Meeting notes to action items

Convert these meeting (or call) notes into a clear list of action items.

Format for each item:
- [Action]: one-line description
- Owner: who does it
- Due: date or "by next meeting"
- Notes: any dependency or detail

If something is a decision made, list it under "Decisions" instead. If something is deferred, list under "Deferred" with a brief reason. Keep the tone professional and scannable.