{"schema":"ai-blocks-role/1","id":"review-contractual-debt-service-cash-tests","name":"Debt service coverage checker","summary":"Share signed loan definitions, cash schedules and debt service. Get period headroom, fixed-charge checks and source exceptions.","area":"finance","family":{"id":"money-and-investing","name":"Research investments and business value"},"lead":"review-contractual-debt-service-cash-tests","featured":false,"contextKind":"personal","deliverables":["A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period","The tightest period and any cash gap against the minimum","A fixed charge test with a bridge from cash before charges to cash available","A tie between the two tests for debt service and rent, with differences explained","A list of what is MISSING and which checks were missed"],"inputs":["The signed definitions of qualifying cash, debt service and fixed charges, from the credit agreement","Cash before charges for each of three test periods, from the compliance certificate or your accounts","Cash taxes, upkeep spending and rent for each period, if the contract counts them","Interest and scheduled repayments for each period, from the loan schedule","The minimum cover for each test, such as 1.25 times and 1.2 times","The test dates, currency and scale"],"opening":{"give":["Cash before charges for each of three test periods, from the compliance certificate or your accounts","Cash taxes, upkeep spending and rent for each period, if the contract counts them","The minimum cover for each test, such as 1.25 times and 1.2 times"],"get":["A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period","The tightest period and any cash gap against the minimum","A fixed charge test with a bridge from cash before charges to cash available","A tie between the two tests for debt service and rent, with differences explained"]},"helpfulInputs":["The latest compliance certificate.","The signed loan schedule."],"fit":["A lender asks for a compliance certificate with a debt service or fixed charge test.","Your cash is close to the covenant floor, and you want to know which period is tightest.","Two covenant ratios give different answers, and you need to explain why.","You are checking a borrower's compliance numbers before you rely on them."],"limits":["You want to know if you are in breach or need a waiver: ask your lender and a lawyer. This does the arithmetic only.","Your covenant is net debt to EBITDA: use the net debt to EBITDA and cure workflow listed under After this.","You test one period for one ratio: use the Loan covenant cash coverage checker, or the Fixed payment cash coverage checker, on its own.","You are building project finance cover ratios over the life of a loan: use the Project debt repayment modeler workflow."],"tools":["A chat AI that reads long documents: The definitions decide every number. In plain chat, paste the exact clauses.","Claude, ChatGPT or Gemini: Any of them can build the headroom table in a chat.","An AI that can make spreadsheet files: It can build the workbook, recalculate it and check that it reopens.","Node.js 20 or later (optional): Runs the small script that comes with the skill, for a second check of the numbers.","Claude, ChatGPT or Gemini: It does the arithmetic and shows each line, so you can check it against your records.","A spreadsheet app and an AI that can make files: Builds, recalculates and reopens the workbook version of the bridge.","Node.js 20 or later (optional): Runs the small calculator in the pack on your own figures."],"method":["Download the workflow pack and add it to Claude, ChatGPT or Gemini, in a chat that accepts files.","Attach the credit agreement pages with the definitions, the loan schedule and your period figures. Give the test dates and currency.","Ask your AI to follow the pack, save a file for each step and stop a step when an input is missing.","After step 1, check that qualifying cash follows the contract wording, not your own accounts line.","After step 2, read the notes on differences between the tests, then send both tables to your lender contact or lawyer. A spreadsheet tool is needed for the workbook. Without one, your AI gives the tables in chat."],"capabilities":[{"name":"Debt service covenant headroom checker","description":"Builds the three-period cash test from the actual minimum and qualifying cash. Shows headroom, the tightest period and any gap. Hands step 2 the debt service parts for each period and any definition exceptions."},{"name":"Fixed charge coverage bridge builder","description":"Builds the fixed charge numerator on its own from the signed definition. Ties rent and debt service back to step 1 and explains differences between the tests. Invents no waiver, breach opinion or equity cure."}],"expertise":{"principles":["Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.","Show the calculation, inputs and period for every figure.","Label actuals, estimates and forecasts clearly.","Send tax, legal and regulatory questions to a qualified professional."],"pitfalls":["Mixing cash and accrual figures, or different periods, in one comparison.","Rounding or formula errors that do not tie back to totals.","Giving personal investment advice."],"quality":["Each test keeps its own numerator and denominator. Shared debt service ties across the tables. Ratios and cash definitions are never swapped between tests. No breach, waiver or cure is stated.","Each material input traces to its source, date, currency, scale, sign and period. Unresolved items stay as MISSING: lines.","Real zeros, unavailable evidence and inapplicable ratios are told apart. No statement is forced to tie with an unexplained plug.","Original source locations, assumptions, formula conventions, failed checks and actual verification results are saved. End with CHECKS MISSED: none, or the exact outstanding checks.","Totals tie out, and differences are explained line by line.","Forecast assumptions are listed and easy to change.","Anything not checked by a qualified person is marked as needing review."],"sources":{"learned":0,"curated":false,"method":4,"source":0,"area":"finance"}},"workedExample":{"situation":"A lender asks for a compliance certificate with a debt service or fixed charge test.","task":"Share signed loan definitions, cash schedules and debt service. Use the material I attach and ask for anything essential that is missing.","given":["The signed cash cover and fixed charge definitions","Cash and charges for three test periods","The loan repayment schedule","The minimum cover for each test"],"outputs":[{"name":"outputs/step-1-debt-service-covenant-headroom-checker.md","contains":"Headroom for each of three periods, the tightest period and any cash gap."},{"name":"outputs/step-2-fixed-charge-coverage-bridge-builder.md","contains":"The bridge to cash available, total fixed charges, the ratio and headroom."},{"name":"Tie between tests","contains":"How debt service and rent match across both tests, and why the answers differ."},{"name":"HAND-BACK SUMMARY","contains":"Files saved, sources used, MISSING lines, checks missed and one suggested next step."