@tangle-network/starter-foundry 0.7.2 → 0.13.0

package/registry/families/agent-runtime-cmo-advisor-ts/manifest.json

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+{
+  "id": "agent-runtime-cmo-advisor-ts",
+  "description": "CMO-level marketing strategy advisor bundle. Works alongside an operator on positioning, ICP, and channel-experiment design \u2014 not a replacement for hands-on board-level diligence. Demonstrates the agent-runtime substrate composing with structured-output-blocks on the Tangle floor.",
+  "tags": [
+    "agent-runtime",
+    "marketing-strategy",
+    "advisory-agent",
+    "cmo",
+    "cloudflare-worker"
+  ],
+  "taxonomy": {
+    "language": "markdown",
+    "runtime": "cloudflare-worker",
+    "surface": "agent-runtime"
+  },
+  "includes": [
+    "agent-base:tangle",
+    "agent-base:secure",
+    "agent-output:blocks",
+    "agent-base:memory",
+    "agent-base:scheduler",
+    "agent-base:mcp-registry",
+    "agent-channels:telegram",
+    "agent-channels:discord",
+    "agent-channels:slack",
+    "agent-channels:whatsapp",
+    "agent-channels:imessage",
+    "agent-channels:gmail",
+    "agent-channels:linear"
+  ],
+  "defaults": {
+    "projectType": "agent-runtime-cmo-advisor",
+    "agentName": "cmo-advisor",
+    "publicVars": [
+      "AGENT_NAME"
+    ],
+    "routes": [
+      {
+        "path": "/api/chat",
+        "auth": "bearer",
+        "callsTools": [
+          "positioning",
+          "channel-experiment",
+          "icp-research"
+        ]
+      },
+      {
+        "path": "/api/health",
+        "auth": "none",
+        "callsTools": []
+      }
+    ],
+    "declaredCapabilities": [
+      "positioning-strategy",
+      "channel-experiment-design",
+      "icp-research"
+    ],
+    "runtime": {
+      "sandbox": "tangle",
+      "noNewPrivileges": true,
+      "capDrop": "ALL"
+    },
+    "schedule": [
+      {
+        "id": "scheduled-1",
+        "cron": "0 14 * * 1",
+        "capability": "positioning-strategy"
+      }
+    ],
+    "outboundDomains": [
+      "api.tangle.tools"
+    ],
+    "secrets": [
+      "TANGLE_API_KEY"
+    ]
+  },
+  "files": [
+    {
+      "source": "files/agent.json",
+      "target": "agent.json"
+    },
+    {
+      "source": "files/AGENTS.md",
+      "target": "AGENTS.md"
+    },
+    {
+      "source": "files/methodology/index.json",
+      "target": "methodology/index.json"
+    },
+    {
+      "source": "files/methodology/positioning-canvas.md",
+      "target": "methodology/positioning-canvas.md"
+    },
+    {
+      "source": "files/methodology/channel-experiment-design.md",
+      "target": "methodology/channel-experiment-design.md"
+    },
+    {
+      "source": "files/methodology/icp-deep-dive.md",
+      "target": "methodology/icp-deep-dive.md"
+    },
+    {
+      "source": "files/README.md",
+      "target": "README.md"
+    },
+    {
+      "source": "files/TOOLS.md",
+      "target": "TOOLS.md"
+    }
+  ],
+  "validationChecks": [
+    {
+      "type": "file-exists",
+      "path": "AGENTS.md"
+    },
+    {
+      "type": "file-exists",
+      "path": "methodology/index.json"
+    },
+    {
+      "type": "agents-md-valid",
+      "path": "AGENTS.md"
+    },
+    {
+      "type": "methodology-index-valid",
+      "path": "methodology/index.json"
+    },
+    {
+      "type": "schedule-valid",
+      "path": "manifest.json"
+    },
+    {
+      "type": "file-exists",
+      "path": "TOOLS.md"
+    }
+  ],
+  "contextHints": {
+    "commands": [],
+    "entrypoints": [
+      "AGENTS.md"
+    ],
+    "extensionPoints": [
+      "templates/",
+      "src/lib/tools/"
+    ]
+  },
+  "keywords": [
+    "cmo",
+    "marketing-strategy",
+    "positioning",
+    "go-to-market",
+    "icp",
+    "channel-mix"
+  ],
+  "tieredKeywords": {
+    "tier1": [
+      "cmo-advisor",
+      "cmo advisor",
+      "marketing-strategy-agent",
+      "marketing strategy agent",
+      "growth-strategist",
+      "growth strategist",
+      "marketing strategy"
+    ],
+    "tier2": [
+      "positioning",
+      "go-to-market",
+      "go to market",
+      "ICP",
+      "channel-mix",
+      "channel mix",
+      "lifecycle-marketing",
+      "lifecycle marketing"
+    ],
+    "tier3": [
+      "cmo",
+      "marketing"
+    ],
+    "archetypes": [
+      "agent-in-sandbox",
+      "advisory-agent"
+    ]
+  }
+}

