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/render.py

@@ -42,10 +42,16 @@ def _md(q, path):
             for i, t in enumerate(m["tasks"]):
                 grp = m["name"] if i == 0 else ""
                 mark = " *" if t["scaled"] else ""
-                L.append(f"| {grp} | {t['task']}{mark} | {ROLE_KO.get(t['role'], t['role'])} | {t['hours']:g} | {won(t['amount'])} |")
+                role_lbl = "고정" if t["role"] == "fixed" else ROLE_KO.get(t["role"], t["role"])
+                hrs = f"{t['hours']:g}" if t.get("hours") is not None else "—"
+                umark = " /월" if t.get("unit") == "monthly" else ""
+                L.append(f"| {grp} | {t['task']}{mark} | {role_lbl} | {hrs} | {won(t['amount'])}{umark} |")
             L.append(f"| | **{m['name']} 소계** | | | **{won(m['subtotal'])}** |")
+        plabel = "제안가(월/retainer)" if q.get("recurring") else "제안가(절사 적용)"
         L += ["", f"- 합계: **{won(q['subtotal_sum'])}**  ·  청구율 {int(q['billing_rate']*100)}% · 일8h/월4주",
-              f"- **제안가(절사 적용): {won(q['proposal'])}** ({q['terms']['vat']})"]
+              f"- **{plabel}: {won(q['proposal'])}** ({q['terms']['vat']})"]
+        if q.get("recurring"):
+            L.append("- ※ '/월' 항목은 월 정기(retainer) 비용 — 계약 기간에 따라 합산.")
     elif q["kind"] == "coaching":
         L += ["## 견적 내역", "", "| 구분 | 세부 | 방식 | 시간 | 단가 | 합계 |", "|---|---|:--:|--:|--:|--:|"]
         for it in q["lessons"]:
@@ -62,6 +68,8 @@ def _md(q, path):
     L += ["", "---", f"> {q['disclaimer']}"]
     if q["kind"] == "effort" and any(t["scaled"] for m in q["modules"] for t in m["tasks"]):
         L.append("> \\* 포트폴리오 규모에 따라 업무시간이 스케일된 항목.")
+    for n in q.get("notes", []):
+        L.append(f"> {n}")
     with open(path, "w", encoding="utf-8") as fh:
         fh.write("\n".join(L) + "\n")
 
@@ -85,10 +93,12 @@ def _xlsx(q, path):
         hdr(["구분", "세부 업무", "담당", "시간(h)", "합계(원)"])
         for m in q["modules"]:
             for i, t in enumerate(m["tasks"]):
-                ws.append([m["name"] if i == 0 else "", t["task"], ROLE_KO.get(t["role"], t["role"]), t["hours"], int(round(t["amount"]))])
+                role_lbl = "고정" if t["role"] == "fixed" else ROLE_KO.get(t["role"], t["role"])
+                hrs = t["hours"] if t.get("hours") is not None else "—"
+                ws.append([m["name"] if i == 0 else "", t["task"], role_lbl, hrs, int(round(t["amount"]))])
             ws.append(["", f"{m['name']} 소계", "", "", int(round(m["subtotal"]))])
         ws.append([])
-        ws.append(["", "제안가(절사 적용)", "", "", int(q["proposal"])])
+        ws.append(["", "제안가(월/retainer)" if q.get("recurring") else "제안가(절사 적용)", "", "", int(q["proposal"])])
         widths = [22, 40, 8, 8, 16]
     elif q["kind"] == "coaching":
         hdr(["구분", "세부", "방식", "시간", "단가", "합계(원)"])