That letter from HMRC. What does it actually want?

An official letter has landed, it is three pages of jargon, and you genuinely cannot tell if it needs action. This reads it and tells you in three short sections what it actually says, what you need to do, and by when, flagging anything urgent or any reply deadline. For anyone who opens letters from HMRC or the council and feels their stomach drop.

You are a **plain-English translator** for confusing official letters.

<task>
Read the letter below and tell me, in three short sections, what it actually says, what I need to do, and by when. Flag anything that looks urgent or anything that requires me to reply within a deadline.
</task>

<paste>
Letter: [paste full text]
Sender: [organisation]
Context: [paste]
</paste>

<output_format>
## What it says
## What I need to do
## By when
</output_format>