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skills/agent-smith/assets/templates/README.md

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+# Agent Smith Templates
+
+This directory contains composable template configurations for PocketSmith onboarding.
+
+## Structure
+
+- **primary/** - Primary income structure templates (choose ONE)
+- **living/** - Living arrangement templates (choose ONE)
+- **additional/** - Additional income source templates (choose MULTIPLE)
+
+## Usage
+
+Templates are YAML files that define:
+- Categories to create
+- Categorization rules
+- Tax tracking configuration
+- Smart alerts
+
+During onboarding, templates are selected and merged using `scripts/setup/template_merger.py`.
+
+## Template Schema
+
+See individual layer README files for YAML schema details.

skills/agent-smith/assets/templates/additional/README.md

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+# Additional Income Templates
+
+Select MULTIPLE templates for additional income sources beyond your primary income.
+
+## Available Templates
+
+- `side-hustle.yaml` - Freelancing, consulting, gig work
+- `property-investor.yaml` - Rental income, negative gearing, CGT
+- `share-investor.yaml` - Dividends, franking credits, share CGT
+- `crypto-investor.yaml` - Cryptocurrency trading and staking
+- `trust-structures.yaml` - Family trust, company distributions
+
+## YAML Schema
+
+Same structure as primary templates, with `layer: additional` and higher priority values (3+).

skills/agent-smith/assets/templates/additional/airbnb-host.yaml

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+name: Airbnb Host
+layer: additional
+description: |
+  Short-term rental income tracking for Airbnb, Stayz, and similar platforms.
+  Includes expense apportionment for owner-occupied properties and CGT considerations.
+
+categories:
+  - name: "Airbnb:Income"
+    parent: null
+    description: "Short-term rental income from Airbnb, Stayz, etc."
+
+  - name: "Airbnb:Cleaning & Laundry"
+    parent: null
+    description: "Cleaning services and laundry for guests"
+
+  - name: "Airbnb:Guest Amenities"
+    parent: null
+    description: "Toiletries, coffee, tea, snacks for guests"
+
+  - name: "Airbnb:Linen & Towels"
+    parent: null
+    description: "Linen, towels, bedding for guest accommodation"
+
+  - name: "Airbnb:Platform Fees"
+    parent: null
+    description: "Airbnb/Stayz service fees and commissions"
+
+  - name: "Airbnb:Repairs & Maintenance"
+    parent: null
+    description: "Repairs and maintenance related to rental use"
+
+  - name: "Airbnb:Utilities"
+    parent: null
+    description: "Utilities attributable to rental use (apportioned)"
+
+  - name: "Airbnb:Insurance"
+    parent: null
+    description: "Host insurance and additional coverage"
+
+  - name: "Airbnb:Marketing & Listings"
+    parent: null
+    description: "Photography, listing fees, advertising"
+
+rules:
+  - id: airbnb-income
+    pattern: "Airbnb.*payout|Airbnb.*income|Stayz.*payout|booking.com.*payout|short.*term.*rental.*income"
+    category: "Airbnb:Income"
+    confidence: high
+    labels: ["Assessable Income", "Rental Income"]
+    description: "Detect short-term rental income"
+
+  - id: airbnb-cleaning
+    pattern: "cleaning.*Airbnb|laundry.*guest|linen.*service|professional.*clean.*rental"
+    category: "Airbnb:Cleaning & Laundry"
+    confidence: high
+    labels: ["Tax Deductible", "Apportioned"]
+    description: "Detect cleaning and laundry expenses"
+
+  - id: guest-amenities
+    pattern: "toiletries.*guest|coffee.*Airbnb|tea.*guest|snacks.*guest|welcome.*pack"
+    category: "Airbnb:Guest Amenities"
+    confidence: medium
+    labels: ["Tax Deductible", "Apportioned"]
+    description: "Detect guest amenity purchases"
+
+  - id: linen-towels
+    pattern: "linen.*rental|towels.*guest|bedding.*Airbnb|sheets.*accommodation"
+    category: "Airbnb:Linen & Towels"
+    confidence: high
+    labels: ["Tax Deductible", "Apportioned"]
+    description: "Detect linen and towel purchases"
+
+  - id: platform-fees
+    pattern: "Airbnb.*service.*fee|Airbnb.*commission|Stayz.*fee|booking.*commission"
+    category: "Airbnb:Platform Fees"
+    confidence: high
+    labels: ["Tax Deductible"]
+    description: "Detect platform service fees"
+
+  - id: rental-repairs
+    pattern: "repair.*rental|maintenance.*Airbnb|fix.*guest.*room|handyman.*rental"
+    category: "Airbnb:Repairs & Maintenance"
+    confidence: medium
+    labels: ["Tax Deductible", "Apportioned", "Repairs vs Improvements"]
+    description: "Detect repairs related to rental use"
+
+  - id: rental-utilities
+    pattern: "electricity.*rental|gas.*rental|water.*rental|internet.*rental"
+    category: "Airbnb:Utilities"
+    confidence: low
+    labels: ["Tax Deductible", "Apportioned"]
+    description: "Detect utilities for apportionment (requires manual review)"
+
+  - id: host-insurance
+    pattern: "Airbnb.*insurance|host.*insurance|short.*term.*rental.*insurance"
+    category: "Airbnb:Insurance"
+    confidence: high
+    labels: ["Tax Deductible", "Apportioned"]
+    description: "Detect host insurance premiums"
+
+  - id: listing-marketing
+    pattern: "photography.*listing|Airbnb.*listing|property.*photos.*rental"
+    category: "Airbnb:Marketing & Listings"
+    confidence: medium
+    labels: ["Tax Deductible"]
+    description: "Detect marketing and listing expenses"
+
+tax_tracking:
+  income_tracking: true
+  expense_apportionment_required: true
+  apportionment_basis: "days_rented"
+  cgt_main_residence_exemption_impact: true
+  record_keeping_days_rented: true
+  record_keeping_days_personal: true
+
+alerts:
+  - type: apportionment_reminder
+    schedule: quarterly
+    message: "Calculate expense apportionment: days rented vs personal use"
+
+  - type: days_rented_tracker
+    schedule: monthly
+    message: "Record days rented this month for expense apportionment"
+
+  - type: eofy_airbnb_reminder
+    schedule: annual
+    before_date: "06-15"
+    message: "EOFY - compile Airbnb income, calculate apportioned expenses, document days rented vs personal use"
+
+  - type: cgt_exemption_warning
+    trigger: annual
+    message: "Using main residence for income may affect CGT main residence exemption. Keep detailed records."
+
+  - type: gst_threshold_warning
+    trigger: annual_income_exceeds
+    threshold: 75000
+    message: "Airbnb income + other business income exceeds $75k - GST registration may be required"
+
+labels:
+  - name: "Assessable Income"
+    description: "Income assessable for tax purposes"
+    color: "green"
+    auto_apply: true
+
+  - name: "Rental Income"
+    description: "Short-term rental income"
+    color: "lightgreen"
+    auto_apply: false
+
+  - name: "Tax Deductible"
+    description: "Deductible expense (may require apportionment)"
+    color: "green"
+    auto_apply: false
+
+  - name: "Apportioned"
+    description: "Expense requiring apportionment by rental vs personal use"
+    color: "orange"
+    auto_apply: true
+
+  - name: "Repairs vs Improvements"
+    description: "Requires classification: repairs (deductible) vs improvements (capital)"
+    color: "orange"
+    auto_apply: false
+
+dependencies:
+  requires: []
+  conflicts_with: ["property-investor"]
+  notes: "Use property-investor for long-term rentals. Use airbnb-host for short-term/part-time hosting."
+
+metadata:
+  created: "2025-11-25"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 3
+  ato_guidance: "Airbnb income is assessable. Expenses must be apportioned if property is also used privately. Keep records of days rented vs personal use."

skills/agent-smith/assets/templates/additional/crypto-investor.yaml

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+name: Crypto Investor
+layer: additional
+description: |
+  Cryptocurrency investment tracking with ATO-compliant CGT and income reporting.
+  Covers exchanges, staking, DeFi yields, and NFT transactions.
+
+categories:
+  - name: "Crypto:Purchases"
+    parent: null
+    description: "Cryptocurrency purchases (establishes cost base)"
+
+  - name: "Crypto:Sales"
+    parent: null
+    description: "Cryptocurrency sales (CGT events)"
+
+  - name: "Crypto:Staking Income"
+    parent: null
+    description: "Staking rewards and interest (ordinary income)"
+
+  - name: "Crypto:DeFi Yields"
+    parent: null
+    description: "DeFi protocol yields and liquidity rewards (ordinary income)"
+
+  - name: "Crypto:Airdrops & Forks"
+    parent: null
+    description: "Airdropped tokens and fork distributions (ordinary income at receipt)"
+
+  - name: "Crypto:NFT Purchases"
+    parent: null
+    description: "NFT purchases (establishes cost base)"
+
+  - name: "Crypto:NFT Sales"
+    parent: null
+    description: "NFT sales (CGT events)"
+
+  - name: "Crypto:Gas Fees"
+    parent: null
+    description: "Network gas fees (adds to cost base)"
+
+  - name: "Crypto:Exchange Fees"
+    parent: null
+    description: "Trading and platform fees"
+
+rules:
+  - id: crypto-purchase
+    pattern: "CoinSpot|Binance|Coinbase|Kraken|Independent.*Reserve|Swyftx|BTC.*Markets|crypto.*buy|BTC.*purchase|ETH.*purchase"
+    category: "Crypto:Purchases"
+    confidence: medium
+    labels: ["Crypto", "Cost Base"]
+    description: "Detect cryptocurrency purchases on Australian exchanges"
+
+  - id: crypto-sale
+    pattern: "crypto.*sell|BTC.*sale|ETH.*sale|sold.*crypto"
+    category: "Crypto:Sales"
+    confidence: medium
+    labels: ["Crypto", "CGT Event"]
+    description: "Detect cryptocurrency sales (CGT event)"
+
+  - id: staking-rewards
+    pattern: "staking.*reward|staked.*income|validator.*reward|POS.*reward"
+    category: "Crypto:Staking Income"
+    confidence: high
+    labels: ["Crypto", "Ordinary Income"]
+    description: "Detect staking rewards (ordinary income)"
+
+  - id: defi-yields
+    pattern: "DeFi|yield.*farming|liquidity.*pool|lending.*interest|Aave|Compound|Uniswap.*reward"
+    category: "Crypto:DeFi Yields"
+    confidence: medium
+    labels: ["Crypto", "Ordinary Income"]
+    description: "Detect DeFi protocol yields"
+
+  - id: airdrops
+    pattern: "airdrop|token.*distribution|fork.*distribution"
+    category: "Crypto:Airdrops & Forks"
+    confidence: high
+    labels: ["Crypto", "Ordinary Income"]
+    description: "Detect airdrops and fork distributions"
+
+  - id: nft-purchase
+    pattern: "NFT.*purchase|OpenSea.*buy|Rarible.*buy|digital.*art.*purchase"
+    category: "Crypto:NFT Purchases"
+    confidence: medium
+    labels: ["Crypto", "NFT", "Cost Base"]
+    description: "Detect NFT purchases"
+
+  - id: nft-sale
+    pattern: "NFT.*sale|OpenSea.*sale|sold.*NFT"
+    category: "Crypto:NFT Sales"
+    confidence: medium
+    labels: ["Crypto", "NFT", "CGT Event"]
+    description: "Detect NFT sales"
+
+  - id: gas-fees
+    pattern: "gas.*fee|network.*fee|ETH.*fee|transaction.*fee.*crypto"
+    category: "Crypto:Gas Fees"
+    confidence: high
+    labels: ["Crypto", "Cost Base Addition"]
+    description: "Detect blockchain gas fees"
+
+  - id: exchange-fees
+    pattern: "trading.*fee.*crypto|exchange.*fee|platform.*fee.*crypto"
+    category: "Crypto:Exchange Fees"
+    confidence: high
+    labels: ["Crypto"]
+    description: "Detect exchange and trading fees"
+
+tax_tracking:
+  cgt_tracking: true
+  cgt_discount_eligible: true
+  cgt_discount_holding_period: 365
+  cost_base_tracking: true
+  cost_base_includes_fees: true
+  income_tracking: true
+  separate_income_vs_capital: true
+
+alerts:
+  - type: crypto_cgt_event
+    trigger: sale_detected
+    message: "Crypto sale detected - calculate CGT (12-month holding = 50% discount)"
+
+  - type: crypto_income_reminder
+    schedule: quarterly
+    message: "Report crypto staking/DeFi income on quarterly basis"
+
+  - type: eofy_crypto_reminder
+    schedule: annual
+    before_date: "06-15"
+    message: "EOFY - compile all crypto CGT events and income. ATO requires detailed records."
+
+  - type: cost_base_reminder
+    trigger: purchase_detected
+    message: "Record AUD value at time of purchase for accurate cost base"
+
+labels:
+  - name: "Crypto"
+    description: "Cryptocurrency transaction"
+    color: "bitcoin-orange"
+    auto_apply: false
+
+  - name: "CGT Event"
+    description: "Capital gains tax event (crypto disposal)"
+    color: "gold"
+    auto_apply: true
+
+  - name: "Cost Base"
+    description: "Establishes or adds to CGT cost base"
+    color: "lightblue"
+    auto_apply: false
+
+  - name: "Cost Base Addition"
+    description: "Expense that adds to CGT cost base"
+    color: "skyblue"
+    auto_apply: false
+
+  - name: "Ordinary Income"
+    description: "Taxed as ordinary income (not CGT)"
+    color: "green"
+    auto_apply: true
+
+  - name: "NFT"
+    description: "Non-fungible token transaction"
+    color: "purple"
+    auto_apply: false
+
+dependencies:
+  requires: []
+  conflicts_with: []
+
+metadata:
+  created: "2025-11-25"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 3
+  ato_guidance: "ATO treats cryptocurrency as CGT asset. Staking/interest = ordinary income. Keep records of all transactions in AUD."

