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/scripts/estimate.py

@@ -32,28 +32,34 @@ def won(n):
     return f"{int(round(n)):,}원"
 
 
-def scope_multiplier(rate, count):
+def scope_multiplier(rate, f):
+    """Sub-linear hours multiplier from the configured driver (default subbrands_total)."""
     sc = rate.get("scaling", {})
+    driver = sc.get("driver", "subbrands_total")
     bands = sc.get("bands", [[1, 1.0]])
-    c = max(int(count or 0), 1)
+    count = max(int(f.get("entity", {}).get(driver, 0) or 0), 1)
     for mx, m in bands:
-        if c <= mx:
-            return float(m)
-    return float(bands[-1][1])
+        if count <= mx:
+            return float(m), driver, count
+    return float(bands[-1][1]), driver, count
 
 
 def pick_baseline(f, override):
     if override:
         return override
-    severities = {x.get("severity") for x in f.get("findings", [])}
-    props = f.get("entity", {}).get("properties_total", 0) or 0
-    return "treatment" if ("critical" in severities or props > 3) else "basic"
+    e = f.get("entity", {})
+    props = e.get("properties_total", 0) or 0
+    subs = e.get("subbrands_total", 0) or 0
+    if props > 5 or subs > 3:           # multi-brand / chain
+        return "treatment"
+    if props <= 1 and subs == 0:        # single-property SMB
+        return "smb"
+    return "basic"                       # small multi-property / mid
 
 
 def assemble(f, rate, sow, baseline, billing):
     roles = rate["role_rates"]
-    props = f.get("entity", {}).get("properties_total", 0)
-    mult = scope_multiplier(rate, props)
+    mult, driver, dcount = scope_multiplier(rate, f)
     tpl = sow["baselines"][baseline]
     modules = []
     grand = 0.0
@@ -72,7 +78,7 @@ def assemble(f, rate, sow, baseline, billing):
             sub += amount
         modules.append({"name": mod["name"], "subtotal": sub, "tasks": tasks})
         grand += sub
-    return modules, grand, mult, props, tpl["service"]
+    return modules, grand, mult, driver, dcount, tpl["service"]
 
 
 ROLE_KO = {
@@ -91,7 +97,8 @@ def write_md(path, q):
          f"- **산정 기준**: SOW 기반 · 청구율 {int(q['billing_rate']*100)}% · 일 8시간/월 4주 · {q['terms']['vat']} · 지급 {q['terms']['payment']}",
          ""]
     if q["scope"]["hours_multiplier"] != 1.0:
-        L.append(f"> 포트폴리오 규모 반영: 프로퍼티 {q['scope']['properties_total']}개 기준 Technical/On-page 업무시간 ×{q['scope']['hours_multiplier']:g} (서브선형)")
+        dl = "브랜드/템플릿" if q["scope"]["driver"] == "subbrands_total" else "프로퍼티"
+        L.append(f"> 규모 반영: {dl} {q['scope']['driver_count']}개 기준 On-page 업무시간 ×{q['scope']['hours_multiplier']:g} (서브선형)")
         L.append("")
     L += ["## 견적 내역", "",
           "| 구분 | 세부 업무 | 담당 | 시간(h) | 합계 |",
@@ -158,7 +165,7 @@ def main():
     ap.add_argument("--sow", required=True)
     ap.add_argument("--out-dir", default=".")
     ap.add_argument("--seq", type=int, default=1)
-    ap.add_argument("--baseline", choices=["basic", "treatment"], default=None)
+    ap.add_argument("--baseline", choices=["smb", "basic", "treatment"], default=None)
     ap.add_argument("--billing", type=float, default=None)
     args = ap.parse_args()
 
@@ -169,9 +176,13 @@ def main():
     with open(args.sow, encoding="utf-8") as fh:
         sow = yaml.safe_load(fh)
 
-    billing = args.billing if args.billing is not None else rate["billing_rate"]
     baseline = pick_baseline(f, args.baseline)
-    modules, grand, mult, props, service = assemble(f, rate, sow, baseline, billing)
+    tpl_billing = sow["baselines"][baseline].get("billing_rate")
+    billing = (args.billing if args.billing is not None
+               else tpl_billing if tpl_billing is not None else rate["billing_rate"])
+    modules, grand, mult, driver, dcount, service = assemble(f, rate, sow, baseline, billing)
+    props = f.get("entity", {}).get("properties_total", 0)
+    subs = f.get("entity", {}).get("subbrands_total", 0)
 
     rounding = rate["rounding_unit"]
     proposal = int(math.floor(grand / rounding) * rounding)
@@ -190,8 +201,8 @@ def main():
         "prospect": f.get("prospect", {}).get("name", "(prospect)"),
         "service": service, "baseline": baseline, "billing_rate": billing,
         "company": rate["company"], "terms": rate["terms"],
-        "scope": {"properties_total": props,
-                  "subbrands_total": f.get("entity", {}).get("subbrands_total", 0),
+        "scope": {"driver": driver, "driver_count": dcount,
+                  "properties_total": props, "subbrands_total": subs,
                   "hours_multiplier": mult},
         "modules": modules, "subtotal_sum": grand, "proposal": proposal,
         "rounding_unit": rounding,
@@ -209,7 +220,7 @@ def main():
         json.dump(q, fh, ensure_ascii=False, indent=2)
 
     print(f"견적 {quote_no} [{baseline}] 제안가 {won(proposal)} (합계 {won(grand)}) "
-          f"| 프로퍼티 {props} ×{mult:g} | 청구율 {int(billing*100)}%")
+          f"| {driver}={dcount} ×{mult:g} | 청구율 {int(billing*100)}%")
     for m in modules:
         print(f"   {m['name']:24} {won(m['subtotal'])}")