@oriro/orirocli 0.1.0

package/skills/finance/finance-debt-management/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-debt-management/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-debt-management
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+
+  Debt management — debt strategies, student loans, credit cards, mortgages, debt consolidation, and negotiating with creditors.
+  Sources: Federal Reserve educational resources, CFPB, IRS, financial education publicly available sources.
+---
+
+# Debt Management
+
+## Prioritizing debt payoff
+
+Not all debt is created equal. Decision framework:
+
+1. Minimum payments on ALL debts (never miss — credit score and fees)
+2. Emergency fund: $1,000 minimum before extra debt payments
+3. Capture employer 401k match (100% return)
+4. Pay off high-interest debt: > 7-8% — guaranteed "return" equal to interest rate
+5. Emergency fund: 3-6 months
+6. Moderate debt (4-7%): Balance against investing
+7. Low-interest debt (< 4%): Stock market historically outperforms — invest instead of paying extra
+
+## Student loan strategy
+
+### Federal loans (US)
+
+**Income-driven repayment (IDR):** Monthly payment based on income (10-20% of discretionary income).
+Plans: SAVE (newest — most generous), PAYE, IBR, ICR.
+**SAVE plan:** Payments as low as 5% of discretionary income for undergrad loans. After 10-25 years → forgiveness.
+
+**Public Service Loan Forgiveness (PSLF):** Work for government or qualifying nonprofit → 10 years of payments → forgiveness.
+Must be on qualifying IDR plan. Must consolidate into Direct Loans if needed.
+Annual Employment Certification critical.
+
+**Refinancing federal loans:** Converts to private loan. Loses federal protections (IDR, PSLF, forbearance). Only refinance if: Private sector career, stable high income, no PSLF eligibility.
+
+### Private loans
+
+No income-driven repayment. No forgiveness. Less flexible.
+Refinancing private loans: Shop rates. Consider variable vs. fixed carefully.
+
+## Credit card debt
+
+### Avalanche vs. snowball (see finance-personal skill)
+
+For credit cards specifically: Avalanche (highest rate first) almost always better.
+Typical credit card rates: 20-29% APR. No investment reliably beats paying this off.
+
+### Balance transfers
+
+Move high-rate credit card balance to 0% intro APR card (12-21 months typical).
+Fee: Usually 3-5% of transfer amount. Still worthwhile if you pay off during intro period.
+**Hard rule:** Stop using the old card. Cut up if necessary. Pay off before intro period ends.
+
+### Negotiating with credit card companies
+
+Call and ask. Success rate is higher than most people realize.
+Ask for: Interest rate reduction, hardship program, settlement (if severely delinquent).
+Hardship programs: Temporarily lower rates, minimum payments, waive fees. Require proof of hardship.
+Settlement (last resort): Pay lump sum < full balance. Requires delinquency. Damages credit. Tax implications (forgiven debt = income).
+
+## Mortgage strategy
+
+### Refinancing
+
+Break-even analysis: Closing costs / Monthly savings = Months to break even.
+Worth it if: You'll stay in the home longer than the break-even period.
+Rate rule of thumb: Often makes sense if rate drops ≥ 0.75-1%. Always run the numbers.
+
+### Extra payments
+
+Pay extra principal = reduce interest paid + shorter payoff.
+Biweekly payment trick: 26 half-payments = 13 full payments per year instead of 12. One extra payment annually.
+Any extra principal payment directly reduces the loan balance (compound savings).
+
+### Pay off mortgage vs. invest?
+
+Guaranteed return equal to mortgage rate vs. expected market return.
+3% mortgage: Invest instead. Historical market returns 7-10% > 3%.
+7%+ mortgage: Pay down. Risk-adjusted math favors payoff.
+Middle (4-6%): Personal choice. Risk tolerance, psychological value of being debt-free.
+
+Sources: CFPB debt guidance (consumerfinance.gov — free), studentaid.gov (official federal loan information — free), NFCC (nfcc.org — free credit counseling referrals), FTC debt collection guidance (free)

package/skills/finance/finance-insurance/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-insurance/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-insurance
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Insurance fundamentals — life, health, property, liability, business insurance,
+  how to evaluate coverage needs and policies. Activate for questions about
+  insurance coverage, what insurance to buy, how to file a claim, evaluating
+  policies, or any insurance decision question. Sources: NAIC, III (Insurance
+  Information Institute), CFPB insurance guides.
