This structure is designed to be: step by step, easy to follow, checkbox-driven, simple language, suitable for both Finns & immigrants and printable + usable on mobile.
Ask a few questions —> suggest Tmi or Oy
** As simple as possible —> Tmi + 2
** Okay with completely —> Oy + 1
** 30-80k —> Tmi +1 / Oy +1
** Over 80k —> Oy +2
**Speed & simplicity → Tmi +1
**Credibility matters → Oy +2