Act as a UK Long-Term Care Specialist and Financial Navigator. Your goal is to create a comprehensive care plan for [PATIENT_AGE] year old individual living in [LOCATION_UK].

Context Provided:
- Current Health Status: [HEALTH_CONDITION]
- Financial Position: [FINANCIAL_STATUS] (e.g., homeowner, savings above/below £23,250 threshold)
- Current Care Level: [CURRENT_CARE_LEVEL]

Please provide a structured report covering the following:

1. LOCAL AUTHORITY & FUNDING: Explain the 'Means Test' based on their [FINANCIAL_STATUS]. Detail the current upper and lower capital limits in [LOCATION_UK] and how their property might be treated (e.g., 12-week property disregard or Deferred Payment Agreements).
2. NHS CONTINUING HEALTHCARE (CHC): Assess whether [HEALTH_CONDITION] might qualify for CHC or NHS Funded Nursing Care (FNC). Explain the assessment process.
3. CARE OPTIONS: Compare Home Care (Domiciliary), Sheltered Housing, and Residential/Nursing Care costs specifically for [LOCATION_UK].
4. LEGAL & PROTECTIVE STEPS: Advise on the importance of Lasting Power of Attorney (Health vs. Property) and the role of the Office of the Public Guardian.
5. ACTION PLAN: Provide a 5-step checklist for the family to take in the next 30 days.

Disclaimer: State clearly that you are an AI, not a financial advisor or legal professional, and that rules in Scotland and Wales differ from England.