中文 AI 退休规划信息图

{"type":"editorial Chinese infographic poster","topic":"AI and retirement planning boundaries","style":"clean academic magazine infographic, flat vector icons, soft textured off-white paper background, balanced Chinese editorial typography, minimal Japanese-inspired decorative motifs","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":"{argument name=\"headline text\" default=\"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":"ample margins, all text in Chinese except the English source line at bottom, strong hierarchy from headline to colored content boxes, symmetrical comparison layout in the middle, polished social-media-ready infographic","rendering":"sharp vector infographic, crisp text, subtle paper grain, no photorealism"}