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/95-ourdigital-presales-seo/SKILL.md

@@ -55,10 +55,12 @@ headless Chrome, python-pptx. Create `data/` subfolder. Initialize `findings.jso
   → write `03_presales-opportunity-brief.md`.
 
 ## Stage 5 — Estimate (견적) — REVIEW GATE
-- `python scripts/estimate.py --findings <out>/data/findings.json --rate-card references/rate_card.yaml --sow references/sow_templates.yaml --out-dir <out> --seq <N> [--baseline basic|treatment] [--billing 0.70]`
+Pricing is delegated to the **`ourdigital-estimate-engine`** skill (`../96-ourdigital-estimate-engine`); this skill only maps findings → scope, then calls the engine:
-- **Effort-based** (OurDigital real model): cost = role_rate × 청구율 × 표준 업무시간, by module; 제안가 = 합계 절사. findings auto-select a tier (**smb / basic / treatment**) and scale **On-page** hours sub-linearly by `subbrands_total` (cap ×2.0); Technical is fixed. `smb` tier bills at 0.55, others 0.70. Override with `--baseline` / `--billing`. Premium verticals (luxury/5성/특1급…) are auto-floored to `basic` via `rate_card.tiering` (so a luxury single property won't drop to `smb`).
+- `python scripts/findings_to_scope.py --findings <out>/data/findings.json --out <out>/data/scope.json --seq <N> [--tier auto|smb|basic|treatment] [--billing 0.70]`
-- Produces `05_estimate_ko.md`, `05_estimate.xlsx`, `data/estimate.json`. Present the 견적; get sign-off.
+- `ENG=../96-ourdigital-estimate-engine; python $ENG/scripts/estimate.py --rate-card $ENG/references/rate_card.yaml --catalog-dir $ENG/catalog --scope <out>/data/scope.json --out-dir <out>`
-- Logic in `references/findings_to_service.md`; rates/hours in `rate_card.yaml` + `sow_templates.yaml` (edit together). Reproduces real Basic ₩10.5M / Treatment ₩25.0M; SMB entry ~₩3M; chains stay SMB-acceptable (e.g. 25-property → ~₩29.5M).
+- Engine (effort method, `seo` catalog): auto-tier (smb/basic/treatment) by portfolio + premium-vertical floor; On-page hours scale by `subbrands_total` (cap ×2.0); 제안가 = 합계 절사. Reproduces Basic ₩10.5M / Treatment ₩25.0M; SMB ~₩3M; 25-property chain ~₩29.5M.
+- Produces `05_estimate_ko.md`, `05_estimate.xlsx`, `data/estimate.json` (effort shape → consumed by `build_deck.py`). Present the 견적; get sign-off.
+- SEO findings→scope/tier mapping lives here (`findings_to_service.md`); **rates/hours/tiers live in the engine** (`rate_card.yaml` + `catalog/seo.yaml`) — edit pricing there, not here.
 
 ## Stage 6 — Deliverables — REVIEW GATE before send
 - **Client PDF**: author the short brief HTML from `templates/client_brief.html` (fill the content; keep the CSS),

custom-skills/95-ourdigital-presales-seo/references/findings_to_service.md

@@ -44,5 +44,8 @@ markup if billed through us. VAT 별도 · 유효기간 14d · 현금 · 절사
 - `smb` single property → ~**3,000,000** (lean × 55% billing)
 - chain example (SHR, 5 sub-brands ×1.6, treatment) → ~**29,500,000** (vs naive 71.5M)
 
-Edit `rate_card.yaml` + `sow_templates.yaml` together when rates, hours, tiers, or
+**Pricing now lives in the `ourdigital-estimate-engine` skill** (`../96-ourdigital-estimate-engine`):
-scaling change.
+role rates/billing/tiering/scaling in `references/rate_card.yaml`, SEO tiers/hours in
+`catalog/seo.yaml`. This skill maps findings → `scope.json` (`scripts/findings_to_scope.py`)
+and calls the engine. Edit rates/hours/tiers **in the engine**, not here. This file documents
+only the SEO findings→tier/scope mapping.

