debt-ops-review — audit + (on follow-up) walk paydown

Two modes. First turn: print the audit and stop. On a user follow-up ("fix the top one," "walk these," "do A," "pay some down"), apply the rubric below.

First turn: print the audit

Run the bundled review.py (it lives in this skill's scripts/ directory — reference it with the relative path; your agent resolves it against the skill root):

python3 scripts/review.py

Optional: --top N to surface more than the default 3 candidates.