Clarify scaffold structural folders

README.md

@@ -70,6 +70,11 @@ suite**:
   `close-checklist` document, valid against the published v0.1 schema;
 - `configs/workspace.json` — a self-describing copy of the config.
 
+The optional `workspace.folders` setting ensures additional folders exist under
+the workspace root. It is not an allowlist: `init` still creates the suite
+structural folders needed for the generated config, examples, fixtures, and
+pipeline files listed above.
+
 Re-running is safe (idempotent): existing paths are reported as `exists`.
 
 ### 2. Validate a workspace config

src/maxed_cli/schemas/config.schema.json

@@ -46,7 +46,7 @@
         },
         "folders": {
           "type": "array",
-          "description": "Sub-folders to create under the workspace root.",
+          "description": "Additional workspace folders to create under the workspace root. maxed init also creates suite structural folders needed for generated config, examples, fixtures, and pipeline files.",
           "items": { "type": "string", "minLength": 1 },
           "uniqueItems": true,
           "default": ["workpapers", "configs", "fixtures", "exports"]

tests/test_cli.py

@@ -101,6 +101,23 @@ def test_init_scaffolds(tmp_path: Path) -> None:
     assert (ws / "workpapers" / "example.workpaper.json").is_file()
 
 
+def test_init_custom_folders_are_not_structural_folder_allowlist(tmp_path: Path) -> None:
+    config = {
+        **VALID_CONFIG,
+        "workspace": {"root": "./ws", "folders": ["exports"]},
+    }
+    cfg = _yaml(tmp_path / "c.yaml", config)
+    result = runner.invoke(app, ["init", str(cfg), "--base-dir", str(tmp_path)])
+    assert result.exit_code == 0
+
+    ws = tmp_path / "ws"
+    assert (ws / "exports").is_dir()
+    assert (ws / "configs" / "workspace.json").is_file()
+    assert (ws / "fixtures" / "statement.csv").is_file()
+    assert (ws / "pipeline" / "import_transactions.py").is_file()
+    assert (ws / "workpapers" / "example.workpaper.json").is_file()
+
+
 def test_init_is_idempotent(tmp_path: Path) -> None:
     cfg = _yaml(tmp_path / "c.yaml", VALID_CONFIG)
     first = runner.invoke(app, ["init", str(cfg), "--base-dir", str(tmp_path)])