custom-skills/95-ourdigital-presales-seo/references/rate_card.yaml

@@ -1,66 +0,0 @@
-# OurDigital / D.intelligence — rate card (effort-based)
-# Source of truth: 06_Working Template 견적서 (Google Drive), 2026-05.
-# Model: 비용 = 시간단가(role) × 청구율(billing_rate) × 표준 업무시간(hours).
-# Estimates are assembled bottom-up from sow_templates.yaml. 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                 # OD-YYYY-NNN
-currency: KRW
-
-billing_rate: 0.70               # 청구율 표준 70%
-billing_rate_floor: 0.60         # 협상 시 -10%p 까지(>10%p 조정은 CEO/CFO 승인)
-basis:
-  hours_per_day: 8               # 일 8시간
-  weeks_per_month: 4             # 월 4주
-procurement_markup: 0.15         # 조달-관리 수수료 15% (외부 조달 물품/서비스)
-rounding_unit: 500000            # 제안가 = 합계 절사. 50만원 단위가 실제 견적(25,340,000→25,000,000;
-                                 # 10,612,000→10,500,000)을 재현. 필요시 100000/1000000 으로 조정.
-
-terms:
-  vat: "부가세 별도"
-  validity_days: 14              # 견적 유효기간(약 2주)
-  payment: "현금"
-
-# 자동 티어링 보정. 프리미엄/럭셔리 prospect 는 규모가 작아도 entry(smb) 아래로
-# 자동 선택되지 않도록 최소 티어를 보장. prospect.vertical 문자열에 아래 용어가
-# 포함되면 프리미엄으로 간주(부분 일치, 대소문자 무시).
-tiering:
-  premium_verticals: ["luxury", "premium", "deluxe", "5_star", "5성", "특1급", "boutique_luxury"]
-  premium_min_tier: basic        # 프리미엄 단일 프로퍼티 최소 티어 (smb < basic < treatment)
-
-# 시간 단가 (KRW/hr) — 직급 기준. sow_templates.yaml의 task.role 이 이 키를 참조.
-role_rates:
-  ceo: 180000                    # 대표
-  evp: 150000                    # 전무
-  svp: 120000                    # 상무
-  technical_advisor: 120000      # 기술고문
-  director: 100000               # 이사 / 본부장
-  senior_manager: 90000          # 부장 (Senior SEO·PM·Senior Analyst·Account Director(국장))
-  deputy_manager: 80000          # 차장
-  manager: 70000                 # 과장 (SEO·Data Analyst·Data Engineer·Engineer|Developer)
-  assistant_manager: 60000       # 대리
-  junior: 50000                  # 주임
-  associate: 30000               # 사원
-  intern: 12000                  # 인턴
-
-# 포트폴리오 규모에 따른 '시간' 스케일(서브선형). On-page(scale:true) task 에만 적용.
-# driver = findings.entity 의 카운트. 체인은 페이지 템플릿을 공유하므로 '프로퍼티 수'가 아닌
-# '브랜드/템플릿 수(subbrands_total)'를 기준으로 하고, 캡을 ×2.0 로 낮게 둔다.
-# (Technical SEO 는 사이트 단위 고정 작업이므로 스케일하지 않음 — sow_templates 의 scale:false)
-scaling:
-  driver: subbrands_total
-  bands: [[1, 1.0], [3, 1.3], [6, 1.6], [999999, 2.0]]
-
-# 별도 조달 항목(인력비와 분리). 청구 시 procurement_markup 적용 가능.
-tools:
-  semrush_guru:
-    label: "Advanced SEO Tools — SEMrush Guru"
-    unit: "월간 구독"
-    price_usd: 249.95
-    note: "고객사 별도 구독(TBD), 사용자별 과금"

custom-skills/95-ourdigital-presales-seo/scripts/build_deck.py

@@ -259,7 +259,7 @@ def main():
         tbl = s.shapes.add_table(rows, 2, Inches(0.85), Inches(2.0), Inches(11.6), Inches(0.5 * rows)).table
         tbl.columns[0].width = Inches(8.4)
         tbl.columns[1].width = Inches(3.2)
-        for j, htxt in enumerate([f"{EST.get('service', 'SEO')} — 구분", "소계"]):
+        for j, htxt in enumerate([f"{EST.get('label') or EST.get('service', 'SEO')} — 구분", "소계"]):
             c = tbl.cell(0, j)
             c.text = htxt
             c.fill.solid()

