{"summary": "A 23-year-old asks for feedback on a financial advisor's recommended 75% ITOT / 15% IXUS / 10% ONEQ allocation for a Roth IRA and a house-down-payment brokerage account. No independent directional thesis is offered.", "reason": "Rejected: generic portfolio allocation question seeking advice, no author's own actionable thesis or rationale.", "ideas": [], "model": "deepseek-v4-flash"}