[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6XFPK7AM576T2Y1Y2GEK0RW":3,"skill-same:01M6XFPK7AM576T2Y1Y2GEK0RW":85},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":23,"publishedAt":44,"linkOnly":45,"markdownContent":46,"markdownBody":47,"frontMatter":48,"refName":63,"commitSha":64,"skillDirectory":65,"forksCount":66,"repositoryHtmlUrl":67,"repositoryHomepageUrl":6,"ownerHtmlUrl":68,"ownerBlogUrl":6,"ownerDescription":69,"updatedAt":70,"install":71,"resources":84},"01M6XFPK7AM576T2Y1Y2GEK0RW","conducting-environmental-remediation-analysis",null,"Evaluates environmental liability exposure with remediation cost estimation, regulatory compliance requirements, and insurance coverage assessment. Use when analyzing environmental liabilities, estimating cleanup costs, or assessing environmental risk.","FDU-INS\u002FInsurance-Skills","FDU-INS","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F167067594?v=4","01M6XEYMRS4CVJMZ834YWE66BV","FDU-Insurance","01M6XEYMXPDA34HFM0ZE6AY78G",82,"Apache-2.0","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fconducting-environmental-remediation-analysis\u002FSKILL.md",[18],{"categoryNo":19,"categoryName":20,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000037","律师与法务","PROFESSION","适用职业",[24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"conducting environmental remediation analysis","remediation","analysis","environmental remediation","environmental","requirements","real-assets-and-natural-resources","Insurance coverage","insurance","when","process management","resources","cost estimation","estimation","en","use","coverage","risk","cleanup","assessment","2026-11-10 10:12:30",false,"---\nname: conducting-environmental-remediation-analysis\nlanguage: en\ndescription: Evaluates environmental liability exposure with remediation cost estimation, regulatory compliance requirements, and insurance coverage assessment. Use when analyzing environmental liabilities, estimating cleanup costs, or assessing environmental risk.\ntags:\n  - process\n  - real-assets-and-natural-resources\n  - compliance\n  - regulatory\nmetadata:\n  author: casemark\n  practice_areas:\n    - Natural Resources\n    - Energy Capital\n    - Commodity Investment\n  document_types:\n    - Process Documentation\n  skill_modes:\n    - Process Management\n---\n# Conducting Environmental Remediation Analysis\n\nEvaluates environmental liability exposure for real asset and natural resource investments by estimating remediation costs, mapping regulatory compliance obligations, and assessing insurance coverage adequacy.\n\n## When To Use\n\n- Underwriting an acquisition of land, mineral rights, or operating assets with known or suspected contamination\n- Evaluating a portfolio company's environmental liabilities for impairment or reserve adjustment\n- Assessing seller indemnification adequacy during M&A due diligence on energy or industrial assets\n- Reviewing insurance policies (environmental impairment liability, pollution legal liability) against identified exposure\n- Responding to a regulatory enforcement action, consent order, or notice of violation on a held asset\n\n## Inputs To Gather\n\n- **Site assessment reports**: Phase I ESAs, Phase II sampling data, and any existing Phase III remediation plans\n- **Regulatory filings and orders**: RCRA\u002FCERCLA records, state voluntary cleanup program (VCP) enrollment, consent decrees, NOVs\n- **Contamination data**: Soil, groundwater, and vapor intrusion sampling results with contaminant concentrations and spatial extent\n- **Cost estimates**: Prior remediation proposals, contractor bids, or engineering cost opinions\n- **Insurance policies**: Environmental impairment liability (EIL), pollution legal liability (PLL), and general liability policies with pollution exclusion language\n- **Transaction documents**: Purchase agreement environmental reps\u002Fwarranties, indemnification provisions, escrow or holdback terms\n- **Operational history**: Current and former use, underground storage tanks, waste disposal practices, permits held\n\n## Workflow\n\n1. **Classify contamination profile**\n   - Identify contaminants of concern (COCs) — e.g., petroleum hydrocarbons, chlorinated solvents, heavy metals, PFAS\n   - Map plume extent using sampling data; note data gaps where additional characterization is needed\n   - Determine affected media: soil, groundwater, surface water, sediment, soil vapor\n\n2. **Assess regulatory framework**\n   - Identify governing program: CERCLA (Superfund), RCRA corrective action, state VCP, or other [VERIFY — state-specific program names and cleanup standards vary]\n   - Determine applicable cleanup standards — risk-based corrective action (RBCA) levels vs. fixed numeric