Agent Skills: money-report

Generate a deliverable markdown report by merging all /money-save snapshots for a project. Produces a shareable, dated document at ~/.smtm/reports/{project}/. Useful for sharing progress with co-founders, advisors, investors, or for personal review weeks/months later. Use when the user wants to package up accumulated state into a readable artifact. Triggered by: 'package this up', 'make me a report', 'export for partner', 'give me the deliverable', '出报告', '打包', '整理一份', '给合伙人看的'.