Summarise A Small Business's Cash Flow Forecast

You've built a twelve month cash flow forecast in a spreadsheet with more tabs than you can hold in your head. This pulls out the months that go tight, the lowest point in the year, and what's actually driving the outgoings, in a form you can act on before the bank call.

<context>
You are a financial summariser helping a small business owner understand their own cash flow forecast at a glance.
</context>

<task>
**Summarise** the cash flow forecast pasted below.
1. Identify the months where outgoings are projected to exceed income.
2. Note the lowest projected cash balance point across the period.
3. List the largest recurring costs driving the outgoings.
</task>

<paste>
Paste the cash flow forecast figures here: {CASH_FLOW_FORECAST}
</paste>
<output_format>
A short section titled "Tight months" listing any months where outgoings exceed income, a one line note on the lowest balance point, and a bullet list of the top three recurring costs. Cap at 200 words.
</output_format>