@v587d/capital-generation 2.7.0 → 2.7.1

package/selected-skills/InvestSkill/plugins/us-stock-analysis/README.md

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+# US Stock Analysis Plugin
+
+Professional investment analysis and stock evaluation skills for US markets.
+
+## Skills Included
+
+### 1. `/stock-eval` - US Stock Evaluation
+Comprehensive fundamental and valuation analysis of individual US stocks including:
+- Company overview and competitive position
+- Financial health metrics
+- Valuation analysis (P/E, PEG, P/B, etc.)
+- Key financial ratios
+- Peer comparison and investment thesis
+
+### 2. `/economics-analysis` - US Economics Analysis
+Analyze US economic indicators and their market implications:
+- Growth indicators (GDP, employment, PMI)
+- Inflation metrics (CPI, PCE, PPI)
+- Monetary policy and Fed stance
+- Market sentiment indicators
+- Sector rotation recommendations
+
+### 3. `/fundamental-analysis` - Fundamental Analysis
+Deep-dive fundamental analysis using financial statements:
+- Income statement, balance sheet, cash flow analysis
+- Profitability and efficiency metrics
+- Growth and competitive analysis
+- Capital allocation assessment
+- Fair value estimation
+
+### 4. `/technical-analysis` - Technical Analysis
+Technical analysis using charts and indicators:
+- Chart patterns and trend identification
+- Technical indicators (RSI, MACD, Moving Averages)
+- Support/resistance levels
+- Volume analysis
+- Entry/exit points and price targets
+
+### 5. `/portfolio-review` - Portfolio Review
+Comprehensive portfolio analysis and optimization:
+- Performance metrics and risk-adjusted returns
+- Asset allocation and diversification
+- Risk assessment and concentration analysis
+- Rebalancing recommendations
+- Position-level insights
+
+### 6. `/sector-analysis` - Sector Analysis
+US market sector analysis and rotation strategies:
+- Sector performance and trends
+- Economic cycle positioning
+- Fundamental sector metrics
+- Macro drivers and catalysts
+- Sector rotation recommendations
+
+## Installation
+
+### From GitHub
+```bash
+/plugin marketplace add yennanliu/InvestSkill
+/plugin install us-stock-analysis@invest-skill
+```
+
+### Local Development
+```bash
+/plugin marketplace add /path/to/InvestSkill
+/plugin install us-stock-analysis@invest-skill
+```
+
+## Usage Examples
+
+### Evaluate a Stock
+```
+/stock-eval AAPL
+```
+
+### Check Economic Conditions
+```
+/economics-analysis
+```
+
+### Deep Fundamental Analysis
+```
+/fundamental-analysis MSFT
+```
+
+### Technical Chart Analysis
+```
+/technical-analysis TSLA
+```
+
+### Review Your Portfolio
+```
+/portfolio-review [paste portfolio holdings]
+```
+
+### Sector Rotation Analysis
+```
+/sector-analysis
+```
+
+## Requirements
+
+These skills work best when combined with:
+- Real-time market data access
+- Financial statement databases
+- Economic indicator sources
+- Technical charting tools
+
+## License
+
+MIT License - See LICENSE file for details
+
+## Contributing
+
+Contributions welcome! Please open issues or pull requests on GitHub.
+
+## Disclaimer
+
+This plugin provides educational analysis and is not financial advice. Always consult with qualified financial advisors before making investment decisions.

package/selected-skills/InvestSkill/plugins/us-stock-analysis/skills/10k-digest/SKILL.md

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+---
+name: 10k-digest
+description: Deep-read a 10-K annual report and output a structured markdown digest — abstract, section summaries, key metrics, and sourced references. Output in English or Traditional Chinese.
+---
+
+# 10-K Report Digest
+
+## ⚠️ Data Verification — Do This Before Any Analysis
+
+Before running the digest, confirm the filing details:
+
+1. **Identify the filing** — confirm ticker, fiscal year-end, and exact 10-K filing date from SEC EDGAR.
+2. **State your source** — note where the document came from (e.g., "SEC EDGAR, FY2024 10-K filed 2025-02-05") at the top of the output.
