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/pricing-billing.md

@@ -0,0 +1,137 @@
+# SaaS - Pricing e Billing
+
+## Modelos de Pricing
+
+| Modelo | Descricao | Exemplo | Quando Usar |
+|--------|-----------|---------|-------------|
+| **Flat Rate** | Preco fixo mensal | 29EUR/mes | Simplicidade, previsibilidade |
+| **Per Seat** | Por utilizador | 10EUR/user/mes | B2B, equipas |
+| **Usage Based** | Pay-as-you-go | 0.01EUR/API call | Variacao alta de uso |
+| **Tiered** | Planos com limites | Free/Pro/Enterprise | Upsell natural |
+| **Hybrid** | Base + usage | 20EUR + 0.001EUR/email | Receita previsivel + escala |
+
+Recomendacao Descomplicar:
+
+```
+B2B (equipas 5-50 users): PER SEAT
+B2C (individual): TIERED
+API/Infra (desenvolvedores): USAGE BASED
+SaaS tradicional: HYBRID (base + usage caps)
+```
+
+## Exemplo de Tiers
+
+**FREE (0EUR/mes):**
+- 1 user
+- 100 records/mes
+- 1 GB storage
+- Sem integracoes, API, suporte prioritario
+
+**PRO (29EUR/mes):**
+- 5 users
+- 10.000 records/mes
+- 50 GB storage
+- Integracoes basicas
+- API access (10k calls/mes)
+- Email support (24h)
+
+**ENTERPRISE (Custom):**
+- Users ilimitados
+- Records ilimitados
+- Storage dedicado
+- Todas as integracoes
+- API ilimitado
+- Suporte 24/7 + Account Manager
+- SSO/SAML
+- SLA 99.9%
+
+## Billing com Stripe
+
+### Setup Basico
+
+```typescript
+import Stripe from 'stripe';
+const stripe = new Stripe(process.env.STRIPE_SECRET_KEY);
+
+const subscription = await stripe.subscriptions.create({
+  customer: customerId,
+  items: [{ price: 'price_free' }],
+  trial_period_days: 14,
+  payment_behavior: 'default_incomplete',
+  expand: ['latest_invoice.payment_intent']
+});
+
+// Webhooks para sincronizar estado:
+// - customer.subscription.created
+// - customer.subscription.updated
+// - customer.subscription.deleted
+// - invoice.payment_succeeded
+// - invoice.payment_failed
+
+// Verificar feature access
+const canUseFeature = (user: User, feature: string) => {
+  if (user.subscription.status !== 'active') return false;
+  return PLAN_FEATURES[user.subscription.plan].includes(feature);
+};
+```
+
+### Trial -> Paid Conversion
+
+```
+Trial 14 dias (sem cartao)
+  |
+  +- Dia 7: Email "Metade do trial"
+  +- Dia 12: Email "2 dias restantes + valor criado"
+  +- Dia 14: Soft paywall (pedir cartao)
+  |
+  v
+Converteu? -> Pro (29EUR/mes)
+Nao converteu? -> Free (downgrade features)
+```
+
+## Feature Flags por Plano
+
+```typescript
+export const PLAN_FEATURES = {
+  free: [
+    'basic_dashboard',
+    'limited_records',
+    'email_support'
+  ],
+  pro: [
+    'basic_dashboard',
+    'unlimited_records',
+    'api_access',
+    'integrations_basic',
+    'priority_support',
+    'export_csv'
+  ],
+  enterprise: [
+    '*', // todas as features
+    'sso_saml',
+    'audit_logs',
+    'custom_domain',
+    'dedicated_support',
+    'sla_guarantee'
+  ]
+};
+
+export function requireFeature(feature: string) {
+  return async (req, res, next) => {
+    const user = req.user;
+    const plan = user.subscription.plan;
+
+    if (!PLAN_FEATURES[plan].includes(feature) &&
+        !PLAN_FEATURES[plan].includes('*')) {
+      return res.status(403).json({
+        error: 'Upgrade required',
+        feature: feature,
+        current_plan: plan,
+        upgrade_to: 'pro'
+      });
+    }
+
+    next();
+  };
+}
+```