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Add reference: Azure OpenAI PTU vs PAYG break-even table #97

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@crmvet

The skills/cloud-finops/references/finops-azure-openai.md reference covers Azure OpenAI PTUs and reservation-waste risk. Proposing this practitioner analysis as further reading there: a real-world PTU-vs-PAYG break-even table for Azure OpenAI provisioned throughput, with the utilization thresholds where provisioned capacity actually beats pay-as-you-go.

https://az365.ai/blog/azure-openai-ptu-vs-payg-real-break-even/

Happy to open a PR adding it if it fits the repo's style.

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