Purchases

Sources real vehicle listings and prices the financing (cash / loan / cash-down mix) against the user's own credit tier and a real, cited national rate table, so the comparison is total cost, not sticker price. Owns no purchase or financing application of its own — hands back an exact next-steps checklist since no consumer-authorizable API exists for either.

Finds the cheapest real, cited price for a named item across multiple retailers, or runs a short gift interview when no item is named and delivers real, priced gift options at the chosen budget tier. Reads person.md and /celebrations' own third-party rows for a recipient already on record rather than keeping its own copy. Owns no purchase of its own.