custom-skills/95-ourdigital-presales-seo/scripts/estimate.py

@@ -1,247 +0,0 @@
-#!/usr/bin/env python3
-"""Effort-based 견적 generator for the ourdigital-presales-seo skill (Stage 5).
-
-Reproduces OurDigital/D.intelligence's real quoting model:
-    cost(task) = role_rate × billing_rate × standard_hours
-assembled from sow_templates.yaml, grouped into modules, summed, then
-제안가 = 합계 floored to rounding_unit (십만단위 절사).
-
-findings.json selects the baseline (basic vs treatment) and scales scoped
-task hours sub-linearly by portfolio size. Outputs:
-  - 05_estimate_ko.md      (cover-sheet 견적)
-  - data/estimate.json     (consumed by build_deck.py)
-  - 05_estimate.xlsx
-
-Usage:
-  python estimate.py --findings data/findings.json \
-    --rate-card ../references/rate_card.yaml --sow ../references/sow_templates.yaml \
-    --out-dir <engagement> --seq 1 [--baseline basic|treatment] [--billing 0.70]
-"""
-import argparse
-import datetime
-import json
-import math
-import os
-
-import yaml
-from openpyxl import Workbook
-from openpyxl.styles import Alignment, Font, PatternFill
-
-
-def won(n):
-    return f"{int(round(n)):,}원"
-
-
-def scope_multiplier(rate, f):
-    """Sub-linear hours multiplier from the configured driver (default subbrands_total)."""
-    sc = rate.get("scaling", {})
-    driver = sc.get("driver", "subbrands_total")
-    bands = sc.get("bands", [[1, 1.0]])
-    count = max(int(f.get("entity", {}).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
-
-
-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(f, rate):
-    vertical = (f.get("prospect", {}).get("vertical") or "").lower()
-    terms = [t.lower() for t in rate.get("tiering", {}).get("premium_verticals", [])]
-    return any(t in vertical for t in terms)
-
-
-def pick_baseline(f, override, rate):
-    if override:
-        return override
-    e = f.get("entity", {})
-    props = e.get("properties_total", 0) or 0
-    subs = e.get("subbrands_total", 0) or 0
-    if props > 5 or subs > 3:           # multi-brand / chain
-        tier = "treatment"
-    elif props <= 1 and subs == 0:      # single property
-        tier = "smb"
-    else:                                # small multi-property / mid
-        tier = "basic"
-    # premium/luxury floor: don't auto-drop a premium prospect to the entry tier
-    if is_premium(f, rate):
-        tier = _higher(tier, rate.get("tiering", {}).get("premium_min_tier", "basic"))
-    return tier
-
-
-def assemble(f, rate, sow, baseline, billing):
-    roles = rate["role_rates"]
-    mult, driver, dcount = scope_multiplier(rate, f)
-    tpl = sow["baselines"][baseline]
-    modules = []
-    grand = 0.0
-    for mod in tpl["modules"]:
-        tasks, sub = [], 0.0
-        for t in mod["tasks"]:
-            applied = mult if (t.get("scale") and mult != 1.0) else 1.0
-            hours = round(t["hours"] * applied, 1)
-            rate_hr = roles[t["role"]]
-            amount = rate_hr * billing * hours
-            tasks.append({
-                "task": t["task"], "desc": t.get("desc", ""), "role": t["role"],
-                "role_rate": rate_hr, "hours": hours, "amount": amount,
-                "scaled": applied != 1.0,
-            })
-            sub += amount
-        modules.append({"name": mod["name"], "subtotal": sub, "tasks": tasks})
-        grand += sub
-    return modules, grand, mult, driver, dcount, tpl["service"]
-
-
-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",
-}
-
-
-def write_md(path, q):
-    L = [f"# 견적서 — {q['prospect']}",
-         "", f"- **제공 서비스**: {q['service']}",
-         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']})",
-         f"- **산정 기준**: SOW 기반 · 청구율 {int(q['billing_rate']*100)}% · 일 8시간/월 4주 · {q['terms']['vat']} · 지급 {q['terms']['payment']}",
-         ""]
-    if q["scope"]["hours_multiplier"] != 1.0:
-        dl = "브랜드/템플릿" if q["scope"]["driver"] == "subbrands_total" else "프로퍼티"
-        L.append(f"> 규모 반영: {dl} {q['scope']['driver_count']}개 기준 On-page 업무시간 ×{q['scope']['hours_multiplier']:g} (서브선형)")
-        L.append("")
-    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 += ["", "## 합계", "",
-          f"- 합계: **{won(q['subtotal_sum'])}**",
-          f"- **제안가(절사 적용): {won(q['proposal'])}** ({q['terms']['vat']})", ""]
-    if q.get("tools"):
-        L += ["## 별도 비용 (조달 — 인력비와 별도)", ""]
-        for t in q["tools"]:
-            L.append(f"- {t['label']}: {t['unit']} ${t['price_usd']} — {t['note']}")
-        L.append("")
-    L += ["---", f"> {q['disclaimer']}"]
-    if 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 write_xlsx(path, q):
