1055 Claude Skills

Use when the user wants to close out a month (run end-of-month review, verify recurring entries, generate budget-vs-actual report, save to reports). Typically run on the last day of the month or 1st of next month.

Use when the user wants to reconcile their hledger journal against bank statements (current account, credit card, cash count). Reads downloaded bank CSVs, diffs against existing journal entries, identifies missing/wrong transactions, and proposes corrective entries.

Financial leadership for startups and scaling companies. Financial modeling, unit economics, fundraising strategy, cash management, and board financial packages. Use when building financial models, analyzing unit economics, planning fundraising, managing cash runway, preparing board materials, or when user mentions CFO, burn rate, runway, fundraising, unit economics, LTV, CAC, term sheets, or financial strategy.

/cs:cfo-review <plan> — Numerate-skeptic interrogation of any plan that touches money. Unit economics, runway, dilution, capital allocation. Use when a plan commits meaningful spend — e.g. a hiring wave, a fundraise decision, or a new channel budget.

Use when building a quarterly bookings forecast, ARR projection, pipeline forecast, NRR projection, or commit/best-case/pipe-only board number — especially when the CRO needs to walk the board through funnel math + cohort ARR + per-stage conversion assumptions without the theatre of a single undefended number. Decomposes pipeline into commit, best-case, and pipe-only tiers; projects cohort-level NRR/GRR to surface leaky cohorts before they show up in the consolidated number; scores per-stage funnel confidence so soft-floor stages get treated differently from high-confidence ones. Every output explicitly names the conversion rate used, the data window, and the weighting choice. For Head of Commercial, RevOps, VP Sales, and CRO at quarterly forecast or board prep. NOT financial close (see finance/financial-analysis). NOT strategic CRO hiring/territory (see c-level-advisor/cro-advisor). NOT pricing (see sibling pricing-strategist).

Financial Analyst agent for DCF valuation, financial modeling, budgeting, forecasting, and SaaS metrics (ARR, MRR, churn, CAC, LTV, NRR). Orchestrates finance skills. Spawn when users need financial analysis, valuation models, budget planning, ratio analysis, SaaS health checks, or unit economics projections.

Audit datasets for completeness, consistency, accuracy, and validity. Profile data distributions, detect anomalies and outliers, surface structural issues, and produce an actionable remediation plan. Use when the user asks to check data quality, profile a dataset, hunt outliers or missing values, or validate data before analysis or model training.

Startup CFO who builds models that survive contact with reality. Handles fundraising, unit economics, pricing, burn rate, and board reporting. Speaks fluent spreadsheet but translates to English for founders who'd rather build product. Use when a money question needs a model, not a vibe — e.g., building an 18-month runway plan with three scenarios, or pressure-testing unit economics and pricing before a fundraise. (For DCF and SaaS-metrics tooling, see cs-financial-analyst.)

Router/index for the 2 finance skills bundled in this plugin: financial-analyst (ratio analysis, DCF valuation, budget variance, rolling forecasts) and saas-metrics-coach (ARR/MRR, churn, CAC/LTV, NRR, quick ratio). Use when a finance request doesn't obviously match one skill and you need to pick the right one (e.g., 'analyze these financials', 'how healthy are my SaaS metrics').

Performs financial ratio analysis, DCF valuation, budget variance analysis, and rolling forecast construction for strategic decision-making. Use when analyzing financial statements, building valuation models, assessing budget variances, or constructing financial projections and forecasts. Also applicable when users mention financial modeling, cash flow analysis, company valuation, financial projections, or spreadsheet analysis.

Run financial ratio analysis, DCF valuation, budget variance analysis, and rolling forecasts. Usage: /financial-health <ratios|dcf|budget|forecast> <data.json>

/cs:iso27001-audit-prep <scope> — ISO 27001 ISMS audit readiness 6-question forcing interrogation. Use before annual Clause 9.2 internal audit, surveillance audit prep, or stage 1 certification readiness.

Use when managing the money for an internal R&D program or portfolio — building a multi-period program budget with the F&A (indirect) split, tracking burn rate and runway against value-inflection milestones, or routing R&D cost items to a capitalize-vs-expense determination. Every budget output surfaces its assumptions block; capitalize-vs-expense is decision-support only and routes to a named finance owner — it never books an entry or decides accounting treatment. Distinct from finance/financial-analysis (corporate DCF, close, valuation) and research/grants (funding discovery — this manages money already won).

Analyzes sales pipeline health, revenue forecasting accuracy, and go-to-market efficiency metrics for SaaS revenue optimization. Use when analyzing sales pipeline coverage, forecasting revenue, evaluating go-to-market performance, reviewing sales metrics, assessing pipeline analysis, tracking forecast accuracy with MAPE, calculating GTM efficiency, or measuring sales efficiency and unit economics for SaaS teams.

SaaS financial health advisor. Use when a user shares revenue or customer numbers, or mentions ARR, MRR, churn, LTV, CAC, NRR, or asks how their SaaS business is doing.

Cross-functional what-if modeling for cascading multi-variable scenarios. Unlike single-assumption stress testing, this models compound adversity across all business functions simultaneously. Use when facing complex risk scenarios, strategic decisions with major downside, or when the user asks 'what if X AND Y both happen?'

/cs:soc2-audit-prep <scope> — SOC 2 Type II readiness 6-question forcing interrogation. Observation-period focused. Use before Type II observation begins, mid-period checkpoint, or pre-field-test month-10 readiness.

Production-grade Stripe integrations: subscriptions with trials and proration, one-time payments, usage-based billing, checkout sessions, idempotent webhook handlers, customer portal, and invoicing. Covers Next.js, Express, and Django patterns. Use when integrating Stripe for the first time, debugging webhook reliability issues, migrating from a different payment provider, or adding usage-based billing to an existing subscription product.

Use when reviewing, scoring, or auditing third-party SaaS / vendor relationships — running a vendor scorecard with industry tuning, tracking SLA compliance with credit-claim flags, classifying third-party risk across 4 risk vectors, preparing a tier-1 vendor review, or auditing the SaaS portfolio. Forks context so large vendor catalogs (50-500 line items) and SLA logs don't pollute the parent thread. Triggers on "vendor SLA", "vendor scorecard", "third-party risk", "TPRM", "vendor review", "supplier performance", "vendor health check", "renewal review".

Audits Stripe subscription counts and status mix — active, trialing, past_due, canceled, paused. Use when the user asks "how many subscribers", "subscription count", "active subs", "trialing users", or status breakdown. For MRR dollars, see mrr-arr-snapshot.

Analyzes Stripe payment method funding types — prepaid, debit, credit, unknown — across active and past_due subscriptions. Use when the user mentions "prepaid cards", "virtual cards", "disposable cards", "debit churn", or "block card types". Pair with radar-fraud-rules for blocking rules.

Analyzes Stripe Checkout sessions — completion rate, abandonment, mode, and subscription signups. Use when the user mentions "checkout conversion", "checkout sessions", "signup funnel", or "why aren't people completing checkout".

Implements Stripe payment flows -- Checkout Sessions, Payment Element, subscription signup, and customer reuse. Use when the user wants to "add checkout", "build a payment flow", "integrate Stripe payments", "add a paywall", or "subscription signup". For conversion analysis, see checkout-conversion.

Analyzes Stripe subscription churn — cancellations, ended subs, voluntary vs involuntary signals, and period-over-period trends. Use when the user mentions "churn", "cancellations", "subs leaving", "retention", or "why are we losing subscribers". Pair with past-due-dunning for payment-driven churn.

Builds subscriber cohort retention and revenue-retention tables grouped by signup month from Stripe data. Use when the user mentions "cohort", "retention curve", "LTV curve", "how long do subscribers stay", or "retention by signup month". For overall churn, see churn-analysis.

Audits Stripe coupons and promotion codes — active discounts, redemptions, and revenue impact. Use when the user mentions "coupons", "promo codes", "discounts", or "promotion usage".

Builds a full profile for a single Stripe customer -- subscriptions, LTV, invoice history, payment health, discounts, and churn risk. Use when the user asks about "this customer", "customer detail", "look up customer", "customer LTV", or gives a customer/email/sub ID. For whole-base segments, see customer-segmentation.

Audits and recommends Stripe Customer Portal configuration — payment method updates, cancellation flow, plan changes. Use when the user mentions "customer portal", "billing portal", "update payment method", or "self-serve subscription management".

Segments the Stripe subscriber base by plan, country, card funding, tenure, or value -- with per-segment MRR and churn. Use when the user mentions "segment customers", "break down by country/plan", "who are our best customers", or "value tiers". For a single customer, see customer-360.

Reviews Stripe disputes, chargebacks, and refunds — volume, reasons, and revenue leakage. Use when the user mentions "disputes", "chargebacks", "refunds", or "fraud losses".

Audits payment-failed and dunning email flows — Stripe built-in emails vs custom webhook emails. Use when the user asks "payment failed email", "dunning emails", "billing emails setup", or "notify users when card fails".

Reconciles Stripe payouts to bank deposits and breaks down balance transactions -- gross, fees, refunds, net. Use when the user mentions "reconciliation", "payout doesn't match bank", "Stripe fees", "balance transactions", or "where did the money go". For balance snapshot only, see payout-balance-report.

Reviews Stripe invoices — paid, open, uncollectible, revenue by period, and subscription billing health. Use when the user asks about "invoices", "billing history", "uncollectible", or "collected revenue" (cash, not MRR).

Computes current MRR, ARR, and revenue breakdown from active Stripe subscriptions — by plan, interval, and currency. Use when the user asks "what is our MRR", "monthly recurring revenue", "ARR", "how much recurring revenue", or "revenue by plan". For full health check, see stripe-health-dashboard. For churn impact, see churn-analysis.

Investigates past_due and unpaid Stripe subscriptions — failed invoice attempts, MRR at risk, and dunning/retry status. Use when the user mentions "past due", "unpaid subs", "dunning", "smart retries", "grace period", or "recover failed renewals".

Audits failed Stripe payments — declined charges, PaymentIntents, invoice failures, decline codes, and failure rates. Use when the user asks "how many payments failed", "decline reasons", "card declined", or "payment failure rate".

Reports Stripe balance, available/pending funds, payouts, and cash flow. Use when the user asks "Stripe balance", "payouts", "how much money in Stripe", or "when do we get paid".

Designs Stripe pricing A/B tests, price increases, grandfathering, and elasticity analysis. Use when the user mentions "price test", "raise prices", "pricing experiment", "grandfathering", "price elasticity", or "should we change pricing". For catalog audit, see pricing-products-audit.

Maps Stripe products and prices — plans, intervals, amounts, active vs archived, and which prices appear on live subscriptions. Use when the user asks "what products do we sell", "price IDs", "pricing tiers", "plan structure", or "where does revenue go".

Designs and audits Stripe Radar fraud rules — block prepaid, 3DS, risk levels, lists, and decline patterns. Use when the user mentions "Radar", "fraud rules", "block prepaid", "3D Secure", "high risk payments", or "reduce fraud". For funding mix data, see card-funding-risk.

Projects future MRR, ARR, and revenue run-rate from current Stripe subscription trends, new-sub velocity, and churn. Use when the user asks "revenue forecast", "MRR projection", "where will we be in 6 months", "ARR run-rate", or "growth trajectory". For current MRR only, see mrr-arr-snapshot.

Explains and computes deferred revenue, recognized revenue, and MRR-vs-cash differences from Stripe data for accounting. Use when the user mentions "revenue recognition", "deferred revenue", "recognized revenue", "accrual", "MRR vs cash", or "annual plan accounting". For cash collected, see invoice-revenue-audit.

