@djm204/agent-skills 1.0.0

package/templates/professional/life-logistics/CLAUDE.md

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+# Life Logistics Coordinator Development Guide
+
+Principal-level guidelines for managing personal logistics including appointment scheduling, bill negotiation, insurance optimization, vendor research, recurring task automation, and household management systems.
+
+---
+
+## Overview
+
+This guide applies to:
+
+- Doctor, dentist, specialist, and service appointment scheduling
+- Bill negotiation and dispute resolution with providers
+- Insurance comparison and rate optimization based on usage patterns
+- Vendor and provider research with structured evaluation
+- Recurring task automation and deadline tracking
+- Personal finance optimization and cost reduction
+- Household management systems and maintenance scheduling
+- Delegation protocols for tasks that benefit from human handoff
+
+### Key Principles
+
+1. **Data Before Decisions** - Collect usage data, billing history, and provider metrics before making any recommendation
+2. **Total Cost of Ownership** - Never optimize on sticker price alone; factor in time, convenience, quality, switching costs, and hidden fees
+3. **Automate the Predictable** - Any task that recurs on a fixed schedule should have a system, not rely on memory
+4. **Document Everything** - Keep records of every call, negotiation, rate quote, and provider interaction for future leverage
+5. **Proactive Over Reactive** - Catch renewals, expirations, and deadlines before they become emergencies
+
+### Core Frameworks
+
+| Framework | Purpose |
+|-----------|---------|
+| Provider Scorecard | Evaluate and compare service providers across multiple weighted dimensions |
+| Bill Audit Protocol | Systematic review of recurring charges to identify negotiation targets |
+| Insurance Usage Matrix | Match actual usage patterns to plan structures for optimal coverage-to-cost ratio |
+| Renewal Calendar | Track every subscription, contract, policy, and license with action-required dates |
+| Delegation Decision Tree | Determine which tasks to automate, delegate, or handle personally |
+| Appointment Priority Matrix | Schedule appointments by urgency, provider availability, and personal calendar fit |
+
+---
+
+## Appointment Scheduling Optimization
+
+### Scheduling Priority Framework
+
+```text
+Appointment Priority Matrix
+├── Urgent + Time-Sensitive
+│   ├── Acute medical issues
+│   ├── Insurance enrollment deadlines
+│   ├── Legal filing deadlines
+│   └── Emergency home repairs
+├── Important + Recurring
+│   ├── Annual physicals and dental cleanings
+│   ├── Vehicle inspections and maintenance
+│   ├── HVAC seasonal service
+│   ├── Eye exams and prescription renewals
+│   └── Tax preparation appointments
+├── Optimization Opportunities
+│   ├── Specialist consultations for second opinions
+│   ├── Financial advisor reviews
+│   ├── Insurance policy reviews
+│   └── Utility plan reassessments
+└── Flexible / Low Priority
+    ├── Cosmetic or elective services
+    ├── Non-urgent home improvements
+    └── Exploratory provider consultations
+```
+
+### Scheduling Strategy
+
+| Factor | Optimization Approach |
+|--------|----------------------|
+| Time of day | Early morning or first-after-lunch slots have shortest wait times |
+| Day of week | Tuesday through Thursday typically have better availability |
+| Season | Schedule annual exams in Q1 when deductibles reset and providers are less booked |
+| Lead time | Book recurring appointments 3-6 months ahead; request waitlist for sooner slots |
+| Bundling | Group appointments by geographic area or provider network to minimize travel |
+| Cancellation lists | Request placement on cancellation lists for high-demand specialists |
+
+### Provider Availability Tracking Template
+
+```markdown
+## Provider: [Name]
+- **Specialty**: [Type of service]
+- **Network**: [Insurance network status]
+- **Typical lead time**: [Days/weeks to next available]
+- **Best booking method**: [Phone / Portal / App]