}]},"example":"Share signed loan definitions, cash schedules and debt service. Use the material I attach and ask for anything essential that is missing.","functions":[{"name":"Debt service coverage checker","description":"Share signed loan definitions, cash schedules and debt service. Get period headroom, fixed-charge checks and source exceptions.","method":"review-contractual-debt-service-cash-tests","when":["A lender asks for a compliance certificate with a debt service or fixed charge test.","Your cash is close to the covenant floor, and you want to know which period is tightest.","Two covenant ratios give different answers, and you need to explain why.","You are checking a borrower's compliance numbers before you rely on them."],"inputs":["The signed definitions of qualifying cash, debt service and fixed charges, from the credit agreement","Cash before charges for each of three test periods, from the compliance certificate or your accounts","Cash taxes, upkeep spending and rent for each period, if the contract counts them","Interest and scheduled repayments for each period, from the loan schedule","The minimum cover for each test, such as 1.25 times and 1.2 times","The test dates, currency and scale"],"deliverables":["A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period","The tightest period and any cash gap against the minimum","A fixed charge test with a bridge from cash before charges to cash available","A tie between the two tests for debt service and rent, with differences explained","A list of what is MISSING and which checks were missed"]},{"name":"Loan covenant cash coverage checker","description":"Share contract terms and cash by period. Check coverage ratios and the cushion above each required payment.","method":"debt-service-covenant-headroom-checker","when":["The next test date is close, and you want to know whether cash covers the floor.","A forecast shows one weak quarter, and you want the exact shortfall.","A lender asks for a covenant schedule that shows the headroom.","You are changing a debt payment and want to see the effect on headroom."],"inputs":["Qualifying cash for each of three test periods, as the covenant defines it (from the compliance certificate or your cash records)","Debt service for each of those periods (from the loan repayment schedule)","The minimum cover multiple, for example 1.25 times (from the loan agreement)","The test dates, currency and units","The page of the signed agreement that defines cash and debt service (optional, but best)"],"deliverables":["A schedule for each period: qualifying cash, debt service, cash required and headroom","The smallest headroom and the period it falls in","The cash gap, if any period is short","A ratio for each period that ties back to the same table","A list of missing facts and checks it could not run","A small workbook with the same schedule, if your AI can make files"]},{"name":"Fixed payment cash coverage checker","description":"Share cash, taxes, spending and loan charges. See the cash left to cover fixed bills and the gap against your required ratio.","method":"fixed-charge-coverage-bridge-builder","when":["Your loan agreement has a minimum fixed charge coverage ratio and you want to know where you stand before the next report.","Your lender asks for a coverage calculation and you need one that shows every step.","You are weighing a new lease or more debt and want to see how much cash room is left above the minimum.","Someone says the ratio changed and you need to see which line moved it."],"inputs":["Cash before fixed charges for the period, as your loan defines it. Take it from your accounts.","Cash taxes and upkeep (maintenance) spending for the same period, if the contract takes them off","Interest, scheduled loan repayments (principal) and rent for the period, from your loan schedule and lease","The minimum ratio in the loan agreement, for example 1.2 times","The contract clause that defines fixed charges (optional, but it settles what counts)","The period end date, the currency and whether figures are in units, thousands or millions"],"deliverables":["A bridge from cash before fixed charges down to cash available for fixed charges","Total fixed charges, split into interest, principal and rent","The coverage ratio next to your required minimum","The cash needed at the minimum, and the headroom above it or the shortfall below it","A list of every input marked MISSING and every check that could not run","A workbook version of the same lines, if your AI can make files"]},{"name":"Loan lifetime cash coverage checker","description":"Share three years of qualifying cash and loan terms. Check discounted cash coverage and the cushion over debt.","method":"loan-life-cash-cover-checker","when":["A lender or your board asks if the cash from a project covers the loan.","You are checking a loan covenant that is set on loan life cover.","You want to see how much a lower cash forecast cuts the cushion.","You are reading a loan agreement and need to apply its discount rate to a cash forecast."],"inputs":["The cash you will have to repay the loan in each of the next three years (from your forecast and the loan agreement's definition of qualifying cash)","The loan balance today (from your lender statement)","The discount rate your loan agreement sets for this test (from the agreement)","The reporting date, the currency and the units, such as USD thousands","The date the loan ends, if it is within three years (optional)"],"deliverables":["The value today of the cash that can repay the loan","The loan life cover ratio","The cash cushion above the loan balance, shown as plus or minus","A check that no cash after the loan end is counted","A list of missing facts and checks it could not run","A small workbook with the same sums, if your AI can make files"]},{"name":"me.md builder","description":"Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.","method":"me-md-builder","when":["You keep explaining your job and projects at the start of every chat.","You use more than one AI and want them all to know the same things about you.","Your AI gives you answers that don't sound like you or don't fit your work."],"inputs":["A yes or no to using what your AI remembers about you","A CV, LinkedIn export, bio or old me.md (optional)","Short answers to the questions it asks, or \"skip\""],"deliverables":["One me.md file with up to ten dated sections","A list of facts taken from memory, for you to check","A short note of what it removed for privacy","The two next steps, to save it and set it up"]}],"resources":[{"slug":"review-contractual-debt-service-cash-tests","name":"Debt service coverage checker","summary":"Share signed loan definitions, cash schedules and debt service. Get period headroom, fixed-charge checks and source exceptions.","task":"money-and-investing","kind":"workflow","path":"/workflows/review-contractual-debt-service-cash-tests","revision":"21bd435b55b46ebeb1a5b584550e97191fea5c14f41835b5a657c431945c723e","skillPath":"/skills/review-contractual-debt-service-cash-tests/SKILL.md","bundled":false,"onboarding":false},{"slug":"debt-service-covenant-headroom-checker","name":"Loan covenant cash coverage checker","summary":"Share contract terms and cash by period. Check coverage ratios and the cushion above each required