small-business-close-monthlisted

Run the month-end close workflow. Reconcile, flag gaps, narrate the P&L, and export the close packet for the owner's records (and their accountant). Parse arguments: - `--month` (default: previous calendar month) — `YYYY-MM` format - `--save-to` (default `files`) — `files` (Google Drive / OneDrive), `desktop` (local), or `both` ## Step 1 — Reconcile Trigger the `month-end-prep` skill workflow: 1. Pull all QuickBooks transactions for the target month. 2. Pull settlements from each connected payment processor (PayPal, Stripe, Square) for the same month. 3. Match QB entries to processor settlements by amount + date (±2 days). 4. Surface three gap categories: - **Unmatched processor settlements** — money came in via PayPal/Stripe/Square but never landed in QB - **Unmatched QB deposits** — QB shows income with no processor record (cash? wire? misclassified?) - **Variance lines** — matched but amount differs (fees, refunds split) ## Step 2 — Flag suspicious entries Surface in the same report: - **Uncategorized transactions** — QB entries with no category - **Suspicious duplicates** — same amount, same vendor, within 3 days - **Missing receipts** — QB entries above $75 with no attachment For each, recommend an action: categorize as X, delete duplicate, attach receipt from inbox. Wait for owner to triage flagged items before generating the narrative. Do not auto-categorize or auto-delete. ## Step 3 — P&L narrative After triage, generate a plain-English P&L narrativ