diff --git a/frontend/analysis.html b/frontend/analysis.html
index b44dba8..533cd00 100644
--- a/frontend/analysis.html
+++ b/frontend/analysis.html
@@ -9,7 +9,7 @@
 <style>
 :root{--bg:#f5f5f7;--card:rgba(255,255,255,.8);--border:rgba(0,0,0,.06);--text:#1d1d1f;--text2:#6e6e73;--text3:#aeaeb2;--blue:#0071e3;--green:#34c759;--red:#ff3b30;--orange:#ff9500;--purple:#af52de;--radius:16px;--radius-sm:10px;--radius-xs:8px}
 *{margin:0;padding:0;box-sizing:border-box}
-body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC",sans-serif;background:var(--bg);color:var(--text);min-height:100vh;font-size:14px}
+body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text","PingFang SC",sans-serif;background:var(--bg);color:var(--text);min-height:100vh;font-size:14px}
 .header{background:rgba(255,255,255,.72);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:40}
 .header-inner{max-width:1200px;margin:0 auto;padding:0 24px;height:52px;display:flex;align-items:center;justify-content:space-between}
 .header h1{font-size:17px;font-weight:600;color:var(--text);letter-spacing:-.2px}
@@ -53,9 +53,7 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC"
 .export-menu.show{display:block}
 .export-menu a{display:block;padding:10px 18px;font-size:13px;color:var(--text);text-decoration:none;transition:background .15s}
 .export-menu a:hover{background:rgba(0,0,0,.04)}
-.user-info{color:var(--text);font-size:13px;font-weight:500;cursor:pointer;padding:6px 14px;border-radius:var(--radius-xs);transition:all .2s;background:rgba(0,0,0,.02)}
-.user-info:hover{background:rgba(0,0,0,.06)}
-.container{max-width:1120px;margin:0 auto;padding:24px}
+.container{max-width:1200px;margin:0 auto;padding:24px}
 .stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:24px}
 .stat-card{background:var(--card);border-radius:var(--radius-sm);padding:20px;text-align:center;border:1px solid var(--border)}
 .stat-card .lbl{font-size:12px;color:var(--text3);margin-bottom:6px;font-weight:500}
@@ -67,9 +65,7 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC"
 .chart-wrap{position:relative;height:280px}
 .full-width{grid-column:1/-1}
 .empty-tip{text-align:center;padding:40px;color:var(--text3);font-size:13px}
-@media(max-width:900px){.stats-row{grid-template-columns:repeat(2,1fr)}.charts-grid{grid-template-columns:1fr}}
-
-.modal-mask{display:none;position:fixed;inset:0;background:rgba(0,0,0,.3);z-index:100;align-items:center;justify-content:center;backdrop-filter:blur(8px)}
+.modal-mask{display:none;position:fixed;inset:0;background:rgba(0,0,0,.3);z-index:100;align-items:center;justify-content:center;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
 .modal-mask.show{display:flex}
 .modal{background:#fff;border-radius:var(--radius);padding:28px;max-width:420px;width:90%;box-shadow:0 24px 80px rgba(0,0,0,.15)}
 .modal h3{margin-bottom:18px;font-size:17px;color:var(--text);font-weight:600}
@@ -79,106 +75,54 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC"
 .modal .form-row input:focus{border-color:var(--blue)}
 .modal .btn-row{display:flex;gap:10px;margin-top:18px}
 .btn-ghost{background:#fff;color:var(--text2);border:1px solid #d2d2d7;padding:10px 0;border-radius:var(--radius-xs);font-size:14px;cursor:pointer;flex:1;font-family:inherit}
-.btn-ghost:hover{background:#f5f5f7}
 .btn-main{background:var(--blue);color:#fff;padding:10px 0;border:none;border-radius:var(--radius-xs);font-size:14px;font-weight:500;cursor:pointer;flex:1;font-family:inherit}
 .error-msg{color:var(--red);font-size:12px;margin-top:8px;display:none}
 .error-msg.show{display:block}
 .success-msg{color:var(--green);font-size:13px;margin-top:8px;display:none}
 .success-msg.show{display:block}
-
-.profile-section{padding:4px 0}
-.profile-section .form-row{margin-bottom:14px}
-.profile-section .form-row label{display:block;font-size:13px;font-weight:500;margin-bottom:4px;color:var(--text2)}
-.profile-section .form-row input{width:100%;padding:10px 14px;border:1px solid #d2d2d7;border-radius:var(--radius-xs);font-size:14px;outline:none;transition:all .2s}
-.profile-section .form-row input:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,113,227,.12)}
-.profile-section .form-row input:disabled{background:#f5f5f7;color:var(--text3)}
-/* RESPONSIVE - Mobile & Tablet */
-@media(max-width:768px){
-  .header-inner{padding:0 12px;height:48px}
-  .header h1{font-size:15px}
-  .header-center{position:static;transform:none}
-  .nav-tabs{gap:2px;padding:2px}
-  .nav-tab{padding:5px 12px;font-size:12px}
-  .header-right{gap:2px}
-  .header-right a,.hdr-btn{padding:5px 8px;font-size:11px}
-  .user-info{padding:5px 8px;font-size:12px}
-  .notif-bell{padding:4px 6px}
-  .notif-dropdown{width:calc(100vw - 20px);right:-10px}
-  
-  .main{padding:12px;gap:12px}
-  .panel-title{padding:12px 14px;font-size:13px}
-  .panel-body{padding:12px 14px}
-  
-  .form-grid{grid-template-columns:1fr;gap:10px}
-  .form-row input,.form-row select{padding:10px 12px;font-size:14px}
-  
-  .loan-item{padding:8px 14px 8px 28px}
-  .loan-item .iamt{font-size:12px}
-  .loan-actions-popup{padding:6px 14px;flex-wrap:wrap}
-  
-  .stats{grid-template-columns:repeat(2,1fr);gap:8px}
-  .stat-card{padding:12px}
-  .stat-card .val{font-size:16px}
-  
-  .month-header{padding:10px 14px}
-  .month-header .total{font-size:13px}
-  .loan-row .right{width:90px}
-  .loan-row .pay-amt{font-size:13px}
-  
-  .modal{padding:20px;width:95%;max-width:none}
-  .modal h3{font-size:16px;margin-bottom:14px}
-  
-  .auth-card{width:100%;max-width:360px;padding:32px 24px;margin:16px}
-  .auth-card h2{font-size:20px;margin-bottom:24px}
-  
-  .btn-row{flex-direction:column;gap:8px}
-  .btn{padding:12px 0}
-  
-  .toast{max-width:calc(100vw - 32px);font-size:12px;padding:10px 16px}
-}
-
-@media(max-width:480px){
-  .header-inner{padding:0 10px;height:44px}
-  .header h1{font-size:14px}
-  .nav-tab{padding:4px 10px;font-size:11px}
-  .header-right a,.hdr-btn{padding:4px 6px;font-size:10px}
-  
-  .main{padding:10px;gap:10px}
-  .panel-title{padding:10px 12px}
-  .panel-body{padding:10px 12px}
-  
-  .stats{grid-template-columns:1fr 1fr}
-  .stat-card{padding:10px}
-  .stat-card .lbl{font-size:10px}
-  .stat-card .val{font-size:14px}
-  
-  .form-grid{gap:8px}
-  
-  .loan-group-header{padding:10px 12px}
-  .loan-group-header .gname{font-size:14px}
-  .loan-item{padding:8px 12px}
-  
-  .month-header{padding:8px 12px}
-  .month-header .ym{font-size:13px}
-  .month-detail{padding:0 12px 8px}
-  
-  .auth-card{padding:24px 20px}
-  .auth-card h2{font-size:18px;margin-bottom:20px}
-}
-
+#loginPage,#registerPage{display:none}
+.auth-page{display:flex;align-items:center;justify-content:center;min-height:100vh;background:var(--bg)}
+.auth-card{background:rgba(255,255,255,.72);backdrop-filter:saturate(180%) blur(20px);border-radius:20px;padding:48px 44px;width:400px;border:1px solid var(--border);box-shadow:0 16px 48px rgba(0,0,0,.08)}
+.auth-card h2{text-align:center;margin-bottom:32px;color:var(--text);font-size:22px;font-weight:700}
+.auth-card .form-row{margin-bottom:18px}
+.auth-card .form-row label{font-size:13px;font-weight:500}
+.auth-card .form-row input{padding:12px 16px;font-size:15px;width:100%;border:1px solid #d2d2d7;border-radius:var(--radius-xs);outline:none}
+.auth-card .links{text-align:center;margin-top:18px}
+.auth-card .links a{color:var(--blue);text-decoration:none;font-size:13px;font-weight:500}
+@media(max-width:900px){.stats-row{grid-template-columns:repeat(2,1fr)}.charts-grid{grid-template-columns:1fr}}
+@media(max-width:480px){.stats-row{grid-template-columns:1fr 1fr}.stat-card .val{font-size:18px}}
 </style>
 </head>
 <body>
 