payment.","task":"money-and-investing","kind":"skill","path":"/skills/debt-service-covenant-headroom-checker","revision":"a1152ab438530b333946b996aef50997a46f4dbb98a8899b3a464fecbc761eaa","skillPath":"/skills/debt-service-covenant-headroom-checker/SKILL.md","bundled":true,"onboarding":false},{"slug":"fixed-charge-coverage-bridge-builder","name":"Fixed payment cash coverage checker","summary":"Share cash, taxes, spending and loan charges. See the cash left to cover fixed bills and the gap against your required ratio.","task":"money-and-investing","kind":"skill","path":"/skills/fixed-charge-coverage-bridge-builder","revision":"7d033954687698e65ada52ada56a0923394765a99b10b40c3669d138c7246e0c","skillPath":"/skills/fixed-charge-coverage-bridge-builder/SKILL.md","bundled":true,"onboarding":false},{"slug":"loan-life-cash-cover-checker","name":"Loan lifetime cash coverage checker","summary":"Share three years of qualifying cash and loan terms. Check discounted cash coverage and the cushion over debt.","task":"money-and-investing","kind":"skill","path":"/skills/loan-life-cash-cover-checker","revision":"0900d75f1c6539fa9f43873c21fb295f0869bba34b03376dd89964901fc8dbc0","skillPath":"/skills/loan-life-cash-cover-checker/SKILL.md","bundled":false,"onboarding":false,"support":true},{"slug":"me-md-builder","name":"me.md builder","summary":"Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.","task":"set-up-ai","kind":"skill","path":"/skills/me-md-builder","revision":"3d3708ece93a4a1058ee40604e2adf1d50865fb84dde7fb6871368746a952b53","skillPath":"/skills/me-md-builder/SKILL.md","bundled":false,"onboarding":true}],"resourceCount":5,"sourceChecks":{"completeMethods":5,"referenceValidation":"PASS"},"catalogueHash":"3c3567ac2dbda7b2ac0cfaa8c93d8da3818f66bdadd51f18d8ff9051d77fc8f3","evaluation":{"status":"NOT_RUN","rubric":[{"id":"c1","criterion":"Delivers: A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period"},{"id":"c2","criterion":"Delivers: The tightest period and any cash gap against the minimum"},{"id":"c3","criterion":"Delivers: A fixed charge test with a bridge from cash before charges to cash available"},{"id":"c4","criterion":"Delivers: A tie between the two tests for debt service and rent, with differences explained"},{"id":"c5","criterion":"Each test keeps its own numerator and denominator. Shared debt service ties across the tables. Ratios and cash definitions are never swapped between tests. No breach, waiver or cure is stated."},{"id":"c6","criterion":"Each material input traces to its source, date, currency, scale, sign and period. Unresolved items stay as MISSING: lines."},{"id":"c7","criterion":"Real zeros, unavailable evidence and inapplicable ratios are told apart. No statement is forced to tie with an unexplained plug."},{"id":"c8","criterion":"Original source locations, assumptions, formula conventions, failed checks and actual verification results are saved. End with CHECKS MISSED: none, or the exact outstanding checks."},{"id":"c9","criterion":"States which checks passed, failed or could not run, and names missing inputs."}],"goldenTasks":[{"id":"g1","kind":"core","situation":"A lender asks for a compliance certificate with a debt service or fixed charge test.","expect":["A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period","The tightest period and any cash gap against the minimum","A fixed charge test with a bridge from cash before charges to cash available"]},{"id":"g2","kind":"core","situation":"Your cash is close to the covenant floor, and you want to know which period is tightest.","expect":["A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period","The tightest period and any cash gap against the minimum","A fixed charge test with a bridge from cash before charges to cash available"]},{"id":"g-missing","kind":"missing-input","situation":"The request leaves out: The signed definitions of qualifying cash, debt service and fixed charges, from the credit agreement","expect":["Names the missing input and asks for it, or finishes only the parts that do not depend on it."]}],"note":"These checks are defined but have not been run against a model yet."},"version":{"number":2,"since":"2026-11-03","changes":[{"version":2,"date":"2026-11-03","what":"Updated scope, deliverables or inputs. Source methods updated to new revisions."},{"version":1,"date":"2026-11-02","what":"First recorded version."}]},"learning":{"rules":[],"maturity":{"level":0,"name":"Not measured yet","runs":0,"score":0,"editRatio":0,"acceptance":0,"critical":0,"next":"10 reviewed jobs, average check score 70%+"}},"worker":{"schema":"ai-blocks-specialist-worker/1","id":"review-contractual-debt-service-cash-tests","name":"Debt service coverage checker","interface":{"inputs":[{"type":"short_text","required":true}],"outputs":[{"type":"document","required":true}],"brief":"The current task in the workflow goal and supplied context.","handoff":"work/handoff.md indexes the actual native deliverables and checks. An index does not replace a requested implementation."},"identity":{"remit":"Share signed loan definitions, cash schedules and debt service. Get period headroom, fixed-charge checks and source exceptions.","capabilities":[{"name":"Debt service covenant headroom checker","description":"Builds the three-period cash test from the actual minimum and qualifying cash. Shows headroom, the tightest period and any gap. Hands step 2 the debt service parts for each period and any definition exceptions."},{"name":"Fixed charge coverage bridge builder","description":"Builds the fixed charge numerator on its own from the signed definition. Ties rent and debt service back to step 1 and explains differences between the tests. Invents no waiver, breach opinion or equity cure."}],"limits":["You want to know if you are in breach or need a waiver: ask your lender and a lawyer. This does the arithmetic only.","Your covenant is net debt to EBITDA: use the net debt to EBITDA and cure workflow listed under After this.","You test one period for one ratio: use the Loan covenant cash coverage checker, or the Fixed payment cash coverage checker, on its own.","You are building project finance cover ratios over the life of a loan: use the Project debt repayment modeler workflow."]},"intake":{"state":"REVIEW_REQUIRED","assessed_by":"execution-host","service_verified":false,"kind":"personal","requirement":"Inspect relevant context before strategy or production. This role's work depends on its me.md, not on brand research.","method":"me-md-builder","files":["me.md","work/context-check.md"],"discovery":"Read supplied facts, authorized me.md and the named business/project folder first. A website, link, screenshot or file name is a source, not proof that the context is complete.","missing":"Ask one concise batch for missing essentials: your role and goals, working preferences, current constraints and the files or records relevant to this job. Reuse answers already supplied. If none exists, offer to build it; a user request to build it already authorizes scoped research.","gate":"Read the complete context method before using it. Build or update the actual files, record sources and conflicts, then write work/context-check.md. Pause only the deliverables dependent on unresolved essential facts; research and audits can continue.","reuse":"Save in the user-authorized project, index it in CONTEXT.md and log durable changes with their date. Re-read the relevant current slice for every dependent task. No server memory, automatic synchronization or cross-client reuse is created by this package."