baodan/api/insurance/ppt/scripts/fast_pptx_renderer.py

#!/usr/bin/env python3
"""
fast_pptx_renderer.py — PPTX 渲染器
接收 DeckContract JSON，按 requiredPageTypes 生成专业 PPTX

使用方法:
    python fast_pptx_renderer.py --deck-json <path> --output <path> --theme <theme>

主题:
    deepblue  - 深海蓝（默认）
    caramel   - 焦糖色
    chinese   - 中国红
    business  - 商务蓝
    minimal   - 极简灰
    ink       - 水墨黑

输出:
    JSON: { "ok": true, "path": "...", "size": 12345, "slides": 10 }
"""
from __future__ import annotations

import argparse
import json
import os
import sys
from pathlib import Path
from typing import Any

from pptx import Presentation
from pptx.chart.data import CategoryChartData
from pptx.dml.color import RGBColor
from pptx.enum.chart import XL_CHART_TYPE, XL_LEGEND_POSITION
from pptx.enum.shapes import MSO_AUTO_SHAPE_TYPE
from pptx.enum.text import MSO_ANCHOR, PP_ALIGN
from pptx.util import Inches, Pt


# ─── 主题配色 ────────────────────────────────────────────────

THEMES = {
    "deepblue": {
        "bg": RGBColor(10, 28, 50),
        "panel": RGBColor(255, 255, 255),
        "primary": RGBColor(255, 255, 255),
        "text_dark": RGBColor(30, 30, 40),
        "accent": RGBColor(24, 137, 141),
        "accent_light": RGBColor(200, 230, 230),
        "gold": RGBColor(201, 160, 39),
        "muted": RGBColor(150, 160, 175),
        "line": RGBColor(220, 225, 235),
        "good": RGBColor(24, 168, 100),
        "good_light": RGBColor(180, 230, 200),
        "alert": RGBColor(200, 60, 60),
    },
    "caramel": {
        "bg": RGBColor(248, 245, 239),
        "panel": RGBColor(255, 255, 255),
        "primary": RGBColor(38, 38, 38),
        "text_dark": RGBColor(38, 38, 38),
        "accent": RGBColor(206, 138, 44),
        "accent_light": RGBColor(240, 230, 208),
        "gold": RGBColor(206, 138, 44),
        "muted": RGBColor(96, 96, 96),
        "line": RGBColor(223, 214, 195),
        "good": RGBColor(24, 108, 79),
        "good_light": RGBColor(165, 204, 189),
        "alert": RGBColor(173, 68, 52),
    },
    "chinese": {
        "bg": RGBColor(180, 30, 30),
        "panel": RGBColor(255, 255, 255),
        "primary": RGBColor(255, 255, 255),
        "text_dark": RGBColor(40, 40, 40),
        "accent": RGBColor(220, 180, 60),
        "accent_light": RGBColor(255, 240, 200),
        "gold": RGBColor(220, 180, 60),
        "muted": RGBColor(180, 160, 160),
        "line": RGBColor(200, 180, 180),
        "good": RGBColor(100, 180, 100),
        "good_light": RGBColor(200, 230, 200),
        "alert": RGBColor(255, 200, 100),
    },
    "business": {
        "bg": RGBColor(23, 32, 51),
        "panel": RGBColor(255, 255, 255),
        "primary": RGBColor(255, 255, 255),
        "text_dark": RGBColor(23, 32, 51),
        "accent": RGBColor(37, 99, 235),
        "accent_light": RGBColor(219, 234, 254),
        "gold": RGBColor(201, 160, 39),
        "muted": RGBColor(148, 163, 184),
        "line": RGBColor(203, 213, 225),
        "good": RGBColor(5, 150, 105),
        "good_light": RGBColor(209, 250, 229),
        "alert": RGBColor(220, 38, 38),
    },
    "minimal": {
        "bg": RGBColor(248, 250, 252),
        "panel": RGBColor(255, 255, 255),
        "primary": RGBColor(15, 23, 42),
        "text_dark": RGBColor(15, 23, 42),
        "accent": RGBColor(71, 85, 105),
        "accent_light": RGBColor(226, 232, 240),
        "gold": RGBColor(161, 98, 7),
        "muted": RGBColor(100, 116, 139),
        "line": RGBColor(226, 232, 240),
        "good": RGBColor(22, 101, 52),
        "good_light": RGBColor(220, 252, 231),
        "alert": RGBColor(185, 28, 28),
    },
    "ink": {
        "bg": RGBColor(39, 39, 42),
        "panel": RGBColor(250, 250, 249),
        "primary": RGBColor(250, 250, 249),
        "text_dark": RGBColor(39, 39, 42),
        "accent": RGBColor(87, 83, 78),
        "accent_light": RGBColor(231, 229, 228),
        "gold": RGBColor(180, 140, 70),
        "muted": RGBColor(168, 162, 158),
        "line": RGBColor(214, 211, 209),
        "good": RGBColor(63, 98, 18),
        "good_light": RGBColor(236, 252, 203),
        "alert": RGBColor(153, 27, 27),
    },
}

FONT_CN = "Microsoft YaHei"


# ─── 计算工具（移植自 baodanppt） ───────────────────────────

def money(value: float | int) -> str:
    return f"{round(float(value)):,}"


def pct(value: float) -> str:
    return f"{value:.2f}%"


def paid_premium_for_year(year: int, annual_premium: float, pay_years: int) -> float:
    return float(annual_premium) * min(int(year), int(pay_years))


def simple_return(value: float, premium: float) -> float:
    if premium <= 0:
        return 0.0
    return (float(value) / float(premium) - 1.0) * 100.0


def compound_return(value: float, premium: float, year: int) -> float:
    if premium <= 0 or value <= 0 or year <= 0:
        return 0.0
    return ((float(value) / float(premium)) ** (1.0 / float(year)) - 1.0) * 100.0


def find_payback_year(benefit_rows: list, annual_premium: float, pay_years: int):
    for row in benefit_rows:
        yr = int(row.get("policyYear", 0))
        sv = float(row.get("totalSurrenderValue", 0))
        if sv >= paid_premium_for_year(yr, annual_premium, pay_years) and yr > 1:
            return yr
    return None


def decade_rows(benefit_rows, annual_premium, pay_years, withdraw_rows=None, max_year=90):
    """每 10 年数据行，支持不提领/提领两种口径。"""
    targets = [y for y in [1, 10, 20, 30, 40, 50, 60, 70, 80, 90, 100] if y <= max_year]
    by_year = {}
    for r in benefit_rows:
        by_year[int(r.get("policyYear", 0))] = r
    w_by_year = {}
    if withdraw_rows:
        for r in withdraw_rows:
            w_by_year[int(r.get("policyYear", 0))] = r

    rows = []
    for yr in targets:
        base = by_year.get(yr)
        wr = w_by_year.get(yr)
        if not base and not wr:
            continue
        ref = wr or base
        age = int(ref.get("age", 0))
        paid = paid_premium_for_year(yr, annual_premium, pay_years)
        if wr:
            annual_w = float(wr.get("annualWithdrawal", 0))
            cum_w = float(wr.get("cumulativeWithdrawal", 0))
            sv_after = float(wr.get("surrenderValueAfter", 0))
            econ = cum_w + sv_after
        else:
            annual_w = 0.0
            cum_w = 0.0
            sv_after = float(base.get("totalSurrenderValue", 0))
            econ = sv_after
        rows.append({
            "age": age, "year": yr, "paid": paid,
            "annualWithdrawal": annual_w, "cumulativeWithdrawal": cum_w,
            "surrenderValue": sv_after, "economicTotal": econ,
            "simpleRate": simple_return(econ, paid),
            "compoundRate": compound_return(econ, paid, yr),
        })
    return rows


