diff --git a/skills/bmad-agent-builder/SKILL.md b/skills/bmad-agent-builder/SKILL.md
index 9a79282..fca1fba 100644
--- a/skills/bmad-agent-builder/SKILL.md
+++ b/skills/bmad-agent-builder/SKILL.md
@@ -3,6 +3,19 @@ name: bmad-agent-builder
 description: Builds, edits or analyzes Agent Skills through conversational discovery. Use when the user requests to "Create an Agent", "Analyze an Agent" or "Edit an Agent".
 ---
 
+## Available Scripts
+
+- **`scripts/resolve-customization.py`** -- Resolves customization from three-layer TOML merge (user > team > defaults). Outputs JSON.
+
+## Resolve Customization
+
+Resolve `inject` and `additional_resources` from customization:
+Run: `python3 scripts/resolve-customization.py bmad-agent-builder --key inject --key additional_resources`
+Use the JSON output as resolved values.
+
+1. **Inject before** -- If `inject.before` resolved to a non-empty value, prepend it to your active instructions and follow it.
+2. **Available resources** -- Note the `additional_resources` list. Do not read these files now; they are available for the injected prompt or workflow steps to reference when needed.
+
 # Agent Builder
 
 ## Overview
@@ -68,3 +81,10 @@ Load `./references/quality-analysis.md` to begin.
 Analyze routes to `./references/quality-analysis.md`. Edit routes to `./references/edit-guidance.md`. Rebuild routes to `./references/build-process.md` with the chosen intent.
 
 Regardless of path, respect headless mode if requested.
+
+## Post-Workflow Customization
+
+After the workflow completes, resolve `inject.after` from customization:
+Run: `python3 scripts/resolve-customization.py bmad-agent-builder --key inject.after`
+
+If resolved `inject.after` is not empty, append it to your active instructions and follow it.
diff --git a/skills/bmad-agent-builder/customize.toml b/skills/bmad-agent-builder/customize.toml
new file mode 100644
index 0000000..85e2798
--- /dev/null
+++ b/skills/bmad-agent-builder/customize.toml
@@ -0,0 +1,27 @@
+# ──────────────────────────────────────────────────────────────────
+# Customization Defaults: bmad-agent-builder
+# This file defines all customizable fields for this skill.
+# DO NOT EDIT THIS FILE -- it is overwritten on every update.
+#
+# HOW TO CUSTOMIZE:
+# 1. Create an override file with only the fields you want to change:
+#      _bmad/customizations/bmad-agent-builder.toml       (team/org, committed to git)
+#      _bmad/customizations/bmad-agent-builder.user.toml   (personal, gitignored)
+# 2. Copy just the fields you want to override into your file.
+#    Unmentioned fields inherit from this defaults file.
+# 3. For array fields (like additional_resources), include the
+#    complete array you want -- arrays replace, not append.
+# ──────────────────────────────────────────────────────────────────
+
+# Additional resource files loaded into workflow context on activation.
+# Paths are relative to {project-root}.
+additional_resources = []
+
+# ──────────────────────────────────────────────────────────────────
+# Injected prompts - content woven into the workflow's context.
+# 'before' loads before the workflow begins.
+# 'after' loads after the workflow completes (pre-finalize).
+# ──────────────────────────────────────────────────────────────────
+[inject]
+before = ""
+after = ""
diff --git a/skills/bmad-agent-builder/scripts/resolve-customization.py b/skills/bmad-agent-builder/scripts/resolve-customization.py
new file mode 100755
index 0000000..d9994a5
--- /dev/null
+++ b/skills/bmad-agent-builder/scripts/resolve-customization.py
@@ -0,0 +1,183 @@
+#!/usr/bin/env python3
+# /// script
+# requires-python = ">=3.11"
+# ///
+"""Resolve customization for a BMad skill using three-layer TOML merge.
+
+Reads customization from three layers (highest priority first):
+  1. {project-root}/_bmad/customizations/{name}.user.toml  (personal, gitignored)
+  2. {project-root}/_bmad/customizations/{name}.toml        (team/org, committed)
+  3. ./customize.toml                                       (skill defaults)
+
+Outputs merged JSON to stdout. Errors go to stderr.
+
+Usage:
+  python ./scripts/resolve-customization.py {skill-name}
+  python ./scripts/resolve-customization.py {skill-name} --key persona
+  python ./scripts/resolve-customization.py {skill-name} --key persona.displayName --key inject
+"""
+
+from __future__ import annotations
+
+import argparse
+import json
+import sys
+import tomllib
+from pathlib import Path
+from typing import Any
+
+
+def find_project_root(start: Path) -> Path | None:
+    """Walk up from *start* looking for a directory containing ``_bmad/`` or ``.git``."""
+    current = start.resolve()
+    while True:
+        if (current / "_bmad").is_dir() or (current / ".git").exists():
+            return current
+        parent = current.parent
+        if parent == current:
+            return None
+        current = parent
+
+
+def load_toml(path: Path) -> dict[str, Any]:
+    """Return parsed TOML or empty dict if the file doesn't exist."""