Guides Stripe Connect for marketplaces/platforms -- connected accounts, payouts to sellers, application fees, and onboarding. Use when the user mentions "Connect", "marketplace payments", "pay out to sellers/creators", "connected accounts", "application fee", or "split payments".

Full Stripe billing health check — MRR, subs, churn signals, past due, failures, disputes, and top actions. Use for "Stripe health", "billing review", "weekly revenue check", or executive snapshot. Orchestrates multiple specialist skills.

Reviews Stripe integration code for correctness -- idempotency, error handling, API version pinning, webhook signature checks, and race conditions. Use when the user asks to "review Stripe code", "audit our Stripe integration", or mentions integration bugs, double-charging, or race conditions. For security specifically, see stripe-security-audit.

Audits Stripe security posture -- API key hygiene, restricted keys, secret leakage, PCI scope, and webhook signature verification. Use when the user mentions "Stripe security", "key management", "restricted keys", "secret leak", "PCI", or "is our Stripe setup secure".

Analyzes subscription upgrades, downgrades, prorations, and plan migrations in Stripe. Use when the user mentions "upgrade", "downgrade", "plan change", "proration", or "switching tiers".

Audits Stripe Tax configuration, tax collected, nexus/registration coverage, and VAT/GST/sales-tax handling. Use when the user mentions "Stripe Tax", "sales tax", "VAT", "GST", "tax compliance", "nexus", or "am I collecting tax correctly".

Finds expansion revenue opportunities in Stripe -- add-ons, seat upgrades, plan upgrades, and net revenue retention (NRR). Use when the user mentions "expansion revenue", "upsell", "NRR", "net revenue retention", "add-ons", or "grow existing accounts". For downgrades/proration, see subscription-plan-changes.

Designs and audits usage-based/metered Stripe billing -- meters, usage records, tiered pricing, and credit burn-down. Use when the user mentions "usage-based billing", "metered billing", "pay per use", "meters", "credits", "consumption pricing", or "overage". For flat recurring, see pricing-products-audit.

Implements or fixes Stripe webhook handlers -- signature verification, event routing, idempotency, and retry-safe processing. Use when the user wants to "add a webhook handler", "handle stripe events", "fix webhook", or process specific events. For delivery health audit, see webhook-reliability.

Audits Stripe webhook delivery health — failed events, missing handlers, and idempotency risks. Use when the user mentions "webhooks", "stripe webhook failing", "subscription not syncing", or "checkout completed but no access".

Manages the full accounts payable workflow including vendor invoice intake, approval routing, payment scheduling, vendor reconciliation, AP aging tracking, and DPO optimization. Use when the user mentions paying vendor invoices, scheduling payments, managing AP aging, reconciling vendors, approving invoices for payment, or asks about accounts payable workflows and vendor payment strategies.

Manages the full accounts receivable workflow including customer invoicing, payment collection and matching, DSO calculation and trend analysis, AR aging reports, collections escalation, and bad debt reserve recommendations. Use when the user mentions invoicing customers, collecting payments, tracking DSO, AR aging analysis, collections follow-up, reconciling customer payments, or asks about accounts receivable workflows and cash collection strategies.

Prepare for financial audits — schedules, reconciliations, documentation, walkthroughs, PBC (prepared by client) lists, and finding resolution for annual financial statement audits.

Reconciles bank accounts and credit cards monthly — matches every transaction to the ledger, resolves exceptions, tracks uncleared items, and documents the process. Use when the user mentions bank reconciliation, transaction matching, reconciling accounts, GL cash balance not matching the bank, or asks about month-end reconciliation or corporate card reconciliation.

Manages banking relationships — account optimization, fee negotiation, credit facility oversight, treasury yield, and fraud prevention. Use when the user mentions banking setup, bank fees, credit facility, treasury yield, investing excess cash, opening new accounts, or asks about banking architecture, account optimization, or fraud prevention.

Prepares board meeting materials including executive summary, financial review, KPI dashboards, variance analysis, strategic commentary, and action tracking. Use when the user mentions board deck preparation, board meeting materials, financial review for the board, or asks about what to present to the board.

Creates and manages operating budgets — annual plans, quarterly refreshes, and rolling forecasts at department-level granularity, with variance tracking and budget-vs-actual analysis. Use when the user mentions "create a budget," "annual plan," "OpEx run-rate," "departmental budget," "budget vs actuals," "re-forecast," or asks about "allocating budget to departments."

Builds business cases and ROI models — NPV, IRR, payback period, and break-even analysis for new initiatives, product launches, market expansions, and capital allocation decisions. Use when the user mentions "business case," "ROI," "NPV," "should we invest in," "payback period," "build vs buy," or asks about "is this partnership worth it" or "compare these two growth initiatives."

Manage the capitalization table — track all equity holders, SAFEs and convertible notes, model dilution scenarios, and maintain a fully diluted view. Use when the user asks about updating the cap table, modeling dilution, converting SAFEs, managing the option pool, or understanding ownership percentages.

Builds and maintains a 13-week rolling cash forecast — models inflows, outflows, scenario analysis, and forecast-vs-actual accuracy tracking. Use when the user mentions cash forecast, 13-week forecast, liquidity projection, cash runway, or asks about modeling cash under different scenarios or when cash runs out.

Monitors daily cash position across all accounts, flags anomalies, tracks burn rate, and produces a daily cash snapshot. Use when the user mentions cash position, daily cash check, burn rate, bank balance, or asks about unusual transactions or cash alerts.

Routes CFO and financial operations requests to specialized sub-skills based on user intent matching, task classification, and multi-skill chain assembly. Use when the user mentions startup CFO tasks, financial operations, reporting, fundraising questions, cash management, financial planning, strategic advisory, or asks about running any CFO-related workflow.

Identify and execute cost optimization opportunities — vendor renegotiation, tool consolidation, process automation, efficiency improvements, and structural cost reduction for startup efficiency.

Build and maintain the investor data room — organize financials, metrics, legal docs, contracts, and customer references for fundraising due diligence. Use when the user asks about setting up a data room, organizing documents for due diligence, or preparing for an investor audit.

Generates the three core financial statements — P&L (income statement), balance sheet, and cash flow statement — with proper formatting, classifications, and period-over-period comparisons. Use when the user mentions financial statement generation, producing a P&L, creating a balance sheet, formatting a cash flow statement, or asks about consolidated financials.

Tracks forecast accuracy over time — measures forecast vs actuals, identifies systematic biases, improves forecasting processes, and builds a culture of accountability. Use when the user mentions "forecast accuracy," "forecast vs actuals," "why were we off," "improve forecasting," "forecast bias," "MAPE," or asks about "how accurate were our forecasts" or "what's our forecast track record."

Build the financial models and narratives for fundraising — 3-statement projections, SaaS metrics, use of funds, valuation analysis, and investor Q&A prep. Use when the user asks about building a fundraising model, creating pitch deck numbers, modeling use of funds, valuation targets, or preparing for investor Q&A.

Plan and manage the end-to-end fundraising process — timeline, target list, outreach sequencing, pipeline tracking, round structure, and close coordination. Use when the user asks about planning a fundraise, building an investor target list, tracking a fundraising pipeline, or sequencing investor outreach.

Guide headcount planning and compensation strategy — hiring prioritization, compensation benchmarking, burn impact modeling, equity grant frameworks, and hiring ROI analysis for strategic talent investment.

Design and maintain internal controls — segregation of duties, approval matrices, process documentation, audit trails, and a startup-appropriate control environment to prevent fraud and errors.

Manage investor communications — monthly/quarterly updates, board meeting preparation, investor portals, ad-hoc requests, and relationship nurturing. Use when the user asks about drafting an investor update, preparing for a board meeting, responding to investor questions, or managing investor communications.

Maintain the general ledger — chart of accounts design, journal entries, month-end adjustments, account reconciliations, and trial balance production.

Runs the full month-end close process end-to-end, including revenue recognition, accruals, reconciliations, journal entries, and the financial close checklist. Use when the user mentions month-end close, closing the books, revenue recognition, posting month-end accruals, or asks about running the close checklist.

Run payroll end-to-end — gross-to-net calculations, tax withholding, benefits deductions, contractor payments, and compliance filings.

Advise on pricing strategy — competitive analysis, willingness-to-pay research, tier design, price increase modeling, discount frameworks, and packaging optimization for startup monetization.

Analyze profitability by dimension — product line, customer segment, channel, geography, cohort — identifying profit drivers and margin improvement opportunities for strategic decision-making.

Builds revenue forecasts — cohort-based, pipeline-driven, or SaaS metric-driven models with top-down and bottom-up approaches, growth scenarios, and revenue composition analysis. Use when the user mentions "revenue forecast," "model revenue growth," "forecast ARR," "project pipeline revenue," "growth rate," or asks about "expansion revenue vs new logo revenue."

Identify, assess, and manage financial and operational risks — concentration risk, compliance risk, market risk, operational risk, and insurance coverage recommendations for startup resilience.

Runs multi-scenario financial planning — best/base/worst case, sensitivity analysis, trigger events, and contingency planning for startup financial resilience. Use when the user mentions "scenario planning," "best case worst case," "sensitivity analysis," "what if revenue drops," "contingency plan," or asks about "how much runway each scenario gives us."

Model strategic initiatives and expansion scenarios — market entry, partnerships, M&A, new product lines, platform plays — building financial projections and strategic rationale for major company moves.

Track, analyze, and optimize all SaaS subscriptions — renewals, usage analysis, cost optimization, vendor consolidation, and cancellation workflows.

Manage the full tax compliance lifecycle — calendar management, federal and state filings, payroll taxes, sales tax, corporate income tax, R&D credits, and multi-state nexus tracking.

Analyze and compare term sheets — valuation, liquidation preferences, anti-dilution, board composition, protective provisions, and option pool dynamics. Use when the user asks about analyzing a term sheet, comparing term sheets, understanding liquidation preferences, modeling exit outcomes, or evaluating board and control provisions.

Processes daily financial transactions including invoices, expenses, receipts, credit card charges, and reimbursements with proper categorization, duplicate detection, anomaly flagging, and general ledger posting preparation. Use when the user mentions processing transactions, categorizing expenses, entering receipts into the books, uploading CSV exports from Stripe or QuickBooks, or asks about transaction reconciliation and bookkeeping automation.

Analyzes startup unit economics — CAC, LTV, payback period, contribution margin by segment, cohort profitability, and efficiency metrics. Use when the user mentions "CAC," "LTV / CAC ratio," "payback period," "unit economics," "customer profitability," or asks about "which customer segments are most profitable" or "are we making money on each customer."

Optimizes working capital — improves DPO, accelerates collections, manages inventory, and negotiates payment terms to maximize cash efficiency. Use when the user mentions working capital, cash conversion cycle, DPO, DSO, or asks about improving payment terms, accelerating collections, or optimizing cash tied up in operations.

Automate Google Drive file operations (upload, download, search, share, organize) via Rube MCP (Composio). Upload/download files, manage folders, share with permissions, and search across drives programmatically.

Upload files directly to Google Drive via a deployed Google Apps Script web app. Trigger on: upload to Drive, save to Drive, send to Drive, put this in Drive. Also Hebrew: "תעלה לדרייב", "שמור בדרייב", "העלה לגוגל דרייב". Use proactively when a workflow produces a file the user might want in Drive.

Automatically organizes invoices and receipts for tax preparation by reading messy files, extracting key information, renaming them consistently, and sorting them into logical folders. Turns hours of manual bookkeeping into minutes of automated organization.

Automate OneDrive file management, search, uploads, downloads, sharing, permissions, and folder operations via Rube MCP (Composio). Always search tools first for current schemas.