standards [VERIFY — standards differ by state and land-use classification]\n   - Check whether the site qualifies for brownfield incentives, liability protections (e.g., bona fide prospective purchaser defense), or expedited review tracks\n   - Note any institutional or engineering controls already recorded (deed restrictions, cap-in-place)\n\n3. **Estimate remediation costs**\n   - Select likely remediation technologies based on COCs and site conditions (e.g., excavation and disposal, in-situ chemical oxidation, monitored natural attenuation, pump-and-treat, soil vapor extraction)\n   - Develop low \u002F base \u002F high cost scenarios:\n     - **Capital costs**: mobilization, construction, equipment, waste transport and disposal\n     - **O&M costs**: long-term monitoring, reporting, system maintenance, institutional control compliance\n     - **Contingency**: typically 15–30% for conceptual-level estimates; refine as design matures\n   - Discount future O&M streams to present value using an appropriate rate for the investment context\n   - Flag whether third-party cost opinions or independent estimates are available to benchmark\n\n4. **Evaluate insurance coverage**\n   - Review pollution exclusion clauses in CGL policies — absolute vs. total pollution exclusion vs. qualified exclusion [VERIFY — coverage interpretation varies by jurisdiction]\n   - Analyze dedicated environmental policies (EIL\u002FPLL): trigger mechanism (claims-made vs. occurrence), retroactive date, self-insured retention, aggregate limits, and exclusions for known conditions\n   - Assess whether pre-existing contamination is carved out or whether the policy provides legacy liability coverage\n   - Calculate net exposure: estimated remediation cost minus recoverable insurance, indemnity obligations, and any government cost-share\n\n5. **Quantify liability exposure for investment decision**\n   - Present remediation cost range against transaction value — express as percentage of enterprise value or asset NAV\n   - Model purchase-price adjustment, escrow holdback, or indemnity cap adequacy\n   - Identify tail-risk scenarios: discovery of additional contamination, regulatory standard changes (e.g., new PFAS MCLs), third-party tort claims (toxic tort, property damage)\n   - Recommend risk allocation mechanisms: environmental escrow, rep & warranty insurance with environmental endorsement, specific indemnity with survival period, or price reduction\n\n## Output\n\n- **Contamination summary table**: COCs, affected media, spatial extent, data confidence level\n- **Regulatory compliance matrix**: applicable program, cleanup standards, current compliance status, outstanding obligations and deadlines\n- **Remediation cost estimate**: low \u002F base \u002F high scenarios with key assumptions, present-value adjustment, and contingency factors\n- **Insurance coverage gap analysis**: policy limits vs. estimated exposure, coverage exclusions, net uninsured liability\n- **Risk-adjusted liability range**: probability-weighted exposure estimate suitable for investment committee or reserve-setting\n- **Recommended deal terms**: specific indemnity, escrow, holdback, or price adjustment language tied to identified risks\n\n## Quality Checks\n\n- All contaminant concentrations are compared against the correct regulatory screening levels for the site's land-use classification [VERIFY — residential vs. commercial\u002Findustrial standards]\n- Cost estimates specify unit rates, quantities, and sources — no unsupported lump sums\n- Insurance analysis references specific policy language, not generic coverage assumptions\n- Data gaps are explicitly identified with recommended next steps (additional sampling, Phase II scope extension)\n- Regulatory program and cleanup standard citations match the applicable state and federal framework [VERIFY]\n- Liability range clearly distinguishes known obligations from contingent\u002Fspeculative exposure\n- All assumptions about remediation technology selection, timeline, and discount rate are stated and defensible\n","# Conducting Environmental Remediation Analysis\n\nEvaluates environmental liability exposure for real asset and natural resource investments by estimating remediation costs, mapping regulatory compliance obligations, and assessing insurance coverage adequacy.