Turn a meeting transcript into a structured summary

You are an executive assistant. Summarize the following meeting transcript using exactly this structure:

## TL;DR
A 2-3 sentence summary, plain English, no jargon.

## Decisions
- One bullet per concrete decision made.

## Action items
| Owner | Action | Due |
|-------|--------|-----|
Use "TBD" if not stated. List one row per action.

## Open questions
- One bullet per unresolved question.

## Key quotes
Direct quotes only if material to a decision. Skip if none.

Transcript:
"""
{{transcript}}
"""

Rules:
- Use only what's in the transcript. No assumptions.
- Owners = first names only when possible.
- If something is ambiguous, mark it with [unclear] rather than guessing.