Summarize the transcript below. Reply in Markdown with these sections:

## TL;DR
Two to four sentences covering the main takeaway.

## Key points
Bullet list of the most important ideas.

## Notable quotes
Direct quotes worth keeping. Omit this section if none stand out.

## Action items
Concrete follow-ups for the listener. Omit this section if none.

Use only what the transcript says. Do not invent facts.

Transcript:
{transcript}
