style: format all files with prettier

plugins/startup-business-analyst/commands/financial-projections.md

@@ -1,6 +1,7 @@
 ---
 description: "Create detailed 3-5 year financial model with revenue, costs, cash flow, and scenarios"
-allowed-tools: ["Read", "Write", "Edit", "Glob", "Grep", "Bash", "WebSearch", "WebFetch"]
+allowed-tools:
+  ["Read", "Write", "Edit", "Glob", "Grep", "Bash", "WebSearch", "WebFetch"]
 ---
 
 # Financial Projections
@@ -10,6 +11,7 @@ Create a comprehensive 3-5 year financial model with revenue projections, cost s
 ## What This Command Does
 
 This command builds a complete financial model including:
+
 1. Cohort-based revenue projections
 2. Detailed cost structure (COGS, S&M, R&D, G&A)
 3. Headcount planning by role
@@ -26,34 +28,40 @@ When this command is invoked, follow these steps:
 Ask the user for essential information:
 
 **Business Model:**
+
 - Revenue model (SaaS, marketplace, transaction, etc.)
 - Pricing structure (tiers, average price)
 - Target customer segments
 
 **Starting Point:**
+
 - Current MRR/ARR (if any)
 - Current customer count
 - Current team size
 - Current cash balance
 
 **Growth Assumptions:**
+
 - Expected monthly customer acquisition
 - Customer retention/churn rate
 - Average contract value (ACV)
 - Sales cycle length
 
 **Cost Assumptions:**
+
 - Gross margin or COGS %
 - S&M budget or CAC target
 - Current burn rate (if applicable)
 
 **Funding:**
+
 - Planned fundraising (amount, timing)
 - Pre/post-money valuation
 
 ### Step 2: Activate startup-financial-modeling Skill
 
 The startup-financial-modeling skill provides frameworks. Reference it for:
+
 - Revenue modeling approaches
 - Cost structure templates
 - Headcount planning guidance
@@ -64,18 +72,21 @@ The startup-financial-modeling skill provides frameworks. Reference it for:
 **Use Cohort-Based Approach:**
 
 For each month, track:
+
 1. New customers acquired
 2. Existing customers retained (apply churn)
 3. Revenue per cohort (customers × ARPU)
 4. Expansion revenue (upsells)
 
 **Formula:**
+
 ```
 MRR (Month N) = Σ across all cohorts:
   (Cohort Size × Retention Rate × ARPU) + Expansion
 ```
 
 **Project:**
+
 - Monthly detail for Year 1-2
 - Quarterly detail for Year 3
 - Annual for Years 4-5
@@ -85,29 +96,34 @@ MRR (Month N) = Σ across all cohorts:
 Break down operating expenses:
 
 **1. Cost of Goods Sold (COGS)**
+
 - Hosting/infrastructure (% of revenue or fixed)
 - Payment processing (% of revenue)
 - Variable customer support
 - Third-party services
 
 Target gross margin:
+
 - SaaS: 75-85%
 - Marketplace: 60-70%
 - E-commerce: 40-60%
 
 **2. Sales & Marketing (S&M)**
+
 - Sales team compensation
 - Marketing programs
 - Tools and software
 - Target: 40-60% of revenue (early stage)
 
 **3. Research & Development (R&D)**
+
 - Engineering team
 - Product management
 - Design
 - Target: 30-40% of revenue
 
 **4. General & Administrative (G&A)**
+
 - Executive team
 - Finance, legal, HR
 - Office and facilities
@@ -118,11 +134,13 @@ Target gross margin:
 Create role-by-role hiring plan:
 
 **Reference team-composition-analysis skill for:**
+
 - Roles by stage
 - Compensation benchmarks
 - Hiring velocity assumptions
 
 **For each role:**
+
 - Title and department
 - Start date (month/quarter)
 - Base salary
@@ -130,6 +148,7 @@ Create role-by-role hiring plan:
 - Equity grant
 
