Curated replacements grouped by fit, tradeoffs, pricing flexibility, and platform access. Use this list to decide which Frost & Sullivan competitor is worth testing first.
Looking for a Frost & Sullivan replacement? We've profiled 20 alternatives by workflow fit, pricing flexibility, caveats, and platform access. Whether you need a free option to trial, mobile-ready workflows, or API integrations, this list helps you choose what to test first.
Best for: Corporate strategy, innovation, venture, M&A, and investment teams researching private companies, markets, deals, and competitive signals.
CB Insights best matches the base workflow on research reports, market monitoring, and investment research workspace.
CB Insights lists Other pricing, so compare the current plan against your existing setup.
Watch for: Enterprise price and sales motion: CB Insights pricing is request-based, so it is not a fit for casual users or teams needing self-serve low-cost access.
Best for: Growth and momentum investors looking for earnings momentum, estimate revisions, PEAD drift, timing signals, scanners, dashboards, and AI analysis in one US stock/ETF platform.
EPSMomentum best matches the base workflow on fundamental research, AI research workspace, and charting and technical analysis.
EPSMomentum adds a free starting point that the base tool does not show. Free access caveat: signup required and Bronze is advertised at $0/month..
Watch for: US stocks and ETFs focus: EPSMomentum is not positioned as a global multi-asset terminal or full portfolio accounting product.
Best for: Investors, analysts, and funds using alternative data such as search, web traffic, app usage, social, news, reviews, and transcripts to forecast company KPIs before earnings.
TickerTrends best matches the base workflow on research reports, market monitoring, and investment research workspace.
TickerTrends adds a free starting point that the base tool does not show. Free access caveat: signup required and TickerTrends Core is $998 per year after a seven-day trial and carries a 30-day money-back guarantee..
Watch for: Alternative data is noisy: Search, social, traffic, and app signals are proxies for business performance. Users need modeling discipline, validation, and company-specific KPI context.
Bottom line: Value investors looking for long historical fundamentals, GF Score, GF Value, and guru/institutional holdings.
Keep
Scores
Macro Data
Newsletters
Custom Dashboards
AI Research
Gain
Stock Ideas
Screeners
ETF Screeners
Top Analysts
Lose
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
The store lists market, technology, megatrend, tracker, forecasting, database, and analyst-briefing deliverables across many industries.
Growth Generator has frequently updated datasets, filters, comparisons, market forecasts, custom dashboards, and analyst-supported context.
Growth Generator covers aerospace and defense, energy and environment, healthcare, industrial markets, mobility, ICT, technology, chemicals, sustainability, and security.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Signup required, A free account has limited access, and Free members have limited portfolio capacity.
Paid access is region and tier dependent: Annual paid memberships, region add-ons, API plans, and pay-as-you-go API credits.
Bottom line: Investors, analysts, and funds using alternative data such as search, web traffic, app usage, social, news, reviews, and transcripts to forecast company KPIs before earnings.
Keep
Scores
Newsletters
Custom Dashboards
AI Research
Gain
Stock Ideas
Screeners
Stock Comparison
Data Visualizations
Lose
Macro Data
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
The store lists market, technology, megatrend, tracker, forecasting, database, and analyst-briefing deliverables across many industries.
Growth Generator has frequently updated datasets, filters, comparisons, market forecasts, custom dashboards, and analyst-supported context.
Watch out
Avoid as a full replacement if you rely on AI research workspace and advisor and client reporting.
Free-plan limits: Signup required, TickerTrends Core is $998 per year after a seven-day trial and carries a 30-day money-back guarantee, and KPI Tracking Suite is custom priced with a trial available by request.
Alternative data is noisy: Search, social, traffic, and app signals are proxies for business performance. Users need modeling discipline, validation, and company-specific KPI context.
Bottom line: Users looking for one free global market portal for quotes, charts, calendars, news, watchlists, and portfolio tracking.
Keep
Scores
Macro Data
AI Research
Gain
Stock Ideas
Screeners
Stock Comparison
Data Visualizations
Lose
Newsletters
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
The store lists market, technology, megatrend, tracker, forecasting, database, and analyst-briefing deliverables across many industries.
Watch out
Avoid as a full replacement if you rely on research reports, investment research workspace, and advisor and client reporting.
Free-plan limits: Free access is ad-supported and does not include the full InvestingPro research layer, Free WarrenAI access is limited to 10 lifetime messages and requires an account; paid plans include 50 or 500 credits per month, and ProPicks, premium reports, and deeper datasets are plan-gated.
Not a broker or API product: Investing.com does not provide trade execution or a public API. Widgets and RSS are its public integration methods.
Bottom line: Growth and momentum investors looking for earnings momentum, estimate revisions, PEAD drift, timing signals, scanners, dashboards, and AI analysis in one US stock/ETF platform.
