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/scripts/methods/effort.py

@@ -57,16 +57,26 @@ def build(scope, rate, catalog):
     mult, driver, dcount = _scope_mult(rate, signals)
     roles = rate["role_rates"]
 
-    modules, grand = [], 0.0
+    modules, grand, recurring = [], 0.0, False
     for mod in t["modules"]:
         tasks, sub = [], 0.0
         for task in mod["tasks"]:
             applied = mult if (task.get("scale") and mult != 1.0) else 1.0
-            hours = round(task["hours"] * applied, 1)
-            rr = roles[task["role"]]
-            amt = rr * billing * hours
-            tasks.append({"task": task["task"], "desc": task.get("desc", ""), "role": task["role"],
-                          "role_rate": rr, "hours": hours, "amount": amt, "scaled": applied != 1.0})
+            unit = task.get("unit", "one_time")
+            if unit == "monthly":
+                recurring = True
+            if "fixed" in task:  # quoted lump sum / Unit Cost (no labor-hour basis)
+                amt = task["fixed"] * applied
+                tasks.append({"task": task["task"], "desc": task.get("desc", ""), "role": "fixed",
+                              "role_rate": None, "hours": None, "amount": amt,
+                              "scaled": applied != 1.0, "unit": unit})
+            else:
+                hours = round(task["hours"] * applied, 1)
+                rr = roles[task["role"]]
+                amt = rr * billing * hours
+                tasks.append({"task": task["task"], "desc": task.get("desc", ""), "role": task["role"],
+                              "role_rate": rr, "hours": hours, "amount": amt,
+                              "scaled": applied != 1.0, "unit": unit})
             sub += amt
         modules.append({"name": mod["name"], "subtotal": sub, "tasks": tasks})
         grand += sub
@@ -75,7 +85,8 @@ def build(scope, rate, catalog):
     proposal = int(math.floor(grand / rounding) * rounding)
     return {
         "kind": "effort", "service": catalog["service"], "label": t.get("label", catalog["service"]),
-        "tier": tier, "billing_rate": billing,
+        "tier": tier, "billing_rate": billing, "recurring": recurring,
+        "notes": t.get("notes", []),
         "scope": {"driver": driver, "driver_count": dcount,
                   "properties_total": signals.get("properties_total", 0),
                   "subbrands_total": signals.get("subbrands_total", 0), "hours_multiplier": mult},