diff --git a/app/assets/styles/_id_.C-0--Lx-.css b/app/assets/styles/_id_.C-0--Lx-.css
index f95b2eb..4a46a05 100644
--- a/app/assets/styles/_id_.C-0--Lx-.css
+++ b/app/assets/styles/_id_.C-0--Lx-.css
@@ -312,6 +312,7 @@
   display: none;
 }
 .reply-upload[data-v-3743a20f] {
+  align-self: flex-start;
   color: var(--p-text-muted-color);
   cursor: pointer;
   border-radius: 3px;
diff --git a/app/assets/styles/finance.BkxKMno0.css b/app/assets/styles/finance.BkxKMno0.css
index e2c2431..624d963 100644
--- a/app/assets/styles/finance.BkxKMno0.css
+++ b/app/assets/styles/finance.BkxKMno0.css
@@ -199,6 +199,12 @@
   flex-basis: 100%;
   margin: 0;
 }
+.reminder-status[data-v-18fe1f08] {
+  flex-basis: 100%;
+  margin: 0;
+  color: var(--p-text-muted-color);
+  font-size: 0.875rem;
+}
 .panel.wallet-tabs[data-v-18fe1f08] {
   background: 0 0;
   border: 0;
diff --git a/app/pages/finance/index.vue b/app/pages/finance/index.vue
index 915cdd1..f0e5403 100644
--- a/app/pages/finance/index.vue
+++ b/app/pages/finance/index.vue
@@ -137,7 +137,13 @@ var je = {
         let _ = useApi(),
           x = useRoute(),
           S = useAuth(),
-          { rechargeClosed: Qe, load: C } = useSiteConfig_t(),
+          {
+            config: siteConfig,
+            error: siteConfigError,
+            on: configOn,
+            rechargeClosed: Qe,
+            load: C,
+          } = useSiteConfig_t(),
           { enabled: $e, load: w } = useWithdrawAvailability_t(),
           T = ref(20),
           E = ref(!1),
@@ -149,6 +155,19 @@ var je = {
           et = ref(!1),
           M = ref(null),
           N = ref(``);
+        // 只有站点明确开启时才允许修改；加载、缺项与失败均保留可见说明。
+        const reminderEnabled = computed(() =>
+          configOn(siteConfig.value?.balance_notice_show),
+        );
+        const reminderStatus = computed(() => {
+          if (!siteConfig.value)
+            return siteConfigError.value
+              ? `站点配置加载失败，暂时无法修改余额提醒。请刷新后重试。`
+              : `正在加载余额提醒配置…`;
+          if (siteConfig.value.balance_notice_show == null)
+            return `站点尚未提供余额提醒配置，暂时无法修改。`;
+          return reminderEnabled.value ? `` : `站点已关闭余额提醒。`;
+        });
         // 账户总览变化时同步余额提醒设置，仅回填本地草稿。
         function tt() {
           let e = S.overview;
@@ -161,6 +180,7 @@ var je = {
         });
         // 开启余额提醒必须填写正的有限阈值；关闭时发送零阈值，成功后同步账户总览。
         async function nt() {
+          if (A.value || !reminderEnabled.value) return;
           ((j.value = ``), (et.value = !1));
           let e = Number(k.value ?? 0);
           if (O.value && (!Number.isFinite(e) || e <= 0)) {
@@ -441,34 +461,34 @@ var je = {
           (S.refreshOverview(), Q(), X());
         }
         let Et = ref([]),
-          Dt = ref(0),
           Ot = ref(1),
           kt = ref(!1),
           $ = ref(``),
           freezeRequestVersion = 0;
-        // 冻结记录与其他流水遵守同一代次规则，旧请求不能改写结果、错误或加载状态。
+        // 冻结接口返回全量记录，由表格本地分页；旧请求不能改写新结果或加载状态。
         async function At() {
           if (disposed) return;
           let requestVersion = ++freezeRequestVersion;
           ((kt.value = !0), ($.value = ``));
           try {
-            let e = await _.get(`/account/credit/freeze`, {
-              page: Ot.value,
-              limit: T.value,
-            });
+            let e = await _.get(`/account/credit/freeze`);
             if (requestVersion !== freezeRequestVersion) return;
-            ((Et.value = e.list ?? []), (Dt.value = e.count ?? 0));
+            Et.value = e.list ?? [];
+            Ot.value = Math.min(
+              Ot.value,
+              Math.max(1, Math.ceil(Et.value.length / T.value)),
+            );
           } catch (e) {
             if (requestVersion !== freezeRequestVersion) return;
             (($.value = e instanceof Error ? e.message : `加载冻结记录失败`),
               (Et.value = []),
-              (Dt.value = 0));
+              (Ot.value = 1));
           } finally {
             requestVersion === freezeRequestVersion && (kt.value = !1);
           }
         }
         function jt(e) {
-          ((Ot.value = e.page + 1), (T.value = e.rows), At());
+          ((Ot.value = e.page + 1), (T.value = e.rows));
         }
         return (
           // 与共用列表加载器一致：销毁后拒绝新读取，并作废各列表全部在途响应。
@@ -699,7 +719,7 @@ var je = {
                         "onUpdate:modelValue": (n[2] ||= (e) =>
                           isRef(O) ? (O.value = e) : null),
                         inputId: `credit-reminder-enabled`,
-                        disabled: unref(A),
+                        disabled: unref(A) || !unref(reminderEnabled),
                       },
                       null,
                       8,
@@ -725,7 +745,8 @@ var je = {
                         minFractionDigits: 2,
                         maxFractionDigits: 2,
                         suffix: ` 元`,
-                        disabled: !unref(O) || unref(A),
+                        disabled:
+                          !unref(O) || unref(A) || !unref(reminderEnabled),
                       },
                       null,
                       8,