-<div id="twofaBindModal" style="display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,.5);z-index:9998;align-items:center;justify-content:center">
-  <div style="background:#fff;border-radius:16px;padding:28px;max-width:360px;width:90%;box-shadow:0 24px 80px rgba(0,0,0,.2)">
-    <h3>双因素认证</h3>
-    <p style="font-size:13px;color:var(--text2);margin-bottom:12px;text-align:center">请使用验证器应用扫描二维码</p>
-    <div class="twofa-qr"><img id="twofaBindQr" width="200" height="200"></div>
-    <p style="font-size:11px;color:var(--text3);text-align:center;margin-bottom:12px">密钥：<code id="twofaBindSecret" style="background:#f5f5f7;padding:2px 6px;border-radius:4px;font-size:11px"></code></p>
-    <div class="form-row"><input type="text" id="twofaBindCode" placeholder="输入 6 位验证码" maxlength="6" style="text-align:center;font-size:20px;letter-spacing:4px"></div>
+<div id="loginPage" class="auth-page">
+  <div class="auth-card">
+    <h2>债务管理系统</h2>
+    <div class="form-row"><label>账号</label><input type="text" id="loginEmail" placeholder="请输入账号"></div>
+    <div class="form-row"><label>密码</label><input type="password" id="loginPwd" placeholder="请输入密码"></div>
+    <div id="loginError" class="error-msg"></div>
+    <div class="btn-row"><button class="btn btn-main" onclick="doLogin()">登录</button></div>
+    <div class="links"><a href="#" onclick="showRegister()">注册新账户</a></div>
+  </div>
+</div>
 
+<div id="registerPage" class="auth-page">
+  <div class="auth-card">
+    <h2>注册账户</h2>
+    <div id="regSuccess" class="success-msg" style="display:none"></div>
+    <div id="regForm">
+      <div class="form-row"><label>账号</label><input type="text" id="regEmail" placeholder="请输入账号"></div>
+      <div class="form-row"><label>昵称</label><input type="text" id="regNick" placeholder="请输入昵称"></div>
+      <div class="form-row"><label>密码</label><input type="password" id="regPwd" placeholder="请输入密码"></div>
+      <div class="form-row"><label>确认密码</label><input type="password" id="regPwd2" placeholder="请再次输入密码"></div>
+      <div id="regError" class="error-msg"></div>
+      <div class="btn-row"><button class="btn btn-main" onclick="doRegister()">注册</button></div>
+    </div>
+    <div class="links"><a href="#" onclick="showLogin()">已有账户？去登录</a></div>
+  </div>
+</div>
 
