diff --git a/src/pages/base/jc/bm.vue b/src/pages/base/jc/bm.vue
index 3284fa1..b5c3da3 100644
--- a/src/pages/base/jc/bm.vue
+++ b/src/pages/base/jc/bm.vue
@@ -28,28 +28,39 @@
             :class="{ 
               'jc-bz-item-disabled': jcBz.paidStatus === 'paid'
             }"
-            @click="handleJcBzClick(jcBz)"
           >
-            <view class="jc-bz-info">
-              <view class="jc-bz-content">
-                <view class="jc-bz-name">{{ jcBz.bzMc || '暂无标准名称' }}</view>
-                <view class="jc-bz-price">
-                  价格：<text class="price-value">¥{{ jcBz.bzJe || 0 }}</text>
-                </view>
-                <view class="jc-bz-desc">{{ jcBz.bzSm || '暂无描述' }}</view>
-                
-                <!-- 显示更多详细信息 -->
-                <view class="jc-bz-details">
-                  <view class="detail-item" v-if="jcBz.jfKsSj">
-                    <text class="detail-label">缴费开始：</text>
-                    <text class="detail-value">{{ jcBz.jfKsSj }}</text>
+            <view class="jc-bz-row">
+              <view class="jc-bz-info" @click="handleJcBzClick(jcBz)">
+                <view class="jc-bz-content">
+                  <view class="jc-bz-name">{{ jcBz.bzMc || '暂无标准名称' }}</view>
+                  <view class="jc-bz-price">
+                    价格：<text class="price-value">¥{{ jcBz.bzJe || 0 }}</text>
                   </view>
-                  <view class="detail-item" v-if="jcBz.jfJsSj">
-                    <text class="detail-label">缴费结束：</text>
-                    <text class="detail-value">{{ jcBz.jfJsSj }}</text>
+                  <view class="jc-bz-desc">{{ jcBz.bzSm || '暂无描述' }}</view>
+                  
+                  <!-- 显示更多详细信息 -->
+                  <view class="jc-bz-details">
+                    <view class="detail-item" v-if="jcBz.jfKsSj">
+                      <text class="detail-label">缴费开始：</text>
+                      <text class="detail-value">{{ jcBz.jfKsSj }}</text>
+                    </view>
+                    <view class="detail-item" v-if="jcBz.jfJsSj">
+                      <text class="detail-label">缴费结束：</text>
+                      <text class="detail-value">{{ jcBz.jfJsSj }}</text>
+                    </view>
                   </view>
                 </view>
               </view>
+              <view class="jc-bz-side" @click.stop>
+                <view
+                  v-if="jcBz.paidStatus === 'unpaid' || jcBz.paidStatus === 'notApplied'"
+                  class="pay-btn"
+                  @click="handlePayClick(jcBz)"
+                >
+                  点击缴费
+                </view>
+                <text v-else-if="jcBz.paidStatus === 'paid'" class="paid-tag">已缴费</text>
+              </view>
             </view>
           </view>
         </view>
@@ -59,7 +70,6 @@
           <text>暂无就餐标准</text>
         </view>
         
-        <BasicSign ref="signCompRef" title="签名"></BasicSign>
       </view>
     </view>
     
@@ -73,14 +83,11 @@
 
 <script setup lang="ts">
 import XsPicker from "@/pages/base/components/XsPicker/index.vue"
-import BasicSign from "@/components/BasicSign/Sign.vue"
 import { useUserStore } from "@/store/modules/user";
 import { useDataStore } from "@/store/modules/data";
 import { checkXsJcBmApi, jcXsBmJcApi } from "@/api/base/jcApi";
 import { JC_PAY_REDIRECT_URL } from "@/config";
 
-const signCompRef = ref<any>(null);
-
 const { getCurXs, getUser } = useUserStore();
 const { getJc, setJc, setJcBz, setData } = useDataStore();
 
@@ -152,23 +159,25 @@ const getJcBzList = async () => {
   }
 };
 
-// 处理就餐标准点击
+// 处理就餐标准点击（左侧区域）
 const handleJcBzClick = (jcBz: any) => {
-  // 已缴费的标准不能选择
   if (jcBz.paidStatus === 'paid') {
     uni.showToast({
-      title: '该标准已缴费，无法重复选择',
+      title: '已缴费成功！',
       icon: 'none'
     });
     return;
   }
+  handlePayClick(jcBz);
+};
 
