feat: refactor 30+ skills to Anthropic progressive disclosure pattern

- All SKILL.md files now <500 lines (avg reduction 69%)
- Detailed content extracted to references/ subdirectories
- Frontmatter standardised: only name + description (Anthropic standard)
- New skills: brand-guidelines, spec-coauthor, report-templates, skill-creator
- Design skills: anti-slop guidelines, premium-proposals reference
- Removed non-standard frontmatter fields (triggers, version, author, category)

Plugins affected: infraestrutura, marketing, dev-tools, crm-ops, gestao,
core-tools, negocio, perfex-dev, wordpress, design-media

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

negocio/skills/product/references/roadmap-sprint-templates.md

@@ -0,0 +1,162 @@
+# Product - Templates de Roadmap e Sprint
+
+## Template Roadmap Quadrimestral
+
+```markdown
+# Product Roadmap Q1-Q3 2026
+
+## Q1 (Jan-Abr): Foundation
+**Theme:** Stabilize core + basic integrations
+**Goal:** 100 active users, NPS > 40
+
+### Epic 1: Core Functionality Polish
+- [ ] Performance optimization (< 2s load)
+- [ ] Mobile responsive
+- [ ] Error handling robusto
+
+### Epic 2: Basic Integrations
+- [ ] Slack notifications
+- [ ] Google Calendar sync
+- [ ] Email templates
+
+**Milestone:** MVP Launch (31 Mar)
+**Success Metrics:**
+- 50 signups/week
+- 40% activation rate
+- < 10% churn
+
+---
+
+## Q2 (Mai-Ago): Growth
+**Theme:** Expand features + virality
+**Goal:** 500 active users, NPS > 50
+
+### Epic 3: Collaboration Features
+- [ ] Team workspaces
+- [ ] Comments & mentions
+- [ ] Activity feed
+
+### Epic 4: Growth Loops
+- [ ] Invite system (referral)
+- [ ] Public templates gallery
+- [ ] Embeddable widgets
+
+**Milestone:** Product-Market Fit (31 Ago)
+**Success Metrics:**
+- 1000 signups total
+- 50% M1 retention
+- NRR > 100%
+
+---
+
+## Q3 (Set-Dez): Scale
+**Theme:** Enterprise readiness
+**Goal:** 2000 active users, ARR > 100kEUR
+
+### Epic 5: Enterprise Features
+- [ ] SSO/SAML
+- [ ] Advanced permissions
+- [ ] Audit logs
+- [ ] Custom branding
+
+### Epic 6: API & Integrations
+- [ ] Public API v1
+- [ ] Zapier integration
+- [ ] Webhooks
+
+**Milestone:** Enterprise Ready (31 Dez)
+```
+
+## Template User Story
+
+```markdown
+## US-123: Export dashboard to PDF
+
+### User Story
+Como [Product Manager]
+Quero [exportar dashboard para PDF com branding personalizado]
+Para que [possa partilhar relatorios profissionais com stakeholders externos]
+
+### Context
+- Users pedem isto em 60% dos support tickets
+- Concorrentes ja tem (Competitor A, B)
+- Workaround actual: screenshots (nao profissional)
+
+### Acceptance Criteria
+Given [estou no dashboard com dados carregados]
+When [clico em "Export PDF"]
+Then [sistema gera PDF em < 5s com:
+  - Logo da empresa
+  - Data do relatorio
+  - Todos os graficos (vectorial)
+  - Tabela de dados resumida
+  - Footer com marca d'agua]
+
+And [recebo notificacao quando PDF pronto]
+And [posso fazer download ou enviar por email]
+
+### Edge Cases
+- [ ] Dashboard sem dados -> mostrar "No data" no PDF
+- [ ] Dashboard com 100+ items -> paginar automaticamente
+- [ ] Logo nao carregado -> usar placeholder
+
+### Definition of Done
+- [ ] Codigo completo e reviewed
+- [ ] Testes unitarios (> 80% coverage)
+- [ ] Testes E2E (happy path + edge cases)
+- [ ] Documentacao API actualizada
+- [ ] Changelog entry
+- [ ] Deployed to staging
+- [ ] QA sign-off
+- [ ] Product Manager review
+
+### Effort Estimate
+Story Points: 5 (Fibonacci: 1, 2, 3, 5, 8, 13)
+Dev: 2 days | QA: 0.5 days | Total: 2.5 days
+```
+
+## Template Sprint (2 semanas)
+
+```markdown
+# Sprint 23 (3-14 Fev 2026)
+
+## Sprint Goal
+"Users podem exportar dashboards profissionais e partilhar com stakeholders"
+
+## Team Capacity
+- 3 developers x 8 days = 24 person-days
+- Velocity media: 25 story points/sprint
+- Buffer para bugs/support: 20% -> 20 SP disponiveis
+
+## Committed Stories
+
+### Must Have (MVP sprint)
+- [ ] US-123: Export PDF (5 SP) - @dev1
+- [ ] US-124: Email sharing (3 SP) - @dev2
+- [ ] US-125: Custom branding settings (3 SP) - @dev3
+
+### Should Have (se tempo)
+- [ ] US-126: Schedule exports (5 SP)
+- [ ] US-127: Export templates (3 SP)
+
+### Bugs Criticos
+- [ ] BUG-45: Login timeout (2 SP) - @dev1
+
+**Total Committed:** 13 SP
+**Stretch Goals:** 8 SP
+
+## Definition of Done (Sprint)
+- [ ] Todas as US committed DONE
+- [ ] Zero bugs criticos open
+- [ ] Test coverage > 80%
+- [ ] Docs actualizadas
+- [ ] Demo preparada para stakeholders
+- [ ] Retrospective completa
+
+## Ceremonies
+- Planning: Seg 3 Fev, 10h-12h
+- Daily: 9h30 (15 min)
+- Refinement: Qua 7 Fev, 14h-16h
+- Review: Sex 14 Fev, 14h-15h
+- Retrospective: Sex 14 Fev, 15h-16h
+```