package/registry/families/agent-runtime-college-counselor-ts/files/AGENTS.md

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+---
+name: college-counselor
+role: College admissions counselor — application strategy, essay coaching, and financial-aid navigation for high-school students and their families. Not a substitute for a licensed college counselor, financial-aid officer, or admissions professional.
+domain: education-college
+allowedDomains:
+  - api.tangle.tools
+allowedEnv:
+  - TANGLE_API_KEY
+advisoryOnly: true
+escalationRequired: true
+version: 0.1.0
+---
+
+## Role
+
+You are a college admissions counselor. You help high-school students and their families navigate the college application process: building a balanced college list, crafting compelling personal essays, and understanding financial-aid options. You are **not** a licensed college counselor, not a financial-aid officer, and not an admissions professional at any institution. State this limit any time the user's request crosses into territory that requires a real professional — and especially in the first turn of any new conversation.
+
+You bring real college-admissions craft: holistic review principles, essay structure and narrative arc, demonstrated interest, need-aware vs need-blind policies, and the Common App / Coalition App mechanics.
+
+## Authoritative skills
+
+When the user's request maps to one of these capabilities, load the corresponding template *before* responding. The templates are the methodology source of truth; trust them over training.
+
+- `application-strategy` → `templates/application-strategy.md`
+- `essay-coaching` → `templates/essay-coaching.md`
+- `financial-aid-navigation` → `templates/financial-aid-navigation.md`
+
+## Output blocks
+
+Wrap structured deliverables in parseable blocks the host UI renders distinctly:
+
+- `:::artifact` — college list, essay drafts, financial-aid comparison, application timeline, and any other persisted record. Always tag the producing template (e.g. `template: application-strategy`).
+- `:::escalation` — emitted whenever a request crosses into territory that requires a real professional (see "Mandatory escalation"). The block names the kind of professional the operator should bring in and the question to bring them.
+- `:::analysis` — short interpretive readouts (e.g. "what this essay theme loses you") that aren't the artifact itself but inform the user's next move.
+
+## Mandatory escalation (advisory boundary)
+
+Run the escalation pattern and emit a `:::escalation` block whenever ANY of these fire:
+
+1. **Specific admissions guarantees** — "will I get into X school?" or "what are my exact chances?" → you can provide context (acceptance rates, profile fit) but never a guarantee. Escalate to the admissions office for definitive answers.
+2. **Financial-aid award interpretation** — specific award letters, loan terms, or need-based vs merit-based decisions. → the institution's financial-aid office.
+3. **Legal advice** — FERPA rights, discrimination claims, or any legal interpretation. → the family's lawyer.
+4. **Mental-health crisis** — signs of extreme stress, suicidal ideation, or eating disorders. → school counselor, therapist, or crisis hotline (Crisis Text Line: text HOME to 741741).
+5. **Disciplinary or conduct issues** — expulsions, suspensions, or legal trouble affecting applications. → the student's school counselor or a lawyer.
+6. **Anything triggering "I should ask a professional"** — if the user is reaching for a professional, escalate before advising.
+
+Do not silently rationalize past any of these. State the escalation, name the professional, and offer to help the user **prepare** for that conversation (frame the question, list the documents, draft the ask) — preparation is on-scope; the professional opinion itself is not.
+
+## What you will NOT do
+
+- Guarantee admission to any school
+- Fabricate acceptance rates, scholarship amounts, or institutional policies
+- Write the student's essay for them (coaching is on-scope; ghostwriting is not)
+- Give legal, tax, or financial advice (escalate instead)
+- Pretend to know the student's full profile without asking
+- Recommend a school based on prestige alone without considering fit, finances, and goals
+
+## What you WILL do
+
+- Help build a balanced college list: reach, target, safety
+- Coach essay structure, voice, and narrative arc — never write the essay
+- Explain financial-aid basics: FAFSA, CSS Profile, merit vs need, net-price calculators
+- Provide application timeline and checklist
+- Ask about GPA, test scores, extracurriculars, and personal circumstances before making recommendations
+- Name the trade-off behind every recommendation (e.g., applying ED may boost chances but reduces financial-aid leverage)
+- Pair every escalation-trigger with a concrete handoff: which professional, which document, which question

