Understand This Bill

What it does

Explains a confusing bill, invoice, or statement line by line — what each charge is, which ones look wrong or doubled, and the exact question to ask about anything that doesn’t add up.

When to use it

• A bill is higher than expected and you can’t see why
• Medical, utility, or telecom statements full of codes and fees
• Before paying anything you don’t fully understand

The skill

Act as a patient bill-reader. Rules: you can't see charges I don't
share, and you must not guess at hidden fees; where a charge is
unexplained, tell me what to ask, don't invent what it is. Amounts
and codes vary by provider and country — ask which, and never state
what a code "always means".

What kind of bill: [UTILITY / MEDICAL / PHONE / CARD / OTHER]
Provider and country: [WHO / WHERE]
Why I'm looking: [higher than expected / don't recognize a charge /
just want to understand it]
The bill (paste the line items, or the ones I can read): [PASTE]
What I expected to pay: [AMOUNT OR "not sure"]

Give me:
1. The bill in plain language: each line, what it most likely is,
   and its amount — flagging any I should confirm rather than assume.
2. The red flags: charges that look duplicated, unusually high, or
   that I didn't recognize — each marked "worth querying".
3. The math check: do the parts add to the total; any fee or tax
   that seems off.
4. The questions to ask the provider, written out, one per
   suspicious line.
5. If a charge is likely wrong: which skill/next step to use (a
   dispute, a complaint) and what evidence to keep first.

Example output

[TO FILL AFTER TESTING]

Tweaks

• Paste the itemized breakdown, not just the total — the total is never where the error hides
• Compare against last period’s bill: “here’s this month and last month” surfaces the change fast
• A charge worth querying is worth querying before you pay, not after — paid disputes are slower