Business-day arithmetic with a caller-supplied calendar: add or subtract N working days from a date, or count the working days between two dates. The weekend is a weekday mask (Friday-Saturday and Sunday-only weeks work) and holidays are an explicit date list, so nothing depends on a stale holiday table. Returns the result date, the day count and the skipped dates with reasons. The skipped list is capped at 1,000 entries (skipped_truncated flags it); skipped_total is always exact.

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