Client question response: explain accounting issue in plain English

Answer the client’s question in plain English while staying technically accurate.

Inputs:
- Client question: {client_question}
- Relevant facts and numbers: {facts_numbers}
- Applicable guidance/policy: {guidance}
- Recommendation (if any): {recommendation}
- Risks/caveats: {risks}

Output:
1) Short answer (2–3 sentences).
2) Explanation (bullets, no jargon).
3) Options (if applicable) and recommended next step.
4) What we need from the client (if anything).

Tone: confident, helpful, not legal advice.