重构决策检查模块：提取冷静期检查和理性检查清单到独立模块，优化显示逻辑和代码可维护性

components/DecisionChecks.tsx

@@ -0,0 +1,133 @@
+import React from 'react';
+import { AlertTriangle, Clock, Brain } from 'lucide-react';
+import { 
+  getCooldownChecks, 
+  getRationalChecklist, 
+  getScoreBasedReminders, 
+  getRecommendedWaitTime,
+  CooldownCheckItem,
+  RationalCheckItem 
+} from '../utils/decisionChecks';
+
+interface DecisionChecksProps {
+  productPrice: string;
+  adjustments: { discount: boolean };
+  score: number;
+}
+
+const DecisionChecks: React.FC<DecisionChecksProps> = ({ 
+  productPrice, 
+  adjustments, 
+  score 
+}) => {
+  const cooldownChecks = getCooldownChecks(productPrice, adjustments, score);
+  const rationalChecklist = getRationalChecklist();
+  const scoreReminders = getScoreBasedReminders(score);
+  const waitTime = getRecommendedWaitTime(parseInt(productPrice) || 0, score);
+
+  const getCheckIcon = (type: CooldownCheckItem['type']) => {
+    switch (type) {
+      case 'error': return '🔴';
+      case 'warning': return '⚠️';
+      case 'info': return 'ℹ️';
+      default: return '•';
+    }
+  };
+
+  const getCheckBgColor = (type: CooldownCheckItem['type']) => {
+    switch (type) {
+      case 'error': return 'bg-red-50 border-red-200';
+      case 'warning': return 'bg-yellow-50 border-yellow-200';
+      case 'info': return 'bg-blue-50 border-blue-200';
+      default: return 'bg-gray-50 border-gray-200';
+    }
+  };
+
+  const getCheckTextColor = (type: CooldownCheckItem['type']) => {
+    switch (type) {
+      case 'error': return 'text-red-800';
+      case 'warning': return 'text-yellow-800';
+      case 'info': return 'text-blue-800';
+      default: return 'text-gray-800';
+    }
+  };
+
+  const getCategoryIcon = (category: RationalCheckItem['category']) => {
+    switch (category) {
+      case 'financial': return '💰';
+      case 'necessity': return '🎯';
+      case 'social': return '👥';
+      case 'risk': return '⚡';
+      default: return '❓';
+    }
+  };
+
+  const shouldShowCooldownChecks = productPrice && (cooldownChecks.length > 0 || scoreReminders.length > 0);
+
+  return (
+    <div className="space-y-6">
+      {/* 冷静期检查 */}
+      {shouldShowCooldownChecks && (
+        <div className="bg-yellow-50 border border-yellow-200 rounded-lg p-4">
+          <h4 className="font-semibold text-yellow-800 mb-3 flex items-center gap-2">
+            <AlertTriangle size={18} />
+            冷静期检查
+          </h4>
+          
+          {(cooldownChecks.length > 0 || parseInt(productPrice) > 0) && (
+            <div className="mb-3 p-2 bg-yellow-100 rounded text-sm text-yellow-700">
+              <Clock size={16} className="inline mr-1" />
+              <strong>{waitTime}</strong>
+            </div>
+          )}
+
+          {cooldownChecks.length > 0 && (
+            <div className="space-y-2 mb-3">
+              {cooldownChecks.map((check, index) => (
+                <div key={index} className={`p-2 border rounded text-sm ${getCheckBgColor(check.type)}`}>
+                  <div className={`flex items-center gap-2 ${getCheckTextColor(check.type)}`}>
+                    <span>{getCheckIcon(check.type)}</span>
+                    <span>{check.message}</span>
+                  </div>
+                </div>
+              ))}
+            </div>
+          )}
+
+          {scoreReminders.length > 0 && (
+            <div className="pt-2 border-t border-yellow-300">
+              {scoreReminders.map((reminder, index) => (
+                <div key={index} className="text-sm text-yellow-700 flex items-center gap-2">
+                  <Brain size={14} />
+                  {reminder}
+                </div>
+              ))}
+            </div>
+          )}
+        </div>
+      )}
+
+      {/* 理性检查清单 */}
+      <div className="bg-blue-50 border border-blue-200 rounded-lg p-4">
+        <h4 className="font-semibold text-blue-800 mb-3 flex items-center gap-2">
+          <Brain size={18} />
+          理性检查清单
+        </h4>
+        <div className="space-y-2">
+          {rationalChecklist.map((item, index) => (
+            <div key={index} className="flex items-start gap-2 text-sm text-blue-700">
+              <span className="mt-0.5">{getCategoryIcon(item.category)}</span>
+              <span>□ {item.question}</span>
+            </div>
+          ))}
+        </div>
+        
+        <div className="mt-3 pt-2 border-t border-blue-300 text-xs text-blue-600">
+          💡 建议逐一思考上述问题，每个问题花费1-2分钟
+        </div>
+      </div>
+    </div>
+  );
+};
+
+export default DecisionChecks; 

page.tsx

@@ -1,5 +1,6 @@
 import React, { useState, useMemo } from 'react';
 import { Calculator, ShoppingCart, TrendingUp, Shield, Clock, Heart, AlertTriangle, Settings } from 'lucide-react';
+import DecisionChecks from './components/DecisionChecks';
 
 const PurchaseDecisionCalculator = () => {
   const [productName, setProductName] = useState('');
@@ -224,9 +225,9 @@ const PurchaseDecisionCalculator = () => {
     ],
     D2: [
       { value: 0, label: "无收益" },
-      { value: 1, label: "小幅改善" },
-      { value: 2, label: "改善健康" },
-      { value: 3, label: "提升技能" },
+      { value: 1, label: "稍有益处" },
+      { value: 2, label: "提升技能" },
+      { value: 3, label: "改善健康" },
       { value: 4, label: "节省成本" },
       { value: 5, label: "带来收入" }
     ],
@@ -640,37 +641,12 @@ const PurchaseDecisionCalculator = () => {
         {/* 结果面板 */}
         <div className="space-y-6">
 