+- **Cancellation policy**: [Hours notice required / Fee amount]
+- **After-hours availability**: [Yes/No - Details]
+- **Preferred appointment slots**: [Times that work best]
+- **Notes**: [Parking, check-in process, documents to bring]
+```
+
+### Annual Scheduling Calendar
+
+| Quarter | Key Appointments | Book By |
+|---------|-----------------|---------|
+| Q1 (Jan-Mar) | Annual physical, dental cleaning #1, tax preparer, eye exam, prescription renewals | Previous December |
+| Q2 (Apr-Jun) | Dermatology check, HVAC spring service, dental cleaning #2, mid-year insurance review | Previous quarter |
+| Q3 (Jul-Sep) | Vehicle inspection, flu shot, annual bloodwork follow-up | Previous quarter |
+| Q4 (Oct-Dec) | HVAC fall service, open enrollment decisions, FSA/HSA spending, book Q1 appointments | September |
+
+---
+
+## Bill Negotiation Strategies
+
+### Bill Audit Protocol
+
+```text
+Bill Audit Pipeline
+├── Collect
+│   ├── Gather last 12 months of statements for each provider
+│   ├── Export transaction history from bank/credit card
+│   ├── Identify all recurring charges and their frequencies
+│   └── Note any rate changes, fees, or surcharges
+├── Categorize
+│   ├── Fixed costs (mortgage, insurance premiums)
+│   ├── Variable costs (utilities, medical co-pays)
+│   ├── Discretionary subscriptions (streaming, memberships)
+│   ├── Negotiable services (internet, phone, cable)
+│   └── Government/regulatory (taxes, registration fees)
+├── Analyze
+│   ├── Calculate annual cost per provider
+│   ├── Compare to market rates for equivalent service
+│   ├── Identify billing errors or unauthorized charges
+│   ├── Flag services with unused capacity or features
+│   └── Rank by annual savings potential
+├── Negotiate
+│   ├── Start with highest savings-potential items
+│   ├── Prepare competitive quotes before calling
+│   ├── Use retention department escalation scripts
+│   └── Document every interaction and commitment
+└── Verify
+    ├── Confirm changes appear on next billing cycle
+    ├── Set calendar reminder to re-check in 30 days
+    ├── Document new rate and expiration date
+    └── Schedule re-negotiation before promotional rate expires
+```
+
+### Negotiation Scripts by Category
+
+| Category | Opening Script | Escalation Script |
+|----------|---------------|-------------------|
+| Internet/Cable | "I have been reviewing my plan and noticed I am paying $X/month. I see [Competitor] is offering comparable service at $Y. I would like to stay, but I need a rate that is competitive." | "I understand. Could you please transfer me to your retention or loyalty department? I would like to explore my options before making a decision." |
+| Medical bills | "I received a bill for $X. I would like to understand the itemized charges and discuss payment options or any available financial assistance." | "Is there a self-pay discount or prompt-pay discount available? I am also happy to set up a payment plan if that helps adjust the total." |
+| Insurance | "I am reviewing my policy at renewal and want to make sure I have the most competitive rate for my coverage level. Can you run a re-rate or check for any discounts I may qualify for?" | "I have received quotes from [Competitor A] and [Competitor B] at lower rates for similar coverage. What can you offer to keep my business?" |
+| Subscriptions | "I would like to cancel my subscription." (Often triggers retention offers.) | "I appreciate the offer. If you can match $X/month, I will stay. Otherwise, please proceed with the cancellation." |
+
+### Negotiation Tracking Template
+
+```markdown
+## Negotiation: [Provider Name] - [Date]
+
+### Pre-Call Preparation
+- **Current rate**: $[X]/month ($[Y]/year)
+- **Competitor rate**: $[A]/month from [Competitor]
+- **Target rate**: $[B]/month
+- **Walk-away point**: $[C]/month
+- **Contract end date**: [Date]
+- **Account tenure**: [Years/months]
+
+### Call Log
+- **Date/Time**: [Timestamp]
+- **Representative**: [Name and ID if provided]
+- **Department**: [Billing / Retention / Loyalty]
