@djordje-stojanovic/sigmaskills 0.14.0 → 0.15.0

package/CHANGELOG.md

@@ -4,6 +4,16 @@ All notable changes to [Sigmaskills](https://github.com/Djordje-Stojanovic/Sigma
 
 ## [Unreleased]
 
+## [0.15.0] — 2026-10-21
+
+### Added
+- `sigmafinanceman` (SigmaFinanceMan): the finance analyst. `scripts/finman.py` reads SEC EDGAR company facts (10-K and 10-Q), Yahoo chart prices and the FRED 10-year yield, and builds a DCF, an LBO, trading comps, a three-statement model, ratios, a statement analysis with red flags (Sloan accruals, Altman Z, Piotroski F), a ten-test value scorecard, an earnings review and a personal 50/30/20 budget. Each run writes an Excel workbook with live formulas in banker colours (inputs with source comments, a Checks sheet), a 16:9 deck with native charts, SVG charts and one HTML page in the Ledger look. `audit` recalculates a workbook in LibreOffice and lists formula errors and checks; `selftest` runs offline. Folds in the methods of anthropics/financial-services (Apache-2.0) and the open finance skills listed in `references/sources.md`.
+
+### Changed
+- `sigmaship`, `sigmabrief`, `sigmareview`, `sigmaresearch`, `code-review` and `research`: prior-art search before a build (SigmaShip), three questions and a sub-agent honesty rule in every brief, bugs-only review wording, and a critic pass on big research (ticket 83 K29a-3, K29a-4, K29a-14, K29a-16, K29a-21).
+
+- `sigmaresearch` X search: when an xAI route with the `x_search` tool exists, Grok lists post URLs first and each one is read in full by URL. Grok cannot open one post by URL, so a Grok answer counts as a lead only.
+
 ## [0.14.0] — 2026-10-20
 
 ### Added
@@ -369,7 +379,8 @@ Ship high-rigor, installable agent skills (not apps): full-repo audits, performa
 | 2026-08-11 | `5dab832` | Add CHANGELOG and mark v0.1.0 as the first Sigmaskills release |
 | 2026-08-11 | `124a666` | Polish v0.1.0 docs for multi-host install and use |
 
-[Unreleased]: https://github.com/Djordje-Stojanovic/Sigmaskills/compare/v0.14.0...HEAD
+[Unreleased]: https://github.com/Djordje-Stojanovic/Sigmaskills/compare/v0.15.0...HEAD
+[0.15.0]: https://github.com/Djordje-Stojanovic/Sigmaskills/compare/v0.14.0...v0.15.0
 [0.14.0]: https://github.com/Djordje-Stojanovic/Sigmaskills/compare/v0.13.0...v0.14.0
 [0.13.0]: https://github.com/Djordje-Stojanovic/Sigmaskills/compare/v0.12.0...v0.13.0
 [0.12.0]: https://github.com/Djordje-Stojanovic/Sigmaskills/compare/v0.11.0...v0.12.0

package/README.md

@@ -6,7 +6,7 @@ Portable [Agent Skills](https://agentskills.io/) that install once and run on **
 
 | | |
 |---|---|
-| **Release** | [**v0.14.0**](https://github.com/Djordje-Stojanovic/Sigmaskills/releases/tag/v0.14.0) |
+| **Release** | [**v0.15.0**](https://github.com/Djordje-Stojanovic/Sigmaskills/releases/tag/v0.15.0) |
 | **Changelog** | [CHANGELOG.md](CHANGELOG.md) |
 | **License** | [MIT](LICENSE) |
 | **Spec** | [agentskills.io](https://agentskills.io/) |
@@ -89,6 +89,7 @@ The [installer guide](https://github.com/Djordje-Stojanovic/Sigmaskills/blob/mai
 | **SigmaFork** | `sigmafork` | Fork or copy any repo, isolated from the original | A working copy and `ONBOARDING.html` |
 | **SigmaDesign** | `sigmadesign` | A design system from one accent colour (DESIGN.md, tokens, packs, sample page), applied across a repo | `DESIGN.md`, CSS, a sample page |
 | **SigmaTour** | `sigmatour` | A visual 15-60 minute tour of any repo: map, architecture, one request traced, examples run, README next to what the repo shows | One `<repo>-tour.html` page |
+| **SigmaFinanceMan** | `sigmafinanceman` | DCF, LBO, comps, three-statement models, ratios, red flags, a value scorecard, earnings reviews and budgets from SEC filings or your numbers | Excel with live formulas, a deck, SVG charts, an HTML page |
 
