[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6XG2MHW743B0JVCQWEMWC74":3,"skill-same:01M6XG2MHW743B0JVCQWEMWC74":94},{"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":50,"commitSha":51,"skillDirectory":52,"forksCount":53,"repositoryHtmlUrl":54,"repositoryHomepageUrl":6,"ownerHtmlUrl":55,"ownerBlogUrl":6,"ownerDescription":56,"updatedAt":57,"install":58,"resources":71},"01M6XG2MHW743B0JVCQWEMWC74","finance-toolkit",null,"Personal finance skill suite for a mid-20s dual-income couple in Ho Chi Minh City. Covers budgeting, emergency fund building, investments, insurance, tax optimization, goal planning, and couple dynamics — all calibrated to Vietnam's financial ecosystem. Use when the user asks about budgeting, saving, investing, insurance, taxes, or financial goal planning — trigger phrases include \"review our budget\", \"how should we invest\", \"do we have enough insurance\", and \"plan for a home purchase\". Use even if the user only mentions one financial topic without asking for a full review.","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\u002Ffinance-toolkit\u002FSKILL.md",[18],{"categoryNo":19,"categoryName":20,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000040","财务","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],"toolkit","finance toolkit","finance","trigger","review","insurance","home","when","for","purchase","ecosystem","dynamics","planning","false","do","only","use","ho","plan","Optimization","2026-11-10 10:12:30",false,"---\nname: finance-toolkit\ndescription: >\n  Personal finance skill suite for a mid-20s dual-income couple in Ho Chi Minh City. Covers budgeting, emergency fund building, investments, insurance, tax optimization, goal planning, and couple dynamics — all calibrated to Vietnam's financial ecosystem. Use when the user asks about budgeting, saving, investing, insurance, taxes, or financial goal planning — trigger phrases include \"review our budget\", \"how should we invest\", \"do we have enough insurance\", and \"plan for a home purchase\". Use even if the user only mentions one financial topic without asking for a full review.\nuser-invokable: false\n---\n\n# Finance Toolkit\n\nPersonal finance guidance for a mid-20s dual-income couple in Ho Chi Minh City. All steps are calibrated to Vietnam's financial ecosystem, tax code, and cultural context.\n\n---\n\n## Step 1: Analyze Budget\n\nReview income and expenses against the 50\u002F30\u002F20 framework adapted for HCMC conditions.\n\n**Framework:** 50\u002F30\u002F20 adapted for HCMC\n\n| Category | % | HCMC Examples |\n|---|---|---|\n| Needs (50%) | Housing, utilities, transport, groceries, BHYT | Rent 8–20M; Grab\u002Fbike 2–4M; food 3–6M |\n| Wants (30%) | Cafes, dining out, entertainment, travel | HCMC cafe culture is high-spend risk |\n| Savings\u002FDebt (20%) | Emergency fund, investments, loan repayment | Minimum; scale up when possible |\n\n**Expense Audit Process:**\n1. Pull last 3 months of bank statements\n2. Categorize every transaction into Needs\u002FWants\u002FSavings\n3. Flag categories exceeding target %\n4. Identify \"hidden\" costs: wedding invitations, Tết gifts, parents' allowances\n5. Set monthly alert thresholds on Money Lover or similar app\n\n**Tracking tool:** Money Lover (VND-native), or bank apps (Techcombank, VPBank have built-in tracking)\n\n### Output\n\n50\u002F30\u002F20 actual vs. target breakdown, flagged overspend categories, and 3 prioritized cuts to close the gap.\n\n---\n\n## Step 2: Build Emergency Fund\n\nSet a target and recommend the right savings vehicles to reach it while staying liquid.\n\n**Target:** 3–6 months combined expenses in liquid savings\n\n**HCMC Benchmark:**\n- Monthly expenses 20M VND → target 60M–120M VND\n- Monthly expenses 30M VND → target 90M–180M VND\n\n**Allocation:**\n- 20% → standard savings account (instant ATM access)\n- 80% → 1–3 month term deposits (Techcombank\u002FVPBank flexible savings \"Tiết kiệm linh hoạt\")\n\n**Products available:**\n- Flexible savings (Tiết kiệm linh hoạt): higher rates than Big 4, accessible\n- Short-term deposits (1–3 months): capture yield while staying accessible\n- Certificates of Deposit (CDs): slightly better yield for stable portion\n- Fintech apps: Tikop, Finhay (high-liquidity accumulative accounts)\n\n> Load `01-vietnam-finance-context.md` for current benchmark interest rates and bank comparisons.