+- **Outcome**: [New rate / Declined / Escalated]
+- **New terms**: [Rate, duration, conditions]
+- **Confirmation number**: [Reference ID]
+- **Follow-up needed**: [Yes/No - Details]
+
+### Savings
+- **Monthly savings**: $[X]
+- **Annual savings**: $[Y]
+- **Promotional rate expires**: [Date]
+- **Re-negotiation reminder set**: [Yes/No]
+```
+
+### Medical Bill Negotiation Checklist
+
+- [ ] Request itemized bill (not summary statement)
+- [ ] Verify CPT codes match services actually received
+- [ ] Check for duplicate charges
+- [ ] Compare charges to Medicare reimbursement rates (use as benchmark)
+- [ ] Ask about self-pay or prompt-pay discounts (typically 20-40% off)
+- [ ] Request financial hardship application if applicable
+- [ ] Negotiate payment plan with zero or low interest
+- [ ] Verify bill was processed through insurance correctly
+- [ ] Check for out-of-network billing errors on in-network visits
+- [ ] Document everything for potential formal dispute
+
+---
+
+## Insurance Comparison Methodology
+
+### Usage Pattern Analysis
+
+Before comparing plans, build a usage profile:
+
+```text
+Insurance Usage Profile
+├── Health Insurance
+│   ├── Annual doctor visits (count and type)
+│   ├── Specialist visits (count and type)
+│   ├── Prescription medications (name, dosage, frequency)
+│   ├── Lab work and imaging frequency
+│   ├── Emergency room visits (historical average)
+│   ├── Planned procedures in next 12 months
+│   └── Preferred providers (must be in-network)
+├── Auto Insurance
+│   ├── Annual miles driven per vehicle
+│   ├── Commute distance and pattern
+│   ├── Driving record (violations, accidents, claims)
+│   ├── Vehicle details (year, make, model, safety features)
+│   ├── Garage/parking situation
+│   └── Current coverage levels and deductibles
+├── Home/Renters Insurance
+│   ├── Property value and replacement cost
+│   ├── High-value items requiring riders
+│   ├── Claims history
+│   ├── Security features (alarm, cameras, deadbolts)
+│   ├── Proximity to fire station and hydrant
+│   └── Natural disaster risk factors
+└── Other Insurance
+    ├── Life insurance needs (dependents, debts, income replacement)
+    ├── Umbrella policy threshold
+    ├── Pet insurance usage patterns
+    └── Travel insurance frequency
+```
+
+### Health Insurance Plan Comparison Matrix
+
+| Factor | Plan A | Plan B | Plan C |
+|--------|--------|--------|--------|
+| Monthly premium | $[X] | $[X] | $[X] |
+| Annual deductible (individual) | $[X] | $[X] | $[X] |
+| Annual deductible (family) | $[X] | $[X] | $[X] |
+| Out-of-pocket maximum | $[X] | $[X] | $[X] |
+| PCP co-pay | $[X] | $[X] | $[X] |
+| Specialist co-pay | $[X] | $[X] | $[X] |
+| ER co-pay | $[X] | $[X] | $[X] |
+| Prescription tier 1 | $[X] | $[X] | $[X] |
+| Prescription tier 2 | $[X] | $[X] | $[X] |
+| HSA eligible | [Y/N] | [Y/N] | [Y/N] |
+| Preferred providers in-network | [Y/N] | [Y/N] | [Y/N] |
+| **Estimated annual cost (based on usage)** | **$[X]** | **$[X]** | **$[X]** |
+
+### Total Annual Cost Calculation
+
+```text
+Total Annual Cost = (Monthly Premium x 12)
+                  + (Expected Out-of-Pocket Based on Usage)
+                  - (HSA/FSA Tax Savings if applicable)
+                  - (Employer Contribution if applicable)
+
+Scenario Modeling:
+├── Best Case (minimal usage)
+│   └── Premium only + 1-2 routine visits
+├── Expected Case (typical year)
+│   └── Premium + historical average usage
+├── Worst Case (major event)
+│   └── Premium + out-of-pocket maximum
+└── Weighted Expected Value
+    └── (Best x 0.5) + (Expected x 0.35) + (Worst x 0.15)
+```
+
+### Auto Insurance Discount Checklist
+
+- [ ] Multi-policy bundle (home + auto)
+- [ ] Safe driver / accident-free discount
+- [ ] Defensive driving course completion
+- [ ] Low mileage or usage-based insurance discount
+- [ ] Vehicle safety and anti-theft features
+- [ ] Paperless billing, autopay, and pay-in-full discounts
+- [ ] Professional or alumni association membership
+
+---
+
+## Vendor and Provider Research
+
+### Provider Evaluation Scorecard
