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/scripts/methods/effort.py

@@ -0,0 +1,84 @@
+"""Effort method: cost = role_rate × billing_rate × hours, grouped by module.
+
+Tier auto-selection (size + premium-vertical floor) and sub-brand hours scaling
+are driven by rate_card config. Reproduces real SEO quotes (10.5M/25.0M).
+"""
+import math
+
+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(signals, rate):
+    v = (signals.get("vertical") or "").lower()
+    return any(t.lower() in v for t in rate.get("tiering", {}).get("premium_verticals", []))
+
+
+def _scope_mult(rate, signals):
+    sc = rate.get("scaling", {})
+    driver = sc.get("driver", "subbrands_total")
+    bands = sc.get("bands", [[1, 1.0]])
+    count = max(int(signals.get(driver, 0) or 0), 1)
+    for mx, m in bands:
+        if count <= mx:
+            return float(m), driver, count
+    return float(bands[-1][1]), driver, count
+
+
+def _pick_tier(signals, rate, available):
+    props = signals.get("properties_total", 0) or 0
+    subs = signals.get("subbrands_total", 0) or 0
+    if props > 5 or subs > 3:
+        tier = "treatment"
+    elif props <= 1 and subs == 0:
+        tier = "smb"
+    else:
+        tier = "basic"
+    if _is_premium(signals, rate):
+        tier = _higher(tier, rate.get("tiering", {}).get("premium_min_tier", "basic"))
+    if tier not in available:
+        tier = "basic" if "basic" in available else sorted(available, key=lambda t: TIER_ORDER.get(t, 9))[0]
+    return tier
+
+
+def build(scope, rate, catalog):
+    tiers = catalog["tiers"]
+    signals = scope.get("signals", {})
+    tier = scope.get("tier") or "auto"
+    if tier == "auto":
+        tier = _pick_tier(signals, rate, set(tiers))
+    if tier not in tiers:
+        raise SystemExit(f"tier '{tier}' not in catalog tiers {list(tiers)}")
+    t = tiers[tier]
+    billing = scope.get("billing_rate") or t.get("billing_rate") or rate["billing_rate"]
+    mult, driver, dcount = _scope_mult(rate, signals)
+    roles = rate["role_rates"]
+
+    modules, grand = [], 0.0
+    for mod in t["modules"]:
+        tasks, sub = [], 0.0
+        for task in mod["tasks"]:
+            applied = mult if (task.get("scale") and mult != 1.0) else 1.0
+            hours = round(task["hours"] * applied, 1)
+            rr = roles[task["role"]]
+            amt = rr * billing * hours
+            tasks.append({"task": task["task"], "desc": task.get("desc", ""), "role": task["role"],
+                          "role_rate": rr, "hours": hours, "amount": amt, "scaled": applied != 1.0})
+            sub += amt
+        modules.append({"name": mod["name"], "subtotal": sub, "tasks": tasks})
+        grand += sub
+
+    rounding = rate["rounding_unit"]
+    proposal = int(math.floor(grand / rounding) * rounding)
+    return {
+        "kind": "effort", "service": catalog["service"], "label": t.get("label", catalog["service"]),
+        "tier": tier, "billing_rate": billing,
+        "scope": {"driver": driver, "driver_count": dcount,
+                  "properties_total": signals.get("properties_total", 0),
+                  "subbrands_total": signals.get("subbrands_total", 0), "hours_multiplier": mult},
+        "modules": modules, "subtotal_sum": grand, "proposal": proposal,
+        "rounding_unit": rounding, "stub": bool(catalog.get("_stub", False)),
+    }