Add real digital_ads + digital_branding catalogs

Built from real D.intelligence docs (not the 견적 자료 folder, which has only
GA4/GTM + education — confirmed):
- digital_branding: TNS 유학원 디지털 브랜딩 진단 컨설팅 → ₩9,000,000 (5 fixed stages)
- digital_ads: 디하이브 디지털 광고·퍼포먼스 마케팅 대행 계약 → ₩6,000,000/월 retainer
  (media-spend commission % is per-deal, kept as a parameter — not invented)

effort method now supports fixed-amount tasks (Unit Cost) and monthly retainers
(unit: monthly); render shows 고정/—//월 and retainer/commission notes.
Validated: branding ₩9.0M, ads ₩6.0M/월; no regression (SEO 25.0M, coaching 1.57M).

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

custom-skills/96-ourdigital-estimate-engine/DESIGN.md

@@ -24,8 +24,8 @@ All methods share: cover-sheet output, 부가세 별도, 유효기간 14d, 현
 (500k floor for project quotes), quote no `OD-YYYY-NNN`.
 
 ### Non-goals
-- No invented rates. `digital_ads` / `digital_branding` ship as **effort stubs** (clearly
-  marked) until real quotes exist.
+- No invented rates. `digital_ads` / `digital_branding` are built from real docs (디하이브 ads
+  대행 계약, TNS 브랜딩 진단 견적); any future service without real data ships as a flagged stub.
 - No GA4/GTM *effort-implementation* catalog (delivered as coaching → a course in education).
 - Does not replace consuming skills' domain logic (e.g. SEO findings→scope mapping stays in
   presales-seo).
@@ -39,8 +39,8 @@ All methods share: cover-sheet output, 부가세 별도, 유효기간 14d, 현
   catalog/
     seo.yaml                  # method: effort — tiers smb/basic/treatment (real)
     education.yaml            # method: coaching — courses + per-subject levels (real)
-    digital_ads.yaml          # method: effort — STUB
-    digital_branding.yaml     # method: effort — STUB
+    digital_ads.yaml          # method: effort — REAL (₩6.0M/월 retainer + per-deal media commission)
+    digital_branding.yaml     # method: effort — REAL (fixed 진단 stages → ₩9.0M)
   scripts/
     estimate.py               # CLI dispatcher
     methods/effort.py
@@ -115,6 +115,7 @@ Each file: `service`, `method`, and method-specific body.
 - presales-seo end-to-end: findings→scope→engine→견적 + deck reproduces SHR/L'Escape.
 
 ## 9. Future
-Populate `digital_ads` / `digital_branding` from real quotes; add `content_marketing` as a
+`digital_ads` / `digital_branding` now real (effort: monthly retainer / fixed stages). Next:
+optional **commission** line for ad media spend (per-deal %); add `content_marketing` as a
 project-service if effort quotes emerge (currently a coaching subject); optional matrix-mode
-quotes; more education courses.
+coaching quotes; more education courses.