-  // 根据状态处理不同逻辑
+/** 右侧「点击缴费」：未报名先无签名报名再跳转支付；已报名未缴费直接跳转支付 */
+const handlePayClick = (jcBz: any) => {
+  if (jcBz.paidStatus === 'paid') return;
   if (jcBz.paidStatus === 'unpaid') {
-    // 未缴费，直接跳转到收款码页面
     navigateToPayment(jcBz);
   } else if (jcBz.paidStatus === 'notApplied') {
-    goToQrCode(jcBz);
+    submitBmWithoutSign(jcBz);
   }
 };
 
@@ -187,14 +196,8 @@ const navigateToPayment = (jcBz: any) => {
   }
 };
 
-// 跳转到收款码页面
-const goToQrCode = async (jcBz: any) => {
-  // 显示加载中
-  const data = await signCompRef.value.getSyncSignature();
-  if (!data) {
-    console.log("没有签名，或者取消了");
-    return;
-  }
+// 未报名：无签名提交报名，成功后跳转支付（与已报名未缴费最终一致）
+const submitBmWithoutSign = async (jcBz: any) => {
   uni.showLoading({
     title: '报名中...'
   });
@@ -209,12 +212,12 @@ const goToQrCode = async (jcBz: any) => {
       xm: curXs.value.xm,
       bzId: jcBz.id,
       jzId: getUser.jzId,
-      qmFile: data.base64 || '', // 签名文件
+      qmFile: '',
       bjId: curXs.value.bjId,
       bjmc: curXs.value.bjmc
     };
     const res = await jcXsBmJcApi(params);
-    
+
     if (res.resultCode === 1) {
       uni.hideLoading();
       setTimeout(() => {
@@ -223,21 +226,9 @@ const goToQrCode = async (jcBz: any) => {
           icon: 'success'
         });
       }, 500);
-      // 更新状态为未支付
       jcBz.paidStatus = 'unpaid';
-      // 保存当前选中的标准到store
       setJcBz(jcBz);
-      // 报名成功后直接跳转支付链接（链接后续可改为动态配置）
-      const payUrl = JC_PAY_REDIRECT_URL;
-      try {
-        if (typeof (window as any).plus !== 'undefined' && (window as any).plus.runtime?.openURL) {
-          (window as any).plus.runtime.openURL(payUrl);
-        } else {
-          window.location.href = payUrl;
-        }
-      } catch (_e) {
-        window.location.href = payUrl;
-      }
+      navigateToPayment(jcBz);
     } else {
       uni.hideLoading();
       setTimeout(() => {
@@ -332,9 +323,17 @@ onMounted(() => {
     &.jc-bz-item-disabled {
       opacity: 0.6;
     }
+
+    .jc-bz-row {
+      display: flex;
+      flex-direction: row;
+      align-items: stretch;
+    }
     
     .jc-bz-info {
       display: flex;
+      flex: 1;
+      min-width: 0;
       
       .jc-bz-content {
         flex: 1;
@@ -398,14 +397,32 @@ onMounted(() => {
           }
         }
       }
-      
-      .selection-indicator {
-        display: flex;
-        align-items: center;
-        justify-content: center;
-        width: 30px;
-        margin-left: 10px;
-      }
+    }
+
+    .jc-bz-side {
+      flex-shrink: 0;
+      display: flex;
+      align-items: center;
+      justify-content: center;
+      padding-left: 12px;
+      margin-left: 4px;
+    }
+
+    .pay-btn {
+      padding: 8px 14px;
+      background: linear-gradient(135deg, #ff8c42, #ff6b00);
+      color: #fff;
+      font-size: 13px;
+      font-weight: 500;
+      border-radius: 20px;
+      white-space: nowrap;
+      box-shadow: 0 2px 8px rgba(255, 107, 0, 0.35);
+    }
+
+    .paid-tag {
+      font-size: 12px;
+      color: #67c23a;
+      white-space: nowrap;
     }
   }
 }
diff --git a/src/pages/base/jl/detailwb.vue b/src/pages/base/jl/detailwb.vue
index f2ce7c2..985a54b 100644
--- a/src/pages/base/jl/detailwb.vue
+++ b/src/pages/base/jl/detailwb.vue
@@ -100,28 +100,41 @@
     <!-- 添加签名组件 - 只在需要时显示 -->
     <BasicSign v-if="showSignature" ref="signCompRef" :title="signTitle"></BasicSign>
     <template #bottom>
-      <view class="bottom-actions">
-        <button 
-          v-if="!relaySuccess" 
-          class="action-btn publish-btn" 
-          @click="onRelayClick"
-        >
-          接龙
-        </button>
-        <button 
-          v-else 
-          class="action-btn return-btn" 
-          @click="handleReturn"
-        >
-          返回
-        </button>
+      <view class="bottom-slot-wrap">
+        <transition name="finger-fade">
+          <view
+            v-if="!isLoading && !relaySuccess && showFingerHint"
+            class="finger-float"
+            aria-hidden="true"
+          >
+            <text class="finger-text">👆</text>
+          </view>
+        </transition>
+        <view class="bottom-bar">
+          <view class="bottom-actions">
+            <button 
+              v-if="!relaySuccess" 
+              class="action-btn publish-btn" 
+              @click="onRelayClick"
+            >
+              点击接龙
+            </button>
+            <button 
+              v-else 
+              class="action-btn return-btn" 
+              @click="handleReturn"
+            >
+              返回
+            </button>
+          </view>
+        </view>
       </view>
     </template>
   </BasicLayout>
 </template>
 
