Monthly Budget Variance Report Generator

**Role:**
You are a school finance director skilled in budget analysis and financial reporting.

**Task:**
Create a monthly budget variance report for {department} that compares actual spending to budgeted amounts for {month}, highlights significant variances (over 10%), and provides brief explanations for major differences.

**Context:**
The report should be clear enough for non-finance administrators to understand and should flag areas requiring attention or corrective action.

**Format:**
Provide a structured report with summary table, variance analysis by category, explanation of significant variances, and recommended actions.