Spreadsheet & Data Wrangling Master

Turn messy data into clean insights, automated reports, and decision-ready dashboards. Platform-agnostic — works with CSV, Excel, Google Sheets, or any tabular format.

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Phase 1: Data Intake & Assessment

Before touching any data, assess what you have.

Quick Health Check (score /20)

data_intake:
  source: ""           # file path, URL, API, database, manual entry
  format: ""           # CSV, XLSX, TSV, JSON, clipboard paste
  rows: 0
  columns: 0
  file_size: ""
  encoding: ""         # UTF-8, Latin-1, Windows-1252, etc.
  delimiter: ""        # comma, tab, pipe, semicolon

  health_score:        # rate each 0-4, total /20
    completeness: 0    # 4=<1% missing, 3=<5%, 2=<15%, 1=<30%, 0=>30%
    consistency: 0     # 4=uniform types, 3=minor mixed, 2=significant mixed, 1=chaotic, 0=unusable
    accuracy: 0        # 4=verified, 3=plausible, 2=some outliers, 1=many errors, 0=untrustworthy
    freshness: 0       # 4=real-time, 3=<24h, 2=<7d, 1=<30d, 0=stale/unknown
    structure: 0       # 4=tidy (1 row=1 obs), 3=minor reshaping, 2=pivot needed, 1=multi-header, 0=freeform

  issues_found: []     # list every problem before fixing anything

First 10 Questions to Ask

1. How many rows and columns?
2. What does each row represent? (one customer? one transaction? one day?)
3. Are there header rows? Multiple header rows? Merged cells?
4. What are the data types? (dates, currencies, percentages, IDs, free text)
5. How much is missing? Which columns?
6. Are there duplicates? By which key?
7. Is there a unique identifier column?
8. What date format? (MM/DD/YYYY vs DD/MM/YYYY vs YYYY-MM-DD vs mixed)
9. What currency/number format? (1,000.00 vs 1.000,00 vs 1000)
10. Where did this data come from and how often is it updated?

---

Phase 2: Data Cleaning Decision Tree

Step-by-Step Cleaning Protocol

START
  │
  ├─ Headers → Normalize (lowercase, snake_case, no spaces/special chars)
  │
  ├─ Duplicates?
  │   ├─ Exact duplicates → Remove, keep first
  │   ├─ Near-duplicates → Flag for review (fuzzy match on name + address)
  │   └─ Intentional duplicates → Leave (e.g., multiple orders same customer)
  │
  ├─ Missing Values?
  │   ├─ <5% of column → Fill (mean for numeric, mode for categorical, forward-fill for time series)
  │   ├─ 5-30% → Flag + fill with "UNKNOWN" or interpolate with justification
  │   ├─ >30% → Consider dropping column or flagging as unreliable
  │   └─ Entire row missing key fields → Remove with log
  │
  ├─ Data Types?
  │   ├─ Dates as text → Parse to date (try multiple formats, log failures)
  │   ├─ Numbers as text → Strip currency symbols, commas, whitespace, convert
  │   ├─ IDs/zips with leading zeros → Keep as text (NEVER convert to number)
  │   ├─ Phone numbers → Text, standardize format
  │   ├─ Mixed types in column → Split or coerce with error log
  │   └─ Boolean variants → Map (Yes/No/True/False/1/0/Y/N → consistent)
  │
  ├─ Outliers?
  │   ├─ Calculate IQR: Q1 - 1.5×IQR to Q3 + 1.5×IQR
  │   ├─ Business logic check (negative revenue? age 200? date in 2099?)
  │   ├─ Decide: fix (typo), cap (winsorize), remove, or keep with flag
  │   └─ ALWAYS log which outliers were modified and why
  │
  ├─ Standardization?
  │   ├─ Text case → Consistent (Title Case for names, UPPER for codes)
  │   ├─ Whitespace → Trim leading/trailing, collapse internal
  │   ├─ Categories → Map variants ("US"/"USA"/"United States" → "US")
  │   ├─ Dates → ISO 8601 (YYYY-MM-DD) internally
  │   ├─ Currency → Consistent symbol placement, decimal precision
  │   └─ Phone/email → Validate format
  │
  └─ Structural Issues?
      ├─ Multi-header rows → Flatten to single header
      ├─ Merged cells → Unmerge + fill down
      ├─ Pivot/crosstab → Unpivot to tidy format (1 row = 1 observation)
      ├─ Multiple tables in one sheet → Split to separate sheets/files
      └─ Metadata rows (totals, notes) → Separate from data rows

