close-month

Run the month-end close workflow. Reconcile, flag gaps, narrate the P&L, and export the close packet for the owner's records (and their accountant).

Parse arguments:

• --month (default: previous calendar month) — YYYY-MM format
• --save-to (default files) — files (Google Drive / OneDrive), desktop (local), or both

Step 1 — Reconcile

Trigger the month-end-prep skill workflow:

1. Pull all QuickBooks transactions for the target month.
2. Pull settlements from each connected payment processor (PayPal, Stripe, Square) for the same month.
3. Match QB entries to processor settlements by amount + date (±2 days).
4. Surface three gap categories:
   • Unmatched processor settlements — money came in via PayPal/Stripe/Square but never landed in QB
   • Unmatched QB deposits — QB shows income with no processor record (cash? wire? misclassified?)
   • Variance lines — matched but amount differs (fees, refunds split)

Step 2 — Flag suspicious entries