+<div id="appPage">
 <div class="header">
   <div class="header-inner">
     <h1>债务统计</h1>
@@ -199,11 +143,10 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC"
           <div class="notif-list" id="notifList"><div class="notif-empty">暂无通知</div></div>
         </div>
       </div>
+      <span class="user-info" id="userInfo" onclick="toggleUserMenu(event)"></span>
       <div class="export-wrap">
-        <span class="user-info" id="userInfo" onclick="toggleUserMenu(event)"></span>
         <div class="export-menu" id="userMenu">
           <a href="#" onclick="showProfile()">个人中心</a>
-          <a href="#" onclick="showChangePwd(event)">修改密码</a>
         </div>
       </div>
       <a href="/admin.html" class="admin-link" id="adminLink" style="display:none">管理</a>
@@ -215,13 +158,6 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC"
           <a href="#" onclick="exportHTML(event)">导出 HTML</a>
         </div>
       </div>
-      <div class="export-wrap">
-        <button class="hdr-btn" onclick="toggleImport(event)">导入</button>
-        <div class="export-menu" id="importMenu">
-          <a href="#" onclick="downloadTemplate(event)">下载模板</a>
-          <a href="#" onclick="showImportModal(event)">导入 CSV</a>
-        </div>
-      </div>
       <a href="#" class="logout-link" onclick="doLogout()">退出</a>
     </div>
   </div>
@@ -237,6 +173,45 @@ body{font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","PingFang SC"
     <div class="chart-card full-width"><h3>月度还款计划</h3><div class="chart-wrap"><canvas id="chartMonth"></canvas></div></div>
   </div>
 </div>
+</div>
+
+<div id="twofaBindModal" style="display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,.5);z-index:9998;align-items:center;justify-content:center">
+  <div style="background:#fff;border-radius:16px;padding:28px;max-width:360px;width:90%;box-shadow:0 24px 80px rgba(0,0,0,.2)">
+    <h3>双因素认证</h3>
+    <p style="font-size:13px;color:var(--text2);margin-bottom:12px;text-align:center">请使用验证器应用扫描二维码</p>
+    <div style="display:flex;justify-content:center;margin:16px 0"><img id="twofaBindQr" width="200" height="200" style="border:1px solid var(--border);border-radius:8px"></div>
+    <p style="font-size:11px;color:var(--text3);text-align:center;margin-bottom:12px">密钥：<code id="twofaBindSecret" style="background:#f5f5f7;padding:2px 6px;border-radius:4px;font-size:11px"></code></p>
+    <div style="display:flex;gap:8px;align-items:center"><input type="text" id="twofaBindCode" placeholder="输入 6 位验证码" maxlength="6" style="flex:1;padding:10px;border:1px solid #d2d2d7;border-radius:8px;font-size:20px;text-align:center;letter-spacing:4px"></div>
+    <div id="twofaBindError" class="error-msg" style="display:none"></div>
+    <div style="margin-top:16px"><button class="btn btn-main" style="width:100%" onclick="verifyTwofaBind()">确认绑定</button></div>
+  </div>
+</div>
+
+<div id="profileModal" style="display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,.5);z-index:9998;align-items:center;justify-content:center">
+  <div style="background:#fff;border-radius:16px;padding:28px;max-width:480px;width:90%;box-shadow:0 24px 80px rgba(0,0,0,.2)">
+    <h3>个人中心</h3>
+    <div class="form-row"><label>账号</label><input type="text" id="profileAccount" disabled style="background:#f5f5f7"></div>
+    <div class="form-row"><label>昵称</label><input type="text" id="profileNickname" placeholder="请输入昵称"></div>
+    <div class="form-row"><label>邮箱</label><div style="display:flex;gap:8px"><input type="email" id="profileEmail" placeholder="请输入邮箱" style="flex:1"><button class="btn btn-ghost" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="sendEmailVerify()">发送验证码</button></div></div>
+    <div class="form-row" id="emailCodeRow" style="display:none"><label>验证码</label><input type="text" id="profileEmailCode" placeholder="请输入验证码"></div>
+    <div id="profileError" class="error-msg" style="display:none"></div>
+    <div id="profileSuccess" class="success-msg" style="display:none"></div>
+    <div style="margin-top:16px;padding-top:16px;border-top:1px solid var(--border)">
+      <label style="display:block;font-size:13px;font-weight:500;margin-bottom:8px">双因素认证</label>
+      <div id="twofaStatus"><span style="font-size:12px;color:var(--text3)">加载中...</span></div>
+      <div id="twofaSetupSection" style="display:none">
+        <p style="font-size:12px;color:var(--text2);margin:12px 0">请使用验证器应用扫描：</p>
+        <div style="display:flex;justify-content:center;margin:12px 0"><img id="twofaQrCode" width="200" height="200" style="border:1px solid var(--border);border-radius:8px"></div>
+        <p style="font-size:11px;color:var(--text3);text-align:center;margin-bottom:12px">密钥：<code id="twofaSecret" style="background:#f5f5f7;padding:2px 6px;border-radius:4px"></code></p>
+        <div style="display:flex;gap:8px;align-items:center"><input type="text" id="twofaSetupCode" placeholder="6位验证码" maxlength="6" style="flex:1"><button class="btn btn-main" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="verifyTwofaSetup()">确认</button></div>
+      </div>
+    </div>
+    <div style="margin-top:16px;display:flex;gap:10px"><button class="btn-ghost" onclick="closeProfile()" style="flex:1">取消</button><button class="btn btn-main" onclick="saveProfile()" style="flex:1">保存</button></div>
+  </div>
+</div>
+
+<div class="modal-mask" id="changeNickModal"><div class="modal"><h3>修改昵称</h3><div class="form-row"><label>新昵称</label><input type="text" id="newNick" placeholder="请输入新昵称"></div><div id="nickError" class="error-msg" style="display:none"></div><div id="nickSuccess" class="success-msg" style="display:none"></div><div class="btn-row"><button class="btn-ghost" onclick="closeChangeNick()">取消</button><button class="btn btn-main" onclick="doChangeNick()">确认修改</button></div></div></div>
+<div class="modal-mask" id="changePwdModal"><div class="modal"><h3>修改密码</h3><div class="form-row"><label>原密码</label><input type="password" id="oldPwd" placeholder="请输入原密码"></div><div class="form-row"><label>新密码</label><input type="password" id="newPwd" placeholder="请输入新密码"></div><div class="form-row"><label>确认新密码</label><input type="password" id="newPwd2" placeholder="请再次输入新密码"></div><div id="pwdError" class="error-msg" style="display:none"></div><div id="pwdSuccess" class="success-msg" style="display:none"></div><div class="btn-row"><button class="btn-ghost" onclick="closeChangePwd()">取消</button><button class="btn btn-main" onclick="doChangePwd()">确认修改</button></div></div></div>
 
