Rewrite README install section as a 6-step walkthrough

Replace the terse install summary with a click-by-click guide that
covers the full setup in both README.md and README.zh-CN.md:
clone+pip, GCP service account, moving the key out of the repo,
creating the sheet with header row, writing config.json, and a
sanity check. Flag the zh-CN tab-name gotcha (工作表1 vs Sheet1)
that causes HTTP 400 Unable to parse range.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

README.md

@@ -16,18 +16,78 @@ Intended to be invoked manually inside Claude Code today, and wired up to a What
 
 ## Install
 
-Clone into your Claude Code skills directory:
+Follow the 6 steps below. Takes ~10 minutes.
+
+### Step 1 — Clone the skill and install Python deps
 
 ```bash
 git clone https://git.deepknow.site/Knowit/AutoACCT.git ~/.claude/skills/bookkeeping
+pip install google-api-python-client google-auth
 ```
 
-Then follow [`scripts/setup.md`](scripts/setup.md) for the one-time setup:
+### Step 2 — Create a Google Cloud service account
 
-- Python deps: `pip install google-api-python-client google-auth`
+1. Open https://console.cloud.google.com/ and create a new project (e.g. `autoacct`).
-- Create a GCP service account + download its JSON key
+2. In the top search bar, search **Google Sheets API** → click the result → **Enable**.
-- Create a Google Sheet, add 14 header columns, share with the service account email
+3. Left menu: **IAM & Admin → Service Accounts → + Create Service Account**
-- `cp config.example.json config.json` and fill in `sheet_id` + `service_account_path`
+   - Name: `bookkeeping` (any name works)
+   - Click **Create and Continue → Done** (skip the optional role step).
+4. Click the new service account → **Keys** tab → **Add Key → Create new key → JSON → Create**.
+   A `.json` key file will download to your browser's Downloads folder.
+5. **Copy the service account's email** (looks like `bookkeeping@<project>.iam.gserviceaccount.com`) — you'll paste it in Step 4.
+
+### Step 3 — Move the key file out of the repo
+
+Never leave a service-account key inside the repo directory. Move it to `~/.config/gcp/`:
+
+```bash
+mkdir -p ~/.config/gcp
+mv ~/Downloads/<your-downloaded-file>.json ~/.config/gcp/bookkeeping-sa.json
+chmod 600 ~/.config/gcp/bookkeeping-sa.json
+```
+
+### Step 4 — Create the Google Sheet
+
+1. Open https://sheets.new (creates a fresh blank sheet).
+2. Give it a title (e.g. `AutoACCT Expenses`).
+3. **Note the tab name** at the bottom-left — default is `Sheet1` (English UI) or `工作表1` (Chinese UI). Write it down, you'll need the exact string in Step 5.
+4. Click cell **A1**, then paste this one line (the tabs split the headers across A–N automatically):
+   ```
+   Date	Merchant	Category	Amount	Currency	Amount (HKD)	FX Rate	FX Date	Payment Method	Line Items	Raw OCR	Note	Receipt	Logged At
+   ```
+5. Click **Share** (top right) → paste the service-account email from Step 2 → role **Editor** → **Send** (you can uncheck "Notify people").
+6. Copy the **Sheet ID** from the URL — it's the long string between `/d/` and `/edit`:
+   `https://docs.google.com/spreadsheets/d/`**`1abc...xyz`**`/edit`
+
+### Step 5 — Write config.json
+
+```bash
+cd ~/.claude/skills/bookkeeping
+cp config.example.json config.json
+```
+
+Open `config.json` in your editor and fill in **sheet_id** and **worksheet** with the values from Step 4:
+
+```json
+{
+  "sheet_id": "1abc...xyz",
+  "worksheet": "Sheet1",
+  "service_account_path": "~/.config/gcp/bookkeeping-sa.json",
+  "hkd_fx_provider": "frankfurter"
+}
+```
+
+> ⚠️ **Common pitfall**: if your Google Sheets UI is in Chinese, the default tab is named `工作表1` (not `Sheet1`). Put `"worksheet": "工作表1"` exactly. A mismatched tab name throws `HTTP 400: Unable to parse range`.
+
+### Step 6 — Sanity check
+
+```bash
+echo '{"date":"2026-04-20","merchant":"TEST","category":"Other","amount":1,"currency":"HKD","amount_hkd":1,"fx_rate":1,"fx_date":"2026-04-20"}' | python3 ~/.claude/skills/bookkeeping/scripts/append_row.py
+```
+
+Success looks like: `OK 'Sheet1'!A2:N2` and a new row appears in the sheet. Delete the TEST row when you're done.
+
+If you hit an error, see [`scripts/setup.md`](scripts/setup.md) for the longer reference.
 