@@ -737,13 +758,22 @@ var je = {
                         label: `保存`,
                         icon: `pi pi-check`,
                         loading: unref(A),
+                        disabled: unref(A) || !unref(reminderEnabled),
                         onClick: nt,
                       },
                       null,
                       8,
-                      [`loading`],
+                      [`loading`, `disabled`],
                     ),
                   ]),
+                  unref(reminderStatus)
+                    ? createElementVNode(
+                        `p`,
+                        { class: `reminder-status`, role: `status` },
+                        toDisplayString(unref(reminderStatus)),
+                        1,
+                      )
+                    : createCommentVNode(``, !0),
                   unref(j)
                     ? (openBlock(),
                       createBlock(
@@ -1791,10 +1821,8 @@ var je = {
                                     {
                                       value: unref(Et),
                                       loading: unref(kt),
-                                      lazy: ``,
                                       paginator: ``,
                                       rows: unref(T),
-                                      totalRecords: unref(Dt),
                                       first: (unref(Ot) - 1) * unref(T),
                                       rowsPerPageOptions: [20, 50, 100],
                                       dataKey: `id`,
diff --git a/app/pages/tickets/[id].vue b/app/pages/tickets/[id].vue
index 67d27a5..1d8abc4 100644
--- a/app/pages/tickets/[id].vue
+++ b/app/pages/tickets/[id].vue
@@ -4,7 +4,6 @@
  */
 import { definePageMeta } from "#imports";
 import "~/assets/styles/TicketAttachments.DtbJGLkE.css";
-import "~/assets/styles/RichTextEditor.NkmgPT5m.css";
 import "~/assets/styles/_id_.C-0--Lx-.css";
 definePageMeta({
   key: (e) => e.fullPath,
@@ -19,7 +18,6 @@ import { ref } from "vue";
 import { withCtx } from "vue";
 import { createCommentVNode } from "vue";
 import { computed } from "vue";
-import { isRef } from "vue";
 import { createElementBlock } from "vue";
 import { Fragment } from "vue";
 import { createElementVNode } from "vue";
@@ -38,7 +36,7 @@ import message from "openvue/message";
 import { r as dict_r } from "~/lib/dict.js";
 import skeleton from "openvue/skeleton";
 import { n as sanitize_n } from "~/lib/sanitize.js";
-import RichTextEditor from "~/components/RichTextEditor.vue";
+import textarea from "openvue/textarea";
 import { n as ticketAttachments_n } from "~/lib/ticketAttachments.js";
 import TicketAttachments from "~/components/TicketAttachments.vue";
 import TicketNotice from "~/components/TicketNotice.vue";
@@ -84,12 +82,10 @@ var le = {
   k = {
     class: `time`,
   },
-  A = [`innerHTML`],
   j = {
     key: 0,
     class: `message-quote`,
   },
-  M = [`innerHTML`],
   N = {
     class: `reply-box`,
   },
@@ -98,7 +94,6 @@ var le = {
     class: `reply-quote`,
     role: `status`,
   },
-  F = [`innerHTML`],
   I = {
     class: `reply-attachments`,
   },
@@ -173,6 +168,7 @@ var le = {
                 {
                   id: 0,
                   content: e.content,
+                  content_format: e.content_format,
                   attachment: e.attachment || [],
                   create_time: e.create_time,
                   type: `Client`,
@@ -235,13 +231,26 @@ var le = {
         function Ce(e) {
           e.id > 0 && canOperate.value && (Y.value = e.id);
         }
-        // 引用已删除时明确提示；否则优先用服务端引用快照，再从当前对话寻找原文。
+        // 正文和引用共用格式边界：纯文本不经过 HTML 解码，历史富文本继续净化。
+        function contentProps(item) {
+          return item?.content_format === `text`
+            ? {
+                textContent: String(item.content ?? ``),
+                style: { whiteSpace: `pre-wrap`, overflowWrap: `anywhere` },
+              }
+            : { innerHTML: sanitize_n(item?.content) };
+        }
+        // 引用快照保留服务端格式；删除提示或缺失提示明确使用纯文本。
         function we(e) {
-          return Number(e.quote_info?.is_deleted) === 1
-            ? `该回复已删除`
-            : e.quote_info?.content ||
-                Z.value.find((t) => t.id === e.quote_reply_id)?.content ||
-                `原回复 #${e.quote_reply_id}（内容暂不可用）`;
+          if (Number(e.quote_info?.is_deleted) === 1)
+            return { content: `该回复已删除`, content_format: `text` };
+          if (typeof e.quote_info?.content === `string`) return e.quote_info;
+          return (
+            Z.value.find((t) => t.id === e.quote_reply_id) || {
+              content: `原回复 #${e.quote_reply_id}（内容暂不可用）`,
+              content_format: `text`,
+            }
+          );
         }
         // 引用发送者优先来自引用快照，缺失时回查当前对话。
         function Te(e) {
@@ -273,7 +282,7 @@ var le = {
             G.value = !0;
             try {
               await z.post(`/ticket/${B}/reply`, {
-                content: W.value.trim(),
+                content: W.value,
                 attachment: q.value.map((e) => e.save_name),
