Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add DaizeDong/buy-me-a-car --skill lease-vs-cash-analyzergit clone --depth 1 https://github.com/DaizeDong/buy-me-a-carWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/daizedong/buy-me-a-car/lease-vs-cash-analyzer)<a href="https://agentmods.dev/skills/daizedong/buy-me-a-car/lease-vs-cash-analyzer"><img src="https://agentmods.dev/badge/skills/daizedong/buy-me-a-car/lease-vs-cash-analyzer/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/daizedong/buy-me-a-car/lease-vs-cash-analyzer"><img src="https://agentmods.dev/badge/skills/daizedong/buy-me-a-car/lease-vs-cash-analyzer.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00098 | $0.02836 |
| Opus 5 | $0.00049 | $0.01418 |
| Sonnet 5 | $0.00020 | $0.00567 |
| Haiku 4.5 | $0.00010 | $0.00284 |
Grade A, and why
lease-vs-cash-analyzer scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 205 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Lease vs Cash Analyzer
Caveat: this skill is one author's playbook + 5-scenario stress test. Verify state fees / CPO terms / EV credits / dealer practices against current sources before quoting numbers to a dealer or making financial decisions. Not tax, legal, or financial advice. last_verified: 2026-05-18 (Phase 3C sub-skill split from orchestrator)
Narrow helper: lease structure math, lease-vs-cash break-even, captive lender
policy lookup. Defers the full theory + worked tables to
../orchestrator/references/lease_playbook.md.
When To Use
- Buyer asks "should I lease or buy?" with a concrete vehicle + horizon
- Need to verify a dealer-quoted lease monthly is honest (MF buy-rate check)
- Need lease-end disposition / early-buyout policy for one OEM captive
NOTE, federal §45W lease pass-through is TERMINATED (acquired after 2025-09-30, OBBBA). The "EV buyer fails §30D AGI cap, so route to §45W lease pass-through" play is dead for any 2026 lease. Lessor captives can no longer capture the federal $7,500 commercial credit, so it is not available as cap cost reduction. Any "EV lease credit" a dealer advertises in 2026 is ordinary OEM lease cash / marketing money, NOT a federal credit. Do not present it as §45W pass-through or count it as a federal incentive. See the CRITICAL banner in
ev-buyer-helper. §45W content below is HISTORICAL only.
When NOT To Use
- General OTD cash math - delegate to
otd-calculator - EV federal credit status / state rebate stacking - delegate to
ev-buyer-helperfirst (federal §30D/§25E/§45W all terminated 2025-09-30; state rebates are the only live layer) - Pure CPO eligibility - delegate to
cpo-eligibility
Core Lease Formula
Monthly = ((CapCost - Residual) / Term) + (CapCost + Residual) * MF + Tax
Variables:
CapCost= MSRP - CapCostReduction - LeaseCash - ManufacturerRebate + AcquisitionFee + DealerAddOnsResidual= MSRP * Residual% (typical 50-65% at 36 mo)MF= APR / 2400 (money factor; dealer can mark up buy-rate)Term= 24 / 36 / 39 mo most common
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 205 lines · 98 tokens per session scan A cfda324232da
lease-vs-cash-analyzer is a skill published in the GitHub repository DaizeDong/buy-me-a-car (5 stars, last pushed 8d ago), licensed MIT. It adds 98 tokens to every session and 2,836 once invoked, about $0.0005 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
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