Automate Stripe tasks via Rube MCP (Composio): customers, charges, subscriptions, invoices, products, refunds. Always search tools first for current schemas.

Automate Zoho CRM tasks via Rube MCP (Composio): create/update records, search contacts, manage leads, and convert leads. Always search tools first for current schemas.

Analyses accounts receivable from Xero, QuickBooks Online, or a CSV export. Produces aged receivables, DSO and payment behaviour, late fee and interest schedules, customer statements, a ranked collection call sheet, and fact-checked briefs for chase emails. Every figure is computed by a bundled script, never by the model, and every output states its source, control totals, and exceptions. Use when the request mentions accounts receivable, aged receivables, AR ageing, debtors, overdue invoices, chasing or dunning customers, collections, DSO, days sales outstanding, late payment fees or interest, customer statements, or who to chase today.

Use when the user needs to find, organize, categorize, or export receipts and business expenses from email — Gmail, Outlook, or any inbox. Triggers on "find my receipts", "build expense report", "categorize my purchases", "track business expenses", "I need receipts for tax", "search for Uber/AWS/Amazon receipts", "build a 1099 / Schedule C summary", "what did I spend on [category]". Also triggers when user mentions tax prep, audit prep, or quarterly expense review.

Use when the user wants to reconcile PayPal, Stripe, Square, or any payment processor (PSP) against bank deposits or accounting records. Triggers on phrases like "Stripe payout doesn't match the bank", "PayPal balance is off", "reconcile my Stripe", "match payouts to invoices", "where did the missing $X go", or "Stripe fees aren't showing up right". Also triggers when reviewing PSP statements, finding refunds/chargebacks, or before month-end close for any business taking online payments.

Use when the user mentions closing the books, month-end, month end close, monthly close, MEC, reconciling QuickBooks, finalizing financials, closing QBO, or asks "what do I need to do to close last month" / "help me close November" / "QuickBooks balance doesn't match the bank". Also triggers on bookkeeping cleanup, finding missing transactions, or reviewing P&L before month close.

When the user wants to use machine learning to detect fraud, errors, or unusual patterns in high-volume financial data. Also use when the user mentions "ML fraud detection," "unsupervised learning for audit," "isolation forest," "autoencoders for finance," "unusual transaction clusters," or "automated expense auditing."

When the user wants to calculate Asset Retirement Obligations (ARO) for long-lived assets. Also use when the user mentions "decommissioning costs," "restoration liabilities," "reclamation accounting," "accretion expense," or "present value of cleanup costs."

When the user wants to perform an internal audit, review controls, or prepare for an external financial audit. Also use when the user mentions "internal controls," "compliance check," "preparing for audit," "Sox compliance," "audit readiness," "checking for gaps," or "inventory audit." Use this for both operational and financial audits.

When the user wants to match disparate financial data sources (e.g., bank statements vs. general ledger) at scale using AI. Also use when the user mentions "bank rec," "matching invoices," "reconciling payments," "fuzzy matching in finance," or "automated accounting."

When the user wants to analyze bank capital adequacy or regulatory compliance (Basel III). Also use when the user mentions "Common Equity Tier 1 (CET1)," "RWA," "Risk-Weighted Assets," "liquidity coverage ratio," "leverage ratio," or "bank stress testing."

When the user wants to create a budget, forecast future performance, or perform variance analysis. Also use when the user mentions "financial projections," "2025 planning," "burn rate forecast," "revenue modeling," "budget vs actual," "planning for next year," or "financial roadmap." Use this for operational planning and strategic forecasting.

When the user wants to plan, sequence, or track the month-end or year-end close process. Also use when the user mentions "close calendar," "close checklist," "WD1/WD2 tasks," "close bottleneck," "fast close," "soft close," or "books not closed yet."

When the user wants to value a mature company using DCF, trading comparables, or precedent transactions. Also use when the user mentions "intrinsic value," "DCF model," "terminal value," "EV/EBITDA multiple," "comps analysis," "football field," "enterprise to equity bridge," or "fairness opinion."

When the user wants to consolidate the financial results of multiple legal entities into a single set of statements. Also use when the user mentions "intercompany eliminations," "minority interest," "NCI calculation," "equity method," "business combinations," or "IFRS 10 / ASC 810."

When the user wants to assess a borrower's creditworthiness, debt capacity, or covenant compliance. Also use when the user mentions "credit memo," "debt service coverage," "leverage ratio," "covenant headroom," "5 Cs of credit," "credit rating," "loan underwriting," or "can they repay."

When the user wants to account for digital assets (Cryptocurrency, NFTs) in financial statements. Also use when the user mentions "stablecoin reconciliation," "crypto impairment," "digital asset classification," "accounting for Bitcoin," or "gas fee accounting."

When the user wants cost-volume-profit analysis, breakeven points, or operating leverage assessment. Also use when the user mentions "breakeven," "contribution margin," "margin of safety," "operating leverage," "how many units to be profitable," "target profit volume," or "should we accept this order below full cost."

When the user wants to pay off debt, compare the avalanche vs. snowball strategy, model a payoff timeline, calculate total interest paid, or find the fastest way out of debt. Also use when the user mentions "credit card debt," "student loans," "debt free," "minimum payments," "how long to pay off," or "which debt first."

When the user wants to reorganize an entity's outstanding obligations to restore solvency. Also use when the user mentions "insolvency," "Chapter 11 prep," "creditor negotiations," "debt-for-equity swap," "haircut calculations," or "renegotiating loans."

When the user wants to compute or review deferred tax under IAS 12 or ASC 740. Also use when the user mentions "temporary differences," "deferred tax asset," "DTA recognition," "tax base," "effective tax rate reconciliation," "valuation allowance," "tax provision," or "unused tax losses."

When the user wants to track the financial progress of a large project. Also use when the user mentions "EVM," "Cost Performance Index (CPI)," "Schedule Performance Index (SPI)," "Estimated at Completion (EAC)," or "project financial audit."

When the user wants to calculate Expected Credit Losses (ECL) under IFRS 9 or CECL (ASC 326). Also use when the user mentions "loan loss provisions," "probability of default," "PD/LGD/EAD," "impairment of financial assets," or "credit risk modeling."

When the user wants to prepare, audit, or analyze Environmental, Social, and Governance (ESG) reports. Also use when the user mentions "sustainability reporting," "carbon footprint audit," "governance transparency," "SASB standards," "TCFD alignment," or "non-financial disclosure."

When the user wants to perform a deep dive into a company's financial performance. Also use when the user mentions "10-K review," "quarterly earnings," "profitability audit," "ratio analysis," "balance sheet health," "cash flow analysis," "EBITDA margin," "financial statement audit," "how is this company doing," or "analyze these financials." Use this even if the user just says "look at these numbers" — start with a structured analysis.

When the user wants to account for property, plant and equipment or intangibles — capitalization, depreciation, disposals, impairment, or the fixed asset register. Also use when the user mentions "capitalize vs expense," "useful life," "componentization," "asset disposal," "impairment test," "CIP/WIP transfer," or "fixed asset rollforward."

When the user wants to investigate financial discrepancies, fraud, or hidden assets. Also use when the user mentions "suspicious transactions," "missing funds," "embezzlement check," "laundering detection," "shell company audit," "whistleblower claims," or "something doesn't add up." Use this for litigation support or high-stakes internal investigations.

When the user wants to calculate insurance loss reserves or analyze insurance financial health. Also use when the user mentions "IBNR," "loss development triangles," "actuarial reserving," "claims reserves," "combined ratio," or "loss ratio."

When the user wants to manage intercompany transactions, balances, eliminations, or settlement. Also use when the user mentions "intercompany mismatch," "IC reconciliation," "transfer pricing entries," "intercompany loans," "netting," "due to/due from," or "elimination entries."

When the user wants to value inventory, choose or apply costing methods, or handle write-downs. Also use when the user mentions "FIFO," "weighted average cost," "standard cost," "NRV," "lower of cost and NRV," "inventory write-down," "obsolescence provision," "absorption of overheads into inventory," or "cycle count adjustments."

When the user wants to evaluate the potential profitability and viability of an investment opportunity. Also use when the user mentions "stock valuation," "DCF model," "NPV calculation," "IRR analysis," "buy or sell," "investment thesis," "margin of safety," or "equity research." Use this for stocks, real estate, and private equity.

When the user wants to prepare, review, or document a journal entry with proper debits, credits, and support. Also use when the user mentions "book an accrual," "post a JE," "adjusting entry," "prepaid amortization," "payroll entry," "reclass," or "reversing entry."

When the user wants to model a Leveraged Buyout (LBO) for private equity analysis. Also use when the user mentions "private equity model," "debt capacity analysis," "exit IRR," "MOIC calculation," "sources and uses," or "entry multiple."

When the user wants to account for leases under IFRS 16 or ASC 842. Also use when the user mentions "right-of-use asset," "lease liability," "incremental borrowing rate," "lease modification," "operating vs finance lease," "lease term," or "embedded lease."

When the user wants to calculate their net worth, track assets and liabilities over time, measure financial progress, analyse asset allocation, or set a net worth milestone. Also use when the user mentions "what am I worth," "assets vs debts," "balance sheet," "financial snapshot," or "am I building wealth."

When the user wants to analyze earnings call transcripts or financial news for sentiment shifts. Also use when the user mentions "analyzing earnings calls," "management tone," "sentiment score," "Q&A analysis," "detecting bullishness," or "transcripts NLP."

When the user wants to value oil and gas reserves or perform upstream financial analysis. Also use when the user mentions "PV-10," "proven reserves (1P)," "probable reserves (2P)," "lifting costs," "decline curve analysis," or "upstream valuation."

When the user wants to create a personal budget, track income vs. expenses, apply the 50/30/20 rule, build a zero-based budget, improve their savings rate, or understand where their money is going. Also use when the user mentions "I'm overspending," "I can't save money," "monthly budget," "budget categories," or "living paycheck to paycheck."

When the user wants to predict future cash consumption and "Runway" using time-series AI models. Also use when the user mentions "startup runway," "predicting cash out," "future burn rate," "Prophet for finance," "LSTM cash forecasting," or "when will we run out of money."

When the user wants to break down revenue and costs by specific products, services, or segments. Also use when the user mentions "unit economics," "product-line P&L," "contribution margin," "SKU profitability," "segment reporting," or "cost allocation."

When the user wants to plan for retirement, calculate how much to save, project a retirement nest egg, determine a safe withdrawal amount, or figure out whether they are on track. Also use when the user mentions "401k," "pension," "retirement age," "how much do I need to retire," "compound interest," "FIRE," or "retire early."

When the user wants to apply complex revenue recognition rules (IFRS 15 / ASC 606). Also use when the user mentions "deferred revenue," "performance obligations," "contract assets," "multi-element arrangements," "SaaS revenue rules," or "unearned revenue."

When the user wants to identify, quantify, and mitigate financial risks. Also use when the user mentions "market volatility," "credit risk," "liquidity gap," "stress testing," "Value at Risk," "VaR," "black swan events," or "what if the market crashes." Use this for portfolio management and enterprise risk.

When the user wants to plan or execute SOX 404 control testing, select audit samples, build testing workpapers, or classify control deficiencies. Also use when the user mentions "SOX testing," "ICFR," "key controls," "sample selection," "test of design," "test of operating effectiveness," "significant deficiency," or "material weakness."

When the user wants to value an early-stage company that may have little or no revenue. Also use when the user mentions "pre-seed valuation," "Berkus method," "VC method," "scorecard valuation," "valuing a startup," or "dilution modeling."

When the user wants to generate a set of financial statements (Balance Sheet, Income Statement, Cash Flow) from a trial balance. Also use when the user mentions "closing the books," "preparing financials," "producing P&L," "generating balance sheet," or "year-end reporting."