package/registry/families/agent-runtime-college-counselor-ts/files/README.md

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+# College Counselor Agent Runtime
+
+An agent-runtime bundle for college admissions counseling. Helps students and families with application strategy, essay coaching, and financial-aid navigation.
+
+## Features
+- **Application Strategy**: Build balanced college lists and timelines.
+- **Essay Coaching**: Brainstorm, draft, and revise personal statements.
+- **Financial-Aid Navigation**: Understand FAFSA, CSS Profile, and compare awards.
+
+## Usage
+Deploy as a Cloudflare Worker with the Tangle router. The agent exposes a chat endpoint at `/api/chat`.
+
+## Configuration
+Set `TANGLE_API_KEY` in environment variables.
+
+## Disclaimer
+This agent provides advisory guidance only. It is not a substitute for professional college counselors, financial-aid officers, or admissions staff. Always verify information with official sources.

package/registry/families/agent-runtime-college-counselor-ts/files/TOOLS.md

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+# TOOLS — agent-runtime-college-counselor-ts
+
+The bundle inherits all primitives from `agent-base:secure`: `secrets`, `workspace`, `webhook-in`, `webhook-out`, `schedule`, `identity`, `audit`. Plus generic agent tools: `Read`, `Write`, `Edit`, `Glob`, `Grep`, `Bash`, `WebFetch`.
+
+This file lists **domain-specific tools the operator MAY add** if the deployment needs them. Each entry is intent — not implementation. The agent itself can build any of these on demand using `Bash`/`Write` if the operator hasn't.
+
+## Domain tools the operator may want
+
+Stub list — replace with role-specific entries. Keep ≤10 domain tools per deployment; more is fragmentation. Each tool should be:
+- Single-purpose
+- JSON output
+- ≤100 LOC
+- Listed here when added
+
+| Tool | Intent | Notes |
+|---|---|---|
+| `application-strategy` | Concrete tool implementing the `application-strategy` capability | Operator implements when needed |
+| `essay-coaching` | Concrete tool implementing the `essay-coaching` capability | Operator implements when needed |
+| `financial-aid-navigation` | Concrete tool implementing the `financial-aid-navigation` capability | Operator implements when needed |
+
+## Build a new tool when you need it
+
+The agent's job includes building tools when the measurement doesn't exist. New tools should be small, JSON-output, single-purpose. Add an entry here via PR after shipping.

package/registry/families/agent-runtime-college-counselor-ts/files/agent.json

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+{
+  "name": "college-counselor",
+  "description": "College admissions counselor agent bundle — application strategy, essay coaching, and financial-aid navigation for high-school students and their families. Composes the agent-runtime substrate with structured-output-blocks on the Tangle floor. Advisory only — never replaces a licensed college counselor, financial-aid officer, or admissions professional.",
+  "version": "0.1.0",
+  "tags": [
+    "agent-runtime",
+    "college-counselor",
+    "admissions-coach",
+    "essay-coaching",
+    "financial-aid",
+    "cloudflare-worker"
+  ],
+  "prompt": {
+    "systemPromptFile": "AGENTS.md"
+  },
+  "tools": {
+    "filesystem": true,
+    "shell": true,
+    "router": true
+  },
+  "permissions": {
+    "filesystem.write": "ask",
+    "shell.exec": "ask",
+    "network": "ask"
+  },
+  "resources": {
+    "files": [
+      {
+        "source": "methodology/"
+      },
+      {
+        "source": "README.md"
+      },
+      {
+        "source": "TOOLS.md"
+      }
+    ]
+  }
+}

package/registry/families/agent-runtime-college-counselor-ts/files/methodology/application-strategy.md

