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.
- Add note to consult schema.md for writable fields before add_records
- Add sample JSON payloads for common transactions:
- Owner equity contribution
- Owner draw
- Direct expense (no bill)
- Revenue receipt
- Include quick reference table for key account IDs
- 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
