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Day 11 of 14 Β· Claude Cowork Challenge

Finance & Legal Plugins

Today we explore two plugins that deal with some of the highest-stakes work in any organization: Finance and Legal. These plugins help you analyze numbers, review contracts, flag risks, and stay on top of compliance β€” tasks where accuracy matters enormously and where a second set of eyes is always welcome.

A word of caution before we dive in: these plugins are powerful analytical assistants, but they are not replacements for professional financial or legal advice. They help you work faster and catch things you might miss, but critical financial decisions and legal matters should always involve qualified professionals. Cowork is your copilot, not your fiduciary or your attorney.

With that context set, let us look at what these plugins can do.

The Finance Plugin

Numbers, Models, and Metrics

The Finance plugin turns Cowork into a financial analysis partner. It covers three major areas:

Cash Flow Analysis β€” Understanding where money is coming from and where it is going is fundamental to business health. The Finance plugin can help you analyze cash flow statements, identify trends, flag anomalies, and project future cash positions. You can give it your financial data and ask questions in plain language: "What are our top three expense categories by growth rate?" or "When will we need to raise additional capital at current burn rate?"

Financial Modeling β€” Building financial models is time-consuming and error-prone. The Finance plugin can help you construct models, run sensitivity analyses, and stress-test assumptions. Describe the scenario you want to model β€” a new product launch, an acquisition, a hiring plan β€” and Cowork builds a structured model with clear assumptions, calculations, and outputs.

This does not mean Cowork builds your final board-ready model from scratch. It means Cowork gives you a strong first draft that captures the right structure and logic, which you then refine with your domain expertise and specific data.

Metrics Tracking β€” Every business tracks KPIs, but keeping them organized and interpreting them consistently is a challenge. The Finance plugin helps you define, calculate, and track metrics over time. It can pull data from connected sources, calculate period-over-period changes, and highlight metrics that are trending outside expected ranges.

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Claude Cowork
online
I have our Q4 financial summary. Revenue was $2.4M (up 18% QoQ), COGS was $720K, operating expenses were $1.9M (including $1.1M in salaries, $400K in marketing, $250K in infrastructure, $150K in G&A). Can you analyze this and flag anything I should focus on?
Here's my analysis of your Q4 financials: **Revenue & Margins** - Revenue: $2.4M (+18% QoQ) β€” strong growth trajectory - Gross Margin: 70% ($2.4M - $720K = $1.68M gross profit) β€” healthy for SaaS - Operating Loss: -$220K ($1.68M gross profit - $1.9M opex) **Key Flags:** 1. **Operating expenses exceed gross profit by $220K.** You're growing revenue at 18% QoQ, but you need to watch whether opex is growing faster. What was opex last quarter? 2. **Marketing at $400K is 16.7% of revenue.** This isn't unusual for a growth-stage company, but track your CAC payback period to make sure this spend is efficient. 3. **Salaries at $1.1M represent 58% of total opex.** As you scale, this ratio matters. Are you hiring ahead of revenue (investing in growth) or is headcount tracking behind plan? 4. **Infrastructure at $250K (10.4% of revenue)** β€” worth benchmarking against industry peers. Some companies at your stage run closer to 7-8%. **Bottom line:** Your growth is strong and margins are healthy, but you're operating at a loss. The question is whether the loss is *intentional* (investing in growth) or *structural* (spending isn't efficient). Want me to model out scenarios for reaching breakeven?
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The Legal Plugin

Contracts, Risk, and Compliance

The Legal plugin is built around three core capabilities: contract review, risk flagging, and compliance tracking. Its most distinctive feature is the clause-highlighting system that uses a traffic-light color scheme to help you quickly assess contract risk.

Contract Review β€” The Legal plugin can analyze contracts of all types: NDAs, service agreements, employment contracts, vendor agreements, licensing deals, and more. When you provide a contract, Cowork reads it thoroughly and provides a structured summary: key terms, obligations, timelines, termination conditions, liability provisions, and anything unusual or non-standard.

The `/review-contract` slash command is the fastest way to trigger this analysis. Provide the contract document, and Cowork delivers a comprehensive review.

The Clause-Highlighting System β€” This is where the Legal plugin really shines. When reviewing a contract, Cowork categorizes every significant clause using a three-color system:

- Green β€” Standard, fair, and acceptable. These clauses follow common market terms and do not require special attention. They are boilerplate done right.

- Yellow β€” Potentially risky or non-standard. These clauses deserve closer review. They might include unusual liability terms, aggressive non-compete language, broad indemnification provisions, or one-sided termination rights. They are not necessarily deal-breakers, but you should understand what you are agreeing to.

- Red β€” Critical issues that require immediate attention. These clauses contain significant risk: unlimited liability exposure, overly broad IP assignment, problematic data handling terms, or provisions that could seriously harm your interests. Do not sign without addressing these.

This traffic-light system lets you quickly triage a contract. If everything is green, you can move forward with confidence. If there are yellow items, you review them carefully. If there are red items, you involve legal counsel before proceeding.