When the user wants to invest in a tax-efficient way, maximise contributions to tax-advantaged accounts, understand the tax drag on investment returns, compare traditional vs. Roth accounts, or determine the optimal account to hold specific asset classes. Also use when the user mentions "401k vs Roth," "ISA allowance," "tax on investments," "asset location," "tax-loss harvesting," or "after-tax returns."

When the user wants to optimize tax liability or ensure tax compliance. Also use when the user mentions "tax strategy," "lowering taxes," "tax credits," "deductions," "filing prep," "corporate tax," "VAT audit," or "capital gains planning." Use this for both individual and corporate tax.

When the user wants to build an integrated financial model linking income statement, balance sheet, and cash flow. Also use when the user mentions "3-statement model," "integrated model," "balance sheet doesn't balance," "circular reference," "revolver plug," "model drivers," or "financial projections."

When the user wants to manage corporate liquidity, investments, or financial risks like FX and interest rates. Also use when the user mentions "cash positioning," "foreign exchange risk," "interest rate hedging," "corporate investment policy," "liquidity planning," or "managing bank relationships."

When the user wants to analyze the difference between actual and standard costs in manufacturing. Also use when the user mentions "material price variance," "labor efficiency," "overhead variance," "standard costing," or "production audit."

When the user wants to evaluate or structure debt for high-growth, venture-backed startups. Also use when the user mentions "startup loan," "warrants," "venture lending," "debt covenants for tech," "non-dilutive funding," or "growth capital debt."

When the user wants to calculate the Weighted Average Cost of Capital (WACC) for valuation or capital budgeting. Also use when the user mentions "cost of equity," "cost of debt," "CAPM," "beta unlevering," "risk-free rate," or "equity risk premium."

When the user wants to analyze or optimize working capital — receivables, payables, inventory, and the cash conversion cycle. Also use when the user mentions "DSO," "DPO," "DIO," "cash conversion cycle," "cash tied up," "AR aging," "payment terms," "working capital peg," or "free up cash."

Write Tally Definition Language (TDL) code for TallyPrime. Use when the user wants to create TDL reports, forms, menus, fields, collections, integrations, or any TallyPrime customization. Triggers on phrases like "write TDL", "create a Tally report", "TallyPrime customization", "add menu to Tally", or any Tally development request.

Categorize transactions, reconcile, flag anomalies, and produce a monthly close + Profit & Loss from any bank/processor CSV export. Use when the user wants to do their books, run a monthly close, categorize expenses, build a P&L, clean up transactions, or prep for tax season. Always review-first — a human approves every entry; nothing is filed.

Use when working with the Zoho Books v3 API — OAuth lifecycle, idempotent posting, banking-module gotchas (categorize/match, cross-currency transfers, unmatch-before-delete), rate-limit discipline. Triggers on requests like "post a journal to Zoho", "categorize this bank inbox item", "set up Zoho Books auth", or any code touching `zohoapis.com/books/v3`.

Inspect the shared Ops Ledger — what's awaiting owner, what was handled autonomously, what claude-ops or Perplexity did in the last 24h. Always the single source of truth between the two systems.

Multi-provider AI account manager (Claude, Grok/xAI, OpenAI/Codex, Factory, Cursor). Status, setup, switch, refresh, reauth, util, and the CLIProxyAPI pool. Canonical replacement for /ops:rotate and /ops:rotate-setup (those remain aliases).

Read-only AWS account hygiene audit — security baseline, unused/orphaned resources, and cost optimization across all configured regions. Produces severity-ranked findings (CRITICAL→LOW) plus a machine-readable findings.json. Cleanup actions are always human-gated, never automatic. Use for cost reviews, security sweeps, recurring account hygiene, or "audit my AWS".

Run month-end, quarter-end, or year-end close as a resumable, ledger-driven process - a durable progress ledger that survives context loss, dependency-aware task ordering, evidence captured per task, and postings staged for human approval rather than executed. Use when starting, resuming, monitoring, or designing a close. Trigger on "close", "month-end", "start the close", "where are we in close", "close checklist", "close calendar", "resume the close", "day 3 of close", or any request to coordinate multi-step period-end work.

Survive context compaction during long finance work - checkpoint state to disk before it can be lost, detect that a compaction has already happened, and recover without silently re-deriving a different number. Use before any long-running reconciliation, multi-account flux, large model audit, or multi-day close, and immediately whenever you suspect the conversation has been summarized. Trigger on "compact", "autocompaction", "context limit", "long session", "where was I", "did I already check", "resume", "continue where we left off", or any task that will iterate over many accounts, files, or periods.

Validate a dataset at the boundary before anything downstream consumes it - control totals, row counts, duplicate keys, referential integrity, period completeness, null and sign sanity, and drift against the prior run. Blocks the pipeline on failure rather than passing bad data forward. Use on every extract, load, or handoff between systems. Trigger on "data quality", "validate the extract", "check the data", "the numbers look wrong", "bad data", "did the load work", "DQ check", "sanity check the file".

Build financial dashboards and reporting artifacts backed by BigQuery, Google Sheets, or a warehouse extract - in two tiers, an as-of snapshot by default and a live connector mode when the organization exposes one. Carries the finance visualization conventions - ARR and cash bridges, cohort heatmaps, actual-vs-budget variance bands, sign conventions, benchmark bands, suppression rules. Use when building any chart, dashboard, board visual, or data-backed page for financial data. Trigger on "dashboard", "build a chart", "visualize", "live artifact", "board visual", "waterfall", "bridge chart", "cohort chart", "financial dashboard", "make it live".

The non-negotiable operating rails for any finance automation - the human-approval boundary on irreversible actions, single-writer-per-zone, as-of pinning, materiality thresholds, PII and credential deny lists, and the immutable run log. Load this before automating anything that touches a ledger, a reconciliation, a filing, a board deliverable, or customer/employee financial data. Every other closeloop skill defers to this one. Trigger on "automate", "post", "submit", "publish the numbers", "send the pack", "can Claude just do X", or any request that would change a system of record.

Adversarial multi-perspective review of a number, model, automation, or deliverable before a human relies on it - independent reviewers each trying to break it from a different angle, then a ruling. Degrades across three tiers so it works on a fully-featured harness or a locked-down Enterprise seat. Use as the review gate before anything is reported, staged for posting, sent, or published. Trigger on "review this", "check my work", "before I send this", "second opinion", "is this defensible", "stress test", "quorum", "what could be wrong here".

Variance and flux analysis with driver decomposition - month-over-month, quarter-over-quarter, year-over-year, and actual-vs-budget/forecast - producing commentary that cites the specific transactions and drivers behind each swing rather than restating the arithmetic. Use for close review, board prep, budget-vs-actual reviews, and any "why did this move" question. Trigger on "flux", "variance", "why did X change", "budget vs actual", "BvA", "explain the movement", "MoM", "QoQ", "bridge", "walk me from X to Y".

Audit a spreadsheet or financial model for correctness defects - hardcoded constants inside formula rows, inconsistent formulas across a row, broken references, circular dependencies, sign-convention violations, unprotected inputs, and error values. Runs deterministic mechanical checks first via openpyxl, then reasoned review of what the machine cannot see. Use before trusting, inheriting, shipping, or building on any workbook. Trigger on "audit this model", "check this spreadsheet", "review the model", "is this model right", "inherited a workbook", "formula errors", "model integrity", "xlsx review".

Work with NetSuite as a finance data source and system of record - SuiteQL and saved-search extraction, period/subsidiary/book structure, the transaction and account model, journal entry staging (never posting), revenue and deferred schedules, and warehouse replication patterns. Use when pulling data from NetSuite, reconciling to it, preparing entries for it, or debugging why a NetSuite figure disagrees with a report. Trigger on "NetSuite", "SuiteQL", "saved search", "NetSuite extract", "post a JE", "subsidiary", "accounting period", "why doesn't NetSuite match".

Publish finance runbooks, close documentation, metric definitions, and change records into Notion under a stable single-writer zone contract, so automated updates never destroy human edits. Use when documenting a process, publishing a runbook, mirroring a close summary, or maintaining a definitions page that both people and automations touch. Trigger on "Notion", "publish the runbook", "document this process", "update the wiki", "close documentation", "metric definitions page".

Change management for finance automations that an auditor can read - what changed, who approved it, what evidence exists, how to roll it back, and the run log that proves it. Covers threshold changes, gate overrides, new automations, decommissioning, and stakeholder rollout. Use before changing any automation that produces a reported number, and whenever a data-quality BLOCK is overridden. Trigger on "change the pipeline", "update the automation", "override the gate", "adjust the threshold", "deploy the change", "SOX", "audit trail", "who approved", "roll out to the team".

Build and run account reconciliations - bank, AR/AP subledger to GL, deferred revenue, prepaid and accrual schedules, intercompany, and clearing accounts. Covers matching rules, tolerance bands, exception triage, roll-forward proof, and the aging of unresolved items. Use when reconciling any account, designing a recurring rec, or investigating why a rec does not clear. Trigger on "reconcile", "reconciliation", "rec", "doesn't tie", "subledger to GL", "bank rec", "clearing account", "unreconciled items", "roll forward".

Canonical SaaS metric definitions, stage-aware benchmarks, and the ARR-to-GL-revenue reconciliation that dashboards silently get wrong. Covers ARR/MRR and the ARR bridge, NRR and GRR, logo vs revenue churn, CAC payback, LTV:CAC, magic number, Rule of 40, burn multiple, runway, and cohort retention. Use when defining, computing, reviewing, or reporting any SaaS operating metric. Trigger on "ARR", "MRR", "NRR", "GRR", "churn", "CAC", "LTV", "magic number", "Rule of 40", "burn multiple", "runway", "cohort", "SaaS metrics", "why doesn't ARR match revenue".

Treat Google Sheets (or Excel) as a real finance interface rather than a dumping ground - schema pinning, single-writer-per-range zone contracts, never overwriting human-entered cells, versioned snapshots, and safe pull/push patterns. Use when reading from or writing to a spreadsheet that humans also edit. Trigger on "Google Sheets", "push to the sheet", "update the tab", "read the spreadsheet", "the sheet broke", "someone overwrote", "sync to sheets", "export to Excel".

Assemble board, investor-update, and exec reporting packs for an early-stage or growth-stage SaaS company - the narrative arc a board actually reads, cash and runway framing, the metric set by stage, cohort and bridge storytelling, and how to present a miss. Use when building a board deck, monthly investor update, exec review pack, or QBR. Trigger on "board pack", "board deck", "investor update", "board meeting", "exec review", "QBR", "monthly reporting package", "what do I show the board".

Balance sheet, income statement, and cash flow statement integrity - the balance check, indirect cash flow tie to balance-sheet deltas, retained-earnings roll-forward, working-capital linkages, and the standard breakpoints where a three-statement model or a reported set of financials stops articulating. Use when building, reviewing, or debugging financial statements or a three-statement model, and whenever the statements must foot before anything downstream uses them. Trigger on "balance sheet", "income statement", "P&L", "cash flow statement", "doesn't balance", "three-statement", "statements don't tie", "retained earnings", "working capital".

Prove a number end-to-end before anyone relies on it - source, transformation, control total, agreement to the general ledger or an external statement, with variance measured against a stated threshold. Use whenever a figure will be shown to a human, published, sent, or used for a decision, and whenever a query, extract, script, or model "ran successfully". Running is not proving. Trigger on "tie out", "does this number tie", "reconcile to GL", "check the numbers", "is this right", "verify the report", or before any deliverable leaves your hands.