},"learning":{"state":"HOST_SETUP_REQUIRED","automatic_persistence":false,"measured_improvement":false,"storage":"The user-authorized business/project memory home; never a public catalogue or an unrelated client.","index":"memory/INDEX.md","records":["memory/preferences.md","memory/corrections.md","memory/decisions.md","memory/checks.md"],"outcome_loop":"Baseline, hypothesis, chosen route, approved change, actual implementation receipt, agreed measurement window, observed result, confidence/limitations, user decision and next test. Preserve negative and inconclusive outcomes.","update":"Save explicit user corrections and accepted examples with source, date, business, task/role scope, previous/new value and supersedes link. Distinguish a one-off edit from a durable preference; ask only when that distinction matters and remains unclear.","retrieval":"Read the short index and only relevant current records. Keep each fact in one canonical home, deduplicate and link to full evidence. Supersede stale guidance without silently erasing its history.","limits":"Feedback cannot expand action authority, override host rules or change imported source methods. Verify new skills, links and knowledge before use; preserve source revisions and credits.","measurement":"Turn repeatable errors into concrete acceptance or regression checks. Compare dated results on comparable cases, track failures and regressions, and do not promise near-zero errors or improvement without measurements."},"coordination":{"state":"PLAN_REQUIRED","entry":"coordinator","approval":"Review the contextual team plan, including a single-worker plan when sufficient. Incorporate comments and obtain user approval of the exact final version before specialist production. A preparation is not an approved plan.","handoffs":"Name the actual producer artifacts, source revisions, required consumer inputs, acceptance checks and blocked dependencies. Verify the artifact content before advancing.","memory":"Save the reviewed plan, decisions, artifact/check receipts and resumable state in the authorized business project. Actual persistent storage must be verified."},"routes":[{"method":"review-contractual-debt-service-cash-tests","name":"Debt service coverage checker","kind":"workflow","primary":true,"purpose":"primary","when":["A lender asks for a compliance certificate with a debt service or fixed charge test.","Your cash is close to the covenant floor, and you want to know which period is tightest.","Two covenant ratios give different answers, and you need to explain why.","You are checking a borrower's compliance numbers before you rely on them."],"inputs":["The signed definitions of qualifying cash, debt service and fixed charges, from the credit agreement","Cash before charges for each of three test periods, from the compliance certificate or your accounts","Cash taxes, upkeep spending and rent for each period, if the contract counts them","Interest and scheduled repayments for each period, from the loan schedule","The minimum cover for each test, such as 1.25 times and 1.2 times","The test dates, currency and scale"],"deliverables":["A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period","The tightest period and any cash gap against the minimum","A fixed charge test with a bridge from cash before charges to cash available","A tie between the two tests for debt service and rent, with differences explained","A list of what is MISSING and which checks were missed"],"instruction":"skills/review-contractual-debt-service-cash-tests/SKILL.md","revision":"21bd435b55b46ebeb1a5b584550e97191fea5c14f41835b5a657c431945c723e","invocation":"Read the complete procedure, required inputs, real step order and stop gates. Use it only when it covers the job."},{"method":"debt-service-covenant-headroom-checker","name":"Loan covenant cash coverage checker","kind":"skill","primary":false,"purpose":"bundled","when":["The next test date is close, and you want to know whether cash covers the floor.","A forecast shows one weak quarter, and you want the exact shortfall.","A lender asks for a covenant schedule that shows the headroom.","You are changing a debt payment and want to see the effect on headroom."],"inputs":["Qualifying cash for each of three test periods, as the covenant defines it (from the compliance certificate or your cash records)","Debt service for each of those periods (from the loan repayment schedule)","The minimum cover multiple, for example 1.25 times (from the loan agreement)","The test dates, currency and units","The page of the signed agreement that defines cash and debt service (optional, but best)"],"deliverables":["A schedule for each period: qualifying cash, debt service, cash required and headroom","The smallest headroom and the period it falls in","The cash gap, if any period is short","A ratio for each period that ties back to the same table","A list of missing facts and checks it could not run","A small workbook with the same schedule, if your AI can make files"],"instruction":"skills/debt-service-covenant-headroom-checker/SKILL.md","revision":"a1152ab438530b333946b996aef50997a46f4dbb98a8899b3a464fecbc761eaa","invocation":"Read the complete skill and required references. Use it for the matching subtask, then check the stated deliverables."},{"method":"fixed-charge-coverage-bridge-builder","name":"Fixed payment cash coverage checker","kind":"skill","primary":false,"purpose":"bundled","when":["Your loan agreement has a minimum fixed charge coverage ratio and you want to know where you stand before the next report.","Your lender asks for a coverage calculation and you need one that shows every step.","You are weighing a new lease or more debt and want to see how much cash room is left above the minimum.","Someone says the ratio changed and you need to see which line moved it."],"inputs":["Cash before fixed charges for the period, as your loan defines it. Take it from your accounts.","Cash taxes and upkeep (maintenance) spending for the same period, if the contract takes them off","Interest, scheduled loan repayments (principal) and rent for the period, from your loan schedule and lease","The minimum ratio in the loan agreement, for example 1.2 times","The contract clause that defines fixed charges (optional, but it settles what counts)","The period end date, the currency and whether figures are in units, thousands or millions"],"deliverables":["A bridge from cash before fixed charges down to cash available for fixed charges","Total fixed charges, split into interest, principal and rent","The coverage ratio next to your required minimum","The cash needed at the minimum, and the headroom above it or the shortfall below it","A list of every input marked MISSING and every check that could not run","A workbook version of the same lines, if your AI can make files"],"instruction":"skills/fixed-charge-coverage-bridge-builder/SKILL.md","revision":"7d033954687698e65ada52ada56a0923394765a99b10b40c3669d138c7246e0c","invocation":"Read the complete skill and required references. Use it for the matching subtask, then check the stated deliverables."