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Claude Cowork
online
/review-contract Here's a vendor agreement from a new SaaS tool we're considering. Can you review it and flag any issues? [contract attached]
**Contract Review: SaaS Vendor Agreement** **Vendor:** [Vendor Name] | **Type:** SaaS Subscription Agreement --- **GREEN β€” Standard Terms:** - Payment terms: Net 30, monthly billing β€” standard - Subscription term: 12 months with auto-renewal β€” typical - Support SLA: 99.9% uptime guarantee with service credits β€” market standard - Data encryption: AES-256 at rest, TLS 1.3 in transit β€” meets best practices **YELLOW β€” Review Recommended:** - **Section 4.2 β€” Price escalation clause:** Vendor can increase pricing by up to 15% at renewal with only 30 days notice. Industry standard is typically 5-8% with 60-90 days notice. Consider negotiating a cap of 8% with 60 days notice. - **Section 7.1 β€” Data portability:** Agreement allows data export in "vendor-supported formats" without specifying what those formats are. Request explicit format specifications (CSV, JSON, API access) to avoid lock-in. **RED β€” Immediate Attention Required:** - **Section 9.3 β€” Limitation of liability:** Vendor's total liability is capped at fees paid in the *prior month*, not the prior 12 months. For a monthly subscription, this could mean your maximum recovery is a single month's payment even if the vendor causes significant damage. This is well below market standard. **Negotiate to 12 months of fees paid.** - **Section 11.2 β€” Survival clause:** The non-compete provision in Section 6.4 survives termination for 24 months. A non-compete in a *vendor* agreement is unusual and could restrict your ability to use competing products. **Request removal or significant narrowing.** **Recommendation:** Do not sign as-is. The two red items represent meaningful risk. Address the liability cap and the non-compete survival clause before proceeding.
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Compliance Tracking

Staying on the Right Side of the Rules

Beyond individual contract review, the Legal plugin helps with ongoing compliance tracking. Regulatory requirements change, contractual obligations accumulate, and keeping track of everything manually is a recipe for missed deadlines and oversights.

The Legal plugin can help you:

- Track compliance deadlines β€” Renewal dates, regulatory filing deadlines, certification expirations, audit schedules. Cowork can maintain a compliance calendar and alert you to upcoming deadlines.

- Monitor regulatory changes β€” When connected to relevant sources through MCP connectors, Cowork can flag regulatory updates that affect your business. A new data privacy regulation in a market you operate in, updated export control rules, changes to industry-specific compliance requirements.

- Maintain obligation registers β€” Every contract creates obligations. The Legal plugin can help you maintain a register of what you have committed to across all your agreements β€” service levels, data handling requirements, reporting obligations, and more.

This compliance layer is especially valuable for growing companies where the volume of contracts and regulations increases faster than the team can track manually. It does not replace a compliance team, but it makes sure nothing falls through the cracks.

Working Together

Finance + Legal in Practice

The Finance and Legal plugins are natural partners. Consider these combined workflows:

M&A Due Diligence β€” Use the Finance plugin to analyze the target's financial statements and build valuation models. Use the Legal plugin to review the acquisition agreement, flag risk clauses, and track compliance obligations you would be inheriting. Both analyses feed into a comprehensive due diligence picture.

Vendor Evaluation β€” Use the Finance plugin to analyze the total cost of ownership of a new vendor. Use the Legal plugin to review the vendor agreement and flag unfavorable terms. The financial analysis tells you if you can afford it; the legal analysis tells you if you should agree to it.

Fundraising β€” Use the Finance plugin to build your financial model and projections. Use the Legal plugin to review term sheets, flag investor-friendly terms that you should negotiate, and understand the obligations you are taking on.

In each case, the plugins bring different lenses to the same decision, giving you a more complete picture than either could provide alone.

Knowledge Check
In the Legal plugin's clause-highlighting system, what does a yellow-highlighted clause indicate?
A
The clause is potentially risky or non-standard and deserves closer review
B
The clause is completely safe and standard
C
The clause has a critical issue requiring immediate attention
D
The clause has been removed from the contract
Yellow-highlighted clauses are potentially risky or non-standard. They might include unusual liability terms, aggressive non-compete language, or one-sided provisions. They are not necessarily deal-breakers, but you should understand what you are agreeing to before signing.
Knowledge Check
What does the /review-contract slash command do?
A
Automatically signs a contract on your behalf
B
Sends the contract to your legal team for review
C
Compares the contract against a database of standard templates
D
Analyzes a contract and provides a structured summary with risk-flagged clauses
The /review-contract command triggers a comprehensive contract analysis. Cowork reads the document and provides a structured summary of key terms, obligations, and timelines, while flagging clauses using the green/yellow/red highlighting system to indicate standard, risky, and critical items.
Knowledge Check
What does the Finance plugin help you build for scenario planning?
A
Financial models with sensitivity analyses and stress-tested assumptions
B
Product roadmaps
C
Engineering architecture diagrams
D
Marketing campaigns
The Finance plugin helps you construct financial models, run sensitivity analyses, and stress-test assumptions. You describe the scenario you want to model β€” a new product launch, an acquisition, a hiring plan β€” and Cowork builds a structured model with clear assumptions, calculations, and outputs.
Knowledge Check
What important caveat applies to both the Finance and Legal plugins?
A
They are analytical assistants, not replacements for professional financial or legal advice
B
They only work with documents in English
C
They require a premium Cowork subscription
D
They can only analyze documents under 10 pages
While the Finance and Legal plugins are powerful analytical tools, they are not replacements for professional advice. Critical financial decisions and legal matters should always involve qualified professionals. Cowork is a copilot that helps you work faster and catch things you might miss, but final judgment rests with human experts.
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Day 11 Complete
"The Finance and Legal plugins bring analytical rigor to your highest-stakes work β€” helping you catch the red-flag clause, spot the concerning trend, and make better-informed decisions."
Tomorrow β€” Day 12
Building Custom Plugins
Learn how to build your own custom plugins using Cowork's file-based architecture and Plugin Create tool.
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1 day streak!