Skills gap matrix builder

This is advisory arithmetic over the numbers as pasted, not a verdict on people. Coverage is the share of assessed ratings that meet the skill's target, empty cells stay out of every figure, and a single point of failure means exactly one person at or above target, which is one sick week away from no cover. The tool does not score individuals, rank them against each other, or store anything: names move only through this tab, and nothing is uploaded. Rate skills the same way across the team, or the comparisons read more precision than the data holds.