 ### Which one do I need?
 
@@ -106,7 +107,7 @@ The skills chain into two loops. **Fix:** SigmaReview → review PR → SigmaBri
 
 Finds everything that breaks the system's own promises: bugs, security holes, slow paths, broken rendering, and weak tests. It measures performance and runs security probes only when you allow it, and only on a local instance. Each finding has a location, a mechanism, an impact, evidence, a fix, and a proof test, so an LLM can fix it from that finding alone. All findings go into `SIGMAREVIEW-YYYY-MM-DD.md` on one pull request. It never changes your code.
 
-SigmaPerformance is retired. Its measurement method now lives in SigmaReview.
+SigmaPerformance is retired into SigmaReview.
 
 ### SigmaImprove
 
@@ -158,7 +159,7 @@ Looks at one target (a page, app, dashboard, deck, doc, image or film) and asks
 
 ### SigmaHuman
 
-Rewrites any text so it reads like a person wrote it, or writes new text from a brief. It finds the 26 AI-writing patterns of [blader/humanizer](https://github.com/blader/humanizer) (MIT) and fixes them in the lane for the text: a script for the ear, a book, song lyrics, a chat or email, docs, or a post. It keeps every fact, can match your writing sample, and checks numbers, quotes and names before and after.
+Rewrites any text so it reads like a person wrote it, or writes new text from a brief. It finds the 26 AI-writing patterns of [blader/humanizer](https://github.com/blader/humanizer) (MIT) and fixes them in the lane for the text: a script for the ear, a book, song lyrics, a chat or email, docs, or a post. It keeps every fact and can match your writing sample.
 
 
 ### SigmaFork
@@ -173,6 +174,10 @@ Turns one accent colour into `DESIGN.md`, colour packs and CSS, then moves a rep
 
 A 15-60 minute tour of any repo in one page: a clickable map, one request traced, real runs, the README against the repo.
 
+### SigmaFinanceMan
+
+Finance models from SEC filings, checked before they ship.
+
 ---
 
 ## Install
@@ -219,6 +224,7 @@ $sigmahuman Rewrite this announcement so it sounds like me
 $sigmafork Copy this repo to D:\work\my-copy and teach me how it works
 $sigmadesign Make a design system from #e8a33d and put it in this repo
 $sigmatour Give me a 30 minute tour of this repo
+$sigmafinanceman DCF and comps for MSFT against AAPL, GOOGL and META
 ```
 
 </td>
@@ -245,6 +251,7 @@ $sigmatour Give me a 30 minute tour of this repo
 /skill:sigmafork Fork owner/repo and teach me how it works
 /skill:sigmadesign Make a design system from #e8a33d and put it in this repo
 /skill:sigmatour Give me a 30 minute tour of owner/repo
+/skill:sigmafinanceman Build a three-statement model of MSFT
 ```
 
 </td>
@@ -271,6 +278,7 @@ $sigmatour Give me a 30 minute tour of this repo
 | `sigmafork` | a repo · a destination | One question round; reads the original only |
 | `sigmadesign` | an accent colour · a repo | One question round; writes `DESIGN.md`; changes repo files only with `--write` |
 | `sigmatour` | a repo path or URL · a length | One question round; reads the repo only; runs its examples |
+| `sigmafinanceman` | a ticker and peers, or a budget file | One question round; reads public data; writes files only to the output folder |
 
