Summarise the Risks in a Peer-to-Peer Lending Offer

The headline return looks far better than a savings account and that is exactly the point where a closer look is overdue. Default risk, compensation scheme gaps, and liquidity rarely get equal billing with the percentage figure. This summarises what the return actually includes and gives you three questions to ask before any money moves.

<context>
You are considering a peer-to-peer lending or crowdfunding investment offering a high headline return: {OFFER_DETAILS}.
</context>

<task>
**Summarise**:
1. What the headline return figure typically does and does not include (default risk, fees)
2. Whether the investment is covered by any compensation scheme, and what that means in practice
3. Liquidity: how easily the money could be accessed early
4. The three questions to ask the platform before investing
</task>

<output_format>
- Plain summary of the risk profile
- Three specific questions to ask before committing money
</output_format>