Seed approved structure: design SSOT, operator docs, scaffolds.

Product layout for Lumina / Salon_Assistant at 0.1.0-design.
No product implementation until explicit build.

skills/README.md

@@ -0,0 +1,30 @@
+# Skills (scaffold)
+
+**Status:** Directory layout only. No skill scripts or SKILL.md bodies until **build**.
+
+See use-case catalog: [design/use-cases.md](../design/use-cases.md).
+
+## Planned skill families
+
+| Directory | Status |
+|-----------|--------|
+| `daily-board/` | Scaffold — skill body at **build** |
+| `availability/` | Scaffold — skill body at **build** |
+| `client-card/` | Scaffold — skill body at **build** |
+| `service-menu/` | Scaffold — skill body at **build** |
+| `retail-stock/` | Scaffold — skill body at **build** |
+| `books-snapshot/` | Scaffold — skill body at **build** |
+| `ar-open-invoices/` | Scaffold — skill body at **build** |
+| `ap-bills-due/` | Scaffold — skill body at **build** |
+| `vendor-spend/` | Scaffold — skill body at **build** |
+| `vendor-inbox/` | Scaffold — skill body at **build** |
+| `draft-invoice/` | Scaffold — skill body at **build** |
+| `draft-client-message/` | Scaffold — skill body at **build** |
+| `social-draft/` | Scaffold — skill body at **build** |
+| `weekly-digest/` | Scaffold — skill body at **build** |
+| `remember-forget/` | Scaffold — skill body at **build** |
+| `setup-education/` | Scaffold — skill body at **build** |
+| `publish-boundary-test/` | Scaffold — skill body at **build** |
+| `_lib/lumina_skills/` | Shared providers (scheduling/books/MCP) — empty until **build** |
+
+Rules (from design): draft-first outbound; no agent payments; deterministic facts from tools; refuse silent send/publish.