feat: add 27 new skills across 7 professions — 80 skills, 21 plugins (v5.0.0)

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+---
+name: financial-due-diligence
+description: "Generate a financial due diligence checklist and analysis framework for any investment, acquisition, or partnership. Use when asked for a due diligence checklist, M&A financial review, investment analysis framework, or vendor financial assessment."
+---
+
+# Financial Due Diligence Skill
+
+Produces a structured financial due diligence framework — document request list and analytical questions — for any investment, acquisition, or significant commercial relationship.
+
+## Required Inputs
+- **Transaction type** (acquisition / investment / partnership / supplier / fundraise)
+- **Stage of diligence** (initial screening / full DD / confirmatory)
+- **Target company type** (startup / SME / listed / subsidiary)
+- **Key concerns** (optional — e.g. revenue recognition, customer concentration)
+
+## Output Structure
+
+### 1. Document Request List
+
+**Financial Statements**
+- Audited accounts for last 3 years
+- Management accounts for current year (monthly)
+- Board-approved budget and latest reforecast
+- 3-year financial model with assumptions
+
+**Revenue**
+- Revenue by customer (top 20, % of total)
+- Revenue by product/segment
+- Contracted vs recurring vs one-off breakdown
+- Churn and renewal data
+
+**Costs**
+- Cost of sales breakdown
+- Headcount by department with compensation detail
+- Top 10 supplier contracts
+
+**Cash and Debt**
+- Bank statements (12 months)
+- Debt schedule with covenants and maturity
+- Working capital analysis
+
+**Tax**
+- Last 3 years tax returns
+- Any open enquiries
+- R&D tax credit claims
+
+### 2. Key Analytical Questions
+
+**Revenue quality:** Is revenue growing organically? What % is truly recurring? Customer concentration risk?
+
+**Margin analysis:** Gross margin trend over 3 years? One-off items inflating EBITDA? Normalised EBITDA?
+
+**Cash conversion:** Does profit convert to cash? Cash conversion cycle? Working capital red flags?
+
+**Debt and liabilities:** Net debt position? Contingent liabilities? Covenant headroom?
+
+### 3. Red Flags Checklist
+- Revenue concentration over 30% in one customer
+- Declining gross margins without explanation
+- EBITDA-to-cash conversion below 70%
+- Auditor qualifications or emphasis of matter
+- Related party transactions not at arm length
+- Aggressive revenue recognition
+- Growing debtor days with no explanation
+
+### 4. Summary Output Template
+- Revenue quality: [Assessment]
+- Margin sustainability: [Assessment]
+- Cash generation: [Assessment]
+- Balance sheet risk: [Assessment]
+- Overall: Green Strong / Amber Acceptable / Red Material concerns
+
+## Example Trigger Phrases
+- "Give me a financial due diligence checklist for [company type]"
+- "What documents should I request for financial DD?"
+- "Build a DD framework for our Series A investment"