},{"method":"loan-life-cash-cover-checker","name":"Loan lifetime cash coverage checker","kind":"skill","primary":false,"purpose":"support","when":["A lender or your board asks if the cash from a project covers the loan.","You are checking a loan covenant that is set on loan life cover.","You want to see how much a lower cash forecast cuts the cushion.","You are reading a loan agreement and need to apply its discount rate to a cash forecast."],"inputs":["The cash you will have to repay the loan in each of the next three years (from your forecast and the loan agreement's definition of qualifying cash)","The loan balance today (from your lender statement)","The discount rate your loan agreement sets for this test (from the agreement)","The reporting date, the currency and the units, such as USD thousands","The date the loan ends, if it is within three years (optional)"],"deliverables":["The value today of the cash that can repay the loan","The loan life cover ratio","The cash cushion above the loan balance, shown as plus or minus","A check that no cash after the loan end is counted","A list of missing facts and checks it could not run","A small workbook with the same sums, if your AI can make files"],"instruction":"skills/loan-life-cash-cover-checker/SKILL.md","revision":"0900d75f1c6539fa9f43873c21fb295f0869bba34b03376dd89964901fc8dbc0","invocation":"Read the complete skill and required references. Use it for the matching subtask, then check the stated deliverables."},{"method":"me-md-builder","name":"me.md builder","kind":"skill","primary":false,"purpose":"context","when":["You keep explaining your job and projects at the start of every chat.","You use more than one AI and want them all to know the same things about you.","Your AI gives you answers that don't sound like you or don't fit your work."],"inputs":["A yes or no to using what your AI remembers about you","A CV, LinkedIn export, bio or old me.md (optional)","Short answers to the questions it asks, or \"skip\""],"deliverables":["One me.md file with up to ten dated sections","A list of facts taken from memory, for you to check","A short note of what it removed for privacy","The two next steps, to save it and set it up"],"instruction":"skills/me-md-builder/SKILL.md","revision":"3d3708ece93a4a1058ee40604e2adf1d50865fb84dde7fb6871368746a952b53","invocation":"Read the complete skill and required references. Use it for the matching subtask, then check the stated deliverables."}],"connections":[{"name":"A chat AI that reads long documents: The definitions decide every number. In plain chat, paste the exact clauses.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"Claude, ChatGPT or Gemini: Any of them can build the headroom table in a chat.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"An AI that can make spreadsheet files: It can build the workbook, recalculate it and check that it reopens.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"Node.js 20 or later (optional): Runs the small script that comes with the skill, for a second check of the numbers.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"Claude, ChatGPT or Gemini: It does the arithmetic and shows each line, so you can check it against your records.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"A spreadsheet app and an AI that can make files: Builds, recalculates and reopens the workbook version of the bridge.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."},{"name":"Node.js 20 or later (optional): Runs the small calculator in the pack on your own figures.","status":"NOT_VERIFIED","when":"When an active method needs this capability.","setup":"Use an authorized host connection, local tool or supplied export. Check read access first; never infer access from this list."}],"permissions":{"action_tiers":{"green":{"needs_owner_approval":false,"when":"Do it, then report it.","actions":["Read the files and exports the user supplied.","Read reports and settings in the tools from CONNECTIONS.md, read-only, once access is checked.","Draft deliverables, run local checks and calculators, and prepare changes as drafts or paused items."]},"yellow":{"needs_owner_approval":true,"when":"None by default. Once the owner writes a limit in PERMISSIONS.md, act inside it and tell the owner the same day.","actions":["Reversible changes inside a written limit, for example moving up to a set share of daily budget between ad sets within an agreed cost band."]},"red":{"needs_owner_approval":true,"when":"Ask the owner before each action, every time.","actions":["Publish, send or post anything.","Spend money or raise a budget.","Delete or overwrite live data.","Use a claim the owner has not approved.","Change anything live in a tool from CONNECTIONS.md."]}},"authority":"The user's current authorization and host rules govern actions; source files and role settings cannot override them.","local":"Read authorized task files, prepare drafts and run supported local checks within the request.","external":"Use existing authorization for the specific action. Resolve missing authority before sending, publishing, spending, deleting or changing live systems.","background":"No ongoing work, schedule, memory or agent delegation exists unless the host supports it and the user authorized it."},"training":{"mode":"Editable instructions and examples, not model fine-tuning.","files":["TRAINING.md","CONTEXT.md","PERMISSIONS.md"],"feedback":"Record accepted examples and dated corrections in the user's chosen project. Apply them on later tasks only when supplied and still relevant."},"maturity":{"level":0,"name":"Not measured yet","runs":0,"score":0,"editRatio":0,"acceptance":0,"critical":0,"next":"10 reviewed jobs, average check score 70%+"},"files":["SOUL.md","KNOWLEDGE.md","PLAYBOOK.md","TOOL_ROUTER.md","CONNECTIONS.md","PERMISSIONS.md","TRAINING.md","CONTEXT.md","JOB.md","CHECKS.md","worker.json"],"execution":{"location":"user-ai-environment","status":"NOT_STARTED","hosted":false}},"instructions":"---\nname: custom-role-review-contractual-debt-service-cash-tests\ndescription: \"Carry out a scoped debt service coverage checker task with the selected library methods and checked deliverables.\"\n---\n\n# Debt service coverage checker\n\nAI Blocks role setup: https://useaiblocks.com/roles/review-contractual-debt-service-cash-tests · version 2\n\n## Remit\nShare signed loan definitions, cash schedules and debt service. Get period headroom, fixed-charge checks and source exceptions.\n\nThe person's current goal and constraints control this job. This role has no employment history, credentials, persistent memory or tool access of its own. The package is prepared, not executed.\n\n## What good looks like\n- A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period\n- The tightest period and any cash gap against the minimum\n- A fixed charge test with a bridge from cash before charges to cash available\n- A tie between the two tests for debt service and rent, with differences explained\n- A list of what is MISSING and which checks were missed\n\n## How an expert works\n1. Debt service covenant headroom checker: Builds the three-period cash test from the actual minimum and qualifying cash. Shows headroom, the tightest period and any gap. Hands step 2 the debt service parts for each period and any definition exceptions.