Create a stable Markdown note with optional resource and revisit time.

When to surface this note as due in a future workspace opening, as a date (YYYY-MM-DD, read as noon UTC) or an ISO 8601 time. Omit it to keep the note retrievable without due-time resurfacing. This does not schedule an agent run or notify the user; background monitoring uses the host scheduler.

Something Candor watches for in the records for this note, so the opening says what it came to without you searching. Only transactions that reach the records after the watch is set count. A payee watch reports watch.seen or watch.broken when one posts, or watch.missed or watch.held once revisit_at passes without one (a promised refund, a cancelled charge, an expected payment). A balance watch reports watch.crossed while the account holds less than the floor (a low-balance alert). An amount watch reports watch.seen for any transaction at or over the amount (a large-charge alert).