Keep
Scores
Custom Dashboards
AI Research
Gain
Screeners
Stock Ideas
Data Visualizations
Money Flow
Lose
Macro Data
Newsletters
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
The store lists market, technology, megatrend, tracker, forecasting, database, and analyst-briefing deliverables across many industries.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Signup required, Bronze is advertised at $0/month, and Silver is advertised at $9.99/month and Gold at $49.99/month, with yearly-plan discounts shown.
US stocks and ETFs focus: EPSMomentum is not positioned as a global multi-asset terminal or full portfolio accounting product.
Bottom line: Retail investors looking for analyst consensus, expert rankings, Smart Score, news sentiment, and stock ideas.
Keep
Scores
Macro Data
AI Research
Gain
Stock Ideas
Top Analysts
Screeners
ETF Screeners
Lose
Newsletters
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
The store lists market, technology, megatrend, tracker, forecasting, database, and analyst-briefing deliverables across many industries.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Signup required, Free/Basic MCP OAuth quota is 10 tool calls per month, and Free API-key tier is limited to 10 requests per minute and 50 requests per month.
Best tools are paid: Premium and Ultimate gate Smart Portfolio, Smart Score, expert/insider/hedge-fund tools, exports, and higher MCP quotas.
Bottom line: Rules-based investors looking for point-in-time stock and ETF simulations.
Keep
Scores
Macro Data
AI Research
Gain
Screeners
Data Visualizations
Quant
Stock Ideas
Lose
Newsletters
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
The store lists market, technology, megatrend, tracker, forecasting, database, and analyst-briefing deliverables across many industries.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Signup required, Free Manage module is separate from paid Research, API, and DataMiner access, and General registration offers 30 days of screener and backtesting access without a payment card.
Advanced research is paid: Free Manage covers portfolio tracking. Time-limited access covers screener and backtesting use before a paid Research plan, while API and DataMiner require separate paid access.
Bottom line: Investors who want dashboards, charts, screeners, portfolios, news, and alerts in a web and mobile workspace.
Keep
Custom Dashboards
AI Research
Gain
Screeners
ETF Screeners
Data Visualizations
Correlation
Lose
Scores
Macro Data
Newsletters
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on research reports and AI research workspace.
Free-plan limits: Signup required, Free plan includes limited watchlists, screens, dashboards, alerts, portfolios, financials, and estimates history, and New accounts receive a seven-day trial and then downgrade to Free without a charge.
No public API: Koyfin does not provide user-facing data access through an API.
Bottom line: Analysts, lenders, consultants, and strategy teams needing human-verified industry reports, risk ratings, forecasts, and API delivery.
Keep
Scores
Custom Dashboards
Gain
APIs & Data Feeds
AI Chat
Blogs
Industry Research Reports cover multiple countries, with PDF downloads and selected tables or charts exportable to spreadsheet or image formats.
Lose
Macro Data
Newsletters
AI Research
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on news and alerts and advisor and client reporting.
Free-plan limits: Annual membership pricing is provided by quote, US and Canadian Industry Research Reports cost US $2,850 each, and Other listed prices include AU $2,200 for Australia or New Zealand, GBP 645 for the UK or Ireland, and EUR 595 for Germany.
Premium report pricing: A US or Canadian Industry Research Report costs US $2,850. Regional prices differ, and Spotlight reports cost less.
Bottom line: Macro-driven investors looking for global economic charts, cycle indicators, ETF tools, 13F/COT views, earnings summaries, and lightweight backtesting in a single visual workspace.
Keep
Macro Data
AI Research
Gain
Data Visualizations
ETF Screeners
ETF Comparison
Which ETF includes this Stock?
Lose
Scores
Newsletters
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on research reports and investment research workspace.
Free-plan limits: Signup required, Individual monthly pricing is listed at $20/month for MM PRO, $25/month for MM Prime, and $28/month for MM Max, and API Essential is listed at $5,000/year with a 7-day free trial and 5,000 API calls or downloads per month.
Downloads and API are expensive: Data downloads are Business/API-oriented, and API Essential is listed at $5,000/year.
Bottom line: Corporate strategy, innovation, venture, M&A, and investment teams researching private companies, markets, deals, and competitive signals.
Keep
Newsletters
AI Research
Gain
APIs & Data Feeds
Sheets / Excel Add-ins
Screeners
Data Visualizations
Lose
Scores
Macro Data
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on advisor and client reporting.
Free-plan limits: Signup required, Trial-only access, and Pricing is request-based.
Enterprise price and sales motion: CB Insights pricing is request-based, so it is not a fit for casual users or teams needing self-serve low-cost access.
Bottom line: Institutional investors, asset managers, banks, and accredited/private investors needing independent research, analyst access, data, and alerts.
