Plan Payroll

Three skills in order: know payroll is covered, close the gap if it is not, then run it.

Owners do not ask two separate questions here. "Can I make payroll" and "run payroll" are one worry, and splitting them across two sessions is how a run gets keyed in at 11pm without anyone checking the bank balance first.

Parse arguments:

• --horizon (default 30) — forecast window in days: 30, 60, or 90
• --payroll-date (optional) — the date payroll runs; defaults to the next scheduled pay date

Step 1 — Is payroll covered? (cash-flow-snapshot)

Invoke cash-flow-snapshot. It owns the forecast math, the confidence bands, and the CSV fallback — do not rebuild any of it here.

• Goes in: the horizon and the payroll date.
• Comes out: a 30/60/90-day forecast, named risk flags, a chat summary, and an XLSX.

Say the verdict in one line before anything else: covered, tight, or short by a named dollar amount on a named date.