Cost and context discipline for running Claude Code on a managed Enterprise or Team seat - model routing under policy restrictions, cache-TTL discipline, context hygiene, subagent isolation, MCP tool-bloat trimming, and the data-tier hierarchy that keeps large financial extracts out of context entirely. Use when work is slow, expensive, hitting limits, or about to process a large dataset. Trigger on "token", "context", "expensive", "hitting limits", "usage limit", "slow", "compact", "too many tokens", "cost", "optimize the session", "large extract".

Measure actual Claude Code usage from local session data and report concrete numbers - largest token sinks, which tools and files dominate, session and message counts, MCP overhead, and the specific changes that would cut the most. Produces measurements, never generic efficiency advice. Use before optimizing anything, when hitting usage limits, or to find out where the cost actually goes. Trigger on "token audit", "where are my tokens going", "usage audit", "why am I hitting limits", "measure my usage", "what's expensive", "/token-audit".

Write and run finance queries against BigQuery or Snowflake with point-in-time correctness, close-cutoff and timezone discipline, slowly-changing-dimension handling, cost-aware execution (dry-run byte estimates, partition pruning), and reproducible query artifacts. Use for any warehouse query whose result will become a reported number. Trigger on "BigQuery", "Snowflake", "SQL", "query the warehouse", "pull the data", "bq", "snowsql", "dbt", "why is this query slow", "why did the number change".

Build an annual operating budget / plan - revenue, headcount, opex, and cash - from drivers, with monthly phasing. Use for annual planning, departmental budgets, or a board plan.

Value a company by comparable companies / trading multiples (and precedent transactions) - select peers, compute multiples, and apply to the target. Use for relative valuation alongside a DCF.

Assess creditworthiness - leverage, coverage, liquidity, cash flow durability, and debt structure - for a lender/bondholder view. Use when evaluating debt, covenants, or default risk.

Build a discounted cash flow valuation - project free cash flow, discount at WACC, add terminal value, and run sensitivity. Use when estimating intrinsic value. Output is an estimate, not a fact.

Analyze an earnings report / call - results vs. expectations, guidance, drivers, and management tone - into a concise recap. Use after a company reports or to prep for one.

Structure an equity research note - thesis, business, financials, valuation, risks, and a rating - with required disclaimers/disclosures. Use when writing a research report or investment thesis.

Structure an integrated 3-statement financial model - drivers, income statement, balance sheet, cash flow, and the links between them - with assumptions and checks. Use when building or reviewing a model.

Analyze the income statement, balance sheet, and cash flow statement together - trends, quality, and what they reveal about the business. Use when reviewing a company's financials or a 10-K/10-Q.

Build a financial forecast (revenue, P&L, cash) from drivers and assumptions, with a clear method and ranges. Use when projecting performance for planning, valuation, or fundraising.

Write an investment memo / IC memo - thesis, business, market, financials, valuation, returns, risks, and recommendation - with disclaimers. Use for an investment decision (deal, equity, project).

Define the financial + operating KPIs that matter for a business and structure a dashboard - metric, definition, formula, target, and trend. Use when building reporting or a board/management dashboard.

Compute and interpret financial ratios - liquidity, profitability, leverage, efficiency, and valuation - with trends and peer context. Use when assessing financial health or comparing to peers.

Identify, quantify, and prioritize the financial and business risks of an investment, company, or plan - with likelihood, impact, and mitigants. Use to stress a thesis or build a risk section.

Build scenario and sensitivity analysis - bull/base/bear cases and sensitivity tables on key drivers. Use to stress-test a model, valuation, or forecast and show the range of outcomes.

Run budget-vs-actual / forecast-vs-actual variance analysis (FP&A) - compute variances, find drivers, and recommend actions. Use for monthly/quarterly close, business reviews, or reforecasts.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Argentina. Trigger phrases include "Argentina tax", "Argentina VAT", "Argentina payroll", "tax in Argentina", "Argentina accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Australia. Trigger phrases include "Australia tax", "Australia VAT", "Australia payroll", "tax in Australia", "Australia accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 13 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Belgium. Trigger phrases include "Belgium tax", "Belgium VAT", "Belgium payroll", "tax in Belgium", "Belgium accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 6 verified skill(s) for this scope.

Use this skill whenever the user asks about bookkeeping & financial statements across jurisdictions. Trigger phrases include "bookkeeping", "chart of accounts", "financial statements", "IFRS", "reconciliation". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 13 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Brazil. Trigger phrases include "Brazil tax", "Brazil VAT", "Brazil payroll", "tax in Brazil", "Brazil accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 11 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Canada. Trigger phrases include "Canada tax", "Canada VAT", "Canada payroll", "tax in Canada", "Canada accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 12 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in China. Trigger phrases include "China tax", "China VAT", "China payroll", "tax in China", "China accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 10 verified skill(s) for this scope.

Use this skill whenever the user asks about company formation across jurisdictions. Trigger phrases include "incorporation", "LLC", "S-corp", "C-corp", "LTD", "entity choice", "formation". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 13 verified skill(s) for this scope.

Use this skill whenever the user asks about cross-border & international tax across jurisdictions. Trigger phrases include "cross-border", "treaty", "GILTI", "Pillar Two", "DAC6", "FATCA", "CRS", "CBAM". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 27 verified skill(s) for this scope.

Use this skill whenever the user asks about crypto tax across jurisdictions. Trigger phrases include "crypto", "bitcoin", "ethereum", "nft", "staking", "defi", "digital asset". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 15 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Germany. Trigger phrases include "Germany tax", "Germany VAT", "Germany payroll", "tax in Germany", "Germany accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 17 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Spain. Trigger phrases include "Spain tax", "Spain VAT", "Spain payroll", "tax in Spain", "Spain accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 16 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Finland. Trigger phrases include "Finland tax", "Finland VAT", "Finland payroll", "tax in Finland", "Finland accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in France. Trigger phrases include "France tax", "France VAT", "France payroll", "tax in France", "France accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 17 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in United Kingdom. Trigger phrases include "United Kingdom tax", "United Kingdom VAT", "United Kingdom payroll", "tax in United Kingdom", "United Kingdom accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 18 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Indonesia. Trigger phrases include "Indonesia tax", "Indonesia VAT", "Indonesia payroll", "tax in Indonesia", "Indonesia accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 12 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Ireland. Trigger phrases include "Ireland tax", "Ireland VAT", "Ireland payroll", "tax in Ireland", "Ireland accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 13 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Israel. Trigger phrases include "Israel tax", "Israel VAT", "Israel payroll", "tax in Israel", "Israel accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 8 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in India. Trigger phrases include "India tax", "India VAT", "India payroll", "tax in India", "India accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 12 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Italy. Trigger phrases include "Italy tax", "Italy VAT", "Italy payroll", "tax in Italy", "Italy accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 11 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Japan. Trigger phrases include "Japan tax", "Japan VAT", "Japan payroll", "tax in Japan", "Japan accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 15 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in South Korea. Trigger phrases include "South Korea tax", "South Korea VAT", "South Korea payroll", "tax in South Korea", "South Korea accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Malta. Trigger phrases include "Malta tax", "Malta VAT", "Malta payroll", "tax in Malta", "Malta accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 11 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Mexico. Trigger phrases include "Mexico tax", "Mexico VAT", "Mexico payroll", "tax in Mexico", "Mexico accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 8 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Malaysia. Trigger phrases include "Malaysia tax", "Malaysia VAT", "Malaysia payroll", "tax in Malaysia", "Malaysia accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Nigeria. Trigger phrases include "Nigeria tax", "Nigeria VAT", "Nigeria payroll", "tax in Nigeria", "Nigeria accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 11 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Netherlands. Trigger phrases include "Netherlands tax", "Netherlands VAT", "Netherlands payroll", "tax in Netherlands", "Netherlands accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 15 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in New Zealand. Trigger phrases include "New Zealand tax", "New Zealand VAT", "New Zealand payroll", "tax in New Zealand", "New Zealand accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 5 verified skill(s) for this scope.

Use this skill whenever the user asks about payroll & employer taxes across jurisdictions. Trigger phrases include "payroll", "withholding", "PAYE", "FICA", "social security", "employer". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 14 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Philippines. Trigger phrases include "Philippines tax", "Philippines VAT", "Philippines payroll", "tax in Philippines", "Philippines accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Pakistan. Trigger phrases include "Pakistan tax", "Pakistan VAT", "Pakistan payroll", "tax in Pakistan", "Pakistan accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 10 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Portugal. Trigger phrases include "Portugal tax", "Portugal VAT", "Portugal payroll", "tax in Portugal", "Portugal accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 15 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Saudi Arabia. Trigger phrases include "Saudi Arabia tax", "Saudi Arabia VAT", "Saudi Arabia payroll", "tax in Saudi Arabia", "Saudi Arabia accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 11 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Sweden. Trigger phrases include "Sweden tax", "Sweden VAT", "Sweden payroll", "tax in Sweden", "Sweden accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Singapore. Trigger phrases include "Singapore tax", "Singapore VAT", "Singapore payroll", "tax in Singapore", "Singapore accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 6 verified skill(s) for this scope.

Use this skill whenever the user asks about tax optimization & planning across jurisdictions. Trigger phrases include "tax planning", "optimization", "residency", "R&D credit", "patent box". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 13 verified skill(s) for this scope.

Use this skill whenever the user asks about transfer pricing across jurisdictions. Trigger phrases include "transfer pricing", "master file", "local file", "CbCR", "intercompany", "OECD". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 15 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Taiwan. Trigger phrases include "Taiwan tax", "Taiwan VAT", "Taiwan payroll", "tax in Taiwan", "Taiwan accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Arizona. Trigger phrases include "Arizona tax", "Arizona VAT", "Arizona payroll", "tax in Arizona", "Arizona accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in California. Trigger phrases include "California tax", "California VAT", "California payroll", "tax in California", "California accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Colorado. Trigger phrases include "Colorado tax", "Colorado VAT", "Colorado payroll", "tax in Colorado", "Colorado accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Connecticut. Trigger phrases include "Connecticut tax", "Connecticut VAT", "Connecticut payroll", "tax in Connecticut", "Connecticut accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Delaware. Trigger phrases include "Delaware tax", "Delaware VAT", "Delaware payroll", "tax in Delaware", "Delaware accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in US-FED. Trigger phrases include "US-FED tax", "US-FED VAT", "US-FED payroll", "tax in US-FED", "US-FED accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 51 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Florida. Trigger phrases include "Florida tax", "Florida VAT", "Florida payroll", "tax in Florida", "Florida accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Georgia (US). Trigger phrases include "Georgia (US) tax", "Georgia (US) VAT", "Georgia (US) payroll", "tax in Georgia (US)", "Georgia (US) accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 7 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Illinois. Trigger phrases include "Illinois tax", "Illinois VAT", "Illinois payroll", "tax in Illinois", "Illinois accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 5 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Indiana. Trigger phrases include "Indiana tax", "Indiana VAT", "Indiana payroll", "tax in Indiana", "Indiana accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Kentucky. Trigger phrases include "Kentucky tax", "Kentucky VAT", "Kentucky payroll", "tax in Kentucky", "Kentucky accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Massachusetts. Trigger phrases include "Massachusetts tax", "Massachusetts VAT", "Massachusetts payroll", "tax in Massachusetts", "Massachusetts accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Maryland. Trigger phrases include "Maryland tax", "Maryland VAT", "Maryland payroll", "tax in Maryland", "Maryland accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Michigan. Trigger phrases include "Michigan tax", "Michigan VAT", "Michigan payroll", "tax in Michigan", "Michigan accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Minnesota. Trigger phrases include "Minnesota tax", "Minnesota VAT", "Minnesota payroll", "tax in Minnesota", "Minnesota accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Missouri. Trigger phrases include "Missouri tax", "Missouri VAT", "Missouri payroll", "tax in Missouri", "Missouri accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in North Carolina. Trigger phrases include "North Carolina tax", "North Carolina VAT", "North Carolina payroll", "tax in North Carolina", "North Carolina accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in New Jersey. Trigger phrases include "New Jersey tax", "New Jersey VAT", "New Jersey payroll", "tax in New Jersey", "New Jersey accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Nevada. Trigger phrases include "Nevada tax", "Nevada VAT", "Nevada payroll", "tax in Nevada", "Nevada accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in New York. Trigger phrases include "New York tax", "New York VAT", "New York payroll", "tax in New York", "New York accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 9 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Ohio. Trigger phrases include "Ohio tax", "Ohio VAT", "Ohio payroll", "tax in Ohio", "Ohio accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 5 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Oregon. Trigger phrases include "Oregon tax", "Oregon VAT", "Oregon payroll", "tax in Oregon", "Oregon accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Pennsylvania. Trigger phrases include "Pennsylvania tax", "Pennsylvania VAT", "Pennsylvania payroll", "tax in Pennsylvania", "Pennsylvania accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Texas. Trigger phrases include "Texas tax", "Texas VAT", "Texas payroll", "tax in Texas", "Texas accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 6 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Virginia. Trigger phrases include "Virginia tax", "Virginia VAT", "Virginia payroll", "tax in Virginia", "Virginia accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 4 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Washington. Trigger phrases include "Washington tax", "Washington VAT", "Washington payroll", "tax in Washington", "Washington accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in Wisconsin. Trigger phrases include "Wisconsin tax", "Wisconsin VAT", "Wisconsin payroll", "tax in Wisconsin", "Wisconsin accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in United States. Trigger phrases include "United States tax", "United States VAT", "United States payroll", "tax in United States", "United States accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 79 verified skill(s) for this scope.