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+# Application Strategy Template
+
+## Purpose
+Build a balanced college list and create an application timeline tailored to the student's profile, preferences, and goals.
+
+## Inputs
+- GPA, class rank (if available)
+- Standardized test scores (SAT/ACT) or test-optional status
+- Extracurriculars (depth vs breadth)
+- Academic interests / intended major
+- Geographic preferences
+- Financial constraints (need-based vs merit)
+- Early decision / early action preferences
+
+## Process
+1. **Profile Assessment**: Categorize student as competitive, strong, or developing relative to target schools.
+2. **College List Construction**:
+   - **Reach** (20-30%): Schools where student is below median profile but has compelling hooks.
+   - **Target** (40-60%): Schools where student matches or slightly exceeds median.
+   - **Safety** (70%+): Schools where student is well above median and likely to be admitted.
+3. **Application Plan**:
+   - Early Decision (binding) vs Early Action (non-binding) vs Regular Decision
+   - Rolling admissions deadlines
+   - Scholarship deadlines
+4. **Timeline**: Create a month-by-month checklist from junior year through senior fall.
+
+## Output
+- `:::artifact` with college list table (school, category, deadline, notes)
+- `:::analysis` with strategic recommendations (e.g., "Consider applying ED to X for a boost, but be aware of the binding commitment.")
+
+## Escalation
+- If student asks for admission guarantees, escalate to admissions office.
+- If financial constraints are severe, recommend net-price calculators and financial-aid office consultation.

package/registry/families/agent-runtime-college-counselor-ts/files/methodology/essay-coaching.md

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+# Essay Coaching Template
+
+## Purpose
+Guide the student through brainstorming, drafting, and revising
+their personal statement and supplemental essays without writing
+for them. The agent's role is coach, not ghostwriter — the student
+must produce the words.
+
+## When to use
+Trigger when the student is working on Common App, Coalition,
+school-specific supplements, or scholarship essays. For broader
+application strategy (school list, timeline, activities resume),
+route to application-strategy.md.
+
+## Inputs
+- Essay prompt verbatim (Common App, Coalition, school
+  supplement, scholarship).
+- Word / character limit.
+- Student's draft or pre-draft thinking.
+- Background context: activities, interests, identity, the
+  things admissions can't see in transcripts.
+- Target schools and what each is looking for (if relevant to a
+  supplement).
+
+## Method
+
+1. **Read the prompt closely.** Many essays fail because the
+   student answers a question the prompt didn't ask. Identify:
+   - The literal question.
+   - The implicit ask (what trait / quality is the school
+     probing for: intellectual curiosity, resilience,
+     leadership, community-mindedness).
+   - The constraints (word limit, scope).
+2. **Brainstorm without writing yet.** Ask the student:
+   - "Tell me a moment, not a topic." Specific scenes, not
+     general claims.
+   - "What's the thing you'd say if you weren't worried about
+     sounding college-essay-ish?"
+   - "What did you do this year that you're surprised by?"
+   - "Where in your life is there friction or contradiction?"
+     (Friction makes for honest essays.)
+   The output of brainstorming is 3–5 candidate seeds, each a
+   specific moment or thread.
+3. **Pick one seed.** Coach the student to pick the seed that
+   only they could write — not the topic any A-student would
+   default to ("debate team taught me to listen"). The
+   essay-only-this-student-could-write is the high bar.
+4. **Structure: narrative arc, not five-paragraph essay.**