 <script>
 const API='/api/v1';
@@ -246,6 +221,7 @@ let currentUser=null;
 let loans=[];
 const $=id=>document.getElementById(id);
 const fmt=n=>n.toLocaleString('zh-CN',{minimumFractionDigits:2,maximumFractionDigits:2});
+function escapeHtml(s){if(!s)return'';const d=document.createElement('div');d.textContent=s;return d.innerHTML;}
 
 async function apiFetch(path,opts={}){
   const headers={'Content-Type':'application/json',...opts.headers};
@@ -260,14 +236,7 @@ async function apiFetch(path,opts={}){
 }
 
 function toggleUserMenu(e){e.stopPropagation();$('userMenu').classList.toggle('show');}
-
-function showChangeNick(e){if(e)e.preventDefault();$('userMenu').classList.remove('show');$('newNick').value='';$('nickError').style.display='none';$('nickSuccess').style.display='none';$('changeNickModal').classList.add('show');}
-function closeChangeNick(){$('changeNickModal').classList.remove('show');}
-async function doChangeNick(){const nick=$('newNick').value.trim();if(!nick)return $('nickError').textContent='请输入昵称';$('nickError').style.display='';$('nickError').style.display='none';const res=await apiFetch('/auth/profile',{method:'PUT',body:JSON.stringify({nickname:nick})});if(res&&res.ok){$('nickSuccess').style.display='';$('nickSuccess').textContent='昵称修改成功';currentUser.nickname=nick;$('userInfo').textContent=nick||currentUser.account;}else{const d=await res.json();$('nickError').textContent=d.detail||'修改失败';$('nickError').style.display='';}}
-function showChangePwd(e){if(e)e.preventDefault();$('userMenu').classList.remove('show');$('oldPwd').value='';$('newPwd').value='';$('newPwd2').value='';$('pwdError').style.display='none';$('pwdSuccess').style.display='none';$('changePwdModal').classList.add('show');}
-function closeChangePwd(){$('changePwdModal').classList.remove('show');}
-async function doChangePwd(){const old=$('oldPwd').value,nw=$('newPwd').value,nw2=$('newPwd2').value;if(!old||!nw)return $('pwdError').textContent='请填写所有字段';$('pwdError').style.display='';if(nw!==nw2){$('pwdError').textContent='两次新密码不一致';$('pwdError').style.display='';return;}$('pwdError').style.display='none';const res=await apiFetch('/auth/password',{method:'PUT',body:JSON.stringify({old_password:old,new_password:nw})});if(res&&res.ok){$('pwdSuccess').style.display='';$('pwdSuccess').textContent='密码修改成功';$('oldPwd').value='';$('newPwd').value='';$('newPwd2').value='';}else{const d=await res.json();$('pwdError').textContent=d.detail||'修改失败';$('pwdError').style.display='';}}
-
+document.addEventListener('click',function(){$('userMenu')?.classList.remove('show');});
 
 function showProfile(){
   $('userMenu').classList.remove('show');
@@ -275,70 +244,128 @@ function showProfile(){
   $('profileNickname').value=currentUser.nickname||'';
   $('profileEmail').value=currentUser.real_email||'';
   $('emailCodeRow').style.display='none';
-  $('profileEmailCode').value='';
   $('profileError').style.display='none';
   $('profileSuccess').style.display='none';
-  $('profileModal').classList.add('show');
+  $('profileModal').style.display='flex';
+  loadTwofaStatus();
 }
-function closeProfile(){$('profileModal').classList.remove('show');}
+function closeProfile(){$('profileModal').style.display='none';}
 
 let emailVerifySent=false;
 async function sendEmailVerify(){
   const email=$('profileEmail').value.trim();
-  if(!email||!email.includes('@')){showProfileError('请输入有效邮箱');return;}
+  if(!email||!email.includes('@')){$('profileError').textContent='请输入有效邮箱';$('profileError').style.display='';return;}
   $('profileError').style.display='none';
   const res=await apiFetch('/auth/verify-email',{method:'POST',body:JSON.stringify({email})});
-  if(res&&res.ok){
-    emailVerifySent=true;
-    $('emailCodeRow').style.display='';
-    $('profileSuccess').style.display='';$('profileSuccess').textContent='验证码已发送到当前邮箱';
-  }else{
-    const d=await res.json().catch(()=>({}));
-    showProfileError(d.detail||'发送失败');
-  }
+  if(res&&res.ok){emailVerifySent=true;$('emailCodeRow').style.display='';$('profileSuccess').style.display='';$('profileSuccess').textContent='验证码已发送';}
+  else{const d=await res.json().catch(()=>({}));$('profileError').textContent=d.detail||'发送失败';$('profileError').style.display='';}
 }
 