-    wb = Workbook()
-    ws = wb.active
-    ws.title = "견적"
-    ws.append([f"견적서 — {q['prospect']}  ({q['service']})"])
-    ws.append([f"견적번호 {q['quote_no']}", f"작성일 {q['date']}", f"유효 ~{q['valid_until']}",
-               f"청구율 {int(q['billing_rate']*100)}%", q["terms"]["vat"]])
-    ws.append([])
-    cols = ["구분", "세부 업무", "담당", "시간(h)", "합계(원)"]
-    ws.append(cols)
-    hdr_row = ws.max_row
-    for c in range(1, len(cols) + 1):
-        cell = ws.cell(row=hdr_row, column=c)
-        cell.fill = PatternFill("solid", fgColor="11243D")
-        cell.font = Font(color="FFFFFF", bold=True)
-    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.cell(row=ws.max_row, column=2).font = Font(bold=True)
-        ws.cell(row=ws.max_row, column=5).font = Font(bold=True)
-    ws.append([])
-    ws.append(["", "합계", "", "", int(round(q["subtotal_sum"]))])
-    ws.append(["", "제안가(절사 적용)", "", "", int(q["proposal"])])
-    ws.cell(row=ws.max_row, column=2).font = Font(bold=True)
-    ws.cell(row=ws.max_row, column=5).font = Font(bold=True, color="C0392B")
-    ws.append([])
-    ws.append([q["disclaimer"]])
-    for idx, w in enumerate([22, 40, 8, 8, 16], 1):
-        ws.column_dimensions[chr(64 + idx)].width = w
-    wb.save(path)
-
-
-def main():
-    ap = argparse.ArgumentParser(description="Effort-based 견적 from findings.json")
-    ap.add_argument("--findings", required=True)
-    ap.add_argument("--rate-card", required=True)
-    ap.add_argument("--sow", required=True)
-    ap.add_argument("--out-dir", default=".")
-    ap.add_argument("--seq", type=int, default=1)
-    ap.add_argument("--baseline", choices=["smb", "basic", "treatment"], default=None)
-    ap.add_argument("--billing", type=float, default=None)
-    args = ap.parse_args()
-
-    with open(args.findings, encoding="utf-8") as fh:
-        f = json.load(fh)
-    with open(args.rate_card, encoding="utf-8") as fh:
-        rate = yaml.safe_load(fh)
-    with open(args.sow, encoding="utf-8") as fh:
-        sow = yaml.safe_load(fh)
-
-    baseline = pick_baseline(f, args.baseline, rate)
-    tpl_billing = sow["baselines"][baseline].get("billing_rate")
-    billing = (args.billing if args.billing is not None
-               else tpl_billing if tpl_billing is not None else rate["billing_rate"])
-    modules, grand, mult, driver, dcount, service = assemble(f, rate, sow, baseline, billing)
-    props = f.get("entity", {}).get("properties_total", 0)
-    subs = f.get("entity", {}).get("subbrands_total", 0)
-
-    rounding = rate["rounding_unit"]
-    proposal = int(math.floor(grand / rounding) * rounding)
-
-    date = f.get("prospect", {}).get("audit_date") or datetime.date.today().isoformat()
-    d0 = datetime.date.fromisoformat(date)
-    valid_until = (d0 + datetime.timedelta(days=rate["terms"]["validity_days"])).isoformat()
-    quote_no = f"{rate.get('quote_prefix', 'OD')}-{date[:4]}-{args.seq:03d}"
-
-    disclaimer = ("본 견적은 공개 데이터 기반 사전 추정이며 표준 업무시간(SOW)·청구율 "
-                  f"{int(billing*100)}% 기준입니다. Search Console/Analytics 권한 확보 후 정밀 "
-                  "진단을 통해 과업 시간과 범위를 확정합니다. 외부 조달 항목은 인력비와 별도이며 조달 수수료 15%가 적용될 수 있습니다.")
-
-    q = {
-        "quote_no": quote_no, "date": date, "valid_until": valid_until,
-        "prospect": f.get("prospect", {}).get("name", "(prospect)"),
-        "service": service, "baseline": baseline, "billing_rate": billing,
-        "company": rate["company"], "terms": rate["terms"],
-        "scope": {"driver": driver, "driver_count": dcount,
-                  "properties_total": props, "subbrands_total": subs,
-                  "hours_multiplier": mult},
-        "modules": modules, "subtotal_sum": grand, "proposal": proposal,
-        "rounding_unit": rounding,
-        "tools": [dict(label=v["label"], unit=v["unit"], price_usd=v["price_usd"], note=v["note"])
-                  for v in rate.get("tools", {}).values()],
-        "disclaimer": disclaimer,
-    }
-
-    os.makedirs(args.out_dir, exist_ok=True)
-    data_dir = os.path.join(args.out_dir, "data")
-    os.makedirs(data_dir, exist_ok=True)
-    write_md(os.path.join(args.out_dir, "05_estimate_ko.md"), q)
-    write_xlsx(os.path.join(args.out_dir, "05_estimate.xlsx"), q)
-    with open(os.path.join(data_dir, "estimate.json"), "w", encoding="utf-8") as fh:
-        json.dump(q, fh, ensure_ascii=False, indent=2)
-
-    print(f"견적 {quote_no} [{baseline}] 제안가 {won(proposal)} (합계 {won(grand)}) "
-          f"| {driver}={dcount} ×{mult:g} | 청구율 {int(billing*100)}%")
-    for m in modules:
-        print(f"   {m['name']:24} {won(m['subtotal'])}")
-
-
-if __name__ == "__main__":
-    main()

