Rebuild estimate engine to effort-based SOW model

Replace flat per-service ranges with OurDigital's real quoting model
(role_rate × billing_rate 0.70 × standard hours), sourced from the
06_Working Template quotes:
- rate_card.yaml: role rate card, billing/basis/terms, tools, scaling bands
- sow_templates.yaml: basic + treatment task-hour templates
- estimate.py: assemble SOW from findings, scale Technical/On-page hours by
  properties_total, 제안가 = 합계 floored to 500k
- build_deck.py: estimate slide shows module 소계 + 제안가 (point)
- findings_to_service.md / SKILL.md / DESIGN.md: synced to new model

Validated: reproduces real Basic ₩10.5M and Treatment ₩25.0M exactly;
SHR (25 properties) scales to ₩71.5M, L'Escape (1) = ₩25.0M.

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

custom-skills/95-ourdigital-presales-seo/SKILL.md

@@ -55,9 +55,10 @@ headless Chrome, python-pptx. Create `data/` subfolder. Initialize `findings.jso
   → write `03_presales-opportunity-brief.md`.
 
 ## Stage 5 — Estimate (견적) — REVIEW GATE
-- `python scripts/estimate.py --findings <out>/data/findings.json --rate-card references/rate_card.yaml --out-dir <out> --seq <N>`
-- Produces `05_estimate_ko.md`, `05_estimate.xlsx`, `data/estimate.json`. Present the ranged 견적; get sign-off.
-- Rules in `references/findings_to_service.md`; rates in `references/rate_card.yaml` (edit both together).
+- `python scripts/estimate.py --findings <out>/data/findings.json --rate-card references/rate_card.yaml --sow references/sow_templates.yaml --out-dir <out> --seq <N> [--baseline basic|treatment] [--billing 0.70]`
+- **Effort-based** (OurDigital real model): cost = role_rate × 청구율 70% × 표준 업무시간, by module; 제안가 = 합계 절사. findings auto-select baseline (basic/treatment) and scale Technical/On-page hours by `properties_total`.
+- Produces `05_estimate_ko.md`, `05_estimate.xlsx`, `data/estimate.json`. Present the 견적; get sign-off.
+- Logic in `references/findings_to_service.md`; rates/hours in `rate_card.yaml` + `sow_templates.yaml` (edit together). Reproduces real Basic ₩10.5M / Treatment ₩25.0M quotes.
 
 ## Stage 6 — Deliverables — REVIEW GATE before send
 - **Client PDF**: author the short brief HTML from `templates/client_brief.html` (fill the content; keep the CSS),