# ─── 基础绘图函数 ────────────────────────────────────────────

def add_bg(slide, colors):
    fill = slide.background.fill
    fill.solid()
    fill.fore_color.rgb = colors["bg"]


def add_blank_slide(prs):
    """兼容只有少量自定义版式的源 PPTX。"""
    layouts = list(prs.slide_layouts)
    if not layouts:
        raise ValueError("源模板没有可用幻灯片版式")
    layout = next(
        (
            item for item in layouts
            if str(getattr(item, "name", "")).lower() in {"blank", "空白"}
        ),
        layouts[-1],
    )
    return prs.slides.add_slide(layout)


def add_textbox(slide, left, top, width, height, text, size=18, bold=False,
                color=None, align=PP_ALIGN.LEFT, line_spacing=1.5, colors=None):
    if color is None:
        color = colors["primary"] if colors else RGBColor(255, 255, 255)
    box = slide.shapes.add_textbox(left, top, width, height)
    tf = box.text_frame
    tf.clear()
    tf.word_wrap = True
    tf.vertical_anchor = MSO_ANCHOR.TOP
    p = tf.paragraphs[0]
    p.alignment = align
    p.line_spacing = line_spacing
    run = p.add_run()
    run.text = str(text)
    run.font.name = FONT_CN
    run.font.size = Pt(size)
    run.font.bold = bold
    run.font.color.rgb = color
    return box


def add_paragraphs(slide, left, top, width, height, lines, size=15, color=None,
                   bullet=True, line_spacing=1.5, colors=None):
    if color is None:
        color = colors["primary"] if colors else RGBColor(255, 255, 255)
    box = slide.shapes.add_textbox(left, top, width, height)
    tf = box.text_frame
    tf.clear()
    tf.word_wrap = True
    tf.vertical_anchor = MSO_ANCHOR.TOP
    for idx, line in enumerate(lines):
        p = tf.paragraphs[0] if idx == 0 else tf.add_paragraph()
        p.alignment = PP_ALIGN.LEFT
        p.line_spacing = line_spacing
        p.text = f"• {line}" if bullet else str(line)
        if p.runs:
            run = p.runs[0]
            run.font.name = FONT_CN
            run.font.size = Pt(size)
            run.font.color.rgb = color
    return box


def add_card(slide, left, top, width, height, title, value, subtitle="",
             accent=False, colors=None, title_size=12, value_size=20, subtitle_size=10.5):
    if colors is None:
        colors = THEMES["deepblue"]
    shape = slide.shapes.add_shape(MSO_AUTO_SHAPE_TYPE.ROUNDED_RECTANGLE, left, top, width, height)
    shape.fill.solid()
    shape.fill.fore_color.rgb = colors["accent_light"] if accent else colors["panel"]
    shape.line.color.rgb = colors["line"]
    add_textbox(slide, left + Inches(0.14), top + Inches(0.12), width - Inches(0.28),
                Inches(0.22), title, size=title_size, bold=True, color=colors["muted"],
                line_spacing=1.2, colors=colors)
    add_textbox(slide, left + Inches(0.14), top + Inches(0.38), width - Inches(0.28),
                Inches(0.4), value, size=value_size, bold=True,
                color=colors["accent"] if accent else colors["text_dark"],
                line_spacing=1.2, colors=colors)
    if subtitle:
        add_textbox(slide, left + Inches(0.14), top + Inches(0.82), width - Inches(0.28),
                    Inches(0.22), subtitle, size=subtitle_size, color=colors["muted"],
                    line_spacing=1.2, colors=colors)


def add_fact_card(slide, left, top, width, height, title, body,
                  fill_color=None, colors=None, title_size=11.5, body_size=12.8):
    if colors is None:
        colors = THEMES["deepblue"]
    if fill_color is None:
        fill_color = colors["panel"]
    shape = slide.shapes.add_shape(MSO_AUTO_SHAPE_TYPE.ROUNDED_RECTANGLE, left, top, width, height)
    shape.fill.solid()
    shape.fill.fore_color.rgb = fill_color
    shape.line.color.rgb = colors["line"]
    add_textbox(slide, left + Inches(0.14), top + Inches(0.12), width - Inches(0.28),
                Inches(0.2), title, size=title_size, bold=True, color=colors["muted"],
                line_spacing=1.2, colors=colors)
    add_textbox(slide, left + Inches(0.14), top + Inches(0.36), width - Inches(0.28),
                height - Inches(0.48), body, size=body_size, color=colors["text_dark"],
                line_spacing=1.42, colors=colors)


def add_footer(slide, text, colors=None):
    if colors is None:
        colors = THEMES["deepblue"]
    add_textbox(slide, Inches(0.65), Inches(7.0), Inches(12.0), Inches(0.2),
                text, size=10, color=colors["muted"], line_spacing=1.2, colors=colors)


def add_title(slide, title, subtitle=None, colors=None):
    if colors is None:
        colors = THEMES["deepblue"]
    add_textbox(slide, Inches(0.6), Inches(0.35), Inches(8.8), Inches(0.45),
                title, size=24, bold=True, line_spacing=1.2, colors=colors)
    if subtitle:
        add_textbox(slide, Inches(0.6), Inches(0.78), Inches(9.2), Inches(0.28),
                    subtitle, size=11, color=colors["muted"], line_spacing=1.2, colors=colors)


def add_line_chart(slide, left, top, width, height, categories, series_spec, colors):
    chart_data = CategoryChartData()
    chart_data.categories = [str(x) for x in categories]
    for name, values in series_spec:
        chart_data.add_series(name, values)
    chart = slide.shapes.add_chart(
        XL_CHART_TYPE.LINE_MARKERS, left, top, width, height, chart_data
    ).chart
    chart.has_legend = True
    chart.legend.position = XL_LEGEND_POSITION.BOTTOM
    chart.legend.font.size = Pt(10)
    chart.value_axis.has_major_gridlines = True
    chart.value_axis.tick_labels.font.size = Pt(10)
    chart.category_axis.tick_labels.font.size = Pt(10)
    chart.value_axis.tick_labels.number_format = '$#,##0'
    palette = [colors["accent"], colors["good"], RGBColor(54, 94, 140), colors["alert"]]
    for idx, series in enumerate(chart.series):
        series.format.line.width = Pt(2.2)
        series.format.line.color.rgb = palette[idx % len(palette)]
    return chart


def add_timeline_marker(slide, left, title, lines, colors):
    shape = slide.shapes.add_shape(
        MSO_AUTO_SHAPE_TYPE.ROUNDED_RECTANGLE,
        left, Inches(2.75), Inches(2.1), Inches(2.05)
    )
    shape.fill.solid()
    shape.fill.fore_color.rgb = colors["panel"]
    shape.line.color.rgb = colors["line"]
    add_textbox(slide, left + Inches(0.14), Inches(2.9), Inches(1.82), Inches(0.26),
                title, size=13, bold=True, color=colors["accent"],
                line_spacing=1.2, colors=colors)
    add_paragraphs(slide, left + Inches(0.14), Inches(3.18), Inches(1.82), Inches(1.25),
                   lines, size=11, bullet=False, line_spacing=1.35, colors=colors)


# ─── 幻灯片构建函数（10 种 pageType） ───────────────────────

def _slide_meta(slides_config, idx, page_type):
    """从 slides_config 中获取第 idx 个 slide 的元数据。"""
    if slides_config and idx < len(slides_config):
        return slides_config[idx]
    return {"pageType": page_type}


def _product_summary(product):
    """从产品数据中提取关键数字摘要。"""
    policy = product.get("policy", {})
    ap = policy.get("annualPremium", 0)
    py = policy.get("payYears", 0)
    total = ap * py
    br = product.get("benefitRows", [])
    payback = find_payback_year(br, ap, py) if br else None
    final = br[-1].get("totalSurrenderValue", 0) if br else 0
    mult = f"{final / total:.1f}x" if total > 0 and final > 0 else "-"
    return {"annualPremium": ap, "payYears": py, "totalPremium": total,
            "paybackYear": payback, "finalValue": final, "multiple": mult,
            "benefitRows": br, "withdrawalRows": product.get("withdrawalRows", []),
            "productName": product.get("productName", ""),
            "insured": product.get("insured", {})}


def _selected_product(deck, meta):
    products = deck.get("products", [])
    if not products:
        return {}
    try:
        index = int(meta.get("productIndex", 0))
    except (TypeError, ValueError):
        index = 0
    return products[index] if 0 <= index < len(products) else products[0]


def _source_pages(rows):
    pages = sorted({
        int(row["sourcePage"])
        for row in rows
        if row.get("sourcePage")
    })
    return "、".join(str(page) for page in pages) if pages else "待正式计划书确认"


def _pending_money(value):
    if value is None:
        return "待确认"
    return money(value)


def add_slide_cover(prs, deck, colors, meta):
    """封面页：客户名 + 产品名 + 公司名 + 核心指标卡片。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    customer = deck.get("customer", {})
    products = deck.get("products", [])
    company = deck.get("company", {})
    product = products[0] if products else {}
    s = _product_summary(product)

    title_text = meta.get("title", "").replace("{{customerName}}", customer.get("name", "客户"))
    if not title_text or "{{" in title_text:
        title_text = f"{customer.get('name', '客户')} 专属方案"