-function showProfileError(msg){$('profileError').textContent=msg;$('profileError').style.display='';}
-function hideProfileError(){$('profileError').style.display='none';}
-
 async function saveProfile(){
   const nick=$('profileNickname').value.trim();
   const email=$('profileEmail').value.trim();
   const code=$('profileEmailCode').value.trim();
-  
-  hideProfileError();
+  $('profileError').style.display='none';
   $('profileSuccess').style.display='none';
-  
-  // Update nickname
-  if(nick!==currentUser.nickname){
+  if(nick&&nick!==currentUser.nickname){
     const res=await apiFetch('/auth/profile',{method:'PUT',body:JSON.stringify({nickname:nick})});
     if(res&&res.ok){currentUser.nickname=nick;$('userInfo').textContent=nick||currentUser.account;}
-    else{const d=await res.json().catch(()=>({}));showProfileError(d.detail||'昵称修改失败');return;}
+    else{$('profileError').textContent='昵称修改失败';$('profileError').style.display='';return;}
   }
-  
-  // Update email if changed and code provided
   if(email&&email!==currentUser.real_email){
-    if(!code){showProfileError('请输入邮箱验证码');$('emailCodeRow').style.display='';return;}
+    if(!code){$('profileError').textContent='请输入邮箱验证码';$('profileError').style.display='';return;}
     const res=await apiFetch('/auth/change-email',{method:'POST',body:JSON.stringify({code,new_email:email})});
     if(res&&res.ok){currentUser.real_email=email;}
-    else{const d=await res.json().catch(()=>({}));showProfileError(d.detail||'邮箱修改失败');return;}
+    else{$('profileError').textContent='邮箱修改失败';$('profileError').style.display='';return;}
   }
-  
   $('profileSuccess').style.display='';$('profileSuccess').textContent='保存成功';
-  setTimeout(()=>{closeProfile();},1000);
+  setTimeout(closeProfile,1000);
+}
+
+async function loadTwofaStatus(){
+  const res=await apiFetch('/auth/2fa/status');
+  if(res&&res.ok){
+    const data=await res.json();
+    const el=document.getElementById('twofaStatus');
+    if(data.enabled){el.innerHTML='<span style="font-size:12px;color:var(--green)">已启用</span>';}
+    else{el.innerHTML='<span style="font-size:12px;color:var(--text3)">未启用</span>';}
+  }
+}
+
+function toggleNotifDropdown(e){e.stopPropagation();$('notifDropdown').classList.toggle('show');}
+document.addEventListener('click',function(){$('notifDropdown')?.classList.remove('show');$('userMenu')?.classList.remove('show');});
+
+async function loadNotifications(){const res=await apiFetch('/notifications?size=20');if(!res||!res.ok)return;const data=await res.json();renderNotifBadge(data.unread);renderNotifList(data.items);}
+function renderNotifBadge(unread){const badge=$('notifBadge');if(unread>0){badge.style.display='';badge.textContent=unread>99?'99+':unread;}else{badge.style.display='none';}}
+function renderNotifList(items){const el=$('notifList');if(!items.length){el.innerHTML='<div class="notif-empty">暂无通知</div>';return;}el.innerHTML=items.map(n=>`<div class="notif-item${n.is_read===0?' unread':''}" onclick="readNotif(${n.id})"><div class="notif-icon ${n.type}">${notifTypeIcon(n.type)}</div><div class="notif-content"><div class="notif-title">${escapeHtml(n.title)}</div><div class="notif-msg">${escapeHtml(n.message)}</div></div><div class="notif-time">${timeAgo(n.created_at)}</div></div>`).join('');}
+function notifTypeIcon(type){const map={repayment_due:'📅',repayment_overdue:'⚠️',system:'📢',account:'👤'};return map[type]||'📩';}
+function timeAgo(dt){const diff=(Date.now()-new Date(dt).getTime())/1000;if(diff<60)return '刚刚';if(diff<3600)return Math.floor(diff/60)+'分钟前';if(diff<86400)return Math.floor(diff/3600)+'小时前';return Math.floor(diff/86400)+'天前';}
+async function readNotif(id){await apiFetch('/notifications/'+id+'/read',{method:'PUT'});loadNotifications();}
+async function markAllNotifRead(){await apiFetch('/notifications/read-all',{method:'PUT'});loadNotifications();}
+
+let twofaBindToken='';
+function showTwofaBindModal(){
+  apiFetch('/auth/2fa/status').then(function(res){
+    if(res&&res.ok){res.json().then(function(data){
+      if(data.enabled&&data.has_secret){return;}
+      apiFetch('/auth/2fa/setup',{method:'POST'}).then(function(res2){
+        if(res2&&res2.ok){res2.json().then(function(d){
+          $('twofaBindQr').src=d.qr_code;
+          $('twofaBindSecret').textContent=d.secret;
+          $('twofaBindCode').value='';
+          $('twofaBindError').style.display='none';
+          $('twofaBindModal').style.display='flex';
+          document.body.style.overflow='hidden';
+        });}
+      });
+    });}
+  });
+}
+function closeTwofaBindModal(){$('twofaBindModal').style.display='none';document.body.style.overflow='';}
+async function verifyTwofaBind(){
+  var code=$('twofaBindCode').value.trim();
+  if(!code||code.length!==6){$('twofaBindError').textContent='请输入6位验证码';$('twofaBindError').style.display='';return;}
+  var res=await apiFetch('/auth/2fa/verify',{method:'POST',body:JSON.stringify({code:code})});
+  if(res&&res.ok){$('twofaBindModal').style.display='none';document.body.style.overflow='';showToast('双因素认证已绑定','success');}
+  else{var d=await res.json().catch(function(){return {};});$('twofaBindError').textContent=d.detail||'验证码错误';$('twofaBindError').style.display='';}
+}
+function showToast(msg,type){alert(msg);}
+
+async function doLogin(){
+  var account=$('loginEmail').value.trim();
+  var pwd=$('loginPwd').value;
+  if(!account||!pwd){$('loginError').textContent='请输入账号和密码';$('loginError').style.display='';return;}
+  $('loginError').style.display='none';
+  try{
+    var res=await fetch(API+'/auth/login',{method:'POST',headers:{'Content-Type':'application/json'},body:JSON.stringify({account:account,password:pwd})});
+    var data=await res.json();
+    if(!res.ok){$('loginError').textContent=data.detail||'登录失败';$('loginError').style.display='';return;}
+    token=data.access_token;refreshToken=data.refresh_token;
+    localStorage.setItem('access_token',token);localStorage.setItem('refresh_token',refreshToken);
+    await checkAuth();await loadLoans();
+  }catch(e){$('loginError').textContent='网络异常';$('loginError').style.display='';}
 }
 
 async function checkAuth(){
-  if(!token){window.location.href='/';return false;}
+  if(!token){showLogin();return false;}
   const res=await apiFetch('/auth/profile');
-  if(!res||!res.ok){window.location.href='/';return false;}
+  if(!res||!res.ok){showLogin();return false;}
   currentUser=await res.json();
   $('userInfo').textContent=currentUser.nickname||currentUser.account;
   if(currentUser.role==='admin')$('adminLink').style.display='';
-  return true;
+  showApp();return true;
 }
+function showLogin(){$('loginPage').style.display='flex';$('registerPage').style.display='none';$('appPage').style.display='none';}
+function showRegister(){$('loginPage').style.display='none';$('registerPage').style.display='flex';$('appPage').style.display='none';}
+function showApp(){$('loginPage').style.display='none';$('registerPage').style.display='none';$('appPage').style.display='';}
 
-function doLogout(){token='';refreshToken='';currentUser=null;localStorage.removeItem('access_token');localStorage.removeItem('refresh_token');window.location.href='/';}
+async function doRegister(){
+  var account=$('regEmail').value.trim(),nick=$('regNick').value.trim(),pwd=$('regPwd').value,pwd2=$('regPwd2').value;
+  if(!account||!pwd){$('regError').textContent='请填写账号和密码';return;}
+  if(pwd!==pwd2){$('regError').textContent='两次密码不一致';return;}
+  try{const res=await fetch(API+'/auth/register',{method:'POST',headers:{'Content-Type':'application/json'},body:JSON.stringify({account:account,password:pwd,nickname:nick})});const data=await res.json();if(!res.ok){$('regError').textContent=data.detail||'注册失败';return;}$('regForm').style.display='none';$('regSuccess').style.display='';$('regSuccess').textContent=data.message||'注册成功';}catch(e){$('regError').textContent='网络异常';}
+}
+function doLogout(){token='';refreshToken='';currentUser=null;localStorage.removeItem('access_token');localStorage.removeItem('refresh_token');showLogin();}
 
 async function loadLoans(){const res=await apiFetch('/loans');if(!res||!res.ok)return;loans=await res.json();renderAll();}
 