 <script lang="ts" setup>
-import { ref, computed, watch, nextTick } from "vue";
+import { ref, computed, watch, nextTick, onUnmounted } from "vue";
 import { onLoad } from "@dcloudio/uni-app";
 import { getByJlIdApi, jlzxFindByJlParamsApi, relayFinishApi } from "@/api/base/server";
 import { imagUrl } from "@/utils";
@@ -133,7 +146,7 @@ const noticeId = ref<string>("");
 const noticeDetail = ref<any>(null);
 const isLoading = ref(false);
 const studentList = ref<any[]>([]);
-const descExpanded = ref(false);
+const descExpanded = ref(true);
 
 // 新增参数
 const njId = ref<string>("");
@@ -148,6 +161,42 @@ const selectedOption = ref<string>("");
 // 接龙成功状态
 const relaySuccess = ref<boolean>(false);
 
+/** 底部手指提示：加载完成后浮动展示，5 秒后淡出隐藏 */
+const showFingerHint = ref(false);
+const fingerDismissScheduled = ref(false);
+let fingerHideTimer: ReturnType<typeof setTimeout> | null = null;
+
+function clearFingerTimer() {
+  if (fingerHideTimer != null) {
+    clearTimeout(fingerHideTimer);
+    fingerHideTimer = null;
+  }
+}
+
+watch(isLoading, (loading) => {
+  if (loading) return;
+  if (relaySuccess.value) return;
+  if (fingerDismissScheduled.value) return;
+  fingerDismissScheduled.value = true;
+  showFingerHint.value = true;
+  clearFingerTimer();
+  fingerHideTimer = setTimeout(() => {
+    showFingerHint.value = false;
+    fingerHideTimer = null;
+  }, 5000);
+});
+
+onUnmounted(() => {
+  clearFingerTimer();
+});
+
+watch(relaySuccess, (ok) => {
+  if (ok) {
+    clearFingerTimer();
+    showFingerHint.value = false;
+  }
+});
+
 // 签名相关
 const signCompRef = ref<any>(null);
 const signTitle = ref<string>("签名");
@@ -158,39 +207,52 @@ const showSignature = ref<boolean>(false);
 const userStore = useUserStore();
 const currentStudent = computed(() => userStore.curXs);
 