skills/agent-smith/assets/templates/additional/property-investor.yaml

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+name: Property Investor
+layer: additional
+description: |
+  Rental property income and expenses tracking.
+  Includes negative gearing calculation and CGT cost base tracking.
+
+categories:
+  - name: "Rental Income"
+    parent: null
+    description: "Rent received from investment properties"
+
+  - name: "Property:Interest"
+    parent: null
+    description: "Mortgage interest on investment loans"
+
+  - name: "Property:Rates & Strata"
+    parent: null
+    description: "Council rates and strata fees"
+
+  - name: "Property:Repairs & Maintenance"
+    parent: null
+    description: "Repairs and maintenance expenses"
+
+  - name: "Property:Property Management"
+    parent: null
+    description: "Property management fees"
+
+  - name: "Property:Insurance"
+    parent: null
+    description: "Landlord insurance premiums"
+
+  - name: "Property:Depreciation"
+    parent: null
+    description: "Depreciation (manual entry from schedule)"
+
+rules:
+  - id: rental-income
+    pattern: "rent.*received|rental.*income|tenant.*payment"
+    category: "Rental Income"
+    confidence: high
+    labels: ["Property: {address}"]
+    description: "Detect rental income payments"
+
+  - id: property-loan-interest
+    pattern: "investment.*loan|property.*mortgage|loan.*interest"
+    category: "Property:Interest"
+    confidence: medium
+    labels: ["Tax Deductible", "Property: {address}"]
+    description: "Detect investment property loan interest"
+
+  - id: council-rates
+    pattern: "council.*rates|strata|body.*corporate"
+    category: "Property:Rates & Strata"
+    confidence: high
+    labels: ["Tax Deductible", "Property: {address}"]
+    description: "Detect rates and strata fees"
+
+  - id: property-repairs
+    pattern: "plumber|electrician|handyman|repairs.*property|maintenance.*rental"
+    category: "Property:Repairs & Maintenance"
+    confidence: medium
+    labels: ["Tax Deductible", "Property: {address}", "Repairs vs Improvements"]
+    description: "Detect repair and maintenance expenses"
+
+  - id: property-management-fee
+    pattern: "property.*management|real.*estate.*fee|letting.*fee"
+    category: "Property:Property Management"
+    confidence: high
+    labels: ["Tax Deductible", "Property: {address}"]
+    description: "Detect property management fees"
+
+tax_tracking:
+  negative_gearing_calculation: true
+  cgt_cost_base_tracking: true
+  cgt_discount_eligible: true
+  cgt_discount_holding_period: 365
+  depreciation_schedule_tracking: true
+
+alerts:
+  - type: rental_schedule_reminder
+    schedule: annual
+    before_date: "06-15"
+    message: "EOFY - prepare rental property income/expense schedule for tax return"
+
+  - type: cgt_event_reminder
+    trigger: property_sale_detected
+    message: "Property sale detected - calculate CGT on disposal"
+
+  - type: negative_gearing_summary
+    schedule: quarterly
+    message: "Quarterly negative gearing summary available"
+
+labels:
+  - name: "Tax Deductible"
+    description: "Property expense claimable on tax return"
+    color: "green"
+    auto_apply: false
+
+  - name: "Negative Gearing"
+    description: "Deductible loss against other income"
+    color: "darkgreen"
+    auto_apply: false
+
+  - name: "Capital Improvement"
+    description: "Adds to CGT cost base (not immediately deductible)"
+    color: "gold"
+    auto_apply: false
+
+  - name: "Repairs vs Improvements"
+    description: "Requires classification for tax treatment"
+    color: "orange"
+    auto_apply: false
+
+  - name: "Property: {address}"
+    description: "Expense for property at {address}"
+    color: "brown"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter property address:"
+
+dependencies:
+  requires: []
+  conflicts_with: []
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 3

skills/agent-smith/assets/templates/additional/share-investor.yaml

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+name: Share/ETF Investor
+layer: additional
+description: |
+  Share and ETF portfolio tracking with dividend income and CGT events.
+  Includes franking credit extraction and wash sale detection.
+
+categories:
+  - name: "Dividends:Franked"
+    parent: null
+    description: "Fully franked dividend income"
+
+  - name: "Dividends:Unfranked"
+    parent: null
+    description: "Unfranked dividend income"
+
+  - name: "Share Sales"
+    parent: null
+    description: "Capital gains/losses from share sales"
+
+  - name: "Brokerage Fees"
+    parent: null
+    description: "Trading and brokerage fees"
+
+rules:
+  - id: franked-dividends
+    pattern: "dividend.*franked|franking.*credit|DRP|dividend.*reinvestment"
+    category: "Dividends:Franked"
+    confidence: high
+    labels: ["Franked Dividend"]
+    description: "Detect franked dividend payments"
+
+  - id: unfranked-dividends
+    pattern: "dividend.*unfranked|distribution.*trust"
+    category: "Dividends:Unfranked"
+    confidence: high
+    description: "Detect unfranked dividend payments"
+
+  - id: share-sale
+    pattern: "share.*sale|stock.*sale|sold.*shares|CGT.*event"
+    category: "Share Sales"
+    confidence: medium
+    labels: ["Capital Gain"]
+    description: "Detect share sale transactions (CGT event)"
+
+  - id: brokerage
+    pattern: "CommSec|SelfWealth|Stake|brokerage|trading.*fee"
+    category: "Brokerage Fees"
+    confidence: high
+    labels: ["Tax Deductible"]
+    description: "Detect brokerage and trading fees"
+
+tax_tracking:
+  dividend_tracking: true
+  franking_credit_extraction: true
+  cgt_tracking: true
+  cgt_discount_eligible: true
+  cgt_discount_holding_period: 365
+  wash_sale_detection: true
+  wash_sale_period: 30
+
+alerts:
+  - type: dividend_income_summary
+    schedule: quarterly
+    message: "Quarterly dividend income summary with franking credits"
+
+  - type: cgt_event_detected
+    trigger: share_sale_detected
+    message: "Share sale detected - track CGT event and holding period"
+
+  - type: wash_sale_warning
+    trigger: repurchase_within_30_days
+    message: "Warning: Share repurchased within 30 days - potential wash sale"
+
+labels:
+  - name: "Tax Deductible"
+    description: "Share trading expense claimable"
+    color: "green"
+    auto_apply: false
+
+  - name: "Capital Gain"
+    description: "Capital gains event (CGT applicable)"
+    color: "gold"
+    auto_apply: true
+
+  - name: "Capital Loss"
+    description: "Capital loss (offset against gains)"
+    color: "brown"
+    auto_apply: false
+
+  - name: "Franked Dividend"
+    description: "Dividend with franking credits attached"
+    color: "teal"
+    auto_apply: true
+
+dependencies:
+  requires: []
+  conflicts_with: []
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 3

