满全宽） ====== */
 .row-1 {
   display: grid !important;
-  grid-template-columns: 3fr 2fr !important;
+  grid-template-columns: 1fr !important;
   gap: 16px !important;
 }
+
+/* ====== ROW-FINANCE — 余额 / 本月消费 / 总消费 ====== */
+.row-finance {
+  display: grid !important;
+  grid-template-columns: repeat(3, 1fr) !important;
+  gap: 16px !important;
+}
+.finance-card {
+  padding: 20px 24px !important;
+  display: flex !important;
+  flex-direction: column !important;
+  transition: box-shadow var(--ease), transform var(--ease) !important;
+}
+.finance-card:hover {
+  box-shadow: var(--shadow-md) !important;
+  transform: translateY(-2px);
+}
+.fc-icon-wrap {
+  width: 40px !important; height: 40px !important; border-radius: 10px !important;
+  display: flex !important; align-items: center !important; justify-content: center !important;
+  font-size: 20px !important; margin-bottom: 12px !important;
+}
+.fc-icon-blue  { background: linear-gradient(135deg, #E0EAFF, #C7D7FE) !important; color: #3B5DFF !important; }
+.fc-icon-green { background: linear-gradient(135deg, #D1FAE5, #A7F3D0) !important; color: #059669 !important; }
+.fc-icon-amber { background: linear-gradient(135deg, #FEF3C7, #FDE68A) !important; color: #D97706 !important; }
+.fc-label {
+  font-size: 13px; color: var(--text-secondary); font-weight: 500; margin-bottom: 6px;
+}
+.fc-value {
+  font-size: 28px; font-weight: 700; color: var(--text-primary);
+  line-height: 1.1; margin-bottom: 14px; font-variant-numeric: tabular-nums; letter-spacing: -0.5px;
+}
+.fc-value .fc-currency { font-size: 16px; margin-right: 2px; font-weight: 500; color: var(--text-secondary); }
+.fc-footer {
+  display: flex !important; align-items: center !important; gap: 8px !important;
+  min-height: 24px;
+}
+.fc-trend-up {
+  display: inline-flex; align-items: center; padding: 2px 8px;
+  border-radius: 20px; font-size: 12px; font-weight: 600;
+  background: #D1FAE5; color: var(--success);
+}
+.fc-trend-down {
+  display: inline-flex; align-items: center; padding: 2px 8px;
+  border-radius: 20px; font-size: 12px; font-weight: 600;
+  background: #FEE2E2; color: var(--danger);
+}
+.fc-vs { font-size: 12px; color: var(--text-tertiary); }
+.fc-sub { font-size: 12px; color: var(--text-tertiary); }
 /* 用户卡片：占 60% */
 .card-user {
   flex: 3 !important;