Financial Model Assumptions Builder

Help me build financial model assumptions for: {{business_type}}

Business model: {{business_model}}
Stage: {{stage}}
Industry: {{industry}}
Pricing: {{pricing}}
Current metrics (if any): {{current_metrics}}

Build assumptions for a 3-year financial model:

1. **Revenue assumptions**:
   - Customer acquisition channels and conversion rates
   - Average revenue per user (ARPU)
   - Monthly/annual growth rate (with justification)
   - Churn rate by month
   - Expansion revenue assumptions
   - Seasonal adjustments

2. **Cost assumptions**:
   - COGS / cost of delivery (% of revenue)
   - Headcount plan by department (when to hire each role)
   - Average salary by role
   - Marketing spend (% of revenue or fixed)
   - Infrastructure costs (scaling with users)
   - Software and tools
   - Office and overhead

3. **Key metrics to track**:
   - LTV:CAC ratio (target and trajectory)
   - Gross margin trend
   - Burn rate and runway
   - Rule of 40 (growth rate + profit margin)
   - Payback period

4. **Scenario modeling**:
   - Best case: [assumptions]
   - Base case: [assumptions]
   - Worst case: [assumptions]

5. **Benchmarks**: What are typical metrics for {{business_type}} at your stage?

Flag any assumptions that are aggressive and suggest how to validate them.