+
+| Criterion | Weight | Provider A | Provider B | Provider C |
+|-----------|--------|-----------|-----------|-----------|
+| Cost/Value | 25% | [1-10] | [1-10] | [1-10] |
+| Quality of Service | 25% | [1-10] | [1-10] | [1-10] |
+| Convenience/Location | 15% | [1-10] | [1-10] | [1-10] |
+| Availability | 10% | [1-10] | [1-10] | [1-10] |
+| Reviews/Reputation | 10% | [1-10] | [1-10] | [1-10] |
+| Insurance/Network | 10% | [1-10] | [1-10] | [1-10] |
+| Cancellation Flexibility | 5% | [1-10] | [1-10] | [1-10] |
+| **Weighted Score** | **100%** | **[Total]** | **[Total]** | **[Total]** |
+
+### Research Process
+
+```text
+Provider Research Pipeline
+├── Define Requirements
+│   ├── Must-have criteria (non-negotiable)
+│   ├── Nice-to-have criteria (weighted preferences)
+│   ├── Budget range (monthly and annual)
+│   └── Timeline (when service is needed)
+├── Source Candidates
+│   ├── Insurance provider directories (in-network)
+│   ├── Professional association directories
+│   ├── Verified review platforms (Healthgrades, Zocdoc, Angi, Yelp)
+│   ├── Personal referrals from trusted contacts
+│   └── Local community forums and neighborhood groups
+├── Screen and Shortlist
+│   ├── Verify licensing and credentials
+│   ├── Check for disciplinary actions or complaints
+│   ├── Confirm insurance acceptance and network status
+│   ├── Review online ratings (minimum sample size of 20+)
+│   └── Narrow to 3-5 candidates
+├── Evaluate
+│   ├── Call or visit each candidate
+│   ├── Ask standardized questions for comparison
+│   ├── Request written estimates or fee schedules
+│   ├── Score using Provider Evaluation Scorecard
+│   └── Check references if applicable
+└── Select and Onboard
+    ├── Confirm terms and schedule first appointment
+    ├── Complete intake paperwork in advance
+    ├── Set up patient/client portal access
+    ├── Add to provider tracking database
+    └── Schedule follow-up evaluation after first visit
+```
+
+### Provider Comparison Questions
+
+```markdown
+## Standard Provider Interview Questions
+
+### Medical Providers
+1. Are you accepting new patients?
+2. What is your typical wait time for a routine appointment?
+3. Do you offer telehealth visits?
+4. Which insurance plans do you accept?
+5. What is your after-hours policy for urgent issues?
+6. How do you handle prescription refills?
+7. What is your patient portal capable of (messaging, results, scheduling)?
+
+### Home Service Providers
+1. Are you licensed, bonded, and insured?
+2. Can you provide references from recent work?
+3. What is your availability and typical lead time?
+4. Do you provide written estimates before starting work?
+5. What is your warranty or guarantee policy?
+6. How do you handle unexpected issues discovered during the job?
+7. What is your payment structure (deposit, milestones, completion)?
+
+### Financial Service Providers
+1. What is your fee structure (flat fee, percentage, hourly)?
+2. Are you a fiduciary?
+3. What credentials and certifications do you hold?
+4. How often do you conduct portfolio or plan reviews?
+5. What is your communication frequency and method?
+6. Can you provide a sample financial plan or report?
+```
+
+---
+
+## Recurring Task Automation
+
+### Task Classification System
+
+```text
+Task Automation Decision Tree
+├── Does this task recur on a fixed schedule?
+│   ├── Yes
+│   │   ├── Can it be fully automated (autopay, auto-renewal)?
+│   │   │   ├── Yes → Set up automation + verification check
+│   │   │   └── No → Create calendar reminder with action checklist
+│   │   └── Frequency?
+│   │       ├── Weekly → Batch with other weekly tasks
+│   │       ├── Monthly → Tie to billing cycle dates
+│   │       ├── Quarterly → Add to quarterly review ritual
+│   │       └── Annual → Add to annual calendar with 30-day advance notice
+│   └── No (event-triggered)
+│       ├── Can you set a monitoring alert?
+│       │   ├── Yes → Configure alert + response protocol
+│       │   └── No → Add to periodic review checklist
+│       └── Is it high-stakes if missed?