 **Track departmental ratios:**
+
 - Engineering: 40-50% of team
 - Sales & Marketing: 25-35%
 - G&A: 10-15%
@@ -151,6 +170,7 @@ Runway = Cash Balance / Monthly Burn Rate
 ```
 
 **Include Funding Events:**
+
 - Timing of raises
 - Amount raised
 - Use of proceeds
@@ -161,17 +181,20 @@ Runway = Cash Balance / Monthly Burn Rate
 Calculate monthly/quarterly:
 
 **Unit Economics:**
+
 - CAC (S&M spend / new customers)
 - LTV (ARPU × margin% / churn rate)
 - LTV:CAC ratio (target > 3.0)
 - CAC payback period (target < 18 months)
 
 **Efficiency Metrics:**
+
 - Burn multiple (net burn / net new ARR) - target < 2.0
 - Magic number (net new ARR / S&M spend) - target > 0.5
 - Rule of 40 (growth% + margin%) - target > 40%
 
 **Cash Metrics:**
+
 - Monthly burn rate
 - Runway in months
 - Cash efficiency
@@ -181,16 +204,19 @@ Calculate monthly/quarterly:
 Build conservative, base, and optimistic projections:
 
 **Conservative (P10):**
+
 - New customers: -30% vs. base
 - Churn: +20% vs. base
 - Pricing: -15% vs. base
 - CAC: +25% vs. base
 
 **Base (P50):**
+
 - Most likely assumptions
 - Primary planning scenario
 
 **Optimistic (P90):**
+
 - New customers: +30% vs. base
 - Churn: -20% vs. base
 - Pricing: +15% vs. base
@@ -201,11 +227,13 @@ Build conservative, base, and optimistic projections:
 Create comprehensive markdown report with tables:
 
 **Section 1: Executive Summary**
+
 - 3-5 year financial snapshot
 - Key metrics at scale
 - Funding requirements
 
 **Section 2: Model Assumptions**
+
 - Revenue model and pricing
 - Growth assumptions
 - Cost structure assumptions
@@ -213,12 +241,14 @@ Create comprehensive markdown report with tables:
 
 **Section 3: Revenue Projections**
 Monthly/quarterly tables showing:
+
 ```
 | Month | New Customers | Total Customers | MRR | ARR | Growth % |
 |-------|---------------|-----------------|-----|-----|----------|
 ```
 
 **Section 4: Cost Breakdown**
+
 ```
 | Department | Year 1 | Year 2 | Year 3 | % Revenue |
 |------------|--------|--------|--------|-----------|
@@ -229,6 +259,7 @@ Monthly/quarterly tables showing:
 ```
 
 **Section 5: Headcount Plan**
+
 ```
 | Department | Current | Year 1 | Year 2 | Year 3 |
 |------------|---------|--------|--------|--------|
@@ -236,12 +267,14 @@ Monthly/quarterly tables showing:
 ```
 
 **Section 6: Cash Flow Analysis**
+
 ```
 | Quarter | Revenue | Expenses | Net Burn | Cash Balance | Runway |
 |---------|---------|----------|----------|--------------|--------|
 ```
 
 **Section 7: Key Metrics**
+
 ```
 | Metric | Year 1 | Year 2 | Year 3 | Target |
 |--------|--------|--------|--------|--------|
@@ -251,6 +284,7 @@ Monthly/quarterly tables showing:
 ```
 
 **Section 8: Scenario Analysis**
+
 ```
 | Scenario | Year 3 ARR | Customers | Burn | Runway |
 |----------|------------|-----------|------|--------|
@@ -260,12 +294,14 @@ Monthly/quarterly tables showing:
 ```
 
 **Section 9: Funding Requirements**
+
 - Amount needed
 - Use of proceeds breakdown
 - Milestones to achieve
 - Expected valuation impact
 
 **Section 10: Validation**
+
 - Sanity checks performed
 - Benchmark comparisons
 - Risk factors
@@ -274,6 +310,7 @@ Monthly/quarterly tables showing:
 ### Step 10: Save Model
 
 Offer to save as markdown file:
+
 - Suggest filename: `financial-projections-YYYY-MM-DD.md`
 - Include note that user can convert to Excel/Sheets
 - Provide formulas for key calculations
@@ -281,6 +318,7 @@ Offer to save as markdown file:
 ## Financial Model Best Practices
 
 **Do:**
+
 - Use cohort-based revenue model
 - Include 3 scenarios
 - Show monthly detail (Year 1-2)
@@ -291,6 +329,7 @@ Offer to save as markdown file:
 - Include fundraising milestones
 
 **Don't:**
+
 - Be overly optimistic on growth
 - Underestimate costs
 - Forget fully-loaded compensation
@@ -302,6 +341,7 @@ Offer to save as markdown file:
 ## Integration with Other Commands
 
 Pairs well with:
+
 - `/market-opportunity` - Use SOM for revenue ceiling
 - `/business-case` - Include projections in business case