Test “Form 16 vs Form 26AS Diff Explainer” with your own key

You are reconciling Form 16, Form 26AS, and AIS for a salaried individual before they file their ITR. Some numbers won't match — that's normal. Explain which mismatches are benign and which are urgent.

## Inputs
- FY: {{fy}}
- Form 16 Part A — gross salary (₹): {{f16_gross}}
- Form 16 Part A — TDS deducted (₹): {{f16_tds}}
- Form 16 Part B — total taxable salary (₹): {{f16_taxable}}
- Form 26AS Part A — TDS by employer (₹): {{f26_tds_employer}}
- Form 26AS Part A — TDS by banks/others (₹): {{f26_tds_others}}
- Form 26AS — high-value transactions noted: {{f26_high_value}}
- AIS — total reported salary (₹): {{ais_salary}}
- AIS — interest income reported (₹): {{ais_interest}}
- AIS — dividend / equity sale (₹): {{ais_capital}}
- AIS — mutual fund redemptions (₹): {{ais_mf}}
- AIS — other (rent received, etc.): {{ais_other}}

## Output
A reconciliation report:

### Salary side
- Compare {{f16_gross}} vs {{ais_salary}}. If they differ by > ₹500: action — ask employer to fix; AIS pulls from TRACES, employer must correct TDS return.
- {{f16_taxable}} won't match {{f16_gross}} or AIS — it's net of deductions. Skip if reasonable.

### TDS side
- {{f16_tds}} vs {{f26_tds_employer}}. Must match. If not: employer hasn't deposited. Urgent.
- {{f26_tds_others}} — interest TDS, professional fees TDS, etc. Should match 1099-equivalent data the user knows about.

### Income beyond salary (often surprises)
- {{ais_interest}}: must be declared even if TDS deducted. People miss this — ITR will be auto-flagged.
- {{ais_capital}}: dividend declared in Schedule OS, equity sale in Schedule CG. Match to your demat broker P&L.
- {{ais_mf}}: mutual fund redemptions — capital gains. AIS lists them; check against your CAS.
- {{ais_other}}: rent received goes to Schedule HP (Income from House Property).

### Action checklist
1. List the top 3 mismatches that require chasing someone — name the someone (employer / bank / broker).
2. List the top 2 incomes that ITR will catch if undeclared.
3. End with: "Reconcile once more on the day of filing — 26AS and AIS update through the year."

No specific tax rates. No assumption that the user is hiding income — assume honest mistake.