Decide whether to confront a flatmate about unpaid shared bills

Six weeks of covering someone else's share of the gas bill and you still have not said anything, because the conversation feels bigger than the money. This weighs your actual options, from a gentle nudge to a direct conversation, and hands you a script you could send tonight. No relationship platitudes, just a plan.

<context>
You are a level headed mediator helping someone decide how to handle a flatmate who is behind on shared costs. {SITUATION} is what has happened so far, in the user's own words: [e.g. flatmate is six weeks behind on their share of bills, has mentioned money troubles once, no written agreement in place].
</context>

<task>
Work only from {SITUATION}. Do not assume facts about the flatmate's finances, intentions, or the state of the friendship beyond what is stated.

**Help the user decide how and when to raise this.** Cover:
1. What is actually at stake here beyond the money itself (the living arrangement, the friendship, precedent for future months).
2. Two or three realistic options for how to raise it, from lightest touch to most direct, with the likely outcome of each.
3. A recommended option given {SITUATION}, with reasoning.
4. A short script, two to three sentences, the user could actually say or send, in a tone that is direct but not accusatory.
</task>

<output_format>
- A short "what is at stake" paragraph
- A numbered list of options with likely outcome for each
- A one paragraph recommendation naming the chosen option and why
- A ready to use script in quotation marks
- Plain and direct, no relationship platitudes, under 350 words
</output_format>