skills/agent-smith/assets/templates/archive/comprehensive.yaml.archived

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+name: Comprehensive Foundation
+layer: foundation
+description: |
+  Detailed category structure with deep hierarchies for granular tracking.
+  Best for detail-oriented people, business owners, or those optimizing tax deductions.
+
+  80+ categories with 2-3 levels of hierarchy for precise expense tracking.
+
+categories:
+  # ============================================================
+  # INCOME
+  # ============================================================
+  - name: "Income"
+    parent: null
+    description: "All income sources"
+
+  - name: "Income:Employment"
+    parent: "Income"
+    description: "Employment income"
+
+  - name: "Income:Employment:Salary & Wages"
+    parent: "Income:Employment"
+    description: "Regular salary and wage payments"
+
+  - name: "Income:Employment:Bonuses & Commissions"
+    parent: "Income:Employment"
+    description: "Performance bonuses, sales commissions"
+
+  - name: "Income:Employment:Allowances"
+    parent: "Income:Employment"
+    description: "Travel allowance, car allowance, other"
+
+  - name: "Income:Government Benefits"
+    parent: "Income"
+    description: "Centrelink and government payments"
+
+  - name: "Income:Government Benefits:Family Benefits"
+    parent: "Income:Government Benefits"
+    description: "Family Tax Benefit, Child Care Subsidy"
+
+  - name: "Income:Government Benefits:Income Support"
+    parent: "Income:Government Benefits"
+    description: "JobSeeker, Disability Support, Age Pension"
+
+  - name: "Income:Government Benefits:Child Support"
+    parent: "Income:Government Benefits"
+    description: "Child support received"
+
+  - name: "Income:Other Income"
+    parent: "Income"
+    description: "Miscellaneous income"
+
+  - name: "Income:Other Income:Tax Refunds"
+    parent: "Income:Other Income"
+    description: "ATO tax refunds, GST refunds"
+
+  - name: "Income:Other Income:Gifts & Winnings"
+    parent: "Income:Other Income"
+    description: "Cash gifts, competition winnings, lottery"
+
+  - name: "Income:Other Income:Reimbursements"
+    parent: "Income:Other Income"
+    description: "Work reimbursements, refunds"
+
+  # ============================================================
+  # HOUSING
+  # ============================================================
+  - name: "Housing"
+    parent: null
+    description: "Home-related expenses"
+
+  - name: "Housing:Rent or Mortgage"
+    parent: "Housing"
+    description: "Rent or mortgage payments"
+
+  - name: "Housing:Rent or Mortgage:Rent"
+    parent: "Housing:Rent or Mortgage"
+    description: "Rental payments"
+
+  - name: "Housing:Rent or Mortgage:Mortgage Repayments"
+    parent: "Housing:Rent or Mortgage"
+    description: "Principal and interest payments"
+
+  - name: "Housing:Rates & Levies"
+    parent: "Housing"
+    description: "Government and strata charges"
+
+  - name: "Housing:Rates & Levies:Council Rates"
+    parent: "Housing:Rates & Levies"
+    description: "Municipal council rates"
+
+  - name: "Housing:Rates & Levies:Water Rates"
+    parent: "Housing:Rates & Levies"
+    description: "Water service charges"
+
+  - name: "Housing:Rates & Levies:Strata Levies"
+    parent: "Housing:Rates & Levies"
+    description: "Body corporate, strata fees"
+
+  - name: "Housing:Maintenance & Repairs"
+    parent: "Housing"
+    description: "Home maintenance costs"
+
+  - name: "Housing:Maintenance & Repairs:Repairs"
+    parent: "Housing:Maintenance & Repairs"
+    description: "Plumbing, electrical, emergency repairs"
+
+  - name: "Housing:Maintenance & Repairs:Improvements"
+    parent: "Housing:Maintenance & Repairs"
+    description: "Renovations, upgrades, capital improvements"
+
+  - name: "Housing:Maintenance & Repairs:Garden & Lawn"
+    parent: "Housing:Maintenance & Repairs"
+    description: "Gardening, lawn care, landscaping"
+
+  - name: "Housing:Home Insurance"
+    parent: "Housing"
+    description: "Home and contents insurance"
+
+  - name: "Housing:Furnishings"
+    parent: "Housing"
+    description: "Furniture, appliances, home setup"
+
+  # ============================================================
+  # UTILITIES
+  # ============================================================
+  - name: "Utilities"
+    parent: null
+    description: "Essential household services"
+
+  - name: "Utilities:Electricity"
+    parent: "Utilities"
+    description: "Electricity bills and charges"
+
+  - name: "Utilities:Gas"
+    parent: "Utilities"
+    description: "Natural gas, LPG"
+
+  - name: "Utilities:Water"
+    parent: "Utilities"
+    description: "Water usage charges"
+
+  - name: "Utilities:Internet"
+    parent: "Utilities"
+    description: "Home internet, NBN"
+
+  - name: "Utilities:Phone"
+    parent: "Utilities"
+    description: "Mobile and landline"
+
+  - name: "Utilities:Phone:Mobile"
+    parent: "Utilities:Phone"
+    description: "Mobile phone plans, prepaid"
+
+  - name: "Utilities:Phone:Landline"
+    parent: "Utilities:Phone"
+    description: "Home phone service"
+
+  # ============================================================
+  # FOOD & DINING
+  # ============================================================
+  - name: "Food & Dining"
+    parent: null
+    description: "Food and beverage expenses"
+
+  - name: "Food & Dining:Groceries"
+    parent: "Food & Dining"
+    description: "Food shopping"
+
+  - name: "Food & Dining:Groceries:Supermarket"
+    parent: "Food & Dining:Groceries"
+    description: "Woolworths, Coles, Aldi, IGA"
+
+  - name: "Food & Dining:Groceries:Specialty Stores"
+    parent: "Food & Dining:Groceries"
+    description: "Butcher, baker, deli, fruit shop"
+
+  - name: "Food & Dining:Groceries:Online Delivery"
+    parent: "Food & Dining:Groceries"
+    description: "Online grocery delivery services"
+
+  - name: "Food & Dining:Restaurants"
+    parent: "Food & Dining"
+    description: "Dining out"
+
+  - name: "Food & Dining:Takeaway & Delivery"
+    parent: "Food & Dining"
+    description: "Takeaway food"
+
+  - name: "Food & Dining:Takeaway & Delivery:Fast Food"
+    parent: "Food & Dining:Takeaway & Delivery"
+    description: "McDonald's, KFC, etc."
+
+  - name: "Food & Dining:Takeaway & Delivery:Food Delivery"
+    parent: "Food & Dining:Takeaway & Delivery"
+    description: "Uber Eats, Menulog, DoorDash"
+
+  - name: "Food & Dining:Coffee & Cafes"
+    parent: "Food & Dining"
+    description: "Coffee shops, cafe visits"
+
+  - name: "Food & Dining:Alcohol & Beverages"
+    parent: "Food & Dining"
+    description: "Bottleshops, liquor, soft drinks"
+
+  # ============================================================
+  # TRANSPORTATION
+  # ============================================================
+  - name: "Transportation"
+    parent: null
+    description: "Transport and vehicle expenses"
+
+  - name: "Transportation:Vehicle Ownership"
+    parent: "Transportation"
+    description: "Owning and running a vehicle"
+
+  - name: "Transportation:Vehicle Ownership:Fuel"
+    parent: "Transportation:Vehicle Ownership"
+    description: "Petrol, diesel, LPG"
+
+  - name: "Transportation:Vehicle Ownership:Maintenance & Servicing"
+    parent: "Transportation:Vehicle Ownership"
+    description: "Regular servicing, oil changes"
+
+  - name: "Transportation:Vehicle Ownership:Repairs"
+    parent: "Transportation:Vehicle Ownership"
+    description: "Breakdowns, accident repairs, tyres"
+
+  - name: "Transportation:Vehicle Ownership:Registration & Insurance"
+    parent: "Transportation:Vehicle Ownership"
+    description: "Rego, CTP, comprehensive insurance"
+
+  - name: "Transportation:Vehicle Ownership:Car Wash & Detailing"
+    parent: "Transportation:Vehicle Ownership"
+    description: "Cleaning, detailing, car care"
+
+  - name: "Transportation:Parking & Tolls"
+    parent: "Transportation"
+    description: "Parking and road tolls"
+
+  - name: "Transportation:Parking & Tolls:Parking"
+    parent: "Transportation:Parking & Tolls"
+    description: "Street parking, parking meters, car parks"
+
+  - name: "Transportation:Parking & Tolls:Tolls"
+    parent: "Transportation:Parking & Tolls"
+    description: "E-tag, toll roads, M1, M2, etc."
+
+  - name: "Transportation:Public Transport"
+    parent: "Transportation"
+    description: "Buses, trains, trams, ferries"
+
+  - name: "Transportation:Public Transport:Opal/Myki Card"
+    parent: "Transportation:Public Transport"
+    description: "Prepaid transport cards"
+
+  - name: "Transportation:Public Transport:Tickets"
+    parent: "Transportation:Public Transport"
+    description: "Single tickets, day passes"
+
+  - name: "Transportation:Rideshare & Taxis"
+    parent: "Transportation"
+    description: "Uber, Didi, taxis"
+
+  # ============================================================
+  # HEALTHCARE
+  # ============================================================
+  - name: "Healthcare"
+    parent: null
+    description: "Medical and health expenses"
+
+  - name: "Healthcare:Medical Services"
+    parent: "Healthcare"
+    description: "Doctor visits and medical care"
+
+  - name: "Healthcare:Medical Services:GP & Specialists"
+    parent: "Healthcare:Medical Services"
+    description: "General practitioner, specialist doctors"
+
+  - name: "Healthcare:Medical Services:Tests & Pathology"
+    parent: "Healthcare:Medical Services"
+    description: "Blood tests, x-rays, scans, pathology"
+
+  - name: "Healthcare:Medical Services:Hospital & Emergency"
+    parent: "Healthcare:Medical Services"
+    description: "Hospital visits, emergency care, ambulance"
+
+  - name: "Healthcare:Dental"
+    parent: "Healthcare"
+    description: "Dental care"
+
+  - name: "Healthcare:Dental:General Dental"
+    parent: "Healthcare:Dental"
+    description: "Check-ups, cleaning, fillings"
+
+  - name: "Healthcare:Dental:Orthodontics"
+    parent: "Healthcare:Dental"
+    description: "Braces, Invisalign, orthodontic treatment"
+
+  - name: "Healthcare:Pharmacy"
+    parent: "Healthcare"
+    description: "Pharmacy and medications"
+
+  - name: "Healthcare:Pharmacy:Prescriptions"
+    parent: "Healthcare:Pharmacy"
+    description: "PBS prescriptions, scripts"
+
+  - name: "Healthcare:Pharmacy:Over the Counter"
+    parent: "Healthcare:Pharmacy"
+    description: "Non-prescription medicines, first aid"
+
+  - name: "Healthcare:Allied Health"
+    parent: "Healthcare"
+    description: "Other health services"
+
+  - name: "Healthcare:Allied Health:Physiotherapy"
+    parent: "Healthcare:Allied Health"
+    description: "Physio, exercise physiology"
+
+  - name: "Healthcare:Allied Health:Psychology & Counselling"
+    parent: "Healthcare:Allied Health"
+    description: "Psychologist, counsellor, mental health"
+
+  - name: "Healthcare:Allied Health:Other Therapies"
+    parent: "Healthcare:Allied Health"
+    description: "Chiro, osteo, massage, acupuncture"
+
+  - name: "Healthcare:Optical"
+    parent: "Healthcare"
+    description: "Eye care, glasses, contacts"
+
+  - name: "Healthcare:Health Insurance"
+    parent: "Healthcare"
+    description: "Private health insurance premiums"
+
+  # ============================================================
+  # PERSONAL CARE & APPEARANCE
+  # ============================================================
+  - name: "Personal Care"
+    parent: null
+    description: "Personal grooming and care"
+
+  - name: "Personal Care:Hair & Beauty"
+    parent: "Personal Care"
+    description: "Hair and beauty services"
+
+  - name: "Personal Care:Hair & Beauty:Haircuts & Styling"
+    parent: "Personal Care:Hair & Beauty"
+    description: "Barber, hairdresser, hair treatments"
+
+  - name: "Personal Care:Hair & Beauty:Beauty Services"
+    parent: "Personal Care:Hair & Beauty"
+    description: "Nails, waxing, facials, beauty treatments"
+
+  - name: "Personal Care:Toiletries & Cosmetics"
+    parent: "Personal Care"
+    description: "Personal hygiene products"
+
+  - name: "Personal Care:Toiletries & Cosmetics:Skincare & Cosmetics"
+    parent: "Personal Care:Toiletries & Cosmetics"
+    description: "Makeup, skincare, fragrances"
+
+  - name: "Personal Care:Toiletries & Cosmetics:Personal Hygiene"
+    parent: "Personal Care:Toiletries & Cosmetics"
+    description: "Shampoo, soap, deodorant, dental care"
+
+  - name: "Clothing & Footwear"
+    parent: null
+    description: "Clothes and shoes"
+
+  - name: "Clothing & Footwear:Adults"
+    parent: "Clothing & Footwear"
+    description: "Adult clothing and shoes"
+
+  - name: "Clothing & Footwear:Kids"
+    parent: "Clothing & Footwear"
+    description: "Children's clothing and shoes"
+
+  - name: "Clothing & Footwear:Accessories"
+    parent: "Clothing & Footwear"
+    description: "Bags, wallets, jewellery, watches"
+
+  # ============================================================
+  # ENTERTAINMENT & RECREATION
+  # ============================================================
+  - name: "Entertainment & Recreation"
+    parent: null
+    description: "Entertainment and leisure"
+
+  - name: "Entertainment & Recreation:Subscriptions"
+    parent: "Entertainment & Recreation"
+    description: "Streaming and digital services"
+
+  - name: "Entertainment & Recreation:Subscriptions:Streaming Video"
+    parent: "Entertainment & Recreation:Subscriptions"
+    description: "Netflix, Stan, Disney+, Binge"
+
+  - name: "Entertainment & Recreation:Subscriptions:Streaming Music"
+    parent: "Entertainment & Recreation:Subscriptions"
+    description: "Spotify, Apple Music, YouTube Music"
+
+  - name: "Entertainment & Recreation:Subscriptions:Gaming"
+    parent: "Entertainment & Recreation:Subscriptions"
+    description: "PlayStation Plus, Xbox Game Pass, etc."
+
+  - name: "Entertainment & Recreation:Subscriptions:News & Publications"
+    parent: "Entertainment & Recreation:Subscriptions"
+    description: "Newspapers, magazines, digital subscriptions"
+
+  - name: "Entertainment & Recreation:Fitness & Sport"
+    parent: "Entertainment & Recreation"
+    description: "Fitness and sports activities"
+
+  - name: "Entertainment & Recreation:Fitness & Sport:Gym Membership"
