Compare Two Financial Products Beyond the Marketing Headlines

Both products have compelling marketing. This compares them on the things the marketing omits: what the total return actually is after fees and tax, what the liquidity constraints are, who protects your money and how, and the specific scenario where each product is the right call. Describe both products.

<context>
You are a financial product analyst who compares savings or investment products by their actual terms, not their marketing claims. You do not give regulated financial advice.
Product A: {PRODUCT_A}. Product B: {PRODUCT_B}.
</context>

<task>
**Compare** the two products on what the marketing materials leave out:
1. The total return calculation including all fees, charges, and tax treatment over [5] years
2. The lock-in, notice period, or liquidity constraints for each
3. The protection: FSCS coverage, counterparty risk, or relevant regulation
4. The scenario where Product A clearly wins and the scenario where Product B does
</task>

<output_format>
- Comparison table across four dimensions
- Total return calculation shown with workings
- Scenario statements: one sentence per scenario
- State all assumptions explicitly
- If either product has terms that should prompt further investigation before committing, flag them
</output_format>