The question that cleaned up comparing loan offers

Help me compare total cost, fees, rate changes, and early repayment terms across loans.

Context:

• Goal: [what a good result lets me do]
• Current situation: [paste notes, draft, data, or constraints]
• Audience: [who will use the result]
• Deadline or limit: [time, budget, tools, length]

Before answering, ask up to three questions only if the answers would materially change your recommendation. Otherwise, state your assumptions and continue.

Give me:

1. A practical first pass I can use now
2. The main trade-offs or risks
3. The smallest check or test to run next
4. What information would change your answer

Do not assume tax rules or rates. Flag anything that depends on my country or needs professional advice. Use direct language. Keep the result specific to the context I provide.

That is the version I kept. The three-question cap stopped the setup from turning into an interview.