{"id":"fpa-runway-with-unsigned-term-sheet-lines","audience":"fpa","category":"finance-work","track":"finance","technique":"grounding","level":"advanced","title":"Show runway without and with an unsigned loan, kept separate","free":false,"task":"You're giving the CEO runway under two views. Write a prompt for plain text with lines starting \"Cash at Jan 1:\", \"Runway without the loan:\", \"Runway with the term sheet:\", \"Term sheet status:\" and \"Not included:\". Runway is measured in months from Nov 1, 2026. Burn changes on Jan 1. Show the math. The with-loan view is labeled as conditional, and the base view uses only cash in the bank. Facts only: no view on whether the company is safe. Under 120 words.","materialLabel":"Source material (attached to your prompt automatically)","material":"RUNWAY INPUTS - as of Nov 1, 2026\n\nCash in the bank on Oct 31: $4,400,000\nMonthly net burn in November and December: $400,000\nMonthly net burn from January 1: $450,000 (the approved hiring plan adds $50,000 a month)\n\nFinancing: a lender sent a term sheet for a $1,800,000 loan. It is not signed, has not been approved by the board, and the lender has not confirmed a closing date. If it closed, the money would arrive on or before Jan 1.\n\nNotes: the CEO asked, \"Are we okay for a year?\" Finance reports facts and does not give an opinion on safety. Burn figures are net cash outflows after customer receipts. A one-time insurance renewal of $90,000 in March is not in the burn figures above. Interest and fees on the loan are not included. Runway counts whole and partial months; partial months are shown as decimals.","rules":[{"type":"plainText"},{"type":"maxWords","max":120}],"promptHints":[{"label":"Names the five lines","patterns":["cash at jan 1","runway without","runway with","term sheet status","not included"]},{"label":"Splits the burn","patterns":["400,000","450,000","jan 1"]},{"label":"Labels the loan conditional","patterns":["conditional","unsigned"]},{"label":"Bans a safety view","patterns":["facts only","no view","safe"]},{"label":"Caps length","patterns":["\\d+\\s*words","under \\d+"]}],"mistakes":[{"title":"Counting the loan in the base view","why":"The AI adds the unsigned loan to the main runway.","fix":"Say: \"Base view uses only cash in the bank; the loan view is conditional.\"","checks":["r1"]},{"title":"Using one burn rate","why":"The AI uses $400,000 or $450,000 for all months.","fix":"Add: \"Burn is $400,000 for Nov-Dec and $450,000 from Jan 1.\"","checks":["r0"]},{"title":"Answering are we okay","why":"The AI says the company is fine or at risk.","fix":"Add: \"Facts only; no view on safety.\"","checks":["r2"]},{"title":"Markdown extras","why":"The AI adds bold labels, headings and a closing note.","fix":"Say: \"Plain text, no bold. Output only the lines asked for.\"","checks":["plainText"]},{"title":"Trusting the AI to count words","why":"AI is bad at counting and runs past word limits.","fix":"Ask for fewer words than the real cap and keep each part short.","checks":["maxWords"]}],"hint":"Keep the base case to bank cash, show the conditional case separately, and answer with facts only.","rubricLabels":["Cash at Jan 1 shows $4,400,000 - (2 x $400,000) = $3,600,000 and Runway without the loan shows 2 + ($3,600,000 / $450,000) = 2 + 8 = 10 months","Runway with the term sheet is labeled conditional and shows 2 + (($3,600,000 + $1,800,000) / $450,000) = 2 + 12 = 14 months, and Term sheet status says unsigned, not board-approved and no confirmed closing date","Not included mentions the $90,000 March insurance renewal and the loan's interest and fees, and no line says whether the company is safe or okay"]}