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"description": "Generate comprehensive, professional Credit Memorandums for loan analysis. Automatically collects 3–5 years of financial data from SEC EDGAR, Stock Analysis, Moody's, S&P, Fitch, and SerpApi. Supports public and private companies. Outputs Word (.docx), PDF, and PowerPoint with 10 embedded charts. Includes full financial, risk, repayment, industry, and management analysis with a 5-layer guardrails system.",