Explain how encoding your vetted financial heuristics — like dollar-cost averaging from '持續買進' and issuer-quality-over-yield from bond analysis — into agent instructions makes FinanceOS defensible versus a generic finance chatbot.
From: Encoding real financial logic into specialized agents
· Goal: New FaimlyOS
· critical
Answer from memory in your own words. Don't look it up first — the gaps
are the point.