Bill Ballou
357d1aadc8
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.