                 quote_reply_id: Y.value,
               });
@@ -320,7 +329,7 @@ var le = {
         }
         return (
           onMounted(X),
-          // 对话按时间展示并使用公共 HTML 清理与附件解析；引用删除有独立文案，只读工单不开放回复编辑。
+          // 对话遵循服务端内容格式；客户回复使用纯文本，只读工单不开放编辑。
           (n, a) => {
             let c = TicketNotice,
               m = NuxtLink,
@@ -328,7 +337,7 @@ var le = {
               v = message,
               y = button,
               S = TicketAttachments,
-              C = RichTextEditor;
+              C = textarea;
             return (
               openBlock(),
               createElementBlock(`div`, le, [
@@ -513,13 +522,10 @@ var le = {
                                             `div`,
                                             {
                                               class: `message-body`,
-                                              innerHTML: (`sanitizeHtml` in n
-                                                ? n.sanitizeHtml
-                                                : unref(sanitize_n))(t.content),
+                                              ...contentProps(t),
                                             },
                                             null,
-                                            8,
-                                            A,
+                                            16,
                                           ),
                                           t.quote_reply_id
                                             ? (openBlock(),
@@ -535,16 +541,10 @@ var le = {
                                                 createElementVNode(
                                                   `div`,
                                                   {
-                                                    innerHTML:
-                                                      (`sanitizeHtml` in n
-                                                        ? n.sanitizeHtml
-                                                        : unref(sanitize_n))(
-                                                        we(t),
-                                                      ),
+                                                    ...contentProps(we(t)),
                                                   },
                                                   null,
-                                                  8,
-                                                  M,
+                                                  16,
                                                 ),
                                                 createVNode(
                                                   S,
@@ -608,15 +608,10 @@ var le = {
                                         createElementVNode(
                                           `div`,
                                           {
-                                            innerHTML: (`sanitizeHtml` in n
-                                              ? n.sanitizeHtml
-                                              : unref(sanitize_n))(
-                                              unref($).content,
-                                            ),
+                                            ...contentProps(unref($)),
                                           },
                                           null,
-                                          8,
-                                          F,
+                                          16,
                                         ),
                                       ]),
                                       createVNode(y, {
@@ -635,50 +630,43 @@ var le = {
                                   {
                                     modelValue: unref(W),
                                     "onUpdate:modelValue": (a[1] ||= (e) =>
-                                      isRef(W) ? (W.value = e) : null),
-                                    label: `回复内容`,
-                                    "min-height": 140,
+                                      (W.value = e)),
+                                    "aria-label": `回复内容`,
+                                    rows: 6,
+                                    autoResize: true,
+                                    fluid: true,
                                     placeholder: `输入回复内容…`,
-                                    disabled: !unref(canOperate),
-                                  },
-                                  {
-                                    "toolbar-end": withCtx(() => [
-                                      createElementVNode(`label`, L, [
-                                        (a[3] ||= createElementVNode(
-                                          `i`,
-                                          {
-                                            class: `pi pi-paperclip`,
-                                          },
-                                          null,
-                                          -1,
-                                        )),