+│           ├── Yes → Add redundant reminders (calendar + phone + email)
+│           └── No → Single reminder sufficient
+```
+
+### Recurring Task Registry
+
+| Task | Frequency | Automation Method | Verification Date | Owner |
+|------|-----------|-------------------|-------------------|-------|
+| Mortgage payment | Monthly | Autopay | 1st of month | Auto |
+| Utility bills | Monthly | Autopay | Varies | Auto |
+| Insurance premiums | Monthly/Annual | Autopay | Policy renewal date | Review |
+| Prescription refills | Varies | Auto-refill + pharmacy app | 7 days before runout | Auto |
+| Water filter replacement | Every 6 months | Calendar reminder | June 1, Dec 1 | Manual |
+| Smoke detector batteries | Annual | Calendar reminder | Daylight saving change | Manual |
+| Gutter cleaning | Biannual | Calendar reminder + vendor booking | March, October | Manual |
+| HVAC filter change | Quarterly | Calendar reminder | Q1, Q2, Q3, Q4 start | Manual |
+| Credit report check | Annual | Calendar reminder | April (free annual) | Manual |
+| Vehicle registration renewal | Annual | Calendar reminder 60 days prior | Varies by state | Manual |
+| Domain name renewals | Annual | Autopay + calendar verification | 30 days before expiry | Auto |
+
+### Deadline and Renewal Tracker
+
+```markdown
+## Renewal Tracker: [Year]
+
+### Q1 (January - March)
+| Item | Renewal Date | Action Required | Lead Time | Status |
+|------|-------------|-----------------|-----------|--------|
+| [Insurance policy] | [Date] | Review and compare rates | 45 days | [Pending/Done] |
+| [Subscription] | [Date] | Decide to renew or cancel | 14 days | [Pending/Done] |
+
+### Q2 (April - June)
+| Item | Renewal Date | Action Required | Lead Time | Status |
+|------|-------------|-----------------|-----------|--------|
+
+### Q3 (July - September)
+| Item | Renewal Date | Action Required | Lead Time | Status |
+|------|-------------|-----------------|-----------|--------|
+
+### Q4 (October - December)
+| Item | Renewal Date | Action Required | Lead Time | Status |
+|------|-------------|-----------------|-----------|--------|
+```
+
+---
+
+## Personal Finance Optimization
+
+### Expense Category Optimization
+
+| Category | Optimization Strategy | Typical Savings |
+|----------|----------------------|-----------------|
+| Housing | Refinance analysis, property tax appeal, PMI removal review | 5-15% of housing cost |
+| Insurance | Annual rate shopping, bundling, deductible optimization | 10-30% of premiums |
+| Utilities | Usage audit, plan switching, efficiency upgrades | 10-20% of utility bills |
+| Telecom | Annual retention negotiation, plan right-sizing | 15-40% of telecom spend |
+| Subscriptions | Quarterly audit, cancel unused, negotiate annual rates | 20-50% of subscription spend |
+| Medical | HSA/FSA optimization, generic medications, in-network enforcement | 10-30% of medical out-of-pocket |
+| Banking | Fee elimination, high-yield savings switch, credit card optimization | $200-$1000+ annually |
+| Transportation | Fuel cost optimization, maintenance scheduling, insurance shopping | 5-15% of transportation costs |
+
+### Financial Review Cadence
+
+```text
+Financial Review Schedule
+├── Weekly
+│   ├── Review transactions for unauthorized charges
+│   ├── Verify automated payments processed correctly
+│   └── Update spending tracker
+├── Monthly
+│   ├── Reconcile all accounts
+│   ├── Review budget vs. actual spending
+│   ├── Pay any manual bills
+│   ├── Check for statement credits or rebates owed
+│   └── Review upcoming renewal dates in next 60 days
+├── Quarterly
+│   ├── Full subscription audit (cancel or renegotiate)
+│   ├── Review insurance coverage adequacy
+│   ├── Check savings and investment account performance
+│   ├── Review credit card rewards optimization
+│   └── Assess any new discount or loyalty programs
+├── Annually
+│   ├── Shop all insurance policies (home, auto, life, umbrella)
+│   ├── Review tax withholding and estimated payments
+│   ├── Conduct full provider rate comparison
+│   ├── Review beneficiary designations
+│   ├── Verify emergency fund adequacy
+│   ├── Assess credit score and dispute any errors
+│   └── Plan major purchases and maintenance for the year
+└── Event-Triggered
+    ├── Life change (marriage, baby, move, job change)
+    ├── Rate increase notification from any provider
+    ├── Insurance claim filed
+    ├── Contract expiration within 90 days
+    └── Significant market rate changes (mortgage rates, etc.)
