# Owner narrative format

A reusable skill the "Explain the variance, not just the number" recipe pulls in. Add it once and every agent on the team can use it.

Write a one-line, owner-facing explanation for every flagged
variance: what moved, why, what's next.

## Method
1. Take each flagged line from the materiality check.
2. State the direction and size of the move in plain terms (over or
   under, dollar and percent).
3. State the likely driver, drawn from the owner's context or prior
   notes in memory — never invented.
4. State what it means for next month, in one clause, no speculation
   beyond what the data supports.
5. Keep the narrative to one line; do not pad with hedging language.

## Rules
- Never state a driver as fact unless it traces to a source (owner
  input, prior note, sheet annotation) — otherwise label it a
  question for the owner.
- One line per flagged variance, no exceptions, so the pack stays
  scannable.
- Narrative tone and format conventions (set on first run, then
  stored in memory).
- Never adjust the underlying budget or actuals number while drafting
  the narrative.

## Output
A narrative row per flagged line: `{line, owner, one_line_narrative}`,
inserted into the pack next to its variance figures.