-                                        (a[4] ||= createTextVNode(
-                                          `添加附件`,
-                                          -1,
-                                        )),
-                                        createElementVNode(
-                                          `input`,
-                                          {
-                                            id: `reply-files`,
-                                            type: `file`,
-                                            multiple: ``,
-                                            disabled:
-                                              unref(G) ||
-                                              unref(J) ||
-                                              !unref(canOperate),
-                                            onChange: xe,
-                                          },
-                                          null,
-                                          40,
-                                          _e,
-                                        ),
-                                      ]),
-                                    ]),
-                                    _: 1,
+                                    disabled: !unref(canOperate) || unref(G),
                                   },
+                                  null,
                                   8,
                                   [`modelValue`, `disabled`],
                                 ),
+                                createElementVNode(`label`, L, [
+                                  (a[3] ||= createElementVNode(
+                                    `i`,
+                                    { class: `pi pi-paperclip` },
+                                    null,
+                                    -1,
+                                  )),
+                                  (a[4] ||= createTextVNode(`添加附件`, -1)),
+                                  createElementVNode(
+                                    `input`,
+                                    {
+                                      id: `reply-files`,
+                                      type: `file`,
+                                      multiple: ``,
+                                      disabled:
+                                        unref(G) ||
+                                        unref(J) ||
+                                        !unref(canOperate),
+                                      onChange: xe,
+                                    },
+                                    null,
+                                    40,
+                                    _e,
+                                  ),
+                                ]),
                                 createElementVNode(`div`, I, [
                                   unref(J)
                                     ? (openBlock(),
diff --git a/app/pages/tickets/create.vue b/app/pages/tickets/create.vue
index 9f73a82..3b4dd1e 100644
--- a/app/pages/tickets/create.vue
+++ b/app/pages/tickets/create.vue
@@ -1,8 +1,7 @@
 <script>
 /**
- * 创建工单：加载类型/部门及可选实例，上传附件后提交标题、富文本内容和关联实例；选项未就绪或附件仍上传时不提交。
+ * 创建工单：加载实际部门及可选实例，上传附件后提交标题、纯文本内容和关联实例；选项未就绪或附件仍上传时不提交。
  */
-import "~/assets/styles/RichTextEditor.NkmgPT5m.css";
 import "~/assets/styles/create.gX6gpD00.css";
 import { toDisplayString } from "vue";
 import { renderList } from "vue";
@@ -32,8 +31,7 @@ import message from "openvue/message";
 import radiobutton from "openvue/radiobutton";
 import inputtext from "openvue/inputtext";
 import { n as product_name_n } from "~/lib/product-name.js";
-import select from "openvue/select";
-import RichTextEditor from "~/components/RichTextEditor.vue";
+import textarea from "openvue/textarea";
 import TicketNotice from "~/components/TicketNotice.vue";
 import chip from "openvue/chip";
 import multiselect from "openvue/multiselect";
@@ -56,10 +54,6 @@ var le = {
   w = {
     class: `field`,
   },
-  T = {
-    key: 2,
-    class: `field`,
-  },
   E = {
     class: `field`,
   },
@@ -110,12 +104,10 @@ var le = {
         let b = useApi(),
           z = useRouter(),
           B = ref([]),
-          V = ref([]),
           H = ref([]),
           U = reactive({
             title: ``,
             ticket_type_id: null,
-            admin_role_id: null,
             host_ids: [],
             content: ``,
           }),
@@ -172,17 +164,14 @@ var le = {
         function ge(e) {
           W.value || X.value.splice(e, 1);
         }
-        // 类型/部门加载成功后再开放提交；实例可选列表分页读取，最多 100 页，实例查询失败不阻止无关联工单创建。
+        // 后端以 ticket_type_id 决定部门；实例查询失败不阻止无关联工单创建。
         async function Q() {
           if (isCurrent() && !K.value) {
             ((K.value = !0), (q.value = !1), (G.value = ``));
             try {
-              let [e, t] = await Promise.all([
-                b.get(`/ticket/type`),
-                b.get(`/ticket/department`),
-              ]);
+              let e = await b.get(`/ticket/type`);
               if (!isCurrent()) return;