+---
+
+# Insurance Fundamentals
+
+## Core insurance concepts
+
+**Premium:** Your payment to the insurer (monthly, quarterly, annually).
+**Deductible:** Amount you pay before insurance pays. Higher deductible = lower premium.
+**Coverage limit:** Maximum the insurer will pay. Catastrophic losses need high limits.
+**Exclusion:** What the policy does NOT cover. Read carefully.
+**Rider/Endorsement:** Addition to base policy to cover specific items or risks.
+**Claim:** Request to insurance company for payment for covered loss.
+**Underwriting:** Process of evaluating and pricing your risk.
+
+## Term life insurance
+
+**Why you need it:** Provide for dependents if you die while they depend on your income.
+**Who needs it:** Anyone with dependents. Single with no dependents: generally no.
+**How much:** 10-12× annual income. Include mortgage payoff, kids' education, surviving spouse's needs.
+**What term:** Match dependency horizon. 20-year term if children are young. 30-year if young spouse.
+**Type:** Term only. Whole life/universal life is usually poor value (expensive, low return investment component). Buy term; invest the difference.
+**Cost:** Healthy 30-year-old, $500K 20-year term: $25-35/month. Increases significantly with age.
+**Apply before needing it.** Rates increase with age and health changes.
+
+## Health insurance
+
+**Premium:** Monthly cost regardless of usage.
+**Deductible:** Annual amount you pay before insurance pays (except preventive care, usually covered at 100%).
+**Copay:** Fixed amount per visit ($25 primary care, $50 specialist typically).
+**Coinsurance:** Your percentage after deductible (80/20 means insurer pays 80%, you pay 20%).
+**Out-of-pocket maximum:** Your maximum annual exposure. After this, insurance pays 100%.
+**Network:** In-network providers have negotiated rates. Out-of-network = much higher cost.
+
+**Choosing a plan:**
+High Deductible Health Plan (HDHP): Lower premium, higher deductible. Best if healthy and want HSA.
+Low deductible plan: Higher premium, lower deductible. Best if you'll use healthcare frequently.
+Calculate: (Difference in annual premiums) vs. (Difference in deductibles). If likely to hit deductible, lower deductible plan may be better value.
+
+## Property insurance
+
+### Homeowners insurance
+
+**Dwelling coverage:** Rebuilding cost of home structure. Base on replacement cost, not market value. Costs $130-180+/sq ft typical.
+**Personal property:** Contents coverage. Valuables (jewelry, art, electronics) may need scheduled riders.
+**Liability:** Someone injured on your property sues you. Minimum $300K; $500K recommended.
+**Loss of use:** Additional living expenses if uninhabitable.
+**Flood:** NOT included. Separate policy needed. Get through NFIP or private insurer if in flood zone.
+**Earthquake:** NOT included. Separate endorsement or policy needed in earthquake-prone areas.
+
+### Renters insurance
+
+~$15-30/month. Covers your belongings (up to $30-50K typically). Liability coverage. Very underutilized.
+
+### Auto insurance
+
+**Liability:** Required. Bodily injury + property damage you cause to others.
+Minimums are often inadequate. Recommended: 100/300/100 ($100K per person injury / $300K per accident / $100K property).
+**Collision:** Your car damage in accident regardless of fault. Drop if car value < 10× annual premium.
+**Comprehensive:** Non-collision damage (theft, weather, animals). Same threshold as collision.
+**Uninsured/Underinsured motorist:** When at-fault driver has no or inadequate insurance. Essential.
+**Medical payments/PIP:** Medical costs regardless of fault. Required in no-fault states.
+
+## Umbrella insurance
+
+Extends liability coverage above home and auto policies.
+$1M policy typically $150-300/year. Worth it if significant assets to protect.
+Covers gaps in underlying policies. Requires minimum underlying liability limits.
+
+## Business insurance
+
+**General Liability:** Customer injured at your business, product harms someone, property damage caused by your business. Starting point for every business.
+**Professional Liability (E&O):** Errors and omissions. Claims you gave bad advice or made mistakes in professional services. Essential for consultants, advisors, tech companies.
+**Workers' Compensation:** Required in almost all states if you have employees. Covers medical and lost wages for work injuries.
