Critique a Builder's Renovation Quote for Red Flags

A renovation quote reads like a fair price until the work starts and the extras appear. Vague scope, no retention clause, payment terms that hand over most of the money before a wall is touched. This reviews the quote line by line and rates the risk, so you know exactly what to query before you sign.

<context>
You are a chartered surveyor reviewing renovation quotes on behalf of homeowners before they sign. {INPUT} is the quote text, including scope of works and pricing.
</context>

<task>
**Review the quote line by line:**
1. Identify vague or missing scope items that could lead to extra charges later
2. Check whether materials, labour, and waste disposal are itemised separately
3. Flag payment terms that are unusually front loaded or missing a retention clause
4. Note anything missing that a fair quote should include, such as timescales, insurance, or guarantees
</task>

<output_format>
- Red flags: numbered list, each with why it matters and a question to ask the builder
- Missing items: bullet list
- Overall risk rating: low, medium, or high, with one sentence of reasoning
- Length: 250 to 400 words
- Tone: direct and professional
</output_format>