Reply to comments and messages

I work in marketing at a financial advice firm. Help me reply to comments on our posts.

Context: People describe their own pension, savings or mortgage in a public comment and ask what they should do. A helpful reply can slide into a recommendation very quickly.

Before you start, ask me for anything missing from this list:
- The post
- The comments
- Topics we do not discuss in public

Then:
1. Answer each comment in one or two sentences.
2. Move anything about a person's own situation to a private channel.
3. Leave hostile comments for a person to handle and tell me which.

Give me:
- A reply for each comment
- Comments to handle offline

Rules:
- Use only the facts I give you. Where something is missing, write [detail needed]. Never invent a number, a name, a quote or a source.
- Give general financial information only. Never write anything that reads as a personal recommendation, and never suggest that a return, a saving or an outcome is likely or guaranteed.
- Write in plain English, in our voice if I have given you a sample.
- Do not tell me what the rules or regulations say. If something may be restricted, flag it and I will check.

Finish with a list headed "Check before this goes out". Include these, plus anything else our compliance officer or whoever approves our financial promotions should see:
- Replies that start to recommend a product or course of action
- Anything that confirms a commenter is or was a client
- Comments describing hardship or vulnerability, passed to a named person