+3. **Flag incomplete data** — if only partial sections are available, list what is missing before proceeding.
+
+> ⚠️ **Source unavailable.** If the full 10-K cannot be retrieved, display this warning and proceed only with the sections provided.
+
+---
+
+## 📋 Data & Sources Header — Open Every Output With It
+
+The first thing in the output is this provenance block, filled in — never left as placeholders. It is the standard documented on the [Data & Accuracy](https://yennanliu.github.io/InvestSkill/data-and-accuracy.html) page and the first thing `result-validator` looks for:
+
+```
+Data & Sources
+  As of:      <date the figures represent, e.g. 2026-06-30>
+  Source:     <primary docs — SEC EDGAR 10-K/10-Q, company IR, FRED, exchange data …>
+  Retrieval:  <delegated retrieval | web/tool retrieval | pasted by user>
+  Confidence: <HIGH | MEDIUM | LOW>
+```
+
+- Memory is not a retrieval path. A figure that was neither retrieved nor supplied by the user is reported as missing, never estimated — and never written into this block as if it had been retrieved.
+- Mixed sources: list each with its own as-of date rather than blending them.
+- Data the user pasted is reported as `pasted by user`; do not upgrade its confidence beyond what the user's own source supports.
+
+---
+
+Produce a clean, structured markdown document that distills a company's 10-K annual report into an abstract, per-section summaries, a digest of key metrics, and full source references. Designed for quick comprehension — not trading signals. Output language is selectable: English or Traditional Chinese (繁體中文).
+
+## 🔎 Retrieving the Filing — the Keyless EDGAR Path
+
+This skill fetches nothing by itself. When the user gives only a ticker, obtain the 10-K in one of three ways and record which one in the `Data & Sources` header:
+
+**A. Retrieval through the host (the normal path)** → `Retrieval: delegated retrieval`. In a role-split host, delegate the fetch to the agent that owns web retrieval — this step never searches from the analysis role itself. Every step is free and needs no API key:
+
+1. **Ticker → CIK** — `https://www.sec.gov/files/company_tickers.json`: find the entry whose `ticker` matches (write `BRK-B` for `BRK.B`) and zero-pad its `cik_str` to 10 digits.
+2. **Filings index** — `https://data.sec.gov/submissions/CIK##########.json`: inside `filings.recent` the arrays `form`, `filingDate`, `reportDate`, `accessionNumber` and `primaryDocument` are aligned by index. Take the newest row whose `form` is `10-K` (foreign private issuers file `20-F` instead; a `10-K/A` is an amendment). The top-level `fiscalYearEnd` is `MMDD`.
+3. **The document** — `https://www.sec.gov/Archives/edgar/data/<CIK without leading zeros>/<accessionNumber without dashes>/<primaryDocument>`: the complete filing as HTML (inline XBRL). The filing's index page is the same folder plus `<accessionNumber>-index.htm`; cite that URL and the accession number in the References.
+4. **Structured statement data (optional)** — `https://data.sec.gov/api/xbrl/companyfacts/CIK##########.json`: every US-GAAP fact the company has tagged, by concept and period. Use it to confirm the figures read from Item 8.
+5. **Full-text search (optional)** — `https://www.sec.gov/edgar/search/#/q=%22<phrase>%22&forms=10-K` when a filing has to be located by phrase rather than ticker.
+
+Send a `User-Agent` header that identifies the requester (the SEC requires it, e.g. `Name email@example.com`) and stay under 10 requests per second. Never substitute a summary site for the filing itself.
+
+**B. Only if the host has no retrieval path at all** → `Retrieval: pasted by user`. Ask the user for the sections needed. The repository's own fetch helpers are optional, keyless, and live outside this plugin — they are never run from here.
+
+**C. Neither** → show the ⚠️ *Source unavailable* warning and digest only what the user provided. What is absent stays absent: no accession number, figure or date is filled in from memory.