Use this skill whenever the user asks about vat & gst across jurisdictions. Trigger phrases include "VAT", "GST", "sales tax", "OSS", "IOSS", "reverse charge", "e-invoicing". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 142 verified skill(s) for this scope.

Use this skill whenever the user asks about banking sector businesses. Trigger phrases include "Banking Sector", "Banking Sector tax", "Banking Sector accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about charity nonprofit businesses. Trigger phrases include "Charity Nonprofit", "Charity Nonprofit tax", "Charity Nonprofit accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about construction sector businesses. Trigger phrases include "Construction Sector", "Construction Sector tax", "Construction Sector accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about consultant professional businesses. Trigger phrases include "Consultant Professional", "Consultant Professional tax", "Consultant Professional accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about content creator businesses. Trigger phrases include "Content Creator", "Content Creator tax", "Content Creator accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about ecommerce seller businesses. Trigger phrases include "Ecommerce Seller", "Ecommerce Seller tax", "Ecommerce Seller accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about freelance developer businesses. Trigger phrases include "Freelance Developer", "Freelance Developer tax", "Freelance Developer accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about insurance sector businesses. Trigger phrases include "Insurance Sector", "Insurance Sector tax", "Insurance Sector accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about investment funds reits businesses. Trigger phrases include "Investment Funds Reits", "Investment Funds Reits tax", "Investment Funds Reits accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about medical professional businesses. Trigger phrases include "Medical Professional", "Medical Professional tax", "Medical Professional accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about oil gas extractives businesses. Trigger phrases include "Oil Gas Extractives", "Oil Gas Extractives tax", "Oil Gas Extractives accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about property investor businesses. Trigger phrases include "Property Investor", "Property Investor tax", "Property Investor accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about saas digital products businesses. Trigger phrases include "Saas Digital Products", "Saas Digital Products tax", "Saas Digital Products accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about shipping aviation tonnage tax businesses. Trigger phrases include "Shipping Aviation Tonnage Tax", "Shipping Aviation Tonnage Tax tax", "Shipping Aviation Tonnage Tax accounting". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 1 verified skill(s) for this scope.

Use this skill whenever the user asks about taxes, VAT/GST, payroll, or formation in South Africa. Trigger phrases include "South Africa tax", "South Africa VAT", "South Africa payroll", "tax in South Africa", "South Africa accountant". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 3 verified skill(s) for this scope.

Use this skill whenever the user asks about vat & gst across jurisdictions. Trigger phrases include "tax", "accounting", "VAT", "GST", "payroll", "filing". The skill is a thin router — it directs you to call the OpenAccountants MCP server (already configured at https://www.openaccountants.com/api/mcp) which holds 50 verified skill(s) for this scope.

> Use this skill whenever asked about Alberta provincial individual income tax. Trigger on phrases like "Alberta tax", "Alberta T1", "AB provincial tax", "Alberta flat tax", "Alberta credits", "Alberta personal amount", "no PST Alberta", or any question about computing Alberta provincial tax for an individual return. This skill covers Alberta's 10% flat personal income tax rate, provincial credits, interaction with federal T1, and Alberta-specific deductions. ALWAYS read this skill before touching any Alberta individual tax return work.

> Use this skill whenever asked about UAE Corporate Tax for freelancers, sole establishments, or small businesses. Trigger on phrases like "how much tax do I pay in UAE", "corporate tax UAE", "CT return", "FTA", "small business relief", "free zone tax", "qualifying free zone person", "AED 375,000", "9% tax", "taxable income UAE", "corporate tax registration", "UAE tax return", "self-employed tax UAE", "freelancer tax Dubai", "EmaraTax", or any question about computing or filing UAE corporate tax. This skill covers the 0%/9% rate structure, small business relief (revenue under AED 3M), qualifying free zone person rules, deductible and non-deductible expenses, transfer pricing, registration requirements, and filing deadlines. Note: the UAE has NO personal income tax — self-employed individuals and sole establishments are subject to corporate tax. ALWAYS read this skill before touching any UAE corporate tax work.

Use this skill whenever asked about Alaska sales and use tax. Trigger on phrases like "Alaska sales tax", "AK sales tax", "Alaska local sales tax", "ARSSTC", "Alaska Remote Seller Sales Tax Commission", "Alaska economic nexus", "do I charge sales tax in Alaska". ALWAYS load us-sales-tax first.

Use this skill whenever asked about Alabama individual income tax for self-employed individuals or sole proprietors — filing Form 40, AL estimated tax (Form 40-ES), Alabama tax brackets, Alabama deductions, federal income tax deduction on AL return, or any query involving Alabama state income tax compliance. Trigger on phrases like "Alabama income tax", "AL income tax", "Form 40", "Alabama estimated tax", "Alabama self-employed tax", "ADOR income tax", or "Code of Ala. §40-18".

Use this skill whenever asked about Alabama sales tax, Alabama use tax, Alabama sales tax nexus, ADOR sales tax filing, self-administered city taxes in Alabama, or Alabama grocery food taxation. Trigger on phrases like "Alabama sales tax", "AL sales tax", "ADOR", "Code of Ala. §40-23", "Alabama local tax", "Alabama grocery tax", "self-administered cities Alabama", or any request involving Alabama state and local sales and use tax compliance. ALWAYS load us-sales-tax first for federal context.

Use this skill whenever asked to prepare, review, or classify transactions for an Albanian VAT (TVSH) return for any client. Trigger on phrases like "Albania VAT", "Albanian TVSH", "TVSH return", "DPT filing", "Albanian tax", or any request involving Albanian VAT filing. Also trigger when classifying transactions for VAT purposes from bank statements, invoices, or other source data. This skill covers Albania only — standard TVSH payers filing monthly returns. Small business exemptions, free economic zones, agricultural compensation schemes, and margin schemes are in the refusal catalogue. MUST be loaded alongside vat-workflow-base v0.1 or later (for workflow architecture). ALWAYS read this skill before touching any Albanian VAT work.

Use this skill whenever asked to prepare, review, or classify transactions for an Algeria TVA (Taxe sur la Valeur Ajoutee) return (G50 declaration) for any client. Trigger on phrases like "prepare TVA return", "Algeria VAT", "G50 declaration", "declaration TVA", "DGI return", or any request involving Algeria VAT filing. Also trigger when classifying transactions for TVA purposes from bank statements, invoices, or other source data. This skill covers Algeria only and standard TVA-registered businesses under the regime reel. IFU (forfaitaire) taxpayers, hydrocarbon-sector entities, military procurement, and special conventions are in the refusal catalogue. ALWAYS read this skill before touching any Algeria TVA work.

> Integration skill for Amazon Seller Central settlement reports and date range reports. Activate when the user uploads an Amazon settlement report, Amazon seller CSV, or mentions Amazon Seller Central, FBA, or Amazon payouts.

OpenAccountants tax and accounting reference for INTL: americas corridors. Use for cross-border questions in INTL (tax year ).

Use this skill whenever asked to prepare, review, or classify transactions for an Andorran IGI (Impost General Indirecte) return for any client. Trigger on phrases like "Andorra VAT", "Andorra IGI", "IGI return", "Andorran tax", or any request involving Andorran indirect tax filing. Andorra does NOT have VAT — it has the IGI at 4.5% standard rate. Andorra is NOT in the EU and is NOT harmonized with the EU VAT Directive. ALWAYS read this skill before touching any Andorran IGI work.

> Use this skill whenever asked about Argentine income tax (Impuesto a las Ganancias) for self-employed individuals (autónomos / profesionales independientes). Trigger on phrases like "Ganancias", "impuesto a las ganancias", "autónomo Argentina", "monotributo vs responsable inscripto", "cuarta categoría", "deducciones personales", "ganancia no imponible", "bienes personales", "DDJJ Ganancias", "ARCA", "AFIP", "CUIT", "income tax Argentina", "anticipos ganancias", or any question about filing or computing income tax for a self-employed client in Argentina. This skill covers progressive rates (5-35%), personal deductions (ganancia no imponible, cargas de familia, deducción especial), Bienes Personales interaction, advance payments (anticipos), percepciones as credits, and ARCA filing. ALWAYS read this skill before touching any Argentine income tax work.

> Use this skill whenever asked about the Argentine Monotributo simplified tax regime. Trigger on phrases like "monotributo", "regimen simplificado", "AFIP", "DAS monotributo", "categorias monotributo", "impuesto integrado", "monotributista", or any question about the unified monthly payment, category thresholds, or obligations for small self-employed individuals in Argentina. Covers the unified monthly payment (impuesto integrado + aportes jubilatorios + obra social), revenue-based categories (A through K), and exclusion rules. ALWAYS read this skill before touching any Argentine Monotributo work.

Use this skill whenever asked about Arkansas sales and use tax. Trigger on phrases like "Arkansas sales tax", "AR sales tax", "DFA", "A.C.A. §26-52", "Arkansas grocery tax", "Arkansas SST". ALWAYS load us-sales-tax first.

Use this skill whenever asked about Argentine self-employed social contributions (aportes autónomos). Trigger on phrases like "aportes autónomos", "categoría autónomos", "jubilación autónomos", "PAMI autónomos", "cuánto pago de autónomo", "contribuciones SIPA", or any question about Argentine social security obligations for self-employed individuals. Covers Categories I-V, retirement (SIPA), PAMI (INSSJP), and obra social contributions, monthly fixed amounts, VEP payment, and edge cases. ALWAYS read this skill before touching any Argentine social contribution work.