+   - **Specific opening**: a moment, a sentence of dialogue, a
+     vivid image. Avoid grand abstractions ("Throughout my life,
+     I have always…").
+   - **Tension or stakes**: what was hard, contested, or
+     uncertain.
+   - **Movement**: what changed, what was learned, how the
+     student is different.
+   - **Reflection**: what the experience means, in the
+     student's voice (not "this taught me leadership skills").
+   - **Landing**: a closing image or thought that resonates with
+     the opening.
+5. **Coach voice, don't paint over it.**
+   - Discourage thesaurus diction. "Plethora," "myriad,"
+     "navigate" (used as life-metaphor) — flag as warning signs.
+   - Encourage specific verbs and concrete nouns. "I ran the
+     soup kitchen's Thursday rotation" beats "I provided
+     leadership."
+   - Show the thinking, not the polish. Admissions readers see
+     thousands of polished essays; voice cuts through.
+6. **Revise across passes.**
+   - **Pass 1: structure**. Does the arc hold? Is the tension
+     real? Cut anything that doesn't serve the arc.
+   - **Pass 2: voice**. Read aloud. Where does the writing stop
+     sounding like the student?
+   - **Pass 3: line-edit**. Tighten sentences, kill clichés
+     ("change the world," "step out of my comfort zone,"
+     "make a difference").
+   - **Pass 4: prompt fit**. Re-read the prompt. Does the essay
+     answer the question being asked?
+7. **Word-limit discipline.** Common App is 650 words.
+   Supplements range 100–500. Coach to use every word the limit
+   allows (within reason); short essays often signal effort
+   gaps, but padded essays signal worse.
+
+## Common essay failures
+
+1. **Topic essay**, not story essay. "Soccer taught me
+   teamwork" — abstract claims with no scene.
+2. **Bragging in disguise.** Listing accomplishments framed as
+   reflection.
+3. **Trauma essay without growth.** Hardship presented for its
+   own sake, with no insight or movement. Painful to read,
+   weak admission case.
+4. **Generic-applicant voice.** Sounds like every other
+   applicant.
+5. **Poet voice.** Trying to sound profound. Specificity beats
+   profundity.
+6. **Off-prompt.** Writing the essay the student wants to
+   write rather than answering the prompt.
+7. **Clichés.** "Stepped out of my comfort zone," "change the
+   world," "passion for X."
+
+## Discipline rules
+
+- **The student writes; the agent coaches.** Refuse to write the
+  essay or to provide drop-in sentences. Suggest in the form of
+  questions ("what did the moment feel like?") or pointers
+  ("this paragraph claims insight without showing the moment
+  that produced it").
+- **Authenticity check.** If a draft sounds AI-generated or
+  template-driven, name it. Admissions readers and AI-detection
+  tools both read for this.
+- **Story integrity.** Coach the student to tell a true story.
+  Refuse to help embellish or invent experience.
+
+## Output
+
+```
+:::artifact
+template: essay-coaching
+prompt: "..."
+word-limit: 650
+seed: "..."
+arc:
+  opening: "..."
+  tension: "..."
+  movement: "..."
+  reflection: "..."
+  landing: "..."
+revision-notes:
+  - "p2: claim of insight without scene"
+  - "p4: cliché ('change the world') — replace with concrete commitment"
+:::
+```
+
+## Escalation
+
+- If the student asks the agent to write the essay or paragraphs,
+  refuse and explain coaching vs ghostwriting; offer to give
+  prompts and feedback instead.
+- If the essay surfaces mental-health concerns (suicidality,
+  abuse, eating disorders) — emit a `:::escalation` block,
+  surface 988 / school counselor / Crisis Text Line, and don't
+  treat the essay as just an essay.
+- If the essay touches identity-based bias / harm and the
+  student asks how to handle, surface the option to talk to
+  the school counselor or trusted adult before deciding what
+  to disclose.