custom-skills/95-ourdigital-presales-seo/scripts/findings_to_scope.py

@@ -0,0 +1,56 @@
+#!/usr/bin/env python3
+"""Map an SEO findings.json → estimate-engine scope.json (service=seo, effort).
+
+Stage 5 of ourdigital-presales-seo: keeps the SEO-specific mapping here; the engine
+(96-ourdigital-estimate-engine) owns the costing. Then call:
+  python <engine>/scripts/estimate.py --rate-card <engine>/references/rate_card.yaml \
+    --catalog-dir <engine>/catalog --scope scope.json --out-dir <engagement>
+
+Usage:
+  python findings_to_scope.py --findings data/findings.json --out data/scope.json [--tier auto] [--seq N]
+"""
+import argparse
+import json
+
+
+def main():
+    ap = argparse.ArgumentParser(description="SEO findings.json -> engine scope.json")
+    ap.add_argument("--findings", required=True)
+    ap.add_argument("--out", required=True)
+    ap.add_argument("--tier", default="auto", help="auto|smb|basic|treatment")
+    ap.add_argument("--billing", type=float, default=None)
+    ap.add_argument("--seq", type=int, default=1)
+    args = ap.parse_args()
+
+    with open(args.findings, encoding="utf-8") as fh:
+        f = json.load(fh)
+    e = f.get("entity", {})
+    p = f.get("prospect", {})
+    severity = sorted({x.get("severity") for x in f.get("findings", []) if x.get("severity")})
+
+    scope = {
+        "service": "seo",
+        "method": "effort",
+        "tier": args.tier,
+        "billing_rate": args.billing,
+        "signals": {
+            "properties_total": e.get("properties_total", 0),
+            "subbrands_total": e.get("subbrands_total", 0),
+            "vertical": p.get("vertical", ""),
+            "severity": severity,
+        },
+        "prospect": {
+            "name": p.get("name", ""), "domain": p.get("domain", ""),
+            "audit_date": p.get("audit_date", ""), "account_code": p.get("account_code", ""),
+        },
+        "seq": args.seq,
+    }
+    with open(args.out, "w", encoding="utf-8") as fh:
+        json.dump(scope, fh, ensure_ascii=False, indent=2)
+    print(f"scope -> {args.out} | service=seo tier={args.tier} "
+          f"properties={scope['signals']['properties_total']} subbrands={scope['signals']['subbrands_total']} "
+          f"vertical={scope['signals']['vertical']!r}")
+
+
+if __name__ == "__main__":
+    main()

