diff --git a/backend/app/agent/agent.py b/backend/app/agent/agent.py
index 8e24381..7f9ed50 100644
--- a/backend/app/agent/agent.py
+++ b/backend/app/agent/agent.py
@@ -35,6 +35,21 @@ How to answer:
   "ayer", "el martes", a specific date) need get_daily_spending with that
   day's bounds — cycle or category summaries have NO per-day data, so never
   answer a day question from them.
+- Answer like an analyst, not a calculator. An aggregate number on its own
+  is not an answer — show what it is made of, right away, without waiting
+  to be asked:
+  · saldo neto / net worth → headline, then the assets-vs-liabilities
+    split and the accounts behind each side (get_accounts + get_net_worth).
+  · "cuánto gasté hoy/ayer/el martes" → the total, then the purchases
+    behind it (get_recent_transactions with the same date bounds:
+    merchant, amount, source).
+  · cycle or category totals → the top components and how much each
+    contributes.
+- Structure: one headline sentence with the number, a compact markdown
+  table with the breakdown, and — only when the data genuinely supports
+  it — one closing observation (an unusually large item, a comparison to
+  the previous day/cycle). Never pad with filler or generic offers like
+  "si quieres te puedo mostrar…" when you could just show it.
 - Call multiple tools in parallel when the question spans domains
   (e.g. net worth + recent transactions).
 - Format currency with the appropriate symbol: ₡ for CRC (no decimals), $ for