 ## Use
 

README.zh-CN.md

@@ -16,18 +16,78 @@
 
 ## 安装
 
-把仓库 clone 到 Claude Code 的 skills 目录：
+按下面 6 步操作，整个过程约 10 分钟。
+
+### Step 1 — Clone 仓库 + 装 Python 依赖
 
 ```bash
 git clone https://git.deepknow.site/Knowit/AutoACCT.git ~/.claude/skills/bookkeeping
+pip install google-api-python-client google-auth
 ```
 
-然后按 [`scripts/setup.md`](scripts/setup.md) 完成一次性配置：
+### Step 2 — 建 Google Cloud 服务账号
 
-- 安装 Python 依赖：`pip install google-api-python-client google-auth`
+1. 打开 https://console.cloud.google.com/，左上角下拉 → **New Project** → 随便起名（如 `autoacct`）→ Create
-- 在 GCP 建服务账号并下载 JSON key
+2. 顶部搜索框搜 **Google Sheets API** → 点进去 → **Enable**
-- 新建 Google Sheet，填好 14 列表头，把 sheet 分享给服务账号的 email
+3. 左侧菜单 **IAM & Admin → Service Accounts → + Create Service Account**
-- `cp config.example.json config.json`，填入 `sheet_id` 和 `service_account_path`
+   - Name 填 `bookkeeping`（随意）
+   - 点 **Create and Continue → Done**（中间可选的 role 步骤跳过）
+4. 点进刚建好的服务账号 → 顶部 **Keys** 标签 → **Add Key → Create new key → 选 JSON → Create**
+   浏览器会自动下载一个 `.json` 文件到你的 Downloads
+5. **复制服务账号的 email**（形如 `bookkeeping@<项目名>.iam.gserviceaccount.com`），Step 4 要用
+
+### Step 3 — 把 key 文件挪出 repo
+
+**千万不要**把 key 留在 repo 目录里。挪到 `~/.config/gcp/`：
+
+```bash
+mkdir -p ~/.config/gcp
+mv ~/Downloads/<你下载的文件名>.json ~/.config/gcp/bookkeeping-sa.json
+chmod 600 ~/.config/gcp/bookkeeping-sa.json
+```
+
+### Step 4 — 建 Google Sheet
+
+1. 打开 https://sheets.new（直接创建空白 sheet）
+2. 给 sheet 起个标题（如 `AutoACCT Expenses`）
+3. **记住左下角 tab 的名字** — 英文界面默认 `Sheet1`，中文界面默认 `工作表1`。Step 5 要用这个**精确字符串**
+4. 点进 **A1** 单元格，粘贴下面这一整行（中间是 Tab 分隔，粘进去会自动拆到 A1–N1）：
+   ```
+   Date	Merchant	Category	Amount	Currency	Amount (HKD)	FX Rate	FX Date	Payment Method	Line Items	Raw OCR	Note	Receipt	Logged At
+   ```
+5. 右上角 **Share** → 粘贴 Step 2 复制的服务账号 email → 权限选 **Editor** → **Send**（"Notify people" 可以不勾）
+6. 从 URL 里复制 **Sheet ID** —— `/d/` 和 `/edit` 之间那一长串：
+   `https://docs.google.com/spreadsheets/d/`**`1abc...xyz`**`/edit`
+
+### Step 5 — 写 config.json
+
+```bash
+cd ~/.claude/skills/bookkeeping
+cp config.example.json config.json
+```
+
+用编辑器打开 `config.json`，把 Step 4 拿到的 **sheet_id** 和 **worksheet**（tab 名）填进去：
+
+```json
+{
+  "sheet_id": "1abc...xyz",
+  "worksheet": "Sheet1",
+  "service_account_path": "~/.config/gcp/bookkeeping-sa.json",
+  "hkd_fx_provider": "frankfurter"
+}
+```
+
+> ⚠️ **常见坑**：如果你的 Google Sheets 界面是中文，默认 tab 名是 `工作表1`，**不是** `Sheet1`。必须写成 `"worksheet": "工作表1"`。tab 名不对会报 `HTTP 400: Unable to parse range`。
+
+### Step 6 — 冒烟测试
+
+```bash
+echo '{"date":"2026-04-20","merchant":"TEST","category":"Other","amount":1,"currency":"HKD","amount_hkd":1,"fx_rate":1,"fx_date":"2026-04-20"}' | python3 ~/.claude/skills/bookkeeping/scripts/append_row.py
+```
+
+看到 `OK 'Sheet1'!A2:N2`（或中文 tab 名）并且 sheet 第 2 行出现 TEST，就全通了。完事记得把这行测试数据删掉。
+
+遇到报错可以参考 [`scripts/setup.md`](scripts/setup.md) 的详细版。
 
 ## 使用