    add_textbox(slide, Inches(0.8), Inches(1.2), Inches(11.7), Inches(0.8),
                title_text, size=38, bold=True, colors=colors)

    subtitle = meta.get("subtitle", "").replace("{{productName}}", s["productName"])
    if not subtitle or "{{" in subtitle:
        subtitle = s["productName"] or "财富增值与传承方案"
    add_textbox(slide, Inches(0.8), Inches(2.2), Inches(11.7), Inches(0.5),
                subtitle, size=20, color=colors["muted"], colors=colors)

    company_name = company.get("displayName", "")
    if company_name:
        add_textbox(slide, Inches(0.8), Inches(2.9), Inches(11.7), Inches(0.4),
                    company_name, size=14, color=colors["accent"], colors=colors)

    metrics = [
        ("年缴保费", f"${money(s['annualPremium'])}"),
        ("缴费年期", f"{s['payYears']}年"),
        ("总投入", f"${money(s['totalPremium'])}"),
        ("期末倍数", s["multiple"]),
    ]
    for i, (label, value) in enumerate(metrics):
        x = Inches(0.8 + i * 3.0)
        add_card(slide, x, Inches(4.8), Inches(2.5), Inches(1.2),
                 label, value, colors=colors, accent=(i == 3))

    add_footer(slide, meta.get("narrativeHint", ""), colors=colors)


def add_slide_company(prs, deck, colors, meta):
    """公司介绍页：公司简介 + 事实卡片。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    company = deck.get("company", {})
    title = meta.get("title", "").replace("{{companyName}}", company.get("displayName", ""))
    if not title or "{{" in title:
        title = f"{company.get('displayName', '合作保司')} 公司介绍"
    add_title(slide, title, meta.get("narrativeHint", ""), colors=colors)

    intro = company.get("companyIntro", "")
    if intro:
        add_paragraphs(slide, Inches(0.85), Inches(1.45), Inches(6.0), Inches(2.5),
                       [intro], size=13, bullet=False, line_spacing=1.5, colors=colors)

    highlights = company.get("companyHighlights", [])[:4]
    positions = [
        (Inches(0.8), Inches(4.2)), (Inches(3.5), Inches(4.2)),
        (Inches(6.2), Inches(4.2)), (Inches(8.9), Inches(4.2)),
    ]
    for idx, h in enumerate(highlights):
        if idx >= 4:
            break
        left, top = positions[idx]
        text = h.get("text", "") if isinstance(h, dict) else str(h)
        source = h.get("sourceFile", "") if isinstance(h, dict) else ""
        fill = colors["accent_light"] if idx == 0 else colors["panel"]
        add_fact_card(slide, left, top, Inches(2.5), Inches(1.8),
                      source[:20] if source else f"亮点 {idx+1}", text,
                      fill_color=fill, colors=colors, body_size=11)

    rating = company.get("rating", "")
    if rating:
        add_textbox(slide, Inches(7.5), Inches(1.45), Inches(5.0), Inches(0.4),
                    f"评级: {rating}", size=14, bold=True, color=colors["accent"], colors=colors)

    add_footer(slide, "公司事实来自内部知识库权威口径。", colors=colors)


def add_slide_narrative(prs, deck, colors, meta):
    """叙事页：受保人画像 + 方案逻辑 + 产品定位。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    product = _selected_product(deck, meta)
    s = _product_summary(product)
    insured = s["insured"]

    title = meta.get("title", "方案核心逻辑")
    add_title(slide, title, meta.get("narrativeHint", ""), colors=colors)

    age = insured.get("age", "?")
    name = insured.get("name", "受保人")
    add_fact_card(slide, Inches(0.8), Inches(1.45), Inches(2.5), Inches(1.6),
                  f"{name} · {age}岁", f"年缴 US${money(s['annualPremium'])}\n缴费 {s['payYears']} 年",
                  fill_color=colors["accent_light"], colors=colors)

    if s["paybackYear"]:
        add_fact_card(slide, Inches(3.6), Inches(1.45), Inches(2.5), Inches(1.6),
                      "回本年份", f"约第 {s['paybackYear']} 年", colors=colors)

    kind = product.get("kind", "savings")
    if kind == "savings":
        points = [
            f"总保费约 US${money(s['totalPremium'])}，长期退保价值可持续抬升。",
            "它负责未来的确定节奏，用时间换复利。",
        ]
        wr = s["withdrawalRows"]
        if wr:
            first_w = next((r for r in wr if float(r.get("annualWithdrawal", 0)) > 0), None)
            if first_w:
                points.insert(0, f"第 {int(first_w['policyYear'])} 年开始每年约 US${money(first_w['annualWithdrawal'])}，可按阶段释放现金流。")
    elif kind == "ci":
        policy = product.get("policy", {})
        points = [
            f"基础保额 US${money(policy.get('sumInsured', 0))}，先把家庭底线守住。",
            "这张单的任务不是替代储蓄，而是保护储蓄不被提前动用。",
        ]
    else:
        policy = product.get("policy", {})
        points = [
            f"基础保额 US${money(policy.get('sumInsured', 0))}，用有限保费建立更高身故保障。",
            "它不是给短期取用，而是给家庭做长期传承和现金价值缓冲。",
        ]
    add_paragraphs(slide, Inches(0.85), Inches(3.5), Inches(11.4), Inches(2.5),
                   points, size=14.5, bullet=True, colors=colors)


def add_slide_chart(prs, deck, colors, meta):
    """图表页：python-pptx 原生折线图 + 侧边解读。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    product = _selected_product(deck, meta)
    s = _product_summary(product)

    chart_type = meta.get("chartType", "growth")
    title = meta.get("title", "价值增长曲线" if chart_type == "growth" else "保证/非保证构成")
    add_title(slide, title, meta.get("narrativeHint", ""), colors=colors)

    if chart_type == "stacked":
        _draw_stacked_chart(slide, s, colors)
    else:
        _draw_growth_chart(slide, s, colors)


def _draw_growth_chart(slide, s, colors):
    """增长曲线图：退保价值 vs 保证价值 vs 已交保费。"""
    br = s["benefitRows"]
    if not br:
        add_paragraphs(slide, Inches(2), Inches(3.5), Inches(8), Inches(1),
                       ["暂无增长数据"], size=16, bullet=False, colors=colors)
        return
    years = [1, 5, 10, 15, 20, 25, 30, 40, 50]
    by_year = {int(r.get("policyYear", 0)): r for r in br}
    valid_years = [y for y in years if y in by_year]
    if not valid_years:
        add_paragraphs(slide, Inches(2), Inches(3.5), Inches(8), Inches(1),
                       ["暂无增长数据"], size=16, bullet=False, colors=colors)
        return

    series = [
        ("总退保价值", [float(by_year[y].get("totalSurrenderValue", 0)) for y in valid_years]),
        ("保证现金价值", [float(by_year[y].get("guaranteedCashValue", 0)) for y in valid_years]),
        ("已交总保费", [paid_premium_for_year(y, s["annualPremium"], s["payYears"]) for y in valid_years]),
    ]
    add_line_chart(slide, Inches(0.65), Inches(1.45), Inches(6.3), Inches(4.25),
                   valid_years, series, colors)

    notes = []
    if s["paybackYear"]:
        notes.append(f"回本约第 {s['paybackYear']} 年")
    y20 = by_year.get(20)
    if y20:
        notes.append(f"第20年退保价值 US${money(y20.get('totalSurrenderValue', 0))}")
    y30 = by_year.get(30)
    if y30:
        notes.append(f"第30年退保价值 US${money(y30.get('totalSurrenderValue', 0))}")
    notes.append(f"期末倍数约 {s['multiple']}")

    add_fact_card(slide, Inches(7.35), Inches(1.6), Inches(5.0), Inches(3.5),
                  "图表解读", "\n".join(notes), colors=colors)


def _draw_stacked_chart(slide, s, colors):
    """保证/非保证构成图。"""
    br = s["benefitRows"]
    if not br:
        add_paragraphs(slide, Inches(2), Inches(3.5), Inches(8), Inches(1),
                       ["暂无构成数据"], size=16, bullet=False, colors=colors)
        return
    years = [1, 5, 10, 15, 20, 25, 30, 40, 50]
    by_year = {int(r.get("policyYear", 0)): r for r in br}
    valid_years = [y for y in years if y in by_year]
    if not valid_years:
        add_paragraphs(slide, Inches(2), Inches(3.5), Inches(8), Inches(1),
                       ["暂无构成数据"], size=16, bullet=False, colors=colors)
        return

    series = [
        ("保证现金价值", [float(by_year[y].get("guaranteedCashValue", 0)) for y in valid_years]),
        ("归原红利", [float(by_year[y].get("reversionaryBonus", 0)) for y in valid_years]),
        ("终期分红", [float(by_year[y].get("terminalDividend", 0)) for y in valid_years]),
    ]
    add_line_chart(slide, Inches(0.65), Inches(1.45), Inches(6.3), Inches(4.25),
                   valid_years, series, colors)

    add_fact_card(slide, Inches(7.35), Inches(1.6), Inches(5.0), Inches(3.5),
                  "构成解读", "先看保证底盘，再看非保证弹性，明确长期收益主要来源。",
                  colors=colors)


def add_slide_timeline(prs, deck, colors, meta):
    """时间轴页：横向里程碑。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    product = _selected_product(deck, meta)
    s = _product_summary(product)

    title = meta.get("title", "家庭时间轴")
    add_title(slide, title, meta.get("narrativeHint", ""), colors=colors)