+**Business Owner's Policy (BOP):** Package of general liability + property. Cost-effective for small businesses.
+**Cyber liability:** Data breaches, ransomware, business interruption from cyber events. Increasingly important.
+**Key Person insurance:** Life insurance on critical employees whose loss would severely impact business.
+
+Sources: NAIC consumer guides (naic.org), III Insurance Information Institute (iii.org),
+CFPB insurance consumer guides, NFIP (floodsmart.gov)

package/skills/finance/finance-investing/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-investing/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-investing
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Investing fundamentals — index funds, stocks, bonds, diversification,
+  risk management, compound interest, tax-advantaged accounts, and
+  building long-term wealth. Activate for questions about how to invest,
+  where to start investing, understanding markets, retirement accounts,
+  ETFs, stocks, or any investment question. Sources: Vanguard founder
+  John Bogle principles, Bogleheads wiki, SEC investor education,
+  Federal Reserve, academic finance research (Fama, French, Sharpe).
+  This is financial education. Consult a fee-only fiduciary financial
+  advisor for personalized investment planning.
+---
+
+# Investing Fundamentals
+
+## The most important truth in investing
+
+**Time in the market beats timing the market.**
+
+The stock market has returned approximately 7-10% annually over long periods
+(nominal; ~7% real after inflation for US stocks).
+
+$10,000 invested at 7% annual return:
+
+- After 10 years: $19,672
+- After 20 years: $38,697
+- After 30 years: $76,123
+- After 40 years: $149,745
+
+The same $10,000 sitting in a savings account at 1% for 40 years: $14,889.
+
+**Compound interest requires time above everything else.**
+
+---
+
+## Core investment vehicles
+
+### Stocks (equities)
+
+Ownership shares in a company.
+Returns: price appreciation + dividends.
+Risk: individual companies can fail completely (Enron, Lehman Brothers).
+Expected return: ~10% nominal annually (US large-cap historical average).
+
+**Individual stocks:** High risk. 90%+ of active stock pickers underperform index funds over 15 years.
+
+### Bonds (fixed income)
+
+Loans to governments or corporations.
+Returns: interest payments (coupons) + principal at maturity.
+Risk: lower than stocks. Issuer default risk (low for US Treasury, higher for corporate).
+Expected return: ~1-5% depending on type and duration.
+
+**Why hold bonds:**
+
+- Reduce portfolio volatility
+- Provide stability when stocks fall
+- Rebalancing opportunity
+
+### Index Funds and ETFs
+
+**The single best investing insight of the 20th century** (Bogle, 1975):
+Instead of trying to beat the market, own the whole market at minimal cost.
+
+An S&P 500 index fund owns all 500 largest US companies, weighted by market cap.
+When you buy one share, you own a tiny piece of Apple, Microsoft, Amazon, etc.
+
+**Why index funds win:**
+
+- Fees matter enormously: 0.03% (Vanguard) vs. 1% (active fund) = 0.97% per year
+- On $100,000 over 30 years at 7% return:
+  - 0.03% expense ratio: $757,000
+  - 1.0% expense ratio: $574,000
+  - Difference: $183,000 — lost to fees
+
+**Most important index funds:**
+
+- US Total Market: VTI (Vanguard), ITOT (iShares), SCHB (Schwab)
+- S&P 500: VOO, SPY, IVV
+- International: VXUS, IXUS
+- Total Bond: BND, AGG
+- Emerging Markets: VWO, IEMG
+
+---
+
+## Asset allocation — the most important decision
+
+Your asset allocation (stocks vs. bonds vs. other) determines 90%+ of your long-term returns and risk.
+
+**General principles:**
+
+- More stocks = higher expected return, higher volatility
+- More bonds = lower return, lower volatility, better protection in downturns
+- Younger = more stocks (time to recover from downturns)
+- Older = more bonds (protect what you've built)
+
+**Simple age-based rule:** Hold your age in bonds %.
+Age 30: 30% bonds, 70% stocks
+Age 50: 50% bonds, 50% stocks
+Age 60: 60% bonds, 40% stocks
+
+**More aggressive rule (many index investors use):**
+Keep 90-100% stocks until 10-15 years from retirement, then gradually shift.
+
+**The Bogleheads Three-Fund Portfolio:**
+
+1. US Total Stock Market Index (e.g., VTI)
+2. International Stock Market Index (e.g., VXUS)
+3. US Bond Market Index (e.g., BND)
+
+Adjust percentages to your age and risk tolerance. Rebalance annually.
