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Security audit

refi-break-even-ranger

Security checks for vulnerabilities and agentic risk

Overview

This skill is a disclosed refinance calculator that runs local amortization math and does not show hidden access, persistence, or unsafe automation.

Treat the output as decision-support math, not financial advice. Before acting on a refinance, verify final Loan Estimates, closing costs, PMI/tax/insurance effects, and horizon assumptions with current lender documents or a qualified advisor.

A.I.G

Vulnerability Patterns
  • Skill Instruction HijackingAlters the agent's session goals or safety constraints when the skill loads
  • Agent Memory PoisoningWrites attacker-controlled rules into memory that affect later sessions
  • Remote Payload Retrieval and ExecutionFetches external code whose behavior can change after review
  • Embedded Malicious CodeShips malicious scripts inside the skill and executes them locally
  • Unauthorized Access and Privilege EscalationObtains permissions beyond the task's legitimate needs

SkillSpector

Vulnerability Patterns
  • Excessive AgencyUnrestricted Tool Access, Autonomous Decision Making, Scope Creep
  • Prompt InjectionInstruction Override, Hidden Instructions, Exfiltration Commands
  • Data ExfiltrationExternal Transmission, Env Variable Harvesting, File System Enumeration
  • Privilege EscalationExcessive Permissions, Sudo/Root Execution, Credential Access
  • Supply ChainUnpinned Dependencies, External Script Fetching, Obfuscated Code
Findings (1)

Scope Creep

Low
Category
Excessive Agency
Confidence
70% confidence
Finding

Skill's behavior or capabilities extend beyond its stated purpose. Scope creep allows an agent to perform actions unrelated to its documented functionality, increasing the attack surface.

Content

Scanner excerpt · SKILL.md (reported line 35)May include surrounding context.

md
- "I might move in 2-3 years — does refinancing still make sense?"

**Don't use for:** purchase-mortgage shopping (different cost structure), reverse mortgages,
or investment-property DSCR analysis (needs tax/rates context beyond scope).

## How It Works — Numbered Steps
1. Gather: current balance, rate, monthly payment (P&I), payments remaining; the offer's rate,

Static analysis

No suspicious patterns detected.