    # 画横线
    line = slide.shapes.add_shape(
        MSO_AUTO_SHAPE_TYPE.RECTANGLE,
        Inches(1.0), Inches(2.35), Inches(10.8), Inches(0.05)
    )
    line.fill.solid()
    line.fill.fore_color.rgb = colors["line"]
    line.line.color.rgb = colors["line"]

    wr = {int(r.get("policyYear", 0)): r for r in s["withdrawalRows"]}
    insured_age = int(s["insured"].get("age", 1))

    milestones = _build_milestones(s, wr, insured_age, meta)
    positions = [Inches(0.95), Inches(3.2), Inches(5.45), Inches(7.7), Inches(9.95)]
    for i, ms in enumerate(milestones[:5]):
        left = positions[i] if i < len(positions) else Inches(0.95 + i * 2.3)
        add_timeline_marker(slide, left, ms["title"], ms["lines"], colors)

    add_footer(slide, "关键里程碑按受保人年龄和保单年度展开。", colors=colors)


def _build_milestones(s, wr, insured_age, meta):
    """构建时间轴里程碑。"""
    ms_list = []
    ms_list.append({"title": "现在", "lines": [f"年缴 US${money(s['annualPremium'])}", "保单生效"]})

    # 第一个提领点
    first_w = next((r for r in s["withdrawalRows"] if float(r.get("annualWithdrawal", 0)) > 0), None)
    if first_w:
        wyr = int(first_w["policyYear"])
        wage = insured_age + wyr
        ms_list.append({"title": f"第{wyr}年({wage}岁)",
                        "lines": [f"每年约 US${money(first_w['annualWithdrawal'])}", "开始提领"]})

    # 18/21岁
    for age_m in [18, 21]:
        for yr, r in wr.items():
            if int(r.get("age", 0)) == age_m:
                ms_list.append({"title": f"{age_m}岁(第{yr}年)",
                                "lines": [f"累计 US${money(r.get('cumulativeWithdrawal', 0))}"]})
                break

    # 20年/30年
    br_by_year = {int(r.get("policyYear", 0)): r for r in s["benefitRows"]}
    for yr in [20, 30]:
        r = br_by_year.get(yr)
        if r:
            ms_list.append({"title": f"第{yr}年",
                            "lines": [f"退保价值 US${money(r.get('totalSurrenderValue', 0))}"]})

    return ms_list[:5]


def add_slide_table(prs, deck, colors, meta):
    """数据表页：每 10 年数据 + 单利/复利 + 侧边解读。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    product = _selected_product(deck, meta)
    s = _product_summary(product)

    table_type = meta.get("tableType", "no_withdraw")
    title = meta.get("title", "不提领方案数据表（每10年）" if table_type == "no_withdraw" else "提领方案数据表（每10年）")
    add_title(slide, title, meta.get("narrativeHint", ""), colors=colors)

    has_withdraw = table_type == "withdraw" and s["withdrawalRows"]
    rows = decade_rows(s["benefitRows"], s["annualPremium"], s["payYears"],
                       s["withdrawalRows"] if has_withdraw else None)
    if not rows:
        add_paragraphs(slide, Inches(1), Inches(3), Inches(10), Inches(1),
                       ["暂无数据"], size=16, bullet=False, colors=colors)
        return

    if has_withdraw:
        headers = ["年龄", "年度", "已交保费", "年领金额", "累计领取", "提后现价", "经济总值", "单利", "复利"]
        col_widths = [0.6, 0.7, 1.1, 1.0, 1.1, 1.1, 1.1, 0.8, 0.8]
    else:
        headers = ["年龄", "年度", "已交保费", "退保价值", "单利", "复利"]
        col_widths = [0.7, 0.8, 1.3, 1.5, 1.0, 1.0]

    n_cols = len(headers)
    n_rows = len(rows) + 1
    table_width = Inches(sum(col_widths))
    table = slide.shapes.add_table(
        n_rows, n_cols, Inches(0.55), Inches(1.38), table_width, Inches(min(n_rows * 0.42, 5.0))
    ).table

    for i, w in enumerate(col_widths):
        table.columns[i].width = Inches(w)

    # 表头
    for c, h in enumerate(headers):
        cell = table.cell(0, c)
        cell.text = h
        _style_cell(cell, bold=True, bg=colors["accent"])

    # 数据行
    for r_idx, row in enumerate(rows, 1):
        if has_withdraw:
            vals = [
                str(row["age"]), str(row["year"]),
                money(row["paid"]), money(row["annualWithdrawal"]),
                money(row["cumulativeWithdrawal"]), money(row["surrenderValue"]),
                money(row["economicTotal"]),
                pct(row["simpleRate"]), pct(row["compoundRate"]),
            ]
        else:
            vals = [
                str(row["age"]), str(row["year"]),
                money(row["paid"]), money(row["surrenderValue"]),
                pct(row["simpleRate"]), pct(row["compoundRate"]),
            ]
        for c, v in enumerate(vals):
            cell = table.cell(r_idx, c)
            cell.text = v
            _style_cell(cell)

    # 解读面板
    notes = []
    if s["paybackYear"]:
        notes.append(f"总保费 US${money(s['totalPremium'])}，回本约第 {s['paybackYear']} 年")
    y20 = next((r for r in rows if r["year"] == 20), None)
    if y20:
        mult20 = y20["economicTotal"] / s["totalPremium"] if s["totalPremium"] > 0 else 0
        notes.append(f"20年约 {mult20:.1f} 倍")
    add_fact_card(slide, Inches(10.0), Inches(1.65), Inches(2.7), Inches(3.0),
                  "解读", "\n".join(notes) if notes else "数据来自官方计划书",
                  fill_color=colors["accent_light"], colors=colors)

    add_footer(slide, "表格口径：关键年度每10年展示，数字来自官方计划书标准化结果。", colors=colors)


def _style_cell(cell, bold=False, bg=None):
    """样式化表格单元格。"""
    for p in cell.text_frame.paragraphs:
        p.alignment = PP_ALIGN.CENTER
        for run in p.runs:
            run.font.name = FONT_CN
            run.font.size = Pt(10)
            run.font.bold = bold
    if bg:
        cell.fill.solid()
        cell.fill.fore_color.rgb = bg


def add_slide_guidance(prs, deck, colors, meta):
    """场景叙事页：只展示规则化、面向客户的说明，不补造业务数字。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)
    add_title(slide, meta.get("title", "方案说明"), meta.get("narrativeHint", ""), colors=colors)
    bullets = [str(item) for item in meta.get("bullets", []) if item]
    if not bullets:
        bullets = ["具体结论以正式计划书及客户确认资料为准。"]
    add_paragraphs(
        slide,
        Inches(1.0),
        Inches(1.65),
        Inches(11.1),
        Inches(4.6),
        bullets,
        size=18,
        bullet=True,
        line_spacing=1.65,
        colors=colors,
    )
    add_footer(slide, "缺失数据统一标记待确认，不根据其他情景自行推算。", colors=colors)


def add_slide_policy_summary(prs, deck, colors, meta):
    """每份正式计划书对应一页摘要；提取与不提取情景分开。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)
    product = _selected_product(deck, meta)
    summary = _product_summary(product)
    mode = meta.get("summaryMode", "no_withdraw")
    title = meta.get("title") or f"{summary['productName']} 保单摘要"
    add_title(slide, title, summary["productName"], colors=colors)

