baodan/api/insurance/poster/content_builder.py

"""海报内容构建器 — 将计划书和小册子数据组装为单图/长图模块。"""
import logging

logger = logging.getLogger(__name__)


def build_poster_content(
    parsed_data: dict,
    product_rules: dict,
    output_mode: str = "single",
    plan_type: str = "other",
) -> dict:
    """组装海报内容模块。

    参数:
        parsed_data: 计划书解析数据（含 benefit_table）
        product_rules: 产品小册子解析数据（含 features 来源页）
        output_mode: 'single' 或 'long'

    返回:
        结构化的海报内容 dict，供前端 PosterHtmlCanvas 使用
    """
    from insurance.poster.field_profiles import get_field_profile

    profile = get_field_profile(plan_type, output_mode)
    features = _build_features(product_rules)[:profile["maxFeatureCount"]]
    benefit_table = _select_benefit_rows(
        _build_benefit_table(parsed_data),
        profile["milestoneYears"],
        profile["outputMode"],
    )
    if profile["planType"] in ("ci", "other"):
        benefit_table = []

    content = {
        "summary": _build_summary(parsed_data),
        "features": features,
        "benefit_table": benefit_table,
        "bonus_mechanism": product_rules.get("bonus_mechanism", ""),
        "flexible_options": product_rules.get("flexible_options", []),
        "risk_warnings": product_rules.get("risk_warnings", []),
        "investment_rules": product_rules.get("investment_rules", {}),
        "currency_options": product_rules.get("currency_options", []),
        "data_completeness": _assess_completeness(parsed_data, product_rules),
        "field_profile": profile,
        "warnings": _profile_warnings(profile, parsed_data, product_rules),
    }
    return content


def _select_benefit_rows(rows: list, milestone_years: list[int], output_mode: str) -> list:
    """按画像裁剪年度数据，绝不把完整利益表塞进单图。"""
    if not rows or not milestone_years:
        return []
    ordered = sorted(rows, key=lambda row: row.get("year") or 0)
    selected = [row for row in ordered if row.get("year") in milestone_years]
    if output_mode == "single":
        return (selected or ordered)[:1]

    # 命中部分里程碑时，用原表中的真实年度补足图表最低三行；不插值、不编造。
    target_count = min(6, len(ordered))
    if len(selected) < target_count:
        if target_count == 1:
            representative = ordered
        else:
            representative = [
                ordered[round(index * (len(ordered) - 1) / (target_count - 1))]
                for index in range(target_count)
            ]
        selected_years = {row.get("year") for row in selected}
        for row in representative + ordered:
            if row.get("year") not in selected_years:
                selected.append(row)
                selected_years.add(row.get("year"))
            if len(selected) >= target_count:
                break
    return sorted(selected, key=lambda row: row.get("year") or 0)[:6]


def _profile_warnings(profile: dict, parsed_data: dict, product_rules: dict) -> list[str]:
    warnings = []
    if profile["planType"] == "ci" and profile["outputMode"] == "long":
        if not product_rules.get("coverage_highlights"):
            warnings.append("保障列表为空，已使用简版长图")
    if profile["outputMode"] == "long" and profile["planType"] in ("savings", "iul"):
        rows = _build_benefit_table(parsed_data)
        if len(rows) < 3:
            warnings.append("利益演示数据不足，已隐藏年度图表")
    return warnings


def _build_summary(parsed_data: dict) -> dict:
    """构建客户摘要卡片数据。"""
    return {
        "age": parsed_data.get("age"),
        "gender": parsed_data.get("gender"),
        "smoking_status": parsed_data.get("smoking_status"),
        "currency": parsed_data.get("currency"),
        "sum_assured": parsed_data.get("sum_assured"),
        "basic_sum_assured": parsed_data.get("basic_sum_assured"),
        "annual_premium": parsed_data.get("annual_premium"),
        "basic_plan_annual_premium": parsed_data.get("basic_plan_annual_premium"),
        "total_premium": parsed_data.get("total_premium"),
        "first_year_amount_due": parsed_data.get("first_year_amount_due"),
        "premium_term": parsed_data.get("premium_term"),
        "coverage_period": parsed_data.get("coverage_period"),
        "initial_death_benefit": parsed_data.get("initial_death_benefit"),
        "surrender_value_10": parsed_data.get("surrender_value_10"),
        "surrender_value_20": parsed_data.get("surrender_value_20"),
        "surrender_value_30": parsed_data.get("surrender_value_30"),
    }


def _build_features(product_rules: dict) -> list:
    """构建产品亮点列表，保留来源页码。

    优先使用小册子提取的 features（带 source_page），
    如果小册子无数据，回退到计划书的 key_benefits。
    """
    features = product_rules.get("features", [])
    if features:
        result = []
        for f in features[:8]:
            item = {
                "title": f.get("title", ""),
                "summary": f.get("summary", ""),
                "source_page": f.get("source_page"),
            }
            if item["title"]:
                result.append(item)
        return result

    # 回退：使用计划书的 key_benefits
    return []  # 由调用方从 parsed_data.key_benefits 补充


def _build_benefit_table(parsed_data: dict) -> list:
    """构建利益演示表数据（供图表组件使用）。"""
    table = (
        parsed_data.get("benefit_table")
        or parsed_data.get("benefit_illustration")
        or []
    )
    result = []
    for row in table:
        entry = {
            "year": row.get("year") or row.get("policy_year") or row.get("policyYear") or 0,
            "guaranteed": row.get("guaranteed_cash_value") or row.get("guaranteed_csv") or row.get("guaranteedCashValue") or row.get("guaranteed") or 0,
            "nonGuaranteed": row.get("non_guaranteed_cash_value") or row.get("non_guaranteed") or row.get("nonGuaranteed") or 0,
            "totalSurrender": row.get("total_surrender_value") or row.get("total_surrender") or row.get("totalSurrenderValue") or row.get("total") or 0,
            "deathBenefit": row.get("death_benefit") or row.get("deathBenefit") or 0,
        }
        if entry["year"] > 0:
            result.append(entry)

    by_year = {int(row["year"]): row for row in result}
    for year in (10, 20, 30):
        explicit_value = parsed_data.get(f"surrender_value_{year}")
        if explicit_value is None:
            continue
        if year not in by_year:
            by_year[year] = {
                "year": year,
                "guaranteed": 0,
                "nonGuaranteed": 0,
                "totalSurrender": explicit_value,
                "deathBenefit": 0,
            }
            result.append(by_year[year])
        else:
            by_year[year]["totalSurrender"] = explicit_value
    return result


def _assess_completeness(parsed_data: dict, product_rules: dict) -> dict:
    """评估数据完整度，决定哪些模块应显示。

    返回:
        {field: bool} 表示各模块是否有足够数据
    """
    has_benefit_table = bool(parsed_data.get("benefit_table") or parsed_data.get("benefit_illustration"))
    benefit_rows = parsed_data.get("benefit_table") or parsed_data.get("benefit_illustration") or []

    return {
        "has_summary": bool(parsed_data.get("age") or parsed_data.get("sum_assured")),
        "has_benefit_chart": has_benefit_table and len(benefit_rows) >= 3,
        "has_features": bool(product_rules.get("features")),
        "has_currency_options": bool(product_rules.get("currency_options")),
        "has_bonus": bool(product_rules.get("bonus_mechanism")),
        "has_flexible_options": bool(product_rules.get("flexible_options")),
        "has_risk_warnings": bool(product_rules.get("risk_warnings")),
    }