 ### Requirements
 

package/manifest.json

@@ -1,7 +1,7 @@
 {
   "schemaVersion": 1,
   "name": "sigmaskills",
-  "version": "0.14.0",
+  "version": "0.15.0",
   "description": "Portable Agent Skills monorepo and first-party Sigma Installer",
   "skills": [
     {
@@ -88,6 +88,11 @@
       "id": "sigmatour",
       "title": "SigmaTour",
       "needsReferences": true
+    },
+    {
+      "id": "sigmafinanceman",
+      "title": "SigmaFinanceMan",
+      "needsReferences": true
     }
   ],
   "retired": [

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@djordje-stojanovic/sigmaskills",
-  "version": "0.14.0",
+  "version": "0.15.0",
   "description": "Portable Agent Skills monorepo and first-party Sigma Installer",
   "type": "module",
   "license": "MIT",
@@ -38,6 +38,7 @@
     "sigmafork",
     "sigmadesign",
     "sigmatour",
+    "sigmafinanceman",
     "sigmarefactor",
     "sigmaresearch",
     "sigmadeeplook",

package/registry/skill-baselines.json

@@ -161,6 +161,16 @@
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           "references/prompt-contract.md": "198bc5ab7a4c27fa14f3c168fe2f79bf1851e1ab7ef89cd95e551df5e398485a"
         }
+      },
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+        "revision": "4ec9b13a2e3e0cf10f6f218ee5e733f290575f8870bf56feb29e7d69e6b884c0",
+        "files": {
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+          "references/brief-method.md": "1bd9200bec7d41106bdff4f0ab39b86597bb2524b8d37af0eb663e9ec854770e",
+          "references/prompt-contract.md": "198bc5ab7a4c27fa14f3c168fe2f79bf1851e1ab7ef89cd95e551df5e398485a"
+        }
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     ],
     "sigmaperformance": [
@@ -381,6 +391,17 @@
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           "references/report.md": "ebabc522ac35dcfd7538abe4657d4933bf795d5ea20242a968592e0c569e7b41"
         }
+      },
+      {
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+        "revision": "5ce9fb447bb7c3035c98cc3c8d2e46f960f93fb5ca45482a7c94233f1929e196",
+        "files": {
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+          "references/measure.md": "efd083364caedfce9c5e69a2267209d3317cfa218029b48455e49cdc2f9affe0",
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+        }
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@@ -511,6 +532,14 @@
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+        }
       }
     ],
     "sigmarefactor": [
@@ -630,6 +659,15 @@
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           "references/scan.md": "049715a6948138109b64994e969a1ed5541cab8151b8c8d9070d5eae379d45c5"
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+      },
+      {
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+        "revision": "25b4efaa5d9d9309791dbbec0f1a32eab409137c4cd16892f646714019b04115",
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+        }
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     ],
     "sigmaimprove": [
@@ -764,6 +802,17 @@
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           "references/lenses.md": "c5f2982ed1f4330035895dabacef550a5c1b241e0e1a370547b8715f89f3f8b3"
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+      },
+      {
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+          "references/categories.md": "58ad43e0da22b5a67f0bec01abc13760ffa835dec9efc07343b07e8326cba7bd",
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+        }
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     "sigmaship": [
@@ -886,6 +935,16 @@
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     "sigmawritegui": [
@@ -960,6 +1019,15 @@
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           "template.html": "25669e5f711da8b314b745b6aa99e7734eafad5f0dfd75e10cabb298270b2f92"
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     "sigmaresearch": [
@@ -1120,6 +1188,24 @@
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     "sigmacreatearena": [
@@ -1236,6 +1322,25 @@
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@@ -1689,6 +1794,83 @@
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+          "references/tour.md": "057570be997db00df40fa001b2a4826468eb32e0c3ea5928d350ed30b8ff4300",
+          "scripts/sigmatour.py": "93d32221941648a925d9878e0029ed85e21c1835518ab441dafea7c125ccf788"
+        }
       }
     ]
   }