    policy = product.get("policy", {})
    currency = policy.get("currency") or "USD"
    withdrawal_rows = summary["withdrawalRows"]
    benefit_rows = summary["benefitRows"]
    first_withdraw = next(
        (row for row in withdrawal_rows if float(row.get("annualWithdrawal", 0)) > 0),
        None,
    )
    last_withdraw = next(
        (row for row in reversed(withdrawal_rows) if float(row.get("annualWithdrawal", 0)) > 0),
        None,
    )
    metrics = [
        ("投保年龄", f"{summary['insured'].get('age') or '待确认'} 岁"),
        ("年缴保费", f"{currency} {_pending_money(summary['annualPremium'])}"),
        ("缴费年限", f"{summary['payYears'] or '待确认'} 年"),
        ("总计划保费", f"{currency} {_pending_money(summary['totalPremium'])}"),
    ]
    if first_withdraw:
        metrics.extend([
            ("开始提取", f"第 {first_withdraw.get('policyYear')} 保单年度"),
            ("年度提取", f"{currency} {_pending_money(first_withdraw.get('annualWithdrawal'))}"),
        ])
    for index, (label, value) in enumerate(metrics[:6]):
        left = Inches(0.7 + (index % 3) * 4.15)
        top = Inches(1.25 + (index // 3) * 0.9)
        add_card(
            slide,
            left,
            top,
            Inches(3.75),
            Inches(0.72),
            label,
            value,
            colors=colors,
            title_size=9.5,
            value_size=15,
        )

    if mode == "withdraw" and withdrawal_rows:
        source_rows = withdrawal_rows
        milestone_years = {
            int(row.get("policyYear", 0))
            for row in [first_withdraw, last_withdraw]
            if row
        } | {10, 20, 30}
        rows_by_year = {
            int(row.get("policyYear", 0)): row
            for row in source_rows
            if int(row.get("policyYear", 0)) > 0
        }
        selected_rows = [
            rows_by_year.get(year, {"policyYear": year})
            for year in sorted(year for year in milestone_years if year > 0)
        ]
        headers = ["年龄", "保单年度", "年度提取", "累计提取", "提取后价值", "保证价值", "来源页"]
        values_for = lambda row: [
            str(row.get("age") or "—"),
            str(row.get("policyYear") or "—"),
            _pending_money(row.get("annualWithdrawal")),
            _pending_money(row.get("cumulativeWithdrawal")),
            _pending_money(row.get("surrenderValueAfter")),
            _pending_money(row.get("guaranteedValueAfter")),
            str(row.get("sourcePage") or "待确认"),
        ]
    else:
        source_rows = benefit_rows
        milestone_years = {summary["payYears"], 10, 20, 30}
        rows_by_year = {
            int(row.get("policyYear", 0)): row
            for row in source_rows
            if int(row.get("policyYear", 0)) > 0
        }
        selected_rows = [
            rows_by_year.get(year, {"policyYear": year})
            for year in sorted(
                int(year) for year in milestone_years
                if year is not None and int(year) > 0
            )
        ]
        kind = product.get("kind")
        if kind == "iul":
            headers = ["年龄", "保单年度", "累计保费", "账户/退保价值", "身故保障", "保证现金价值", "来源页"]
            values_for = lambda row: [
                str(row.get("age") or "—"),
                str(row.get("policyYear") or "—"),
                _pending_money(row.get("totalPremiumPaid")),
                _pending_money(row.get("totalSurrenderValue")),
                _pending_money(
                    row.get("nonGuaranteedDeathBenefit")
                    or row.get("guaranteedDeathBenefit")
                ),
                _pending_money(row.get("guaranteedCashValue")),
                str(row.get("sourcePage") or "待确认"),
            ]
        else:
            headers = ["年龄", "保单年度", "累计保费", "保证价值", "非保证利益", "总退保价值", "来源页"]
            values_for = lambda row: [
                str(row.get("age") or "—"),
                str(row.get("policyYear") or "—"),
                _pending_money(row.get("totalPremiumPaid")),
                _pending_money(row.get("guaranteedCashValue")),
                _pending_money(
                    float(row.get("reversionaryBonus", 0))
                    + float(row.get("terminalDividend", 0))
                ),
                _pending_money(row.get("totalSurrenderValue")),
                str(row.get("sourcePage") or "待确认"),
            ]

    if not selected_rows:
        add_paragraphs(
            slide,
            Inches(1.0),
            Inches(4.0),
            Inches(11.0),
            Inches(1.0),
            ["关键年度数据待正式计划书确认"],
            size=17,
            bullet=False,
            colors=colors,
        )
    else:
        table = slide.shapes.add_table(
            len(selected_rows) + 1,
            len(headers),
            Inches(0.55),
            Inches(3.15),
            Inches(12.2),
            Inches(min(0.43 * (len(selected_rows) + 1), 2.8)),
        ).table
        widths = [0.8, 1.0, 1.55, 1.55, 1.7, 1.7, 1.05]
        for index, width in enumerate(widths):
            table.columns[index].width = Inches(width)
        for column, header in enumerate(headers):
            table.cell(0, column).text = header
            _style_cell(table.cell(0, column), bold=True, bg=colors["accent"])
        for row_index, row in enumerate(selected_rows, 1):
            for column, value in enumerate(values_for(row)):
                table.cell(row_index, column).text = value
                _style_cell(table.cell(row_index, column))

    add_footer(
        slide,
        f"数据来源页：{_source_pages(source_rows)}；保证与非保证口径不得混用。",
        colors=colors,
    )


def add_slide_comparison_chart(prs, deck, colors, meta):
    """多份储蓄计划按相同保单年度比较总退保价值。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)
    add_title(slide, meta.get("title", "同年度价值走势"), "", colors=colors)
    products = deck.get("products", [])
    preferred_years = [5, 10, 20, 25, 30]
    series = []
    valid_years = []
    for year in preferred_years:
        if any(
            any(int(row.get("policyYear", 0)) == year for row in product.get("benefitRows", []))
            for product in products
        ):
            valid_years.append(year)
    for product in products:
        by_year = {
            int(row.get("policyYear", 0)): row
            for row in product.get("benefitRows", [])
        }
        series.append((
            product.get("productName") or "未命名计划",
            [
                (
                    float(by_year[year].get("totalSurrenderValue", 0))
                    if year in by_year
                    else None
                )
                for year in valid_years
            ],
        ))
    if valid_years and series:
        add_line_chart(
            slide,
            Inches(0.7),
            Inches(1.4),
            Inches(11.9),
            Inches(4.8),
            valid_years,
            series,
            colors,
        )
    else:
        add_paragraphs(
            slide,
            Inches(1.0),
            Inches(3.0),
            Inches(11.0),
            Inches(1.0),
            ["缺少共同关键年度，待正式计划书确认"],
            size=17,
            bullet=False,
            colors=colors,
        )
    add_footer(slide, "只比较正式计划书已提供的相同保单年度。", colors=colors)


def add_slide_comparison_table(prs, deck, colors, meta):
    """在同一表中拆分各产品关键年度的保证价值和总演示价值。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)
    add_title(slide, meta.get("title", "关键年度价值对比"), "", colors=colors)
    products = deck.get("products", [])
    years = [5, 10, 20, 30]
    headers = ["产品"] + [f"第{year}年\n保证/总值" for year in years]
    table = slide.shapes.add_table(
        len(products) + 1,
        len(headers),
        Inches(0.55),
        Inches(1.55),
        Inches(12.2),
        Inches(min(0.75 * (len(products) + 1), 4.7)),
    ).table
    table.columns[0].width = Inches(2.6)
    for index in range(1, len(headers)):
        table.columns[index].width = Inches(2.35)
    for column, header in enumerate(headers):
        table.cell(0, column).text = header
        _style_cell(table.cell(0, column), bold=True, bg=colors["accent"])
    for row_index, product in enumerate(products, 1):
        by_year = {
            int(row.get("policyYear", 0)): row
            for row in product.get("benefitRows", [])
        }
        values = [product.get("productName") or f"方案 {row_index}"]
        for year in years:
            row = by_year.get(year)
            values.append(
                "待确认" if not row else
                f"{_pending_money(row.get('guaranteedCashValue'))} / "
                f"{_pending_money(row.get('totalSurrenderValue'))}"
            )
        for column, value in enumerate(values):
            table.cell(row_index, column).text = value
            _style_cell(table.cell(row_index, column), bold=(column == 0))
    add_footer(
        slide,
        "前值为保证现金价值，后值为总演示退保价值；币种和投入条件不一致时不做排名。",
        colors=colors,
    )


