$npx -y skills add simbajigege/book2skills --skill customers-yachts-wall-street-schwedAnalyze Wall Street conflicts. Trigger on: "can I trust this advisor?", "is this forecast reliable?", "whose interest does this serve?".
| 1 | # Where Are the Customers' Yachts? Conflict Orchestrator |
| 2 | |
| 3 | ## Skill Purpose |
| 4 | |
| 5 | Apply Fred Schwed Jr.'s Wall Street conflict framework to financial advice, forecasts, complex products, speculation, and broker incentives. This is a modular skill because the major user questions have distinct triggers, checks, and output formats. |
| 6 | |
| 7 | ## Routing Rules |
| 8 | |
| 9 | | User intent | Route to | |
| 10 | |---|---| |
| 11 | | Advisor, broker, planner, fund salesperson, fiduciary conflict | `subskills/conflict-diagnostic.md` | |
| 12 | | Market forecast, analyst target, newsletter call, macro prediction | `subskills/forecasting-illusion.md` | |
| 13 | | Structured product, annuity, hedge fund, complex strategy, high fees | `subskills/complexity-racket.md` | |
| 14 | | Hot tip, meme stock, crypto group, momentum trade, panic selling | `subskills/speculator-psychology.md` | |
| 15 | | High turnover, excessive trading, commission incentives | `subskills/broker-activity.md` | |
| 16 | |
| 17 | ## Execution Rules |
| 18 | |
| 19 | 1. Ask who earns money if the user acts. |
| 20 | 2. Separate investment from speculation before giving advice. |
| 21 | 3. Prefer simple, low-cost alternatives unless complexity has a clear job. |
| 22 | 4. Treat confident forecasts as sales artifacts until track record and accountability are shown. |
| 23 | 5. Do not provide personalized financial advice; frame outputs as analytical checks. |
| 24 | |
| 25 | ## Multi-Module Output Format |
| 26 | |
| 27 | - Conflict identification: who earns what. |
| 28 | - Schwed test applied: relevant module and checklist. |
| 29 | - Simple alternative: lower-conflict path. |
| 30 | - Verdict: aligned, partially aligned, or misaligned. |
| 31 | |
| 32 | ## Subskill Status |
| 33 | |
| 34 | All subskills are required and present in `subskills/`. |
| 35 | |
| 36 | ## CITATION RULES |
| 37 | |
| 38 | Use quotes only when the user asks for source grounding or when a claim needs attribution. Reference quote anchors by topic file and anchor. Keep quoted excerpts short. |
| 39 | |
| 40 | - `conflicts-incentives-quotes.md`: `#customers-yachts-question`, `#prophecy-commissions`, `#broker-influences-customer`, `#securities-created-to-sell`, `#investment-counsel-fees`, `#not-paid-in-commissions`, `#advice-given-received`, `#choosing-investments-competence` |
| 41 | - `forecasting-speculation-quotes.md`: `#difficult-answer-dont-know`, `#prediction-loses-savings`, `#just-a-croupier`, `#charts-useful-accuracy`, `#probability-and-risk`, `#buy-boom-sell-depression`, `#panic-buy-stocks`, `#dying-rich` |
| 42 | |
| 43 | ## Critical Reminders |
| 44 | |
| 45 | - The first question is always incentive alignment. |
| 46 | - Confidence is not accuracy. |
| 47 | - Complexity often prevents comparison. |
| 48 | - Do not reproduce long source passages. |