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/render.py

@@ -0,0 +1,123 @@
+"""Render an enriched quote dict to 05_estimate_ko.md, 05_estimate.xlsx, data/estimate.json.
+Handles all kinds: effort (modules), coaching (lessons), procurement (items)."""
+import json
+import os
+
+from openpyxl import Workbook
+from openpyxl.styles import Font, PatternFill
+
+ROLE_KO = {"ceo": "대표", "evp": "전무", "svp": "상무", "technical_advisor": "기술고문",
+           "director": "이사", "senior_manager": "부장", "deputy_manager": "차장",
+           "manager": "과장", "assistant_manager": "대리", "junior": "주임",
+           "associate": "사원", "intern": "인턴"}
+NAVY = "11243D"
+
+
+def won(n):
+    return f"{int(round(n)):,}원"
+
+
+def _header_md(q):
+    svc = q.get("label", q["service"])
+    if q["kind"] == "effort":
+        svc += f" ({q['tier']})"
+    L = [f"# 견적서 — {q['prospect'].get('name', '(prospect)')}", "",
+         f"- **제공 서비스**: {svc}",
+         f"- **견적번호**: {q['quote_no']} · **작성일**: {q['date']} · **유효기간**: ~{q['valid_until']}",
+         f"- **공급자**: {q['company']['legal_name']} (대표 {q['company']['ceo']}, {q['company']['contact']})"]
+    if q.get("stub"):
+        L.append("- ⚠️ **STUB 카탈로그** — 실제 단가 미반영(placeholder). 실제 견적 자료로 교체 필요.")
+    L.append("")
+    return L
+
+
+def _md(q, path):
+    L = _header_md(q)
+    if q["kind"] == "effort":
+        if q["scope"]["hours_multiplier"] != 1.0:
+            dl = "브랜드/템플릿" if q["scope"]["driver"] == "subbrands_total" else "프로퍼티"
+            L += [f"> 규모 반영: {dl} {q['scope']['driver_count']}개 기준 On-page 업무시간 ×{q['scope']['hours_multiplier']:g}", ""]
+        L += ["## 견적 내역", "", "| 구분 | 세부 업무 | 담당 | 시간(h) | 합계 |", "|---|---|:--:|--:|--:|"]
+        for m in q["modules"]:
+            for i, t in enumerate(m["tasks"]):
+                grp = m["name"] if i == 0 else ""
+                mark = " *" if t["scaled"] else ""
+                L.append(f"| {grp} | {t['task']}{mark} | {ROLE_KO.get(t['role'], t['role'])} | {t['hours']:g} | {won(t['amount'])} |")
+            L.append(f"| | **{m['name']} 소계** | | | **{won(m['subtotal'])}** |")
+        L += ["", f"- 합계: **{won(q['subtotal_sum'])}**  ·  청구율 {int(q['billing_rate']*100)}% · 일8h/월4주",
+              f"- **제안가(절사 적용): {won(q['proposal'])}** ({q['terms']['vat']})"]
+    elif q["kind"] == "coaching":
+        L += ["## 견적 내역", "", "| 구분 | 세부 | 방식 | 시간 | 단가 | 합계 |", "|---|---|:--:|--:|--:|--:|"]
+        for it in q["lessons"]:
+            L.append(f"| {it['subject']} | {it['title']} | {it['type']} | {it['hours']:g} | {won(it['unit_price'])} | {won(it['amount'])} |")
+        L += ["", f"- 합계: **{won(q['subtotal_sum'])}** ({q['pricing_mode']} 단가, 수강생 {q['students']}명)"]
+        if q["discount_rate"]:
+            L.append(f"- 할인({int(q['discount_rate']*100)}%): -{won(q['discount_amount'])}")
+        L.append(f"- **제안가: {won(q['proposal'])}** ({q['terms']['vat']})")
+    elif q["kind"] == "procurement":
+        L += ["## 조달 내역", "", "| 항목 | 단가 | 수량 | 수수료 | 합계 |", "|---|--:|--:|:--:|--:|"]
+        for it in q["items"]:
+            L.append(f"| {it['label']} | {it['unit_cost']:,}{it['currency']} | {it['qty']:g} | {int(it['markup']*100)}% | {won(it['amount'])} |")
+        L += ["", f"- **합계: {won(q['proposal'])}** ({q['terms']['vat']})"]
+    L += ["", "---", f"> {q['disclaimer']}"]
+    if q["kind"] == "effort" and any(t["scaled"] for m in q["modules"] for t in m["tasks"]):
+        L.append("> \\* 포트폴리오 규모에 따라 업무시간이 스케일된 항목.")