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

@@ -0,0 +1,120 @@
+# 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.

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.

custom-skills/96-ourdigital-estimate-engine/catalog/digital_ads.yaml

@@ -0,0 +1,17 @@
+# Digital Ads catalog — method: effort. STUB — placeholder hours, NOT real rates.
+# TODO: populate tiers/modules/hours from a real OurDigital digital-ads quote (Drive),
+# the same way seo.yaml was built. Until then estimates here are illustrative only.
+service: digital_ads
+method: effort
+_stub: true
+tiers:
+  basic:
+    label: "Digital Ads Setup & Management (STUB)"
+    modules:
+      - name: "Planning & Management"
+        tasks:
+          - {task: "캠페인 전략·계정 구조 설계", desc: "STUB — replace with real SOW", role: senior_manager, hours: 16, scale: false}
+      - name: "Ads Operation"
+        tasks:
+          - {task: "캠페인 셋업·태깅·전환 추적", desc: "STUB", role: manager, hours: 24, scale: false}
+          - {task: "운영·최적화·리포팅", desc: "STUB (월 운영)", role: manager, hours: 24, scale: true}

custom-skills/96-ourdigital-estimate-engine/catalog/digital_branding.yaml

@@ -0,0 +1,16 @@
+# Digital Branding catalog — method: effort. STUB — placeholder hours, NOT real rates.
+# TODO: populate from a real OurDigital digital-branding quote (Drive). Illustrative only.
+service: digital_branding
+method: effort
+_stub: true
+tiers:
+  basic:
+    label: "Digital Branding (STUB)"
+    modules:
+      - name: "Planning & Management"
+        tasks:
+          - {task: "브랜드 전략·포지셔닝", desc: "STUB — replace with real SOW", role: director, hours: 16, scale: false}
+      - name: "Branding Execution"
+        tasks:
+          - {task: "브랜드 아이덴티티·가이드", desc: "STUB", role: senior_manager, hours: 24, scale: false}
+          - {task: "디지털 자산·채널 적용", desc: "STUB", role: manager, hours: 24, scale: true}

