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# Honey Orange Memo · Finance STYLE DESIGN SYSTEM
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## PART A — Category Baseline (universal floor)
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Institutional-grade investment research presentations, benchmarked against top-tier fund research reports, due diligence, and strategy outlooks (bulge-bracket bank and sovereign wealth fund standards). Chart-heavy, text-dense, more report-like than consulting decks: arguments are carried by Excel-style financial model tables (three-statement models, scenario analyses, sensitivity grids). Every number traceable, every assumption explicit, every conclusion actionable.
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Content and layout:
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1. Thesis-driven structure: deal decks run "Summary → Investment highlights → Target/Market → Business plan/Financial diagnostics → Valuation and returns → Risks and mitigants → Decision request"; research outlooks run "Core stance → Evidence → Scenario analysis → Allocation recommendation". The ending must land on an explicit decision or stance.
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2. Tables are the protagonist: valuation ranges, comparable companies, three financial statements, scenario analyses, sensitivity grids, with Excel financial-model row/column discipline (assumption columns, driver rows, and check rows clearly distinguished); charts serve the numbers (football-field valuation charts, IRR bridges, waterfall attributions, scenario fan charts) and are never decorative.
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3. High but ordered density: multi-column layouts with clear information hierarchy; each page answers one investment-committee question; density comes from evidence modules, not walls of text.
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Visual style:
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1. Aesthetic: restrained, authoritative, compliance-clean. No lifestyle photography, no decorative icons, no marketing superlatives.
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2. Typography: use serif for titles when institutional gravitas is needed; sans serif for table body text, chart labels, and all numerals; numbers are always column-aligned.
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3. Color: a conservative institutional palette — navy/charcoal structural colors, one restrained accent (e.g., gold or signal blue) reserved for key figures and recommended actions; positive/negative signs use one consistent red-green pair, expressing financial meaning only.
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4. Graphics: thin table rules, precise vector chart lines, fine connector lines on bridge charts; no 3D, no shadows, and gradient fills are not a routine chart language.
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Structure and discipline (distilled from the artifacts we consider benchmarks):
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1. Every body-page title must be a complete investment assertion (e.g., "This asset will reprice on capacity scarcity" — not "Market overview"), with a one-line subtitle stating scope and how to read the page.
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2. Every number carries unit, as-of date, and basis; estimates must be labeled (illustrative / internal estimate); no bare numbers.
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3. Returns are given only as scenario ranges (bear/base/bull, with probabilities or driving assumptions) — never a single-point IRR; any valuation conclusion must be paired with a sensitivity table.
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4. Assumptions must be made explicit in boxes, placed on the page where the conclusion depends on them; hidden assumptions are treated as defects.
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5. Risks and mitigants appear in pairs (risk → probability/impact → mitigant → owner/status); a page with risks but no mitigants is a defect.
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6. Valuation pages must be anchored: comparable companies, precedent transactions, or a DCF cross-check — a multiple without a reference set is not evidence.
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7. Parallel evidence runs in 2–3 equal-width columns; numbered arguments each carry a one-line bolded claim plus one short proof sentence.
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8. Chart annotation discipline: data labels attached to marks, bridge-chart connector blocks labeled block by block, forecast segments dashed, key drivers named inside the chart; charts may not rely on legends alone.
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9. The ending must land on a decision or stance: items submitted for decision (approve / reject / conditionally approve) or an explicit allocation stance (overweight / underweight / range), with a to-do list and timeline — never close with a thank-you page.
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Default baseline (distilled from the layout skill; PART B may override): numbers first — key metrics (amounts / growth rates / multiples) must be set larger than body text and presented standalone, immediately adjacent to unit and basis; keep at least one class of high-density financial table (three statements / comps / sensitivity), with right-aligned numbers, thousands separators, and negative-number conventions unified deck-wide; positive/negative semantic colors fixed — up/positive and down/negative each use one fixed color that never changes across the deck; forecast and history must be visually distinguishable (dashes / light tints / hatched bands) and labeled with the basis; every page carries source, basis, and time range in small gray type at the page bottom — numbers without sources are not allowed in the main visual area; a single temperament per deck (dark navy/charcoal with metallic accents OR traditional white ground with blue-gray) — pick one per deck.
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**Title read-through test**: reading only the page titles across the deck should tell the complete story; if the titles do not read through, the structure has not been established.
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Density anchor: each style's specific floor (evidence modules per page, chart count, annotation habits) follows the 【Density Baseline】 reverse-engineered from that style's source material — this baseline imposes no uniform numbers.
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### Global Prohibitions (AI default routines · mandatory)
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1. **No default cards**: unless the user explicitly requests it, never use rounded rectangles or rectangular cards to build hierarchy or alignment — containers that serve an information function (status lights, assumption boxes, quote frames) do not count as cards. Rules, whitespace, and differences in type size and weight are the better tools.
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2. **No evenly split compositions**: unless no other layout is truly available, do not default to three-way splits, four-way splits, or 2×2 matrices — even splits must be justified by content structure (three scenarios naturally take three columns; frameworks explicitly named by the content are exempt).
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3. **No unjustified AI color schemes**: institutional palettes specified in the content are exempt; what is banned are bland, common, unjustified default colors — blue-purple gradients, cyan-purple neon, rainbow flares, glass cards, glowing borders.
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4. **No elements that clash with the overall style**: nothing outside the style system may appear — for example, rounded icons or rounded rectangles in a sharp style.
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5. **Transparent chart backgrounds**: transparent or the page background color, except reverse-white treatments on dark grounds.