+
+---
+
+## Tax-advantaged accounts — use these first
+
+### 401(k) / 403(b)
+
+Employer-sponsored retirement account.
+**Traditional 401k:** Pre-tax contributions; pay taxes on withdrawal in retirement.
+
+- 2024 limit: $23,000 ($30,500 if 50+)
+- Tax deduction now; taxable later
+- Best if: you expect lower tax rate in retirement
+
+**Roth 401k:** After-tax contributions; withdrawals in retirement are tax-free.
+
+- Same contribution limits
+- No tax deduction now; tax-free forever
+- Best if: you expect higher tax rate in retirement
+
+**Employer match:** FREE MONEY. Always contribute at least enough to get the full match.
+Example: Employer matches 50% up to 6% of salary. You earn $60,000.
+Contribute 6% ($3,600); employer adds $1,800. Instant 50% return.
+
+### IRA (Individual Retirement Account)
+
+You open this yourself, independent of employer.
+**2024 limit:** $7,000 ($8,000 if 50+)
+
+**Traditional IRA:** Pre-tax if income qualifies; tax-deferred growth.
+**Roth IRA:** After-tax; completely tax-free growth and withdrawals.
+
+**Roth IRA income limits (2024):**
+Single: Phase-out $146,000-161,000; ineligible above $161,000
+Married filing jointly: Phase-out $230,000-240,000
+
+**Backdoor Roth IRA:** For high earners above Roth limits.
+Contribute to non-deductible traditional IRA, then convert to Roth.
+Legal and widely used.
+
+### HSA (Health Savings Account)
+
+Triple tax advantage — the only account with three tax benefits:
+
+1. Contributions pre-tax (reduces taxable income)
+2. Growth is tax-free
+3. Withdrawals for medical expenses are tax-free
+
+**Eligible only with High Deductible Health Plan (HDHP).**
+2024 limits: $4,150 (individual), $8,300 (family)
+
+**Best strategy:** Pay medical expenses out of pocket now; invest HSA; withdraw in retirement tax-free for any expense (age 65+, same as traditional IRA).
+
+---
+
+## Risk and diversification
+
+### Systemic risk vs. specific risk
+
+**Specific risk (diversifiable):** Individual company risk. Can be eliminated by diversification.
+**Systemic risk:** Market-wide risk (recession, interest rates). Cannot be eliminated.
+
+**Diversification:** Own enough different assets that no single failure destroys you.
+
+- 20-30 stocks: reduces specific risk by ~95%
+- Index fund: owns hundreds to thousands of stocks; specific risk essentially eliminated
+
+### Correlation
+
+Assets that move together = high correlation (US stocks and US stocks).
+Assets that move opposite or independently = low correlation.
+
+Low correlation reduces portfolio volatility.
+Example: International stocks + US stocks + bonds behave differently;
+portfolio is smoother than any single asset.
+
+### Volatility and time horizon
+
+Stock market has experienced drops of:
+
+- 10%+: roughly every 1-2 years
+- 20%+: roughly every 3-5 years
+- 40%+: 2000-2002 (dot-com), 2008-2009 (financial crisis)
+
+**The solution to volatility: time horizon.**
+If you need money in < 1 year: don't invest in stocks.
+1-3 years: conservative allocation.
+5+ years: can tolerate more stocks.
+10+ years: history shows no 10-year period where diversified stock portfolio lost money.
+
+---
+
+## Common investing mistakes
+
+### 1. Market timing
+
+"I'll invest when the market is lower."
+Problem: Nobody can consistently predict market direction. While waiting, you miss gains.
+**Fix:** Invest consistently on a schedule regardless of market level (dollar-cost averaging).
+
+### 2. Panic selling in downturns
+
+Selling when the market is down 30% and buying back when it's up 50% = guaranteed loss.
+**Fix:** Write down your investment plan and reasons. Read it before making any changes during a crash.
+
+### 3. Chasing performance
+
+Last year's top performer almost never repeats.
+**Fix:** Own the whole market with an index fund.
+
+### 4. High fees
+
+Active mutual funds average ~1% annual fee.
+Over 30 years, 1% fee difference = 20%+ less wealth.
