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/saas/references/metricas-kpis.md

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+# SaaS - Metricas e KPIs
+
+## Receita
+
+| Metrica | Formula | Target |
+|---------|---------|--------|
+| **MRR** | Monthly Recurring Revenue | Crescimento mes/mes |
+| **ARR** | MRR x 12 | > 100kEUR para sustainable |
+| **ARPU** | MRR / Total customers | Sector-dependent |
+| **NRR** | (MRR inicio + expansion - churn - contraction) / MRR inicio | > 100% |
+
+## Crescimento
+
+| Metrica | Formula | Target |
+|---------|---------|--------|
+| **New MRR** | Novos clientes x preco medio | +20%/mes (early) |
+| **Expansion MRR** | Upsells + Add-ons | > 10% do MRR |
+| **Churn MRR** | Cancelamentos valor | < 5%/mes |
+
+## Aquisicao
+
+| Metrica | Formula | Target |
+|---------|---------|--------|
+| **CAC** | Custo marketing+sales / Novos clientes | < 1/3 LTV |
+| **LTV** | ARPU x (1 / Churn Rate) - CAC | > 3x CAC |
+| **Payback Period** | CAC / ARPU | < 12 meses |
+
+## Produto
+
+| Metrica | Target |
+|---------|--------|
+| **Activation Rate** | > 40% (signup -> aha moment) |
+| **DAU/MAU** | > 20% (stickiness) |
+| **Time to Value** | < 10 minutos |
+| **Feature Adoption** | > 30% users usam feature nova (30 dias) |
+
+## Retencao
+
+| Metrica | Formula | Target |
+|---------|---------|--------|
+| **Logo Churn** | Clientes cancelaram / Total | < 5%/mes |
+| **Revenue Churn** | MRR perdido / MRR total | < 5%/mes |
+| **Cohort Retention** | Clientes mes X activos em X+6 | > 50% |
+
+## Onboarding Flow (Time-to-Value)
+
+Objectivo: Levar user de signup a "aha moment" em < 5 minutos.
+
+```
+1. SIGNUP - Email + Password (ou OAuth Google) - < 30 segundos
+2. WELCOME - Video 30s: "O que vais conseguir" - Skip disponivel
+3. QUICK SETUP - 3-5 campos essenciais - < 2 minutos
+4. FIRST ACTION - Criar primeiro item com template pre-preenchido - < 2 minutos
+5. AHA MOMENT - Ver resultado imediato (export, share, etc)
+6. NEXT STEPS - Checklist guiada: "3 passos para dominar"
+```
+
+Metricas de Onboarding:
+- Signup -> Email verified: > 80%
+- Email verified -> Setup complete: > 60%
+- Setup -> First action: > 70%
+- First action -> Aha moment: > 90%
+- Activation rate (signup -> aha): > 40%