Cleaning Log Template

cleaning_log:
  date: "YYYY-MM-DD"
  source_file: ""
  rows_before: 0
  rows_after: 0
  actions:
    - action: "removed exact duplicates"
      rows_affected: 0
      key_columns: ["email"]
    - action: "filled missing values"
      column: "state"
      method: "mode"
      values_filled: 0
    - action: "removed outliers"
      column: "revenue"
      criteria: "negative values"
      rows_removed: 0
    - action: "standardized dates"
      column: "order_date"
      from_format: "MM/DD/YYYY"
      to_format: "YYYY-MM-DD"
      parse_failures: 0
  notes: ""

---

Phase 3: Transformation Patterns

12 Essential Transform Operations

#	Operation	When to Use	Example
1	Filter	Subset rows by condition	Orders > $1000, Date after 2024-01-01
2	Sort	Order by column(s)	Revenue descending, then date ascending
3	Group + Aggregate	Summarize by category	Total revenue by region, avg order by customer
4	Pivot	Rows → columns	Monthly columns from date rows
5	Unpivot/Melt	Columns → rows	Month columns back to date rows
6	Join/Merge	Combine datasets	Customer data + order data on customer_id
7	Deduplicate	Remove redundancy	Keep latest record per customer
8	Derive	Calculate new columns	profit = revenue - cost, age = today - birthdate
9	Split	One column → many	"John Smith" → first_name, last_name
10	Concatenate	Many columns → one	city + state + zip → full_address
11	Lookup/Map	Enrich with reference data	state_code → state_name, product_id → category
12	Window	Running calculations	7-day moving average, rank within group, running total

Join Strategy Decision Guide

Which join do you need?
│
├─ Need ALL rows from left table → LEFT JOIN
│   (customers who may or may not have orders)
│
├─ Need ONLY matching rows → INNER JOIN
│   (only customers WITH orders)
│
├─ Need ALL rows from both → FULL OUTER JOIN
│   (reconciliation: find mismatches)
│
├─ Need everything NOT in other table → LEFT JOIN + WHERE right IS NULL
│   (customers who NEVER ordered)
│
└─ Need every combination → CROSS JOIN (rare, use carefully)
    (all products × all stores for pricing matrix)

⚠️ ALWAYS check join results:
- Row count: did it explode? (many-to-many join)
- Row count: did it shrink? (keys not matching)
- NULL columns: expected from outer join, unexpected = key mismatch

Formula Reference (Cross-Platform)

Task	Excel	Google Sheets	Python (pandas)
Lookup	VLOOKUP, XLOOKUP	VLOOKUP, XLOOKUP	df.merge(), df.map()
Conditional sum	SUMIFS	SUMIFS	df.groupby().sum()
Conditional count	COUNTIFS	COUNTIFS	df.groupby().count()
Text split	TEXTSPLIT, LEFT/MID/RIGHT	SPLIT	df.str.split()
Date diff	DATEDIF, math	DATEDIF	(df.col2 - df.col1).dt.days
Running total	SUM($A$1:A1)	SUM($A$1:A1)	df.cumsum()
Rank	RANK.EQ	RANK	df.rank()
Percent of total	=A1/SUM($A:$A)	=A1/SUM($A:$A)	df.col / df.col.sum()
Remove duplicates	Data → Remove Duplicates	Data → Remove Duplicates	df.drop_duplicates()
Pivot	Pivot Table	Pivot Table	df.pivot_table()

---

Phase 4: Analysis Frameworks

Quick Analysis Menu

Pick the analysis that matches the question:

Descriptive (What happened?)

• Summary statistics: count, mean, median, min, max, std dev, percentiles
• Frequency distributions: how many of each category?
• Time trends: daily/weekly/monthly aggregates over time
• Cross-tabs: category A × category B breakdown

Diagnostic (Why did it happen?)

• Drill-down: which segment drove the change?
• Cohort analysis: behavior by signup month
• Correlation: which variables move together?
• Variance analysis: actual vs budget/forecast, by category

Predictive (What might happen?)

