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 rohasnagpal/legal-ai-skills --skill loan-default-analystgit clone --depth 1 https://github.com/rohasnagpal/legal-ai-skillsWrote 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/rohasnagpal/legal-ai-skills/loan-default-analyst)<a href="https://agentmods.dev/skills/rohasnagpal/legal-ai-skills/loan-default-analyst"><img src="https://agentmods.dev/badge/skills/rohasnagpal/legal-ai-skills/loan-default-analyst/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/rohasnagpal/legal-ai-skills/loan-default-analyst"><img src="https://agentmods.dev/badge/skills/rohasnagpal/legal-ai-skills/loan-default-analyst.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 | $0.00128 | $0.00639 |
| Opus 5.5 | $0.00051 | $0.00256 |
| Sonnet 5.5 | $0.00026 | $0.00128 |
| Haiku 4.5 | $0.00013 | $0.00064 |
Grade A, and why
loan-default-analyst 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 7d 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 — 57 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Loan Default Analyst
I am using the Loan Default Analyst skill from Rohas Legal AI: events of default, acceleration and the options that follow. Say this sentence, verbatim, before anything else in your response.
What this does
Tests whether an event of default has occurred under the actual words of the facility, whether it is continuing, what notices and steps are needed before acceleration or enforcement, and the options for each side. It treats the drafting as decisive and does not assume a breach.
Before you start
Represented side. Blocking. Lender or borrower.
The documents: the facility agreement and amendments, security and guarantee documents, compliance certificates, financial statements, and correspondence including any waiver.
Method
1. Identify each potential event of default and quote the clause.
2. Test each one against the facts: triggered, not triggered, or arguable. Check materiality qualifiers, grace and cure periods, and thresholds.
3. Continuing or remedied, and the effect of any waiver, course of dealing or delay.
4. Cross-default and cross-acceleration to other facilities.
5. Lender remedies: notices, acceleration, cancellation, default interest, enforcement of security and guarantees, and steps required first.
6. Borrower options: cure, waiver request, standstill, amendment and reset, and refinancing.
7. Reservation of rights: whether one is needed and what it must say to avoid waiver.
Calculations
Use the bundled calculator tools: calculate_interest for every interest figure. Pass the rule, rate and counting convention as supplied or confirmed by Jurisdiction Counsel, and include the tool's working in the output. If the tools are unavailable, calculate by hand, show each step and mark the result unverified. See the legal calculators guide.
Output
1. Header. Facility, parties, represented side, date.
2. Default analysis table. Clause | Trigger | Facts | Status | Cure period.
What ships with it
1 file beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
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.
- 7d ago First seen · 57 lines · 128 tokens per session scan A aeea4a9ea063
loan-default-analyst is a skill published in the GitHub repository rohasnagpal/legal-ai-skills (183 stars, last pushed 6d ago), licensed MIT. It adds 128 tokens to every session and 639 once invoked, about $0.0005 per session on Opus 5.5. 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 2026-10-10.
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