中文社论风 AI 退休规划信息图

{
  "type": "中文社论信息图海报",
  "topic": "AI 与退休规划的边界",
  "style": "典雅学术杂志信息图风格、扁平矢量图标、柔和质感米白纸张底色、均衡的中文编排排版、极简东方典雅装饰元素",
  "canvas": {
    "orientation": "portrait",
    "aspect_ratio": "3:4"
  },
  "palette": {
    "background": "warm ivory",
    "primary_text": "black",
    "secondary_text": "deep blue",
    "accent_red": "rose pink",
    "accent_green": "muted olive green",
    "accent_yellow": "golden yellow",
    "accent_blue": "navy blue",
    "line_color": "soft gray-blue"
  },
  "headline": {
    "text": "[AI 能帮你规划退休，但不能替你负责]",
    "position": "top left",
    "font": "bold Chinese serif or Song-style display",
    "large": true
  },
  "subheadline": {
    "text": "MIT Sloan 对“AI + 退休规划”的边界判断",
    "position": "below headline",
    "color": "deep blue",
    "font": "bold Chinese sans-serif"
  },
  "source_line": {
    "text": "来源：MIT Sloan / Andrew Lo",
    "position": "below subheadline",
    "color": "gray"
  },
  "layout": {
    "sections": [
      {
        "title": "高责任场景",
        "position": "upper middle",
        "count": 2,
        "shape": "rounded rectangle with pink border and pale pink fill",
        "icon_count": 3,
        "labels": [
          "AI = 辅助工具，不是最终决策者",
          "适合帮助思考，不适合替你拍板"
        ],
        "left_icon": "large pink warning triangle inside circle over wave pattern",
        "item_icons": [
          "person badge",
          "exclamation mark"
        ]
      },
      {
        "title": "强在帮你想清楚，弱在替你承担后果",
        "position": "center",
        "count": 2,
        "shape": "large framed comparison panel",
        "subsections": [
          {
            "title": "AI 更适合做：认知辅助",
            "position": "left",
            "count": 4,
            "color": "green",
            "labels": [
              "解释复杂概念",
              "比较不同方案",
              "做情景推演",
              "提醒行为偏差"
            ],
            "icons": [
              "book",
              "balance scale",
              "upward chart",
              "exclamation in speech bubble"
            ]
          },
          {
            "title": "AI 不能替代：责任判断",
            "position": "right",
            "count": 4,
            "color": "pink-red",
            "labels": [
              "承担法律责任",
              "精确税务与收益计算",
              "处理复杂合规细节",
              "托管敏感隐私风险"
            ],
            "icons": [
              "courthouse",
              "calculator",
              "clipboard",
              "lock"
            ]
          }
        ],
        "center_icon": "blue circle with white balance scale"
      },
      {
        "title": "正确用法：把 AI 当分析伙伴，不当神谕",
        "position": "lower middle",
        "count": 3,
        "shape": "rounded rectangle with yellow border and pale cream fill",
        "labels": [
          "先用 AI 做认知准备：理解概念、列变量、梳理方案",
          "再让 AI 挑战你的假设：问它哪里可能错、缺了什么信息",
          "关键决策交给自己，并由专业人士复核"
        ],
        "left_illustration": "yellow rising sun over stylized landscape with bamboo leaves",
        "step_markers": "three yellow numbered circles: 1, 2, 3"
      },
      {
        "title": "注：本文强调的是“辅助决策边界”，不是投资建议",
        "position": "bottom",
        "count": 1,
        "shape": "rounded rectangle with blue-gray border",
        "labels": [
          "Source: MIT Sloan, Want to use AI to plan your retirement? Here’s how to proceed"
        ],
        "left_icon": "blue fountain pen nib in circle",
        "right_decoration": "gray-blue wave pattern"
      }
    ],
    "decorations": {
      "count": 5,
      "items": [
        "top right cherry blossom branch with pink flowers and falling petals",
        "top left pagoda silhouette",
        "top left distant mountain silhouette",
        "small cloud-line motifs near upper corners of comparison section",
        "subtle wave patterns inside circular icons and lower right footer"
      ]
    }
  },
  "composition": "留白充足、除底部英文来源外全部为中文文本、从主标题到各色内容卡片层级分明、中央对称式对比布局、精致利落的社交媒体信息图规格",
  "rendering": "清晰矢量信息图、锐利字迹、细腻纸纹肌理、非写实风格"
}