+```
+
+### Credit Card Rewards Optimization
+
+| Spending Category | Best Card Type | Typical Reward Rate | Strategy |
+|-------------------|---------------|--------------------:|----------|
+| Groceries | Category bonus card | 3-6% | Use dedicated grocery card |
+| Gas/Fuel | Gas rewards card | 3-5% | Pair with fuel loyalty program |
+| Dining | Dining rewards card | 3-4% | Rotate with promotional offers |
+| Travel | Travel rewards card | 2-5x points | Book through portal for bonus |
+| General spend | Flat-rate cashback | 1.5-2% | Default card for uncategorized |
+| Recurring bills | Card with sub-category bonus | 2-3% | Set up autopay on optimal card |
+
+---
+
+## Household Management Systems
+
+### Home Maintenance Schedule
+
+```text
+Household Maintenance Calendar
+├── Monthly
+│   ├── Test smoke and CO detectors
+│   ├── Clean range hood filter
+│   ├── Inspect under sinks for leaks
+│   ├── Run water in unused fixtures (prevent P-trap dry-out)
+│   └── Clean garbage disposal
+├── Quarterly
+│   ├── Replace HVAC filters
+│   ├── Test garage door auto-reverse
+│   ├── Check water heater temperature and pressure valve
+│   ├── Inspect caulking around tubs and showers
+│   └── Clean dryer vent
+├── Biannual
+│   ├── HVAC professional service (spring and fall)
+│   ├── Gutter cleaning (spring and fall)
+│   ├── Inspect roof for damage
+│   ├── Test sump pump (if applicable)
+│   ├── Reverse ceiling fan direction (seasonal)
+│   └── Deep clean appliances (oven, dishwasher, washing machine)
+├── Annual
+│   ├── Flush water heater
+│   ├── Service fireplace and chimney
+│   ├── Inspect foundation for cracks
+│   ├── Check and reseal decks/patios
+│   ├── Test and recharge fire extinguishers
+│   ├── Professional pest inspection
+│   └── Review home inventory for insurance
+└── As Needed
+    ├── Rekey locks (after move-in or lost key)
+    ├── Touch up exterior paint
+    ├── Power wash siding and driveway
+    └── Tree trimming (based on growth)
+```
+
+---
+
+## Delegation Protocols
+
+### Delegation Decision Matrix
+
+| Factor | Handle Personally | Delegate to Assistant/Service | Fully Automate |
+|--------|-------------------|------------------------------|----------------|
+| Requires personal judgment | Yes | No | No |
+| Requires personal presence | Yes | Sometimes (proxy possible) | No |
+| High financial stakes | Yes (with research support) | Research phase only | Never |
+| Routine and repeatable | No | If cost-effective | Yes |
+| Time-sensitive and simple | No | Yes | Yes |
+| Requires specialized expertise | Depends on domain | Yes (to expert) | No |
+
+### Delegation Handoff Essentials
+
+Every delegated task must include: a clear description of what needs to be done, the deadline, the budget, any constraints (network, schedule, preferences), decision authority boundaries (what can be decided independently vs. what requires approval), and the expected deliverables with a report-back date.
+
+---
+
+## Common Pitfalls
+
+### 1. Paying the Lazy Tax
+
+Wrong: Accept every rate increase, auto-renewal, and default plan without review.
+
+Right: Treat every renewal as a negotiation opportunity. Set calendar reminders 45-60 days before every contract or policy renews to allow time for comparison shopping and negotiation.
+
+### 2. Optimizing on Price Alone
+
+Wrong: Always choose the cheapest provider, plan, or service.
+
+Right: Calculate total cost of ownership including time spent, quality of service, convenience, reliability, and switching costs. A slightly more expensive provider that saves you hours of hassle may be the better value.
+
+### 3. Ignoring the Calendar
+
+Wrong: Miss open enrollment windows, early bird discounts, renewal deadlines, and cancellation periods.
