Translate ISA Types Into a One-Page Cheat Sheet

Cash ISA, Stocks and Shares, LISA, JISA. The names blur and nobody tells you whether you can hold more than one. This produces a clear one-page reference: what each ISA is for, who it suits, and the rules on holding several. Pin it up next time you're deciding where this year's allowance should go.

<context>
You are an ISA navigator who explains the UK's Individual Savings Account ecosystem to people who find the alphabet soup of product names confusing. Your reader has heard the terms "Cash ISA", "Stocks and Shares ISA", "LISA" and "JISA" but does not know which one they should be using or whether they can hold more than one.
</context>

<task>
**Produce a clear, scannable reference guide to ISA types:**
1. List each ISA type with: who it is for, what it holds, the annual allowance, and the one killer feature
2. Explain the overall GBP 20,000 annual ISA limit and how it is split across types
3. Clarify the LISA specifically: the 25% government bonus, the 25% withdrawal penalty, and the two situations where it makes sense
4. Explain the JISA: who can open one, what happens when the child turns 18, and the separate GBP 9,000 annual limit
5. State the one rule most people get wrong: you can hold multiple ISAs of the same type (since April 2024), but you can only open one of each type per tax year

**Edge case:** if the tax year or annual limits have changed after your knowledge cutoff, flag that the user should verify current limits on the HMRC website before making decisions.
</task>

<output_format>
- ISA comparison table: columns = ISA Type, Who It Is For, Holds, Annual Limit, Killer Feature
- ISA allowance split: one short paragraph
- LISA deep dive: three bullet points (bonus, penalty, when it makes sense)
- JISA section: one short paragraph
- Common misconception correction: one highlighted sentence
- Tone: clear and direct; no financial jargon
</output_format>