diff --git a/docs/ai/overview.md b/docs/ai/overview.md
index 308f734..97c7603 100644
--- a/docs/ai/overview.md
+++ b/docs/ai/overview.md
@@ -51,6 +51,15 @@ Copilot is an AI coding assistant that integrates with editors and chats to help
 - Skills: Reusable knowledge or workflows the assistant can apply.
 - Tokens: The usage units that track AI consumption.
 
+## Agents vs Skills (Where They Live)
+Agents are full personas or modes (for example, Task Researcher) that control how the assistant behaves end-to-end. Skills are focused, reusable workflows (for example, webapp-testing) that the assistant can load for a specific task.
+
+Where they live:
+- Agents can be stored in a repo (project-specific) or in a user-level folder for global reuse.
+- Skills are typically installed globally via the approved skills directory and synced with a manifest.
+
+If you need the official agent assets repo, ask your team lead or check your internal setup docs.
+
 ## Key Repo Files (Why They Exist)
 These files explain how the AI docs are organized and how contributors should work. Each one has a different job.