montenegro-vatSource-cited draft Use this skill whenever asked to prepare, review, or classify transactions for a Montenegro VAT (PDV) return for any client. Trigger on phrases like "Montenegro VAT", "Montenegrin PDV", "Montenegro tax return", or any request involving Montenegrin VAT. Montenegro has 21% standard, 15% intermediate, and 7% reduced rates. MUST be loaded alongside vat-workflow-base v0.1 or later. ALWAYS read this skill before touching any Montenegrin VAT work.