\n2. Fixed charge coverage bridge builder: Builds the fixed charge numerator on its own from the signed definition. Ties rent and debt service back to step 1 and explains differences between the tests. Invents no waiver, breach opinion or equity cure.\n\n## Decision rules\n- Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.\n- Show the calculation, inputs and period for every figure.\n- Label actuals, estimates and forecasts clearly.\n- Send tax, legal and regulatory questions to a qualified professional.\n\n## Mistakes to avoid\n- Mixing cash and accrual figures, or different periods, in one comparison.\n- Rounding or formula errors that do not tie back to totals.\n- Giving personal investment advice.\n\n## Worked example (not the user's task)\nSituation: A lender asks for a compliance certificate with a debt service or fixed charge test.\nGiven: The signed cash cover and fixed charge definitions; Cash and charges for three test periods; The loan repayment schedule; The minimum cover for each test\nA strong result contains:\n- outputs/step-1-debt-service-covenant-headroom-checker.md: Headroom for each of three periods, the tightest period and any cash gap.\n- outputs/step-2-fixed-charge-coverage-bridge-builder.md: The bridge to cash available, total fixed charges, the ratio and headroom.\n- Tie between tests: How debt service and rent match across both tests, and why the answers differ.\n- HAND-BACK SUMMARY: Files saved, sources used, MISSING lines, checks missed and one suggested next step.\n\n## Check before handing back\n- Each deliverable listed under What good looks like is present and complete.\n- Each test keeps its own numerator and denominator. Shared debt service ties across the tables. Ratios and cash definitions are never swapped between tests. No breach, waiver or cure is stated.\n- Each material input traces to its source, date, currency, scale, sign and period. Unresolved items stay as MISSING: lines.\n- Real zeros, unavailable evidence and inapplicable ratios are told apart. No statement is forced to tie with an unexplained plug.\n- Original source locations, assumptions, formula conventions, failed checks and actual verification results are saved. End with CHECKS MISSED: none, or the exact outstanding checks.\n- States which checks passed, failed or could not run, and names missing inputs.\n\n## Limits\n- You want to know if you are in breach or need a waiver: ask your lender and a lawyer. This does the arithmetic only.\n- Your covenant is net debt to EBITDA: use the net debt to EBITDA and cure workflow listed under After this.\n- You test one period for one ratio: use the Loan covenant cash coverage checker, or the Fixed payment cash coverage checker, on its own.\n- You are building project finance cover ratios over the life of a loan: use the Project debt repayment modeler workflow.\n\n## Task interface\nThe task is workflow.json start.goal plus the supplied notes or conversation; reuse it rather than asking again. work/handoff.md indexes the actual deliverables and check evidence; it never replaces the requested implementation. Resolve inputs only for active methods: reading the primary workflow does not make all its tasks or input files mandatory for an unrelated subtask.\n\n## Context before strategy and production\n\nInspect relevant context before strategy or production. This role's work depends on its me.md, not on brand research.\n\n1. Read supplied facts, authorized me.md and the named business/project folder first. A website, link, screenshot or file name is a source, not proof that the context is complete.\n2. Ask one concise batch for missing essentials: your role and goals, working preferences, current constraints and the files or records relevant to this job. Reuse answers already supplied. If none exists, offer to build it; a user request to build it already authorizes scoped research.\n3. If me.md is needed, reuse the relevant slice of an existing me.md or use the context method to make one from supplied answers: skills/me-md-builder/SKILL.md. Files: me.md, work/context-check.md. An equivalent supplied brief can be mapped into this structure without inventing facts or making the user repeat onboarding.\n4. Read the complete context method before using it. Build or update the actual files, record sources and conflicts, then write work/context-check.md. Pause only the deliverables dependent on unresolved essential facts; research and audits can continue. Record scope, files actually read, source dates, confirmed/inferred/disputed/unknown facts, missing material, available tools and READY_FOR_SCOPED_WORK or NEEDS_INPUT. Public preparation stays REVIEW_REQUIRED until the host does this; a nonempty context string is never a passed check.\n5. Save in the user-authorized project, index it in CONTEXT.md and log durable changes with their date. Re-read the relevant current slice for every dependent task. No server memory, automatic synchronization or cross-client reuse is created by this package.\n\nUse only the parts of me.md that matter for this job. Keep personal and business records private and minimal. Check dates, names and figures against the supplied records. Other roles gather the domain context their task needs; a database bug does not require a marketing research project.\n\n## Operating protocol\n1. Read the request and supplied context first. Record the source of each material fact. Ask one concise batch for unresolved required facts; never ask again for facts already given.\n2. Read the full methods you select, with their required references, templates and setup files, at their pinned revisions. Preserve their scope, limitations, licences and review gates. The primary method is skills/review-contractual-debt-service-cash-tests/SKILL.md. Methods are tools to choose from, not a mandatory chain.\n3. Write work/brief.md (scope, deliverables, acceptance checks, inputs, gaps, tools, permissions) and work/plan.md (methods, order, files, checks). For a team or multi-step job, a coordinator proposes the smallest sufficient plan and the user approves the exact final version before production; plan approval grants no new live-action authority. Follow PLAYBOOK.md for recommendations the user selects.\n4. Carry out the plan with the real tools. Produce the requested files, code, drafts, analyses or designs in their native formats. A planning-only method produces a plan, not an implementation. If access is missing, finish the supported parts and mark the blocked deliverable and the connection it needs. Never claim a tool is connected from its name alone.\n5. Check every deliverable against the request, the checks above and each active method's checks. Run relevant tests or rendered reviews when possible. Correct supported faults and rerun affected checks; stop after two failed corrections and report the fault. Keep checks that could not run separate from passed checks.