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/96-ourdigital-estimate-engine/DESIGN.md

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+# Design — `ourdigital-estimate-engine` skill
+
+- **Status**: Approved design (2026-05-28). Implementing.
+- **Origin**: Extracted from `ourdigital-presales-seo`'s estimate engine and generalized to
+  cover all OurDigital / D.intelligence professional services via multiple costing methods.
+- **Source data**: real quotes in Google Drive `06_Working Template` (SEO) and `견적 자료`
+  (GA4/GTM, education). Company: (주)디인텔리전스 / D.intelligence Lab, info@ourdigital.org.
+
+## 1. Purpose & scope
+A reusable, **method-aware** estimate engine that produces OurDigital 견적 for any service
+line. Consuming skills (e.g. `ourdigital-presales-seo`) map their context → a generic
+`scope.json` and call the engine CLI. The engine owns the rate card + service catalog
+(single source of truth).
+
+### Costing methods (from real data)
+1. **effort** — `role_rate × billing_rate(0.70) × hours`, grouped into modules; tiering,
+   sub-brand scaling, premium-vertical floor, 절사. (SEO Audit & Treatment, etc.)
+2. **coaching** — `Σ(lesson_type_price × hours)` over a lesson plan, with student-count
+   discount. Base type prices reproduce real quotes; optional subject×level list-price
+   matrix (`base × level_multiple`). (GA4/GTM courses, workshops, education.)
+3. **procurement** — `unit_cost × qty × (1 + 0.15)` for non-labor items (tools, 3rd-party).
+
+All methods share: cover-sheet output, 부가세 별도, 유효기간 14d, 현금, 십만 단위 미만 절사
+(500k floor for project quotes), quote no `OD-YYYY-NNN`.
+
+### Non-goals
+- No invented rates. `digital_ads` / `digital_branding` ship as **effort stubs** (clearly
+  marked) until real quotes exist.
+- No GA4/GTM *effort-implementation* catalog (delivered as coaching → a course in education).
+- Does not replace consuming skills' domain logic (e.g. SEO findings→scope mapping stays in
+  presales-seo).
+
+## 2. Structure
+```
+96-ourdigital-estimate-engine/
+  SKILL.md
+  references/
+    rate_card.yaml            # UNIVERSAL pricing config (see §3)
+  catalog/
+    seo.yaml                  # method: effort — tiers smb/basic/treatment (real)
+    education.yaml            # method: coaching — courses + per-subject levels (real)
+    digital_ads.yaml          # method: effort — STUB
+    digital_branding.yaml     # method: effort — STUB
+  scripts/
+    estimate.py               # CLI dispatcher
+    methods/effort.py
+    methods/coaching.py
+    methods/procurement.py
+    render.py                 # md / xlsx / json output (cover-sheet)
+  scope.schema.json
+```
+
+## 3. `rate_card.yaml` (universal)
+- `company`, `quote_prefix: OD`, `currency: KRW`, `rounding_unit: 500000`
+- `terms`: vat 부가세 별도, validity_days 14, payment 현금
+- **effort**: `billing_rate: 0.70` (floor 0.60), `basis {8h/day, 4wk/mo}`,
+  `procurement_markup: 0.15`, `role_rates {대표 180k … 과장 70k … 인턴 12k}`,
+  `tiering {premium_verticals, premium_min_tier}`, `scaling {driver: subbrands_total,
+  bands cap ×2.0}`, `tools`.
+- **coaching**:
+  - `lesson_type_prices`: 화상 80,000 · 대면 100,000 · 실습 150,000 · 워크숍 300,000 · 트리트먼트 500,000
+  - `level_multiple`: Beginners 1.0 · Intermediate 1.5 · Advanced 2.0 · Expert 2.5 · Trainers 3.0
+  - `subject_levels`: {Content Marketing: Beginners, SEO: Beginners, Google Analytics: Intermediate,
+    Google Tag Manager: Advanced, Digital Marketing Strategy: Advanced, Digital Communication:
+    Intermediate, KPI Setup & Measurement Plan: Expert, Business Model Canvas: Expert,
+    e-Commerce Audit: Advanced}
+  - `pricing_mode: base` (default; reproduces real quotes) | `matrix` (list price = base×level_multiple)
+  - `student_discount_bands`: [[5,0.20],[10,0.0],[20,0.20],[30,0.30]]  (30+ = 별도 협의)
+
+## 4. Catalog entries
+Each file: `service`, `method`, and method-specific body.
