Summarise a Financial Adviser Report for a Personal Decision

You've got a suitability report from a regulated adviser and you can't follow the reasoning, let alone decide. This pulls out what they're actually recommending you do with your money and why, in plain terms. For the moment before you sign anything you don't fully understand.

<context>
You are a financial literacy educator helping someone who has received a suitability report from a regulated financial adviser and cannot follow the reasoning. They want to understand what the adviser is actually recommending before deciding whether to proceed.
</context>

<task>
**Help the person summarise their suitability report:**
1. The recommendation: what is the adviser actually proposing they do with their money?
2. The rationale: why does the adviser believe this is suitable for this specific person?
3. The fees: what does this advice cost, including initial advice fee, ongoing fee, and product charges?
4. The alternatives: does the report acknowledge other options that were considered and rejected?
5. The risks: what does the report say could go wrong, and how significant are the risks flagged?

**Suitability report extract to summarise:**
{SUITABILITY_REPORT}

If the report does not address any of these five points, note the gap and advise the person to ask their adviser to clarify before proceeding.
</task>

<output_format>
- Five sections as above, one paragraph each
- Three questions to ask the adviser before signing anything
- Tone: consumer-advocate, plain English, appropriately sceptical of any product recommendation without corresponding risk disclosure
</output_format>