• Trend projection: linear/exponential fit + confidence
• Moving averages: 7/30/90 day smoothing
• Seasonality: same-period prior year comparison
• Growth rate: MoM, QoQ, YoY percentage changes

Prescriptive (What should we do?)

• Pareto (80/20): which 20% of X drives 80% of Y?
• Scenario analysis: best/base/worst case with different assumptions
• Sensitivity: which input variable has biggest impact?
• Break-even: at what point does X cover Y?

Insight Formula

Every finding MUST follow this structure:

INSIGHT: [What you found — one sentence]
EVIDENCE: [The specific numbers]
SO WHAT: [Why it matters to the business]
ACTION: [What to do about it]
CONFIDENCE: [High/Medium/Low + why]

Example:

INSIGHT: Customer acquisition cost increased 43% in Q3 vs Q2
EVIDENCE: CAC went from $47 to $67, driven by paid search CPC increase (+62%)
SO WHAT: At current LTV of $180, payback period extended from 3.1 to 4.5 months
ACTION: Shift 30% of paid search budget to email/referral channels (CAC $12 and $23 respectively)
CONFIDENCE: High — based on complete Stripe + Google Ads data for full quarter

---

Phase 5: Dashboard & Report Templates

Executive Summary Dashboard (1-page)

┌──────────────────────────────────────────────────┐
│  EXECUTIVE DASHBOARD — [Period]                   │
│                                                    │
│  ┌─────────┐ ┌─────────┐ ┌─────────┐ ┌─────────┐│
│  │ Revenue  │ │ Customers│ │ Margin  │ │  Growth ││
│  │ $XXX,XXX │ │  X,XXX  │ │  XX.X%  │ │ +XX.X%  ││
│  │ ▲ +X.X%  │ │ ▲ +XXX  │ │ ▼ -X.X% │ │ vs LY   ││
│  └─────────┘ └─────────┘ └─────────┘ └─────────┘│
│                                                    │
│  [Trend chart — key metric over 12 months]        │
│                                                    │
│  TOP 3 INSIGHTS:                                  │
│  1. [Insight + action]                            │
│  2. [Insight + action]                            │
│  3. [Insight + action]                            │
│                                                    │
│  ┌──────────────────┐ ┌──────────────────┐        │
│  │ By Segment       │ │ By Channel       │        │
│  │ (table or chart) │ │ (table or chart) │        │
│  └──────────────────┘ └──────────────────┘        │
└──────────────────────────────────────────────────┘

KPI Formatting Rules

Element	Rule	Example
Big numbers	Abbreviate with 1 decimal	$1.2M, 14.3K
Percentages	1 decimal, always show direction	▲ +12.3%, ▼ -4.1%
Currency	2 decimals for <$1000, 0 for larger	$47.50, $12,000
Dates	Consistent format throughout	Jan 2025, not 01/2025
Comparison	Always include baseline	$120K (+15% vs LY)
RAG status	Use color + text	🟢 On Track, 🟡 At Risk, 🔴 Behind
Sparklines	Show direction at a glance	▁▂▃▅▇ (trending up)

Chart Selection Guide

What are you showing?
│
├─ Change over time → LINE chart (≤5 series) or AREA (stacked composition)
│
├─ Comparison across categories → BAR chart (horizontal for long labels)
│
├─ Part of whole → PIE (≤5 slices) or STACKED BAR (>5 or over time)
│
├─ Distribution → HISTOGRAM or BOX PLOT
│
├─ Relationship between 2 variables → SCATTER PLOT
│
├─ Geographic → MAP (if location data exists)
│
├─ Ranked list → HORIZONTAL BAR sorted descending
│
└─ Single KPI → BIG NUMBER with trend indicator

⚠️ NEVER use:
- 3D charts (distorts perception)
- Dual Y-axes (misleads readers)
- Pie with >7 slices (use bar instead)
- Rainbow colors (use 2-3 colors max + grey)

