> For the complete documentation index, see [llms.txt](https://docs.questflow.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.questflow.ai/financial-harness/what-is-skill-md.md).

# What Is SKILL.md?

**Short answer:** `SKILL.md` is the public interface of an Investor Skill. It tells an AI finance agent when to load this judgment system, what inputs it needs, the process to run, how to format the answer, and what not to do. It is to a finance agent what a well-written tool description is to a coding agent.

## What belongs in it

* **name / description** — trigger text so the agent knows when to use Buffett vs Livermore
* **inputs** — what data plugins must supply
* **process** — ordered steps
* **output** — thesis, invalidation, size, or pass
* **guardrails** — do’s and don’ts
* optional pointer: `invest: ./invest.md`

Example front matter from the [Investor Skills](https://github.com/questflowai/investorskills) repo:

```yaml
name: buffett
description: Use when evaluating a business through Buffett-style ownership, moat, owner earnings, and margin of safety.
invest: ./invest.md
```

## Where it sits in the harness

The model reads `SKILL.md`. Plugins fill the inputs. Execution only happens after the process produces a bounded plan.

Related: What is an Investor Skill? · What is an investment schema?

*Nothing here is financial advice.*