+    if not path.is_file():
+        return {}
+    try:
+        with open(path, "rb") as f:
+            return tomllib.load(f)
+    except (tomllib.TOMLDecodeError, OSError) as exc:
+        print(f"warning: failed to parse {path}: {exc}", file=sys.stderr)
+        return {}
+
+
+# ---------------------------------------------------------------------------
+# Merge helpers
+# ---------------------------------------------------------------------------
+
+def _is_menu_array(value: Any) -> bool:
+    """True when *value* is a non-empty list where ALL items are dicts with a ``code`` key."""
+    return (
+        isinstance(value, list)
+        and len(value) > 0
+        and all(isinstance(item, dict) and "code" in item for item in value)
+    )
+
+
+def merge_menu(base: list[dict], override: list[dict]) -> list[dict]:
+    """Merge-by-code: matching codes replace; new codes append."""
+    result_by_code: dict[str, dict] = {item["code"]: dict(item) for item in base if "code" in item}
+    for item in override:
+        if "code" not in item:
+            print(f"warning: menu item missing 'code' key, skipping: {item}", file=sys.stderr)
+            continue
+        result_by_code[item["code"]] = dict(item)
+    return list(result_by_code.values())
+
+
+def deep_merge(base: dict[str, Any], override: dict[str, Any]) -> dict[str, Any]:
+    """Recursively merge *override* into *base*.
+
+    Rules:
+      - Tables (dicts): sparse override -- recurse, unmentioned keys kept.
+      - ``[[menu]]`` arrays (items with ``code`` key): merge-by-code.
+      - All other arrays: atomic replace.
+      - Scalars: override wins.
+    """
+    merged = dict(base)
+    for key, over_val in override.items():
+        base_val = merged.get(key)
+
+        if isinstance(over_val, dict) and isinstance(base_val, dict):
+            merged[key] = deep_merge(base_val, over_val)
+        elif _is_menu_array(over_val) and _is_menu_array(base_val):
+            merged[key] = merge_menu(base_val, over_val)  # type: ignore[arg-type]
+        else:
+            merged[key] = over_val
+
+    return merged
+
+
+# ---------------------------------------------------------------------------
+# Key extraction
+# ---------------------------------------------------------------------------
+
+def extract_key(data: dict[str, Any], dotted_key: str) -> Any:
+    """Retrieve a value by dotted path (e.g. ``persona.displayName``)."""
+    parts = dotted_key.split(".")
+    current: Any = data
+    for part in parts:
+        if isinstance(current, dict) and part in current:
+            current = current[part]
+        else:
+            return None
+    return current
+
+
+# ---------------------------------------------------------------------------
+# Main
+# ---------------------------------------------------------------------------
+
+def main() -> None:
+    parser = argparse.ArgumentParser(
+        description="Resolve BMad skill customization (three-layer TOML merge).",
+        epilog=(
+            "Resolution priority: user.toml > team.toml > skill defaults.\n"
+            "Output is JSON. Use --key to request specific fields (JIT resolution)."
+        ),
+    )
+    parser.add_argument(
+        "skill_name",
+        help="Skill identifier (e.g. bmad-agent-pm, bmad-product-brief)",
+    )
+    parser.add_argument(
+        "--key",
+        action="append",
+        dest="keys",
+        metavar="FIELD",
+        help="Dotted field path to resolve (repeatable). Omit for full dump.",
+    )
+    args = parser.parse_args()
+
+    # Locate the skill's own customize.toml (one level up from scripts/)
+    script_dir = Path(__file__).resolve().parent
+    skill_dir = script_dir.parent
+    defaults_path = skill_dir / "customize.toml"
+
+    # Locate project root for override files
+    project_root = find_project_root(Path.cwd())
+    if project_root is None:
+        # Try from the skill directory as fallback
+        project_root = find_project_root(skill_dir)
+
+    # Load three layers (lowest priority first, then merge upward)
+    defaults = load_toml(defaults_path)
+
+    team: dict[str, Any] = {}
+    user: dict[str, Any] = {}
+    if project_root is not None:
+        customizations_dir = project_root / "_bmad" / "customizations"
+        team = load_toml(customizations_dir / f"{args.skill_name}.toml")
+        user = load_toml(customizations_dir / f"{args.skill_name}.user.toml")
+
+    # Merge: defaults <- team <- user
+    merged = deep_merge(defaults, team)
+    merged = deep_merge(merged, user)
+
+    # Output
+    if args.keys:
+        result = {}
+        for key in args.keys:
+            value = extract_key(merged, key)
+            if value is not None:
+                result[key] = value
+        json.dump(result, sys.stdout, indent=2, ensure_ascii=False)
+    else:
+        json.dump(merged, sys.stdout, indent=2, ensure_ascii=False)
+
+    # Ensure trailing newline for clean terminal output
+    print()
+
+
+if __name__ == "__main__":
+    main()
diff --git a/skills/bmad-bmb-setup/SKILL.md b/skills/bmad-bmb-setup/SKILL.md
index 80f6cdf..a9ad4ab 100644
--- a/skills/bmad-bmb-setup/SKILL.md
+++ b/skills/bmad-bmb-setup/SKILL.md
@@ -3,6 +3,19 @@ name: bmad-bmb-setup
 description: Sets up BMad Builder module in a project. Use when the user requests to 'install bmb module', 'configure BMad Builder', or 'setup BMad Builder'.