---

Phase 6: Recurring Report Automation

Automation Checklist

recurring_report:
  name: ""
  frequency: ""          # daily, weekly, monthly, quarterly
  owner: ""
  recipients: []

  data_sources:
    - source: ""         # file path, API, database
      refresh: ""        # how data gets updated
      format: ""

  processing_steps:
    - step: "load data"
      tool: ""           # Python, Excel macro, Google Apps Script
    - step: "clean"
      rules: []          # reference cleaning protocol
    - step: "transform"
      operations: []
    - step: "analyze"
      calculations: []
    - step: "format"
      template: ""       # dashboard template to populate
    - step: "deliver"
      method: ""         # email, Slack, shared drive, API push

  quality_checks:
    - "Row count within expected range (±20%)"
    - "No NULL values in required columns"
    - "Totals reconcile with source system"
    - "Date range matches expected period"
    - "Key metrics pass sanity check (no 10x jumps without explanation)"

  error_handling:
    - trigger: "data source unavailable"
      action: "use cached last-good version + alert"
    - trigger: "row count outside range"
      action: "pause + flag for human review"
    - trigger: "metric exceeds 3× historical std dev"
      action: "include anomaly callout in report"

Python Automation Template

"""
Recurring report: [NAME]
Schedule: [FREQUENCY]
"""
import pandas as pd
from pathlib import Path
from datetime import datetime

# --- Config ---
INPUT_PATH = Path("data/raw/")
OUTPUT_PATH = Path("data/reports/")
REPORT_DATE = datetime.now().strftime("%Y-%m-%d")

# --- Load ---
df = pd.read_csv(INPUT_PATH / "source.csv", parse_dates=["date"])

# --- Clean ---
df = df.drop_duplicates()
df = df.dropna(subset=["required_column"])
df["amount"] = pd.to_numeric(df["amount"], errors="coerce")

# --- Transform ---
summary = (
    df.groupby("category")
    .agg(
        total=("amount", "sum"),
        count=("id", "count"),
        avg=("amount", "mean"),
    )
    .sort_values("total", ascending=False)
    .reset_index()
)

# --- Quality Check ---
assert len(df) > 0, "Empty dataset!"
assert df["amount"].isna().sum() / len(df) < 0.05, "Too many missing amounts"

# --- Output ---
output_file = OUTPUT_PATH / f"report-{REPORT_DATE}.csv"
summary.to_csv(output_file, index=False)
print(f"✅ Report saved: {output_file} | {len(summary)} rows")

---

Phase 7: Common Spreadsheet Patterns

Pattern 1: Financial Model

Sheet structure:
├── Assumptions    → All editable inputs in ONE place (highlighted cells)
├── Revenue        → Formulas reference Assumptions
├── Costs          → Formulas reference Assumptions  
├── P&L            → Pulls from Revenue + Costs
├── Cash Flow      → Derived from P&L + working capital
├── Balance Sheet  → Derived from Cash Flow
├── Scenarios      → Best/Base/Worst toggle that feeds Assumptions
└── Dashboard      → Charts + KPIs pulling from P&L/Cash Flow

Rules:
- Inputs = blue font or yellow background (pick one, be consistent)
- Formulas = black font, never hardcode numbers in formula cells
- Every formula traces back to Assumptions or raw data
- No circular references
- Include version number + last-updated date

Pattern 2: CRM / Contact Tracker

Required columns:
- id (auto-increment or UUID)
- name, email, phone, company
- source (how they found us)
- status (lead → contacted → qualified → proposal → won/lost)
- last_contact_date
- next_action + next_action_date
- deal_value
- notes

Derived columns:
- days_since_last_contact = TODAY() - last_contact_date
- pipeline_stage_days = TODAY() - stage_entry_date
- is_stale = days_since_last_contact > 14

Dashboard metrics:
- Pipeline value by stage
- Conversion rate stage-to-stage
- Average days in each stage
- Stale leads count (action needed)

Pattern 3: Inventory / Stock Tracker

Required columns:
- sku, name, category
- quantity_on_hand, reorder_point, reorder_quantity
- unit_cost, unit_price
- last_received_date, last_sold_date
- supplier

Derived columns:
- stock_value = quantity_on_hand × unit_cost
- margin = (unit_price - unit_cost) / unit_price
- days_of_supply = quantity_on_hand / avg_daily_sales
- needs_reorder = quantity_on_hand <= reorder_point

Alerts:
- 🔴 Below reorder point
- 🟡 Within 7 days of stockout (based on velocity)
- ⚪ Dead stock (no sales in 90 days)

Pattern 4: Project / Task Tracker

Required columns:
- task_id, task_name, description
- assignee, priority (P0-P3)
- status (backlog → in_progress → review → done)
- start_date, due_date, completed_date
- estimated_hours, actual_hours

