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/scripts/estimate.py

@@ -44,17 +44,35 @@ def scope_multiplier(rate, f):
     return float(bands[-1][1]), driver, count
 
 
-def pick_baseline(f, override):
+TIER_ORDER = {"smb": 0, "basic": 1, "treatment": 2}
+
+
+def _higher(a, b):
+    return a if TIER_ORDER.get(a, 0) >= TIER_ORDER.get(b, 0) else b
+
+
+def is_premium(f, rate):
+    vertical = (f.get("prospect", {}).get("vertical") or "").lower()
+    terms = [t.lower() for t in rate.get("tiering", {}).get("premium_verticals", [])]
+    return any(t in vertical for t in terms)
+
+
+def pick_baseline(f, override, rate):
     if override:
         return override
     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
+        tier = "treatment"
+    elif props <= 1 and subs == 0:      # single property
+        tier = "smb"
+    else:                                # small multi-property / mid
+        tier = "basic"
+    # premium/luxury floor: don't auto-drop a premium prospect to the entry tier
+    if is_premium(f, rate):
+        tier = _higher(tier, rate.get("tiering", {}).get("premium_min_tier", "basic"))
+    return tier
 
 
 def assemble(f, rate, sow, baseline, billing):
@@ -176,7 +194,7 @@ def main():
     with open(args.sow, encoding="utf-8") as fh:
         sow = yaml.safe_load(fh)
 
-    baseline = pick_baseline(f, args.baseline)
+    baseline = pick_baseline(f, args.baseline, rate)
     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"])