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A neat caulking finish is best achieved by smoothing the caulk with a finger or a tool. This technique helps to eliminate any excess caulk and creates a clean, even line that adheres well to both surfaces being caulked. By using a finger or a specialized tool for smoothing, you can ensure that the caulk fills gaps adequately while also providing a professional and polished look. This method also helps to minimize the chances of the caulk peeling or cracking over time, as it sets more uniformly in the joint.

The use of a brush can lead to uneven application and may leave brush strokes or gaps, which compromise the esthetic quality. Leaving the caulk as is could result in an unsightly or uneven finish that may detract from the overall appearance. Painting over the caulk is generally not advisable unless the caulk is specifically paintable, as paint may not adhere well to certain types of caulking material. Thus, smoothing with a finger or tool remains the most effective and visually appealing method for achieving a clean caulking finish.