Add community skills, agents, system prompts from 22+ sources

Community Skills (32):
- jat: jat-start, jat-verify, jat-complete
- pi-mono: codex-cli, codex-5.3-prompting, interactive-shell
- picoclaw: github, weather, tmux, summarize, skill-creator
- dyad: 18 skills (swarm-to-plan, multi-pr-review, fix-issue, lint, etc.)
- dexter: dcf valuation skill

Agents (23):
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- toad: 19 agent configs (Claude, Codex, Gemini, Copilot, OpenCode, etc.)

System Prompts (91):
- Anthropic: 15 Claude prompts (opus-4.6, code, cowork, etc.)
- OpenAI: 49 GPT prompts (gpt-5 series, o3, o4-mini, tools)
- Google: 13 Gemini prompts (2.5-pro, 3-pro, workspace, cli)
- xAI: 5 Grok prompts
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Hooks (9):
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Prompts (6):
- pi-mono templates for PR review, issue analysis, changelog audit

Sources analyzed: jat, ralph-desktop, toad, pi-mono, cmux, pi-interactive-shell,
craft-agents-oss, dexter, picoclaw, dyad, system_prompts_leaks, Prometheus,
zed, clawdbot, OS-Copilot, and more

skills/community/dexter/dcf/SKILL.md

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+---
+name: dcf-valuation
+description: Performs discounted cash flow (DCF) valuation analysis to estimate intrinsic value per share. Triggers when user asks for fair value, intrinsic value, DCF, valuation, "what is X worth", price target, undervalued/overvalued analysis, or wants to compare current price to fundamental value.
+---
+
+# DCF Valuation Skill
+
+## Workflow Checklist
+
+Copy and track progress:
+```
+DCF Analysis Progress:
+- [ ] Step 1: Gather financial data
+- [ ] Step 2: Calculate FCF growth rate
+- [ ] Step 3: Estimate discount rate (WACC)
+- [ ] Step 4: Project future cash flows (Years 1-5 + Terminal)
+- [ ] Step 5: Calculate present value and fair value per share
+- [ ] Step 6: Run sensitivity analysis
+- [ ] Step 7: Validate results
+- [ ] Step 8: Present results with caveats
+```
+
+## Step 1: Gather Financial Data
+
+Call the `financial_search` tool with these queries:
+
+### 1.1 Cash Flow History
+**Query:** `"[TICKER] annual cash flow statements for the last 5 years"`
+
+**Extract:** `free_cash_flow`, `net_cash_flow_from_operations`, `capital_expenditure`
+
+**Fallback:** If `free_cash_flow` missing, calculate: `net_cash_flow_from_operations - capital_expenditure`
+
+### 1.2 Financial Metrics
+**Query:** `"[TICKER] financial metrics snapshot"`
+
+**Extract:** `market_cap`, `enterprise_value`, `free_cash_flow_growth`, `revenue_growth`, `return_on_invested_capital`, `debt_to_equity`, `free_cash_flow_per_share`
+
+### 1.3 Balance Sheet
+**Query:** `"[TICKER] latest balance sheet"`
+
+**Extract:** `total_debt`, `cash_and_equivalents`, `current_investments`, `outstanding_shares`
+
+**Fallback:** If `current_investments` missing, use 0
+
+### 1.4 Analyst Estimates
+**Query:** `"[TICKER] analyst estimates"`
+
+**Extract:** `earnings_per_share` (forward estimates by fiscal year)
+
+**Use:** Calculate implied EPS growth rate for cross-validation
+
+### 1.5 Current Price
+**Query:** `"[TICKER] price snapshot"`
+
+**Extract:** `price`
+
+### 1.6 Company Facts
+**Query:** `"[TICKER] company facts"`
+
+**Extract:** `sector`, `industry`, `market_cap`
+
+**Use:** Determine appropriate WACC range from [sector-wacc.md](sector-wacc.md)
+
+## Step 2: Calculate FCF Growth Rate
+
+Calculate 5-year FCF CAGR from cash flow history.
+
+**Cross-validate with:** `free_cash_flow_growth` (YoY), `revenue_growth`, analyst EPS growth
+
+**Growth rate selection:**
+- Stable FCF history → Use CAGR with 10-20% haircut
+- Volatile FCF → Weight analyst estimates more heavily
+- **Cap at 15%** (sustained higher growth is rare)
+
+## Step 3: Estimate Discount Rate (WACC)
+
+**Use the `sector` from company facts** to select the appropriate base WACC range from [sector-wacc.md](sector-wacc.md).
+
+**Default assumptions:**
+- Risk-free rate: 4%
+- Equity risk premium: 5-6%
+- Cost of debt: 5-6% pre-tax (~4% after-tax at 30% tax rate)
+
+Calculate WACC using `debt_to_equity` for capital structure weights.
+
+**Reasonableness check:** WACC should be 2-4% below `return_on_invested_capital` for value-creating companies.
+
+**Sector adjustments:** Apply adjustment factors from [sector-wacc.md](sector-wacc.md) based on company-specific characteristics.
+
+## Step 4: Project Future Cash Flows
+
+**Years 1-5:** Apply growth rate with 5% annual decay (multiply growth rate by 0.95, 0.90, 0.85, 0.80 for years 2-5). This reflects competitive dynamics.
+
+**Terminal value:** Use Gordon Growth Model with 2.5% terminal growth (GDP proxy).
+
+## Step 5: Calculate Present Value
+
+Discount all FCFs → sum for Enterprise Value → subtract Net Debt → divide by `outstanding_shares` for fair value per share.
+
+## Step 6: Sensitivity Analysis
+
+Create 3×3 matrix: WACC (base ±1%) vs terminal growth (2.0%, 2.5%, 3.0%).
+
+## Step 7: Validate Results
+
+Before presenting, verify these sanity checks:
+
+1. **EV comparison**: Calculated EV should be within 30% of reported `enterprise_value`
+   - If off by >30%, revisit WACC or growth assumptions
+
+2. **Terminal value ratio**: Terminal value should be 50-80% of total EV for mature companies
+   - If >90%, growth rate may be too high
+   - If <40%, near-term projections may be aggressive
+
+3. **Per-share cross-check**: Compare to `free_cash_flow_per_share × 15-25` as rough sanity check
+
+If validation fails, reconsider assumptions before presenting results.
+
+## Step 8: Output Format
+
+Present a structured summary including:
+1. **Valuation Summary**: Current price vs. fair value, upside/downside percentage
+2. **Key Inputs Table**: All assumptions with their sources
+3. **Projected FCF Table**: 5-year projections with present values
+4. **Sensitivity Matrix**: 3×3 grid varying WACC (±1%) and terminal growth (2.0%, 2.5%, 3.0%)
+5. **Caveats**: Standard DCF limitations plus company-specific risks