{"id":"47165cc2-329e-4aa6-a002-efa3afb682ed","shortId":"gLfG6x","kind":"skill","title":"customers-yachts-wall-street-schwed","tagline":"Analyze Wall Street conflicts. Trigger on: \"can I trust this advisor?\", \"is this forecast reliable?\", \"whose interest does this serve?\".","description":"# Where Are the Customers' Yachts? Conflict Orchestrator\n\n## Skill Purpose\n\nApply 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.\n\n## Routing Rules\n\n| User intent | Route to |\n|---|---|\n| Advisor, broker, planner, fund salesperson, fiduciary conflict | `subskills/conflict-diagnostic.md` |\n| Market forecast, analyst target, newsletter call, macro prediction | `subskills/forecasting-illusion.md` |\n| Structured product, annuity, hedge fund, complex strategy, high fees | `subskills/complexity-racket.md` |\n| Hot tip, meme stock, crypto group, momentum trade, panic selling | `subskills/speculator-psychology.md` |\n| High turnover, excessive trading, commission incentives | `subskills/broker-activity.md` |\n\n## Execution Rules\n\n1. Ask who earns money if the user acts.\n2. Separate investment from speculation before giving advice.\n3. Prefer simple, low-cost alternatives unless complexity has a clear job.\n4. Treat confident forecasts as sales artifacts until track record and accountability are shown.\n5. Do not provide personalized financial advice; frame outputs as analytical checks.\n\n## Multi-Module Output Format\n\n- Conflict identification: who earns what.\n- Schwed test applied: relevant module and checklist.\n- Simple alternative: lower-conflict path.\n- Verdict: aligned, partially aligned, or misaligned.\n\n## Subskill Status\n\nAll subskills are required and present in `subskills/`.\n\n## CITATION RULES\n\nUse 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.\n\n- `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`\n- `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`\n\n## Critical Reminders\n\n- The first question is always incentive alignment.\n- Confidence is not accuracy.\n- Complexity often prevents comparison.\n- Do not reproduce long source passages.","tags":["customers","yachts","wall","street","schwed","book2skills","simbajigege","agent-skills","agentskills","anthropic","anthropic-claude","growth-investing"],"capabilities":["skill","source-simbajigege","skill-customers-yachts-wall-street-schwed","topic-agent-skills","topic-agentskills","topic-anthropic","topic-anthropic-claude","topic-book2skills","topic-growth-investing","topic-investing","topic-investing-skills","topic-skills","topic-stock-analysis"],"categories":["book2skills"],"synonyms":[],"warnings":[],"endpointUrl":"https://skills.sh/simbajigege/book2skills/customers-yachts-wall-street-schwed","protocol":"skill","transport":"skills-sh","auth":{"type":"none","details":{"cli":"npx skills add simbajigege/book2skills","source_repo":"https://github.com/simbajigege/book2skills","install_from":"skills.sh"}},"qualityScore":"0.479","qualityRationale":"deterministic score 0.48 from registry signals: · indexed on github topic:agent-skills · 58 github stars · SKILL.md body (2,469 chars)","verified":false,"liveness":"unknown","lastLivenessCheck":null,"agentReviews":{"count":0,"score_avg":null,"cost_usd_avg":null,"success_rate":null,"latency_p50_ms":null,"narrative_summary":null,"summary_updated_at":null},"enrichmentModel":"deterministic:skill-github:v1","enrichmentVersion":1,"enrichedAt":"2026-05-18T18:57:20.133Z","embedding":null,"createdAt":"2026-04-18T22:21:56.192Z","updatedAt":"2026-05-18T18:57:20.133Z","lastSeenAt":"2026-05-18T18:57:20.133Z","tsv":"'1':125 '2':134 '3':142 '4':155 '5':169 'account':166 'accuraci':301,330 'act':133 'advic':47,141,175,277 'advice-given-receiv':276 'advisor':17,78 'align':205,207,326 'altern':148,199 'alway':324 'analyst':88 'analyt':179 'analyz':7 'anchor':240,245 'annuiti':97 'answer':287 'appli':36,193 'artifact':161 'ask':126,228 'attribut':237 'boom':308 'broker':53,79,259 'broker-influences-custom':258 'buy':307,313 'buy-boom-sell-depress':306 'call':91 'chart':299 'charts-useful-accuraci':298 'check':68,180 'checklist':197 'choos':281 'choosing-investments-compet':280 'citat':220 'claim':235 'clear':153 'commiss':120,257,275 'comparison':334 'compet':283 'complex':49,100,150,331 'confid':157,327 'conflict':10,32,43,84,186,202 'conflicts-incentives-quotes.md':250 'cost':147 'counsel':269 'creat':264 'critic':318 'croupier':297 'crypto':109 'custom':2,30,252,261 'customers-yachts-quest':251 'customers-yachts-wall-street-schw':1 'depress':310 'die':316 'difficult':286 'difficult-answer-dont-know':285 'distinct':66 'dont':288 'dying-rich':315 'earn':128,189 'excerpt':248 'excess':118 'execut':123 'fee':103,270 'fiduciari':83 'file':243 'financi':46,174 'first':321 'forecast':20,48,87,158 'forecasting-speculation-quotes.md':284 'format':71,185 'frame':176 'framework':44 'fred':37 'fund':81,99 'give':140 'given':278 'ground':231 'group':110 'hedg':98 'high':102,116 'hot':105 'identif':187 'incent':54,121,325 'influenc':260 'intent':75 'interest':23 'invest':136,268,282 'investment-counsel-fe':267 'job':154 'jr':39 'just-a-croupi':294 'keep':246 'know':289 'long':338 'lose':292 'low':146 'low-cost':145 'lower':201 'lower-conflict':200 'macro':92 'major':62 'market':86 'meme':107 'misalign':209 'modul':183,195 'modular':58 'momentum':111 'money':129 'multi':182 'multi-modul':181 'need':236 'newslett':90 'not-paid-in-commiss':271 'often':332 'orchestr':33 'output':70,177,184 'paid':273 'panic':113,312 'panic-buy-stock':311 'partial':206 'passag':340 'path':203 'person':173 'planner':80 'predict':93,291 'prediction-loses-sav':290 'prefer':143 'present':217 'prevent':333 'probability-and-risk':302 'probabl':303 'product':50,96 'propheci':256 'prophecy-commiss':255 'provid':172 'purpos':35 'question':64,254,322 'quot':223,239,247 'receiv':279 'record':164 'refer':238 'relev':194 'reliabl':21 'remind':319 'reproduc':337 'requir':215 'rich':317 'risk':305 'rout':72,76 'rule':73,124,221 'sale':160 'salesperson':82 'save':293 'schwed':6,38,191 'secur':263 'securities-created-to-sel':262 'sell':114,266,309 'separ':135 'serv':26 'short':249 'shown':168 'simpl':144,198 'skill':34,59 'skill-customers-yachts-wall-street-schwed' 'sourc':230,339 'source-simbajigege' 'specul':51,138 'status':211 'stock':108,314 'strategi':101 'street':5,9,42 'structur':95 'subskil':210,213,219 'subskills/broker-activity.md':122 'subskills/complexity-racket.md':104 'subskills/conflict-diagnostic.md':85 'subskills/forecasting-illusion.md':94 'subskills/speculator-psychology.md':115 'target':89 'test':192 'tip':106 'topic':242 'topic-agent-skills' 'topic-agentskills' 'topic-anthropic' 'topic-anthropic-claude' 'topic-book2skills' 'topic-growth-investing' 'topic-investing' 'topic-investing-skills' 'topic-skills' 'topic-stock-analysis' 'track':163 'trade':112,119 'treat':156 'trigger':11,67 'trust':15 'turnov':117 'unless':149 'use':222,300 'user':63,74,132,227 'verdict':204 'wall':4,8,41 'whose':22 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