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独立开发者与微型 SaaS — 单人或极小团队 (≤3 人) 构建可持续订阅收入的软件产品商业, 有别于自由职业/咨询、企业级 SaaS 和开源维护: (a) 产品发现与验证 (自己的痒 vs 市场优先 Nugent/Walling; 着陆页冒烟测试; 先接 Stripe 再写代码; JTBD 访谈适配独立开发者场景; Reddit/HN/X/社区痛点挖掘; Mom Test 验证框架; 公开构建作为验证机制); (b) 独立开发者技术架构 (无聊技术论 McKinley; 单体优先; serverless vs VPS 在 ≤$100/月预算下的取舍; Rails/Django/Laravel/Next.js 等框架的出货速度选型; 托管服务优先于自建; Supabase/PlanetScale/Neon 数据库即服务; Clerk/Auth0 认证即服务; Stripe/Paddle/LemonSqueezy 支付; Vercel/Fly.io/Railway 部署; AI 辅助编码 Cursor/Copilot 作为力量倍增器); (c) 无营销团队的分发与增长 (SEO 作为微型 SaaS 护城河; Product Hunt 发布; AppSumo 终身授权利弊; 冷邮件; Twitter/X 公开构建; IndieHackers 社区分发; 集成市场 Shopify/WordPress/Zapier/Slack 应用目录; 联盟计划; 一人内容营销); (d) 定价与变现 (SaaS 定价心理学; freemium vs 免费试用 vs 纯付费; 按席位 vs 按用量 vs 固定费率; 年付折扣; 老用户保价; 微型 SaaS 流失率控制; MRR/ARR/LTV/CAC 在微型规模的含义; $10K MRR 里程碑心理学); (e) 独立创始人心智模型与生活设计 (default alive vs default dead Graham; 拉面盈利 Levels; 生活方式生意 vs 增长生意的光谱; 独立开发者倦怠预防; 时间管理与上下文切换成本; 地理套利与远程优先; 一次构建反复销售的资产思维; 社区作为支持网络 IndieHackers/WIP/MicroConf); (f) 法务与运营基础 (公司注册地选择 LLC/Ltd/GmbH 税效; Stripe Atlas vs Firstbase vs 本地律师; 服务条款与隐私政策; GDPR/CCPA 低成本合规; 知识产权基础; 首次雇人的承包商 vs 员工选择; 独立开发者会计 SaaS — Xero/QuickBooks; 多辖区税务义务)。中国独立开发者生态: 出海作为主导策略 (从中国构建面向全球市场的产品以避开国内竞争/监管); 即刻/V2EX/少数派作为社区枢纽; 微信小程序作为替代分发; 小报童/爱发电作为中文市场变现; 人民币定价心理学; 支付宝/微信支付集成; ICP 备案要求; 中国区 App Store 审核差异; 独立开发者周刊。诚实处理: 生存偏差 (每一个 Pieter Levels 背后是数千个从未达到 $1K MRR 的人), AI 对微型 SaaS 生态位的颠覆 (wrapper 产品脆弱), 独自构建的孤独与心理健康成本, 公开构建的表演性质 vs 真正透明, AppSumo 终身授权上瘾毁坏单位经济, 样板代码销售的伦理边界。不含: 企业级 SaaS (不同 GTM/销售/融资模型), 不含: 自由职业/咨询 (用时间换钱非建资产), 不含: 开源维护 (不同可持续性模型), 不含: 风投支持的创业 (不同增长期望), 不含: 无代码/低代码平台构建 (相邻但不同受众), 不含: 内容创作作为主业。 (Independent Developer and Micro-SaaS — the craft of single-person or tiny-team (≤3 people) software product businesses that generate sustainable recurring revenue without venture capital, distinct from freelancing/consulting, enterprise SaaS, and open-source maintainership: (a) product discovery and validation (scratching your own itch vs market-first Nugent/Walling; landing page smoke tests; Stripe checkout before code; Jobs-to-Be-Done interview adapted to solo context; Reddit/HN/X/community pain-point mining; idea validation frameworks Fitzpatrick Mom Test; build-in-public as validation mechanism); (b) technical architecture for solo operators (boring technology thesis Mckinley; monolith-first; serverless vs VPS tradeoffs for ≤$100/mo infra; framework selection for shipping speed — Rails/Django/Laravel/Next.js/Remix/SvelteKit; managed services over self-hosted whenever possible; database-as-a-service Supabase/PlanetScale/Neon/Turso; auth-as-a-service Clerk/Auth0/Supabase Auth; payment integration Stripe/Paddle/LemonSqueezy; deployment Vercel/Fly.io/Railway/Render; monorepo vs polyrepo for solo; AI-assisted coding Cursor/Copilot as force multiplier); (c) distribution and growth without a marketing team (SEO as moat for micro-SaaS Ahrefs-style content marketing on 1-person budget; Product Hunt launches; AppSumo lifetime deals tradeoffs; cold email outreach; Twitter/X building in public; IndieHackers community distribution; integration marketplaces Shopify/WordPress/Zapier/Slack app directories as channels; affiliate programs; content marketing at scale-of-one); (d) pricing and monetization (SaaS pricing psychology Patel/Campbell; freemium vs free trial vs paid-only; per-seat vs usage-based vs flat-rate; annual discount strategies; grandfathering existing customers; churn reduction for micro-SaaS — Baremetrics/ProfitWell/ChartMogul analytics; MRR/ARR/LTV/CAC at micro scale; the $10K MRR milestone psychology); (e) solo founder mental model and lifestyle design (default alive vs default dead Graham; ramen profitability Levels; lifestyle business vs growth business spectrum; burnout prevention for solo operators — no team to delegate to; time management and context-switching costs; geographic arbitrage and remote-first; the 'build once sell twice' asset mindset; community as support network IndieHackers/WIP/MicroConf); (f) legal and operational basics (incorporation LLC/Ltd/Gm

