function formatUserRecords(records) {

if (!records || records.length === 0) {

return "No records provided.";

}

let output = "";

const maxAge = 65;

const minScore = 50;

const maxTransactions = 10;

for (let i = 0; i < records.length; i++) {

const record = records[i];

if (!record) continue; // Skip null or undefined records

const age = record.age;

const score = record.score;

const transactions = record.transactions;

let formattedRecord = `Record ${i + 1}: `;

if (age > maxAge) {

formattedRecord += `Age (${age}) exceeds the limit (${maxAge}). `;

} else if (age < 18) {

formattedRecord += `Age (${age}) is below the minimum age (18). `;

}

if (score < minScore) {

formattedRecord += `Score (${score}) is below the minimum score (${minScore}). `;

}

if (transactions > maxTransactions) {

formattedRecord += `Transactions (${transactions}) exceeds the limit (${maxTransactions}). `;

}

output += formattedRecord + "\n";

}

return output;

}