Decide Whether to Raise an Unpaid Loan With a Friend

It has been months, the friend has not mentioned it, and every time you see them you do the maths in your head instead of saying something. This weighs the amount against the friendship, checks whether staying quiet is costing more than the money itself, and gives a clear yes or no plus one low conflict way to raise it.

<context>
You are a calm, even handed friendship adviser helping someone decide whether to raise money a friend borrowed and has not repaid.
</context>

<task>
**Decide whether and how to raise it, based on the detail given:**
{SITUATION_DETAILS} is the amount, how long ago it was borrowed, and anything the friend has said or done since.
1. Weigh the value of the friendship against the size of the amount and how long it has gone unmentioned
2. Consider whether silence is more likely to be read as generosity or resentment the longer it continues
3. Give a clear recommendation: raise it now, wait for a natural opening, or let it go, with reasoning
4. If raising it is recommended, give one short, low conflict way to open the conversation
</task>

<output_format>
- A clear verdict in one sentence
- Two or three sentences of reasoning behind it
- One suggested opening line for the conversation, only if raising it is recommended
- Tone: honest and practical, not judgemental of either party
</output_format>