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健身私教 — 为客户设计、指导和推进个性化训练方案的专业工艺, 有别于团课教练、物理治疗师或运动队教练: (a) 训练方案设计与周期化 (线性 / 波动 / 板块周期化 Bompa & Haff; NSCA《力量训练与体能训练精要》行业圣经; Schoenfeld 肌肥大机制; Helms/Valdez/Morgan 肌肉与力量金字塔; 共轭训练法 Simmons/Westside; Starting Strength 线性渐进 Rippetoe; Renaissance Periodization 训练量地标 Israetel); (b) 动作评估与筛查 (FMS 功能性动作筛查 Gray Cook; NASM CEx 纠正性训练连续体 抑制-拉伸-激活-整合; 关节逐级方法 Cook/Boyle; 姿势与代偿模式识别; PAR-Q+ 与 ACSM 运动前筛查指南); (c) 教学与指令 (外部 vs 内部注意焦点 Wulf; 差异化学习 Schöllhorn; 约束导向方法 Davids/Renshaw; RIR/RPE 自动调节 Zourdos/Helms; 动机访谈在健身中的应用 Rollnick/Miller); (d) 营养指导的执业边界 (宏量营养素周期化; Precision Nutrition / ISSN 立场声明的循证建议; 边界: 私教提供一般性指导, 医学营养治疗需 RD/RDN 资质; 能量可用性与 RED-S Mountjoy IOC 共识); (e) 商业与客户管理 (客户留存与方案依从; 咨询与销售伦理; 线上教练平台与规模化 Goodman PTDC; 方案交付工具 TrueCoach/Trainerize/TrainHeroic; 课时定价模型; 独立教练 vs 健身房雇员); (f) 专项方向 (运动表现 CSCS; 纠正性训练 CES; 老年健身 SFN; 产前产后; 青少年 YSCA; 适应性 / 无障碍健身; 健美 / 形体; 力量举; 耐力运动 S&C)。诚实处理: 兄弟科学 vs 循证之争, 补剂行业利益冲突, 合成代谢激素使用现状 (诚实但不推广: 匿名调查约 30% 有经验男性健身者使用过 — 业内估, Kanayama/Pope/Hudson 记录健康风险, WADA 禁用清单用于竞技语境), 体型焦虑与进食障碍风险 (男性私教肌肉变形症, 正食症倾向, NEDA 负责任语言指南), 健身房掠夺性销售 (高压推销、误导性对比照、长约锁定), 执业边界违规 (私教诊断伤病或超范围开饮食处方), 线上教练认证造假 (周末速成、未经认可的认证)。不含: 物理治疗 / 康复治疗 (持照医疗职业), 不含: 团课教练 (Les Mills/Zumba/CrossFit 分馆教练 — 相邻但不同), 不含: 精英竞技运动教练 (团队项目周期化, 不同职业路径), 不含: 营养作为主业 (临床营养学需单独资质)。 (Personal Trainer — the craft of designing, coaching, and progressing individualized exercise programs for clients, distinct from group fitness instruction, physiotherapy, or sports coaching: (a) exercise programming and periodization (linear / undulating / block periodization per Bompa & Haff; NSCA Essentials of Strength Training and Conditioning as industry bible; Schoenfeld on hypertrophy mechanisms; Helms/Valdez/Morgan Muscle & Strength Pyramids; conjugate method Simmons/Westside; Starting Strength linear progression Rippetoe; Renaissance Periodization volume landmarks Israetel); (b) movement assessment and screening (FMS Gray Cook; NASM CEx corrective exercise continuum inhibit-lengthen-activate-integrate; joint-by-joint approach Cook/Boyle; posture and compensation pattern identification; PAR-Q+ and pre-exercise screening ACSM guidelines); (c) coaching and cueing (external vs internal cueing Wulf attentional focus research; differential learning Schöllhorn; constraints-led approach Davids/Renshaw; RIR/RPE autoregulation Zourdos/Helms; motivational interviewing for adherence Rollnick/Miller adapted to fitness); (d) nutrition guidance within scope of practice (macronutrient periodization; evidence-based recommendations per Precision Nutrition / ISSN position stands; scope boundary: PT gives general guidance NOT medical nutrition therapy which requires RD/RDN credential; energy availability and RED-S awareness Mountjoy IOC consensus); (e) business and client management (client retention and programming adherence; consultation and sales ethics; online coaching platforms and scaling Goodman PTDC; programming delivery tools like TrueCoach/Trainerize/TrainHeroic; session pricing models; independent contractor vs gym employee dynamics); (f) specialization tracks (sports performance CSCS; corrective exercise CES; senior fitness SFN; pre/postnatal; youth YSCA; adaptive/inclusive fitness; bodybuilding/physique coaching; powerlifting/strength sports; endurance athlete S&C). Evidence-based practice as the core ethos: Schoenfeld/Krieger meta-analyses on volume-response, Helms systematic reviews on protein/resistance training, Brad Schoenfeld's MASS journal bridging research to practice, Menno Henselmans and Eric Helms as practitioner-researchers, Greg Nuckols Stronger By Science as translation layer. Chinese fitness industry context: rapid growth of personal training in commercial gyms (Keep/Lefit/Megafit chains), NSCA-CPT and ACE-CPT as dominant certifications alongside local CSFA (China Sport and Fitness Association) credential, '体适能' (physical fitness) as formal term, online coaching boom post-COVID, PT business models in tier 1-3 cities diverge sharply. Honest treatment of: bro science vs evidence-based d