-              ((B.value = e.list ?? []), (V.value = t.list ?? []));
+              B.value = e.list ?? [];
               try {
                 let e = [],
                   t = 1,
@@ -203,9 +192,7 @@ var le = {
                 if (!isCurrent()) return;
                 H.value = [];
               }
-              ((U.ticket_type_id = B.value[0]?.id ?? null),
-                (U.admin_role_id = V.value[0]?.id ?? null),
-                (q.value = !0));
+              ((U.ticket_type_id = B.value[0]?.id ?? null), (q.value = !0));
             } catch (e) {
               if (!isCurrent()) return;
               G.value =
@@ -230,9 +217,8 @@ var le = {
             try {
               let e = await b.post(`/ticket`, {
                 title: U.title.trim(),
-                content: U.content.trim(),
+                content: U.content,
                 ticket_type_id: U.ticket_type_id,
-                admin_role_id: U.admin_role_id,
                 host_ids: U.host_ids,
                 attachment: X.value.map((e) => e.save_name),
               });
@@ -248,16 +234,15 @@ var le = {
         }
         return (
           onMounted(Q),
-          // 类型/部门选项就绪且附件上传完成后才可创建；富文本编辑器与本地附件草稿共同组成提交内容。
+          // 部门选项就绪且附件上传完成后才可创建；正文按客户纯文本契约原样提交。
           (n, i) => {
             let s = TicketNotice,
               c = button,
               m = radiobutton,
               _ = inputtext,
-              y = select,
               b = chip,
               z = multiselect,
-              J = RichTextEditor,
+              J = textarea,
               Y = message,
               _e = NuxtLink;
             return (
@@ -303,7 +288,7 @@ var le = {
                           (i[5] ||= createElementVNode(
                             `legend`,
                             null,
-                            `工单类型`,
+                            `工单部门`,
                             -1,
                           )),
                           (openBlock(!0),
@@ -377,36 +362,6 @@ var le = {
                             [`modelValue`],
                           ),
                         ]),
-                        unref(V).length > 1
-                          ? (openBlock(),
-                            createElementBlock(`div`, T, [
-                              (i[7] ||= createElementVNode(
-                                `label`,
-                                {
-                                  for: `department`,
-                                },
-                                `服务部门`,
-                                -1,
-                              )),
-                              createVNode(
-                                y,
-                                {
-                                  "input-id": `department`,
-                                  modelValue: unref(U).admin_role_id,
-                                  "onUpdate:modelValue": (i[2] ||= (e) =>
-                                    (unref(U).admin_role_id = e)),
-                                  options: unref(V),
-                                  optionLabel: `name`,
-                                  optionValue: `id`,
-                                  disabled: !unref(q),
-                                  fluid: ``,
-                                },
-                                null,
-                                8,
-                                [`modelValue`, `options`, `disabled`],
-                              ),
-                            ]))
-                          : createCommentVNode(``, !0),
                         createElementVNode(`div`, E, [
                           (i[8] ||= createElementVNode(
                             `label`,
@@ -517,7 +472,9 @@ var le = {
                               modelValue: unref(U).content,
                               "onUpdate:modelValue": (i[4] ||= (e) =>
                                 (unref(U).content = e)),
-                              label: `工单内容`,
+                              rows: 8,
+                              autoResize: true,
+                              fluid: true,
                               placeholder: `请描述问题、复现步骤和报错信息`,
                               disabled: unref(W),
                             },
diff --git a/app/pages/tickets/ticket.vue b/app/pages/tickets/ticket.vue
index 4a6110e..ad03446 100644
--- a/app/pages/tickets/ticket.vue
+++ b/app/pages/tickets/ticket.vue
@@ -4,7 +4,6 @@
  */
 import { definePageMeta } from "#imports";
 import "~/assets/styles/TicketAttachments.DtbJGLkE.css";
-import "~/assets/styles/RichTextEditor.NkmgPT5m.css";
 import "~/assets/styles/_id_.C-0--Lx-.css";
 definePageMeta({
   key: (route) => route.fullPath,
diff --git a/tests/review-page-contracts.e2e.test.mjs b/tests/review-page-contracts.e2e.test.mjs
new file mode 100644
index 0000000..ceb4228
--- /dev/null
+++ b/tests/review-page-contracts.e2e.test.mjs
@@ -0,0 +1,423 @@
+/** 工单内容/部门与账务分页/能力开关的契约回归；只控制本地 HTTP 边界。 */
+import assert from "node:assert/strict";
+import { test } from "node:test";
+import {