> Argentine VAT return (IVA -- Impuesto al Valor Agregado) for self-employed individuals under the regimen general. Covers the standard 21% rate, reduced 10.5%, increased 27%, monthly filing via AFIP SIAP/web, debito/credito fiscal computation, and withholding/perception regimes. Primary source: Ley 23.349 (Ley de IVA) and its regulatory decree (Decreto 692/98).

Use this skill whenever asked to prepare, review, or classify transactions for an Argentina IVA (Impuesto al Valor Agregado) return or advise on Argentine VAT registration, filing, and AFIP compliance. Trigger on phrases like "prepare IVA return", "Argentine VAT", "IVA Argentina", "AFIP", "CUIT", or any Argentina IVA request. ALWAYS read this skill before touching any Argentina IVA work.

Use this skill whenever asked to prepare, review, or classify transactions for an Armenian VAT (AVH) return for any client. Trigger on phrases like "Armenia VAT", "Armenian VAT", "AVH return", "SRC filing", or any request involving Armenian VAT filing. This skill covers standard VAT payers filing monthly returns. Turnover tax, micro-enterprise, and IT sector special regimes are in the refusal catalogue. MUST be loaded alongside vat-workflow-base v0.1 or later. ALWAYS read this skill before touching any Armenian VAT work.

OpenAccountants tax and accounting reference for INTL: asia pacific corridors. Use for cross-border questions in INTL (tax year ).

> Use this skill whenever asked about Austrian income tax (Einkommensteuer) for self-employed individuals filing form E1. Trigger on phrases like "Einkommensteuer", "ESt", "E1 Erklarung", "Gewinnfreibetrag", "Betriebsausgabenpauschale", "Absetzbetrge", "Sonderausgaben", "selbstandig Steuer Osterreich", "Austrian income tax", "self-employed tax Austria", or any question about computing or filing income tax for a self-employed person in Austria. This skill covers progressive tax brackets (0--55%), Gewinnfreibetrag, Betriebsausgabenpauschale, Sonderausgaben, aussergewohnliche Belastungen, Absetzbetrge, SV deductibility, and E1/E1a structure. ALWAYS read this skill before touching any Austrian income tax work.

Use this skill whenever asked about Austrian SVS (Sozialversicherungsanstalt der Selbständigen) social insurance contributions for self-employed individuals. Trigger on phrases like "SVS contributions", "Austrian social insurance", "GSVG", "self-employed Austria contributions", "Pensionsversicherung self-employed", "SVS Vorschreibung", or any question about social insurance obligations for a self-employed client in Austria. Covers pension (18.5%), health (6.8%), accident (flat monthly), and Selbständigenvorsorge. ALWAYS read this skill before touching any Austria social contributions work.

> Use this skill whenever asked about Australian cryptocurrency taxation. Trigger on phrases like "crypto tax Australia", "Bitcoin CGT", "ATO crypto", "crypto capital gains", "personal use asset crypto", "staking income", "airdrop tax", "DeFi tax Australia", "crypto cost base", "crypto trading tax", "Coinbase tax", "Swyftx tax", "CoinSpot tax", "NFT tax Australia", or any question about how cryptocurrency is taxed by the ATO. This skill covers CGT treatment of crypto assets, the personal use asset exemption, trading vs investing distinction, staking and airdrop income, DeFi events, record-keeping requirements, and exchange-specific transaction patterns. ALWAYS read this skill before touching any Australian crypto tax work.

ALWAYS USE THIS SKILL when a user asks for help preparing their Australian tax returns AND mentions freelancing, self-employment, contracting, sole trading, or ABN-based work. Trigger on phrases like "help me do my taxes", "prepare my ITR", "I'm a sole trader in Australia", "I'm a freelancer in Australia", "do my taxes as a contractor", "prepare my BAS and income tax", or any similar phrasing where the user is an Australian-resident self-employed individual needing tax return preparation. This is the REQUIRED entry point for the Australian self-employed tax workflow -- every other skill in the stack (australia-gst, au-individual-return, au-super-guarantee, au-medicare-levy, au-payg-instalments, au-return-assembly) depends on this skill running first to produce a structured intake package. Uses upload-first workflow -- the user dumps all their documents and the skill infers as much as possible before asking questions. Uses ask_user_input_v0 for structured questions instead of one-at-a-time prose.

> Use this skill whenever asked about Australian individual income tax for sole traders. Trigger on phrases like "how much tax do I pay in Australia", "Australian tax return", "sole trader tax", "ABN tax", "Medicare levy", "LITO", "PAYG", "tax brackets Australia", "BAS", "instant asset write-off", "home office deduction", "HELP repayment", "HECS debt", "small business income tax offset", "motor vehicle deduction", or any question about filing or computing income tax for an Australian sole trader. Covers 2024-25 Stage 3 tax rates, Medicare levy and surcharge, LITO, business income computation, allowable deductions, depreciation, instant asset write-off, small business income tax offset, HELP/HECS repayments, and final tax computation. ALWAYS read this skill before touching any Australian income tax work.

> Use this skill whenever asked about the Australian Medicare Levy, Medicare Levy Surcharge (MLS), low-income reduction thresholds, family thresholds, surcharge tiers, private health insurance (PHI) rebate interaction, or Medicare levy exemptions. Trigger on phrases like "Medicare levy", "Medicare surcharge", "MLS", "do I pay Medicare levy", "low income Medicare", "Medicare levy reduction", "Medicare levy exemption", "private health insurance rebate", "PHI rebate", "M1", "M2", or any question about Medicare-related levies on an Australian tax return. ALWAYS read this skill before touching any Medicare levy work.

> Use this skill whenever asked about Australian PAYG Instalments for sole traders. Trigger on phrases like "PAYG instalments", "BAS T1 T2 T7 T9", "instalment rate", "instalment amount", "ATO instalment", "GDP uplift", "GIC", "variation of instalments", or any question about income tax prepayments through the Business Activity Statement. Covers entry/exit thresholds, instalment rate method (T1/T2), instalment amount method (T7), GDP uplift factor, voluntary variation, GIC exposure on under-estimation, and quarterly/annual election. ALWAYS read this skill before touching any PAYG instalment work for Australia.

> Use this skill whenever asked about Australian rental property income and deductions. Trigger on phrases like "rental income Australia", "negative gearing", "rental deductions", "investment property tax", "Division 40", "Division 43", "capital works deduction", "depreciation schedule", "rental property CGT", "rental withholding", "body corporate fees", "strata levy deduction", "repairs vs improvements", "TR 97/23", or any question about completing the rental property schedule in an Australian individual tax return. This skill covers rental income reporting, deductible expenses, depreciation (Div 40 plant and Div 43 building), negative gearing, CGT on disposal, non-resident withholding, and common transaction classifications. ALWAYS read this skill before touching any Australian rental property work.

Final orchestrator skill that assembles the complete Australian filing package for Australian-resident sole traders. Consumes outputs from all Australian content skills (australia-gst for BAS, au-individual-return for ITR, au-super-guarantee for voluntary contributions, au-medicare-levy for levy and surcharge, au-payg-instalments for instalment schedule) to produce a single unified reviewer package containing every worksheet, every form, every brief section, all cross-skill reconciliations, and the final action list with payment instructions, filing instructions, and next-year planning. This is the capstone skill that runs last and produces the final deliverable. MUST be loaded alongside all Australian content skills listed above. Australian full-year residents only. Sole traders only.

> Australian sole trader business schedule (Business and Professional Items Schedule for Individuals). Covers assessable business income, allowable deductions, home office (fixed rate 67c/hour or actual), motor vehicle (logbook or cents per km at 85c/km), depreciation (instant asset write-off, simplified pooling, general pooling), prepaid expenses, and trading stock.

> Use this skill whenever asked about Australian Superannuation Guarantee (SG) obligations, voluntary super contributions, concessional and non-concessional caps, Division 293 tax, government co-contribution, spouse contribution tax offset, carry-forward rules, or any question about super for sole traders or employers. Trigger on phrases like "how much super do I pay", "SG rate", "super guarantee", "concessional cap", "Division 293", "salary sacrifice super", "personal super contribution deduction", "co-contribution", "BPAY super", "ATO super clearing house", "super fund contribution", or any question about Australian superannuation. Also trigger when classifying bank statement transactions showing super fund payments, BPAY super debits, or ATO Small Business Super Clearing House (SBSCH) payments. ALWAYS read this skill before touching any SG-related work.

> Use this skill whenever asked about Australian bookkeeping for sole traders, partnerships, or small companies. Trigger on phrases like "chart of accounts", "BAS", "GST codes", "bookkeeping", "profit and loss", "balance sheet", "AASB", "simplified disclosures", "Tier 2", "bank reconciliation", "expense categories", "revenue recognition", "depreciation", "instant asset write-off", "small business pool", "ABN", "ATO reporting", "activity statement", "accrual basis", "cash basis", "general ledger", or any question about day-to-day transaction recording, financial statement preparation, or account coding for an Australian business.

> Use this skill when preparing, reviewing, or advising on annual financial statements for an Australian company. Trigger on phrases like "ASIC financial report", "AASB", "Australian Accounting Standards", "general purpose financial statements", "special purpose financial statements", "large proprietary company", "small proprietary company", "directors' report Australia", "audit Australia", "Form 388", "Corporations Act 2001 reporting", or any question about preparing and filing statutory accounts under the Corporations Act 2001. Covers AASB frameworks, size thresholds (large/small proprietary), required statements, formats, notes, lodgement deadlines, and audit requirements.

> Use this skill whenever asked about forming, incorporating, or registering a company in Australia. Trigger on phrases like "set up a company in Australia", "Pty Ltd", "ASIC registration", "Australian company formation", "register a business Australia", "ABN", "ACN", "proprietary limited", "sole trader Australia", "partnership Australia", or any question about starting a business entity in Australia. Covers entity types (Pty Ltd, Ltd, sole trader, partnership, trust), registration process, costs, post-formation compliance, and bank account opening. ALWAYS read this skill before advising on Australian company formation.

Use this skill whenever asked to prepare, review, or classify transactions for an Australian GST return (Business Activity Statement / BAS) for any client. Trigger on phrases like "prepare BAS", "do the GST", "fill in BAS", "create the return", "GST return", "Activity Statement", or any request involving Australian GST filing. Also trigger when classifying transactions for GST purposes from bank statements, invoices, or other source data. This skill covers Australia only and covers both Simpler BAS and full BAS reporting. GST groups, margin scheme, partial exemption complex, and going concern are all in the refusal catalogue. ALWAYS read this skill before touching any GST-related work.

> Use this skill whenever asked about Australian payroll, PAYG withholding, superannuation guarantee, Single Touch Payroll, or employer obligations in Australia. Trigger on phrases like "PAYG", "pay as you go withholding", "superannuation", "super guarantee", "STP", "Single Touch Payroll", "STP Phase 2", "Medicare levy", "tax file number", "TFN declaration", "HECS-HELP", "STSL", "Fair Work", "NES", "national employment standards", "modern award", "payslip Australia", "ATO payroll", "BAS", "IAS", "activity statement", "annual leave", "long service leave", "minimum wage Australia", or any question about running payroll in Australia. ALWAYS read this skill before processing any Australian payroll work.

> Use this skill when advising on LEGAL tax minimization strategies for Australian taxpayers — individuals, sole traders, and small business owners. Trigger on phrases like "reduce my tax", "tax planning Australia", "salary vs dividends", "negative gearing", "instant asset write-off", "superannuation strategy", "CGT discount", "trust distribution", "income splitting", "GAAR", "Part IVA", or any question about structuring affairs to legally minimize Australian tax. Covers entity selection, deduction optimization, capital allowances, loss utilization, timing strategies, GST planning, superannuation, and red lines. ALWAYS read this skill before giving Australian tax optimization advice.