 ---
 
+## Available Scripts
+
+- **`scripts/resolve-customization.py`** -- Resolves customization from three-layer TOML merge (user > team > defaults). Outputs JSON.
+
+## Resolve Customization
+
+Resolve `inject` and `additional_resources` from customization:
+Run: `python3 scripts/resolve-customization.py bmad-bmb-setup --key inject --key additional_resources`
+Use the JSON output as resolved values.
+
+1. **Inject before** -- If `inject.before` resolved to a non-empty value, prepend it to your active instructions and follow it.
+2. **Available resources** -- Note the `additional_resources` list. Do not read these files now; they are available for the injected prompt or workflow steps to reference when needed.
+
 # Module Setup
 
 ## Overview
@@ -74,3 +87,10 @@ Use the script JSON output to display what was written — config values set (wr
 ## Outcome
 
 Once the user's `user_name` and `communication_language` are known (from collected input, arguments, or existing config), use them consistently for the remainder of the session: address the user by their configured name and communicate in their configured `communication_language`.
+
+## Post-Workflow Customization
+
+After the workflow completes, resolve `inject.after` from customization:
+Run: `python3 scripts/resolve-customization.py bmad-bmb-setup --key inject.after`
+
+If resolved `inject.after` is not empty, append it to your active instructions and follow it.
diff --git a/skills/bmad-bmb-setup/customize.toml b/skills/bmad-bmb-setup/customize.toml
new file mode 100644
index 0000000..6082bf8
--- /dev/null
+++ b/skills/bmad-bmb-setup/customize.toml
@@ -0,0 +1,27 @@
+# ──────────────────────────────────────────────────────────────────
+# Customization Defaults: bmad-bmb-setup
+# This file defines all customizable fields for this skill.
+# DO NOT EDIT THIS FILE -- it is overwritten on every update.
+#
+# HOW TO CUSTOMIZE:
+# 1. Create an override file with only the fields you want to change:
+#      _bmad/customizations/bmad-bmb-setup.toml       (team/org, committed to git)
+#      _bmad/customizations/bmad-bmb-setup.user.toml   (personal, gitignored)
+# 2. Copy just the fields you want to override into your file.
+#    Unmentioned fields inherit from this defaults file.
+# 3. For array fields (like additional_resources), include the
+#    complete array you want -- arrays replace, not append.
+# ──────────────────────────────────────────────────────────────────
+
+# Additional resource files loaded into workflow context on activation.
+# Paths are relative to {project-root}.
+additional_resources = []
+
+# ──────────────────────────────────────────────────────────────────
+# Injected prompts - content woven into the workflow's context.
+# 'before' loads before the workflow begins.
+# 'after' loads after the workflow completes (pre-finalize).
+# ──────────────────────────────────────────────────────────────────
+[inject]
+before = ""
+after = ""
diff --git a/skills/bmad-bmb-setup/scripts/resolve-customization.py b/skills/bmad-bmb-setup/scripts/resolve-customization.py
new file mode 100755
index 0000000..d9994a5
--- /dev/null
+++ b/skills/bmad-bmb-setup/scripts/resolve-customization.py
@@ -0,0 +1,183 @@
+#!/usr/bin/env python3
+# /// script
+# requires-python = ">=3.11"
+# ///
+"""Resolve customization for a BMad skill using three-layer TOML merge.
+
+Reads customization from three layers (highest priority first):
+  1. {project-root}/_bmad/customizations/{name}.user.toml  (personal, gitignored)
+  2. {project-root}/_bmad/customizations/{name}.toml        (team/org, committed)
+  3. ./customize.toml                                       (skill defaults)
+
+Outputs merged JSON to stdout. Errors go to stderr.
+
+Usage:
+  python ./scripts/resolve-customization.py {skill-name}
+  python ./scripts/resolve-customization.py {skill-name} --key persona
+  python ./scripts/resolve-customization.py {skill-name} --key persona.displayName --key inject
+"""
+
+from __future__ import annotations
+
+import argparse
+import json
+import sys
+import tomllib
+from pathlib import Path
+from typing import Any
+
+
+def find_project_root(start: Path) -> Path | None:
+    """Walk up from *start* looking for a directory containing ``_bmad/`` or ``.git``."""
+    current = start.resolve()
+    while True:
+        if (current / "_bmad").is_dir() or (current / ".git").exists():
+            return current
+        parent = current.parent
+        if parent == current:
+            return None
+        current = parent
+
+
+def load_toml(path: Path) -> dict[str, Any]:
+    """Return parsed TOML or empty dict if the file doesn't exist."""
