中文版：请作为一名企业财务顾问和商业分析师，根据我的商业项目建立一份合理的商业计划书财务预测。

项目：[填写]
产品价格：[填写]
预计客户数量：[填写]
客户增长率：[填写]
复购率：[填写]
毛利率：[填写]
固定成本：[填写]
变动成本：[填写]
营销费用：[填写]
员工成本：[填写]
预计融资金额：[填写]

请建立未来3至5年的收入、成本、毛利润、营业利润、净利润和现金流预测，并计算盈亏平衡点、客户获取成本、客户生命周期价值和资金缺口。

所有预测必须明确说明计算公式、核心假设和数据来源。如果输入数据不足，请先列出需要补充的数据，不要直接编造数字。

最后进行悲观、中性和乐观三种情景分析，并告诉我项目在哪些情况下可能出现现金流危机。

英文版：Act as a corporate finance advisor and business analyst. Build a realistic financial forecast for my business plan.

Business: [Business]; Product Price: [Price]; Expected Customers: [Customers]; Customer Growth Rate: [Growth]; Retention or Repurchase Rate: [Rate]; Gross Margin: [Margin]; Fixed Costs: [Costs]; Variable Costs: [Costs]; Marketing Expenses: [Expenses]; Employee Costs: [Costs]; Funding Requirement: [Amount].

Create three-to-five-year forecasts for revenue, costs, gross profit, operating profit, net profit, and cash flow. Calculate the break-even point, customer acquisition cost, customer lifetime value, and funding gap.

Clearly explain every formula, assumption, and data source. If information is missing, identify the required data instead of inventing numbers.

Finally, create pessimistic, base-case, and optimistic scenarios and identify the conditions that could cause a cash-flow crisis.

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