package/sigmabrief/SKILL.md

@@ -26,6 +26,7 @@ Apply these invariants throughout the run:
 - **Do not merge. Keep any worktree while the PR is open. Cleanup only after human merge or user cancel/abandon.**
 - **Shell native to the executing machine:** use the shell of the machine that runs the agent: PowerShell and Windows paths on Windows, POSIX shell elsewhere. Do not assume WSL.
 - **No secrets** in briefs. Redact tokens, keys, and credentials from issue bodies or notes.
+- **Three questions and the honesty rule.** Every brief carries invariants 14 and 15 of [prompt-contract.md](references/prompt-contract.md): three questions before a build, and sub-agents read the real code for each claim and cite no file they did not open.
 
 ## Resolve inputs
 

package/sigmabrief/references/prompt-contract.md

@@ -44,6 +44,8 @@ Only when useful: overlaps, upstream waits, already fixed, human-only tests.
 11. Use the shell native to the executing machine (PowerShell on Windows, POSIX shell elsewhere). No WSL assumptions.
 12. **Do not merge. Keep any worktree while the PR is open. Cleanup only after human merge or user cancel/abandon.**
 13. Report back in this format: `Status: DONE | DONE_WITH_CONCERNS | BLOCKED` · PR URL · checks run and results · rulings or open questions · concerns.
+14. Before you build, answer three questions in the PR body: "Is there a stupid simple solution?" "How hard is this before you build?" "Could a prompt answer this instead of a feature?"
+15. Sub-agent honesty rule: read the real code for each claim, and cite no file you did not open.
 
