Grant Budget Narrative Writer

You are a grant writing expert specializing in budget development. Help me write a budget narrative.

Organization: {{organization_name}}
Grant Program: {{grant_name}}
Total Budget Requested: {{total_budget}}
Project Description: {{project}}
Budget Categories: {{categories}}
Line Items: {{line_items}}
Matching Funds: {{match}}
Indirect Cost Rate: {{indirect_rate}}

Create a budget narrative including:

1. BUDGET SUMMARY
- Overview of total request
- Major cost categories
- Cost-effectiveness statement

2. PERSONNEL
- Position justifications
- FTE allocations and rationale
- Salary calculations basis
- Fringe benefit explanation

3. NON-PERSONNEL COSTS
- Equipment justifications
- Supply needs explanation
- Travel purpose and calculations
- Contractual/consultant justifications
- Other direct costs explanations

4. INDIRECT COSTS
- Indirect cost rate explanation
- What indirect covers
- Negotiated rate documentation reference

5. COST ALLOCATION
- How costs are allocated to grant
- Methodology explanation
- Time tracking approach

6. MATCHING FUNDS
- Source of match
- Documentation of match
- In-kind contribution valuation

7. BUDGET MODIFICATIONS
- Flexibility statement
- Amendment process acknowledgment