-          {/* 冷静期检查 */}
-          {productPrice && (
-            <div className="bg-yellow-50 border border-yellow-200 rounded-lg p-4">
-              <h4 className="font-semibold text-yellow-800 mb-2 flex items-center gap-2">
-                <AlertTriangle size={18} />
-                冷静期检查
-              </h4>
-              <div className="text-sm text-yellow-700 space-y-1">
-                {parseInt(productPrice) > 5000 && (
-                  <div>• 大额支出 → 建议等待24小时</div>
-                )}
-                {adjustments.discount && (
-                  <div>• 限时促销 → 验证真实性和退换政策</div>
-                )}
-                {calculateScore >= 75 && calculateScore < 85 && (
-                  <div>• 高分但未到闭眼入手 → 找朋友独立评分</div>
-                )}
-              </div>
-            </div>
-          )}
-
-          {/* 理性检查清单 */}
-          <div className="bg-blue-50 border border-blue-200 rounded-lg p-4">
-            <h4 className="font-semibold text-blue-800 mb-2">理性检查清单</h4>
-            <div className="text-sm text-blue-700 space-y-2">
-              <div>□ 不买的话现有的能坚持多久？</div>
-              <div>□ 这笔钱理财一年后能有多少？</div>
-              <div>□ 家人知道价格会怎么说？</div>
-              <div>□ 买了还有钱应对意外吗？</div>
-            </div>
-          </div>
+          {/* 决策检查组件 */}
+          <DecisionChecks 
+            productPrice={productPrice}
+            adjustments={adjustments}
+            score={calculateScore}
+          />
 
           {/* 操作按钮 */}
           <div className="space-y-3">

utils/decisionChecks.ts

@@ -0,0 +1,125 @@
+// 冷静期检查项目类型
+export interface CooldownCheckItem {
+  condition: boolean;
+  message: string;
+  type: 'warning' | 'info' | 'error';
+}
+
+// 理性检查清单项目类型
+export interface RationalCheckItem {
+  question: string;
+  category: 'financial' | 'necessity' | 'social' | 'risk';
+}
+
+// 冷静期检查逻辑
+export function getCooldownChecks(
+  productPrice: string, 
+  adjustments: { discount: boolean }, 
+  score: number
+): CooldownCheckItem[] {
+  const checks: CooldownCheckItem[] = [];
+  
+  const price = parseInt(productPrice) || 0;
+  
+  // 如果没有输入价格，直接返回空数组
+  if (!productPrice || price <= 0) {
+    return checks;
+  }
+  
+  // 大额支出检查
+  if (price > 5000) {
+    checks.push({
+      condition: true,
+      message: "大额支出 → 建议等待24小时",
+      type: 'warning'
+    });
+  }
+  
+  // 限时促销检查
+  if (adjustments.discount) {
+    checks.push({
+      condition: true,
+      message: "限时促销 → 验证真实性和退换政策",
+      type: 'warning'
+    });
+  }
+  
+  // 高分但未达到闭眼入手检查
+  if (score >= 75 && score < 85) {
+    checks.push({
+      condition: true,
+      message: "高分但未到闭眼入手 → 找朋友独立评分",
+      type: 'info'
+    });
+  }
+  
+  // 超高价格警告
+  if (price > 20000) {
+    checks.push({
+      condition: true,
+      message: "超高价格 → 建议等待一周并咨询专业人士",
+      type: 'error'
+    });
+  }
+  
+  return checks;
+}
+
+// 理性检查清单
+export function getRationalChecklist(): RationalCheckItem[] {
+  return [
+    {
+      question: "不买的话现有的能坚持多久？",
+      category: 'necessity'
+    },
+    {
+      question: "这笔钱理财一年后能有多少？",
+      category: 'financial'
+    },
+    {
+      question: "家人知道价格会怎么说？",
+      category: 'social'
+    },
+    {
+      question: "买了还有钱应对意外吗？",
+      category: 'risk'
+    },
+    {
+      question: "一个月后还会想要这个产品吗？",
+      category: 'necessity'
+    },
+    {
+      question: "有没有更便宜的替代方案？",
+      category: 'financial'
+    }
+  ];
+}
+
+// 根据分数获取额外的理性提醒
+export function getScoreBasedReminders(score: number): string[] {
+  const reminders: string[] = [];
+  
+  if (score < 50) {
+    reminders.push("分数较低，建议重新考虑是否真的需要");
+  }
+  
+  if (score >= 50 && score < 65) {
+    reminders.push("分数中等，建议等待更好的时机或价格");
+  }
+  
+  if (score >= 85) {
+    reminders.push("分数很高，但仍建议确认预算充足");
+  }
+  
+  return reminders;
+}
+
+// 获取冷静期建议的等待时间
+export function getRecommendedWaitTime(price: number, score: number): string {
+  if (price > 50000) return "建议等待2周";
+  if (price > 20000) return "建议等待1周";
+  if (price > 10000) return "建议等待3天";
+  if (price > 5000) return "建议等待24小时";
+  if (score < 65) return "建议等待1天冷静思考";
+  return "可以立即决策";
+}