+    parent: "Entertainment & Recreation:Fitness & Sport"
+    description: "Gym, fitness classes, personal training"
+
+  - name: "Entertainment & Recreation:Fitness & Sport:Sports & Activities"
+    parent: "Entertainment & Recreation:Fitness & Sport"
+    description: "Sports clubs, equipment, registration fees"
+
+  - name: "Entertainment & Recreation:Events & Outings"
+    parent: "Entertainment & Recreation"
+    description: "Events and activities"
+
+  - name: "Entertainment & Recreation:Events & Outings:Movies & Cinema"
+    parent: "Entertainment & Recreation:Events & Outings"
+    description: "Movie tickets, cinema"
+
+  - name: "Entertainment & Recreation:Events & Outings:Concerts & Theatre"
+    parent: "Entertainment & Recreation:Events & Outings"
+    description: "Live music, theatre, performances"
+
+  - name: "Entertainment & Recreation:Events & Outings:Sports Events"
+    parent: "Entertainment & Recreation:Events & Outings"
+    description: "AFL, NRL, cricket, sports tickets"
+
+  - name: "Entertainment & Recreation:Hobbies"
+    parent: "Entertainment & Recreation"
+    description: "Hobby-related expenses"
+
+  - name: "Entertainment & Recreation:Books & Media"
+    parent: "Entertainment & Recreation"
+    description: "Books, audiobooks, magazines, DVDs"
+
+  - name: "Entertainment & Recreation:Gaming"
+    parent: "Entertainment & Recreation"
+    description: "Video games, board games, gaming gear"
+
+  # ============================================================
+  # EDUCATION & DEVELOPMENT
+  # ============================================================
+  - name: "Education"
+    parent: null
+    description: "Education and learning"
+
+  - name: "Education:School"
+    parent: "Education"
+    description: "Primary and secondary school"
+
+  - name: "Education:School:School Fees"
+    parent: "Education:School"
+    description: "Tuition fees, private school fees"
+
+  - name: "Education:School:School Uniforms"
+    parent: "Education:School"
+    description: "Uniforms, sports gear"
+
+  - name: "Education:School:Excursions & Activities"
+    parent: "Education:School"
+    description: "School camps, excursions, activities"
+
+  - name: "Education:Tertiary Education"
+    parent: "Education"
+    description: "University, TAFE, higher education"
+
+  - name: "Education:Tertiary Education:Tuition Fees"
+    parent: "Education:Tertiary Education"
+    description: "HECS, course fees, semester fees"
+
+  - name: "Education:Tertiary Education:Textbooks & Materials"
+    parent: "Education:Tertiary Education"
+    description: "Textbooks, course materials, stationery"
+
+  - name: "Education:Courses & Training"
+    parent: "Education"
+    description: "Professional development, short courses"
+
+  - name: "Education:Tutoring"
+    parent: "Education"
+    description: "Private tutoring, coaching"
+
+  # ============================================================
+  # KIDS & FAMILY
+  # ============================================================
+  - name: "Kids & Family"
+    parent: null
+    description: "Child-related expenses"
+
+  - name: "Kids & Family:Childcare & Education"
+    parent: "Kids & Family"
+    description: "Childcare services"
+
+  - name: "Kids & Family:Childcare & Education:Daycare"
+    parent: "Kids & Family:Childcare & Education"
+    description: "Long day care, family day care"
+
+  - name: "Kids & Family:Childcare & Education:Before/After School Care"
+    parent: "Kids & Family:Childcare & Education"
+    description: "OOSH, vacation care"
+
+  - name: "Kids & Family:Activities"
+    parent: "Kids & Family"
+    description: "Kids activities and sports"
+
+  - name: "Kids & Family:Activities:Sports"
+    parent: "Kids & Family:Activities"
+    description: "Kids sports, swimming lessons, team fees"
+
+  - name: "Kids & Family:Activities:Music & Arts"
+    parent: "Kids & Family:Activities"
+    description: "Music lessons, art classes, dance"
+
+  - name: "Kids & Family:Toys & Entertainment"
+    parent: "Kids & Family"
+    description: "Toys, games, kid entertainment"
+
+  - name: "Kids & Family:Baby Supplies"
+    parent: "Kids & Family"
+    description: "Nappies, formula, baby products"
+
+  - name: "Kids & Family:Pocket Money & Allowances"
+    parent: "Kids & Family"
+    description: "Kids pocket money, allowances"
+
+  # ============================================================
+  # FINANCIAL SERVICES
+  # ============================================================
+  - name: "Financial Services"
+    parent: null
+    description: "Banking and financial costs"
+
+  - name: "Financial Services:Bank Fees"
+    parent: "Financial Services"
+    description: "Banking fees and charges"
+
+  - name: "Financial Services:Bank Fees:Account Fees"
+    parent: "Financial Services:Bank Fees"
+    description: "Monthly account fees, transaction fees"
+
+  - name: "Financial Services:Bank Fees:ATM Fees"
+    parent: "Financial Services:Bank Fees"
+    description: "ATM withdrawal fees, foreign ATM fees"
+
+  - name: "Financial Services:Interest & Finance Charges"
+    parent: "Financial Services"
+    description: "Interest and finance costs"
+
+  - name: "Financial Services:Interest & Finance Charges:Credit Card Interest"
+    parent: "Financial Services:Interest & Finance Charges"
+    description: "Credit card interest charges"
+
+  - name: "Financial Services:Interest & Finance Charges:Loan Interest"
+    parent: "Financial Services:Interest & Finance Charges"
+    description: "Personal loan interest, other loan costs"
+
+  - name: "Financial Services:Accounting & Tax"
+    parent: "Financial Services"
+    description: "Accountant, tax agent, bookkeeping"
+
+  # ============================================================
+  # INSURANCE
+  # ============================================================
+  - name: "Insurance"
+    parent: null
+    description: "Insurance premiums (non-health, non-vehicle)"
+
+  - name: "Insurance:Life & Income Protection"
+    parent: "Insurance"
+    description: "Life insurance and income protection"
+
+  - name: "Insurance:Life & Income Protection:Life Insurance"
+    parent: "Insurance:Life & Income Protection"
+    description: "Life insurance premiums"
+
+  - name: "Insurance:Life & Income Protection:Income Protection"
+    parent: "Insurance:Life & Income Protection"
+    description: "Income protection, TPD, trauma insurance"
+
+  - name: "Insurance:Pet Insurance"
+    parent: "Insurance"
+    description: "Pet insurance premiums"
+
+  - name: "Insurance:Travel Insurance"
+    parent: "Insurance"
+    description: "Travel insurance, overseas coverage"
+
+  - name: "Insurance:Other Insurance"
+    parent: "Insurance"
+    description: "Other insurance policies"
+
+  # ============================================================
+  # SHOPPING & HOUSEHOLD
+  # ============================================================
+  - name: "Shopping"
+    parent: null
+    description: "General retail and household"
+
+  - name: "Shopping:Household Items"
+    parent: "Shopping"
+    description: "Household goods and supplies"
+
+  - name: "Shopping:Household Items:Furniture"
+    parent: "Shopping:Household Items"
+    description: "Furniture, beds, sofas, tables"
+
+  - name: "Shopping:Household Items:Appliances"
+    parent: "Shopping:Household Items"
+    description: "Fridges, washing machines, electronics"
+
+  - name: "Shopping:Household Items:Homewares"
+    parent: "Shopping:Household Items"
+    description: "Kitchen items, bedding, décor, storage"
+
+  - name: "Shopping:Household Items:Cleaning Supplies"
+    parent: "Shopping:Household Items"
+    description: "Cleaning products, laundry detergent"
+
+  - name: "Shopping:General Retail"
+    parent: "Shopping"
+    description: "Department stores and misc purchases"
+
+  - name: "Shopping:Electronics"
+    parent: "Shopping"
+    description: "Computers, phones, tablets, tech"
+
+  - name: "Shopping:Hardware & DIY"
+    parent: "Shopping"
+    description: "Bunnings, hardware, DIY supplies"
+
+  # ============================================================
+  # GIFTS & DONATIONS
+  # ============================================================
+  - name: "Gifts & Donations"
+    parent: null
+    description: "Gifts and charitable giving"
+
+  - name: "Gifts & Donations:Gifts"
+    parent: "Gifts & Donations"
+    description: "Birthday, Christmas, special occasion gifts"
+
+  - name: "Gifts & Donations:Charitable Donations"
+    parent: "Gifts & Donations"
+    description: "Charity donations, sponsorships"
+
+  # ============================================================
+  # PETS
+  # ============================================================
+  - name: "Pets"
+    parent: null
+    description: "Pet-related expenses"
+
+  - name: "Pets:Food & Supplies"
+    parent: "Pets"
+    description: "Pet food, litter, supplies"
+
+  - name: "Pets:Veterinary"
+    parent: "Pets"
+    description: "Vet visits, medications, surgery"
+
+  - name: "Pets:Grooming & Boarding"
+    parent: "Pets"
+    description: "Grooming, pet sitting, boarding kennels"
+
+  # ============================================================
+  # TRAVEL & HOLIDAYS
+  # ============================================================
+  - name: "Travel & Holidays"
+    parent: null
+    description: "Travel and holiday expenses"
+
+  - name: "Travel & Holidays:Accommodation"
+    parent: "Travel & Holidays"
+    description: "Hotels, Airbnb, holiday rentals"
+
+  - name: "Travel & Holidays:Flights & Transport"
+    parent: "Travel & Holidays"
+    description: "Airfares and transport"
+
+  - name: "Travel & Holidays:Flights & Transport:Airfares"
+    parent: "Travel & Holidays:Flights & Transport"
+    description: "Domestic and international flights"
+
+  - name: "Travel & Holidays:Flights & Transport:Car Hire"
+    parent: "Travel & Holidays:Flights & Transport"
+    description: "Rental cars, car hire"
+
+  - name: "Travel & Holidays:Activities & Tours"
+    parent: "Travel & Holidays"
+    description: "Tours, attractions, activities"
+
+  - name: "Travel & Holidays:Holiday Spending"
+    parent: "Travel & Holidays"
+    description: "Meals, shopping, misc while on holiday"
+
+  # ============================================================
+  # GOVERNMENT & ADMIN
+  # ============================================================
+  - name: "Government & Fees"
+    parent: null
+    description: "Government charges and official fees"
+
+  - name: "Government & Fees:Fines & Penalties"
+    parent: "Government & Fees"
+    description: "Fines and late fees"
+
+  - name: "Government & Fees:Fines & Penalties:Traffic Fines"
+    parent: "Government & Fees:Fines & Penalties"
+    description: "Speeding, parking, traffic infringements"
+
+  - name: "Government & Fees:Fines & Penalties:Other Fines"
+    parent: "Government & Fees:Fines & Penalties"
+    description: "Library fines, other penalties"
+
+  - name: "Government & Fees:Licences & Registration"
+    parent: "Government & Fees"
+    description: "Licences and registrations"
+
+  - name: "Government & Fees:Licences & Registration:Driver Licence"
+    parent: "Government & Fees:Licences & Registration"
+    description: "Licence renewal, learner's permit"
+
+  - name: "Government & Fees:Licences & Registration:Professional Registration"
+    parent: "Government & Fees:Licences & Registration"
+    description: "Trade licences, professional registrations"
+
+  - name: "Government & Fees:Legal & Professional"
+    parent: "Government & Fees"
+    description: "Legal fees, solicitors, conveyancing"
+
+  # ============================================================
+  # DEBT & SAVINGS
+  # ============================================================
+  - name: "Debt Payments"
+    parent: null
+    description: "Loan and debt repayments"
+
+  - name: "Debt Payments:Personal Loans"
+    parent: "Debt Payments"
+    description: "Personal loan repayments"
+
+  - name: "Debt Payments:Credit Cards"
+    parent: "Debt Payments"
+    description: "Credit card payments"
+
+  - name: "Debt Payments:BNPL"
+    parent: "Debt Payments"
+    description: "Afterpay, Zip Pay, buy now pay later"
+
+  - name: "Debt Payments:Other Debt"
+    parent: "Debt Payments"
+    description: "Other debt repayments"
+
+  # ============================================================
+  # TRANSFERS & OTHER
+  # ============================================================
+  - name: "Transfers & Adjustments"
+    parent: null
+    description: "Account transfers and movements"
+
+  - name: "Transfers & Adjustments:Savings Transfers"
+    parent: "Transfers & Adjustments"
+    description: "Transfers to savings accounts"
+
+  - name: "Transfers & Adjustments:Investment Contributions"
+    parent: "Transfers & Adjustments"
+    description: "Super contributions, shares, investments"
+
+  - name: "Transfers & Adjustments:Internal Transfers"
+    parent: "Transfers & Adjustments"
+    description: "Transfers between own accounts"
+
+  - name: "Uncategorised"
+    parent: null
+    description: "Transactions not yet categorised"
+
+rules:
+  # ============================================================
+  # COMMON GROCERY STORES (Australia)
+  # ============================================================
+  - type: category
+    name: Woolworths → Groceries
+    patterns: [Woolworths, WOOLWORTHS]
+    category: Food & Dining > Groceries
+    confidence: 95
+
+  - type: category
+    name: Coles → Groceries
+    patterns: [Coles, COLES]
+    category: Food & Dining > Groceries
+    confidence: 95
+
+  - type: category
+    name: Aldi → Groceries
+    patterns: [Aldi, ALDI]
+    category: Food & Dining > Groceries
+    confidence: 95
+
+  - type: category
+    name: IGA → Groceries
+    patterns: [IGA]
+    category: Food & Dining > Groceries
+    confidence: 95
+
+labels: []
+
+tax_tracking:
+  detailed_expense_tracking: true
+  receipt_tracking_enabled: true
+
+alerts: []
+
+dependencies:
+  requires: []
+  conflicts_with: ["minimal", "standard"]
+
+metadata:
+  created: "2025-11-23"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 0
+  category_count: 186

