New capability for importing bank transactions (Schwab JSON), matching
against existing ledger entries, creating missing transactions, and
reconciling balances. Includes two new Grist tables (Reconciliations,
BankRules), two bank-import templates, and reference documentation.
- Add audit subagent that runs automatically after bill entries
- Create download-attachment.sh for retrieving invoice/receipt PDFs
- Create verify-pdf.py for PDF extraction with OCR fallback
- Restructure SKILL.md from 856 to 177 lines using reference files
- Move detailed content to references/:
- schema.md: table schemas
- workflows.md: code examples
- queries.md: SQL queries and financial reports
- audit.md: audit queries and remediation steps
