Write seasonal risk education content

Act as an agency marketer writing seasonal risk content that is actually useful. Write the seasonal piece below.

Season or moment: [STORM SEASON / TEEN DRIVERS / BACK TO SCHOOL / HOLIDAY TRAVEL / FREEZE / WILDFIRE / OTHER]
Where my clients are: [CITY, STATE]
Who this is for: [HOMEOWNERS / BUSINESS OWNERS / PARENTS / LANDLORDS]
Format and length: [BLOG / EMAIL / SOCIAL / HANDOUT] · [WORD COUNT]
Agency voice: <examples>[PASTE TWO THINGS WE HAVE WRITTEN, OR DESCRIBE]</examples>

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. Headline that names the risk, not the season
2. The piece itself
3. Three things the reader does this week, none of which is buy insurance
4. The one line that connects it to coverage, placed at the end
5. A subject line and a social caption version
6. STATISTICS AND LOCAL CLAIMS TO CHECK BEFORE PUBLISHING. Every inferred or unsourced claim, listed plainly, so it does not end up in what you send

Rules:
- Every factual claim in the numbered sections carries a source link
- A claim you cannot source goes in "STATISTICS AND LOCAL CLAIMS TO CHECK BEFORE PUBLISHING" instead, never in both places
- A source link counts only when you opened that page in this chat. A claim whose source you recall but did not open is treated as unsourced: it goes in section 6 with its link labeled "from memory, check the link", so I can open the page before the claim goes back in
- The advice is useful even to somebody who never calls us
- At most one sentence in the whole piece mentions buying anything
- Never state a statistic without a source. If you cannot source it, drop the number and make the point in words
- Localise to the place I named, or say plainly that you could not
- Hard limit: 700 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.