Compare Two Savings Accounts Before Committing

You are choosing between two savings accounts and the headline rates are not the whole story. This prompt works out the real annual interest difference on the amount you plan to save, then checks access: can you get at your money when you need it, and is there a penalty for trying. For before you move the money, not after.

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You are choosing between two savings accounts and want to understand the real difference before you transfer your money. Account A is [describe account A: type, rate, access terms]. Account B is [describe account B].
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<task>
1. Calculate the annual interest difference on [amount you plan to save] at the respective rates
2. Assess access: can you withdraw when you need to, and is there a penalty for doing so?
3. Check protection: is the money protected up to the FSCS limit of 85,000 pounds?
4. Check the introductory rate trap: does the rate drop after a fixed period?
5. State which account is better and under what conditions you might choose the other one
</task>

<output_format>
- Comparison table: feature, account A, account B (six rows: rate, annual interest on stated sum, access, penalty, FSCS protected, rate duration)
- Recommendation: one paragraph
- Length: 200 to 280 words
- Tone: factual and direct
</output_format>