@@ -346,163 +373,45 @@ function renderAll(){
   if(!loans.length){$('statsRow').innerHTML='<div class="empty-tip">暂无数据</div>';return;}
   renderStats();renderPie();renderCreditor();renderMethod();renderRate();renderMonth();
 }
-
 function renderStats(){
   let totalAmt=0,totalInt=0,totalPaid=0,paidN=0,totalN=0;
-  loans.forEach(l=>{
-    totalAmt+=l.amount;totalN+=l.periods;
-    totalInt+=l.schedule.reduce((a,r)=>a+r.it,0);
-    paidN+=l.paid.length;
-    totalPaid+=l.schedule.filter(r=>l.paid.includes(r.p)).reduce((a,r)=>a+r.pay,0);
-  });
+  loans.forEach(l=>{totalAmt+=l.amount;totalN+=l.periods;totalInt+=l.schedule.reduce((a,r)=>a+r.it,0);paidN+=l.paid.length;totalPaid+=l.schedule.filter(r=>l.paid.includes(r.p)).reduce((a,r)=>a+r.pay,0);});
   const totalPay=totalAmt+totalInt;
-  $('statsRow').innerHTML=`
-    <div class="stat-card"><div class="lbl">借款总额</div><div class="val blue">¥${fmt(totalAmt)}</div></div>
-    <div class="stat-card"><div class="lbl">总利息</div><div class="val red">¥${fmt(totalInt)}</div></div>
-    <div class="stat-card"><div class="lbl">已还</div><div class="val green">¥${fmt(totalPaid)}</div></div>
-    <div class="stat-card"><div class="lbl">还款进度</div><div class="val orange">${paidN}/${totalN}期</div></div>`;
+  $('statsRow').innerHTML=`<div class="stat-card"><div class="lbl">借款总额</div><div class="val blue">¥${fmt(totalAmt)}</div></div><div class="stat-card"><div class="lbl">总利息</div><div class="val red">¥${fmt(totalInt)}</div></div><div class="stat-card"><div class="lbl">已还</div><div class="val green">¥${fmt(totalPaid)}</div></div><div class="stat-card"><div class="lbl">还款进度</div><div class="val orange">${paidN}/${totalN}期</div></div>`;
 }
-
 function renderPie(){
   let totalAmt=0,totalPaid=0;
-  loans.forEach(l=>{
-    totalAmt+=l.amount;
-    totalPaid+=l.schedule.filter(r=>l.paid.includes(r.p)).reduce((a,r)=>a+r.pay,0);
-  });
-  const remain=Math.max(0,totalAmt+loans.reduce((s,l)=>s+l.schedule.reduce((a,r)=>a+r.it,0),0)-totalPaid);
+  loans.forEach(l=>{totalAmt+=l.amount;totalPaid+=l.schedule.filter(r=>l.paid.includes(r.p)).reduce((a,r)=>a+r.pay,0);});
   new Chart($('chartPie'),{type:'doughnut',data:{labels:['已还本金','待还本金','已还利息','待还利息'],datasets:[{data:[totalPaid*0.85,Math.max(0,totalAmt-totalPaid*0.85),totalPaid*0.15,Math.max(0,loans.reduce((s,l)=>s+l.schedule.reduce((a,r)=>a+r.it,0),0)-totalPaid*0.15)],backgroundColor:['#34c759','#0071e3','#30d158','#5ac8fa']}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{position:'bottom',labels:{padding:12,font:{size:12}}}}}});
 }
-
 function renderCreditor(){
   const map={};loans.forEach(l=>{map[l.name]=(map[l.name]||0)+l.amount;});
   const sorted=Object.entries(map).sort((a,b)=>b[1]-a[1]).slice(0,8);
   new Chart($('chartCreditor'),{type:'bar',data:{labels:sorted.map(s=>s[0]),datasets:[{label:'借款金额',data:sorted.map(s=>s[1]),backgroundColor:['#0071e3','#34c759','#ff9500','#af52de','#ff3b30','#5ac8fa','#30d158','#ff6b35']}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{display:false}},scales:{y:{beginAtZero:true,ticks:{callback:v=>'¥'+v.toLocaleString()}},x:{ticks:{font:{size:11}}}}}});
 }
-
 function renderMethod(){
   const map={};loans.forEach(l=>{const m=l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本';map[m]=(map[m]||0)+1;});
   new Chart($('chartMethod'),{type:'doughnut',data:{labels:Object.keys(map),datasets:[{data:Object.values(map),backgroundColor:['#0071e3','#ff9500','#af52de']}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{position:'bottom',labels:{padding:12,font:{size:12}}}}}});
 }
-
 function renderRate(){
   const buckets={'0%':0,'0-5%':0,'5-10%':0,'10-15%':0,'15-20%':0,'20%+':0};
-  loans.forEach(l=>{
-    const r=l.rate;
-    if(r===0)buckets['0%']++;
-    else if(r<5)buckets['0-5%']++;
-    else if(r<10)buckets['5-10%']++;
-    else if(r<15)buckets['10-15%']++;
-    else if(r<20)buckets['15-20%']++;
-    else buckets['20%+']++;
-  });
+  loans.forEach(l=>{const r=l.rate;if(r===0)buckets['0%']++;else if(r<5)buckets['0-5%']++;else if(r<10)buckets['5-10%']++;else if(r<15)buckets['10-15%']++;else if(r<20)buckets['15-20%']++;else buckets['20%+']++;});
   new Chart($('chartRate'),{type:'bar',data:{labels:Object.keys(buckets),datasets:[{label:'借款数量',data:Object.values(buckets),backgroundColor:['#34c759','#5ac8fa','#0071e3','#ff9500','#ff6b35','#ff3b30']}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{display:false}},scales:{y:{beginAtZero:true,ticks:{stepSize:1}},x:{ticks:{font:{size:11}}}}}});
 }
-
 function renderMonth(){
   const map={};loans.forEach(l=>{l.schedule.forEach(r=>{const ym=r.date.slice(0,7);if(!map[ym])map[ym]={total:0,paid:0};map[ym].total+=r.pay;if(l.paid.includes(r.p))map[ym].paid+=r.pay;});});
   const months=Object.keys(map).sort().slice(0,12);
   new Chart($('chartMonth'),{type:'bar',data:{labels:months.map(m=>m.replace('-','年')+'月'),datasets:[{label:'应还',data:months.map(m=>map[m].total),backgroundColor:'rgba(0,113,227,.3)',borderColor:'#0071e3',borderWidth:1},{label:'已还',data:months.map(m=>map[m].paid),backgroundColor:'rgba(52,199,89,.5)',borderColor:'#34c759',borderWidth:1}]},options:{responsive:true,maintainAspectRatio:false,plugins:{legend:{position:'bottom',labels:{padding:12,font:{size:12}}}},scales:{y:{beginAtZero:true,ticks:{callback:v=>'¥'+v.toLocaleString()}},x:{ticks:{font:{size:10}}}}}});
 }
 