-const descPreview = computed(() => {
-  if (!noticeDetail.value?.jlms) return '';
-  // 使用正则表达式去除 HTML 标签，兼容所有平台
-  const text = noticeDetail.value.jlms
-    .replace(/<[^>]+>/g, '') // 去除 HTML 标签
-    .replace(/&nbsp;/g, '\u3000') // 转换为中文全角空格（保留段落缩进）
+/** 将常见 HTML 实体转为字符；小程序 rich-text 对 &mdash; 等命名实体支持不完整，需先解码 */
+function decodeHtmlEntitiesForRichText(html: string): string {
+  if (!html) return '';
+  return html
+    .replace(/&nbsp;/g, '\u00A0')
     .replace(/&lt;/g, '<')
     .replace(/&gt;/g, '>')
-    .replace(/&amp;/g, '&')
     .replace(/&quot;/g, '"')
-    .replace(/&ldquo;/g, '"') // 左双引号
-    .replace(/&rdquo;/g, '"') // 右双引号
-    .replace(/&lsquo;/g, "'") // 左单引号
-    .replace(/&rsquo;/g, "'") // 右单引号
-    .replace(/&mdash;/g, '—') // 长破折号
-    .replace(/&ndash;/g, '–') // 短破折号
-    .replace(/&hellip;/g, '…') // 省略号
-    .replace(/&middot;/g, '·') // 间隔号
-    .replace(/&#\d+;/g, '') // 移除数字型 HTML 实体
-    .replace(/[\r\n]+/g, ' ') // 将换行符转换为空格
-    .replace(/[ \t]+/g, ' ') // 只合并普通空格和制表符，保留全角空格
+    .replace(/&ldquo;/g, '\u201c')
+    .replace(/&rdquo;/g, '\u201d')
+    .replace(/&lsquo;/g, '\u2018')
+    .replace(/&rsquo;/g, '\u2019')
+    .replace(/&mdash;/g, '\u2014')
+    .replace(/&ndash;/g, '\u2013')
+    .replace(/&hellip;/g, '\u2026')
+    .replace(/&middot;/g, '\u00b7')
+    .replace(/&#(\d+);/g, (_, n) => {
+      const code = parseInt(n, 10);
+      return Number.isFinite(code) ? String.fromCharCode(code) : _;
+    })
+    .replace(/&#x([0-9a-fA-F]+);/g, (_, h) => {
+      const code = parseInt(h, 16);
+      return Number.isFinite(code) ? String.fromCharCode(code) : _;
+    })
+    .replace(/&amp;/g, '&');
+}
+
+const descPreview = computed(() => {
+  if (!noticeDetail.value?.jlms) return '';
+  const stripped = String(noticeDetail.value.jlms).replace(/<[^>]+>/g, '');
+  const decoded = decodeHtmlEntitiesForRichText(stripped);
+  const text = decoded
+    .replace(/\u00A0/g, ' ')
+    .replace(/[\r\n]+/g, ' ')
+    .replace(/[ \t]+/g, ' ')
     .trim();
-  
   return text.slice(0, 100) + (text.length > 100 ? '...' : '');
 });
 
 // 处理完整内容，移除段落开头的多余空格（因为 CSS 已设置 text-indent）
 const processedContent = computed(() => {
   if (!noticeDetail.value?.jlms) return '';
-  // 将段落开头的 4个 &nbsp; 替换为空（CSS 会自动添加 2em 缩进）
-  return noticeDetail.value.jlms
-    .replace(/(&nbsp;\s*){4}/g, '') // 移除 4个连续的 &nbsp;（可能有空格分隔）
-    .replace(/(&nbsp;){4}/g, ''); // 移除紧挨着的 4个 &nbsp;
+  const stripped = String(noticeDetail.value.jlms)
+    .replace(/(&nbsp;\s*){4}/g, '')
+    .replace(/(&nbsp;){4}/g, '');
+  return decodeHtmlEntitiesForRichText(stripped);
 });
 
 // 获取文件名
@@ -518,18 +580,72 @@ watch(studentList, (list) => {
 <style scoped lang="scss">
 .notice-detail-page {
   background-color: #f4f5f7;
-  padding-bottom: 70px;
+  padding-bottom: 80px;
   padding: 15px;
   box-sizing: border-box;
 }
 
+.bottom-slot-wrap {
+  position: relative;
+}
+
+/* 浮动在底部按钮上方，不占布局高度 */
+.finger-float {
+  position: fixed;
+  left: 0;
+  right: 0;
+  bottom: calc(56px + constant(safe-area-inset-bottom));
+  bottom: calc(56px + env(safe-area-inset-bottom));
+  display: flex;
+  justify-content: center;
+  align-items: center;
+  pointer-events: none;
+  z-index: 998;
+  filter: drop-shadow(0 4px 12px rgba(0, 0, 0, 0.12));
+}
+
+.finger-text {
+  font-size: 40px;
+  line-height: 1;
+  display: inline-block;
+  transform-origin: center center;
+  animation: fingerFloatHint 1.25s ease-in-out infinite;
+}
+
+/* 手指旋转 180°，并做轻微上下浮动 */
+@keyframes fingerFloatHint {
+  0%,
+  100% {
+    transform: translateY(0) rotate(180deg) scale(1);
+  }
+  50% {
+    transform: translateY(-12px) rotate(180deg) scale(1.06);
+  }
+}
+
+.finger-fade-enter-active,
+.finger-fade-leave-active {
+  transition: opacity 0.45s ease;
+}
+
+.finger-fade-enter-from,
+.finger-fade-leave-to {
+  opacity: 0;
+}
+
+.bottom-bar {
+  background-color: #ffffff;
+  border-top: 1px solid #e5e5e5;
+}
+
 .bottom-actions {
   display: flex;
   justify-content: space-around;
   align-items: center;
   padding: 12px 15px;
+  padding-bottom: calc(12px + constant(safe-area-inset-bottom));
+  padding-bottom: calc(12px + env(safe-area-inset-bottom));
   background-color: #ffffff;
-  border-top: 1px solid #e5e5e5;
 