+  appOrigin,
+  backendOrigin,
+  eventually,
+  login,
+  scenario,
+} from "./helpers/console-browser.mjs";
+
+async function reply(route, data) {
+  return route.fulfill({
+    json: { status: 200, msg: "", data },
+    headers: { "Access-Control-Allow-Origin": appOrigin },
+  });
+}
+
+async function financeLists(page) {
+  const paths = [
+    "/transaction",
+    "/credit",
+    "/withdraw",
+    "/order",
+    "/refund/pending/amount",
+    "/account/credit/freeze",
+  ];
+  await page.route(
+    (url) =>
+      url.origin === backendOrigin &&
+      paths.includes(url.pathname.replace("/console/v1", "")),
+    (route) =>
+      reply(
+        route,
+        new URL(route.request().url()).pathname.endsWith(
+          "/refund/pending/amount",
+        )
+          ? { amount: "0.00" }
+          : { list: [], count: 0, total_amount: "0.00" },
+      ),
+  );
+}
+
+function ticket(content, replies = []) {
+  return {
+    id: 23,
+    ticket_num: "LOCAL-23",
+    title: "内容契约验收",
+    content,
+    content_format: "text",
+    attachment: [],
+    replies,
+    status: "待回复",
+    can_operate: 1,
+    create_time: 1730000000,
+    username: "audit-user",
+    client_id: 1,
+    color: "#777",
+  };
+}
+
+test(
+  "ticket creation submits literal text and its one effective department",
+  { timeout: 30000 },
+  (t) =>
+    scenario(t, { loginMode: "password-only" }, async (page) => {
+      const content = "  <b>用户代码</b>\n  第二行 &lt;tag&gt;\n尾行  ";
+      const writes = [];
+      await page.route(
+        (url) =>
+          url.origin === backendOrigin &&
+          url.pathname.startsWith("/console/v1/ticket"),
+        async (route) => {
+          const request = route.request();
+          const path = new URL(request.url()).pathname.replace(
+            "/console/v1",
+            "",
+          );
+          if (path === "/ticket/config")
+            return reply(route, { ticket_notice_open: 0 });
+          if (["/ticket/type", "/ticket/department"].includes(path))
+            return reply(route, {
+              list: [
+                { id: 1, name: "账务支持" },
+                { id: 2, name: "网络支持" },
+              ],
+            });
+          if (path === "/ticket" && request.method() === "POST") {
+            writes.push(request.postDataJSON());
+            return reply(route, { id: 23 });
+          }
+          if (path === "/ticket/23")
+            return reply(route, { ticket: ticket(content) });
+          return route.fallback();
+        },
+      );
+      await login(page, "/tickets/create");
+      await page.getByRole("radio", { name: "网络支持", exact: true }).check();
+      await page
+        .getByRole("textbox", { name: "工单标题", exact: true })
+        .fill("内容契约验收");
+      await page
+        .getByRole("textbox", { name: "工单内容", exact: true })
+        .fill(content);
+      await page.getByRole("button", { name: "创建工单", exact: true }).click();
+      await eventually(
+        () => writes,
+        (rows) => rows.length === 1,
+        "工单必须提交一次",
+      );
+      assert.equal(writes[0].ticket_type_id, 2);
+      assert.equal(writes[0].content, content);
+      assert.equal(Object.hasOwn(writes[0], "admin_role_id"), false);
+      await page.waitForURL((url) => url.pathname === "/tickets/23");
+      assert.equal(
+        await page.locator(".message-body").first().textContent(),
+        content,
+      );
+      return {
+        effectiveDepartment: 2,
+        contentKeptLiteral: true,
+        createdTickets: 1,
+      };
+    }),
+);
+
+test(
+  "ticket text, historical HTML, reply snapshots and reply drafts retain their declared format",
+  { timeout: 30000 },
+  (t) =>
+    scenario(t, { loginMode: "password-only" }, async (page) => {
+      const initial = "  <b>字面代码</b>\n  空格 &lt;tag&gt;";
+      const quoted = "<i>字面引用</i>\n下一行";
+      const replies = [
+        {
+          id: 11,
+          content: quoted,
+          content_format: "text",
+          type: "Client",
+          client_name: "audit-user",
+          create_time: 1730000001,
+        },
+        {
+          id: 12,
+          content: "<strong>历史客服排版</strong>",
+          content_format: "html",
+          type: "Admin",
+          admin_name: "本地客服",
+          create_time: 1730000002,
+        },
+        {
+          id: 13,
+          content: "快照回复",
+          content_format: "text",
+          type: "Client",
+          client_name: "audit-user",
+          create_time: 1730000003,
+          quote_reply_id: 11,
+          quote_info: {
+            content: quoted,
+            content_format: "text",
+            sender_name: "audit-user",
+            attachment: [],
+          },
+        },
+      ];
+      const data = ticket(initial, replies);
+      const writes = [];
+      await page.route(
+        (url) =>
+          url.origin === backendOrigin &&
+          url.pathname.startsWith("/console/v1/ticket/"),
+        async (route) => {
+          const request = route.request();
+          const path = new URL(request.url()).pathname.replace(