def _portfolio_products(deck):
    products = deck.get("products", [])
    savings = next((product for product in products if product.get("kind") == "savings"), None)
    iul = next((product for product in products if product.get("kind") == "iul"), None)
    return savings, iul


def _portfolio_cashflow(deck):
    savings, iul = _portfolio_products(deck)
    withdrawal = None
    if savings:
        withdrawal = next(
            (
                row for row in savings.get("withdrawalRows", [])
                if float(row.get("annualWithdrawal", 0)) > 0
            ),
            None,
        )
    iul_premium = float((iul or {}).get("policy", {}).get("annualPremium", 0))
    withdrawal_amount = float((withdrawal or {}).get("annualWithdrawal", 0))
    currencies = {
        (product.get("policy", {}).get("currency") or "").upper()
        for product in (savings, iul)
        if product
    }
    same_currency = len(currencies) == 1
    remainder = withdrawal_amount - iul_premium if same_currency and withdrawal and iul_premium else None
    return savings, iul, withdrawal, iul_premium, remainder, next(iter(currencies), "USD")


def add_slide_cashflow_bridge(prs, deck, colors, meta):
    slide = add_blank_slide(prs)
    add_bg(slide, colors)
    add_title(slide, meta.get("title", "现金流接力"), "", colors=colors)
    _savings, _iul, withdrawal, iul_premium, remainder, currency = _portfolio_cashflow(deck)
    items = [
        ("储蓄计划年度提取", f"{currency} {_pending_money((withdrawal or {}).get('annualWithdrawal'))}"),
        ("IUL 年度计划保费", f"{currency} {_pending_money(iul_premium or None)}"),
        ("覆盖保费后年度余量", f"{currency} {_pending_money(remainder)}"),
    ]
    for index, (label, value) in enumerate(items):
        add_card(
            slide,
            Inches(0.8 + index * 4.15),
            Inches(2.0),
            Inches(3.65),
            Inches(1.45),
            label,
            value,
            colors=colors,
            accent=(index == 2),
        )
    add_paragraphs(
        slide,
        Inches(1.0),
        Inches(4.25),
        Inches(11.0),
        Inches(1.3),
        ["年度余量 = 正式计划提取金额 − IUL 正式计划保费；币种不一致时不计算。"],
        size=16,
        bullet=False,
        colors=colors,
    )
    add_footer(slide, "计算只使用两份正式计划书已经提供的金额。", colors=colors)


def add_slide_launch_paths(prs, deck, colors, meta):
    slide = add_blank_slide(prs)
    add_bg(slide, colors)
    add_title(slide, meta.get("title", "两种启动路径"), "", colors=colors)
    _savings, iul, withdrawal, _premium, _remainder, _currency = _portfolio_cashflow(deck)
    start_year = int((withdrawal or {}).get("policyYear", 0))
    pay_years = int((iul or {}).get("policy", {}).get("payYears", 0))
    funding_years = max(0, min(pay_years, start_year - 1)) if start_year else None
    early_text = (
        f"IUL 从第1年启动；前 {funding_years} 年保费由客户自有资金支付，"
        f"第 {start_year} 年起才可由储蓄提取承接。"
        if funding_years is not None else
        "IUL 从第1年启动；储蓄正式提取前的保费由客户自有资金支付，具体年数待确认。"
    )
    sync_text = (
        f"前期先完成储蓄安排；第 {start_year} 年正式开始提取时再启动 IUL。"
        if start_year else
        "前期先完成储蓄安排；待正式计划书确认可提取年度后再启动 IUL。"
    )
    add_fact_card(
        slide,
        Inches(0.8),
        Inches(1.55),
        Inches(5.65),
        Inches(3.7),
        "路径一｜保障先行",
        early_text + "\n优点：保障建立较早。\n代价：前期现金流支出较多。",
        fill_color=colors["accent_light"],
        colors=colors,
        body_size=14,
    )
    add_fact_card(
        slide,
        Inches(6.85),
        Inches(1.55),
        Inches(5.65),
        Inches(3.7),
        "路径二｜现金流同步",
        sync_text + "\n优点：无需额外准备前期 IUL 保费。\n代价：保障建立时间较晚。",
        fill_color=colors["good_light"],
        colors=colors,
        body_size=14,
    )
    add_footer(slide, "两条路径没有绝对好坏，选择取决于保障紧迫度和前期现金流。", colors=colors)


def add_slide_combined_summary(prs, deck, colors, meta):
    slide = add_blank_slide(prs)
    add_bg(slide, colors)
    add_title(slide, meta.get("title", "组合保单摘要"), "", colors=colors)
    savings, iul, withdrawal, iul_premium, remainder, currency = _portfolio_cashflow(deck)
    savings_summary = _product_summary(savings or {})
    iul_summary = _product_summary(iul or {})
    blocks = [
        (
            "储蓄计划",
            f"年缴 {currency} {_pending_money(savings_summary['annualPremium'])} × "
            f"{savings_summary['payYears'] or '待确认'} 年\n"
            f"开始提取：第 {(withdrawal or {}).get('policyYear') or '待确认'} 保单年度\n"
            f"年度提取：{currency} {_pending_money((withdrawal or {}).get('annualWithdrawal'))}",
        ),
        (
            "IUL 计划",
            f"年缴 {currency} {_pending_money(iul_summary['annualPremium'])} × "
            f"{iul_summary['payYears'] or '待确认'} 年\n"
            f"总计划保费：{currency} {_pending_money(iul_summary['totalPremium'])}\n"
            f"初始身故保障：{currency} "
            f"{_pending_money((iul or {}).get('policy', {}).get('sumInsured'))}",
        ),
        (
            "组合结果",
            f"IUL 年度保费：{currency} {_pending_money(iul_premium or None)}\n"
            f"覆盖后年度余量：{currency} {_pending_money(remainder)}\n"
            f"启动年度是否一致：{'是' if (withdrawal or {}).get('policyYear') == 1 else '否'}",
        ),
    ]
    for index, (label, body) in enumerate(blocks):
        add_fact_card(
            slide,
            Inches(0.65 + index * 4.2),
            Inches(1.65),
            Inches(3.85),
            Inches(3.75),
            label,
            body,
            fill_color=colors["accent_light"] if index == 2 else colors["panel"],
            colors=colors,
            body_size=13.2,
        )
    add_footer(slide, "组合总投入仅在币种一致时具有可加总意义。", colors=colors)


def add_slide_alignment_table(prs, deck, colors, meta):
    slide = add_blank_slide(prs)
    add_bg(slide, colors)
    add_title(slide, meta.get("title", "两份计划书对应表"), "", colors=colors)
    savings, iul, withdrawal, _premium, _remainder, _currency = _portfolio_cashflow(deck)
    milestones = {
        1,
        5,
        10,
        20,
        30,
        int((withdrawal or {}).get("policyYear", 0)),
    }
    years = sorted(year for year in milestones if year > 0)
    savings_benefits = {
        int(row.get("policyYear", 0)): row
        for row in (savings or {}).get("benefitRows", [])
    }
    savings_withdrawals = {
        int(row.get("policyYear", 0)): row
        for row in (savings or {}).get("withdrawalRows", [])
    }
    iul_benefits = {
        int(row.get("policyYear", 0)): row
        for row in (iul or {}).get("benefitRows", [])
    }
    headers = ["保单年度", "储蓄累计保费", "储蓄计划提取", "储蓄退保价值", "IUL累计保费", "IUL账户价值", "IUL身故保障"]
    table = slide.shapes.add_table(
        len(years) + 1,
        len(headers),
        Inches(0.35),
        Inches(1.35),
        Inches(12.6),
        Inches(min(0.52 * (len(years) + 1), 4.9)),
    ).table
    widths = [1.0, 1.65, 1.65, 1.65, 1.65, 1.65, 1.75]
    for index, width in enumerate(widths):
        table.columns[index].width = Inches(width)
    for column, header in enumerate(headers):
        table.cell(0, column).text = header
        _style_cell(table.cell(0, column), bold=True, bg=colors["accent"])
    for row_index, year in enumerate(years, 1):
        savings_row = savings_benefits.get(year, {})
        withdrawal_row = savings_withdrawals.get(year, {})
        iul_row = iul_benefits.get(year, {})
        values = [
            str(year),
            _pending_money(savings_row.get("totalPremiumPaid")),
            _pending_money(withdrawal_row.get("annualWithdrawal")),
            _pending_money(
                withdrawal_row.get("surrenderValueAfter")
                if withdrawal_row else savings_row.get("totalSurrenderValue")
            ),
            _pending_money(iul_row.get("totalPremiumPaid")),
            _pending_money(iul_row.get("totalSurrenderValue")),
            _pending_money(
                iul_row.get("nonGuaranteedDeathBenefit")
                or iul_row.get("guaranteedDeathBenefit")
            ),
        ]
        for column, value in enumerate(values):
            table.cell(row_index, column).text = value
            _style_cell(table.cell(row_index, column), bold=(column == 0))
    add_footer(
        slide,
        "以保单年度和现金流发生年度为主对应；不同受保人年龄不强行对齐。",
        colors=colors,
    )


