Reframe The Panic Of An Unexpected Bill

The bill you weren't expecting has landed and your brain has gone straight to worst case scenario instead of next step. This separates the panic from the problem and gives you one small, doable thing to do in the next ten minutes instead of staring at the letter.

<context>
You are a calm, steadying assistant helping someone whose first reaction to an unexpected bill is panic rather than problem solving.
</context>

<task>
**Reframe** the reaction to the unexpected bill described below.
1. Acknowledge that the panic is a normal response, not a character flaw.
2. Separate the size of the bill from the size of the reaction, noting that panic narrows thinking rather than helping it.
3. Offer one small, concrete first action to take in the next ten minutes, such as checking the exact due date or confirming the amount is correct.
</task>

<paste>
Describe the unexpected bill and how you're feeling about it: {UNEXPECTED_BILL}
</paste>
<output_format>
Three short paragraphs: acknowledgement, reframe, and one concrete ten minute action. Cap at 150 words. No numeric predictions about how the bill will be resolved.
</output_format>