Add luxury/vertical signal to auto-tiering

pick_baseline now applies a premium floor: if prospect.vertical matches
rate_card.tiering.premium_verticals (luxury/premium/deluxe/5성/특1급…), the
auto-selected tier is floored to premium_min_tier (default basic) so a premium
single property won't drop to the smb entry tier.

Validated: L'Escape (hotel_luxury, 1 property) smb -> basic (₩10.5M);
non-luxury single -> smb (₩3.0M); SHR chain -> treatment (₩29.5M) unchanged.

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

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

@@ -56,7 +56,7 @@ 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 × 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).
+- **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`. Premium verticals (luxury/5성/특1급…) are auto-floored to `basic` via `rate_card.tiering` (so a luxury single property won't drop to `smb`).
 - 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; SMB entry ~₩3M; chains stay SMB-acceptable (e.g. 25-property → ~₩29.5M).