+
+---
+
+## How to Use
+
+```
+# Analyze by ticker (retrieves the latest 10-K via the EDGAR path above, or asks you to paste it)
+/10k-digest AAPL
+
+# Paste 10-K text directly
+/10k-digest [paste 10-K sections here]
+
+# Specify fiscal year
+/10k-digest MSFT FY2024
+
+# Output in Traditional Chinese
+/10k-digest NVDA --lang zh-TW
+
+# Save output to file
+/10k-digest GOOGL --output googl-10k-digest.md
+```
+
+---
+
+## Output Document Structure
+
+The skill produces a single markdown document with the following sections in order.
+
+---
+
+### 1. Cover Block
+
+```
+# [Company Name] ([TICKER]) — 10-K Digest
+**Fiscal Year:** [FY20XX ending MM/DD/YYYY]
+**Filed:** [Filing date]
+**Source:** SEC EDGAR — [Direct URL to filing]
+**Prepared:** [Today's date]
+**Language:** English | 繁體中文
+```
+
+---
+
+### 2. Abstract
+
+A 3–5 sentence executive summary of the entire 10-K. Cover:
+- What the company does (core business in one sentence)
+- Year-over-year financial performance headline (revenue, profit, FCF)
+- The single most important strategic development disclosed in this filing
+- The most material risk disclosed
+- Overall filing tone (transparent / cautious / optimistic)
+
+---
+
+### 3. Section Summaries
+
+Summarize each major 10-K section. For each section, write 2–4 sentences capturing the substance — not just restating headings.
+
+#### 3.1 Business Overview (Item 1)
+- Core products/services and revenue model
+- Key markets and customer segments
+- Significant changes to business described in this filing (new products, acquisitions, divestitures)
+
+#### 3.2 Risk Factors (Item 1A)
+- Total number of risk factors disclosed
+- Top 3 risks by disclosure prominence (listed first, given most space, or new this year)
+- Any risks added or removed vs. prior filing (state "N/A if prior not available")
+- One-line assessment: are risks standard boilerplate or specific and material?
+
+#### 3.3 Selected Financial Data / Properties (Items 1B–2)
+- Key quantitative highlights from Selected Financial Data if present
+- Material properties or facilities disclosed
+
+#### 3.4 Management's Discussion & Analysis — MD&A (Item 7)
+- Revenue: total and YoY growth; organic vs. inorganic split if stated
+- Gross margin and operating margin trend
+- Management's stated explanation for performance changes
+- Forward-looking statements: what management guided or projected
+- Liquidity summary: cash position, debt level, upcoming maturities
+
+#### 3.5 Financial Statements (Items 8)
+- Revenue, net income, EPS (GAAP) — current year vs. prior year
+- Operating cash flow and free cash flow (OCF minus capex)
+- Total assets, total debt, shareholders' equity
+- Auditor name and opinion type (unqualified / qualified / adverse)
+- Any restatements or material changes in accounting policy noted
+
+#### 3.6 Quantitative Disclosures about Market Risk (Item 7A)
+- Primary market risks disclosed (interest rate, FX, commodity)
+- Sensitivity disclosures if provided (e.g., "1% rate rise = $X impact")
+
+#### 3.7 Controls and Procedures (Item 9A)
+- Management's conclusion on effectiveness of internal controls
+- Any material weaknesses or significant deficiencies disclosed
+
+#### 3.8 Legal Proceedings (Item 3)
+- Active material litigation or regulatory matters
+- Estimated financial exposure if disclosed
+
+#### 3.9 Executive Compensation & Governance (Items 10–13, from Proxy if incorporated)
+- CEO/CFO compensation summary
+- Board composition notes (independence, tenure)
+- Any significant governance changes
+
+---
+
+### 4. Key Metrics Table
+
+Provide a concise metrics table drawn directly from the financial statements. Use exact figures from the filing; do not estimate.
