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/SKILL.md

@@ -0,0 +1,55 @@
+---
+name: ourdigital-estimate-engine
+description: Method-aware estimate/견적 engine for OurDigital / D.intelligence professional services (SEO, GA4/GTM, education/coaching, digital ads, branding, …). Generates a Korean 견적 (md/xlsx/json) from a generic scope.json using the real company rate card. Use for "OurDigital 견적", "estimate", "quote", "proposal pricing", "cost estimate", "견적서 생성", or when another skill needs to price a service. Costing methods: effort (role×billing×hours), coaching (lesson×hours), procurement (+15%).
+---
+
+# OurDigital Estimate Engine
+
+Single source of truth for OurDigital/D.intelligence pricing. Consuming skills map their
+context into a `scope.json` and call the engine CLI; the engine owns the rate card + service
+catalog and renders the 견적.
+
+## Costing methods (catalog entry declares its `method`)
+- **effort** — `role_rate × 청구율(0.70) × 표준 업무시간`, by module; auto-tier (smb/basic/treatment)
+  by portfolio size + premium-vertical floor; On-page hours scale by sub-brands (cap ×2.0);
+  제안가 = 합계 절사. Reproduces real SEO quotes (basic ₩10.5M / treatment ₩25.0M).
+- **coaching** — `Σ(lesson_type_price × hours)` over a lesson plan; student discount opt-in.
+  Reproduces real GA4/GTM 코칭 (₩1,570,000). Base prices default; subject×level matrix optional.
+- **procurement** — `unit_cost × qty × (1 + 0.15)` for non-labor items.
+
+## Files
+- `references/rate_card.yaml` — universal: role rates, billing, basis, terms, tiering, scaling,
+  procurement, coaching prices/levels/discounts, tools. **Private.**
+- `catalog/<service>.yaml` — per-service: `service`, `method`, body. Real: `seo` (effort),
+  `education` (coaching). Stubs: `digital_ads`, `digital_branding` (effort — `_stub: true`).
+- `scripts/estimate.py` — CLI dispatcher; `scripts/methods/{effort,coaching,procurement}.py`;
+  `scripts/render.py` (md/xlsx/json). `scope.schema.json` — input contract.
+
+## Usage
+```
+python scripts/estimate.py \
+  --rate-card references/rate_card.yaml --catalog-dir catalog \
+  --scope scope.json --out-dir <engagement> [--seq N]
+```
+`scope.json` examples (see `scope.schema.json`):
+- effort: `{"service":"seo","tier":"auto","signals":{"properties_total":25,"subbrands_total":5,"vertical":"hotel_resort"},"prospect":{"name":"…","audit_date":"YYYY-MM-DD"}}`
+- coaching: `{"service":"education","course":"ga4_gtm_intermediate","students":1,"prospect":{…}}`
+- procurement: `{"service":"seo","method":"procurement","items":[{"label":"SEMrush Guru","unit_cost":330000,"qty":6}]}`
+
+Outputs `05_estimate_ko.md`, `05_estimate.xlsx`, `data/estimate.json`. The effort `estimate.json`
+shape is consumed by `ourdigital-presales-seo/build_deck.py`.
+
+## Consuming from another skill (CLI)
+1. Map your context → `scope.json` (service, tier signals or lessons, prospect).
+2. Call `estimate.py`. 3. Use the rendered 견적; for SEO, feed `data/estimate.json` to the deck.
+Example consumer: `ourdigital-presales-seo` (`findings_to_scope.py` → engine → 견적 + deck).
+
+## Adding / editing services
+- New real service: add `catalog/<service>.yaml` with `method` + body from a **real quote**.
+- Stubs (`digital_ads`, `digital_branding`) carry `_stub: true` and placeholder hours — replace
+  with real quote data before client use (the 견적 prints a ⚠STUB banner).
+- Rates change in `rate_card.yaml` only (single source). Validate against a known real quote.
+
+## Conventions
+Korean-first output · 부가세 별도 · 유효기간 14d · 현금 · `OD-YYYY-NNN`. Don't invent rates —
+stub and flag instead. Legal entity (주)디인텔리전스 / info@ourdigital.org.