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6. **No regional blank space**: the body content area keeps no swaths of blank space; any planned region must be filled with real content — failing to fill it is the most severe form of sloppiness.
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## PART B — Signature System (this template's signature; where it conflicts with PART A, this section governs)
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One-line style signature: an investment-committee, report-style financial tone; warm-white ground, deep navy skeleton, bright orange anchors, cool blue and light peach as support — high information density with clear layering.
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【Color Palette】
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Background approx. #FAF8F6, with white #FFFFFF reserved for tables or note areas; primary text #4D4D55; titles and primary accent #FF6600; left structural rail approx. #FF5703. Deep structural color #172856 for active navigation segments, table headers, side labels, and argument bands; supporting #25408B and #579DB7 for series and comparisons; #FFE0CC and #96C2D2 for note blocks or row groups; #A6A6A6/#D9D9D9 as separators only. Chart series map orange → deep blue → cyan-blue; forecast segments switch to light tints or textures; positive/negative fixed at #008000 / #C00000, expressing financial direction only. Hold 4–6 meaningful hues per page; orange must not blanket the body.
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【Layout Skeleton】
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Source facts: 960×540 pt, 16:9. Nearly every page has a full-height left orange rail; standard pages carry a five-segment chevron navigation at top — current segment deep blue, the rest gray. The title area sits upper-left: bold orange title ~28 pt, gray subtitle ~16 pt, body starting at ~110 pt height; the body favors left chart/table + right commentary, an upper conclusion band over a lower evidence band, or three columns. The footer keeps only source/notes and page number. Section pages (5 in total) carry only a large orange number + deep blue title; the cover is a special case — full-bleed dark photography, deep navy overlay, white title, and an orange date block — and is not reused in body pages.
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【Typography】
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Source uses the sans-serif Arial family: ArialMT for body, Arial-BoldMT for titles/emphasis, a little Helvetica-Bold in footers; no stable serif observed. Body 10.6–11 pt = 1x, subtitles 16 pt ≈ 1.45x, regular titles 28 pt ≈ 2.5x, section numbers/titles 44 pt ≈ 4x, key large numbers 16–32 pt ≈ 1.5–3x, footnotes 7–8 pt ≈ 0.65–0.75x. Titles, conclusion bands, and key figures use bold; CAGR, multiples, and units may use italics; English abbreviations and years do not switch fonts.
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【Chart Language】
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Actual types: historical/forecast stacked columns and lines, event-annotated price lines, driver bridge charts, sensitivity matrices, comparable-company tables, historical/forecast financial tables, risk matrices, process cycle diagrams. ⭐ Forecast segmentation: table headers grouped in gray/deep blue/orange, forecast cells with light tints or hatching, CAGR and key years labeled directly on charts. ⭐ Event line charts: thin orange frames hung directly off data points. ⭐ Bridge charts: drivers color-coded, terminal value as a tall orange bar, with an item-by-item explanation row below. ⭐ Sensitivity matrices: deep-blue row/column headers, the base case circled with a green dashed line or orange border. ⭐ Financial model tables: multi-level headers, with grouped rows and total rows distinguished by gray/orange/light-yellow fills.
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【Signature Components】
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Fixed components are the five-segment chevron navigation and the left orange rail; deep-blue horizontal title bands with white text, about 2–5 per page. Orange numbered circles / lettered circles attach to the left end of argument bands — no more than 6 per argument page. Deep-blue, orange, and light-blue side labels head risk/stage/status rows without pressing into the body. Light-orange or light-blue note blocks carry only assumptions or commentary, 1–3 per page. Cycle flywheels and dashed rounded process frames are occasional components, appearing only on process pages.
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【Prohibited】
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No flattening the chevron navigation into straight tabs, and no removing the left orange rail; no expanding orange into large background areas; no body photography or decorative illustration — photography lives only on the cover; no stuffing charts or long text into section pages; no rounded containers without an information function — a few dashed rounded frames on process pages are the only occasional exception.
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【Slide Types and Layouts】
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Argument–evidence band page | one assertion with 3–6 proofs | title area + horizontal deep-blue argument band, or 60/40 left-right | 3–6 blocks | numbered circles, title bands | not suited to line-by-line financial detail.
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High-density chart–commentary page | markets, trends, customers, returns | charts 60–70%, commentary 30–40% | 2–4 charts + 2–5 commentary blocks | direct labels, orange event frames | not suited to pure narrative.
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Financial model / comps table page | history and forecast, comps, sensitivity | main table 60–85%, commentary right or below | 1 main table + 1 commentary area | multi-level headers, light-yellow total rows | not suited to abstract processes.
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Risk / plan matrix page | risks–mitigants, status–actions | left category column 15–20%, evidence in the middle, actions/timing on the right | 4–8 rows | colored side labels, probability or scoring color scales | not suited to unprioritized long checklists.
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Proposition list page (occasional) | multiple premises advancing in sequence | deep-blue vertical column at left, numbered list stacked at right | 4–6 items | orange numbered circles | not suited to dense data tables.
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【Density Baseline】
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Most body content occupies about 70–85% of the canvas. Argument pages: 3–6 evidence blocks. Chart pages: 2–4 charts, with columns, points, terminal values, and key differences labeled directly, forecast segments in light tints/hatching; explanation text in 2–5 blocks of about 40–120 words/characters equivalent each. Financial model pages center on one main table occupying 60–85% of the width, with 4–8 short comments to the right/below. Whitespace concentrates between title and subtitle, between modules, and in the outer margins; the body keeps no unexplained swaths of blank space — only section pages may hold large whitespace.
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