Keep
Newsletters
AI Research
Gain
Stock Ideas
Screeners
Watchlist
News
Lose
Scores
Macro Data
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on charting and technical analysis and backtesting and quant research.
Free-plan limits: Signup required, Complimentary Preview Pass is available without a credit card, and Pro Platform is listed at USD 10,950/year per user.
Professional price point: Smartkarma Pro is priced for professional users, with Premium/Data and corporate tracks handled separately.
Bottom line: Investors who want AI-assisted company research backed by financials, estimates, transcripts, filings, and dashboards.
Keep
Newsletters
AI Research
Gain
Stock Ideas
Screeners
Stock Comparison
Data Visualizations
Lose
Scores
Macro Data
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Signup required, Free terminal access has dashboard, history, event, and AI prompt limits, and Free API access covers 100 companies, 50 requests per minute, and 250 requests per day.
Free access is limited: The free API is limited to 100 companies, 50 requests per minute, and 250 requests per day. Deeper history, exports, and some datasets require paid plans.
Bottom line: Analysts and teams looking for a customizable financial workspace that connects their own data, vendors, dashboards, and AI agents.
Keep
Macro Data
Custom Dashboards
AI Research
Gain
APIs & Data Feeds
Sheets / Excel Add-ins
Data Visualizations
AI Chat
Lose
Scores
Newsletters
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
The store lists market, technology, megatrend, tracker, forecasting, database, and analyst-briefing deliverables across many industries.
Watch out
Avoid as a full replacement if you rely on research reports, news and alerts, and advisor and client reporting.
Free-plan limits: Signup required, Community Edition is free for individuals, and OpenBB Copilot is limited to 20 queries per day on Community.
Does not provide production market data: OpenBB says Workspace includes a limited FMP-powered sandbox, but organizations connect their own datasets for production workflows.
Bottom line: Consumer, retail, country, and industry researchers who need global market data, reports, forecasts, and structured delivery.
Keep
Macro Data
AI Research
Gain
APIs & Data Feeds
Passport covers global industries, economies, consumers, sales channels, companies, brands, and product categories.
The Passport Statistics API delivers entitled market-size, company-share, and brand-share data.
The API portal provides generated documentation, code samples, and an API console.
Lose
Scores
Newsletters
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on charting and technical analysis, news and alerts, and advisor and client reporting.
Free-plan limits: Signup required, Passport pricing is provided by quote, and subscriptions run for 12 months, and Individual reports can be purchased separately.
Subscription access is commercial: Passport is a paid subscription database, and public terms describe 12-month access for quoted Passport subscriptions.
Price
Frost & SullivanOne-time, Subscription
Euromonitor (Passport)Subscription, One-time
Free tier
Paid only
Replacement
Partial replacement
Pricing checked 2026-08-23 via enterprise/contact.
Bottom line: Regular investors looking for fast stock and fund research pages, screeners, comparisons, watchlists, and market calendars.
Keep
Newsletters
AI Research
Gain
Stock Ideas
Screeners
ETF Screeners
Top Analysts
Lose
Scores
Macro Data
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Free access is ad-supported, Free exports and financial history are limited compared with Pro and Unlimited, and Free accounts allow 10 active alerts. Brokerage sync, full ETF holdings, and advanced analyst filtering require paid plans.
No public API: Stock Analysis does not currently offer API access.
Bottom line: Long-term investors looking for editorial investing analysis, stock ideas, newsletters, and market context.
Keep
Macro Data
Newsletters
Gain
News
Alerts
Data Visualizations
Stock Ideas
Lose
Scores
Custom Dashboards
AI Research
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on investment research workspace and AI research workspace.
Free-plan limits: Most article access requires a paid subscription after any free/promotional allowance, Premium products such as Investor Circle and topic newsletters can be separate upsells, and Renewal terms can materially differ from intro offers.
Editorial product, not a research terminal: Barron's provides journalism, newsletters, and market-data pages rather than institutional modeling, portfolio analytics, or execution.
Bottom line: Retail investors looking for an approachable stock research workspace with screeners, dashboards, watchlists, portfolios, transcripts, valuation templates, and AI summaries.
Keep
Scores
AI Research
Gain
Screeners
Data Visualizations
Watchlist
Portfolio
Lose
Macro Data
Newsletters
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Signup required, Basic is free and covers U.S. and Spain stocks, 5 years of history, 1 favorites list, limited screener access, and latest transcript access, and Pro is listed at EUR9.99/month, Pro+ at EUR14.99/month, and Unlimited at EUR19.99/month.
Best features are plan-gated: Global stocks, full history, analyst estimates, unlimited screener access, editable projections, and AI summaries require the Unlimited tier.
Bottom line: Developers and analysts needing REST/WebSocket market data, fundamentals, calendars, transcripts, ownership, ESG, and macro datasets.
