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.
Introduces templates/ directory with pre-built record structures that only
include writable fields, preventing 400 errors from formula column writes.
Templates:
- bill-paid-credit-card.json: Invoice paid by business credit card
- bill-paid-owner.json: Invoice paid by owner (reimbursement)
- bill-paid-checking.json: Invoice paid from checking account
- bill-unpaid.json: Invoice recorded but not yet paid
- pay-existing-bill.json: Payment for existing open bill
- direct-expense.json: Bank fees and minor expenses
Also adds references/templates.md usage guide and updates SKILL.md with
template references and formula column warnings.
