Conciseness

The body is disciplined for its complexity — it explicitly refuses to re-teach finance theory ('runnable skeleton, not finance theory', 'Terse reference — not a finance textbook') and delegates base xlsx rules by pointer rather than restating them. However, the cache-drift rule is restated ~5 times (core principle 6, §Build-order & cache-drift, Step 7, Gate 5, Known Issues) and the write-order/deadlock warning appears both in Recipe C Step 3 and its own section, so it sits at the 4 anchor ('efficient; minor instances of over-explanation that could be trimmed') rather than the lean 5.

Actionability

Fully executable throughout: complete heredoc batch commands, jq verification one-liners, executable gate scripts with REJECT branches, and exact prop names claimed help-verified. Placeholder row numbers ('substitute your row numbers') are explicitly justified ('the logic is the check, not the cell addresses'). Matches the 5 anchor ('fully executable; copy-paste ready code or commands; specific examples cover the common cases'); a 4 would need minor gaps, and none materially block execution.

Workflow Clarity

Each recipe has a MANDATORY build order with dependency rationale, and the delivery gates (4, 5, 6, 5b, 6.1) form explicit validation checkpoints with feedback loops — REJECT messages name the fix ('move to Assumptions', 're-set after close (see §Build-order & cache-drift)'). This matches the 5 anchor ('clear sequence with explicit validation steps; feedback loops for error recovery'); the batch-operation cap at 3 does not apply because validation is pervasive.

Progressive Disclosure

No bundle files exist (no references/, scripts/, or assets/), so the entire ~556-line body — three full recipes, gates, and a large Known Issues section — is inlined in SKILL.md when the recipes clearly belong in separate reference files. The xlsx-v2 pointers are clearly signaled, but that is a cross-skill dependency, not bundle organization. This matches the 3 anchor ('some structure but could be better organized; content that should be separate is inline') better than the 4 anchor, which requires most content to be appropriately placed in separate files.

Specificity

The description enumerates multiple concrete deliverable types ('3-statement model, DCF valuation, LBO, SaaS unit economics, sensitivity / scenario analysis, debt schedule, or fundraising projections'), states the output artifact ('Output is a single formula-driven .xlsx'), and gives explicit routing boundaries. It matches the anchor 'lists multiple specific concrete actions; comprehensive coverage'; a 4 would require minor coverage gaps, and none are apparent for the financial-modeling domain.

Completeness

It explicitly answers both what ('build a financial model — [types] — in Excel. Output is a single formula-driven .xlsx') and when ('Use this skill when the user wants to... Trigger on: ...'), plus negative scope ('DO NOT invoke for a simple budget tracker, CSV dump, or operational KPI sheet'). This is the 5 anchor ('clearly and explicitly answers both what AND when with concrete trigger phrases'); a 4 would have a weaker 'when', which is not the case.

Trigger Term Quality

Trigger terms are extensive and natural — 'financial model', 'DCF', 'WACC', 'NPV', 'terminal value', 'LBO', 'debt schedule', 'cash sweep', 'MOIC', 'IRR / XIRR', 'sensitivity table', 'ARR model', 'CAC / LTV', 'cap table forecast' — covering synonyms, function names, and acronyms a user would actually say. This matches the 5 anchor ('comprehensive coverage of natural terms including synonyms'); a 4 would leave natural terms missing, and none are.

Distinctiveness Conflict Risk

It carves a clear niche ('scene layer on top of officecli-xlsx') and explicitly routes the overlapping cases away ('route those to officecli-xlsx base'), so conflict risk with the closely related base skill is minimized. Matches the 5 anchor ('clear niche with distinct triggers; minimal conflict risk'); a 4 would carry minor unresolved overlap, but the DO-NOT-INVOKE clause resolves it.