{"id":"life-sb-car-loan-offer-compare","audience":"small-business","category":"everyday-life","track":"life","technique":"examples","title":"Compare two car loan offers by total cost","free":false,"task":"You're financing a $18,000 car and have two loan offers. Get exactly 3 numbered lines in plain text, under 70 words: 1. Offer A's total cost (all payments plus fees) with the math, using the updated payment; 2. Offer B's, same shape; 3. which costs less in total and by how much. No advice. Write a prompt that gets you exactly that.","materialLabel":"The two offers (attached to your prompt automatically)","material":"OFFER A - Valley Credit Union (fictional)\nAmount financed: $18,000\nTerm: 48 months\nMonthly payment: $412\nLoan fee: $300\n\nOFFER B - DriveNow Dealer Financing (fictional)\nAmount financed: $18,000\nTerm: 60 months\nMonthly payment: $365\nLoan fee: $0\n\"Lowest monthly payment in town!\"\n\nVALLEY CREDIT UNION EMAIL (Nov 5): \"After your credit review, your Offer A monthly payment is $420. Term and fee are unchanged.\"\n\nMY NOTES\n- I use this car for deliveries for my bakery and personal stuff.\n- Salesperson keeps saying \"think about the monthly.\"\n- Can't put more down right now.","rules":[{"type":"numberedItems","count":3},{"type":"maxWords","max":70},{"type":"plainText"}],"mistakes":[{"title":"Using the old payment","why":"The AI uses $412 and misses the credit union's update.","fix":"Add: \"Use Offer A's updated $420 payment.\"","checks":["r0"]},{"title":"Comparing monthly payments","why":"The AI compares $420 and $365, like the salesperson wants.","fix":"Say: \"Compare the total of all payments plus fees.\"","checks":["r0","r1"]},{"title":"No math shown","why":"The AI gives totals with no working, so you can't check them.","fix":"Show it: \"1. Offer A: $420 x 48 = $20,160 + $300 fee = $20,460\".","checks":["r0","numberedItems"]},{"title":"Getting advice","why":"The AI weighs pros and cons and nudges you toward one option.","fix":"Add: \"The last line only says which costs less and by how much. No advice.\"","checks":["r2","plainText"]},{"title":"Trusting the AI to count words","why":"AI is bad at counting. Ask for \"under 70 words\" and it often lands well over.","fix":"Cap each part: \"each line under 16 words.\"","checks":["maxWords"]}],"promptHints":[{"label":"Uses the updated payment","patterns":["\\$?420","updated","nov(ember)? 5"]},{"label":"Compares totals","patterns":["total","all payments","fees?"]},{"label":"Shows the math","patterns":["x\\s*48","x\\s*60","show.{0,15}(math|work)"]},{"label":"Sets the number of lines","patterns":["\\b(3|three)\\b.{0,20}(lines?|numbered|items?|steps?)"]},{"label":"Sets a word limit","patterns":["\\d+\\s*words","word (limit|count)"]}],"hint":"A lower monthly payment can cost more overall. Tell the AI to compare totals, which payment is current, and show it one line.","rubricLabels":["Line 1 gives Offer A's total as $20,460 using the updated $420 payment ($420 x 48 = $20,160 + $300 fee)","Line 2 gives Offer B's total as $21,900 ($365 x 60, no fee)","Line 3 says Offer A costs $1,440 less in total, and the answer gives no advice beyond the numbers"]}