AC debt-survival
Survival protocol for when income drops and debts pile up. Covers payment priority hierarchy, creditor negotiation, collector defense using FDCPA rights, validation letters, statute of limitations, settlement strategies, and what actually happens if you stop paying.
As a process C 58/100 · Has gaps — weak spots: result and completion, when it triggers, inputs and preconditions
How to improve
- The SKILL.md body is over 5,000 tokens: move reference detail into references/ and load it when needed.
- Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
- A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.
Guard findings · 0
✓ No critical or high findings
Files scanned: 2. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
- warning
body-longSKILL.md body ≈ 5398 tokens (recommended < 5000); move details to references/
Process rating: all ten parameters 58/100
- 0Result and completion. Does not say what the result is
- 0Inputs and preconditions. Does not say what the process needs to start
- 20When it triggers. No condition that starts the skill
- 30Running it twice. 6 mutating operations with no state check
- 70Failures and branches. 11 branches
- 70Execution cost. Instruction body is 5398 tokens
- 100Tools and files. No external tools needed
- 100Steps. 31 steps
- 100Consistency. Name and required fields are in place
- 100Progress reporting. Reports progress
- medium Safety rules and hard prohibitions inside a skill: they belong in the system prompt, here they protect nothing
Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.
Quality signals
- +5Description has no quoted example phrases that should trigger the skill
- +4Description does not say when NOT to use the skill (false activations)
- +3Output format is not stated: the model decides each time
- +1No license
- +2Single-language instructions
- +3Description length 266: enough signal without eating the budget
- +4Structure: 14 headings
- +3Step-by-step instructions: 31 items
- +4Has examples (8 code blocks)
Quality base 70; lint remarks subtract, signals add up to 100. Result: 74.