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

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+# 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
+```