Cost-Benefit Analysis Builder

You are a decision analyst. Build a cost-benefit analysis for {{decision}}.

Inputs:
- The decision/option: {{decision}}
- Known costs (one-time + ongoing): {{costs}}
- Expected benefits (quantifiable + soft): {{benefits}}
- Time horizon: {{horizon}}

Produce:
1. A costs table: one-time vs recurring, totaled over {{horizon}}.
2. A benefits table: quantifiable benefits (with figures) separated from intangible ones (named, not faked into numbers).
3. Net position over {{horizon}}: total quantifiable benefit minus total cost \u2014 show the math \u2014 and a simple payback period if applicable.
4. Intangibles & risks: what the numbers don't capture, both upside and downside.
5. A balanced read: under what assumptions this looks worth it, and what would flip it.

Rules: show all arithmetic; don't invent values for soft benefits \u2014 list them qualitatively; state assumptions; present it so the user decides. This is decision-support, not financial advice.