\n\n### Output\n\nMonthly contribution plan to reach target in 6–12 months, with recommended savings vehicles and timeline.\n\n---\n\n## Step 3: Recommend Investments\n\nProfile the couple's risk tolerance and map it to an appropriate Vietnam-market portfolio.\n\n**Risk Profiling → Allocation:**\n\n| Risk | Stocks | Bonds\u002FSavings | Gold | High-Risk |\n|---|---|---|---|---|\n| Conservative | 30% | 50% | 15% | 5% |\n| Moderate (default age 25) | 50% | 25% | 15% | 10% |\n| Aggressive | 70% | 10% | 10% | 10% |\n\n**Vietnam investment ladder (start here, in order):**\n1. Emergency fund first (non-negotiable)\n2. VN30 ETF via TCBS\u002FVPS\u002FMBS\n3. Corporate bonds or high-interest deposits\n4. SJC\u002FPNJ gold (5–15% allocation for cultural hedge)\n5. International ETFs (via licensed platforms)\n6. Crypto (10% max, treat as speculative)\n\n> Load `02-investment-strategies.md` for platform comparison, account opening steps, and portfolio templates.\n\n### Output\n\nRisk profile assessment, recommended portfolio allocation, and next-action steps to open accounts and make the first investment.\n\n---\n\n## Step 4: Audit Insurance\n\nCheck coverage against the minimum viable checklist and identify gaps or over-insurance.\n\n**Minimum Viable Coverage Checklist:**\n- [ ] BHYT (mandatory social health) — must be active\n- [ ] Private inpatient health (for international\u002Fprivate hospitals like Vinmec)\n- [ ] Term life insurance (if dependents or shared mortgage)\n- [ ] Critical illness rider\n- [ ] Motorbike insurance (Bảo hiểm bắt buộc — legally required)\n\n**Red flags:** Investment-linked insurance (VUL) before emergency fund is built; whole life before term life considered; BHYT-only coverage.\n\n> Load `03-protection-and-tax.md` for insurer comparisons, premium estimates, and coverage gap scenarios.\n\n### Output\n\nCoverage gap report (what's missing, what's redundant), prioritized actions, and estimated premium costs.\n\n---\n\n## Step 5: Optimize Taxes\n\nIdentify legal deductions and filing strategies to reduce Personal Income Tax liability.\n\n**PIT Quick Reference (dual-income couple):**\n- Personal deduction: 11M VND\u002Fmonth each (22M total)\n- Dependent deduction: 4.4M VND\u002Fmonth per dependent (one spouse claims each)\n- BHXH\u002FBHYT\u002FBHTN: ~10.5% of gross salary — fully tax-deductible\n- Progressive rates: 5% (up to 5M taxable) → 35% (above 80M taxable)\n\n**Filing:** Single employer → employer does year-end finalization. Multiple income streams → file personally by March 31.\n\n**Legal optimization checklist:**\n- [ ] All dependents (parents, children) properly registered with tax authority\n- [ ] Non-taxable allowances maximized (meal: up to 730k\u002Fmonth; phone: up to 1M\u002Fmonth)\n- [ ] Ensure BHXH contributions are on actual salary\n\n> Load `03-protection-and-tax.md` for PIT bracket table and step-by-step filing guide.\n\n### Output\n\nEstimated tax liability before\u002Fafter optimization, list of deductions to claim, and filing deadline reminders.\n\n---\n\n## Step 6: Plan Goals\n\nMap financial goals to timelines and investment vehicles appropriate to each horizon.\n\n**Standard milestones for HCMC mid-20s couple:**\n\n| Goal | Timeline | Target (VND) | Primary Vehicle |\n|---|---|---|---|\n| Emergency fund | 6–12 months | 90M–180M | Term deposits |\n| Wedding fund | 12–24 months | 150M–400M | High-yield savings |\n| Home down payment | 3–7 years | 600M–2B+ | VN30 ETF + savings |\n| Retirement top-up | 30+ years | Maximize BHXH + pension fund | Dragon Capital voluntary pension |\n\n> Load `04-long-term-planning.md` for HCMC property price map, mortgage calculator inputs, and BHXH optimization strategies.\n\n### Output\n\nPrioritized goal list with monthly savings targets, recommended vehicles, and projected timelines.\n\n---\n\n## Step 7: Coach Couple Dynamics\n\nAdvise on account structure, contribution ratios, and communication practices to align the couple's finances.