Extract ourdigital-estimate-engine; presales-seo now calls it

New skill 96-ourdigital-estimate-engine: method-aware quoting engine
(effort / coaching / procurement) with universal rate_card + per-service
catalog. Real catalogs: seo (effort), education (coaching); stubs:
digital_ads, digital_branding. Validated to reproduce real quotes —
SEO basic ₩10.5M / treatment ₩25.0M, SHR chain ₩29.5M, L'Escape basic
₩10.5M, GA4/GTM coaching ₩1,570,000, procurement +15%.

Refactor 95-ourdigital-presales-seo: remove rate_card.yaml, sow_templates.yaml,
estimate.py (migrated to engine); add findings_to_scope.py; Stage 5 now maps
findings→scope.json and calls the engine CLI. build_deck/kg_query unchanged;
end-to-end validated on SHR (29.5M) + deck renders engine estimate.json.

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

custom-skills/95-ourdigital-presales-seo/references/findings_to_service.md

@@ -44,5 +44,8 @@ markup if billed through us. VAT 별도 · 유효기간 14d · 현금 · 절사
 - `smb` single property → ~**3,000,000** (lean × 55% billing)
 - chain example (SHR, 5 sub-brands ×1.6, treatment) → ~**29,500,000** (vs naive 71.5M)
 
-Edit `rate_card.yaml` + `sow_templates.yaml` together when rates, hours, tiers, or
-scaling change.
+**Pricing now lives in the `ourdigital-estimate-engine` skill** (`../96-ourdigital-estimate-engine`):
+role rates/billing/tiering/scaling in `references/rate_card.yaml`, SEO tiers/hours in
+`catalog/seo.yaml`. This skill maps findings → `scope.json` (`scripts/findings_to_scope.py`)
+and calls the engine. Edit rates/hours/tiers **in the engine**, not here. This file documents
+only the SEO findings→tier/scope mapping.