「debt」の検索結果

Classify a proposed code change as Leaf Node or Core Code to decide how much AI usage and review rigor is appropriate. Use this skill whenever the user asks "is this leaf or core", "what kind of change is this", "should I vibe code this", "can AI write this", "how rigorous should the review be", or before starting any non-trivial change. Also useful as a sub-step inside other workflows (planning, PR prep, code review) when classification matters. Asks 6 diagnostic questions about propagation range, change frequency, tech-debt tolerance, examples, failure cost, and review intensity, then outputs a clear classification with the recommended approach. Trigger even when the user describes a change without explicitly asking for classification — the answer changes how they should proceed.

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Use when a task needs the judgment of a Credit Analyst — spreading financial statements and computing leverage/coverage ratios, writing a commercial credit memo, assigning or recommending an internal risk rating, structuring covenants on a term loan or revolver, or stress-testing a borrower's debt service under a downside case. Narrower than loan-officer (originates and manages the client relationship; the analyst underwrites the credit that officer brings in) and financial-risk-specialist (owns portfolio-level risk and concentration limits, not single-borrower underwriting).

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Use when a task needs the judgment of a Computer and Information Systems Manager (IT Manager/Director/CIO-adjacent) — planning IT infrastructure and systems strategy, evaluating a technology vendor or platform decision, allocating an IT budget, or managing IT risk (security, uptime, technical debt) at an organizational level. Broader than the devops-sre or software-engineer roles — this one owns IT as a business function, not a specific engineering discipline.

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Survey any codebase as a senior advisor and produce prioritized, self-contained implementation plans for OTHER models/agents to execute. Strictly read-only on source code — never implements, fixes, or refactors anything itself. Use when asked to audit a codebase, find improvement opportunities (bugs, security, performance, test coverage, tech debt, migrations, DX), suggest features or where to take the project next (roadmap, product direction), or generate handoff plans for another agent to implement.

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Audit a codebase against well-known software design principles: SOLID, DRY, YAGNI, KISS, Law of Demeter, Separation of Concerns, Composition over Inheritance, and the code-relevant 12-Factor subset. Scores findings by impact and effort, runs adversarial debate on contested violations, and generates a prioritized DESIGN_AUDIT.md. Use when reviewing code quality beyond what linters catch, assessing design health before a refactor, or onboarding to an unfamiliar codebase. Can be invoked standalone or delegated from tech-debt.

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Deep codebase cleanup — kills dead code, fixes all lint/format warnings, removes orphaned files, cleans stale TODOs, strips security hazards, tightens TypeScript strict mode, and organizes imports. Triggers: clean up, dead code, unused imports, lint, technical debt cleanup.

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Audit real estate investment software for IRR/NPV/cap rate/cash-on-cash return calculations, pro forma income modeling (GPR, vacancy, rent growth, NNN pass-throughs), equity waterfall and promote structures, debt modeling (fixed/ARM/IO/construction loans).

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Score your codebase 0-100 across complexity, coupling, cohesion, test coverage, documentation, churn hotspots, dependency health, and lint/type safety. Triggers: 'how healthy is this codebase', 'check code quality', 'score my project', 'find tech debt hotspots'.

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**WORKFLOW SKILL** — Understand before implementing. USE FOR: any task where the agent might rush to code — forces understanding WHY/WHAT FOR/FOR WHOM before defining a solution, activates planning and reasoning discipline, prevents technical debt from shallow requests. Use to validate intent, plan before coding, reason before acting, challenge assumptions, prevent premature implementation. DO NOT USE FOR: deep multi-technology analysis (use contextação), persisting decisions across tasks (use task-map).

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Router for the 106 SfSkills `architect` skill packages. Solution and platform architecture: multi-org strategy, scalability limits, licensing, Well-Architected reviews and architecture decision records. Use when the request mentions architecture, solution design, ADR, Well-Architected, scalability, large data volume, multi-org, licensing, tenant isolation, HA/DR, technical debt. Finds and opens the exact skill package to read; it does not contain the guidance itself.