+    if not path.is_file():
+        return {}
+    try:
+        with open(path, "rb") as f:
+            return tomllib.load(f)
+    except (tomllib.TOMLDecodeError, OSError) as exc:
+        print(f"warning: failed to parse {path}: {exc}", file=sys.stderr)
+        return {}
+
+
+# ---------------------------------------------------------------------------
+# Merge helpers
+# ---------------------------------------------------------------------------
+
+def _is_menu_array(value: Any) -> bool:
+    """True when *value* is a non-empty list where ALL items are dicts with a ``code`` key."""
+    return (
+        isinstance(value, list)
+        and len(value) > 0
+        and all(isinstance(item, dict) and "code" in item for item in value)
+    )
+
+
+def merge_menu(base: list[dict], override: list[dict]) -> list[dict]:
+    """Merge-by-code: matching codes replace; new codes append."""
+    result_by_code: dict[str, dict] = {item["code"]: dict(item) for item in base if "code" in item}
+    for item in override:
+        if "code" not in item:
+            print(f"warning: menu item missing 'code' key, skipping: {item}", file=sys.stderr)
+            continue
+        result_by_code[item["code"]] = dict(item)
+    return list(result_by_code.values())
+
+
+def deep_merge(base: dict[str, Any], override: dict[str, Any]) -> dict[str, Any]:
+    """Recursively merge *override* into *base*.
+
+    Rules:
+      - Tables (dicts): sparse override -- recurse, unmentioned keys kept.
+      - ``[[menu]]`` arrays (items with ``code`` key): merge-by-code.
+      - All other arrays: atomic replace.
+      - Scalars: override wins.
+    """
+    merged = dict(base)
+    for key, over_val in override.items():
+        base_val = merged.get(key)
+
+        if isinstance(over_val, dict) and isinstance(base_val, dict):
+            merged[key] = deep_merge(base_val, over_val)
+        elif _is_menu_array(over_val) and _is_menu_array(base_val):
+            merged[key] = merge_menu(base_val, over_val)  # type: ignore[arg-type]
+        else:
+            merged[key] = over_val
+
+    return merged
+
+
+# ---------------------------------------------------------------------------
+# Key extraction
+# ---------------------------------------------------------------------------
+
+def extract_key(data: dict[str, Any], dotted_key: str) -> Any:
+    """Retrieve a value by dotted path (e.g. ``persona.displayName``)."""
+    parts = dotted_key.split(".")
+    current: Any = data
+    for part in parts:
+        if isinstance(current, dict) and part in current:
+            current = current[part]
+        else:
+            return None
+    return current
+
+
+# ---------------------------------------------------------------------------
+# Main
+# ---------------------------------------------------------------------------
+
+def main() -> None:
+    parser = argparse.ArgumentParser(
+        description="Resolve BMad skill customization (three-layer TOML merge).",
+        epilog=(
+            "Resolution priority: user.toml > team.toml > skill defaults.\n"
+            "Output is JSON. Use --key to request specific fields (JIT resolution)."
+        ),
+    )
+    parser.add_argument(
+        "skill_name",
+        help="Skill identifier (e.g. bmad-agent-pm, bmad-product-brief)",
+    )
+    parser.add_argument(
+        "--key",
+        action="append",
+        dest="keys",
+        metavar="FIELD",
+        help="Dotted field path to resolve (repeatable). Omit for full dump.",
+    )
+    args = parser.parse_args()
+
+    # Locate the skill's own customize.toml (one level up from scripts/)
+    script_dir = Path(__file__).resolve().parent
+    skill_dir = script_dir.parent
+    defaults_path = skill_dir / "customize.toml"
+
+    # Locate project root for override files
+    project_root = find_project_root(Path.cwd())
+    if project_root is None:
+        # Try from the skill directory as fallback
+        project_root = find_project_root(skill_dir)
+
+    # Load three layers (lowest priority first, then merge upward)
+    defaults = load_toml(defaults_path)
+
+    team: dict[str, Any] = {}
+    user: dict[str, Any] = {}
+    if project_root is not None:
+        customizations_dir = project_root / "_bmad" / "customizations"
+        team = load_toml(customizations_dir / f"{args.skill_name}.toml")
+        user = load_toml(customizations_dir / f"{args.skill_name}.user.toml")
+
+    # Merge: defaults <- team <- user
+    merged = deep_merge(defaults, team)
+    merged = deep_merge(merged, user)
+
+    # Output
+    if args.keys:
+        result = {}
+        for key in args.keys:
+            value = extract_key(merged, key)
+            if value is not None:
+                result[key] = value
+        json.dump(result, sys.stdout, indent=2, ensure_ascii=False)
+    else:
+        json.dump(merged, sys.stdout, indent=2, ensure_ascii=False)
+
+    # Ensure trailing newline for clean terminal output
+    print()
+
+
+if __name__ == "__main__":
+    main()
diff --git a/skills/bmad-module-builder/SKILL.md b/skills/bmad-module-builder/SKILL.md
index b735e6c..231a7c3 100644
--- a/skills/bmad-module-builder/SKILL.md
+++ b/skills/bmad-module-builder/SKILL.md
@@ -3,6 +3,19 @@ name: bmad-module-builder
 description: Plans, creates, and validates BMad modules. Use when the user requests to 'ideate module', 'plan a module', 'create module', 'build a module', or 'validate module'.
