Done. I've created the forecast change note at `/tmp/spb-driver-forecast-review-fy26-claude-spfaddt3/output/drivers-note.md`.

**What changed:** EBITDA fell ($149K) or (32.9%) from Prior to Current, driven primarily by:
- **Active customers** dropped 2 (46 → 44), reducing EBITDA by ($133K)
- **Headcount** increased 0.75 FTE over 9 months, reducing EBITDA by ($54K)
- **Gross margin** improved from 26.2% to 26.6%, offsetting ($39K) of the decline

The active customer loss accounts for nearly 90% of the EBITDA decline. The note asks the respective owners to document the assumptions behind each change.