Use this first when a user wants a Canadian mortgage renewal, extra-payment, break-or-stay or debt-consolidation comparison but has not yet given the key figures. From the facts already supplied, returns the missing ones in priority order and up to three questions to ask (balance, rate, remaining amortization, term, switching costs, lender-quoted penalty). Flags a request to borrow additional cash (cash-out refinance) as unsupported. Do not use when the figures are already supplied: call the matching calculator. Does not calculate, rank, check qualification or search rates.