\n\n## When To Use\n\n- Underwriting an acquisition of land, mineral rights, or operating assets with known or suspected contamination\n- Evaluating a portfolio company's environmental liabilities for impairment or reserve adjustment\n- Assessing seller indemnification adequacy during M&A due diligence on energy or industrial assets\n- Reviewing insurance policies (environmental impairment liability, pollution legal liability) against identified exposure\n- Responding to a regulatory enforcement action, consent order, or notice of violation on a held asset\n\n## Inputs To Gather\n\n- **Site assessment reports**: Phase I ESAs, Phase II sampling data, and any existing Phase III remediation plans\n- **Regulatory filings and orders**: RCRA\u002FCERCLA records, state voluntary cleanup program (VCP) enrollment, consent decrees, NOVs\n- **Contamination data**: Soil, groundwater, and vapor intrusion sampling results with contaminant concentrations and spatial extent\n- **Cost estimates**: Prior remediation proposals, contractor bids, or engineering cost opinions\n- **Insurance policies**: Environmental impairment liability (EIL), pollution legal liability (PLL), and general liability policies with pollution exclusion language\n- **Transaction documents**: Purchase agreement environmental reps\u002Fwarranties, indemnification provisions, escrow or holdback terms\n- **Operational history**: Current and former use, underground storage tanks, waste disposal practices, permits held\n\n## Workflow\n\n1. **Classify contamination profile**\n   - Identify contaminants of concern (COCs) — e.g., petroleum hydrocarbons, chlorinated solvents, heavy metals, PFAS\n   - Map plume extent using sampling data; note data gaps where additional characterization is needed\n   - Determine affected media: soil, groundwater, surface water, sediment, soil vapor\n\n2. **Assess regulatory framework**\n   - Identify governing program: CERCLA (Superfund), RCRA corrective action, state VCP, or other [VERIFY — state-specific program names and cleanup standards vary]\n   - Determine applicable cleanup standards — risk-based corrective action (RBCA) levels vs. fixed numeric standards [VERIFY — standards differ by state and land-use classification]\n   - Check whether the site qualifies for brownfield incentives, liability protections (e.g., bona fide prospective purchaser defense), or expedited review tracks\n   - Note any institutional or engineering controls already recorded (deed restrictions, cap-in-place)\n\n3. **Estimate remediation costs**\n   - Select likely remediation technologies based on COCs and site conditions (e.g., excavation and disposal, in-situ chemical oxidation, monitored natural attenuation, pump-and-treat, soil vapor extraction)\n   - Develop low \u002F base \u002F high cost scenarios:\n     - **Capital costs**: mobilization, construction, equipment, waste transport and disposal\n     - **O&M costs**: long-term monitoring, reporting, system maintenance, institutional control compliance\n     - **Contingency**: typically 15–30% for conceptual-level estimates; refine as design matures\n   - Discount future O&M streams to present value using an appropriate rate for the investment context\n   - Flag whether third-party cost opinions or independent estimates are available to benchmark\n\n4. **Evaluate insurance coverage**\n   - Review pollution exclusion clauses in CGL policies — absolute vs. total pollution exclusion vs. qualified exclusion [VERIFY — coverage interpretation varies by jurisdiction]\n   - Analyze dedicated environmental policies (EIL\u002FPLL): trigger mechanism (claims-made vs. occurrence), retroactive date, self-insured retention, aggregate limits, and exclusions for known conditions\n   - Assess whether pre-existing contamination is carved out or whether the policy provides legacy liability coverage\n   - Calculate net exposure: estimated remediation cost minus recoverable insurance, indemnity obligations, and any government cost-share\n\n5. **Quantify liability exposure for investment decision**\n   - Present remediation cost range against transaction value — express as percentage of enterprise value or asset NAV\n   - Model purchase-price adjustment, escrow holdback, or indemnity cap adequacy\n   - Identify tail-risk scenarios: discovery of additional contamination, regulatory standard changes (e.g., new PFAS MCLs), third-party tort claims (toxic tort, property damage)\n   - Recommend risk allocation mechanisms: environmental escrow, rep & warranty insurance with environmental endorsement, specific indemnity with survival period, or price reduction\n\n## Output\n\n- **Contamination summary table**: COCs, affected media, spatial extent, data confidence level\n- **Regulatory compliance matrix**: applicable program, cleanup standards, current compliance status, outstanding obligations and deadlines\n- **Remediation cost estimate**: low \u002F base \u002F high scenarios with key assumptions, present-value adjustment, and contingency factors\n- **Insurance coverage gap analysis**: policy limits vs. estimated exposure, coverage exclusions, net uninsured liability\n- **Risk-adjusted