+            "/console/v1",
+            "",
+          );
+          if (path === "/ticket/config")
+            return reply(route, { ticket_notice_open: 0 });
+          if (path === "/ticket/23") return reply(route, { ticket: data });
+          if (path === "/ticket/23/reply") {
+            const body = request.postDataJSON();
+            writes.push(body);
+            data.replies.push({
+              id: 14,
+              ...body,
+              content_format: "text",
+              type: "Client",
+              client_name: "audit-user",
+              create_time: 1730000004,
+              quote_info: {
+                content: quoted,
+                content_format: "text",
+                sender_name: "audit-user",
+              },
+            });
+            return reply(route, {});
+          }
+          return route.fallback();
+        },
+      );
+      await login(page, "/tickets/23");
+      const messages = page.locator(".thread .message");
+      await messages.nth(3).waitFor();
+      const first = messages.first().locator(".message-body");
+      assert.equal(await first.textContent(), initial);
+      assert.equal(await first.locator("b").count(), 0);
+      assert.equal(
+        await first.evaluate((node) => getComputedStyle(node).whiteSpace),
+        "pre-wrap",
+      );
+      assert.equal(
+        await messages.nth(2).locator(".message-body strong").textContent(),
+        "历史客服排版",
+      );
+      assert.equal(
+        await messages.nth(3).locator(".message-quote div").textContent(),
+        quoted,
+      );
+      assert.equal(
+        await messages.nth(3).locator(".message-quote i").count(),
+        0,
+      );
+      await messages
+        .nth(1)
+        .getByRole("button", { name: "引用", exact: true })
+        .click();
+      assert.equal(
+        await page.locator(".reply-quote > div > div").textContent(),
+        quoted,
+      );
+      const draft = "  <script>字面错误日志</script>\n  保留缩进  ";
+      await page
+        .getByRole("textbox", { name: "回复内容", exact: true })
+        .fill(draft);
+      await page.getByRole("button", { name: "提交回复", exact: true }).click();
+      await eventually(
+        () => writes,
+        (rows) => rows.length === 1,
+        "回复必须提交一次",
+      );
+      assert.equal(writes[0].content, draft);
+      assert.equal(writes[0].quote_reply_id, 11);
+      await messages.nth(4).waitFor();
+      assert.equal(
+        await messages.nth(4).locator(".message-body").textContent(),
+        draft,
+      );
+      return {
+        textAndSnapshotsKeptLiteral: true,
+        historicalHtmlRendered: true,
+        replyKeptWhitespace: true,
+        quotedReply: 11,
+      };
+    }),
+);
+
+test(
+  "full freeze lists paginate locally without duplicate rows or extra reads",
+  { timeout: 30000 },
+  (t) =>
+    scenario(t, { loginMode: "password-only" }, async (page) => {
+      await financeLists(page);
+      let reads = 0;
+      const list = Array.from({ length: 21 }, (_, index) => ({
+        id: index + 1,
+        amount: "10.00",
+        client_notes: `冻结记录-${index + 1}`,
+        create_time: 1730000000,
+      }));
+      await page.route(
+        (url) =>
+          url.origin === backendOrigin &&
+          url.pathname === "/console/v1/account/credit/freeze",
+        (route) => {
+          reads++;
+          return reply(route, { list, count: list.length });
+        },
+      );
+      await login(page, "/finance?tab=freeze");
+      const panel = page.getByRole("tabpanel").filter({ visible: true });
+      await panel.getByText("冻结记录-1", { exact: true }).waitFor();
+      assert.equal(await panel.locator("tbody tr").count(), 20);
+      await panel.locator(".p-paginator-next").click();
+      await panel.getByText("冻结记录-21", { exact: true }).waitFor();
+      assert.equal(await panel.locator("tbody tr").count(), 1);
+      assert.equal(
+        await panel.getByText("冻结记录-1", { exact: true }).count(),
+        0,
+      );
+      assert.equal(reads, 1);
+      return { firstPageRows: 20, secondPageRows: 1, totalReads: reads };
+    }),
+);
+
+for (const mode of ["enabled", "disabled", "missing", "failure"]) {
+  test(
+    `balance reminders follow the ${mode} site capability`,
+    { timeout: 30000 },
+    (t) =>
+      scenario(t, { loginMode: "password-only" }, async (page) => {
+        const writes = [];
+        await financeLists(page);
+        // 配置失败场景先经真实表单建立会话，再整页刷新触发新的公共配置读取。
+        if (mode === "failure") await login(page, "/finance");
+        await page.route(
+          (url) =>
+            url.origin === backendOrigin &&
+            url.pathname === "/console/v1/common",
+          async (route) => {
+            if (mode === "failure")
+              return route.fulfill({
+                json: { status: 400, msg: "本地配置暂不可用", data: {} },
+                headers: { "Access-Control-Allow-Origin": appOrigin },
+              });
+            const response = await route.fetch();
+            const payload = await response.json();
