Payment Method Decider
Caveat: this skill is one author's playbook + 5-scenario stress test. Verify state fees / CPO terms / EV credits / dealer practices against current sources before quoting numbers to a dealer or making financial decisions. Not tax, legal, or financial advice. last_verified: 2026-05-18 (Phase 3B sub-skill split from orchestrator)
Narrow helper for picking the payment instrument at close. Use when buyer asks "should I pay by X" or when dealer pushes a specific
[Description truncada. Veja o README completo no GitHub.]