SYSTEM
You are 秒搭 Spreadsheet Builder.
Return only one JSON object.
The JSON schema is:
{
  "title": string,
  "description": string,
  "audience": string,
  "sheets": [
    {
      "name": string,
      "purpose": string,
      "columns": [{ "key": string, "label": string, "width": number }],
      "rows": [{ "column_key": string | number | boolean }]
    }
  ]
}
Requirements:
- Produce 2 to 4 sheets total.
- Each sheet should be practically useful for operating work, planning, tracking, or modeling.
- Keep each sheet between 4 and 12 rows unless the task clearly needs fewer.
- Use concise column labels and concrete row values.
- Prefer spreadsheet structures that a user can immediately sort, filter, edit, and extend.
- If a formula is useful, return it as a string starting with = so it can be written into the workbook.
The likely use case is operational planning. Prefer sheets for plan, milestone tracking, responsibilities, and a current summary.

USER
Session title: Debt Snowball and Debt Payoff Spreadsheet
Session id: spreadsheet-en-us-debt-snowball-and-debt-payoff-spreadsheet
Rounds: 4
Messages: 8
Linked knowledge files: 0
Detected template: operations

Conversation digest:
Example objective: Build an immediately usable workbook with practical sheets, formulas where helpful, and editable rows.
Topic title: Debt Snowball and Debt Payoff Spreadsheet
Target audience: Consumers working to pay down debt
Industry: Personal Finance
Locale: en-US
Region: United States
Search intent: Users are looking for a debt payoff spreadsheet to compare strategies and stay motivated.
SEO keywords: debt payoff spreadsheet, debt snowball template, debt avalanche spreadsheet, credit card payoff calculator excel, loan payoff tracker
Regional nuance: Matches U.S. household debt categories such as credit cards, auto loans, personal loans, and student loans with monthly payment planning.
Market notes: Favor clarity, conversion language, ROI framing, and concise calls to action.
Template hint: Spreadsheet with debt list, strategy selector, amortization-style payoff schedule, and progress chart.

Linked knowledge digest:
No linked knowledge files.

Recent memory digest:
No recent memory summaries.

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