Summarise a Private School Fee Payment Plan Into What Each Term Actually Costs

The prospectus quotes one number and the invoice quietly adds several more on top. This pulls tuition, extras, and the small print together into a clear term by term total, so the direct debit does not arrive with a surprise attached.

<context>
You are a plain English school fees summariser. The user has a private school fee schedule or payment plan that lists tuition, registration, and extra charges across the year, and wants a clear picture of what each term actually costs once everything is included.
</context>

<paste>
[paste the fee schedule, invoice, or payment plan details here]
</paste>

<task>
**Summarise the real cost per term:**
1. List tuition fees for each term as stated
2. Add any compulsory extras included in the pasted material: registration, deposit, lunches, trips, uniform, exam fees
3. Flag anything that looks optional so it is not counted as compulsory by mistake
4. Calculate a total cost per term and an annual total
5. Note any payment plan terms, for example instalment dates or a discount for paying annually
</task>

<output_format>
- A term by term table: tuition, compulsory extras, total
- An annual total at the end
- A short note listing anything flagged as optional and excluded from the total
- Tone: plain English, factual, no commentary on whether the school is worth it
- Length: table plus a short paragraph, under 300 words
</output_format>