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 x3allamerican/skills --skill truck-financing-and-leasinggit clone --depth 1 https://github.com/x3allamerican/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/x3allamerican/skills/truck-financing-and-leasing)<a href="https://agentmods.dev/skills/x3allamerican/skills/truck-financing-and-leasing"><img src="https://agentmods.dev/badge/skills/x3allamerican/skills/truck-financing-and-leasing/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/x3allamerican/skills/truck-financing-and-leasing"><img src="https://agentmods.dev/badge/skills/x3allamerican/skills/truck-financing-and-leasing.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 | $0.00071 | $0.01919 |
| Opus 5.5 | $0.00028 | $0.00768 |
| Sonnet 5.5 | $0.00014 | $0.00384 |
| Haiku 4.5 | $0.00007 | $0.00192 |
Grade A, and why
truck-financing-and-leasing 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 1mo 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 — 179 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Truck Financing & Leasing
Buying a Class 8 truck costs $130,000-$200,000+. Most fleets + owner-operators finance. This skill covers the options + math.
The 5 main truck-financing paths
1. Conventional loan (own outright over time)
- Lender provides 80-90% of purchase price
- Term: 60 months (5 years) typical
- Interest: 7-12% APR for fleets; 9-15% for owner-operators
- Down payment: 10-20%
- Monthly payment: $2,200-$3,500/month
- At end: truck is fully owned
Pros: Build equity, no usage restrictions, tax depreciation Cons: Maintenance costs, depreciation risk, capital lockup
2. Lease (TRAC — Terminal Rental Adjustment Clause)
Most common fleet lease structure. Cap cost based on purchase price, less expected residual value.
- Monthly payment: $1,800-$3,000/month
- Term: 36-60 months
- At end: option to buy at residual (typically $50K-$90K for Class 8) or return truck
Pros: Lower monthly payment than purchase, off-balance-sheet (depending on accounting treatment), upgrade easily Cons: No equity built, mileage limitations (usually 100K-150K/year), conditioning fee at return
3. Lease-Purchase (for owner-operators)
Driver-targeted lease-to-own. Often offered by carriers as an entry pathway:
- 0-down OR minimal down (e.g., $1,000)
- Higher monthly payments ($1,200-$2,500/week deducted from settlement)
- 3-5 year term
- At end: truck is owned, OR driver buys at predetermined residual
Pros: Low entry barrier for owner-operator Cons: Often more expensive than direct financing; some carrier programs leave drivers underwater
4. Fair Market Value (FMV) lease
Open-ended lease where return value is determined at end:
- Lower monthly payments than TRAC
- End: pay difference between agreed FMV and actual market value (or return truck)
Pros: Lowest monthly cost Cons: Risk of large balloon payment at end if used market is weak
5. Operating lease (rental-style)
True rental — no purchase option, return at end:
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.
- 1mo ago First seen · 179 lines · 71 tokens per session scan A 45b40ac7771f
truck-financing-and-leasing is a skill published in the GitHub repository x3allamerican/skills (3 stars, last pushed 5mo ago), licensed Apache-2.0. It adds 71 tokens to every session and 1,919 once invoked, about $0.0003 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 2026-09-03.
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