 ---
 
+## Available Scripts
+
+- **`scripts/resolve-customization.py`** -- Resolves customization from three-layer TOML merge (user > team > defaults). Outputs JSON.
+
+## Resolve Customization
+
+Resolve `inject` and `additional_resources` from customization:
+Run: `python3 scripts/resolve-customization.py bmad-module-builder --key inject --key additional_resources`
+Use the JSON output as resolved values.
+
+1. **Inject before** -- If `inject.before` resolved to a non-empty value, prepend it to your active instructions and follow it.
+2. **Available resources** -- Note the `additional_resources` list. Do not read these files now; they are available for the injected prompt or workflow steps to reference when needed.
+
 # BMad Module Builder
 
 ## Overview
@@ -30,3 +43,10 @@ Detect user's intent:
   - **Validate Module (VM)** — "I want to check that my module's setup skill is complete and correct"
 
 If `--headless` or `-H` is passed, route to CM with headless mode.
+
+## Post-Workflow Customization
+
+After the workflow completes, resolve `inject.after` from customization:
+Run: `python3 scripts/resolve-customization.py bmad-module-builder --key inject.after`
+
+If resolved `inject.after` is not empty, append it to your active instructions and follow it.
diff --git a/skills/bmad-module-builder/customize.toml b/skills/bmad-module-builder/customize.toml
new file mode 100644
index 0000000..fcea5a0
--- /dev/null
+++ b/skills/bmad-module-builder/customize.toml
@@ -0,0 +1,27 @@
+# ──────────────────────────────────────────────────────────────────
+# Customization Defaults: bmad-module-builder
+# This file defines all customizable fields for this skill.
+# DO NOT EDIT THIS FILE -- it is overwritten on every update.
+#
+# HOW TO CUSTOMIZE:
+# 1. Create an override file with only the fields you want to change:
+#      _bmad/customizations/bmad-module-builder.toml       (team/org, committed to git)
+#      _bmad/customizations/bmad-module-builder.user.toml   (personal, gitignored)
+# 2. Copy just the fields you want to override into your file.
+#    Unmentioned fields inherit from this defaults file.
+# 3. For array fields (like additional_resources), include the
+#    complete array you want -- arrays replace, not append.
+# ──────────────────────────────────────────────────────────────────
+
+# Additional resource files loaded into workflow context on activation.
+# Paths are relative to {project-root}.
+additional_resources = []
+
+# ──────────────────────────────────────────────────────────────────
+# Injected prompts - content woven into the workflow's context.
+# 'before' loads before the workflow begins.
+# 'after' loads after the workflow completes (pre-finalize).
+# ──────────────────────────────────────────────────────────────────
+[inject]
+before = ""
+after = ""
diff --git a/skills/bmad-module-builder/scripts/resolve-customization.py b/skills/bmad-module-builder/scripts/resolve-customization.py
new file mode 100755
index 0000000..d9994a5
--- /dev/null
+++ b/skills/bmad-module-builder/scripts/resolve-customization.py
@@ -0,0 +1,183 @@
+#!/usr/bin/env python3
+# /// script
+# requires-python = ">=3.11"
+# ///
+"""Resolve customization for a BMad skill using three-layer TOML merge.
+
+Reads customization from three layers (highest priority first):
+  1. {project-root}/_bmad/customizations/{name}.user.toml  (personal, gitignored)
+  2. {project-root}/_bmad/customizations/{name}.toml        (team/org, committed)
+  3. ./customize.toml                                       (skill defaults)
+
+Outputs merged JSON to stdout. Errors go to stderr.
+
+Usage:
+  python ./scripts/resolve-customization.py {skill-name}
+  python ./scripts/resolve-customization.py {skill-name} --key persona
+  python ./scripts/resolve-customization.py {skill-name} --key persona.displayName --key inject
+"""
+
+from __future__ import annotations
+
+import argparse
+import json
+import sys
+import tomllib
+from pathlib import Path
+from typing import Any
+
+
+def find_project_root(start: Path) -> Path | None:
+    """Walk up from *start* looking for a directory containing ``_bmad/`` or ``.git``."""
+    current = start.resolve()
+    while True:
+        if (current / "_bmad").is_dir() or (current / ".git").exists():
+            return current
+        parent = current.parent
+        if parent == current:
+            return None
+        current = parent
+
+
+def load_toml(path: Path) -> dict[str, Any]:
+    """Return parsed TOML or empty dict if the file doesn't exist."""