def add_slide_compare(prs, deck, colors, meta):
    """对比页：多产品对比，支持 1～10 份。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    products = deck.get("products", [])
    title = meta.get("title", "产品对比")
    add_title(slide, title, meta.get("narrativeHint", ""), colors=colors)

    if len(products) < 2:
        # 单产品时显示保证 vs 非保证对比
        product = products[0] if products else {}
        s = _product_summary(product)
        add_fact_card(slide, Inches(0.8), Inches(1.45), Inches(5.45), Inches(2.5),
                      "保证部分", f"保证现金价值\n回本约第 {s['paybackYear'] or '?'} 年\n确定性高",
                      fill_color=colors["accent_light"], colors=colors)
        add_fact_card(slide, Inches(6.95), Inches(1.45), Inches(5.45), Inches(2.5),
                      "非保证部分", f"归原红利 + 终期分红\n长期弹性空间大\n取决于公司投资表现",
                      fill_color=colors["good_light"], colors=colors)
        add_paragraphs(slide, Inches(0.85), Inches(4.5), Inches(11.4), Inches(1.5),
                       ["保证部分是底线，非保证部分是弹性。两者合计才是长期回报的完整图景。"],
                       size=15, bullet=True, colors=colors)
    elif len(products) <= 4:
        # 2～4 产品：卡片网格布局
        card_w = Inches(5.45) if len(products) == 2 else Inches(5.45)
        card_h = Inches(2.5) if len(products) <= 2 else Inches(2.0)
        fill_colors = [colors["accent_light"], colors["good_light"],
                       colors["accent_light"], colors["good_light"]]
        positions = [
            (Inches(0.8), Inches(1.45)),
            (Inches(6.95), Inches(1.45)),
            (Inches(0.8), Inches(3.7)),
            (Inches(6.95), Inches(3.7)),
        ]
        for i, product in enumerate(products):
            s = _product_summary(product)
            x, y = positions[i]
            add_fact_card(slide, x, y, card_w, card_h,
                          s["productName"] or f"产品 {i + 1}",
                          f"年缴 ${money(s['annualPremium'])}\n"
                          f"总投入 ${money(s['totalPremium'])}\n"
                          f"回本约第 {s['paybackYear'] or '?'} 年",
                          fill_color=fill_colors[i % len(fill_colors)], colors=colors)
        bottom_y = Inches(6.0) if len(products) <= 2 else Inches(6.0)
        add_paragraphs(slide, Inches(0.85), bottom_y, Inches(11.4), Inches(1.0),
                       ["对比重点在相同保单年度下的保证价值、总退保价值和回本时间。"],
                       size=15, bullet=True, colors=colors)
    else:
        # 5+ 产品：表格布局
        from pptx.util import Emu
        rows = len(products) + 1
        cols = 5
        table_left, table_top = Inches(0.6), Inches(1.5)
        table_w, table_h = Inches(12.0), Inches(0.4 * rows + 0.2)
        table_shape = slide.shapes.add_table(rows, cols, table_left, table_top, table_w, table_h)
        table = table_shape.table
        headers = ["产品", "年缴保费", "总投入", "回本年", "期末倍数"]
        for c, h in enumerate(headers):
            table.cell(0, c).text = h
            _style_cell(table.cell(0, c), bold=True, bg=colors.get("accent", RGBColor(59, 122, 87)))
        for r, product in enumerate(products, 1):
            s = _product_summary(product)
            values = [
                s["productName"] or f"产品 {r}",
                f"${money(s['annualPremium'])}",
                f"${money(s['totalPremium'])}",
                str(s["paybackYear"] or "-"),
                s["multiple"],
            ]
            for c, v in enumerate(values):
                table.cell(r, c).text = v
                _style_cell(table.cell(r, c), bold=(c == 0))
        add_paragraphs(slide, Inches(0.85), Inches(5.5), Inches(11.4), Inches(1.0),
                       ["以上为各产品在相同口径下的核心指标汇总，具体差异请结合正式计划书逐项核对。"],
                       size=14, bullet=True, colors=colors)

    add_footer(slide, "", colors=colors)


def add_slide_synergy(prs, deck, colors, meta):
    """协同关系页：多产品如何配合，支持 N 份。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    products = deck.get("products", [])
    title = meta.get("title", "协同关系")
    add_title(slide, title, meta.get("narrativeHint", "功能分层，互不冲突"), colors=colors)

    if len(products) >= 2:
        fill_colors = [colors["accent_light"], colors["good_light"],
                       colors["accent_light"], colors["good_light"]]
        if len(products) <= 2:
            # 双产品：左右卡片
            left_p = _product_summary(products[0])
            right_p = _product_summary(products[1])
            left_kind = products[0].get("kind", "savings")
            right_kind = products[1].get("kind", "savings")
            left_label = _kind_label(left_kind)
            right_label = _kind_label(right_kind)
            add_fact_card(slide, Inches(0.8), Inches(1.45), Inches(5.45), Inches(2.05),
                          f"{left_label} 负责", _kind_synergy_left(left_kind, left_p),
                          fill_color=colors["accent_light"], colors=colors)
            add_fact_card(slide, Inches(6.95), Inches(1.45), Inches(5.45), Inches(2.05),
                          f"{right_label} 负责", _kind_synergy_right(right_kind, right_p),
                          fill_color=colors["good_light"], colors=colors)
            add_paragraphs(slide, Inches(0.85), Inches(4.0), Inches(11.3), Inches(2.0),
                           [f"{left_label}和{right_label}不是重复配置，而是功能分层。",
                            "先看谁扛风险，再看谁承接未来目标。"],
                           size=15, bullet=True, colors=colors)
        else:
            # 3+ 产品：垂直列表
            card_h = min(1.3, 4.5 / len(products))
            for i, product in enumerate(products):
                s = _product_summary(product)
                kind = product.get("kind", "savings")
                label = _kind_label(kind)
                y = 1.45 + i * (card_h + 0.15)
                body = _kind_synergy_left(kind, s) if i % 2 == 0 else _kind_synergy_right(kind, s)
                add_fact_card(slide, Inches(0.8), Inches(y), Inches(11.5), Inches(card_h),
                              f"{label}｜{s['productName'] or f'产品 {i + 1}'}",
                              body.replace("\n", "  ·  "),
                              fill_color=fill_colors[i % len(fill_colors)], colors=colors)
            add_paragraphs(slide, Inches(0.85), Inches(5.8), Inches(11.3), Inches(0.8),
                           ["各产品按功能分层配置，不重复承担相同风险。"],
                           size=15, bullet=True, colors=colors)
    else:
        add_paragraphs(slide, Inches(1), Inches(3), Inches(10), Inches(2),
                       ["单产品方案，无需展示协同关系。"],
                       size=16, bullet=False, colors=colors)

    add_footer(slide, "", colors=colors)


def _kind_label(kind):
    return {"savings": "储蓄险", "ci": "重疾险", "iul": "IUL"}.get(kind, "产品")


def _kind_synergy_left(kind, s):
    if kind == "ci":
        return "风险来时，用重疾险扛支出\n储蓄险继续留给家庭\n教育金目标不被打断"
    if kind == "iul":
        return "更高身故保障底盘\n家族传承效率\n晚年流动性与应急缓冲"
    return f"未来现金流节奏\n回本约第 {s['paybackYear'] or '?'} 年\n为教育/成长阶段提供稳健现金流"


def _kind_synergy_right(kind, s):
    if kind == "ci":
        return "家庭防火墙\n先扛风险支出\n保护储蓄不被提前动用"
    if kind == "iul":
        return "长期身故杠杆\n代际传承效率\n现金价值缓冲"
    return f"长期财富累积\n期末倍数 {s['multiple']}\n时间换复利"