skills/agent-smith/assets/templates/archive/minimal.yaml.archived

@@ -0,0 +1,121 @@
+name: Minimal Foundation
+layer: foundation
+description: |
+  Simple, broad category structure for basic expense tracking.
+  Best for people who prefer simplicity and don't need detailed breakdowns.
+
+  20 top-level categories covering essential expense areas.
+
+categories:
+  # Income
+  - name: "Income"
+    parent: null
+    description: "All income sources"
+
+  # Housing & Home
+  - name: "Housing"
+    parent: null
+    description: "Rent, mortgage, rates, home expenses"
+
+  - name: "Utilities"
+    parent: null
+    description: "Electricity, gas, water, internet, phone"
+
+  # Food
+  - name: "Food & Dining"
+    parent: null
+    description: "Groceries, restaurants, takeaway"
+
+  # Transportation
+  - name: "Transportation"
+    parent: null
+    description: "Fuel, public transport, vehicle costs"
+
+  # Health
+  - name: "Healthcare"
+    parent: null
+    description: "Medical, dental, pharmacy, Medicare gap"
+
+  # Personal & Lifestyle
+  - name: "Personal Care"
+    parent: null
+    description: "Haircuts, cosmetics, toiletries"
+
+  - name: "Clothing"
+    parent: null
+    description: "Clothes, shoes, accessories"
+
+  - name: "Entertainment"
+    parent: null
+    description: "Movies, streaming, hobbies, recreation"
+
+  - name: "Education"
+    parent: null
+    description: "School fees, courses, textbooks"
+
+  # Financial
+  - name: "Insurance"
+    parent: null
+    description: "Health, car, home, life insurance"
+
+  - name: "Banking & Fees"
+    parent: null
+    description: "Bank fees, account charges, ATM fees"
+
+  - name: "Debt Payments"
+    parent: null
+    description: "Loan repayments, credit card payments"
+
+  # Discretionary
+  - name: "Shopping"
+    parent: null
+    description: "General retail, online shopping, household items"
+
+  - name: "Gifts & Donations"
+    parent: null
+    description: "Presents, charity donations"
+
+  - name: "Pets"
+    parent: null
+    description: "Pet food, vet, supplies"
+
+  # Special
+  - name: "Travel & Holidays"
+    parent: null
+    description: "Flights, accommodation, holiday expenses"
+
+  - name: "Subscriptions"
+    parent: null
+    description: "Streaming, memberships, recurring services"
+
+  # Other
+  - name: "Government & Fees"
+    parent: null
+    description: "Rates, fines, registration, licences"
+
+  - name: "Uncategorised"
+    parent: null
+    description: "Transactions not yet categorised"
+
+rules: []
+  # No rules in foundation - rules come from primary/living/additional templates
+
+labels: []
+  # No labels in foundation
+
+tax_tracking:
+  basic_expense_tracking: true
+
+alerts: []
+
+dependencies:
+  requires: []
+  conflicts_with: ["standard", "comprehensive"]
+  note: "Foundation templates are mutually exclusive - choose only one"
+
+metadata:
+  created: "2025-11-23"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 0  # Lowest priority - applied first
+  category_count: 20

skills/agent-smith/assets/templates/archive/single.yaml.archived

@@ -0,0 +1,65 @@
+name: Single Person
+layer: living
+description: |
+  Managing finances independently without shared household expenses.
+  Adds simple rules for common single-person expense patterns.
+
+  Note: Categories are provided by Foundation template. This template adds
+  only rules to help categorize common single-person expenses.
+
+categories: []
+  # No special categories needed - Foundation provides Housing, Utilities, Groceries, etc.
+  # Living templates add labels and rules, not categories.
+
+rules:
+  - id: rent-payment
+    pattern: "rent|rental.*payment|real.*estate"
+    category: "Rent/Mortgage"
+    confidence: high
+    description: "Detect rent payments"
+
+  - id: electricity-bill
+    pattern: "electricity|power.*bill|energy.*australia"
+    category: "Electricity"
+    confidence: high
+    description: "Detect electricity bills"
+
+  - id: gas-bill
+    pattern: "gas.*bill|natural.*gas"
+    category: "Gas"
+    confidence: high
+    description: "Detect gas bills"
+
+  - id: water-bill
+    pattern: "water.*bill|water.*rates"
+    category: "Water"
+    confidence: high
+    description: "Detect water bills"
+
+  - id: internet-phone
+    pattern: "internet|telstra|optus|vodafone|phone.*bill|mobile"
+    category: "Internet & Phone"
+    confidence: high
+    description: "Detect internet and phone bills"
+
+  - id: groceries
+    pattern: "woolworths|coles|aldi|iga|grocery"
+    category: "Groceries"
+    confidence: high
+    description: "Detect grocery shopping"
+
+tax_tracking: {}
+
+alerts: []
+
+labels: []
+
+dependencies:
+  requires: []
+  conflicts_with: ["shared-joint", "shared-hybrid", "separated-parents", "sharehouse"]
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 2