+    if not path.is_file():
+        return {}
+    try:
+        with open(path, "rb") as f:
+            return tomllib.load(f)
+    except (tomllib.TOMLDecodeError, OSError) as exc:
+        print(f"warning: failed to parse {path}: {exc}", file=sys.stderr)
+        return {}
+
+
+# ---------------------------------------------------------------------------
+# Merge helpers
+# ---------------------------------------------------------------------------
+
+def _is_menu_array(value: Any) -> bool:
+    """True when *value* is a non-empty list where ALL items are dicts with a ``code`` key."""
+    return (
+        isinstance(value, list)
+        and len(value) > 0
+        and all(isinstance(item, dict) and "code" in item for item in value)
+    )
+
+
+def merge_menu(base: list[dict], override: list[dict]) -> list[dict]:
+    """Merge-by-code: matching codes replace; new codes append."""
+    result_by_code: dict[str, dict] = {item["code"]: dict(item) for item in base if "code" in item}
+    for item in override:
+        if "code" not in item:
+            print(f"warning: menu item missing 'code' key, skipping: {item}", file=sys.stderr)
+            continue
+        result_by_code[item["code"]] = dict(item)
+    return list(result_by_code.values())
+
+
+def deep_merge(base: dict[str, Any], override: dict[str, Any]) -> dict[str, Any]:
+    """Recursively merge *override* into *base*.
+
+    Rules:
+      - Tables (dicts): sparse override -- recurse, unmentioned keys kept.
+      - ``[[menu]]`` arrays (items with ``code`` key): merge-by-code.
+      - All other arrays: atomic replace.
+      - Scalars: override wins.
+    """
+    merged = dict(base)
+    for key, over_val in override.items():
+        base_val = merged.get(key)
+
+        if isinstance(over_val, dict) and isinstance(base_val, dict):
+            merged[key] = deep_merge(base_val, over_val)
+        elif _is_menu_array(over_val) and _is_menu_array(base_val):
+            merged[key] = merge_menu(base_val, over_val)  # type: ignore[arg-type]
+        else:
+            merged[key] = over_val
+
+    return merged
+
+
+# ---------------------------------------------------------------------------
+# Key extraction
+# ---------------------------------------------------------------------------
+
+def extract_key(data: dict[str, Any], dotted_key: str) -> Any:
+    """Retrieve a value by dotted path (e.g. ``persona.displayName``)."""
+    parts = dotted_key.split(".")
+    current: Any = data
+    for part in parts:
+        if isinstance(current, dict) and part in current:
+            current = current[part]
+        else:
+            return None
+    return current
+
+
+# ---------------------------------------------------------------------------
+# Main
+# ---------------------------------------------------------------------------
+
+def main() -> None:
+    parser = argparse.ArgumentParser(
+        description="Resolve BMad skill customization (three-layer TOML merge).",
+        epilog=(
+            "Resolution priority: user.toml > team.toml > skill defaults.\n"
+            "Output is JSON. Use --key to request specific fields (JIT resolution)."
+        ),
+    )
+    parser.add_argument(
+        "skill_name",
+        help="Skill identifier (e.g. bmad-agent-pm, bmad-product-brief)",
+    )
+    parser.add_argument(
+        "--key",
+        action="append",
+        dest="keys",
+        metavar="FIELD",
+        help="Dotted field path to resolve (repeatable). Omit for full dump.",
+    )
+    args = parser.parse_args()
+
+    # Locate the skill's own customize.toml (one level up from scripts/)
+    script_dir = Path(__file__).resolve().parent
+    skill_dir = script_dir.parent
+    defaults_path = skill_dir / "customize.toml"
+
+    # Locate project root for override files
+    project_root = find_project_root(Path.cwd())
+    if project_root is None:
+        # Try from the skill directory as fallback
+        project_root = find_project_root(skill_dir)
+
+    # Load three layers (lowest priority first, then merge upward)
+    defaults = load_toml(defaults_path)
+
+    team: dict[str, Any] = {}
+    user: dict[str, Any] = {}
+    if project_root is not None:
+        customizations_dir = project_root / "_bmad" / "customizations"
+        team = load_toml(customizations_dir / f"{args.skill_name}.toml")
+        user = load_toml(customizations_dir / f"{args.skill_name}.user.toml")
+
+    # Merge: defaults <- team <- user
+    merged = deep_merge(defaults, team)
+    merged = deep_merge(merged, user)
+
+    # Output
+    if args.keys:
+        result = {}
+        for key in args.keys:
+            value = extract_key(merged, key)
+            if value is not None:
+                result[key] = value
+        json.dump(result, sys.stdout, indent=2, ensure_ascii=False)
+    else:
+        json.dump(merged, sys.stdout, indent=2, ensure_ascii=False)
+
+    # Ensure trailing newline for clean terminal output
+    print()
+
+
+if __name__ == "__main__":
+    main()
diff --git a/skills/bmad-workflow-builder/SKILL.md b/skills/bmad-workflow-builder/SKILL.md
index 0ce1fc4..2023860 100644
--- a/skills/bmad-workflow-builder/SKILL.md
+++ b/skills/bmad-workflow-builder/SKILL.md
@@ -3,6 +3,19 @@ name: bmad-workflow-builder
 description: Builds, converts, and analyzes workflows and skills. Use when the user requests to "build a workflow", "modify a workflow", "quality check workflow", "analyze skill", or "convert a skill".
