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/references/rate_card.yaml

@@ -0,0 +1,67 @@
+# OurDigital / D.intelligence — UNIVERSAL rate card (shared across all service lines).
+# Methods: effort (role×billing×hours), coaching (lesson_type×hours), procurement (+15%).
+# Source: real quotes (06_Working Template = SEO; 견적 자료 = GA4/GTM, education). Keep PRIVATE.
+
+company:
+  legal_name: "(주)디인텔리전스 (D.intelligence Lab)"
+  brand: "OurDigital"
+  ceo: "임명재"
+  contact: "info@ourdigital.org"
+  address: "경기도 성남시 수정구 창업로 43 판교글로벌비즈센터 업무동 1층 128호"
+
+quote_prefix: OD
+currency: KRW
+rounding_unit: 500000            # 제안가 절사 단위(효과 기반 프로젝트 견적). 실제 견적 25,340,000→25,000,000 재현.
+
+terms:
+  vat: "부가세 별도"
+  validity_days: 14
+  payment: "현금"
+
+# ── effort method (project services: SEO Audit & Treatment 등) ──────────────
+billing_rate: 0.70               # 청구율 표준 70%
+billing_rate_floor: 0.60         # 협상 시 -10%p 까지(>10%p 는 CEO/CFO 승인)
+basis: {hours_per_day: 8, weeks_per_month: 4}
+procurement_markup: 0.15         # 외부 조달 물품/서비스 수수료
+role_rates:                      # 시간 단가 KRW/hr (직급 기준)
+  ceo: 180000
+  evp: 150000
+  svp: 120000
+  technical_advisor: 120000
+  director: 100000
+  senior_manager: 90000          # 부장 (Senior SEO·PM·Senior Analyst·Account Director)
+  deputy_manager: 80000          # 차장
+  manager: 70000                 # 과장 (SEO·Data Analyst·Engineer|Developer)
+  assistant_manager: 60000       # 대리
+  junior: 50000                  # 주임
+  associate: 30000               # 사원
+  intern: 12000
+tiering:                         # 자동 티어 선택 보정(effort 카탈로그가 tier 를 가질 때)
+  premium_verticals: ["luxury", "premium", "deluxe", "5_star", "5성", "특1급", "boutique_luxury"]
+  premium_min_tier: basic        # 프리미엄 단일 프로퍼티 최소 티어
+scaling:                         # On-page(scale:true) 시간 스케일 — 브랜드/템플릿 수 기준, 캡 ×2.0
+  driver: subbrands_total
+  bands: [[1, 1.0], [3, 1.3], [6, 1.6], [999999, 2.0]]
+tools:
+  semrush_guru: {label: "Advanced SEO Tools — SEMrush Guru", unit: "월간 구독", price_usd: 249.95, note: "고객사 별도 구독(TBD)"}
+
+# ── coaching method (education: 1:1 코칭, 워크숍) ────────────────────────────
+# 실제 견적 재현: 비용 = Σ(lesson_type_prices[type] × hours). subject 행렬은 base×level_multiple
+# (list price) 이나 실제 견적은 base 가격으로 청구되므로 pricing_mode 기본값 base.
+coaching:
+  pricing_mode: base             # base | matrix
+  lesson_type_prices: {화상: 80000, 대면: 100000, 실습: 150000, 워크숍: 300000, 트리트먼트: 500000}
+  level_multiple: {Beginners: 1.0, Intermediate: 1.5, Advanced: 2.0, Expert: 2.5, Trainers: 3.0}
+  subject_levels:                # matrix 모드에서 subject×type 단가 = base × level_multiple[level]
+    "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
+  student_discount:
+    apply_default: false         # 실제 1:1 견적은 할인 미적용 → 기본 off (opt-in)
+    bands: [[5, 0.20], [10, 0.0], [20, 0.20], [30, 0.30]]   # 30+ = 별도 협의