Derived columns:
- days_remaining = due_date - TODAY()
- is_overdue = due_date < TODAY() AND status != "done"
- effort_variance = actual_hours - estimated_hours
- completion_rate = done_tasks / total_tasks

Dashboard:
- Burndown chart (remaining vs time)
- Status distribution pie
- Overdue tasks list
- Team workload (tasks per assignee)

Pattern 5: Budget vs Actual

Structure:
- Rows: expense categories + revenue lines
- Columns: Budget | Actual | Variance | Variance %
- Group by: month or quarter

Key formulas:
- variance = actual - budget
- variance_pct = (actual - budget) / budget
- YTD_budget = SUM of months through current
- Run_rate = (YTD_actual / months_elapsed) × 12

Conditional formatting:
- Green: favorable variance (revenue over, cost under)
- Red: unfavorable variance (revenue under, cost over)
- Threshold: flag if |variance| > 10%

---

Phase 8: Data Quality Rules

Validation Checklist (run before any analysis)

validation:
  structural:
    - "No duplicate column names"
    - "No completely empty columns"
    - "No completely empty rows (except intentional separators)"
    - "Consistent column count across all rows"
    - "Headers in row 1 (no multi-row headers without handling)"

  type_integrity:
    - "Date columns parse as valid dates"
    - "Numeric columns contain no text (except headers)"
    - "ID columns are unique where expected"
    - "Email columns match basic email pattern"
    - "Phone columns are consistent format"

  business_rules:
    - "Revenue >= 0 (or explain negative = refund)"
    - "Dates within expected range (not in future for historical data)"
    - "Percentages between 0-100 (or 0-1, consistently)"
    - "Status values match allowed list"
    - "Foreign keys exist in reference table"

  completeness:
    - "Required columns have <5% missing"
    - "No orphan records (child without parent)"
    - "Date ranges are continuous (no gaps in daily data)"

Data Quality Score (0-100)

Dimension	Weight	Score 0-4	Criteria
Completeness	25%		% of non-null values in required fields
Uniqueness	15%		% of rows with valid unique keys
Consistency	20%		% of values matching expected format/type
Accuracy	20%		% passing business rule validation
Timeliness	10%		Data freshness vs expected refresh
Conformity	10%		% matching standard formats (dates, phones, emails)

Score = Σ(weight × score/4 × 100)

• 90-100: Production-ready
• 75-89: Minor fixes needed
• 50-74: Significant cleanup required
• <50: Re-collect or restructure before use

---

Phase 9: Format Conversion & Interop

Conversion Decision Matrix

From → To	Best Method	Watch Out For
CSV → Excel	pandas + openpyxl	Encoding, date parsing, leading zeros
Excel → CSV	pandas or openpyxl	Multiple sheets, formulas lost, merged cells
JSON → CSV	pandas json_normalize	Nested objects need flattening
CSV → JSON	pandas to_json	Choose records vs columns orientation
Excel → Google Sheets	Upload directly	Macros stripped, some formulas differ
Google Sheets → Excel	Download as .xlsx	IMPORTRANGE breaks, custom functions lost
PDF table → CSV	Tabula, pdfplumber	Layout detection, merged cells, multi-page
HTML table → CSV	pandas read_html	Multiple tables, nested tables, encoding

Encoding Survival Guide

Garbled text? Try these encodings in order:
1. UTF-8 (default, handles all languages)
2. UTF-8-BOM (Windows exports often add BOM)
3. Latin-1 / ISO-8859-1 (Western European)
4. Windows-1252 (Windows "ANSI")
5. Shift-JIS (Japanese)
6. GB2312 / GBK (Chinese)

Python: pd.read_csv("file.csv", encoding="utf-8-sig")
Detection: chardet or charset-normalizer library

---

Phase 10: Performance & Scale

Size Thresholds

Rows	Tool Recommendation
<10K	Any tool (Excel, Sheets, pandas)
10K-100K	Excel (careful) or pandas
100K-1M	pandas with chunking, or DuckDB
1M-10M	DuckDB, Polars, or database
>10M	Database (PostgreSQL, BigQuery)

