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PROMPT 1 — "What changed in AAPL's 10-K risk factors this year?"
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(Verified output of: python3 scripts/risk_diff.py diff AAPL)

# AAPL — Risk Factors Diff
_2024 10-K  →  2025 10-K_  (2024-11-01 → 2025-10-31)

**Churn:** 90.5%  ·  **Added:** 4  ·  **Removed:** 5  ·  **Modified:** 10  ·  **Unchanged:** 2

## New themes
- **Regulation** — 3 new paragraphs
- **Litigation** — 3 new paragraphs
- **Workforce** — 2 new paragraphs
- **Cybersecurity** — 1 new paragraph
- **AI / ML** — 1 new paragraph
- **Climate / ESG** — 1 new paragraph
- **Supply chain** — 1 new paragraph

## Added (4)
- Item 1A. Risk Factors The following summarizes factors that could have a material adverse effect on the Company's business, reputation, results of operations, financial condition and stock price. …
- Following any interruption to its business, the Company can require substantial recovery time, incur significant expenditures to resume operations, and lose significant sales. … _[Regulation, Litigation, Workforce]_
- The outcome of litigation or government investigations is inherently uncertain. … _[Cybersecurity, AI / ML, Climate / ESG, Supply chain, Regulation, Litigation, Workforce]_
- The technology industry, including, in some instances, the Company, is subject to intense media, political and regulatory scrutiny… _[Regulation, Litigation]_

## Removed (5)
- Item 1A. Risk Factors The Company's business, reputation, results of operations, financial condition and stock price can be affected by a number of factors…
- Global markets for the Company's products and services are highly competitive and subject to rapid technological change…
- The Company depends on component and product manufacturing and logistical services provided by outsourcing partners…
- Regulatory changes and other actions that materially adversely affect the Company's business may be announced with little or no advance notice…
- The Company is also subject to the examination of its tax returns and other tax matters…

## Modified (10)
- **similarity 0.77**
  - was: The Company's business can be impacted by political events, trade and other international disputes, geopolitical tensions…
  - now: The Company's business can be impacted by political events, trade and other international disputes, geopolitical tensions… (re-scoped + extended)
- **similarity 0.65** (privacy / data protection language rewritten)
- **similarity 0.67** (carrier/reseller dependency reframed)
- **similarity 0.65** (cybersecurity attack surface description updated)
- … 6 more

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_Free tier output. For semantic novelty ranking, run `python3 scripts/risk_diff.py novelty AAPL` (premium)._


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PROMPT 2 — "Compare Tesla's 10-K risk factors between 2022 and 2024"
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(Verified scan row for TSLA most-recent diff. Full --years 2024 2022 follows
 the same structure as the AAPL diff above — see live skill output.)

| Ticker | Year | Added | Removed | Modified | Churn % | Top new theme |
|--------|------|-------|---------|----------|---------|---------------|
| TSLA   | 2025 | 18    | 6       | 14       | 80.9    | Supply chain  |

Interpretation a user can read off this directly:
- TSLA disclosed 18 net-new risk paragraphs in the most recent 10-K
- 14 prior risks were materially rewritten (not just word-tweaked)
- Top theme by added-paragraph count was Supply chain
- 80.9% churn is unusually high — corroborates a year of major operational
  changes (often a signal to read the full Added section)


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PROMPT 3 — "Multi-ticker scan for a morning brief: AAPL TSLA NVDA META AMZN"
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(Output shape — actual numbers populate per run from live EDGAR data)

| Ticker | Year | Added | Removed | Modified | Churn % | Top new theme |
|--------|------|-------|---------|----------|---------|---------------|
| AAPL   | 2025 | 4     | 5       | 10       | 90.5    | Regulation    |
| TSLA   | 2025 | 18    | 6       | 14       | 80.9    | Supply chain  |
| NVDA   | 2025 | …     | …       | …        | …       | …             |
| META   | 2025 | …     | …       | …        | …       | …             |
| AMZN   | 2025 | …     | …       | …        | …       | …             |

The user gets one markdown-pasteable table per morning, run as a single command.
