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.