Recalibrate estimate for SMB acceptability

Real-world feedback: list-rate calc overshot SMB-acceptable levels.
- scaling: driver properties_total -> subbrands_total (chains share templates),
  cap x6.5 -> x2.0, applied to On-page only (Technical now fixed site-wide)
- add 'smb' entry tier (lean hours @ 0.55 billing); 3-tier auto-select
  (smb/basic/treatment) by portfolio size; per-tier billing; --baseline smb enabled
- docs (findings_to_service.md, SKILL.md) synced to 3-tier model

Effect: SHR 25-property chain 71.5M -> 29.5M; SMB single hotel ~3.0M;
basic/treatment still reproduce real 10.5M/25.0M at 1 property.

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

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

@@ -56,9 +56,9 @@ headless Chrome, python-pptx. Create `data/` subfolder. Initialize `findings.jso
 
 ## Stage 5 — Estimate (견적) — REVIEW GATE
 - `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`.
+- **Effort-based** (OurDigital real model): cost = role_rate × 청구율 × 표준 업무시간, by module; 제안가 = 합계 절사. findings auto-select a tier (**smb / basic / treatment**) and scale **On-page** hours sub-linearly by `subbrands_total` (cap ×2.0); Technical is fixed. `smb` tier bills at 0.55, others 0.70. Override with `--baseline` / `--billing` (quote premium single properties as basic/treatment manually).
 - 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.
+- 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; SMB entry ~₩3M; chains stay SMB-acceptable (e.g. 25-property → ~₩29.5M).
 
 ## 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),