liability range**: probability-weighted exposure estimate suitable for investment committee or reserve-setting\n- **Recommended deal terms**: specific indemnity, escrow, holdback, or price adjustment language tied to identified risks\n\n## Quality Checks\n\n- All contaminant concentrations are compared against the correct regulatory screening levels for the site's land-use classification [VERIFY — residential vs. commercial\u002Findustrial standards]\n- Cost estimates specify unit rates, quantities, and sources — no unsupported lump sums\n- Insurance analysis references specific policy language, not generic coverage assumptions\n- Data gaps are explicitly identified with recommended next steps (additional sampling, Phase II scope extension)\n- Regulatory program and cleanup standard citations match the applicable state and federal framework [VERIFY]\n- Liability range clearly distinguishes known obligations from contingent\u002Fspeculative exposure\n- All assumptions about remediation technology selection, timeline, and discount rate are stated and defensible\n",{"name":5,"tags":49,"language":38,"metadata":53,"description":7},[50,30,51,52],"process","compliance","regulatory",{"author":54,"skill_modes":55,"document_types":57,"practice_areas":59},"casemark",[56],"Process Management",[58],"Process Documentation",[60,61,62],"Natural Resources","Energy Capital","Commodity Investment","main","b22eca2e974f918ce591c5b2bd829fb7510e0191","Skills\u002Fconducting-environmental-remediation-analysis",18,"https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills","https:\u002F\u002Fgithub.com\u002FFDU-INS","Fudan University Department of Risk Management and Insurance","2026-07-12 12:54:34",{"source":8,"skillName":5,"commands":72,"prompt":82,"zipAvailable":83},[73,76,79],{"tool":74,"command":75},"npx","npx skills add FDU-INS\u002FInsurance-Skills --skill conducting-environmental-remediation-analysis",{"tool":77,"command":78},"bunx","bunx skills add FDU-INS\u002FInsurance-Skills --skill conducting-environmental-remediation-analysis",{"tool":80,"command":81},"pnpm","pnpm dlx skills add FDU-INS\u002FInsurance-Skills --skill conducting-environmental-remediation-analysis","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fconducting-environmental-remediation-analysis\u002FSKILL.md",true,[],[86,110,134,165,186,219],{"skillNo":87,"name":88,"nameZh":6,"description":89,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":90,"categories":91,"keywords":93,"publishedAt":44},"01M713QW6EGEG0YAD75440GSD0","로인장 (Roinjiang)","Activates when the user needs legal advice, contract review, insurance law consultation, startup legal support, or any legal\u002Fregulatory matter. She is a top-tier in-house lawyer with absolute loyalty to the CEO, specializing in insurance law, financial consumer protection, privacy, contracts, labor law, family law, civil and criminal matters.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002F로인장 (Roinjiang)\u002FSKILL.md",[92],{"categoryNo":19,"categoryName":20,"taxonomyType":21,"taxonomyTypeDesc":22},[88,94,32,95,96,97,33,98,99,100,101,102,103,104,105,106,52,107,108,109],"insurance law","civil","contract","family","review","loyalty","with","top","contract review","ceo","support","advice","consultation","privacy","protection","startup",{"skillNo":111,"name":112,"nameZh":6,"description":113,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":114,"categories":115,"keywords":116,"publishedAt":44},"01M713QRN8VFMA9VKS6R4DJ2WS","zocdoc-doctor-finder","Use when a user needs to find a doctor, dentist, specialist, therapist, or healthcare provider — especially when they mention insurance, in-network, availability, location, appointments, or booking. Also use for browsing provider reviews, comparing doctors by specialty, or checking if a provider takes their insurance.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fzocdoc-doctor-finder\u002FSKILL.md",[],[117,118,119,120,32,121,122,33,123,124,125,126,127,128,129,130,131,132,39,133],"zocdoc doctor finder","doctor","healthcare","reviews","browser automation","access","browsing","browser","booking","network","therapist","computer","availability","for","provider","tool","automation",{"skillNo":135,"name":136,"nameZh":6,"description":137,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":138,"categories":139,"keywords":145,"publishedAt":44},"01M713QKGV3FTX7EEYWKDM8ENZ","zenmux-context","Answers any question about ZenMux by reading the latest official documentation. Use this skill whenever the user asks about ZenMux product features, API usage, configuration, integration, pricing, models, providers, routing, fallback, streaming, multimodal, structured output, tool calling, reasoning, prompt caching, image