\n\n**Default framework: Hybrid Account Model**\n- Joint account: rent, groceries, utilities, shared goals, parents' allowances\n- Separate accounts: personal spending, individual savings, personal filial piety\n- Contribution ratio: proportional to income (not 50\u002F50 unless salaries are equal)\n\n**Monthly Money Date agenda:**\n1. Review last month's 50\u002F30\u002F20 actuals vs. targets\n2. Flag upcoming large expenses (weddings, Tết, travel)\n3. Update progress on shared goals\n4. Air any financial concerns before they become conflicts\n\n> Load `05-couple-dynamics.md` for conflict frameworks, Vietnamese family finance norms, and life event planning templates.\n\n### Output\n\nRecommended account structure, contribution split, and a monthly money date template tailored to the couple's situation.\n\n---\n\n## Reference Index\n\n| File | Topics | Load When |\n|---|---|---|\n| `01-vietnam-finance-context.md` | HCMC cost of living, budgeting, emergency fund, debt\u002Fcredit, CIC | Budgeting review, emergency fund setup, debt questions |\n| `02-investment-strategies.md` | VN stock market, gold, RE, ETFs, crypto, portfolio templates | Investment advice, portfolio construction |\n| `03-protection-and-tax.md` | BHYT, private health, life insurance, PIT brackets, deductions | Insurance audit, tax questions |\n| `04-long-term-planning.md` | BHXH retirement, voluntary pension, HCMC property prices, mortgage | Retirement planning, home buying |\n| `05-couple-dynamics.md` | Joint accounts, goal alignment, Vietnamese family obligations, life events | Couple money dynamics, major life event planning |\n","# Finance Toolkit\n\nPersonal finance guidance for a mid-20s dual-income couple in Ho Chi Minh City. All steps are calibrated to Vietnam's financial ecosystem, tax code, and cultural context.\n\n---\n\n## Step 1: Analyze Budget\n\nReview income and expenses against the 50\u002F30\u002F20 framework adapted for HCMC conditions.\n\n**Framework:** 50\u002F30\u002F20 adapted for HCMC\n\n| Category | % | HCMC Examples |\n|---|---|---|\n| Needs (50%) | Housing, utilities, transport, groceries, BHYT | Rent 8–20M; Grab\u002Fbike 2–4M; food 3–6M |\n| Wants (30%) | Cafes, dining out, entertainment, travel | HCMC cafe culture is high-spend risk |\n| Savings\u002FDebt (20%) | Emergency fund, investments, loan repayment | Minimum; scale up when possible |\n\n**Expense Audit Process:**\n1. Pull last 3 months of bank statements\n2. Categorize every transaction into Needs\u002FWants\u002FSavings\n3. Flag categories exceeding target %\n4. Identify \"hidden\" costs: wedding invitations, Tết gifts, parents' allowances\n5. Set monthly alert thresholds on Money Lover or similar app\n\n**Tracking tool:** Money Lover (VND-native), or bank apps (Techcombank, VPBank have built-in tracking)\n\n### Output\n\n50\u002F30\u002F20 actual vs. target breakdown, flagged overspend categories, and 3 prioritized cuts to close the gap.\n\n---\n\n## Step 2: Build Emergency Fund\n\nSet a target and recommend the right savings vehicles to reach it while staying liquid.\n\n**Target:** 3–6 months combined expenses in liquid savings\n\n**HCMC Benchmark:**\n- Monthly expenses 20M VND → target 60M–120M VND\n- Monthly expenses 30M VND → target 90M–180M VND\n\n**Allocation:**\n- 20% → standard savings account (instant ATM access)\n- 80% → 1–3 month term deposits (Techcombank\u002FVPBank flexible savings \"Tiết kiệm linh hoạt\")\n\n**Products available:**\n- Flexible savings (Tiết kiệm linh hoạt): higher rates than Big 4, accessible\n- Short-term deposits (1–3 months): capture yield while staying accessible\n- Certificates of Deposit (CDs): slightly better yield for stable portion\n- Fintech apps: Tikop, Finhay (high-liquidity accumulative accounts)\n\n> Load `01-vietnam-finance-context.md` for current benchmark interest rates and bank comparisons.\n\n### Output\n\nMonthly contribution plan to reach target in 6–12 months, with recommended savings vehicles and timeline.\n\n---\n\n## Step 3: Recommend Investments\n\nProfile the couple's risk tolerance and map it to an appropriate Vietnam-market portfolio.