+
+Right: Maintain a single renewal calendar with advance reminders. The cost of missing a deadline often exceeds the cost of the service itself (lapsed coverage, penalty fees, locked-in rates).
+
+### 4. Negotiating Without Data
+
+Wrong: Call a provider and ask for a "better rate" with no supporting evidence.
+
+Right: Gather competitive quotes, document your tenure and payment history, know the current market rate, and have a specific target number before picking up the phone.
+
+### 5. Single Points of Failure
+
+Wrong: Keep all important documents, passwords, and account information in your head or in one unsecured location.
+
+Right: Maintain a secure, organized system for critical documents with backups. Ensure a trusted person can access essential information in an emergency.
+
+### 6. Skipping Verification
+
+Wrong: Trust that the negotiated rate, corrected bill, or policy change has been applied.
+
+Right: Always verify on the next billing statement. Set a 30-day calendar reminder after every change to confirm it was implemented correctly.
+
+---
+
+## Resources
+
+- [Healthcare Bluebook](https://www.healthcarebluebook.com/) - Fair price estimates for medical procedures
+- [Medicare Fee Schedule Lookup](https://www.cms.gov/medicare/payment/fee-schedules) - Benchmark for medical bill negotiation
+- [NAIC Consumer Insurance Search](https://content.naic.org/consumer.htm) - State insurance department resources
+- [Annual Credit Report](https://www.annualcreditreport.com/) - Free annual credit reports
+- [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/) - Financial dispute and complaint resources
+- [FairShake](https://fairshake.com/) - Consumer negotiation and dispute assistance

package/templates/professional/research-assistant/.cursor/rules/citation-attribution.mdc

@@ -0,0 +1,61 @@
+---
+description: Citation practices, attribution standards, and plagiarism prevention for research integrity
+alwaysApply: false
+---
+
+# Citation and Attribution
+
+Standards for crediting sources and maintaining research integrity.
+
+## When to Cite
+
+**Always cite:** Direct quotes, paraphrased ideas from specific sources, statistics/data, non-common-knowledge facts, others' images/charts/frameworks, borrowed methodologies.
+
+**No citation needed:** Common knowledge, your own original analysis, general field knowledge, your own observations.
+
+## Minimum Citation Elements
+
+Author(s) or organization, title, publication date, access date (for web), URL or DOI, page numbers (for quotes/data).
+
+## Quick Formats
+
+- **Web:** Author. "Title." Publication, Date. URL. Accessed Date.
+- **Paper:** Author. "Title." Journal Vol, no. Issue (Year): Pages. DOI.
+- **Book:** Author. Title. Publisher, Year.
+- **Report:** Organization. "Title." Report Number, Date. URL.
+
+## In-Text Attribution
+
+- Direct quote: `"the market grew by 15% in Q4" (Smith 2025, p. 12)`
+- Paraphrase: `Market growth accelerated (Smith 2025)`
+- Conflicting: `Smith (2025) argues for expansion, while Jones (2024) urges caution`
+- Confidence: `According to [Source]` (direct), `Research indicates` (multiple sources), `Unverified reports suggest` (low confidence)
+
+## Handling Secondary Sources
+
+When you can't access the original, acknowledge it: "Einstein reportedly said X, as quoted in Smith (2020, p. 45)." Best practice: find and cite the original.
+
+## Plagiarism Prevention
+
+| Type | Description |
+|------|-------------|
+| Direct | Copying text without quotes or citation |
+| Mosaic | Mixing your words with uncited borrowed phrases |
+| Paraphrase | Rewording ideas without attribution |
+| Source | Citing wrong source or fabricating citations |
+
+**Acceptable paraphrase:** Read, set aside, write in own words, compare for sufficient difference, add citation. Merely changing a few words or rearranging sentences is not acceptable.
+
+## Citation Ethics
+
+- Don't cite sources you haven't read
+- Don't misrepresent what sources say
+- Note obvious biases relevant to claims
+- Disclose relationships with authors/organizations
+- Acknowledge when sources are limited or conflicting
+
+## Anti-Patterns
+
+- **Citation padding** — Every citation must directly support the specific claim it's attached to
+- **Orphan statistics** — "Studies show 73%..." needs which studies, when, what methodology
+- **Stale citations** — Use recent sources for current facts; historical only for historical context