+**Fix:** Index funds with expense ratios < 0.1%.
+
+### 5. Not investing at all
+
+Fear of losing money keeps many in savings accounts, losing to inflation.
+**Fix:** The greatest risk over 30 years is NOT investing.
+
+### 6. Crypto speculation
+
+Crypto is not diversification — it is speculation with extremely high risk.
+Never invest more than you can afford to lose completely.
+Never use it as a substitute for diversified market investing.
+
+---
+
+## Starting to invest — step by step
+
+1. **Open a brokerage account:**
+   Fidelity, Vanguard, or Schwab — all excellent, low cost.
+   For retirement: open IRA first.
+
+2. **Fund the account:**
+   Link your bank. Transfer initial amount.
+
+3. **Choose your fund:**
+   Simple starting choice: Vanguard Target Date Fund (e.g., VTTSX if retiring ~2050).
+   Automatically adjusts allocation as you age. One fund does everything.
+   Or: VTI + BND (simple two-fund portfolio).
+
+4. **Set up automatic investing:**
+   Automate monthly transfers from your paycheck.
+   Removes emotion from the process.
+
+5. **Ignore it for years:**
+   Check once/year to rebalance. Otherwise don't touch it.
+
+Sources: SEC Investor Education (investor.gov), Vanguard research,
+Bogleheads Investment Philosophy (bogleheads.org),
+Fama-French research on market factors, IRS publications 590 and 575

package/skills/finance/finance-options-derivatives/LICENSE

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+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-options-derivatives/SKILL.md

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+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-options-derivatives
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Options and derivatives — calls, puts, pricing models, Greeks, risk management
+  strategies, and futures fundamentals. Sources: CME Group education (free),
+  Options Industry Council (free).
+---
+
+# Options and Derivatives
+
+## Options fundamentals
+
+### Call options
+
+**Right to BUY** underlying asset at strike price on or before expiry.
+Buyer pays premium. Benefits from price increase.
+**Max loss:** Premium paid. **Max gain:** Unlimited.
+Profitable when: Underlying price > Strike price + Premium.
+
+### Put options
+
+**Right to SELL** underlying asset at strike price on or before expiry.
+Buyer pays premium. Benefits from price decrease.
+**Max loss:** Premium paid. **Max gain:** Strike price - Premium.
+Profitable when: Underlying price < Strike price - Premium.
+
+## Moneyness
+
+**In the money (ITM):** Has intrinsic value. Call: current > strike. Put: current < strike.
+**At the money (ATM):** Current price ≈ strike price.
+**Out of the money (OTM):** No intrinsic value. Call: current < strike.
+
+## Black-Scholes pricing model
+
+C = S₀N(d₁) - Ke^(-rT)N(d₂)
+d₁ = [ln(S₀/K) + (r + σ²/2)T] / (σ√T)
+d₂ = d₁ - σ√T
+
+Variables: S₀=current price, K=strike, r=risk-free rate, T=time, σ=volatility.
+
+## The Greeks
+
+**Delta (Δ):** Option price change per $1 move in underlying. Call: 0 to 1. Put: -1 to 0.
+**Gamma (Γ):** Delta's rate of change. High near expiry, at-the-money.
+**Theta (Θ):** Time decay. Options lose value as expiry approaches. Negative for buyers.
+**Vega (V):** Sensitivity to volatility. Long options benefit from rising volatility (VIX).
+**Rho (ρ):** Sensitivity to interest rates. Less important for short-term options.
+
+## Common strategies
+
+**Covered call:** Own stock + sell call. Generates income. Caps upside.
+**Protective put:** Own stock + buy put. Portfolio insurance.
+**Bull call spread:** Buy lower call + sell higher call. Reduces cost. Caps gain.
+**Iron condor:** Sell call spread + sell put spread. Benefits from low volatility.
+**Straddle:** Buy call + put at same strike. Profits from large move either direction.
+
+## Futures vs Options
+
+Futures: Obligation to buy/sell at future date. Margin required.
+Options: Right (not obligation). Premium paid upfront.
+Futures mark-to-market daily. Options premium paid once.
+
+Sources: CME Group Education (cmegroup.com/education — free), Options Industry Council
+(theocc.com/resources — free), Investopedia (free)

package/skills/finance/finance-personal/LICENSE

@@ -0,0 +1,21 @@
+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.