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Agent Smith transforms PocketSmith from a passive tracking tool into an active financial intelligence system within Claude Code. It features a hybrid rule engine for transaction categorization, advanced Australian tax (ATO) compliance tracking, and detailed financial reporting across multiple formats like Excel and Markdown. The skill enables users to perform complex scenario modeling, such as "what-if" spending replays and future projections, while a built-in health check system ensures data integrity, budget alignment, and tax readiness through automated monitoring.