补来源：第 29 节第 12 条（变故后的头三个月，凡是不可逆的大决定一律往后推）

2026-10-10。原条目来源栏写「作者经验，无直接文献」，证据等级 C。本轮补了三份能逐字核对的原文，等级改为 B。条目标题、成本标签、说人话都没动。

补进来的来源

URL：https://www.nia.nih.gov/health/grief-and-mourning/coping-grief-and-loss
线索给的旧地址 /mourning-death-spouse 还能返回内容，但页面 canonical 已指向上面这个地址，来源栏写 canonical。页面 JSON-LD：datePublished 2017-06-03，dateModified 2026-01-26。
取法：Git Bash curl 带代理 -x http://127.0.0.1:7890 加浏览器 UA，HTTP 200。
原文（逐字）：
- 「People who are grieving often cry easily and can have: Trouble sleeping Little interest in food Problems with concentration A hard time making decisions」
- （小标题）「Postpone major decisions if possible」，正文「If you have a choice, delay major life decisions until you are feeling better. It's better to avoid making a big change, such as selling your home or leaving your job, when you are grieving and perhaps not thinking clearly.」
注意：NIA 没给具体时长。网上流传的「丧偶后一年内别做大决定」本轮没在 NIA 原文里找到，没写。

DOI 10.1177/0956797612450302，PMID 23150274，Psychological Science 24(1):72-79。摘要取自 Europe PMC。
摘要原文：「In three experiments, we randomly assigned participants to sad- and neutral-state conditions, and then offered intertemporal choices.」「Relative to median neutral-state participants, median sad-state participants accepted 13% to 34% less money immediately to avoid waiting 3 months for payment.」「Experiment 3 revealed that sadness made people more present biased (i.e., wanting something immediately), but not globally more impatient.」
局限：是实验室里诱发的伤心，不是真实丧亲；终点是选择偏好，不是实际财产结局。条目里写明了「不是真的丧亲」。

URL：https://consumer.ftc.gov/consumer-alerts/2023/06/imposters-prey-families-preparing-funeral-loved-one
作者 Alvaro Puig，2023-06-15。curl 只拿到 1.3 KB 壳页，无头 Chrome 带代理能取正文。
原文：「The imposters pretend to be from the funeral home and say that, unless the family pays more money immediately, the funeral will be canceled.」「Resist the pressure to act immediately. Honest businesses will give you time to make a decision.」

「应激与决策」综述（如 Starcke & Brand 2012）：讲的是急性应激对实验任务的影响，和丧亲后几个月的财产决策隔得远，没加。
Europe PMC 检索「bereavement/widowhood + financial decision / fraud」：没找到直接看丧亲后财务决策质量或被骗率的研究，命中的多是老人被骗的一般风险因素。
CFPB、英国 NHS、Cruse：本轮没取到含「推迟大决定」的原文页；Cruse 是慈善机构不是官方机构，按规则也不优先。
FBI 的 Funeral and Cemetery Fraud 页：curl 只拿到约 6 KB 壳页，FTC 那篇已经够用，没再追。