 ## 3. Worktree create
 

package/sigmafinanceman/SKILL.md

@@ -0,0 +1,64 @@
+---
+name: sigmafinanceman
+description: 'The finance analyst: DCF, LBO, trading comps, three-statement models, ratios, statement analysis with red flags, a value-investing scorecard, earnings reviews and personal budgets, from public filings (SEC EDGAR) or the user''s own numbers. Asks one question round, then builds Excel with live formulas in banker colours, a slide deck, SVG charts and an HTML page, and checks every workbook. Use to value a company, model a deal, compare peers, read a 10-K, review a quarter or plan a budget. Do not use to place trades or move money, for tax filing, or for live intraday market data.'
+---
+
+# SigmaFinanceMan
+
+Turn a ticker or a household's numbers into a finished analysis: the answer first, the model behind it, every input traced to its source. One run gives the same numbers in four forms: an Excel workbook with live formulas (change an input, the model moves), a 16:9 deck, SVG charts and one HTML page. The bar is a model a banker would accept: blue inputs, black formulas, green links, a balanced balance sheet, a sensitivity grid whose centre is the base case, and a Checks sheet that says TRUE.
+
+## Operating contract
+
+- **Numbers come from sources, never from memory.** Company figures come from SEC EDGAR company facts (the 10-K and 10-Q XBRL), prices and beta from Yahoo chart data, the risk-free rate from FRED. Each input carries its source in the workbook (cell comment) and on the page. A number the sources do not give is asked for or marked as an assumption.
+- **Formulas over typed numbers.** Only filed figures, market data and assumptions are typed (blue). Every calculation is a formula. The Python maths and the workbook formulas are two builds of one model; `audit` proves they agree.
+- **The answer leads.** Every output opens with one hero number, one sentence that says what it means, then the detail.
+- **Defaults are honest.** Each default says where it came from (for example "3-year revenue CAGR, held 0-25 %"). The user's word overrides any default.
+- **The user's own numbers stay on the machine.** A budget is read from a local file; nothing is uploaded.
+- **Looking is the test.** An exit code is not proof: render the workbook and the deck and look at the pages before you report.
+
+The helper is plain Python 3.10+ with `openpyxl` and `python-pptx` (`pip install openpyxl python-pptx`). LibreOffice is optional and powers `audit` and `render`. Run `python scripts/finman.py selftest` once on a new machine: it must print PASS.
+
+## 1. Ask once
+
+Read what the user gave: tickers, a filing, a spreadsheet, a budget. Then ask one numbered round, at most 7 questions, each with `Recommended:` and a few words of why. Skip what is already answered; log each answer you took for the user as `Ruling:`. The questions and their defaults: [grill.md](references/grill.md). When the user is away or says "just run it", take every default and list them in the final response.
+
+## 2. Pick the models
+
+| The user wants | Command | Main output |
+|---|---|---|
+| What is it worth (intrinsic) | `finman.py dcf TICKER` | value per share, WACC x growth grid |
+| Could a buyout work | `finman.py lbo TICKER` | IRR and money multiple, entry x exit grid |
+| Cheap or dear against peers | `finman.py comps TICKER --peers A,B,C` | multiples table, quartiles, football field |
+| The full model | `finman.py three TICKER` | income statement, balance sheet, cash flow, 5 years out |
+| Health over time | `finman.py ratios TICKER` | 22 ratios over 5 fiscal years |
+| Anything wrong in the books | `finman.py analyze TICKER` | red flags, common-size, Altman Z, Piotroski F |
+| Would Buffett buy it | `finman.py score TICKER` | 10 pass/fail tests |
+| How was the quarter | `finman.py earnings TICKER` | latest quarter vs a year ago and the prior quarter |
+| Where does my money go | `finman.py budget FILE.json` | 50/30/20 split, left over, 12-month fund path |
+| Everything on one company | `finman.py all TICKER --peers A,B,C` | all of the above except budget |
+
+Peers for comps: 4 to 8 companies with the same business model and a similar size; say why each one is in. Override any input with `--set name=value` (fractions for percentages, for example `--set terminal_g=0.02`). The input names, every formula and the defaults: [methods.md](references/methods.md). The budget file format: [budget.md](references/budget.md).
+
+## 3. Run and audit
+
+1. Set `SEC_USER_AGENT="Name email@domain"` (SEC asks for a contact). Run the commands with `--out <folder>`; the default formats are `xlsx,pptx,svg,html`.
+2. Run `finman.py audit <file>.xlsx` on every workbook. It recalculates the file in LibreOffice and lists formula errors and the Checks sheet. Done means `0 errors` and `PASS` for each workbook.
+3. Run `finman.py render <file>` on each workbook and deck, and open the PNG pages. Open the HTML page at desktop and phone width. Look for: cut-off labels, `n/a` where a number should be, a hero number that contradicts a table, a sensitivity centre that is not highlighted.
+4. Read the numbers like an analyst. Terminal value above 75 % of EV, a WACC under the risk-free rate, an IRR above 40 %, a negative EBITDA multiple: each needs a sentence in the reply or a changed input. The checks per model: [methods.md](references/methods.md) "Sanity checks".
+
+## 4. Report
+
+The look of every output (the Ledger system: tokens, banker colours, number formats, chart rules) is in [outputs.md](references/outputs.md). Where the data and the folded-in methods come from: [sources.md](references/sources.md).
+
+## Final response
+
+1. The hero line of each model, one per line, with the folder path.
+2. The defaults you took (`Ruling:` lines) and the inputs the user set.
+3. The audit result per workbook (`N formulas, 0 errors, checks PASS`).
+4. What you looked at, and anything a reader should question (the sanity flags).
+5. One next step: the input whose change moves the answer most, with the command to try it.
+
+## Personal instructions
+
+<sigmaskills-custom>
+</sigmaskills-custom>

package/sigmafinanceman/agents/openai.yaml

@@ -0,0 +1,11 @@
+interface:
+  display_name: SigmaFinanceMan
+  short_description: Company models and budgets as live Excel, slides and charts
+  default_prompt: Use $sigmafinanceman to ask the short question round, read the filings, build the models
+    with live-formula Excel, a deck and charts, audit every workbook, and report the answer first.
+policy:
+  products:
+  - chatgpt
+  - codex
+  - atlas
+  allow_implicit_invocation: false