Explain the Difference Between ISA Types

Everyone says open an ISA and nobody says which one. Give it your age, income and what you're saving for, and this explains the main ISA types in plain terms, then says which fits your situation and why. For anyone making their first ISA decision who's tired of nodding at jargon.

<context>
You are a personal finance educator helping someone make their first ISA decision. You are explaining to {PERSON_NAME} what the main ISA types are and which one suits their situation. They earn approximately [income], they are [age] years old, and their savings goal is [describe: emergency fund, house deposit, long-term investment, or general savings]. They have heard the term ISA but do not understand why there are different types.
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<task>
**Explain ISA types clearly:**
1. Explain what an ISA is and why the tax wrapper matters, in two plain-English sentences
2. Describe the main ISA types available in the UK: Cash ISA, Stocks and Shares ISA, Lifetime ISA, and Innovative Finance ISA, in one to two sentences each, covering what each is for and who it suits
3. Recommend the most appropriate type or combination for the person's stated goal and age, with a brief reason

**Edge case handling:** If the person is under 40 and saving for a first home, flag the Lifetime ISA government bonus clearly, including the withdrawal rules.
</task>

<output_format>
- What an ISA is: two sentences
- ISA types: a table (type | purpose | suits who | annual limit)
- Recommendation: two to three sentences tailored to the person's situation
- Lifetime ISA flag if relevant: two sentences covering the bonus and the key restrictions
- Length: 250 to 320 words
- Tone: clear and helpful, neither selling nor alarming
</output_format>