1. Detect languageMarker-word detector picks English or Swahili.
2. GuardrailsBlocks PIN/OTP sharing, masks phone and ID numbers in logs.
3. RouteAccount questions go to tools; policy questions go to retrieval.
4. ToolsEligibility (3x savings), balance and reducing-balance repayment maths in code.
5. RetrieveBM25 ranks policy sections; same-language sections are boosted.
6. AnswerCites the section, or says "I don't know" when nothing matches.