> Use this skill whenever asked about Australia transfer pricing rules, documentation requirements, or ATO transfer pricing compliance. Trigger on phrases like "transfer pricing Australia", "Australian TP documentation", "ATO transfer pricing", "master file Australia", "local file Australia", "CbCR Australia", "APA Australia", "Subdivision 815", "International Dealings Schedule", "IDS", "significant global entity", or any question about intercompany pricing for Australian entities.

Use this skill whenever asked to prepare, review, or classify transactions for an Austrian VAT return (Umsatzsteuervoranmeldung / UVA) or annual declaration (Umsatzsteuererklärung / U1) for a self-employed individual or small business in Austria. Trigger on phrases like "prepare UVA", "Austrian VAT return", "Umsatzsteuer", "classify transactions for Austrian VAT", or any request involving Austria VAT filing. This skill covers Austria only, standard regime (Regelbesteuerung). Kleinunternehmerregelung, partial exemption, margin scheme (Differenzbesteuerung), and VAT groups (Organschaft) are in the refusal catalogue. MUST be loaded alongside BOTH vat-workflow-base v0.1 or later AND eu-vat-directive v0.1 or later. ALWAYS read this skill before touching any Austrian VAT work.

Use this skill whenever asked about Arizona individual income tax for self-employed individuals or sole proprietors — filing Form 140, AZ estimated tax (Form 140ES), Arizona flat tax rate, Arizona standard deduction, or any query involving Arizona state income tax compliance. Trigger on phrases like "Arizona income tax", "AZ income tax", "Form 140", "Arizona estimated tax", "Arizona self-employed tax", "AZDOR income tax", "Arizona flat tax", or "ARS §43".

Use this skill whenever asked about Arizona sales tax, Arizona Transaction Privilege Tax (TPT), Arizona use tax, Arizona tax nexus, or any request involving Arizona state-level consumption taxes. Trigger on phrases like "Arizona sales tax", "AZ sales tax", "TPT", "Transaction Privilege Tax", "Arizona DOR", or any request involving Arizona TPT compliance. CRITICAL -- Arizona has a Transaction Privilege Tax on the SELLER, not a traditional sales tax. ALWAYS load us-sales-tax first.

Use this skill whenever asked to prepare, review, or classify transactions for an Azerbaijan VAT (EDV) return for any client. Trigger on phrases like "Azerbaijan VAT", "EDV return", "Azerbaijani tax", or any request involving Azerbaijan VAT filing. This skill covers standard EDV payers filing monthly returns. Simplified tax regime and micro-enterprise exemptions are in the refusal catalogue. MUST be loaded alongside vat-workflow-base v0.1 or later. ALWAYS read this skill before touching any Azerbaijan VAT work.

Use this skill whenever asked to prepare, review, or classify transactions for a Bahamas VAT return for any client. Trigger on phrases like "Bahamas VAT", "DIR Bahamas", "Department of Inland Revenue Bahamas", or any request involving Bahamas VAT. The Bahamas has NO income tax — VAT is the primary tax. MUST be loaded alongside vat-workflow-base v0.1 or later. ALWAYS read this skill before touching any Bahamas VAT work.

Use this skill whenever asked to prepare, review, or classify transactions for a Bahrain VAT return for any client. Trigger on phrases like "prepare VAT return", "Bahrain VAT", "NBR return", "file VAT Bahrain", or any request involving Bahrain VAT filing. Also trigger when classifying transactions for VAT purposes from bank statements, invoices, or other source data. This skill contains the complete Bahrain VAT classification rules, return box mappings, deductibility rules, reverse charge treatment, GCC transitional provisions, and filing deadlines. Bahrain applies VAT at 10% under Decree-Law No. 48 of 2018, administered by the National Bureau for Revenue (NBR). ALWAYS read this skill before touching any Bahrain VAT-related work.

Use this skill whenever asked to prepare, review, or classify transactions for Bangladesh Personal Income Tax, annual return filing with NBR, or advise on Bangladeshi income tax slabs, exemptions, and investment rebates. Trigger on phrases like "আয়কর", "income tax Bangladesh", "NBR", "TIN", "salary tax BD", or any Bangladesh personal tax request. ALWAYS read this skill before touching any Bangladesh PIT work.

Use this skill whenever asked to prepare, review, or classify transactions for a Bangladesh VAT return (Mushak-9.1) or turnover tax return for any client. Trigger on phrases like "prepare VAT return", "Bangladesh VAT", "Mushak", "BIN registration", "NBR filing", or any request involving Bangladesh VAT. Also trigger when classifying transactions for VAT purposes from bank statements, invoices, or other source data. This skill covers standard VAT-registered (Article 10 equivalent) and turnover tax filers. Complex multi-establishment structures, bond/export processing zones, and supplementary duty computations are in the refusal catalogue. MUST be loaded alongside vat-workflow-base v0.1 or later (for workflow architecture). ALWAYS read this skill before touching any Bangladesh VAT work.

> Use this skill whenever a bank, neobank, payment institution, e-money institution, or regulated financial holding company asks about accounting, regulatory capital, or tax issues specific to financial institutions. Trigger on phrases like "bank tax", "bank levy", "IRB approach", "standardised approach", "IFRS 9 ECL", "FRTB", "Basel III", "Basel IV", "CRR/CRD", "Prudential regulation", "PRA", "ECB SSM", "FED CCAR", "OSFI", "expected credit loss", "ICAAP", "ILAAP", "stress testing", "interchange fee", "MREL", "TLAC", "resolution planning", "deposit guarantee scheme contribution", or any question about bank accounting / tax / regulation. Covers IFRS 9 ECL, capital adequacy interactions with tax (DTA recognition), bank levies (UK, EU), specific tax rules for banks (FTT, securitisation, hedge accounting). Does NOT cover: detailed banking regulation (CRR/CRD specifics, FRTB calibration); audit of banks (see statutory-audit-workflow-base); routine corporate tax (see corporate-income-tax-workflow-base).

Use this skill whenever asked to prepare, review, or classify transactions for a Barbados VAT return for any client. Trigger on phrases like "Barbados VAT", "BRA filing", "Barbados Revenue Authority", or any request involving Barbados VAT. MUST be loaded alongside vat-workflow-base v0.1 or later. ALWAYS read this skill before touching any Barbados VAT work.

> Use this skill whenever asked about British Columbia provincial income tax for a self-employed sole proprietor. Trigger on phrases like "BC tax", "BC428", "British Columbia income tax", "BC tax brackets", "BC tax reduction", "BC climate action tax credit", "provincial tax BC", or any question about computing BC provincial tax for a self-employed individual. Covers BC tax brackets, personal credits, BC tax reduction, climate action tax credit, and BC-specific rules. ALWAYS read this skill before touching any BC provincial tax work.

> Use this skill whenever asked about record-keeping and bookkeeping for self-employed people and small businesses in Bangladesh. Trigger on phrases like "Bangladesh bookkeeping", "records for NBR", "invoice requirements Bangladesh", "freelancer records Bangladesh", "what records to keep NBR". Covers the records a business individual must keep, foreign-remittance evidence for IT exporters, invoicing, and retention. ALWAYS read before any Bangladesh bookkeeping work.

> Use this skill whenever asked about the legal status and taxation of cryptocurrency in Bangladesh. Trigger on phrases like "Bangladesh crypto tax", "is crypto legal Bangladesh", "Bitcoin Bangladesh", "crypto trading Bangladesh legal". Explains that cryptocurrency is effectively prohibited by Bangladesh Bank and there is no tax framework — high risk. ALWAYS read before any Bangladesh crypto work.

> Use this skill whenever asked about electronic invoicing, fiscal devices, and digital VAT compliance in Bangladesh. Trigger on phrases like "Bangladesh e-invoicing", "EFD SDC NBR", "electronic fiscal device Bangladesh", "Mushak invoice", "VAT software Bangladesh". Covers the NBR's electronic fiscal devices (EFD/SDC) for VAT, the Mushak invoice/return forms, and what small/non-VAT businesses must issue. ALWAYS read before any Bangladesh e-invoicing work.

> Use this skill whenever asked about financial statements and accounting reporting in Bangladesh. Trigger on phrases like "Bangladesh financial statements", "do I file accounts as sole proprietor Bangladesh", "RJSC financial statements", "IFRS Bangladesh", "BFRS", "audit requirement Bangladesh". Explains that sole proprietors file accounts with the tax return rather than statutory statements, and what companies must prepare under BFRS/IFRS and file with RJSC. ALWAYS read before any Bangladesh financial-reporting work.

> Use this skill whenever asked how to register or start a business in Bangladesh as a freelancer or small business. Trigger on phrases like "register TIN Bangladesh", "trade licence Bangladesh", "how to start freelancing Bangladesh legally", "sole proprietorship Bangladesh", "RJSC company", "BIN VAT registration". Covers TIN and trade-licence registration, the sole proprietor / partnership / company choice, VAT (BIN) registration, and the e-commerce DBID. ALWAYS read before any Bangladesh formation.

ALWAYS USE THIS SKILL when a user asks for help with their Bangladesh taxes AND mentions freelancing, self-employment, sole proprietorship, IT/ITES exports, or being a business individual in Bangladesh. Trigger on phrases like "help me with my Bangladesh taxes", "I'm a freelancer in Bangladesh", "I do IT export from Bangladesh", "file my NBR return", "I'm self-employed in Bangladesh". REQUIRED entry point for the Bangladesh self-employed workflow — downstream skills (bd-it-freelancer-tax, bangladesh-pit, bd-social-contributions, bangladesh-vat, bd-return-assembly) depend on it. Upload-first; Bangladesh-resident individuals only.

> Use this skill whenever asked how Bangladeshi freelancers and IT/ITES exporters are taxed on income from foreign clients. Trigger on phrases like "Bangladesh freelancer tax", "IT export tax Bangladesh", "ITES tax exemption Bangladesh", "Upwork Fiverr tax Bangladesh", "freelancing income tax NBR", "software export Bangladesh tax". Explains that the long-standing IT/ITES tax exemption EXPIRED on 30 June 2024 and how freelance/IT-export income is taxed now, including the remittance/cash-incentive angle. ALWAYS read this before any Bangladesh IT-freelancer work.

> Use this skill whenever asked about Bangladesh payroll and salary-tax withholding for employers. Trigger on phrases like "Bangladesh payroll", "salary TDS Bangladesh", "deduct tax from salary NBR", "provident fund gratuity Bangladesh", "payroll Bangladesh freelancer hiring staff". Covers salary income-tax withholding under the slabs, provident fund/gratuity, the (limited) social-security position, and monthly TDS deposit/returns. ALWAYS read before any Bangladesh payroll work.

> Final orchestrator that assembles the complete Bangladesh filing package for a Bangladesh-resident self-employed person. Trigger on phrases like "assemble my Bangladesh return", "what do I file NBR", "file my e-Return Bangladesh", "Bangladesh freelancer filing", "Tax Day Bangladesh". Consumes outputs from bd-it-freelancer-tax / bangladesh-pit, bangladesh-vat, and bd-social-contributions, and produces the filing checklist, forms, and deadlines. Computes nothing itself.

> Use this skill whenever asked about social security, pension, or retirement contributions for workers and the self-employed in Bangladesh. Trigger on phrases like "Bangladesh pension", "Universal Pension Scheme", "Sarbojanin Pension", "Surokkha scheme", "provident fund Bangladesh", "do freelancers pay social security Bangladesh". Covers the voluntary Universal Pension Scheme (incl. the self-employed Surokkha scheme), employee provident fund/gratuity, and the (limited) mandatory position. ALWAYS read before any Bangladesh social-contribution work.