-
-function escapeHtml(s){if(!s)return'';const d=document.createElement('div');d.textContent=s;return d.innerHTML;}
-function notifTypeIcon(type){const map={repayment_due:'📅',repayment_overdue:'⚠️',system:'📢',account:'👤'};return map[type]||'📩';}
-function timeAgo(dt){const diff=(Date.now()-new Date(dt).getTime())/1000;if(diff<60)return '刚刚';if(diff<3600)return Math.floor(diff/60)+'分钟前';if(diff<86400)return Math.floor(diff/3600)+'小时前';return Math.floor(diff/86400)+'天前';}
-
-function toggleNotifDropdown(e){e.stopPropagation();const dd=$('notifDropdown');dd.classList.toggle('show');if(dd.classList.contains('show'))loadNotifications();}
-document.addEventListener('click',function(){$('notifDropdown')?.classList.remove('show');$('exportMenu')?.classList.remove('show');$('importMenu')?.classList.remove('show');$('userMenu')?.classList.remove('show');});
-
-async function loadNotifications(){const res=await apiFetch('/notifications?size=20');if(!res||!res.ok)return;const data=await res.json();renderNotifBadge(data.unread);renderNotifList(data.items);}
-function renderNotifBadge(unread){const badge=$('notifBadge');if(unread>0){badge.style.display='';badge.textContent=unread>99?'99+':unread;}else{badge.style.display='none';}}
-function renderNotifList(items){const el=$('notifList');if(!items.length){el.innerHTML='<div class="notif-empty">暂无通知</div>';return;}el.innerHTML=items.map(n=>`<div class="notif-item${n.is_read===0?' unread':''}" onclick="readNotif(${n.id})"><div class="notif-icon ${n.type}">${notifTypeIcon(n.type)}</div><div class="notif-content"><div class="notif-title">${escapeHtml(n.title)}</div><div class="notif-msg">${escapeHtml(n.message)}</div></div><div class="notif-time">${timeAgo(n.created_at)}</div></div>`).join('');}
-async function readNotif(id){await apiFetch('/notifications/'+id+'/read',{method:'PUT'});loadNotifications();}
-
 function toggleExport(e){e.stopPropagation();$('exportMenu').classList.toggle('show');}
-function toggleImport(e){e.stopPropagation();$('importMenu').classList.toggle('show');}
+document.addEventListener('click',function(){$('exportMenu')?.classList.remove('show');});
 function download(filename,content,mime){const blob=new Blob(['\uFEFF'+content],{type:mime});const a=document.createElement('a');a.href=URL.createObjectURL(blob);a.download=filename;a.click();}
-function getVisibleLoans(){return currentUser&&currentUser.role==='admin'?loans:loans.filter(l=>l.user_id===currentUser.id);}
-
-function exportCSV(e){e.preventDefault();if(!loans.length)return;let csv='债权人,借款日期,借款金额,年化率(%),总利息,分期数,还款方式,已还期数,状态,用途\n';vl.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const paid=l.paid.length+'/'+l.periods;const status=l.paid.length>=l.periods?'已还清':'还款中';csv+=`${escapeHtml(l.name)},${l.date},${l.amount},${l.rate},${ti.toFixed(2)},${l.periods},${l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本'},${paid},${status}\n`;});download('债务统计_'+new Date().toISOString().slice(0,10)+'.csv',csv,'text/csv;charset=utf-8');}
+function exportCSV(e){e.preventDefault();if(!loans.length)return;let csv='债权人,借款日期,借款金额,年化率(%),总利息,分期数,还款方式,已还期数,状态,用途\n';loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const paid=l.paid.length+'/'+l.periods;const status=l.paid.length>=l.periods?'已还清':'还款中';csv+=`${escapeHtml(l.name)},${l.date},${l.amount},${l.rate},${ti.toFixed(2)},${l.periods},${l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本'},${paid},${status},${escapeHtml(l.purpose||'')}\n`;});download('债务统计_'+new Date().toISOString().slice(0,10)+'.csv',csv,'text/csv;charset=utf-8');}
 function exportJSON(e){e.preventDefault();if(!loans.length)return;const data=loans.map(l=>({债权人:l.name,借款日期:l.date,借款金额:l.amount,年化率:l.rate,分期数:l.periods,还款方式:l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本',已还期数:l.paid.length,状态:l.paid.length>=l.periods?'已还清':'还款中',用途:l.purpose||''}));download('债务统计_'+new Date().toISOString().slice(0,10)+'.json',JSON.stringify(data,null,2),'application/json;charset=utf-8');}
-function exportHTML(e){e.preventDefault();if(!loans.length)return;let h=`<html><head><meta charset="utf-8"><title>债务统计</title></head><body><h2>债务统计报表</h2><table border="1"><tr><th>借款人</th><th>金额</th><th>利率</th><th>期数</th></tr>`;loans.forEach(l=>{h+=`<tr><td>${escapeHtml(l.name)}</td><td>¥${l.amount.toLocaleString()}</td><td>${l.rate}%</td><td>${l.paid.length}/${l.periods}</td></tr>`;});h+=`</table>
-<div class="modal-mask" id="changeNickModal"><div class="modal"><h3>修改昵称</h3><div class="form-row"><label>新昵称</label><input type="text" id="newNick" placeholder="请输入新昵称"></div><div id="nickError" class="error-msg" style="display:none"></div><div id="nickSuccess" class="success-msg" style="display:none"></div><div class="btn-row"><button class="btn btn-ghost" onclick="closeChangeNick()">取消</button><button class="btn btn-main" onclick="doChangeNick()">确认修改</button></div></div></div>
-<div class="modal-mask" id="changePwdModal"><div class="modal"><h3>修改密码</h3><div class="form-row"><label>原密码</label><input type="password" id="oldPwd" placeholder="请输入原密码"></div><div class="form-row"><label>新密码</label><input type="password" id="newPwd" placeholder="请输入新密码"></div><div class="form-row"><label>确认新密码</label><input type="password" id="newPwd2" placeholder="请再次输入新密码"></div><div id="pwdError" class="error-msg" style="display:none"></div><div id="pwdSuccess" class="success-msg" style="display:none"></div><div class="btn-row"><button class="btn btn-ghost" onclick="closeChangePwd()">取消</button><button class="btn btn-main" onclick="doChangePwd()">确认修改</button></div></div></div>
-
-<div class="modal-mask" id="profileModal">
-  <div class="modal" style="max-width:480px">
-    <h3>个人中心</h3>
-    <div class="profile-section">
-      <div class="form-row"><label>账号</label><input type="text" id="profileAccount" disabled style="background:#f5f5f7"></div>
-      <div class="form-row"><label>昵称</label><input type="text" id="profileNickname" placeholder="请输入昵称"></div>
-      <div class="form-row">
-        <label>邮箱</label>
-        <div style="display:flex;gap:8px">
-          <input type="email" id="profileEmail" placeholder="请输入邮箱" style="flex:1">
-          <button class="btn btn-ghost" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="sendEmailVerify()">发送验证码</button>
-        </div>
-      </div>
-      <div class="form-row" id="emailCodeRow" style="display:none">
-        <label>验证码</label>
-        <input type="text" id="profileEmailCode" placeholder="请输入6位验证码" maxlength="6">
-      </div>
-      <div id="profileError" class="error-msg" style="display:none"></div>
-      <div id="profileSuccess" class="success-msg" style="display:none"></div>
-      <div class="twofa-section" style="margin-top:16px;padding-top:16px;border-top:1px solid var(--border)">
-        <label style="display:block;font-size:13px;font-weight:500;margin-bottom:8px">双因素认证</label>
-        <div class="twofa-status" id="twofaStatus"><span style="font-size:12px;color:var(--text3)">加载中...</span></div>
-        <div id="twofaSetupSection" style="display:none">
-          <p style="font-size:12px;color:var(--text2);margin-bottom:12px">请使用验证器应用扫描下方二维码：</p>
-          <div style="display:flex;justify-content:center;margin:16px 0"><img id="twofaQrCode" width="200" height="200" style="border:1px solid var(--border);border-radius:8px"></div>
-          <p style="font-size:11px;color:var(--text3);text-align:center;margin-bottom:12px">密钥：<code id="twofaSecret" style="background:#f5f5f7;padding:2px 6px;border-radius:4px;font-size:11px"></code></p>
-          <div style="display:flex;gap:8px;align-items:center"><input type="text" id="twofaSetupCode" placeholder="输入 6 位验证码" maxlength="6" style="flex:1"><button class="btn btn-main" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="verifyTwofaSetup()">确认启用</button></div>
-        </div>
-      </div>
-      <div class="btn-row">
-        <button class="btn btn-ghost" onclick="closeProfile()">取消</button>
-        <button class="btn btn-main" onclick="saveProfile()">保存</button>
-      </div>
-    </div>
-  </div>
-</div>
-</body></html>`;download('债务统计_'+new Date().toISOString().slice(0,10)+'.html',h,'text/html;charset=utf-8');}
-function downloadTemplate(e){e.preventDefault();$('importMenu').classList.remove('show');let csv='借款人,借款日期,借款金额,年利率(%),总利息,分期数,还款方式\n';csv+='张三,2026-01-01,100000,5.7,5198.99,24,等额本息\n';download('导入模板.csv',csv,'text/csv;charset=utf-8');}
-function showImportModal(e){e.preventDefault();$('importMenu').classList.remove('show');}
+function exportHTML(e){e.preventDefault();if(!loans.length)return;let h='<html><head><meta charset="utf-8"><title>债务统计</title></head><body><h2>债务统计报表</h2><table border="1"><tr><th>借款人</th><th>金额</th><th>利率</th><th>期数</th></tr>';loans.forEach(l=>{h+=`<tr><td>${escapeHtml(l.name)}</td><td>¥${l.amount.toLocaleString()}</td><td>${l.rate}%</td><td>${l.paid.length}/${l.periods}</td></tr>`;});h+='</table></body></html>';download('债务统计_'+new Date().toISOString().slice(0,10)+'.html',h,'text/html;charset=utf-8');}
 
