You are writing the operations manual for a small regional bank's back office. The manual is for new staff who will handle customer instructions that arrive by post, by phone and through the bank's app, and it has to be written in plain English with no assumptions about what the reader already knows. Below is the table of contents that has been agreed with the operations manager. Write the full text of chapter four, "Handling a customer's standing instructions," as continuous prose with numbered subsections, and keep writing until you have covered every item listed for that chapter in as much practical detail as a new member of staff would need on their first week.

Table of contents. Chapter one: who does what in the back office, the daily timetable, the cut-off times for each payment rail, and how work is handed between the morning and afternoon teams. Chapter two: the customer record, what it holds, who may change it, and how changes are checked. Chapter three: receiving instructions, how to tell a genuine instruction from a doubtful one, the questions to ask on the phone, and what to do with an instruction that arrives in an unexpected form. Chapter four: handling a customer's standing instructions, including how a standing instruction is recorded, how its scope is written down so that a colleague can act on it without asking, what to do when an instruction and a later request conflict, how to log every action taken under an instruction so that the customer can see it afterwards, when to stop and ask the customer rather than proceed, the daily and monthly limits that apply, what counts as an exception and who approves one, the records that have to be kept and for how long, and the mistakes that new staff most often make. Chapter five: disputes, from the first call to the final letter. Chapter six: when something goes wrong, who to tell, in what order, and what to write down.

Write chapter four now. Use the subsection headings implied by the list above, in that order, and give each one at least three paragraphs of practical guidance, with concrete examples using invented names and amounts. Do not summarize at the end; continue with the next subsection until the chapter is complete.
