Write a detailed comparison of CDs versus commodities for achieving {{investment_goal}}. Use a {{tone}} tone for {{target_audience}} with {{risk_tolerance}} risk tolerance and 3-year horizon. Output must be structured and follow standards.

Provide:
- Side-by-Side Comparison with historical returns, risk, liquidity, tax, costs
- Comparative Analysis table with expected return, risk, liquidity, tax efficiency, correlation, inflation protection
- Scenario Analysis: best, worst, typical cases
- Recommendation Framework with optimal blend and allocation guidance

Keep under 1800 words. Tailor all recommendations to {{target_audience}} and {{risk_tolerance}}. Skip any section if data is unknown. Use plain language. Attribute historical returns to source period.