\n\n**Risk Profiling → Allocation:**\n\n| Risk | Stocks | Bonds\u002FSavings | Gold | High-Risk |\n|---|---|---|---|---|\n| Conservative | 30% | 50% | 15% | 5% |\n| Moderate (default age 25) | 50% | 25% | 15% | 10% |\n| Aggressive | 70% | 10% | 10% | 10% |\n\n**Vietnam investment ladder (start here, in order):**\n1. Emergency fund first (non-negotiable)\n2. VN30 ETF via TCBS\u002FVPS\u002FMBS\n3. Corporate bonds or high-interest deposits\n4. SJC\u002FPNJ gold (5–15% allocation for cultural hedge)\n5. International ETFs (via licensed platforms)\n6. Crypto (10% max, treat as speculative)\n\n> Load `02-investment-strategies.md` for platform comparison, account opening steps, and portfolio templates.\n\n### Output\n\nRisk profile assessment, recommended portfolio allocation, and next-action steps to open accounts and make the first investment.\n\n---\n\n## Step 4: Audit Insurance\n\nCheck coverage against the minimum viable checklist and identify gaps or over-insurance.\n\n**Minimum Viable Coverage Checklist:**\n- [ ] BHYT (mandatory social health) — must be active\n- [ ] Private inpatient health (for international\u002Fprivate hospitals like Vinmec)\n- [ ] Term life insurance (if dependents or shared mortgage)\n- [ ] Critical illness rider\n- [ ] Motorbike insurance (Bảo hiểm bắt buộc — legally required)\n\n**Red flags:** Investment-linked insurance (VUL) before emergency fund is built; whole life before term life considered; BHYT-only coverage.\n\n> Load `03-protection-and-tax.md` for insurer comparisons, premium estimates, and coverage gap scenarios.\n\n### Output\n\nCoverage gap report (what's missing, what's redundant), prioritized actions, and estimated premium costs.\n\n---\n\n## Step 5: Optimize Taxes\n\nIdentify legal deductions and filing strategies to reduce Personal Income Tax liability.\n\n**PIT Quick Reference (dual-income couple):**\n- Personal deduction: 11M VND\u002Fmonth each (22M total)\n- Dependent deduction: 4.4M VND\u002Fmonth per dependent (one spouse claims each)\n- BHXH\u002FBHYT\u002FBHTN: ~10.5% of gross salary — fully tax-deductible\n- Progressive rates: 5% (up to 5M taxable) → 35% (above 80M taxable)\n\n**Filing:** Single employer → employer does year-end finalization. Multiple income streams → file personally by March 31.\n\n**Legal optimization checklist:**\n- [ ] All dependents (parents, children) properly registered with tax authority\n- [ ] Non-taxable allowances maximized (meal: up to 730k\u002Fmonth; phone: up to 1M\u002Fmonth)\n- [ ] Ensure BHXH contributions are on actual salary\n\n> Load `03-protection-and-tax.md` for PIT bracket table and step-by-step filing guide.\n\n### Output\n\nEstimated tax liability before\u002Fafter optimization, list of deductions to claim, and filing deadline reminders.\n\n---\n\n## Step 6: Plan Goals\n\nMap financial goals to timelines and investment vehicles appropriate to each horizon.\n\n**Standard milestones for HCMC mid-20s couple:**\n\n| Goal | Timeline | Target (VND) | Primary Vehicle |\n|---|---|---|---|\n| Emergency fund | 6–12 months | 90M–180M | Term deposits |\n| Wedding fund | 12–24 months | 150M–400M | High-yield savings |\n| Home down payment | 3–7 years | 600M–2B+ | VN30 ETF + savings |\n| Retirement top-up | 30+ years | Maximize BHXH + pension fund | Dragon Capital voluntary pension |\n\n> Load `04-long-term-planning.md` for HCMC property price map, mortgage calculator inputs, and BHXH optimization strategies.\n\n### Output\n\nPrioritized goal list with monthly savings targets, recommended vehicles, and projected timelines.\n\n---\n\n## Step 7: Coach Couple Dynamics\n\nAdvise on account structure, contribution ratios, and communication practices to align the couple's finances.\n\n**Default framework: Hybrid Account Model**\n- Joint account: rent, groceries, utilities, shared goals, parents' allowances\n- Separate accounts: personal spending, individual savings, personal filial piety\n- Contribution ratio: proportional to income (not 50\u002F50 unless salaries are equal)\n\n**Monthly Money Date agenda:**\n1. Review last month's 50\u002F30\u002F20 actuals vs. targets\n2. Flag upcoming large expenses (weddings, Tết, travel)\n3. Update progress on shared goals\n4. Air any financial concerns before they become conflicts\n\n> Load `05-couple-dynamics.md` for conflict frameworks, Vietnamese family finance norms, and life event planning templates.\n\n### Output\n\nRecommended account structure, contribution split, and a monthly money date template tailored to the couple's situation.