Keep
Scores
Macro Data
Gain
Screeners
APIs & Data Feeds
News
Calendar
Lose
Newsletters
Custom Dashboards
AI Research
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Signup required, Basic plan is limited to 250 API calls per day, and Free tier has end-of-day timeframe, around 5 years of history, and limited bandwidth.
Free sandbox is limited: The Basic plan is capped at 250 API calls per day, end-of-day timeframe, and around 5 years of history.
Bottom line: Active swing, intraday, systematic, and quantitative traders looking for automated chart analysis, scanning, alerts, strategy testing, and bots in one workspace.
Keep
Custom Dashboards
AI Research
Gain
Data Visualizations
Screeners
Stock Ideas
Quant
Lose
Scores
Macro Data
Newsletters
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on research reports and investment research workspace.
Free-plan limits: Signup required, Credit card required, and Trial-only access.
High subscription cost and strict plan limits: There is no permanent free platform tier. Standard starts at $89 on regular monthly billing, and plans limit active alerts, alert duration, bots, open workspaces, scanner timeframes, and backtest depth.
Bottom line: Long-term stock pickers who want a low-cost, source-linked tearsheet instead of a broad multi-asset terminal.
Keep
Scores
AI Research
Gain
Stock Ideas
Screeners
Stock Comparison
Data Visualizations
Lose
Macro Data
Newsletters
Custom Dashboards
Frost Radar benchmarks selected companies against 10 Growth and Innovation criteria. Current purchases include a report download and a Growth Dialog with Frost experts.
The August 19, 2026 Frost Radar on cloud workload protection costs $4,950 and profiles 18 companies.
Watch out
Avoid as a full replacement if you rely on research reports, market monitoring, and investment research workspace.
Free-plan limits: Free accounts get six stock views per day, three alerts, and up to three stocks per watchlist. Anonymous visitors get one stock view per day, Pro is $8.40 per month billed as $100.80 for the first year, then $144 per year, with a seven-day free trial, and Full 15-year history, comparison workflow, quality checklist, and exports require Pro.
US-led coverage: Most coverage is US-listed stocks. UK companies have about five years of annual history and no quarterly data, while US stocks can have 15 years and quarterly detail.
GuruFocus is the closest drop-in replacement with overlapping coverage in Scores, Macro Data, and Newsletters while adding Stock Ideas and Screeners coverage, Historical financial and valuation data covers stocks in multiple regions, with screens, charts, comparisons, disclosed investor holdings, insider trades, and economic indicators. and Large global coverage footprint: current membership pages advertise 1M+ investors, 100,000 stocks across 100 markets, 30 years of financial data, thousands of institutional-investor trading histories, and 15,000+ mutual-fund holdings; the Data API separately documents 60,000+ companies across 9 regions. features, and a free tier (workflow overlap ~100%).
Budget-conscious? Try GuruFocus, TickerTrends, Investing.com, EPSMomentum, TipRanks, Portfolio123, Koyfin, MacroMicro, Smartkarma, Fiscal.ai, OpenBB, Stock Analysis, Tweenvest, Financial Modeling Prep (FMP), and The Ledger Terminal to get started without a paid plan.
Need mobile access? GuruFocus, Investing.com, and EPSMomentum bring phone-ready workflows that Frost & Sullivan lacks.
Round out your stack with new coverage areas like Stock Ideas, Screeners, ETF Screeners, and Top Analysts.
Coverage Snapshot
Where alternatives already align
Most shared categories across the top matches.
AI Research×17Scores×10Macro Data×9Custom Dashboards×7Newsletters×7
New angles introduced
Categories the alternatives add beyond Frost & Sullivan.
15 picks introduce a free tier you can start with.
Mobile ready
11/20
11 alternatives bring native mobile access.
API availability
12/20
12 of the shortlisted tools expose API endpoints for automation-heavy workflows.
Quality checks
7 starred / 10 tested
7 tools are flagged as analyst picks; 10 have been hands-on tested.
Avg. coverage overlap
51%
Average percentage of categories shared with the base tool.
Frequently Asked Questions
What are the best alternatives to Frost & Sullivan?
Frost & Sullivan users most often consider GuruFocus, TickerTrends, and Investing.com as their go-to alternatives.
Which alternatives keep a free tier?
GuruFocus, TickerTrends, Investing.com, EPSMomentum, TipRanks, Portfolio123, Koyfin, MacroMicro, Smartkarma, Fiscal.ai, OpenBB, Stock Analysis, Tweenvest, Financial Modeling Prep (FMP), and The Ledger Terminal offer a free plan or trial option, making them easy to test before committing to a paid subscription.
Which workflows do the top Frost & Sullivan alternatives cover?
Expect deep coverage across AI Research, Custom Dashboards, Macro Data, Newsletters, and Scores, so you can port most Frost & Sullivan workflows without much friction.
Missing an alternative, or is a listing out of date? Tell me and I will look.
Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.