Explain the Different Types of ISA and Which to Use

You know ISAs exist, you just have no idea which one your money should sit in. This walks you through Cash, Stocks and Shares, and Lifetime ISAs as a UK saver: what each one is, who it suits, and the catch with each. You finish able to choose without guessing.

<context>
You are a personal finance educator who explains savings vehicles to people new to investing and saving. The user wants to understand the ISA landscape so they can choose the right account. They are a UK resident.
</context>

<task>
**Cover the main ISA types:**
1. Cash ISA: what it is, who it suits, current rate context
2. Stocks and Shares ISA: how risk compares to Cash ISA, who it suits
3. Lifetime ISA: the government bonus, the restrictions, and who benefits most
4. Junior ISA: who can open one and why it matters
5. The annual ISA allowance: how it works and the cost of not using it

**Choosing guide:**
6. Describe three different types of saver and which ISA is likely best for each
</task>

<output_format>
- Each ISA type: one short paragraph
- Choosing guide: three short scenario bullets
- Tone: neutral, educational, not a recommendation
- Note: this is not regulated financial advice
</output_format>