generation, video generation, web search, long context, observability, logs, cost tracking, usage analytics, insurance, subscription, pay-as-you-go, invoices, best practices for tools like Claude Code, Cursor, Cline, CodeX, Gemini CLI, opencode, Cherry Studio, Obsidian, Sider, Open-WebUI, Dify, Neovate, GitHub Copilot, OpenClaw, CC-Switch, Immersive Translate, Studio Chat, architecture, benchmarks, FAQ, contact, privacy, terms of service, compliance, or any other ZenMux-related topic. Also trigger when the user writes in Chinese about ZenMux: 文档, 使用指南, 快速开始, API 参考, 最佳实践, 模型路由, 供应商路由, 订阅, 按量计费, 可观测性, 帮助, 常见问题, 接入指南, 配置. Trigger on phrases like \"how to use ZenMux\", \"ZenMux docs\", \"ZenMux API\", \"ZenMux integration\", \"ZenMux 怎么用\", \"ZenMux 接入\", \"ZenMux 配置\". Even if the user doesn't say \"ZenMux\" explicitly but asks about LLM API aggregation, model routing, provider fallback in a context where ZenMux is the project being worked on, this skill should activate.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fzenmux-context\u002FSKILL.md",[140],{"categoryNo":141,"categoryName":142,"taxonomyType":143,"taxonomyTypeDesc":144},"01JBSEEDCAT000000000000016","图像与多媒体","SCENARIO","使用场景",[146,147,148,149,32,150,151,152,153,154,155,156,157,158,159,160,161,162,163,164],"context","zenmux context","Video","chinese","project","web search","translate","search","open","question","pay","image","you","activate","architecture","logs","streaming","cherry studio","how",{"skillNo":166,"name":167,"nameZh":6,"description":168,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":169,"categories":170,"keywords":171,"publishedAt":44},"01M713QHWTBG634BCBV7NBJME1","workers-comp-guide","Guide workers compensation compliance and claims management.\nTRIGGERS - Use when user needs help with workers-comp-guide related tasks.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fworkers-comp-guide\u002FSKILL.md",[],[172,173,174,175,176,32,177,178,39,33,179,100,180,181,51,182,183,184,185],"workers","comp","workers comp","workers comp guide","guide","triggers","workers-comp","tasks","claims management","claims","help","compensation","management","user",{"skillNo":187,"name":188,"nameZh":6,"description":189,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":190,"categories":191,"keywords":201,"publishedAt":44},"01M713QF45VMV1685AFNF1GPMA","weekly-kpi-report","Generate McKinsey-style board presentation PPTs from weekly auto insurance data. Automatically calculates 16+ KPIs, creates executive-level slides with actionable insights, and supports week-over-week comparisons. Use when user uploads insurance cost data (Excel\u002FCSV) and requests board report, weekly presentation, executive briefing, or mentions keywords like 董事会汇报, 周报PPT, 经营分析演示, McKinsey-style reports.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fweekly-kpi-report\u002FSKILL.md",[192,195,198],{"categoryNo":193,"categoryName":194,"taxonomyType":143,"taxonomyTypeDesc":144},"01JBSEEDCAT000000000000003","演示文稿",{"categoryNo":196,"categoryName":197,"taxonomyType":143,"taxonomyTypeDesc":144},"01JBSEEDCAT000000000000004","电子表格",{"categoryNo":199,"categoryName":200,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000034","行政与办公人员",[202,203,204,205,206,32,207,208,209,210,33,211,212,213,214,215,216,217,39,218],"weekly","weekly kpi report","kpi","report","xlsx","actionable","insights","briefing","auto","board report","reports","generate","演示","data","presentation","slides","uploads",{"skillNo":220,"name":221,"nameZh":6,"description":222,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":223,"categories":224,"keywords":228,"publishedAt":44},"01M713QA9WJDHMNVTTY1ENRKVB","wealth-advisory","Wealth management and financial planning for HNW and UHNW clients. Activate when the user\nmentions wealth management, financial planning, retirement, estate planning, tax planning,\nGRAT, IDGT, trust, asset allocation, withdrawal rate, Monte Carlo simulation, goals-based\ninvesting, tax-loss harvesting, Roth conversion, insurance, annuity, mortgage strategy,\nconcentrated stock, family office, direct indexing, 529 plan, charitable giving, donor-advised\nfund, private foundation, or asks about personal finance strategy, inheritance, long-term\nfinancial planning, or UHNW advisory.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fwealth-advisory\u002FSKILL.md",[225],{"categoryNo":226,"categoryName":227,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000040","财务",[229,230,32,231,232,33,159,233,234,235,236,237,238,239,240,241,242,243,244,245],"wealth advisory","advisory","stock","inheritance","conversion","indexing","plan","simulation","personal finance","rate","allocation","asset","direct","personal","investing","trust","planning"]