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ThuRunel is an advisory agent framework for two-phase high-stakes consultations (medical aesthetics, legal, education) that formalizes 'dynamic decoupling' — deciding what to ask, when to stop, what to resolve autonomously, and what to escalate to a specialist. Combining finite-state belief management, CoT teacher synthesis, and generation adapters, it outperforms eleven baselines and ships as a bilingual, source-citing web application.