+            if (mode === "missing") delete payload.data.balance_notice_show;
+            else payload.data.balance_notice_show = mode === "enabled" ? 1 : 0;
+            return route.fulfill({ response, json: payload });
+          },
+        );
+        await page.route(
+          (url) =>
+            url.origin === backendOrigin &&
+            url.pathname === "/console/v1/account/credit/remind",
+          (route) => {
+            writes.push(route.request().postDataJSON());
+            return reply(route, {});
+          },
+        );
+        if (mode === "failure") await page.goto(`${appOrigin}/finance`);
+        else await login(page, "/finance");
+        const panel = page.locator(".reminder-panel");
+        const save = panel.getByRole("button", { name: "保存", exact: true });
+        await save.waitFor();
+        if (mode === "enabled") {
+          await panel.locator("#credit-reminder-enabled").check();
+          await panel.locator("#credit-reminder-amount").fill("25.00");
+          await save.click();
+          await eventually(
+            () => writes,
+            (rows) => rows.length === 1,
+            "开启能力后可保存提醒",
+          );
+          assert.deepEqual(writes[0], {
+            credit_remind: 1,
+            credit_remind_amount: 25,
+          });
+        } else {
+          assert.equal(await save.isDisabled(), true);
+          assert.equal(
+            await panel.locator("#credit-reminder-enabled").isDisabled(),
+            true,
+          );
+          assert.equal(
+            await panel.locator("#credit-reminder-amount").isDisabled(),
+            true,
+          );
+          assert.equal(await panel.getByRole("status").isVisible(), true);
+          assert.equal(writes.length, 0);
+        }
+        return {
+          capability: mode,
+          saved: mode === "enabled",
+          writes: writes.length,
+        };
+      }),
+  );
+}
+
+test(
+  "balance reminders stay disabled while a failed startup configuration is being reloaded",
+  { timeout: 30000 },
+  (t) =>
+    scenario(t, { loginMode: "password-only" }, async (page) => {
+      await financeLists(page);
+      await login(page, "/finance");
+      let reads = 0;
+      let release;
+      const held = new Promise((resolve) => {
+        release = resolve;
+      });
+      await page.route(
+        (url) =>
+          url.origin === backendOrigin && url.pathname === "/console/v1/common",
+        async (route) => {
+          if (++reads === 1)
+            return route.fulfill({
+              json: { status: 400, msg: "本地首次配置读取失败", data: {} },
+              headers: { "Access-Control-Allow-Origin": appOrigin },
+            });
+          await held;
+          const response = await route.fetch();
+          const payload = await response.json();
+          payload.data.balance_notice_show = 1;
+          return route.fulfill({ response, json: payload });
+        },
+      );
+      try {
+        await page.goto(`${appOrigin}/finance`);
+        const panel = page.locator(".reminder-panel");
+        const save = panel.getByRole("button", { name: "保存", exact: true });
+        await save.waitFor();
+        assert.equal(await save.isDisabled(), true);
+        assert.equal(
+          await panel.locator("#credit-reminder-enabled").isDisabled(),
+          true,
+        );
+        assert.equal(await panel.getByRole("status").isVisible(), true);
+        release();
+        await eventually(
+          () => save.isEnabled(),
+          Boolean,
+          "配置确认开启后才允许保存",
+        );
+        return { pendingCapabilityDisabled: true, enabledAfterReload: true };
+      } finally {
+        release();
+      }
+    }),
+);
diff --git a/tests/review-routes.e2e.test.mjs b/tests/review-routes.e2e.test.mjs
index 47ca7c9..09e1d80 100644
--- a/tests/review-routes.e2e.test.mjs
+++ b/tests/review-routes.e2e.test.mjs
@@ -272,7 +272,7 @@ test(
       await page
         .getByRole("heading", { name: "审计工单2", exact: true })
         .waitFor();
-      assert.equal((await editor.innerText()).trim(), "");
+      assert.equal(await editor.inputValue(), "");
       await editor.fill("第二张工单的回复");
       await page.getByRole("button", { name: "提交回复", exact: true }).click();
       await eventually(
@@ -289,7 +289,7 @@ test(
       await page
         .getByRole("button", { name: "关闭工单", exact: true })
         .waitFor({ state: "hidden" });
-      assert.equal(await editor.getAttribute("contenteditable"), "false");
+      assert.equal(await editor.isEditable(), false);
       assert.equal(await page.locator("#reply-files").isDisabled(), true);
       assert.equal(
         await page
@@ -404,7 +404,7 @@ for (const [routePath, status] of [
           name: "回复内容",
           exact: true,
         });
-        assert.equal(await editor.getAttribute("contenteditable"), "false");
+        assert.equal(await editor.isEditable(), false);
         assert.equal(await page.locator("#reply-files").isDisabled(), true);
         assert.equal(
           await page