\n\n---\n\n## Reference Index\n\n| File | Topics | Load When |\n|---|---|---|\n| `01-vietnam-finance-context.md` | HCMC cost of living, budgeting, emergency fund, debt\u002Fcredit, CIC | Budgeting review, emergency fund setup, debt questions |\n| `02-investment-strategies.md` | VN stock market, gold, RE, ETFs, crypto, portfolio templates | Investment advice, portfolio construction |\n| `03-protection-and-tax.md` | BHYT, private health, life insurance, PIT brackets, deductions | Insurance audit, tax questions |\n| `04-long-term-planning.md` | BHXH retirement, voluntary pension, HCMC property prices, mortgage | Retirement planning, home buying |\n| `05-couple-dynamics.md` | Joint accounts, goal alignment, Vietnamese family obligations, life events | Couple money dynamics, major life event planning |\n",{"name":5,"description":49,"user-invokable":45},"Personal finance skill suite for a mid-20s dual-income couple in Ho Chi Minh City. 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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",[101],{"categoryNo":102,"categoryName":103,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000037","律师与法务",[97,105,29,106,107,108,31,28,109,110,111,112,113,114,115,116,117,118,119,120],"insurance law","civil","contract","family","loyalty","with","top","contract review","ceo","support","advice","consultation","regulatory","privacy","protection","startup",{"skillNo":122,"name":123,"nameZh":6,"description":124,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":125,"categories":126,"keywords":127,"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",[],[128,129,130,131,29,132,133,31,134,135,136,137,138,139,140,32,141,142,40,143],"zocdoc doctor finder","doctor","healthcare","reviews","browser automation","access","browsing","browser","booking","network","therapist","computer","availability","provider","tool","automation",{"skillNo":145,"name":146,"nameZh":6,"description":147,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":148,"categories":149,"keywords":155,"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",[150],{"categoryNo":151,"categoryName":152,"taxonomyType":153,"taxonomyTypeDesc":154},"01JBSEEDCAT000000000000016","图像与多媒体","SCENARIO","使用场景",[156,157,158,159,29,160,161,162,163,164,165,166,167,168,169,170,171,172,173,174],"context","zenmux context","Video","chinese","project","web search","translate","search","open","question","pay","image","you","activate","architecture","logs","streaming","cherry studio","how",{"skillNo":176,"name":177,"nameZh":6,"description":178,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":179,"categories":180,"keywords":181,"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",[],[182,183,184,185,186,29,187,188,40,31,189,110,190,191,192,193,194,195,196],"workers","comp","workers comp","workers comp guide","guide","triggers","workers-comp","tasks","claims management","claims","compliance","help","compensation","management","user",{"skillNo":198,"name":199,"nameZh":6,"description":200,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":201,"categories":202,"keywords":212,"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",[203,206,209],{"categoryNo":204,"categoryName":205,"taxonomyType":153,"taxonomyTypeDesc":154},"01JBSEEDCAT000000000000003","演示文稿",{"categoryNo":207,"categoryName":208,"taxonomyType":153,"taxonomyTypeDesc":154},"01JBSEEDCAT000000000000004","电子表格",{"categoryNo":210,"categoryName":211,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000034","行政与办公人员",[213,214,215,216,217,29,218,219,220,221,31,222,223,224,225,226,227,228,40,229],"weekly","weekly kpi report","kpi","report","xlsx","actionable","insights","briefing","auto","board report","reports","generate","演示","data","presentation","slides","uploads",{"skillNo":231,"name":232,"nameZh":6,"description":233,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":234,"categories":235,"keywords":237,"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",[236],{"categoryNo":19,"categoryName":20,"taxonomyType":21,"taxonomyTypeDesc":22},[238,239,29,240,241,31,169,242,243,42,244,245,246,247,248,249,250,251,252,36],"wealth advisory","advisory","stock","inheritance","conversion","indexing","simulation","personal finance","rate","allocation","asset","direct","personal","investing","trust"]