Which tool in Xero HQ assists in managing client queries?

The tool in Xero HQ that assists in managing client queries is called "Ask." This feature is designed to streamline communication between accountants or advisors and their clients. It allows them to capture and respond to client queries efficiently, ensuring that no question goes unanswered and improving the overall client service experience.

"Ask" serves as a dedicated space for tracking these inquiries, enabling users to create a record of questions and answers which can be referenced later. This functionality helps to centralize communication, making sure that important information relevant to clients is readily available, thereby enhancing transparency and responsiveness.

The other options, while integral to the overall management of financial activities and data within Xero, do not specifically cater to the management of client queries. Reports focuses on data analysis and insights, Banking is concerned with financial transactions, and Explorer relates to navigating client information within the platform. These tools serve different functions that do not address client query management directly, which is where "Ask" excels.