skills/agent-smith/assets/templates/archive/standard.yaml.archived

@@ -0,0 +1,361 @@
+name: Standard Foundation
+layer: foundation
+description: |
+  Balanced category structure with 1-2 levels of hierarchy.
+  Best for most people - detailed enough for insights, simple enough to maintain.
+
+  45 categories with logical groupings for common Australian expenses.
+
+categories:
+  # ============================================================
+  # INCOME
+  # ============================================================
+  - name: "Income"
+    parent: null
+    description: "All income sources"
+
+  - name: "Income:Employment"
+    parent: "Income"
+    description: "Salary, wages, bonuses"
+
+  - name: "Income:Government Benefits"
+    parent: "Income"
+    description: "Centrelink, Family Tax Benefit, Child Support"
+
+  - name: "Income:Other"
+    parent: "Income"
+    description: "Gifts, refunds, miscellaneous income"
+
+  # ============================================================
+  # HOUSING
+  # ============================================================
+  - name: "Housing"
+    parent: null
+    description: "Home-related expenses"
+
+  - name: "Housing:Rent or Mortgage"
+    parent: "Housing"
+    description: "Rent payments or mortgage repayments"
+
+  - name: "Housing:Rates & Levies"
+    parent: "Housing"
+    description: "Council rates, water rates, strata levies"
+
+  - name: "Housing:Maintenance & Repairs"
+    parent: "Housing"
+    description: "Home repairs, maintenance, improvements"
+
+  - name: "Housing:Home Insurance"
+    parent: "Housing"
+    description: "Home and contents insurance"
+
+  # ============================================================
+  # UTILITIES
+  # ============================================================
+  - name: "Utilities"
+    parent: null
+    description: "Essential household services"
+
+  - name: "Utilities:Electricity"
+    parent: "Utilities"
+    description: "Electricity bills"
+
+  - name: "Utilities:Gas"
+    parent: "Utilities"
+    description: "Gas bills"
+
+  - name: "Utilities:Water"
+    parent: "Utilities"
+    description: "Water bills"
+
+  - name: "Utilities:Internet & Phone"
+    parent: "Utilities"
+    description: "Internet, mobile, landline"
+
+  # ============================================================
+  # FOOD & DINING
+  # ============================================================
+  - name: "Food & Dining"
+    parent: null
+    description: "Food and beverage expenses"
+
+  - name: "Food & Dining:Groceries"
+    parent: "Food & Dining"
+    description: "Supermarket, grocery shopping"
+
+  - name: "Food & Dining:Restaurants"
+    parent: "Food & Dining"
+    description: "Dining out, cafes"
+
+  - name: "Food & Dining:Takeaway & Delivery"
+    parent: "Food & Dining"
+    description: "Takeaway, food delivery services"
+
+  # ============================================================
+  # TRANSPORTATION
+  # ============================================================
+  - name: "Transportation"
+    parent: null
+    description: "Transport and vehicle expenses"
+
+  - name: "Transportation:Fuel"
+    parent: "Transportation"
+    description: "Petrol, diesel"
+
+  - name: "Transportation:Public Transport"
+    parent: "Transportation"
+    description: "Trains, buses, trams, ferries, Opal/Myki"
+
+  - name: "Transportation:Vehicle Maintenance"
+    parent: "Transportation"
+    description: "Repairs, servicing, tyres"
+
+  - name: "Transportation:Registration & Insurance"
+    parent: "Transportation"
+    description: "Rego, CTP, car insurance"
+
+  - name: "Transportation:Parking & Tolls"
+    parent: "Transportation"
+    description: "Parking fees, tolls, e-tags"
+
+  - name: "Transportation:Rideshare & Taxis"
+    parent: "Transportation"
+    description: "Uber, taxis, rideshare"
+
+  # ============================================================
+  # HEALTHCARE
+  # ============================================================
+  - name: "Healthcare"
+    parent: null
+    description: "Medical and health expenses"
+
+  - name: "Healthcare:Medical"
+    parent: "Healthcare"
+    description: "GP visits, specialists, Medicare gap"
+
+  - name: "Healthcare:Dental"
+    parent: "Healthcare"
+    description: "Dentist, orthodontist"
+
+  - name: "Healthcare:Pharmacy & Prescriptions"
+    parent: "Healthcare"
+    description: "Medications, pharmacy items, PBS"
+
+  - name: "Healthcare:Health Insurance"
+    parent: "Healthcare"
+    description: "Private health insurance premiums"
+
+  - name: "Healthcare:Other Health"
+    parent: "Healthcare"
+    description: "Physio, chiro, optical, allied health"
+
+  # ============================================================
+  # PERSONAL & LIFESTYLE
+  # ============================================================
+  - name: "Personal Care"
+    parent: null
+    description: "Personal grooming and care"
+
+  - name: "Personal Care:Hair & Beauty"
+    parent: "Personal Care"
+    description: "Haircuts, salons, beauty treatments"
+
+  - name: "Personal Care:Toiletries & Cosmetics"
+    parent: "Personal Care"
+    description: "Personal hygiene products, cosmetics"
+
+  - name: "Clothing & Footwear"
+    parent: null
+    description: "Clothes, shoes, accessories"
+
+  - name: "Entertainment & Recreation"
+    parent: null
+    description: "Entertainment, hobbies, recreation"
+
+  - name: "Entertainment & Recreation:Streaming & Subscriptions"
+    parent: "Entertainment & Recreation"
+    description: "Netflix, Spotify, Stan, gaming subscriptions"
+
+  - name: "Entertainment & Recreation:Hobbies & Activities"
+    parent: "Entertainment & Recreation"
+    description: "Sports, gym, clubs, hobbies"
+
+  - name: "Entertainment & Recreation:Events & Outings"
+    parent: "Entertainment & Recreation"
+    description: "Movies, concerts, sports events, activities"
+
+  # ============================================================
+  # EDUCATION & DEVELOPMENT
+  # ============================================================
+  - name: "Education"
+    parent: null
+    description: "Education expenses"
+
+  - name: "Education:School Fees & Costs"
+    parent: "Education"
+    description: "School fees, uniforms, excursions"
+
+  - name: "Education:Courses & Training"
+    parent: "Education"
+    description: "TAFE, uni, online courses, professional development"
+
+  - name: "Education:Books & Supplies"
+    parent: "Education"
+    description: "Textbooks, stationery, learning materials"
+
+  # ============================================================
+  # FINANCIAL
+  # ============================================================
+  - name: "Financial Services"
+    parent: null
+    description: "Banking, fees, and financial costs"
+
+  - name: "Financial Services:Bank Fees"
+    parent: "Financial Services"
+    description: "Account fees, ATM fees, transaction charges"
+
+  - name: "Financial Services:Interest & Charges"
+    parent: "Financial Services"
+    description: "Credit card interest, loan fees"
+
+  - name: "Insurance"
+    parent: null
+    description: "Insurance premiums (non-health, non-vehicle)"
+
+  - name: "Insurance:Life Insurance"
+    parent: "Insurance"
+    description: "Life, income protection, TPD"
+
+  - name: "Insurance:Other Insurance"
+    parent: "Insurance"
+    description: "Pet insurance, travel insurance, other"
+
+  # ============================================================
+  # DISCRETIONARY
+  # ============================================================
+  - name: "Shopping"
+    parent: null
+    description: "General retail and household items"
+
+  - name: "Shopping:Household Items"
+    parent: "Shopping"
+    description: "Furniture, appliances, homewares"
+
+  - name: "Shopping:General Retail"
+    parent: "Shopping"
+    description: "Department stores, online shopping, misc purchases"
+
+  - name: "Gifts & Donations"
+    parent: null
+    description: "Gifts and charitable giving"
+
+  - name: "Pets"
+    parent: null
+    description: "Pet food, vet, grooming, supplies"
+
+  # ============================================================
+  # TRAVEL
+  # ============================================================
+  - name: "Travel & Holidays"
+    parent: null
+    description: "Travel and holiday expenses"
+
+  - name: "Travel & Holidays:Accommodation"
+    parent: "Travel & Holidays"
+    description: "Hotels, Airbnb, holiday rentals"
+
+  - name: "Travel & Holidays:Flights & Transport"
+    parent: "Travel & Holidays"
+    description: "Airfares, car hire, transfers"
+
+  # ============================================================
+  # KIDS (if applicable)
+  # ============================================================
+  - name: "Kids & Family"
+    parent: null
+    description: "Child-related expenses"
+
+  - name: "Kids & Family:Childcare"
+    parent: "Kids & Family"
+    description: "Daycare, before/after school care, vacation care"
+
+  - name: "Kids & Family:Activities & Sports"
+    parent: "Kids & Family"
+    description: "Kids sports, music lessons, activities"
+
+  - name: "Kids & Family:Other Kid Expenses"
+    parent: "Kids & Family"
+    description: "Toys, birthday parties, kid-specific costs"
+
+  # ============================================================
+  # GOVERNMENT & ADMIN
+  # ============================================================
+  - name: "Government & Fees"
+    parent: null
+    description: "Government charges and official fees"
+
+  - name: "Government & Fees:Fines & Penalties"
+    parent: "Government & Fees"
+    description: "Traffic fines, parking fines, late fees"
+
+  - name: "Government & Fees:Licences & Registration"
+    parent: "Government & Fees"
+    description: "Driver licence, professional registrations"
+
+  # ============================================================
+  # OTHER
+  # ============================================================
+  - name: "Transfers & Adjustments"
+    parent: null
+    description: "Account transfers, savings, investments"
+
+  - name: "Uncategorised"
+    parent: null
+    description: "Transactions not yet categorised"
+
+rules:
+  # ============================================================
+  # COMMON GROCERY STORES (Australia)
+  # ============================================================
+  - type: category
+    name: Woolworths → Groceries
+    patterns: [Woolworths, WOOLWORTHS]
+    category: Food & Dining > Groceries
+    confidence: 95
+
+  - type: category
+    name: Coles → Groceries
+    patterns: [Coles, COLES]
+    category: Food & Dining > Groceries
+    confidence: 95
+
+  - type: category
+    name: Aldi → Groceries
+    patterns: [Aldi, ALDI]
+    category: Food & Dining > Groceries
+    confidence: 95
+
+  - type: category
+    name: IGA → Groceries
+    patterns: [IGA]
+    category: Food & Dining > Groceries
+    confidence: 95
+
+labels: []
+
+tax_tracking:
+  basic_expense_tracking: true
+
+alerts: []
+
+dependencies:
+  requires: []
+  conflicts_with: ["minimal", "comprehensive"]
+
+metadata:
+  created: "2025-11-23"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 0
+  category_count: 65
+  recommended: true