+- **seo.yaml** (effort): the current `sow_templates.yaml` verbatim (tiers smb/basic/treatment,
+  modules→tasks with role/hours/scale). Validated to reproduce 10.5M/25.0M.
+- **education.yaml** (coaching): `courses:` — named lesson plans, each `lessons: [{subject,
+  type, hours}]`. Seed with `ga4_gtm_intermediate` (the real 17-lesson, ₩1,570,000 plan) and
+  `ga4_gtm_marketing_analytics`. Subjects resolve levels from rate_card.subject_levels.
+- **digital_ads.yaml / digital_branding.yaml** (effort): STUB — one placeholder tier +
+  `_stub: true`, with a header comment to populate from a real quote.
+
+## 5. `scope.json` (generic input — `scope.schema.json`)
+```jsonc
+// effort
+{"service":"seo","method":"effort","tier":"auto",         // or smb|basic|treatment
+ "signals":{"properties_total":25,"subbrands_total":5,"vertical":"hotel_resort"},
+ "billing_rate":null, "seq":1, "prospect":{"name":"","audit_date":""}}
+// coaching
+{"service":"education","method":"coaching","course":"ga4_gtm_intermediate",
+ "students":1, "pricing_mode":"base", "prospect":{...}}     // or "lessons":[{subject,type,hours}]
+```
+`tier:"auto"` → engine runs tiering (size + premium floor) from `signals`.
+
+## 6. CLI
+`python scripts/estimate.py --catalog-dir catalog --rate-card references/rate_card.yaml
+ --scope scope.json --out-dir <dir> [--seq N]`
+- Dispatcher loads scope → catalog entry → method module → `render.py`.
+- Outputs `05_estimate_ko.md`, `05_estimate.xlsx`, `data/estimate.json`.
+- **effort `estimate.json` keeps the current shape** (modules + 제안가 + scope + terms) so
+  `ourdigital-presales-seo/build_deck.py` keeps working unchanged.
+
+## 7. `ourdigital-presales-seo` refactor (consumption = CLI)
+- **Move** `references/rate_card.yaml` + `references/sow_templates.yaml` → engine
+  (`catalog/seo.yaml`). Delete `scripts/estimate.py` from presales-seo.
+- **Add** `scripts/findings_to_scope.py` (thin): findings.json → scope.json (tier signals,
+  vertical, prospect). Keeps SEO-specific mapping out of the engine.
+- **Stage 5** in SKILL.md: `findings_to_scope.py` → call engine
+  `estimate.py --service seo --scope scope.json`.
+- `build_deck.py`, `kg_query.py`, `render_pdf.sh`, `findings_to_service.md`,
+  `findings.schema.json`, templates → unchanged.
+
+## 8. Validation (before commit)
+- effort: SEO basic ₩10.5M, treatment ₩25.0M (1 property); SHR ₩29.5M; L'Escape `basic` ₩10.5M
+  — identical to pre-refactor.
+- coaching: `ga4_gtm_intermediate` (17 lessons, 1 student) → **₩1,570,000** exactly.
+- procurement: unit_cost × qty × 1.15 sanity check.
+- presales-seo end-to-end: findings→scope→engine→견적 + deck reproduces SHR/L'Escape.
+
+## 9. Future
+Populate `digital_ads` / `digital_branding` from real quotes; add `content_marketing` as a
+project-service if effort quotes emerge (currently a coaching subject); optional matrix-mode
+quotes; more education courses.