 checkAuth().then(ok=>{if(ok)loadLoans();});
 </script>
-
-
-
-      <div class="form-row"><label>昵称</label><input type="text" id="profileNickname" placeholder="请输入昵称"></div>
-      <div class="form-row">
-        <label>邮箱</label>
-        <div style="display:flex;gap:8px">
-          <input type="email" id="profileEmail" placeholder="请输入邮箱" style="flex:1">
-          <button class="btn btn-ghost" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="sendEmailVerify()">发送验证码</button>
-        </div>
-      </div>
-      <div class="form-row" id="emailCodeRow" style="display:none">
-        <label>验证码</label>
-        <input type="text" id="profileEmailCode" placeholder="请输入6位验证码" maxlength="6">
-      </div>
-      <div id="profileError" class="error-msg" style="display:none"></div>
-      <div id="profileSuccess" class="success-msg" style="display:none"></div>
-      <div class="twofa-section" style="margin-top:16px;padding-top:16px;border-top:1px solid var(--border)">
-        <label style="display:block;font-size:13px;font-weight:500;margin-bottom:8px">双因素认证</label>
-        <div class="twofa-status" id="twofaStatus"><span style="font-size:12px;color:var(--text3)">加载中...</span></div>
-        <div id="twofaSetupSection" style="display:none">
-          <p style="font-size:12px;color:var(--text2);margin-bottom:12px">请使用验证器应用扫描下方二维码：</p>
-          <div style="display:flex;justify-content:center;margin:16px 0"><img id="twofaQrCode" width="200" height="200" style="border:1px solid var(--border);border-radius:8px"></div>
-          <p style="font-size:11px;color:var(--text3);text-align:center;margin-bottom:12px">密钥：<code id="twofaSecret" style="background:#f5f5f7;padding:2px 6px;border-radius:4px;font-size:11px"></code></p>
-          <div style="display:flex;gap:8px;align-items:center"><input type="text" id="twofaSetupCode" placeholder="输入 6 位验证码" maxlength="6" style="flex:1"><button class="btn btn-main" style="flex:none;width:auto;padding:8px 16px;font-size:12px" onclick="verifyTwofaSetup()">确认启用</button></div>
-        </div>
-      </div>
-      <div class="btn-row">
-        <button class="btn btn-ghost" onclick="closeProfile()">取消</button>
-        <button class="btn btn-main" onclick="saveProfile()">保存</button>
-      </div>
-    </div>
-  </div>
-</div>
 </body>
 </html>