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Use when turning any content into clear, professional visualizations - board slides, reports, proposals, research summaries, training materials, technical diagrams, infographics, process flows, timelines, benchmarks, waterfall charts, or data-backed visual specs for any audience.

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Build and debug Python applications using AgentScope 2.x. Consult this skill for AgentScope APIs, agent tools, multi-agent orchestration, and agent service deployment.

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Use this skill when you need to consult another agent, ask for help, or involve a specific agent the user asked for.

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For external plan request scenarios, guides the Agent to request a clear, actionable, step-by-step plan from a stronger Agent via list_agents and chat_with_agent, emphasizing that the plan is executed by the requester, not by the consulted Agent.

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Define clear decision rights - Decider, Approver, Veto, Consulted, Informed. Use when clarifying who decides.

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Comprehensive market research and analysis skill. Use when sizing markets, conducting competitive analysis, generating professional market research reports, analyzing consumer behavior, or identifying market opportunities. Activates for: market research, market analysis, market report, TAM SAM SOM, market sizing, industry analysis, market landscape, competitive landscape, market trends, consumer research, Porter's Five Forces, PESTLE, SWOT, BCG Matrix, McKinsey-style report, consulting report, market opportunity, industry report, due diligence, M&A analysis, GTM market analysis, product-market fit validation.

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Run Prettier for the is-kit repository. Use when asked to format or check formatting in this project. Always consult AGENTS.md in the repo root before executing commands.