 ---
 
+## Available Scripts
+
+- **`scripts/resolve-customization.py`** -- Resolves customization from three-layer TOML merge (user > team > defaults). Outputs JSON.
+
+## Resolve Customization
+
+Resolve `inject` and `additional_resources` from customization:
+Run: `python3 scripts/resolve-customization.py bmad-workflow-builder --key inject --key additional_resources`
+Use the JSON output as resolved values.
+
+1. **Inject before** -- If `inject.before` resolved to a non-empty value, prepend it to your active instructions and follow it.
+2. **Available resources** -- Note the `additional_resources` list. Do not read these files now; they are available for the injected prompt or workflow steps to reference when needed.
+
 # Workflow & Skill Builder
 
 ## Overview
@@ -69,3 +82,10 @@ Load `references/convert-process.md` to begin.
 Analyze routes to `references/quality-analysis.md`. Edit and Rebuild both route to `references/build-process.md` with the chosen intent.
 
 Regardless of path, respect headless mode if requested.
+
+## Post-Workflow Customization
+
+After the workflow completes, resolve `inject.after` from customization:
+Run: `python3 scripts/resolve-customization.py bmad-workflow-builder --key inject.after`
+
+If resolved `inject.after` is not empty, append it to your active instructions and follow it.
diff --git a/skills/bmad-workflow-builder/customize.toml b/skills/bmad-workflow-builder/customize.toml
new file mode 100644
index 0000000..7e9c398
--- /dev/null
+++ b/skills/bmad-workflow-builder/customize.toml
@@ -0,0 +1,27 @@
+# ──────────────────────────────────────────────────────────────────
+# Customization Defaults: bmad-workflow-builder
+# This file defines all customizable fields for this skill.
+# DO NOT EDIT THIS FILE -- it is overwritten on every update.
+#
+# HOW TO CUSTOMIZE:
+# 1. Create an override file with only the fields you want to change:
+#      _bmad/customizations/bmad-workflow-builder.toml       (team/org, committed to git)
+#      _bmad/customizations/bmad-workflow-builder.user.toml   (personal, gitignored)
+# 2. Copy just the fields you want to override into your file.
+#    Unmentioned fields inherit from this defaults file.
+# 3. For array fields (like additional_resources), include the
+#    complete array you want -- arrays replace, not append.
+# ──────────────────────────────────────────────────────────────────
+
+# Additional resource files loaded into workflow context on activation.
+# Paths are relative to {project-root}.
+additional_resources = []
+
+# ──────────────────────────────────────────────────────────────────
+# Injected prompts - content woven into the workflow's context.
+# 'before' loads before the workflow begins.
+# 'after' loads after the workflow completes (pre-finalize).
+# ──────────────────────────────────────────────────────────────────
+[inject]
+before = ""
+after = ""
diff --git a/skills/bmad-workflow-builder/scripts/resolve-customization.py b/skills/bmad-workflow-builder/scripts/resolve-customization.py
new file mode 100755
index 0000000..d9994a5
--- /dev/null
+++ b/skills/bmad-workflow-builder/scripts/resolve-customization.py
@@ -0,0 +1,183 @@
+#!/usr/bin/env python3
+# /// script
+# requires-python = ">=3.11"
+# ///
+"""Resolve customization for a BMad skill using three-layer TOML merge.
+
+Reads customization from three layers (highest priority first):
+  1. {project-root}/_bmad/customizations/{name}.user.toml  (personal, gitignored)
+  2. {project-root}/_bmad/customizations/{name}.toml        (team/org, committed)
+  3. ./customize.toml                                       (skill defaults)
+
+Outputs merged JSON to stdout. Errors go to stderr.
+
+Usage:
+  python ./scripts/resolve-customization.py {skill-name}
+  python ./scripts/resolve-customization.py {skill-name} --key persona
+  python ./scripts/resolve-customization.py {skill-name} --key persona.displayName --key inject
+"""
+
+from __future__ import annotations
+
+import argparse
+import json
+import sys
+import tomllib
+from pathlib import Path
+from typing import Any
+
+
+def find_project_root(start: Path) -> Path | None:
+    """Walk up from *start* looking for a directory containing ``_bmad/`` or ``.git``."""
+    current = start.resolve()
+    while True:
+        if (current / "_bmad").is_dir() or (current / ".git").exists():
+            return current
+        parent = current.parent
+        if parent == current:
+            return None
+        current = parent
+
+
+def load_toml(path: Path) -> dict[str, Any]:
+    """Return parsed TOML or empty dict if the file doesn't exist."""