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Code refactoring expert for improving code quality, reducing technical debt, and safe transformations

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Personal financial planner for Thailand-based users. Use this skill when the user asks for help with budgeting, tax planning involving Thai-specific products (SSF, RMF, Thai ESG, Thai ESGX, Easy E-Receipt), debt strategy at Thai bank rates, retirement planning involving ประกันสังคม (มาตรา 33/39/40), กบข., PVD (provident fund), or any personal-money question framed in baht and Thai life events. Strong activation phrases include "ช่วยวางแผนการเงิน", "วางแผนภาษี", "ปลดหนี้บัตรเครดิต", "ลดหย่อน RMF", "Help me with my Thai finances", "How much should I save in Thailand", "ม.33 vs ม.39", "เกษียณต้องเก็บเงินเท่าไหร่". Do NOT use for non-Thai financial contexts (US 401(k), Canadian RRSP, UK ISA, etc.) — different skills exist for those.

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AI ที่ปรึกษาจัดการหนี้ — รวมหนี้, refinance, เจรจาเจ้าหนี้, หนี้บัตรเครดิต, หนี้เสีย, แผนชำระหนี้เร็ว

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Applies safe auto-fixes for low-risk audit findings (unused imports, dead code, commented-out code). Confidence >=90% only. Creates single commit with summary.

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Automate AR workflows: aging analysis, collection prioritization, payment follow-ups, cash application, and bad debt forecasting.

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Proactive monitoring of Aave V3 borrow positions with liquidation alerts. Queries user collateral, debt, and health factor across chains (Ethereum, Polygon, Arbitrum, etc.). Sends urgent alerts to Telegram/Discord/Slack when health factor drops below configurable thresholds (critical at 1.05, warning at 1.2). Use when you need continuous monitoring of Aave positions, want alerts before liquidation risk occurs, or need periodic summaries of your borrowing health.

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Drafts motions to use cash collateral under 11 U.S.C. § 363. Use when a debtor-in-possession needs court authorization to use cash collateral, typically as a first-day pleading.

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Drafts a recordable Abstract of Judgment to create a judgment lien on a debtor's real property. Extracts party names, monetary components, and judgment details from case documents, then applies jurisdiction-specific formatting and certification requirements. Use post-judgment in commercial litigation when enforcing monetary awards, perfecting judgment liens, or preparing lien filings with the county recorder.

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Use when introducing a feature flag system, choosing between release flags / experiment flags / operational flags / kill switches / permission flags, designing percentage rollouts, building kill-switch + circuit-breaker patterns, structuring evaluation contexts (user IDs, plan tier, region), or building flag-cleanup discipline. Triggers: LaunchDarkly / GrowthBook / Unleash / Flagsmith / OpenFeature, percentage ramp, sticky bucketing, kill switch wired to alerting, "we still have flags from 2 years ago", flag debt, OpenFeature provider, evaluation context, default value on provider failure. NOT for A/B test statistical analysis (separate skill), traffic-split routing at the edge, build-time bundler defines, or environment-based config.

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Rework a change as if the intended UX and architecture had existed from day one — deleting compatibility cruft, dead branches, and accidental complexity instead of patching around them. Use when refactoring, cleaning up after a feature lands, removing flags, collapsing legacy paths, or when the user says the code "should look like X from scratch".

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Maintenance for agent-flow context. Runs /doctor, /sync-context, /audit-risk, /repair-docs, /garden, /debt and /audit-lean; re-verifies context claims against the code before refreshing timestamps; turns repeated agent mistakes into mechanical checks. Use on a schedule, after merges flagged [CONTEXT_STALE], or when asked whether AGENTS.md is stale or the risk baseline needs review.

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When shaping cadence — evergreen / campaign / reactive split, beat-mapping across channel stages, content-debt management. Triggers on 'plan our content cadence', 'what should we publish'.

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Run on an existing project to decide KEEP / MERGE / ARCHIVE — never limbo. Forces a call on tools that already exist and may have stopped earning their keep. Trigger on "is this still worth keeping", "audit this repo", "tech-debt cleanup", "sweep the folder", "what's dead here", or any signal that something hasn't been touched in months. Judged from both the agent lens (still legible, still drivable, still safe) and the human lens (do I still reach for it, does it nag). Includes a non-negotiable footgun check for stale pipelines that can overwrite live data. Outputs a backed AUDIT.md and a one-line verdict note in the project root docs. Do NOT load for greenfield projects (use new-project-gate), one-off bug fixes, or when the answer is already obvious.

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SOP for structured documentation lifecycle. Trigger when: - Designing, writing, reviewing, or auditing large-scale documentation structures. - Navigating phases: Audit, Plan, Draft, Review, Verify. - Prompt contains: /doc, doc workflow, audit, draft, review, verify, documentation debt.

日本語の概要は準備中です。原文の説明を表示しています。