skills/agent-smith/assets/templates/foundation/personal-living.json

@@ -0,0 +1,349 @@
+{
+  "name": "Foundation: Personal Living",
+  "description": "Core personal expense categories for everyday living, aligned with ATO guidance",
+  "layer": "foundation",
+  "priority": 0,
+  "applies_to": ["all"],
+  "ato_aligned": true,
+  "categories": [
+    {
+      "name": "Income",
+      "parent": null,
+      "description": "All income sources",
+      "ato_section": "Income"
+    },
+    {
+      "name": "Salary/Wages",
+      "parent": "Income",
+      "description": "Employment income from salary or wages",
+      "ato_section": "Item 1"
+    },
+    {
+      "name": "Other Income",
+      "parent": "Income",
+      "description": "Income not covered by other categories",
+      "ato_section": "Item 24"
+    },
+    {
+      "name": "Interest Income",
+      "parent": "Income",
+      "description": "Interest from bank accounts and investments",
+      "ato_section": "Item 10"
+    },
+    {
+      "name": "Food & Dining",
+      "parent": null,
+      "description": "Food and meal expenses"
+    },
+    {
+      "name": "Groceries",
+      "parent": "Food & Dining",
+      "description": "Supermarket and grocery shopping"
+    },
+    {
+      "name": "Restaurants",
+      "parent": "Food & Dining",
+      "description": "Dining out at restaurants"
+    },
+    {
+      "name": "Cafes & Takeaway",
+      "parent": "Food & Dining",
+      "description": "Coffee shops and takeaway food"
+    },
+    {
+      "name": "Housing & Utilities",
+      "parent": null,
+      "description": "Housing costs and utilities"
+    },
+    {
+      "name": "Rent/Mortgage",
+      "parent": "Housing & Utilities",
+      "description": "Rent or mortgage payments"
+    },
+    {
+      "name": "Electricity",
+      "parent": "Housing & Utilities",
+      "description": "Electricity bills"
+    },
+    {
+      "name": "Gas",
+      "parent": "Housing & Utilities",
+      "description": "Gas bills"
+    },
+    {
+      "name": "Water",
+      "parent": "Housing & Utilities",
+      "description": "Water bills"
+    },
+    {
+      "name": "Internet & Phone",
+      "parent": "Housing & Utilities",
+      "description": "Internet and phone services"
+    },
+    {
+      "name": "Home Maintenance",
+      "parent": "Housing & Utilities",
+      "description": "Repairs and maintenance for your home"
+    },
+    {
+      "name": "Transportation",
+      "parent": null,
+      "description": "Transport and vehicle expenses"
+    },
+    {
+      "name": "Fuel",
+      "parent": "Transportation",
+      "description": "Petrol and diesel for personal vehicles"
+    },
+    {
+      "name": "Public Transport",
+      "parent": "Transportation",
+      "description": "Buses, trains, trams, ferries"
+    },
+    {
+      "name": "Vehicle Registration",
+      "parent": "Transportation",
+      "description": "Vehicle registration and CTP insurance"
+    },
+    {
+      "name": "Vehicle Maintenance",
+      "parent": "Transportation",
+      "description": "Car servicing and repairs"
+    },
+    {
+      "name": "Parking & Tolls",
+      "parent": "Transportation",
+      "description": "Parking fees and road tolls"
+    },
+    {
+      "name": "Healthcare & Insurance",
+      "parent": null,
+      "description": "Medical expenses and insurance"
+    },
+    {
+      "name": "Medical",
+      "parent": "Healthcare & Insurance",
+      "description": "Doctor visits and medical expenses"
+    },
+    {
+      "name": "Dental",
+      "parent": "Healthcare & Insurance",
+      "description": "Dental care expenses"
+    },
+    {
+      "name": "Pharmacy",
+      "parent": "Healthcare & Insurance",
+      "description": "Prescription and over-the-counter medications"
+    },
+    {
+      "name": "Health Insurance",
+      "parent": "Healthcare & Insurance",
+      "description": "Private health insurance premiums"
+    },
+    {
+      "name": "Life Insurance",
+      "parent": "Healthcare & Insurance",
+      "description": "Life and income protection insurance"
+    },
+    {
+      "name": "Personal & Lifestyle",
+      "parent": null,
+      "description": "Personal care and lifestyle expenses"
+    },
+    {
+      "name": "Clothing & Footwear",
+      "parent": "Personal & Lifestyle",
+      "description": "Clothing and shoes for personal use"
+    },
+    {
+      "name": "Personal Care",
+      "parent": "Personal & Lifestyle",
+      "description": "Haircuts, cosmetics, toiletries"
+    },
+    {
+      "name": "Entertainment & Recreation",
+      "parent": "Personal & Lifestyle",
+      "description": "Entertainment, hobbies, and recreation"
+    },
+    {
+      "name": "Fitness & Wellness",
+      "parent": "Personal & Lifestyle",
+      "description": "Gym memberships, fitness activities, wellness"
+    },
+    {
+      "name": "Gifts & Donations",
+      "parent": "Personal & Lifestyle",
+      "description": "Gifts and charitable donations (donations may be tax deductible)",
+      "ato_section": "D9"
+    },
+    {
+      "name": "Shopping",
+      "parent": null,
+      "description": "Online shopping and retail purchases"
+    },
+    {
+      "name": "Online Services",
+      "parent": "Shopping",
+      "description": "Online payment services and digital purchases"
+    },
+    {
+      "name": "Banking & Fees",
+      "parent": null,
+      "description": "Banking fees and charges"
+    },
+    {
+      "name": "Bank Fees",
+      "parent": "Banking & Fees",
+      "description": "Account keeping fees and transaction fees"
+    },
+    {
+      "name": "Interest Charges",
+      "parent": "Banking & Fees",
+      "description": "Interest on personal loans and credit cards"
+    },
+    {
+      "name": "Transfers",
+      "parent": "Banking & Fees",
+      "description": "Transfers between accounts"
+    }
+  ],
+  "rules": [
+    {
+      "name": "groceries-supermarkets",
+      "payee_pattern": "woolworths|coles|aldi|iga|foodland|costco|harris farm|fruit market|drakes|supa.*iga|ritchies|foodworks|friendly grocer",
+      "category": "Groceries",
+      "confidence": 0.95
+    },
+    {
+      "name": "restaurants-dining",
+      "payee_pattern": "restaurant|bistro|steakhouse|italian|chinese|thai|indian|japanese|korean|vietnamese|cafe.*restaurant",
+      "category": "Restaurants",
+      "confidence": 0.90
+    },
+    {
+      "name": "cafes-coffee",
+      "payee_pattern": "cafe|coffee|starbucks|gloria jeans|mccafe|donut king|boost juice",
+      "category": "Cafes & Takeaway",
+      "confidence": 0.90
+    },
+    {
+      "name": "fast-food-takeaway",
+      "payee_pattern": "mcdonald|kfc|hungry jack|domino|pizza hut|subway|nando|red rooster|grill'd|guzman|schnitz",
+      "category": "Cafes & Takeaway",
+      "confidence": 0.95
+    },
+    {
+      "name": "fuel-petrol",
+      "payee_pattern": "shell|bp|caltex|ampol|7-eleven|united.*petrol|metro.*petrol|mobil|esso",
+      "category": "Fuel",
+      "confidence": 0.95
+    },
+    {
+      "name": "electricity-providers",
+      "payee_pattern": "agl|origin|energy australia|red energy|alinta|simply energy|powershop|momentum energy|click energy|sumo|dodo.*power|lumo|people.*energy|diamond.*energy",
+      "category": "Electricity",
+      "confidence": 0.95
+    },
+    {
+      "name": "gas-providers",
+      "payee_pattern": "agl.*gas|origin.*gas|energy australia.*gas|simply energy.*gas|sumo.*gas",
+      "category": "Gas",
+      "confidence": 0.90
+    },
+    {
+      "name": "water-providers",
+      "payee_pattern": "water.*corporation|sydney.*water|yarra.*valley.*water|sa.*water|icon.*water|unitywater|hunter.*water|city west.*water",
+      "category": "Water",
+      "confidence": 0.95
+    },
+    {
+      "name": "internet-telco",
+      "payee_pattern": "telstra|optus|vodafone|tpg|iinet|aussie.*broadband|dodo|belong|internode|southern.*phone|exetel|spintel|tangerine|superloop|mate.*communicate",
+      "category": "Internet & Phone",
+      "confidence": 0.95
+    },
+    {
+      "name": "public-transport",
+      "payee_pattern": "opal|myki|go card|translink|metro.*trains|bus.*service|citylink",
+      "category": "Public Transport",
+      "confidence": 0.95
+    },
+    {
+      "name": "parking-tolls",
+      "payee_pattern": "secure.*parking|wilson.*parking|toll|e-tag|linkt|citylink|eastlink|go via",
+      "category": "Parking & Tolls",
+      "confidence": 0.95
+    },
+    {
+      "name": "pharmacy-chemist",
+      "payee_pattern": "chemist|pharmacy|priceline|terry white|amcal|blooms|soul pattinson|discount.*drug",
+      "category": "Pharmacy",
+      "confidence": 0.95
+    },
+    {
+      "name": "health-insurance",
+      "payee_pattern": "bupa|medibank|hcf|nib|ahm|health.*fund|health.*insurance",
+      "category": "Health Insurance",
+      "confidence": 0.95
+    },
+    {
+      "name": "gym-fitness",
+      "payee_pattern": "gym|fitness|anytime.*fitness|goodlife|f45|jetts|snap.*fitness|crossfit|yoga|pilates",
+      "category": "Fitness & Wellness",
+      "confidence": 0.90
+    },
+    {
+      "name": "entertainment-streaming",
+      "payee_pattern": "netflix|spotify|disney|stan|amazon.*prime|apple.*music|youtube.*premium|paramount|binge",
+      "category": "Entertainment & Recreation",
+      "confidence": 0.95
+    },
+    {
+      "name": "entertainment-cinema",
+      "payee_pattern": "hoyts|event.*cinema|village.*cinema|reading.*cinema|movie.*ticket",
+      "category": "Entertainment & Recreation",
+      "confidence": 0.95
+    },
+    {
+      "name": "clothing-retail",
+      "payee_pattern": "myer|david jones|target|kmart|big w|uniqlo|h&m|zara|cotton on|rebel.*sport|nike|adidas",
+      "category": "Clothing & Footwear",
+      "confidence": 0.85
+    },
+    {
+      "name": "personal-care-services",
+      "payee_pattern": "hair.*salon|barber|hairdresser|beauty|nail.*salon|spa|massage",
+      "category": "Personal Care",
+      "confidence": 0.90
+    },
+    {
+      "name": "bank-fees",
+      "payee_pattern": "account.*fee|monthly.*fee|transaction.*fee|atm.*fee|overdraft.*fee|international.*transaction.*fee",
+      "category": "Bank Fees",
+      "confidence": 0.95
+    },
+    {
+      "name": "transfers-generic",
+      "payee_pattern": "transfer|bpay|osko",
+      "category": "Transfers",
+      "confidence": 0.80
+    },
+    {
+      "name": "paypal-generic",
+      "payee_pattern": "PAYPAL",
+      "category": "Online Services",
+      "confidence": 0.60,
+      "labels": ["$LABEL_GENERIC_PAYPAL"]
+    }
+  ],
+  "labels": [],
+  "name": "Foundation: Personal Living",
+  "layer": "foundation",
+  "metadata": {
+    "version": "1.0.0",
+    "priority": 0,
+    "created": "2025-11-25",
+    "ato_alignment": "2024-25 tax year",
+    "recommended_for": ["new_users", "migration_users"]
+  }
+}

skills/agent-smith/assets/templates/living/README.md

@@ -0,0 +1,15 @@
+# Living Arrangement Templates
+
+Choose ONE template that matches how you manage household finances.
+
+## Available Templates
+
+- `single.yaml` - Managing finances alone
+- `shared-joint.yaml` - Partner/spouse, pooled income, joint accounts
+- `shared-hybrid.yaml` - Some joint accounts, some separate
+- `separated-parents.yaml` - Child support, shared custody expenses
+- `sharehouse.yaml` - Splitting bills with roommates
+
+## YAML Schema
+
+Same structure as primary templates, with `layer: living`.

skills/agent-smith/assets/templates/living/separated-parents.yaml

@@ -0,0 +1,114 @@
+name: Separated/Divorced Parents
+layer: living
+description: |
+  Managing finances with child support obligations and shared custody expenses.
+  Tracks child-related spending for tax and legal documentation.
+
+categories: []
+  # No special categories needed - use standard expense categories
+  # Labels indicate child-related expenses and which parent paid
+
+rules:
+  - id: child-support-payment
+    pattern: "child.*support|CSA.*payment|maintenance.*payment"
+    # No category override - transactions should be categorized as Transfer or similar
+    confidence: high
+    description: "Label child support payments"
+    labels: ["Child Support", "Child Support Paid"]
+
+  - id: child-support-received
+    pattern: "child.*support.*received|CSA.*deposit"
+    # No category override - transactions should be categorized as Transfer or Income
+    confidence: high
+    description: "Label child support receipts"
+    labels: ["Child Support", "Child Support Received"]
+
+  - id: kids-activities
+    pattern: "sport|swimming|dance|music.*lessons|scouts|karate"
+    # No category override - use standard Entertainment/Recreation category
+    confidence: medium
+    description: "Label children's activity expenses"
+    labels: ["Kids Expense"]
+
+  - id: kids-medical
+    pattern: "pediatric|child.*doctor|dentist.*kids|orthodontist|therapy.*child"
+    # No category override - use standard Medical/Health category
+    confidence: medium
+    description: "Label children's medical expenses"
+    labels: ["Kids Expense", "Medical"]
+
+  - id: kids-education
+    pattern: "school.*fees|uniform.*school|textbook|excursion|tuckshop"
+    # No category override - use standard Education category
+    confidence: high
+    description: "Label education-related expenses"
+    labels: ["Kids Expense", "Education"]
+
+tax_tracking:
+  child_support_documentation: true
+  custody_expense_tracking: true
+
+alerts:
+  - type: child_support_reconciliation
+    schedule: monthly
+    message: "Reconcile child support payments and custody expenses"
+
+  - type: ato_documentation_reminder
+    schedule: annual
+    before_date: "06-15"
+    message: "EOFY - compile child-related expenses for tax return"
+
+labels:
+  - name: "Child Support"
+    description: "Child support payment or receipt"
+    color: "skyblue"
+    auto_apply: false
+
+  - name: "Custody Period"
+    description: "Expense during custody period"
+    color: "lightpurple"
+    auto_apply: false
+
+  - name: "Shared Child Expense"
+    description: "Child expense split with ex-partner"
+    color: "coral"
+    auto_apply: false
+
+  - name: "Contributor: {parent_a_name}"
+    description: "Paid by {parent_a_name}"
+    color: "orange"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Parent A:"
+
+  - name: "Contributor: {parent_b_name}"
+    description: "Paid by {parent_b_name}"
+    color: "cyan"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Parent B:"
+
+  - name: "Kids: {child_1_name}"
+    description: "Expense for {child_1_name}"
+    color: "pink"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for first child:"
+
+  - name: "Kids: {child_2_name}"
+    description: "Expense for {child_2_name}"
+    color: "lightgreen"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for second child:"
+
+dependencies:
+  requires: []
+  conflicts_with: ["single", "shared-joint", "sharehouse"]
+  # Note: Can be combined with shared-hybrid for divorced parents now living with new partner
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 2

