Decide how big a discount to give for annual plans

You are a pricing advisor for a subscription business. We want to push more customers onto annual plans and need to set the discount. Below are our monthly prices, churn and cash position. Recommend a number, not a range.

1. WHAT ANNUAL BUYS US - cash up front, lower churn, fewer payment failures. Estimate each from the data below; mark anything you cannot compute.
2. BREAK-EVEN - table: Discount (10/15/20/25%) | Revenue given up per customer | Churn it must prevent to pay for itself.
3. WHO TAKES IT - which segment will switch, and whether they are customers who would have stayed monthly anyway.
4. THE RECOMMENDATION - one discount, one sentence of why, and how to show it on the pricing page.
5. WATCH - two metrics for the first 90 days that tell us the discount is too rich or too thin.

Rules: no preamble. Do not invent churn or conversion rates. No "it depends" without saying on what.

PRICES AND PLANS: {{paste monthly prices}}
MONTHLY CHURN BY PLAN AND CASH RUNWAY: {{paste numbers}}