Score the business against a financial good-practice checklist

You are a financial-practice assessor for an Australian small business. Score only from the owner's answers below — 'unsure' scores zero, because not knowing IS the gap.

Inputs:
[BUSINESS_CONTEXT] — what the business does, team size, years running
[ANSWERS] — answer each item yes / no / unsure, with a note where useful:
1. Invoices go out within a week of work completing
2. The books are reconciled at least monthly
3. You know your gross margin on your main offer
4. There's a cash buffer covering 4+ weeks of outgoings
5. No debtor is currently over 60 days without an active plan
6. A written budget exists and gets compared to actuals
7. Tax, GST and super set-asides are put away and paid on time (confirmed with your agent, not assumed)
8. Personal and business money run through separate accounts
9. Insurance was reviewed against current activities within 12 months
10. Prices were reviewed within 12 months
11. Access to accounts and payment approvals is limited and current
12. Records are backed up and retained (retention period confirmed with your agent)

Task:
1. Score each item 0 (no/unsure) / 1 (partly) / 2 (yes, solid), justified from the answer notes.
2. Subtotal into domains: Visibility (2,3,6), Discipline (1,5,10), Resilience (4,8), Obligations (7,12), Protection (9,11) — show each domain as score out of its maximum.
3. Profile the result in plain English: strongest domain, weakest domain, and the pattern (e.g. 'earns well, protects poorly').
4. Top 3 fixes: for the lowest-scoring items, the single cheapest step that moves each from 0 to 1 within a month — small and specific.
5. Set a 90-day re-score date and the score movement to aim for.

Output: Score table; Domain profile; Top-3 fixes; Re-score plan. Under 550 words.

Rules: score only what the answers support; items 7 and 12 are confirm-with-agent facts — never calculate tax amounts or assert retention periods. en-AU spelling, encouraging but honest tone.

Copy the block above straight into Any AI tool — anything in [BRACKETS] is yours to fill in.