skills/agent-smith/assets/templates/living/shared-hybrid.yaml

@@ -0,0 +1,73 @@
+name: Shared Household - Hybrid Finances
+layer: living
+description: |
+  Living with partner/spouse with mix of joint and separate accounts.
+  Some expenses shared (bills, groceries), some kept separate (personal spending).
+
+categories: []
+  # No special categories needed - use standard expense categories
+  # Account indicates if shared, labels indicate who paid
+
+rules:
+  - id: shared-expense-labeling
+    pattern: ".*"
+    # No category override - use existing categorization
+    # Just apply labels based on account and contributor
+    confidence: high
+    split_percentage: 50
+    description: "Label shared expenses with contributor info"
+    labels: ["Shared Expense"]
+
+tax_tracking:
+  expense_splitting_enabled: true
+  default_split_ratio: 0.5
+
+alerts:
+  - type: split_expense_reconciliation
+    schedule: monthly
+    message: "Time to reconcile shared expenses with partner"
+
+labels:
+  - name: "Shared Expense"
+    description: "Expense split with partner"
+    color: "purple"
+    auto_apply: false
+
+  - name: "Contributor: {partner_a_name}"
+    description: "Paid by {partner_a_name}"
+    color: "orange"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Partner A:"
+
+  - name: "Contributor: {partner_b_name}"
+    description: "Paid by {partner_b_name}"
+    color: "cyan"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Partner B:"
+
+  - name: "Personal: {partner_a_name}"
+    description: "{partner_a_name} personal spending"
+    color: "lightorange"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Partner A:"
+
+  - name: "Personal: {partner_b_name}"
+    description: "{partner_b_name} personal spending"
+    color: "lightcyan"
+    auto_apply: false
+    requires_configuration: true
+    configuration_prompt: "Enter name for Partner B:"
+
+dependencies:
+  requires: []
+  conflicts_with: ["single", "shared-joint", "sharehouse"]
+  # Note: Can be combined with separated-parents for new relationships after divorce
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 2

skills/agent-smith/assets/templates/primary/README.md

@@ -0,0 +1,51 @@
+# Primary Income Templates
+
+Choose ONE template that matches your main source of income.
+
+## Available Templates
+
+- `payg-employee.yaml` - Salary/wage earner
+- `sole-trader.yaml` - ABN holder, contractor, quarterly BAS
+- `small-business.yaml` - Business owner with employees
+- `retiree.yaml` - Superannuation/pension income
+- `student.yaml` - Minimal income, government payments, HECS
+
+## YAML Schema
+
+```yaml
+name: Template Name
+layer: primary
+description: |
+  Multi-line description of this template.
+
+categories:
+  - name: "Category Name"
+    parent: null  # or "Parent Category Name"
+    description: "Category purpose"
+
+rules:
+  - id: unique-rule-id
+    pattern: "regex pattern"
+    category: "Target Category"
+    confidence: high|medium|low
+    description: "What this rule does"
+
+tax_tracking:
+  bas_enabled: true|false
+  gst_method: cash|accrual
+  # ... other tax config
+
+alerts:
+  - type: alert_type
+    schedule: quarterly|monthly
+    message: "Alert message"
+
+dependencies:
+  requires: []
+  conflicts_with: ["other-template-id"]
+
+metadata:
+  created: "YYYY-MM-DD"
+  version: "1.0.0"
+  priority: 1
+```

skills/agent-smith/assets/templates/primary/payg-employee.yaml

@@ -0,0 +1,112 @@
+name: PAYG Employee
+layer: primary
+description: |
+  Salary or wage earner with tax withheld by employer.
+  Suitable for standard employment situations with work-related expense deductions.
+
+categories:
+  - name: "Salary/Wages"
+    parent: null
+    description: "Employment income from salary or wages"
+
+  - name: "PAYG Tax Withheld"
+    parent: null
+    description: "Tax withheld from salary by employer"
+
+  - name: "Work Expenses"
+    parent: null
+    description: "Work-related expenses that may be tax deductible"
+
+  - name: "Work Expenses:Uniforms"
+    parent: "Work Expenses"
+    description: "Uniforms, protective clothing, laundry"
+
+  - name: "Work Expenses:Tools & Equipment"
+    parent: "Work Expenses"
+    description: "Tools and equipment required for work"
+
+  - name: "Work Expenses:Vehicle"
+    parent: "Work Expenses"
+    description: "Vehicle expenses for work travel (excl. commuting)"
+
+  - name: "Work Expenses:Self-Education"
+    parent: "Work Expenses"
+    description: "Study directly related to current employment"
+
+labels:
+  - name: "Tax Deductible"
+    description: "Work-related expense claimable on tax return"
+    color: "green"
+    auto_apply: false
+
+  - name: "Requires Receipt"
+    description: "Receipt required for ATO substantiation"
+    color: "yellow"
+    auto_apply: false
+
+  - name: "Work Expense"
+    description: "Work-related expense"
+    color: "purple"
+    auto_apply: true
+
+rules:
+  - id: salary-payment
+    pattern: "salary|wage.*payment|payroll|fortnightly.*pay"
+    category: "Salary/Wages"
+    confidence: high
+    description: "Detect regular salary/wage payments"
+
+  - id: payg-tax
+    pattern: "PAYG.*tax|tax.*withheld|ATO.*payment"
+    category: "PAYG Tax Withheld"
+    confidence: high
+    description: "Detect PAYG tax withholding"
+
+  - id: uniform-expense
+    pattern: "uniform|workwear|protective.*clothing|laundry.*work"
+    category: "Work Expenses:Uniforms"
+    confidence: medium
+    description: "Detect uniform and protective clothing expenses"
+    labels: ["Tax Deductible", "Work Expense"]
+
+  - id: work-tools
+    pattern: "tools?|equipment|laptop.*work|computer.*work"
+    category: "Work Expenses:Tools & Equipment"
+    confidence: medium
+    description: "Detect work tool and equipment purchases"
+    labels: ["Tax Deductible", "Requires Receipt", "Work Expense"]
+
+  - id: work-vehicle
+    pattern: "fuel.*work|parking.*work|tolls.*work|uber.*work"
+    category: "Work Expenses:Vehicle"
+    confidence: low
+    description: "Detect work-related vehicle expenses (requires verification)"
+    labels: ["Tax Deductible", "Requires Receipt", "Work Expense"]
+
+tax_tracking:
+  bas_enabled: false
+  payment_summary_reconciliation: true
+  work_expense_threshold: 300
+  logbook_required: false
+
+alerts:
+  - type: work_expense_threshold
+    trigger: annual_total_exceeds
+    threshold: 300
+    category: "Work Expenses"
+    message: "Work expenses exceed $300 - ensure you have receipts for all claims"
+
+  - type: eofy_reminder
+    schedule: annual
+    before_date: "06-15"
+    message: "EOFY approaching - gather payment summary and work expense receipts"
+
+dependencies:
+  requires: []
+  conflicts_with: ["sole-trader", "small-business"]
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 1

skills/agent-smith/assets/templates/primary/sole-trader.yaml

@@ -0,0 +1,141 @@
+name: Sole Trader / Contractor
+layer: primary
+description: |
+  ABN holder running a business as a sole trader or independent contractor.
+  Includes quarterly BAS obligations and GST tracking.
+
+categories:
+  - name: "Business Income"
+    parent: null
+    description: "Income from ABN-related business activities"
+
+  - name: "Business Expenses"
+    parent: null
+    description: "Tax-deductible business expenses"
+
+  - name: "Business Expenses:Office Supplies"
+    parent: "Business Expenses"
+    description: "Stationery, software, subscriptions"
+
+  - name: "Business Expenses:Travel"
+    parent: "Business Expenses"
+    description: "Business travel and accommodation"
+
+  - name: "Business Expenses:Home Office"
+    parent: "Business Expenses"
+    description: "Home office expenses (percentage allocation)"
+
+  - name: "Business Expenses:Professional Development"
+    parent: "Business Expenses"
+    description: "Training, courses, professional memberships"
+
+  - name: "Business Expenses:Marketing"
+    parent: "Business Expenses"
+    description: "Advertising, website, business cards"
+
+  - name: "GST Collected"
+    parent: "Business Income"
+    description: "GST component of business income"
+
+  - name: "GST Paid"
+    parent: "Business Expenses"
+    description: "GST component of business expenses"
+
+labels:
+  - name: "Tax Deductible"
+    description: "Business expense claimable on tax return"
+    color: "green"
+    auto_apply: false
+
+  - name: "GST Applicable"
+    description: "Includes GST component for BAS"
+    color: "blue"
+    auto_apply: true
+
+  - name: "Business Use"
+    description: "Business-related expense or income"
+    color: "purple"
+    auto_apply: true
+
+  - name: "Home Office"
+    description: "Home office percentage claim"
+    color: "brown"
+    auto_apply: false
+
+  - name: "Input Tax Credit"
+    description: "Eligible for GST credit on BAS"
+    color: "darkblue"
+    auto_apply: false
+
+rules:
+  - id: abn-payment-detection
+    pattern: "ABN.*payment|invoice.*paid|client.*payment|contractor.*payment"
+    category: "Business Income"
+    confidence: high
+    description: "Detect ABN payments from clients"
+    labels: ["Business Use", "GST Applicable"]
+
+  - id: home-office-percentage
+    pattern: "electricity|internet|rent|mortgage.*interest"
+    category: "Business Expenses:Home Office"
+    confidence: medium
+    percentage: 20
+    description: "Allocate home expenses to business use"
+    requires_user_confirmation: true
+    labels: ["Tax Deductible", "Business Use", "Home Office"]
+
+  - id: office-supplies
+    pattern: "officeworks|staples|adobe|microsoft.*365|canva|software"
+    category: "Business Expenses:Office Supplies"
+    confidence: high
+    description: "Detect office supply and software purchases"
+    labels: ["Tax Deductible", "Business Use", "GST Applicable"]
+
+  - id: professional-development
+    pattern: "course|training|conference|webinar|udemy|coursera|linkedin.*learning"
+    category: "Business Expenses:Professional Development"
+    confidence: medium
+    description: "Detect professional development expenses"
+    labels: ["Tax Deductible", "Business Use", "GST Applicable"]
+
+  - id: marketing-expense
+    pattern: "google.*ads|facebook.*ads|instagram.*ads|domain.*registration|web.*hosting|vistaprint"
+    category: "Business Expenses:Marketing"
+    confidence: high
+    description: "Detect marketing and advertising expenses"
+    labels: ["Tax Deductible", "Business Use", "GST Applicable"]
+
+tax_tracking:
+  bas_enabled: true
+  bas_frequency: quarterly
+  gst_method: cash
+  instant_asset_writeoff: true
+  instant_asset_threshold: 20000
+  home_office_percentage: 20
+
+alerts:
+  - type: quarterly_bas_reminder
+    schedule: quarterly
+    before_days: 14
+    message: "BAS due in 14 days - ensure all invoices and expenses are recorded"
+
+  - type: instant_asset_threshold
+    trigger: transaction_over_threshold
+    threshold: 20000
+    message: "Purchase over $20k - may require depreciation schedule instead of instant write-off"
+
+  - type: gst_registration_threshold
+    trigger: annual_income_exceeds
+    threshold: 75000
+    category: "Business Income"
+    message: "Business income approaching $75k - GST registration may be required"
+
+dependencies:
+  requires: []
+  conflicts_with: ["payg-employee", "small-business"]
+
+metadata:
+  created: "2025-11-22"
+  version: "1.0.0"
+  author: "Agent Smith"
+  priority: 1