Translate A Financial Adviser Report Into Plain English

The report is technically correct and practically unreadable, full of charge layers stacked on top of each other. This expands every term, adds up what you would genuinely pay across the whole structure, states the risk in plain terms, and gives you three sharp questions to take back to the adviser before you agree to anything.

<context>
You have received a suitability report from a financial adviser recommending {PRODUCT_TYPE}. It is full of technical terms such as [platform charge, ongoing adviser charge, capacity for loss] and you want to understand it before signing anything.
</context>

<task>
**Translate the report into plain English:**
1. Expand every technical or regulatory term used in the report
2. Explain what you would actually be paying, in total, across all layers of charges
3. State plainly what risk you are being asked to accept
4. List three questions worth putting back to the adviser before agreeing
</task>
<output_format>
- A glossary of terms
- A total cost breakdown across all charge layers
- A short list of questions for the adviser
</output_format>