def add_slide_conclusion(prs, deck, colors, meta):
    """结论页：总结 + 核心数据，支持 N 份产品。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    products = deck.get("products", [])
    title = meta.get("title", "结论")
    add_title(slide, title, meta.get("narrativeHint", ""), colors=colors)

    if len(products) <= 1:
        product = products[0] if products else {}
        s = _product_summary(product)
        points = []
        if s["paybackYear"]:
            points.append(f"总投入 ${money(s['totalPremium'])}，回本约第 {s['paybackYear']} 年")
        points.append(f"期末退保价值约 ${money(s['finalValue'])}，倍数 {s['multiple']}")
        add_paragraphs(slide, Inches(0.85), Inches(1.5), Inches(6.0), Inches(3.0),
                       points, size=15, bullet=True, colors=colors)
        cards = [
            ("总投入", f"${money(s['totalPremium'])}"),
            ("期末价值", f"${money(s['finalValue'])}"),
            ("倍数", s["multiple"]),
        ]
        for i, (label, value) in enumerate(cards):
            x = Inches(0.9 + i * 2.8)
            add_card(slide, x, Inches(5.0), Inches(2.4), Inches(1.1),
                     label, value, colors=colors, accent=(i == 2))
    else:
        # 多产品：逐产品摘要 + 总览卡片
        lines = []
        for i, product in enumerate(products):
            s = _product_summary(product)
            name = s["productName"] or f"产品 {i + 1}"
            line = f"{name}：投入 ${money(s['totalPremium'])}，回本第 {s['paybackYear'] or '?'} 年，倍数 {s['multiple']}"
            lines.append(line)
        if len(products) >= 2:
            lines.append("组合方案把家庭资产目标拆成不同的功能层")
        add_paragraphs(slide, Inches(0.85), Inches(1.5), Inches(11.4), Inches(3.0),
                       lines, size=14, bullet=True, colors=colors)

        # 指标卡片：展示总投入和产品数
        total_investment = sum(_product_summary(p)["totalPremium"] for p in products)
        cards = [
            ("计划书数量", f"{len(products)} 份"),
            ("总投入", f"${money(total_investment)}"),
            ("对比维度", "按保单年度"),
        ]
        for i, (label, value) in enumerate(cards):
            x = Inches(0.9 + i * 3.8)
            add_card(slide, x, Inches(5.0), Inches(3.2), Inches(1.1),
                     label, value, colors=colors, accent=(i == 2))

    add_footer(slide, "", colors=colors)


def add_slide_closing(prs, deck, colors, meta):
    """结束页：感谢 + 声明。"""
    slide = add_blank_slide(prs)
    add_bg(slide, colors)

    title = meta.get("title", "感谢信任")
    add_textbox(slide, Inches(0.8), Inches(2.0), Inches(11.7), Inches(1.0),
                title, size=36, bold=True, align=PP_ALIGN.CENTER, colors=colors)

    narrative = meta.get("narrativeHint", "方案可继续迭代优化，如有疑问请随时联系。")
    add_textbox(slide, Inches(1.5), Inches(3.5), Inches(10.3), Inches(1.0),
                narrative, size=18, color=colors["muted"],
                align=PP_ALIGN.CENTER, colors=colors)

    add_paragraphs(slide, Inches(2.5), Inches(5.0), Inches(8.3), Inches(1.5),
                   ["本方案用于沟通理解，最终权益以保险公司正式文件为准。",
                    "建议尽快与您的保险经纪人预约时间完成方案确认。"],
                   size=12, bullet=True, color=colors["muted"], colors=colors)


# ─── pageType → builder 映射 ────────────────────────────────

SLIDE_BUILDERS = {
    "cover": add_slide_cover,
    "company": add_slide_company,
    "narrative": add_slide_narrative,
    "guidance": add_slide_guidance,
    "chart": add_slide_chart,
    "comparison_chart": add_slide_comparison_chart,
    "comparison_table": add_slide_comparison_table,
    "timeline": add_slide_timeline,
    "table": add_slide_table,
    "policy_summary": add_slide_policy_summary,
    "compare": add_slide_compare,
    "synergy": add_slide_synergy,
    "cashflow_bridge": add_slide_cashflow_bridge,
    "launch_paths": add_slide_launch_paths,
    "combined_summary": add_slide_combined_summary,
    "alignment_table": add_slide_alignment_table,
    "conclusion": add_slide_conclusion,
    "closing": add_slide_closing,
}

# 默认 pageType 序列（当 DeckContract 无 templateConfig 时使用）
DEFAULT_PAGE_TYPES = {
    "savings": ["cover", "company", "narrative", "chart", "chart", "timeline", "timeline", "table", "table", "conclusion", "closing"],
    "ci": ["cover", "company", "narrative", "chart", "table", "conclusion", "closing"],
    "iul": ["cover", "company", "narrative", "chart", "compare", "table", "conclusion", "closing"],
}


def _resolve_page_types(deck):
    """从 DeckContract 中解析要渲染的页面类型列表。"""
    scenario_slides = deck.get("scenarioSlides", [])
    if scenario_slides:
        return [slide["pageType"] for slide in scenario_slides]
    tc = deck.get("templateConfig", {})
    # 优先从 slidesConfig（管理员配置的逐页数据）中提取顺序
    slides_cfg = tc.get("slidesConfig", [])
    if slides_cfg and isinstance(slides_cfg, list) and len(slides_cfg) > 0:
        if isinstance(slides_cfg[0], dict) and "pageType" in slides_cfg[0]:
            return [s["pageType"] for s in slides_cfg]
    # 其次从 requiredPageTypes（JSON seed 数据）中读取
    page_types = tc.get("requiredPageTypes", [])
    if page_types:
        return page_types
    # 无配置时根据产品类型生成默认序列
    products = deck.get("products", [])
    kind = products[0].get("kind", "savings") if products else "savings"
    return DEFAULT_PAGE_TYPES.get(kind, DEFAULT_PAGE_TYPES["savings"])


# ─── 主渲染函数 ──────────────────────────────────────────────

def render_deck(deck: dict, output_path: str, theme: str = "deepblue") -> dict:
    """渲染 DeckContract 为 PPTX。"""
    colors = THEMES.get(theme, THEMES["deepblue"])

    source_template_path = (
        deck.get("templateConfig", {}).get("sourceTemplatePath")
    )
    if source_template_path and os.path.isfile(source_template_path):
        prs = Presentation(source_template_path)
        while len(prs.slides):
            slide_id = prs.slides._sldIdLst[0]
            prs.part.drop_rel(slide_id.rId)
            del prs.slides._sldIdLst[0]
    else:
        prs = Presentation()
    prs.slide_width = Inches(13.33)
    prs.slide_height = Inches(7.5)

    template_config = deck.get("templateConfig", {})
    slides_config = deck.get("scenarioSlides") or template_config.get("slidesConfig", [])
    page_types = _resolve_page_types(deck)

    slide_errors = []
    for i, page_type in enumerate(page_types):
        builder = SLIDE_BUILDERS.get(page_type)
        if not builder:
            continue
        meta = _slide_meta(slides_config, i, page_type)
        try:
            builder(prs, deck, colors, meta)
        except Exception as e:
            print(f"[warn] slide {i} ({page_type}) failed: {e}", file=sys.stderr)
            slide_errors.append(f"{page_type}: {e}")

    if deck.get("scenarioSlides") and slide_errors:
        raise RuntimeError(
            "required scenario slides failed: " + "; ".join(slide_errors)
        )

    prs.save(output_path)
    file_size = os.path.getsize(output_path)
    slide_count = len(prs.slides)

    return {
        "ok": True,
        "path": output_path,
        "size": file_size,
        "slides": slide_count,
    }


# ─── CLI 入口 ────────────────────────────────────────────────

def main():
    parser = argparse.ArgumentParser(description="Fast PPTX Renderer")
    parser.add_argument("--deck-json", required=True, help="DeckContract JSON 文件路径")
    parser.add_argument("--output", required=True, help="输出 PPTX 文件路径")
    parser.add_argument("--theme", default="deepblue",
                        choices=["deepblue", "caramel", "chinese", "business", "minimal", "ink"],
                        help="主题配色")
    args = parser.parse_args()

    try:
        with open(args.deck_json, "r", encoding="utf-8") as f:
            deck = json.load(f)
        result = render_deck(deck, args.output, args.theme)
        print(json.dumps(result, ensure_ascii=False))
    except Exception as e:
        print(json.dumps({"ok": False, "error": str(e)}, ensure_ascii=False))
        sys.exit(1)


if __name__ == "__main__":
    main()