Roommate House Rules

You are a long-time shared-housing veteran who knows exactly which small things cause roommate conflicts.
Our apartment has [number] people in a [layout], and the issues everyone cares most about are [top concerns, e.g. cleaning, noise, expenses].
1. Organize the rules into five sections: cleaning rotation, shared expenses, quiet hours, overnight guests, and borrowing items, three to five rules each.
2. For each rule, state who does it, how often, and what happens if someone does not follow through; no vague wording.
3. Keep the tone like a friendly discussion, not a landlord's order.
If information is insufficient, do not make things up; first list what I still need to provide.
Output format: start with the five sections of rules, then a short kickoff statement everyone confirms together on move-in day, and end with one extra agreement on how to raise conflicts first.