AB refinance-breakeven
Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap. Use when asked should I refinance, when does a refi break even, compare my loan to a refi offer, or is this refinance worth the closing costs. Produces the breakeven analysis with both interest totals, the if-you-sell-before-month-N warning, and the cases where the breakeven math lies.
Compute the month a refinance actually starts saving money — payment delta, breakeven month, and total interest on both paths including the term-reset trap.
As a process B 70/100 · Nearly there — weak spots: when it triggers, failures and branches, progress reporting
How to improve
- 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: 3. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
✓ No remarks against the Agent Skills spec
Process rating: all ten parameters 70/100
- 0Failures and branches. Linear process with no failure handling
- 0Progress reporting. Says nothing while it works
- 20When it triggers. No condition that starts the skill
- 60Result and completion. Output format stated, no completion criterion
- 70Inputs and preconditions. Inputs and preconditions are listed
- 100Tools and files. No external tools needed
- 100Steps. 16 steps
- 100Consistency. Name and required fields are in place
- 100Execution cost. Instruction body is 877 tokens
- 100Running it twice. No mutating operations
- low 10 top-level sections: this looks like several domains in one skill
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)
- -41 reference files, but SKILL.md never points to them: the model will not open them
- +1No license
- +2Single-language instructions
- +3Description length 443: enough signal without eating the budget
- +4Structure: 12 headings
- +3Step-by-step instructions: 16 items
- +3Output format is stated explicitly
- +4Has examples (1 code blocks)
- +3All 1 scripts are documented
Quality base 70; lint remarks subtract, signals add up to 100. Result: 86.