goww7

Use at the start of any Halal Terminal / Shariah investing session. Checks the user has an API key (runs setup inline if not), then routes to the right sub-skill (verdict / audit / builder / etf / zakat / methodologies / news-watch / watchlist), detects audience (retail / advisor / scholar), applies the non-fatwa disclaimer, and warns Free-plan users approaching quota.

Surface news and SEC filings that could change a holding's Shariah-compliance status (debt raises, new business lines, major acquisitions, spin-offs, dividend policy changes). Use when the user asks for news affecting compliance or filings on their holdings.

Construct a Shariah-compliant portfolio from user constraints (capital, DCA cadence, horizon, sector/theme, exclusions like "no tech", growth/value tilt). Dispatches to a subagent that does the heavy MCP work; returns basket + weights + monthly DCA schedule + scenario forecast. Does NOT audit existing portfolios (that's halal-portfolio-audit).

Use when the user asks whether a specific stock is Shariah-compliant ("Is X halal?", "Screen TSLA", "Compliance of AAPL"). Produces a single-stock verdict across all 5 methodologies (AAOIFI, DJIM, FTSE, MSCI, S&P), explains any failures, and suggests a halal alternative if non-compliant. Does NOT cover ETFs (use halal-etf-analysis) or portfolios (use halal-portfolio-audit).

Use when the user asks about the Shariah compliance of an ETF (SPY, QQQ, VTI, sector ETFs, etc.) or asks for halal ETF alternatives. Screens all underlying holdings, returns overall compliant %, purification, and suggests halal ETF alternatives when the ETF fails.

Educate the user on Shariah screening methodologies (AAOIFI, DJIM, FTSE, MSCI, S&P). Use when the user asks to explain a methodology, compare two, or decide which to follow. Does NOT screen individual stocks (that's halal-verdict).

Audit an existing portfolio (list of holdings with weights or values) for Shariah compliance. Produces per-stock results, aggregate compliant %, purification owed, and remediation suggestions for non-compliant names. Does NOT build new portfolios (that's halal-portfolio-builder).

Create, view, modify, or delete stock watchlists with compliance status attached to each symbol. Use when the user wants to track stocks for later screening / monitoring.

Calculate zakat owed on a stock/ETF portfolio (the obligatory ~2.5% alms) from market values against the nisab threshold. Use for "calculate my zakat", "how much zakat do I owe on my holdings", or zakat on a specific set of positions.

Search, look up, and assess sukuk (Islamic fixed income / "halal bonds") by issuer, country, structure, currency, ISIN, or issuer LEI. Use for sukuk discovery, building a sukuk shortlist, or checking a single sukuk instrument's structure and compliance basis.

Suggests halal-compliant replacements for a failing holding, theme, or benchmark exposure. Use when the user wants alternatives, substitutions, or fresh Shariah-compliant ideas.

Runs a full Shariah portfolio audit across multiple stocks and ETFs. Use for portfolio screening, compliance concentration review, unresolved names, and action-oriented portfolio summaries.

Reviews one stock or ETF for Shariah compliance, methodology differences, purification implications, and investability. Use when the user asks if a ticker is halal, wants a compliance verdict, or needs a decision-ready memo on one asset.

Monitors a watchlist, portfolio, or symbol set for Shariah compliance drift via trajectory + staleness insights, then surfaces filings, earnings, and material events. Use when the user asks what changed, what to monitor, which names need re-screening, or runs /monitor.

Performs discounted cash flow (DCF) valuation analysis to estimate intrinsic value per share. Triggers when user asks for fair value, intrinsic value, DCF, valuation, "what is X worth", price target, undervalued/overvalued analysis, or wants to compare current price to fundamental value.

Analyzes dividend purification for one or more holdings and explains what is known, missing, or method-dependent. Use for purification amount questions, dividend cleansing, or income-quality reviews.

Use when the user asks whether an AI feature is EU AI Act compliant, needs an AI-system risk classification, or needs an Article 50 transparency notice / disclosure copy for a user-facing AI feature. For non-financial SaaS and technology products. Not for financial-services AI (banking, trading, investment, credit) — those are out of scope.