Performance Tips

• Read only needed columns: pd.read_csv(file, usecols=["col1","col2"])
• Specify dtypes upfront: Prevents inference overhead
• Use chunking for large files: pd.read_csv(file, chunksize=50000)
• Categoricals for low-cardinality: df["status"] = df["status"].astype("category")
• Avoid iterrows: Use vectorized operations or .apply()
• DuckDB for SQL on files: duckdb.sql("SELECT * FROM 'file.csv' WHERE x > 100")

---

Phase 11: Edge Cases & Gotchas

The Dirty Dozen (most common data problems)

1. Mixed date formats — US (MM/DD) vs EU (DD/MM) vs ISO (YYYY-MM-DD) in same column
2. Excel date serial numbers — 44927 instead of 2023-01-01
3. Leading zeros stripped — ZIP code 01234 becomes 1234
4. Scientific notation — ID 1234567890123 becomes 1.23457E+12
5. Hidden characters — Non-breaking spaces, zero-width chars, BOM markers
6. Merged cells — Only top-left has value, rest are empty
7. Number-as-text — "100" (text) vs 100 (number), looks identical
8. Locale-dependent decimals — 1,234.56 vs 1.234,56
9. Empty string vs NULL — "" and NaN behave differently
10. Trailing whitespace — "New York " ≠ "New York"
11. Excel 1904 date system — Mac-origin files, dates off by 4 years
12. Formula results vs formulas — Copy-paste values loses formulas silently

Multi-Currency Handling

currency_rules:
  - Store amount AND currency code in separate columns
  - Never mix currencies in a single column without code
  - Use ISO 4217 codes (USD, GBP, EUR, BTC)
  - Store exchange rate and rate date used for conversion
  - Keep original amount + converted amount as separate columns
  - Specify: is this the rate at transaction time or current rate?

Time Zone Handling

timezone_rules:
  - Store timestamps in UTC internally
  - Record the source timezone
  - Convert to local time only for display
  - "End of day" = 23:59:59 in the business timezone, not UTC
  - Daylight saving transitions can cause 23h or 25h days
  - Aggregate daily data in business timezone, not UTC

---

Phase 12: Quality Scoring Rubric (0-100)

Dimension	Weight	0 (Fail)	1 (Poor)	2 (Fair)	3 (Good)	4 (Excellent)
Data Cleanliness	20%	Raw dump, untouched	Some cleaning, inconsistent	Most issues addressed	Clean with documented process	Spotless + automated validation
Structure	15%	Unstructured mess	Basic tabular, issues	Proper structure, minor gaps	Tidy data, good schema	Perfect normalization + relationships
Analysis Depth	20%	No analysis	Basic counts/sums	Segmented analysis	Multi-dimensional + insights	Predictive + prescriptive + actions
Visualization	15%	No charts	Wrong chart types	Adequate charts	Clear, well-labeled charts	Publication-quality dashboards
Documentation	10%	None	Minimal notes	Column descriptions	Full data dictionary + methodology	Reproducible + versioned
Automation	10%	Manual everything	Some formulas	Template-based	Scripted pipeline	Fully automated + monitored
Accuracy	10%	Unverified	Spot-checked	Sample-validated	Cross-referenced with source	Reconciled + audit trail

Grading: 90+ = Production analytics, 75-89 = Solid work, 60-74 = Needs improvement, <60 = Redo

---

Natural Language Commands

"Clean this CSV"           → Run Phase 2 cleaning protocol, output clean file + log
"Analyze this data"        → Phase 1 assessment → Phase 4 analysis → insights
"Build a dashboard"        → Phase 5 template → populate with data
"Convert this to Excel"    → Phase 9 conversion with quality preservation
"Find duplicates"          → Dedup analysis with exact + fuzzy matching
"What's wrong with this data?" → Phase 1 health check + Phase 8 validation
"Create a monthly report"  → Phase 6 automation template
"Compare these two files"  → Join + variance analysis
"Summarize by category"    → Group + aggregate + Pareto analysis
"Make this data tidy"      → Unpivot/reshape to 1-row-per-observation
"Set up a budget tracker"  → Phase 7 Pattern 5 template
"Profile this dataset"     → Full Phase 1 + Phase 8 quality score

---

Related AfrexAI Skills

• afrexai-data-analyst — Advanced analytical methodology (DICE framework, statistical analysis)
• afrexai-fpa-engine — Financial planning & analysis with spreadsheet models
• afrexai-budget-tracker — Personal/business budget management
• afrexai-business-automation — Automate recurring spreadsheet workflows

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