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{"type":"中文社論資訊圖海報","topic":"AI 與退休規劃的邊界","style":"典雅學術雜誌資訊圖風格、扁平向量圖示、柔和質感米白紙張底色、均衡的中文編排排版、極簡東方典雅裝飾元素","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 能幫你規劃退休，但不能替你負責]","position":"top left","font":"bold Chinese serif or Song-style display","large":true},"subheadline":{"text":"MIT Sloan 對“AI + 退休規劃”的邊界判斷","position":"below headline","color":"deep blue","font":"bold Chinese sans-serif"},"source_line":{"text":"來源：MIT Sloan / Andrew Lo","position":"below subheadline","color":"gray"},"layout":{"sections":[{"title":"高責任場景","position":"upper middle","count":2,"shape":"rounded rectangle with pink border and pale pink fill","icon_count":3,"labels":["AI = 輔助工具，不是最終決策者","適合幫助思考，不適合替你拍板"],"left_icon":"large pink warning triangle inside circle over wave pattern","item_icons":["person badge","exclamation mark"]},{"title":"強在幫你想清楚，弱在替你承擔後果","position":"center","count":2,"shape":"large framed comparison panel","subsections":[{"title":"AI 更適合做：認知輔助","position":"left","count":4,"color":"green","labels":["解釋複雜概念","比較不同方案","做情景推演","提醒行為偏差"],"icons":["book","balance scale","upward chart","exclamation in speech bubble"]},{"title":"AI 不能替代：責任判斷","position":"right","count":4,"color":"pink-red","labels":["承擔法律責任","精確稅務與收益計算","處理複雜合規細節","託管敏感隱私風險"],"icons":["courthouse","calculator","clipboard","lock"]}],"center_icon":"blue circle with white balance scale"},{"title":"正確用法：把 AI 當分析夥伴，不當神諭","position":"lower middle","count":3,"shape":"rounded rectangle with yellow border and pale cream fill","labels":["先用 AI 做認知準備：理解概念、列變數、梳理方案","再讓 AI 挑戰你的假設：問它哪裡可能錯、缺了什麼資訊","關鍵決策交給自己，並由專業人士複核"],"left_illustration":"yellow rising sun over stylized landscape with bamboo leaves","step_markers":"three yellow numbered circles: 1, 2, 3"},{"title":"注：本文強調的是“輔助決策邊界”，不是投資建議","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、除底部英文來源外全部為中文文字、從主標題到各色內容卡片層級分明、中央對稱式對比佈局、精緻利落的社交媒體資訊圖規格","rendering":"清晰向量資訊圖、銳利字跡、細膩紙紋肌理、非寫實風格"}

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