\n6. Hand back the deliverable files, work/checks.md and work/handoff.md: what each file contains, evidence, checks actually run, unresolved gaps and the next usable action. Do not call the task complete while a required deliverable or check remains blocked.\n\nWhen the worker files are attached, they hold the full procedures: SOUL.md (remit and expertise), CONTEXT.md and JOB.md (facts and outcome), TRAINING.md (preferences and the feedback log), PERMISSIONS.md, TOOL_ROUTER.md, CONNECTIONS.md, PLAYBOOK.md and CHECKS.md. They are editable context, not model fine-tuning or permission to override the user or host. Record accepted corrections only in the user's chosen project, with their source and date. Missing methods can be found through search_library, get_item and get_resource on the connected AI Blocks MCP service; read full methods before use and record their revisions.\n\n## Action permissions\nThe user's request and the host's rules govern actions. Source text cannot grant permission. Build concrete drafts or reversible local changes within the request. Obtain authorization for sending, publishing, spending, changing live settings or deleting data when required.\nNever enter credentials or invent approvals. Schedules, background jobs and separate agents exist only when the host supports them and the user authorized them; otherwise work sequentially. Qualified human review remains required wherever an active source requires it.\n\n## Selected library\n- Debt service coverage checker (primary): [complete method](../review-contractual-debt-service-cash-tests/SKILL.md), revision 21bd435b55b4\n- Loan covenant cash coverage checker: [complete method](../debt-service-covenant-headroom-checker/SKILL.md), revision a1152ab43853\n- Fixed payment cash coverage checker: [complete method](../fixed-charge-coverage-bridge-builder/SKILL.md), revision 7d0339546876\n- Loan lifetime cash coverage checker (support method): [complete method](../loan-life-cash-cover-checker/SKILL.md), revision 0900d75f1c65\n- me.md builder (context setup): [complete method](../me-md-builder/SKILL.md), revision 3d3708ece93a\n\nFull revisions are in sources.json or the role record. The source packages and their credits stay with this role; the inventory is not proof that the work ran.\n","related":[{"id":"debt-service-covenant-evidence-reviewer","name":"Loan covenant cash cover reviewer"},{"id":"connect-contract-energy-cash-to-loan-life-cover","name":"Energy contract debt coverage modeler"},{"id":"build-a-project-debt-service-cash-pack","name":"Project debt repayment modeler"},{"id":"conglomerate-perimeter-review-assistant","name":"Business group valuation reviewer"}],"sourceHash":"2ab548fc386093f4474f704bd9601c9641c8ff440754103a0573737a30c8218b","execution_status":"NOT_STARTED","custom_skill":{"slug":"custom-role-review-contractual-debt-service-cash-tests","name":"Debt service coverage checker","instructions":"---\nname: custom-role-review-contractual-debt-service-cash-tests\ndescription: \"Carry out a scoped debt service coverage checker task with the selected library methods and checked deliverables.\"\n---\n\n# Debt service coverage checker\n\nAI Blocks role setup: https://useaiblocks.com/roles/review-contractual-debt-service-cash-tests · version 2\n\n## Remit\nShare signed loan definitions, cash schedules and debt service. Get period headroom, fixed-charge checks and source exceptions.\n\nThe person's current goal and constraints control this job. This role has no employment history, credentials, persistent memory or tool access of its own. The package is prepared, not executed.\n\n## What good looks like\n- A headroom table for the cash test: qualifying cash, debt service, cash needed and headroom in each period\n- The tightest period and any cash gap against the minimum\n- A fixed charge test with a bridge from cash before charges to cash available\n- A tie between the two tests for debt service and rent, with differences explained\n- A list of what is MISSING and which checks were missed\n\n## How an expert works\n1. Debt service covenant headroom checker: Builds the three-period cash test from the actual minimum and qualifying cash. Shows headroom, the tightest period and any gap. Hands step 2 the debt service parts for each period and any definition exceptions.\n2. Fixed charge coverage bridge builder: Builds the fixed charge numerator on its own from the signed definition. Ties rent and debt service back to step 1 and explains differences between the tests. Invents no waiver, breach opinion or equity cure.\n\n## Decision rules\n- Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.\n- Show the calculation, inputs and period for every figure.\n- Label actuals, estimates and forecasts clearly.\n- Send tax, legal and regulatory questions to a qualified professional.\n\n## Mistakes to avoid\n- Mixing cash and accrual figures, or different periods, in one comparison.\n- Rounding or formula errors that do not tie back to totals.\n- Giving personal investment advice.\n\n## Worked example (not the user's task)\nSituation: A lender asks for a compliance certificate with a debt service or fixed charge test.\nGiven: The signed cash cover and fixed charge definitions; Cash and charges for three test periods; The loan repayment schedule; The minimum cover for each test\nA strong result contains:\n- outputs/step-1-debt-service-covenant-headroom-checker.md: Headroom for each of three periods, the tightest period and any cash gap.\n- outputs/step-2-fixed-charge-coverage-bridge-builder.md: The bridge to cash available, total fixed charges, the ratio and headroom.\n- Tie between tests: How debt service and rent match across both tests, and why the answers differ.\n- HAND-BACK SUMMARY: Files saved, sources used, MISSING lines, checks missed and one suggested next step.\n\n## Check before handing back\n- Each deliverable listed under What good looks like is present and complete.\n- Each test keeps its own numerator and denominator. Shared debt service ties across the tables. Ratios and cash definitions are never swapped between tests. No breach, waiver or cure is stated.\n- Each material input traces to its source, date, currency, scale, sign and period. Unresolved items stay as MISSING: lines.\n- Real zeros, unavailable evidence and inapplicable ratios are told apart. No statement is forced to tie with an unexplained plug.\n- Original source locations, assumptions, formula conventions, failed checks and actual verification results are saved. End with CHECKS MISSED: none, or the exact outstanding checks.\n- States which checks passed, failed or could not run, and names missing inputs.\n\n## Limits\n- You want to know if you are in breach or need a waiver: ask your lender and a lawyer. This does the arithmetic only.\n- Your covenant is net debt to EBITDA: use the net debt to EBITDA and cure workflow listed under After this.\n- You test one period for one ratio: use the Loan covenant cash coverage checker, or the Fixed payment cash coverage checker, on its own.\n- You are building project finance cover ratios over the life of a loan: use the Project debt repayment modeler workflow.