+
+```
+| Metric                    | Current FY      | Prior FY        | YoY Change |
+|---------------------------|-----------------|-----------------|------------|
+| Revenue                   | $X.XX B         | $X.XX B         | +X.X%      |
+| Gross Profit              | $X.XX B         | $X.XX B         | +X.X%      |
+| Gross Margin %            | XX.X%           | XX.X%           | +X bps     |
+| Operating Income          | $X.XX B         | $X.XX B         |            |
+| Operating Margin %        | XX.X%           | XX.X%           |            |
+| Net Income (GAAP)         | $X.XX B         | $X.XX B         |            |
+| EPS Diluted (GAAP)        | $X.XX           | $X.XX           |            |
+| Operating Cash Flow       | $X.XX B         | $X.XX B         |            |
+| Capital Expenditures      | $X.XX B         | $X.XX B         |            |
+| Free Cash Flow            | $X.XX B         | $X.XX B         |            |
+| Cash & Equivalents        | $X.XX B         | $X.XX B         |            |
+| Total Debt                | $X.XX B         | $X.XX B         |            |
+| Net Debt / (Net Cash)     | $X.XX B         | $X.XX B         |            |
+| Shares Outstanding (dil.) | X.XX B          | X.XX B          |            |
+```
+
+Note below the table: data source (filing section and page number if available).
+
+---
+
+### 5. Highlights & Concerns
+
+Two short lists that give the reader the "so what" without leaving the digest. Draw every item directly from the filing and cite the source Item.
+
+**Highlights** — up to 5 of the strongest positives disclosed this year (e.g., record revenue, margin expansion, new products/segments, strong FCF conversion, new buyback authorization, market-share gains). Format: `- **[Headline]** — [one sentence] *(Item X)*`
+
+**Concerns** — up to 5 of the most material negatives or warning signs (e.g., decelerating growth, margin compression, rising leverage, customer/supplier concentration, new risk factors, active litigation, going-concern language). Format: `- **[Headline]** — [one sentence] *(Item X)*`
+
+---
+
+### 6. Management Outlook & Forward Guidance
+
+Capture every forward-looking commitment made in the filing. Present as a table.
+
+```
+| Guidance Item              | What Management Said                | Time Horizon | Source     |
+|----------------------------|-------------------------------------|--------------|------------|
+| Revenue growth             | [target / range / directional]      | [FY / multi] | Item 7     |
+| Margin target              | [gross / operating target]          | [horizon]    | Item 7     |
+| Capex / capacity           | [planned spend or expansion]        | [horizon]    | Item 7     |
+| Capital allocation         | [dividend / buyback / debt / M&A]   | [horizon]    | Item 7/8   |
+| Strategic priorities       | [product roadmap, new markets]      | [horizon]    | Item 1/7   |
+```
+
+Only include rows the filing actually addresses. If the 10-K gives no explicit guidance (common — 10-Ks are backward-looking), state that and summarize any qualitative forward statements instead.
+
+---
+
+### 7. Prior-Year Promise Tracker
+
+An accountability audit: take the forward-looking statements, targets, and stated priorities from **last year's** 10-K (Item 7 MD&A) and score whether they materialized in this year's results. This is the single most differentiating part of the digest — it measures management credibility over time.
+
+```
+| Prior-Year Commitment (FY[N-1] 10-K)   | FY[N] Actual Result          | Verdict     | Notes            |
+|-----------------------------------------|------------------------------|-------------|------------------|
+| [what management said they would do]    | [what actually happened]     | ✅ Delivered | [brief context]  |
+| [e.g., "expand operating margin"]       | [e.g., "margin +120 bps"]    | 🟡 Partial  | [brief context]  |
+| [e.g., "launch product X in H2"]        | [e.g., "slipped to next FY"] | ❌ Missed    | [brief context]  |
+```
+
+Verdict legend: ✅ Delivered · 🟡 Partial · ❌ Missed · ⏳ Too early to judge.
+
+Close with a one-line **Management Credibility read**: e.g., "4/5 prior commitments delivered — high follow-through." If the prior-year 10-K is unavailable, state `N/A — prior filing not retrieved` and skip the table.
+
+---
+
+### 8. Bull vs. Bear Synthesis
+
+A lightweight face-off built strictly from evidence in this filing — not a full valuation call (defer to `bear-case`, `stock-eval`, and `stock-valuation` for that).
+
+**Bull case** — 3–4 strongest points from this filing supporting the stock.
+
+**Bear case** — 3–4 strongest points from this filing arguing against it.
+
+**Net read** — one sentence weighing the two, consistent with the Investment Signal below.
