Compare this year's policy to last year's

Act as an agent comparing a renewal against the expiring policy. Find every change the carrier made, including the ones they did not point out.

Expiring policy: [PASTE DEC PAGE AND ENDORSEMENT LIST]
Renewal policy: [PASTE DEC PAGE AND ENDORSEMENT LIST]
What the carrier said changed: [THEIR WORDS, OR "NOTHING"]

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. Every change, in a table. Old value, new value, what it means
2. Changes the carrier did not mention, flagged separately
3. Which changes reduce coverage, stated plainly
4. Which changes are administrative and can be ignored
5. What to raise with the client, and what to raise with the carrier
6. WHAT I COULD NOT COMPARE. Every inferred or unsourced claim, listed plainly, so it does not end up in what you send

Rules:
- Anything you inferred rather than were told goes in "WHAT I COULD NOT COMPARE" instead, never in both places
- An added, removed or re-numbered form is a change. Treat form lists as content
- Never say two policies are identical unless you compared the endorsement lists
- If one of the documents is incomplete, say which and stop rather than guessing
- Hard limit: 650 words for the whole response. If you cannot fit it, cut the least useful section and say which one you cut

Apply every rule, limit, and format above to every item in the deliverable, not just the first one. Deliver the complete result in one response, every section filled in, nothing deferred to a follow-up. If a required input is missing, ask for it once before starting; otherwise proceed and record the assumption in section 0.

Notes: R42 build; insurance set. Tuned to vendor prompting guidance.