   .action-btn {
     width: 90%;
diff --git a/src/pages/base/xk/tf/detail.vue b/src/pages/base/xk/tf/detail.vue
index 4fb8ebe..f8ba366 100644
--- a/src/pages/base/xk/tf/detail.vue
+++ b/src/pages/base/xk/tf/detail.vue
@@ -34,6 +34,10 @@
 						<text class="label">银行账号:</text>
 						<text class="value">{{ xkTf.khZh }}</text>
 					</view>
+					<view class="info-row">
+						<text class="label">开户网点:</text>
+						<text class="value">{{ xkTf.khWd || '—' }}</text>
+					</view>
 					<view class="info-column">
 						<text class="label">缴费凭证:</text>
 						<text class="value">
diff --git a/src/pages/base/xk/tf/sq.vue b/src/pages/base/xk/tf/sq.vue
index 03206f4..434bee3 100644
--- a/src/pages/base/xk/tf/sq.vue
+++ b/src/pages/base/xk/tf/sq.vue
@@ -94,6 +94,15 @@ const [register, { getValue, setValue }] = useForm({
       required: true,
       componentProps: { },
     },
+    {
+      field: "khWd",
+      label: "开户网点",
+      component: "BasicInput",
+      required: true,
+      componentProps: {
+        placeholder: "如：泸州江阳支行",
+      },
+    },
     {
       field: "jfPz",
       label: "缴费凭证",
diff --git a/src/pages/base/xszp/index.vue b/src/pages/base/xszp/index.vue
index 12da445..21a1154 100644
--- a/src/pages/base/xszp/index.vue
+++ b/src/pages/base/xszp/index.vue
@@ -113,7 +113,7 @@ interface TaskItem {
   kcmc?: string;
   kcId?: string;
   xsId?: string;
-  ispj?: string; // A:已评价
+  ispj?: string; // A:已评价 B:未评价（待评价）
 }
 
 const taskList = ref<TaskItem[]>([]);
@@ -167,7 +167,11 @@ onLoad(async (options) => {
     xsId.value = options.xsId;
   }
   
-  loadTaskList();
+  // openId 异步登录时 onShow 往往在 isLoginReady 仍为 false 时已执行过，需在 onLoad 末尾补一次加载；
+  // 普通进入只由 onShow 拉取，避免与 onLoad 重复请求
+  if (options && options.openId) {
+    loadTaskList();
+  }
 });
 
 onShow(() => {
@@ -231,11 +235,27 @@ const loadTaskList = async () => {
   }
 };
 
+/** 该任务是否已被教师评价（锁定独立项目选择） */
+const isTaskEvaluated = (t: TaskItem) =>
+  t.zpzt === 'C' || t.ispj === 'A';
+
 // 开始挑战 - 跳转到提交页面
 const startChallenge = (task: TaskItem) => {
-  // 验证：如果已经有一个项目提交了，不允许挑战其他项目
-  const submittedTask = taskList.value.find(t => t.zpzt === 'A' && t.id !== task.id);
-  if (submittedTask) {
+  // 当前任务已评价：不可再挑战
+  if (isTaskEvaluated(task)) {
+    uni.showToast({
+      title: '该任务已评价，无法再次挑战',
+      icon: 'none',
+      duration: 2000
+    });
+    return;
+  }
+
+  // 仅当存在「另一任务已提交且已被评价」时才禁止换项；已提交但 ispj=B（待评价）时仍可点击开始挑战
+  const otherLocked = taskList.value.find(
+    (t) => t.id !== task.id && isTaskEvaluated(t)
+  );
+  if (otherLocked) {
     uni.showToast({
       title: '已完成挑战',
       icon: 'none',