FILL: title (e.g. "Team skills coverage")

FILL: framing. Scale 0 (none) → 4 (expert). Watch columns with a single 3–4 — that is a single point of failure.

Person	FILL: Backend	FILL: Frontend	FILL: Infra	FILL: Payments ⚠
FILL: Alice	4	2	1	4
FILL: Bo	3	4	2	0
FILL: Chen	2	3	4	0

⚠ FILL: Payments has one expert (Alice) — single point of failure. Cross-train a backup.