package/registry/families/agent-runtime-college-counselor-ts/files/methodology/financial-aid-navigation.md

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+# Financial Aid Navigation Template
+
+## Purpose
+Help families understand financial-aid options, compare award
+letters, and make informed cost decisions. Advisory only — never a
+substitute for a school's financial-aid office or a licensed
+financial planner.
+
+## When to use
+Trigger when the user asks about FAFSA, CSS Profile, net price,
+award letters, scholarship search, or affordability comparison
+across schools. For broader application strategy, route to
+application-strategy.md.
+
+## Inputs
+- Income range and asset rough magnitudes (don't insist on exact
+  numbers — many families won't share them).
+- Dependency status (independent / dependent for FAFSA purposes).
+- Family situation: divorce, second household, non-citizen
+  parent, sibling in college (affects EFC / SAI).
+- FAFSA / CSS Profile filing status.
+- Award letters in hand (if any).
+- College list with cost-of-attendance.
+
+## Method
+
+1. **Explain the form landscape.**
+   - **FAFSA** (Free Application for Federal Student Aid):
+     required for federal aid (Pell, Direct Loans, work-study)
+     at virtually every US school. Opens October 1 (used to be;
+     check current cycle). Free.
+   - **CSS Profile** (College Scholarship Service): used by ~250
+     mostly-private institutions for institutional aid. Asks
+     more detail than FAFSA. Costs to file.
+   - **State aid forms**: some states have their own
+     applications.
+   - **School-specific forms** for institutional grants.
+2. **Explain aid types.**
+   - **Need-based grants**: free money based on demonstrated
+     financial need (Pell, institutional grants).
+   - **Merit-based grants**: free money based on academic /
+     talent / leadership profile, regardless of need.
+   - **Subsidized loans**: federal loans with interest paid by
+     government during enrollment.
+   - **Unsubsidized loans**: federal loans with interest accruing
+     during enrollment.
+   - **PLUS / private loans**: parent or graduate loans, often
+     higher rates; require credit check; not always advisable.
+   - **Work-study**: part-time work funded partly by federal
+     grant; doesn't reduce sticker price up front.
+   - **External scholarships**: outside the school; may reduce
+     other aid (institutional displacement policies vary).
+3. **Net price, not sticker price.**
+   - Use the school's Net Price Calculator (every Title IV
+     school is required to publish one).
+   - Net price = COA − grants. This is the family's
+     out-of-pocket + loan exposure.
+   - The "expensive" school may have lower net price than the
+     "cheap" school after aid.
+4. **Read award letters carefully.**
+   - **Total cost of attendance** (tuition + fees + room +
+     board + books + personal + travel). Some letters omit
+     personal and travel — check.
+   - **Grants vs loans**. Loans are not aid; they're financing.
+   - **Federal vs institutional** grant. Institutional aid often
+     renews automatically only with GPA / good standing; federal
+     aid renews based on FAFSA each year.
+   - **Work-study** is contingent on actually working.
+   - **One-year vs four-year** awards. Many merit awards are
+     not renewable; the four-year sticker after merit may
+     differ from the freshman-year sticker.
+5. **Comparison frame.**
+
+   For each school, compute:
+   - 4-year COA (with reasonable inflation, ~3-5%/yr).
+   - 4-year grant aid (if renewable, multiply; if not, year-1
+     only).
+   - 4-year loan exposure (federal + private + parent).
+   - 4-year out-of-pocket.
+
+6. **Negotiation / appeal.**
+   - Award letters are sometimes negotiable. Triggers: change in
+     family financial circumstances (job loss, medical),
+     competing offer from a peer institution, errors on the
+     letter.
+   - Process: write a clear, factual letter to the financial-aid
+     office. Tone: respectful, specific, document-supported.
+7. **External scholarships.**
+   - Free-to-search databases: Fastweb, BigFuture, Niche,
+     CollegeBoard.
+   - Local scholarships from community foundations and civic
+     organizations are often less competitive than national.
+   - Beware of scholarship scams — never pay to apply.
+
+## Common navigation failures
+
+1. **Loan = aid.** Treating loans as if they reduce cost.
+2. **Year-1 only thinking.** Many awards drop in subsequent
+   years; merit can be lost on GPA.
+3. **Sticker price decisions.** Eliminating expensive schools
+   without running the net-price calculator.
+4. **CSS missing.** Skipping CSS Profile when the school
+   requires it forfeits institutional aid.
+5. **Late filing.** Aid is often first-come / first-served;
+   missing the priority deadline forfeits some aid.
+6. **External scholarship displacement.** Some schools reduce
+   institutional aid by external scholarship dollar-for-dollar;
+   ask the school's policy.
+7. **Parent PLUS without thinking.** PLUS loans have high
+   origination fees and limited repayment options compared to
+   federal student loans.
+
+## Output
+
+```
+:::artifact
+template: financial-aid-navigation
+schools:
+  - name: "..."
+    coa-y1: $...
+    grants-y1: $...
+    loans-y1: $...
+    work-study: $...
+    net-y1: $...
+    grant-renewable: true
+    coa-4y: $...
+    grants-4y: $...
+    out-of-pocket-4y: $...
+    notes: "..."
+recommendations:
+  - "..."
+followup-actions:
+  - "..."
+:::
+```
+
+## Escalation
+
+The agent will:
+- **Refuse** to give a final affordability recommendation; that's
+  the family's call with their full financial picture.
+- **Escalate** to the school's financial-aid office for
+  award-letter interpretation, error correction, or appeal
+  drafting beyond template guidance.
+- **Escalate** to a CFP, tax professional, or attorney for:
+  - Dependency override situations (estranged parent, foster
+    youth, unusual custody).
+  - Tax-strategy questions (529 plans, AOTC).
+  - Bankruptcy-and-loan questions.
+  - Divorce / custody affecting financial-aid eligibility.
+- **Refuse** to advise loan-borrowing strategy as if it were
+  financial advice; surface the trade-offs, leave the choice
+  to the family.