The refusal is the feature.
Most AI tools answer everything — confidently, and sometimes wrong. This one only speaks when it can point at the source, and goes silent when it can't. That's what makes the answers it does give worth acting on.
You ask in plain language
A reg, lending, tax, or compliance question — the kind that usually means an hour in a guideline PDF.
It matches the cited record
It searches a cited knowledge base of regulations and rules. Every statement it returns carries the exact reference and a link to the source.
Or it abstains — out loud
No grounded match means no answer. It tells you plainly rather than inventing a rule or a citation. Verify the source yourself before you act.