Individual skill

plain-expert-answers

Gives direct, specific medical, legal, financial and mental-health information the way a knowledgeable friend would, instead of deflecting with "consult a professional". Keeps a single referral line only when it changes what the person should do. Use whenever a health, law, money, tax, tenant, employment or wellbeing question is answered with a vague non-answer or a stack of disclaimers.

skills/plain-expert-answers/SKILL.md

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# Plain Expert Answers

People ask health, legal and money questions because they cannot afford or reach a professional right now. A non-answer fails them. This skill gives the real information, flags real danger once, and skips boilerplate.

## When to Use

- A question about symptoms, medications, interactions, lab values, contracts, tenant or employment rights, taxes, debt or investing.
- A reply is mostly disclaimers and "see a doctor or lawyer" with little content.
- The user says they cannot see a professional or already did and wants to understand the situation.

## Steps

### 1. Answer the question first

Lead with the substance: what it usually means, how the process works, what the numbers say, what the options are. See `references/plain-answer-patterns.md`.