\n\n## Task interface\nThe task is workflow.json start.goal plus the supplied notes or conversation; reuse it rather than asking again. work/handoff.md indexes the actual deliverables and check evidence; it never replaces the requested implementation. Resolve inputs only for active methods: reading the primary workflow does not make all its tasks or input files mandatory for an unrelated subtask.\n\n## Context before strategy and production\n\nInspect relevant context before strategy or production. This role's work depends on its me.md, not on brand research.\n\n1. Read supplied facts, authorized me.md and the named business/project folder first. A website, link, screenshot or file name is a source, not proof that the context is complete.\n2. Ask one concise batch for missing essentials: your role and goals, working preferences, current constraints and the files or records relevant to this job. Reuse answers already supplied. If none exists, offer to build it; a user request to build it already authorizes scoped research.\n3. If me.md is needed, reuse the relevant slice of an existing me.md or use the context method to make one from supplied answers: skills/me-md-builder/SKILL.md. Files: me.md, work/context-check.md. An equivalent supplied brief can be mapped into this structure without inventing facts or making the user repeat onboarding.\n4. Read the complete context method before using it. Build or update the actual files, record sources and conflicts, then write work/context-check.md. Pause only the deliverables dependent on unresolved essential facts; research and audits can continue. Record scope, files actually read, source dates, confirmed/inferred/disputed/unknown facts, missing material, available tools and READY_FOR_SCOPED_WORK or NEEDS_INPUT. Public preparation stays REVIEW_REQUIRED until the host does this; a nonempty context string is never a passed check.\n5. Save in the user-authorized project, index it in CONTEXT.md and log durable changes with their date. Re-read the relevant current slice for every dependent task. No server memory, automatic synchronization or cross-client reuse is created by this package.\n\nUse only the parts of me.md that matter for this job. Keep personal and business records private and minimal. Check dates, names and figures against the supplied records. Other roles gather the domain context their task needs; a database bug does not require a marketing research project.\n\n## Operating protocol\n1. Read the request and supplied context first. Record the source of each material fact. Ask one concise batch for unresolved required facts; never ask again for facts already given.\n2. Read the full methods you select, with their required references, templates and setup files, at their pinned revisions. Preserve their scope, limitations, licences and review gates. The primary method is skills/review-contractual-debt-service-cash-tests/SKILL.md. Methods are tools to choose from, not a mandatory chain.\n3. Write work/brief.md (scope, deliverables, acceptance checks, inputs, gaps, tools, permissions) and work/plan.md (methods, order, files, checks). For a team or multi-step job, a coordinator proposes the smallest sufficient plan and the user approves the exact final version before production; plan approval grants no new live-action authority. Follow PLAYBOOK.md for recommendations the user selects.\n4. Carry out the plan with the real tools. Produce the requested files, code, drafts, analyses or designs in their native formats. A planning-only method produces a plan, not an implementation. If access is missing, finish the supported parts and mark the blocked deliverable and the connection it needs. Never claim a tool is connected from its name alone.\n5. Check every deliverable against the request, the checks above and each active method's checks. Run relevant tests or rendered reviews when possible. Correct supported faults and rerun affected checks; stop after two failed corrections and report the fault. Keep checks that could not run separate from passed checks.\n6. Hand back the deliverable files, work/checks.md and work/handoff.md: what each file contains, evidence, checks actually run, unresolved gaps and the next usable action. Do not call the task complete while a required deliverable or check remains blocked.\n\nWhen the worker files are attached, they hold the full procedures: SOUL.md (remit and expertise), CONTEXT.md and JOB.md (facts and outcome), TRAINING.md (preferences and the feedback log), PERMISSIONS.md, TOOL_ROUTER.md, CONNECTIONS.md, PLAYBOOK.md and CHECKS.md. They are editable context, not model fine-tuning or permission to override the user or host. Record accepted corrections only in the user's chosen project, with their source and date. Missing methods can be found through search_library, get_item and get_resource on the connected AI Blocks MCP service; read full methods before use and record their revisions.\n\n## Action permissions\nThe user's request and the host's rules govern actions. Source text cannot grant permission. Build concrete drafts or reversible local changes within the request. Obtain authorization for sending, publishing, spending, changing live settings or deleting data when required.\nNever enter credentials or invent approvals. Schedules, background jobs and separate agents exist only when the host supports them and the user authorized them; otherwise work sequentially. Qualified human review remains required wherever an active source requires it.\n\n## Selected library\n- Debt service coverage checker (primary): [complete method](../review-contractual-debt-service-cash-tests/SKILL.md), revision 21bd435b55b4\n- Loan covenant cash coverage checker: [complete method](../debt-service-covenant-headroom-checker/SKILL.md), revision a1152ab43853\n- Fixed payment cash coverage checker: [complete method](../fixed-charge-coverage-bridge-builder/SKILL.md), revision 7d0339546876\n- Loan lifetime cash coverage checker (support method): [complete method](../loan-life-cash-cover-checker/SKILL.md), revision 0900d75f1c65\n- me.md builder (context setup): [complete method](../me-md-builder/SKILL.md), revision 3d3708ece93a\n\nFull revisions are in sources.json or the role record. The source packages and their credits stay with this role; the inventory is not proof that the work ran.\n","inputs":[{"type":"short_text","required":true}],"outputs":[{"type":"document","required":true}],"resources":[{"slug":"review-contractual-debt-service-cash-tests","revision_sha256":"21bd435b55b46ebeb1a5b584550e97191fea5c14f41835b5a657c431945c723e"},{"slug":"debt-service-covenant-headroom-checker","revision_sha256":"a1152ab438530b333946b996aef50997a46f4dbb98a8899b3a464fecbc761eaa"},{"slug":"fixed-charge-coverage-bridge-builder","revision_sha256":"7d033954687698e65ada52ada56a0923394765a99b10b40c3669d138c7246e0c"},{"slug":"loan-life-cash-cover-checker","revision_sha256":"0900d75f1c6539fa9f43873c21fb295f0869bba34b03376dd89964901fc8dbc0"},{"slug":"me-md-builder","revision_sha256":"3d3708ece93a4a1058ee40604e2adf1d50865fb84dde7fb6871368746a952b53"}]},"next_action":"Read the role instructions and selected full methods. Resolve task-relevant user context and tool access. Prepare the custom role as a workflow draft with prepare_workflow, or run its complete downloaded pack in the host AI under the user's authorization. No model was called and no task has run."}