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Stop and consult this skill whenever your response would include specific facts about Anthropic's products. Covers: Claude Code (how to install, Node.js requirements, platform/OS support, MCP server integration, configuration), Claude API (function calling/tool use, batch processing, SDK usage, rate limits, pricing, models, streaming), and Claude.ai (Pro vs Team vs Enterprise plans, feature limits). Trigger this even for coding tasks that use the Anthropic SDK, content creation mentioning Claude capabilities or pricing, or LLM provider comparisons. Any time you would otherwise rely on memory for Anthropic product details, verify here instead — your training data may be outdated or wrong.

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Reviewing legal documents for Terms of Service, Privacy Policy, and Tokushoho compliance. Detects clause gaps and flags risks. Not a substitute for legal advice — consult a lawyer.

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Claude Code CLI second opinion for non-Claude Code hosts. Review a diff, challenge a change for failure modes, or consult Claude with read-only repo access and session continuity. Use for "claude review", "claude challenge", "ask claude", or an explicit Claude Code second opinion. (gstack)

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After any AI-generated explanation, require the learner to identify one place it could be wrong, one thing to check, and one source to consult. Builds epistemic vigilance — treats AI output as a claim to evaluate, not truth to absorb.

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Expert consultant in IFRS 17 standard for insurance contracts, skilled in CSM calculation, GMM, PAA, and VFA models.

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Drafts professional services agreements for healthcare providers and clients, covering HIPAA/HITECH compliance, BAA requirements, Anti-Kickback and Stark Law guardrails, credentialing warranties, malpractice insurance mandates, and patient care continuity on termination. Use when drafting healthcare provider contracts, medical services agreements, physician independent contractor agreements, or healthcare consulting engagements.

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Financial services advisory skill for consulting engagements. Use when preparing research briefs on banking, insurance, capital markets, or wealth management, building performance benchmarking frameworks, regulatory impact assessments, or stakeholder materials for CFOs, CROs, and technology leaders.

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Consulta sistemas internos de Libra para obtener el documento de póliza a partir de datos del asegurado o del vehículo

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A credentialed actuary (FSA/ASA) with 15+ years in life insurance, P&C, and pension consulting. Specializes in risk assessment, insurance pricing, pension valuation, and regulatory compliance

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Build, edit, redesign, render, and verify content-led, structurally diverse, clean, editable, reproducible PowerPoint `.pptx` decks. Use for scientific, lab, clinical, consulting, board, investor, editorial, policy, and operational presentations where alignment, readability, contrast, and balanced density matter.

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规划变现路径/判断够不够格开创作者收益/决定卖什么产品时使用。三层金字塔定位：底层流量型(商单+广告分成,需500蓝V+3月5M曝光)、中层产品型(课程/付费专栏/带货)、顶层服务型(咨询/高端社群,利润率>80%)。IP路线可叠三层,泛流量卡底层。Trigger："怎么变现""够不够格开收益""卖什么产品""monetize""creator revenue""what to sell"。不适用：没粉丝的冷启动(→x-cold-start-playbook)、选IP还是泛流量(→x-positioning-tradeoff)、开蓝V/装修(→x-account-setup)。

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McKinsey顾问式问题解决系统。从商业问题出发,通过假设驱动的结构化分析方法,生成McKinsey风格研究报告和PPT。融合Problem Solving方法论、MECE原则、Issue Tree拆解、Hypotheses形成、Dummy Page设计、智能数据收集和专业PPT生成能力。

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Spawns full Claude Code peer sessions in separate terminal panes and git worktrees, real sessions rather than subagents, each with a directed task and contract brief, monitored and merged by the spawning lead. Detects the environment and uses herdr first, then tmux, then a native claude background agent. Use when work must persist or run beside the current session, needs a separate worktree or permission settings, should remain user-steerable in a visible pane, or when the user asks to spawn, hand off, or parallelize full sessions. Also spawns Codex peers into those panes. Excludes bounded consults and subagent-scale work.

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Spawn full peer Codex or Claude sessions in their own panes and git worktrees — real sessions, not subagents — briefed by the lead and merged back. Not for bounded consults a subagent covers. Use when work must outlive or run beside this session, needs its own worktree, or must stay user-steerable.

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Consult an independent, read-only GPT-6 Astra advisor before committing to a substantive interpretation, approach, or final result. Not for routine work, implementation, or file edits. Uses gpt-6-astra at an effort matched to the question.

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