Done. I've written the forecast change note to `output/drivers-note.md`. 

**Summary:** Current EBITDA fell ($149K), or (32.9%), from $452K to $303K. The decline was driven primarily by 2 fewer active customers all year (($133K) impact) and 0.75 added FTE over 9 months (($54K) impact), partially offset by a 40 basis point margin improvement ($39K).

The note walks the EBITDA change driver by driver, identifies which assumptions support each change, and traces every figure to the script output.