+
+---
+
+### 9. Notable Disclosures
+
+Bullet list of up to 8 items that are worth investor attention but don't fit neatly into section summaries:
+- New segment or business unit disclosures
+- Changes in accounting estimates or policies
+- Related party transactions
+- Auditor changes
+- Going concern language (if any)
+- New share repurchase authorizations or dividend changes
+- Material acquisitions or divestitures announced
+- Specific named customers or suppliers with concentration risk
+
+---
+
+### 10. Source References
+
+List all sources cited in this digest. Format:
+
+```
+## References
+
+1. **SEC EDGAR Filing** — [Company] 10-K, FY[XXXX]
+   URL: https://www.sec.gov/cgi-bin/browse-edgar?...
+   Filed: [Date] | Accession No.: [XXXXXXXXXX-XX-XXXXXX]
+
+2. **Item 1 — Business** (pp. X–X of filing)
+3. **Item 1A — Risk Factors** (pp. X–X of filing)
+4. **Item 7 — MD&A** (pp. X–X of filing)
+5. **Item 8 — Financial Statements** (pp. X–X of filing)
+6. **Item 9A — Controls and Procedures** (pp. X–X of filing)
+7. **Exhibit 13 / Annual Report to Shareholders** (if incorporated by reference)
+8. [Any additional sources used, e.g. earnings press release, investor presentation]
+```
+
+If page numbers are unavailable (e.g., pasted text), reference by Item number and section heading.
+
+---
+
+## Language Mode
+
+When `--lang zh-TW` is specified, output the **entire document** in Traditional Chinese (繁體中文), including:
+- All section headings translated
+- All narrative summaries written in Traditional Chinese
+- All tables with Chinese column headers
+- Cover block language field: `語言：繁體中文`
+- Keep ticker symbols, financial figures, and SEC item numbers in their original form
+
+Suggested Traditional Chinese headings for the interpretation sections: 亮點與隱憂 (Highlights & Concerns), 管理層展望 (Management Outlook & Forward Guidance), 上年度承諾兌現 (Prior-Year Promise Tracker), 多空對決 (Bull vs. Bear Synthesis).
+
+English mode is the default when no `--lang` flag is given.
+
+---
+
+## File Output
+
+When `--output <filename>` is specified:
+- Save the digest as a markdown file at the specified path
+- If no path separator is present, save in the current directory
+- Confirm the file path after saving: `✓ Digest saved to: <path>`
+- Default filename if `--output` flag is present without a name: `<TICKER>-10k-digest.md`
+
+---
+
+## Thesis Invalidation
+
+After delivering the digest, note what would make this document stale:
+
+**Re-run this digest when:**
+- [ ] Company files next 10-K or 10-K/A amendment
+- [ ] Material 8-K filed disclosing a restatement or auditor change
+- [ ] 12 months have elapsed since the filing date
+
+```
+╔══════════════════════════════════════════════╗
+║              INVESTMENT SIGNAL               ║
+╠══════════════════════════════════════════════╣
+║ Signal:      BULLISH / NEUTRAL / BEARISH     ║
+║ Confidence:  HIGH / MEDIUM / LOW             ║
+║ Horizon:     SHORT / MEDIUM / LONG-TERM      ║
+║ Score:       X.X / 10                        ║
+╠══════════════════════════════════════════════╣
+║ Action:      BUY / HOLD / SELL               ║
+║ Conviction:  STRONG / MODERATE / WEAK        ║
+╚══════════════════════════════════════════════╝
+```
+
+Score Guide: 8.0–10.0 Strongly Bullish | 6.0–7.9 Moderately Bullish | 4.0–5.9 Neutral | 2.0–3.9 Moderately Bearish | 0.0–1.9 Strongly Bearish
+Confidence: HIGH (strong data, clear signals) | MEDIUM (mixed signals) | LOW (limited data, conflicting signals)
+Horizon: SHORT-TERM (1 week–3 months) | MEDIUM-TERM (3 months–1 year) | LONG-TERM (1+ years)
+
+**Disclaimer:** Educational analysis only. Not financial advice.