+    if not path.is_file():
+        return {}
+    try:
+        with open(path, "rb") as f:
+            return tomllib.load(f)
+    except (tomllib.TOMLDecodeError, OSError) as exc:
+        print(f"warning: failed to parse {path}: {exc}", file=sys.stderr)
+        return {}
+
+
+# ---------------------------------------------------------------------------
+# Merge helpers
+# ---------------------------------------------------------------------------
+
+def _is_menu_array(value: Any) -> bool:
+    """True when *value* is a non-empty list where ALL items are dicts with a ``code`` key."""
+    return (
+        isinstance(value, list)
+        and len(value) > 0
+        and all(isinstance(item, dict) and "code" in item for item in value)
+    )
+
+
+def merge_menu(base: list[dict], override: list[dict]) -> list[dict]:
+    """Merge-by-code: matching codes replace; new codes append."""
+    result_by_code: dict[str, dict] = {item["code"]: dict(item) for item in base if "code" in item}
+    for item in override:
+        if "code" not in item:
+            print(f"warning: menu item missing 'code' key, skipping: {item}", file=sys.stderr)
+            continue
+        result_by_code[item["code"]] = dict(item)
+    return list(result_by_code.values())
+
+
+def deep_merge(base: dict[str, Any], override: dict[str, Any]) -> dict[str, Any]:
+    """Recursively merge *override* into *base*.
+
+    Rules:
+      - Tables (dicts): sparse override -- recurse, unmentioned keys kept.
+      - ``[[menu]]`` arrays (items with ``code`` key): merge-by-code.
+      - All other arrays: atomic replace.
+      - Scalars: override wins.
+    """
+    merged = dict(base)
+    for key, over_val in override.items():
+        base_val = merged.get(key)
+
+        if isinstance(over_val, dict) and isinstance(base_val, dict):
+            merged[key] = deep_merge(base_val, over_val)
+        elif _is_menu_array(over_val) and _is_menu_array(base_val):
+            merged[key] = merge_menu(base_val, over_val)  # type: ignore[arg-type]
+        else:
+            merged[key] = over_val
+
+    return merged
+
+
+# ---------------------------------------------------------------------------
+# Key extraction
+# ---------------------------------------------------------------------------
+
+def extract_key(data: dict[str, Any], dotted_key: str) -> Any:
+    """Retrieve a value by dotted path (e.g. ``persona.displayName``)."""
+    parts = dotted_key.split(".")
+    current: Any = data
+    for part in parts:
+        if isinstance(current, dict) and part in current:
+            current = current[part]
+        else:
+            return None
+    return current
+
+
+# ---------------------------------------------------------------------------
+# Main
+# ---------------------------------------------------------------------------
+
+def main() -> None:
+    parser = argparse.ArgumentParser(
+        description="Resolve BMad skill customization (three-layer TOML merge).",
+        epilog=(
+            "Resolution priority: user.toml > team.toml > skill defaults.\n"
+            "Output is JSON. Use --key to request specific fields (JIT resolution)."
+        ),
+    )
+    parser.add_argument(
+        "skill_name",
+        help="Skill identifier (e.g. bmad-agent-pm, bmad-product-brief)",
+    )
+    parser.add_argument(
+        "--key",
+        action="append",
+        dest="keys",
+        metavar="FIELD",
+        help="Dotted field path to resolve (repeatable). Omit for full dump.",
+    )
+    args = parser.parse_args()
+
+    # Locate the skill's own customize.toml (one level up from scripts/)
+    script_dir = Path(__file__).resolve().parent
+    skill_dir = script_dir.parent
+    defaults_path = skill_dir / "customize.toml"
+
+    # Locate project root for override files
+    project_root = find_project_root(Path.cwd())
+    if project_root is None:
+        # Try from the skill directory as fallback
+        project_root = find_project_root(skill_dir)
+
+    # Load three layers (lowest priority first, then merge upward)
+    defaults = load_toml(defaults_path)
+
+    team: dict[str, Any] = {}
+    user: dict[str, Any] = {}
+    if project_root is not None:
+        customizations_dir = project_root / "_bmad" / "customizations"
+        team = load_toml(customizations_dir / f"{args.skill_name}.toml")
+        user = load_toml(customizations_dir / f"{args.skill_name}.user.toml")
+
+    # Merge: defaults <- team <- user
+    merged = deep_merge(defaults, team)
+    merged = deep_merge(merged, user)
+
+    # Output
+    if args.keys:
+        result = {}
+        for key in args.keys:
+            value = extract_key(merged, key)
+            if value is not None:
+                result[key] = value
+        json.dump(result, sys.stdout, indent=2, ensure_ascii=False)
+    else:
+        json.dump(merged, sys.stdout, indent=2, ensure_ascii=False)
+
+    # Ensure trailing newline for clean terminal output
+    print()
+
+
+if __name__ == "__main__":
+    main()