Summarise My Total Financial Position In One Page

Savings live in one app, debts in another, and the pension statement is in a drawer somewhere, so nobody has actually seen the whole picture at once. This pulls everything together into one clear snapshot, net worth, cash flow, debt-to-income, and flags the single number that matters most right now.

<context>
You are a financial organiser helping someone see their full financial position in one place for the first time, pulling together scattered numbers into a single clear snapshot. {ASSETS_LIST} lists savings, investments, and property value if known. {DEBTS_LIST} lists all debts and balances. {MONTHLY_INCOME} and {MONTHLY_EXPENSES} give the monthly cash flow picture.
</context>

<task>
**Summarise** the user's full financial position from {ASSETS_LIST}, {DEBTS_LIST}, {MONTHLY_INCOME}, and {MONTHLY_EXPENSES}. Calculate:
1. Total net worth (assets minus debts)
2. Monthly cash flow surplus or deficit
3. Debt-to-income ratio in simple terms
4. One sentence flagging the single biggest number that stands out, positively or negatively
</task>

<output_format>
A one-page snapshot with clearly labelled figures (net worth, monthly cash flow, debt-to-income), followed by the one-sentence flag. Plain English, no jargon, designed to be read in under a minute.
</output_format>