+    with open(path, "w", encoding="utf-8") as fh:
+        fh.write("\n".join(L) + "\n")
+
+
+def _xlsx(q, path):
+    wb = Workbook()
+    ws = wb.active
+    ws.title = "견적"
+    ws.append([f"견적서 — {q['prospect'].get('name', '(prospect)')}  ({q.get('label', q['service'])})"])
+    ws.append([f"견적번호 {q['quote_no']}", f"작성일 {q['date']}", f"유효 ~{q['valid_until']}", q["terms"]["vat"]])
+    ws.append([])
+
+    def hdr(cols):
+        ws.append(cols)
+        for c in range(1, len(cols) + 1):
+            cell = ws.cell(row=ws.max_row, column=c)
+            cell.fill = PatternFill("solid", fgColor=NAVY)
+            cell.font = Font(color="FFFFFF", bold=True)
+
+    if q["kind"] == "effort":
+        hdr(["구분", "세부 업무", "담당", "시간(h)", "합계(원)"])
+        for m in q["modules"]:
+            for i, t in enumerate(m["tasks"]):
+                ws.append([m["name"] if i == 0 else "", t["task"], ROLE_KO.get(t["role"], t["role"]), t["hours"], int(round(t["amount"]))])
+            ws.append(["", f"{m['name']} 소계", "", "", int(round(m["subtotal"]))])
+        ws.append([])
+        ws.append(["", "제안가(절사 적용)", "", "", int(q["proposal"])])
+        widths = [22, 40, 8, 8, 16]
+    elif q["kind"] == "coaching":
+        hdr(["구분", "세부", "방식", "시간", "단가", "합계(원)"])
+        for it in q["lessons"]:
+            ws.append([it["subject"], it["title"], it["type"], it["hours"], int(it["unit_price"]), int(round(it["amount"]))])
+        ws.append([])
+        ws.append(["", "제안가", "", "", "", int(q["proposal"])])
+        widths = [18, 34, 8, 6, 12, 14]
+    else:  # procurement
+        hdr(["항목", "단가", "수량", "수수료", "합계(원)"])
+        for it in q["items"]:
+            ws.append([it["label"], it["unit_cost"], it["qty"], it["markup"], int(round(it["amount"]))])
+        ws.append([])
+        ws.append(["", "합계", "", "", int(q["proposal"])])
+        widths = [34, 14, 8, 10, 16]
+    ws.cell(row=ws.max_row, column=2).font = Font(bold=True)
+    ws.cell(row=ws.max_row, column=len(widths)).font = Font(bold=True, color="C0392B")
+    ws.append([])
+    ws.append([q["disclaimer"]])
+    for idx, w in enumerate(widths, 1):
+        ws.column_dimensions[chr(64 + idx)].width = w
+    wb.save(path)
+
+
+def write_all(q, out_dir):
+    os.makedirs(out_dir, exist_ok=True)
+    ddir = os.path.join(out_dir, "data")
+    os.makedirs(ddir, exist_ok=True)
+    with open(os.path.join(ddir, "estimate.json"), "w", encoding="utf-8") as fh:
+        json.dump(q, fh, ensure_ascii=False, indent=2)
+    _md(q, os.path.join(out_dir, "05_estimate_ko.md"))
+    _xlsx(q, os.path.join(out_dir, "05_estimate.xlsx"))