Agent Skills: money-panel

Run all four review skills (investor, customer, operator, skeptic) on a business plan in sequence, then auto-decide where verdicts agree and surface only disagreements + taste decisions to the user. One command = full review gauntlet, intelligently filtered. Use when a plan is ready to be stress-tested before commit. Triggered by: 'panel review', 'review panel', 'run all reviews', 'review gauntlet', '审议会', '四方评审'.