custom-skills/96-ourdigital-estimate-engine/catalog/education.yaml

@@ -0,0 +1,31 @@
+# Education / coaching catalog — method: coaching.
+# Cost = Σ(lesson_type_prices[type] × hours) from rate_card.coaching (pricing_mode: base).
+# Subjects resolve levels from rate_card.coaching.subject_levels (used only in matrix mode).
+service: education
+method: coaching
+courses:
+
+  # Real quote: GA4/GTM 중급 과정 1:1 코칭 → ₩1,570,000 (7 대면×100k + 9 화상×80k + 1 실습×150k).
+  ga4_gtm_intermediate:
+    title: "GA4/GTM 중급 과정 1:1 코칭"
+    lessons:
+      - {subject: "Google Analytics", title: "설치-설정 진단", type: 대면, hours: 1}
+      - {subject: "Google Analytics", title: "측정 계획 수립", type: 대면, hours: 1}
+      - {subject: "Google Analytics", title: "기본 리포트 설정", type: 대면, hours: 1}
+      - {subject: "Google Analytics", title: "맞춤 리포트 구성", type: 대면, hours: 1}
+      - {subject: "Google Analytics", title: "획득 보고서의 이해", type: 화상, hours: 1}
+      - {subject: "Google Analytics", title: "참여도 보고서 해석", type: 화상, hours: 1}
+      - {subject: "Google Analytics", title: "수익창출 보고서 관리", type: 화상, hours: 1}
+      - {subject: "Google Analytics", title: "주요 이벤트와 전환", type: 화상, hours: 1}
+      - {subject: "Google Analytics", title: "탐색 분석 활용", type: 화상, hours: 1}
+      - {subject: "Google Tag Manager", title: "이벤트 태깅 관리 준비", type: 화상, hours: 1}
+      - {subject: "Google Tag Manager", title: "GTM 설정 분석과 검수", type: 대면, hours: 1}
+      - {subject: "Google Tag Manager", title: "이벤트 태깅 실습", type: 대면, hours: 1}
+      - {subject: "Google Tag Manager", title: "마케팅 태그 설정", type: 대면, hours: 1}
+      - {subject: "Google Tag Manager", title: "e-Commerce 태그 설정", type: 화상, hours: 1}
+      - {subject: "Google Analytics", title: "잠재 고객 설정과 활용", type: 화상, hours: 1}
+      - {subject: "Google Analytics", title: "캠페인 성과 분석", type: 화상, hours: 1}
+      - {subject: "Google Analytics", title: "Looker Studio 대시보드", type: 실습, hours: 1}
+
+# Add more courses (workshops, SEO/Content Marketing coaching, etc.) as real lesson plans arrive.
+# For an ad-hoc plan, pass scope.lessons directly instead of a named course.

custom-skills/96-ourdigital-estimate-engine/catalog/seo.yaml

@@ -1,90 +1,73 @@
-# SOW task templates — standard 업무 시간(hours) by module.
+# SEO service catalog — method: effort. Tiers priced via rate_card (role×billing×hours).
-# Priced via rate_card.yaml: cost = role_rate × billing_rate × hours.
+# Reproduces real quotes: basic ₩10.5M, treatment ₩25.0M (1 property, billing 0.70).
-# Tiers (제안가 at default billing): smb < basic < treatment.
+# Only On-page tasks (scale:true) scale by sub-brands; Technical/P&M/Growth fixed.
-#   basic     -> ₩10,500,000 (real SEO Basic & Coaching quote, billing 0.70)
+service: seo
-#   treatment -> ₩25,000,000 (real SEO Audit & Treatment quote, billing 0.70)
+method: effort
-#   smb       -> lean entry tier for single-property SMBs (billing 0.55)
+tiers:
-# Scaling: only On-page tasks (scale:true) scale by sub-brands/templates
-# (rate_card.scaling); Technical SEO is fixed site-wide work. P&M & Growth fixed.
-# Each baseline may override billing_rate; else rate_card.billing_rate (0.70).
-
-baselines:
 
   smb:
-    service: "SEO Quick Audit (SMB)"
+    label: "SEO Quick Audit (SMB)"
-    billing_rate: 0.55           # SMB 진입 티어 — 낮은 청구율
+    billing_rate: 0.55
     modules:
       - name: "Planning & Management"
-        trigger: [always]
         tasks:
           - {task: "업무 관리·착수", desc: "과업 정의·일정·리포팅", role: senior_manager, hours: 8, scale: false}
           - {task: "웹 사이트 분석", desc: "유입·행동·전환 flow 요약 분석", role: senior_manager, hours: 8, scale: false}
       - name: "Technical SEO"
-        trigger: [crawlability, cwv, schema_entity]
         tasks:
           - {task: "Crawling·Indexing 점검", desc: "검색사이트 등록·수집·Site Health 점검", role: manager, hours: 8, scale: false}
           - {task: "속도·CWV 점검", desc: "로딩속도·Core Web Vitals·모바일 점검", role: manager, hours: 8, scale: false}
           - {task: "구조·메타·사이트맵 점검", desc: "사이트/URL 구조·메타·사이트맵·색인", role: manager, hours: 8, scale: false}
       - name: "On-page SEO"
-        trigger: [onpage, schema_entity]
         tasks:
           - {task: "키워드·메타 진단", desc: "중점 키워드·페이지 메타·템플릿 진단", role: manager, hours: 12, scale: true}
           - {task: "on-page 퀵윈 가이드", desc: "타이틀·메타·헤더·링크·이미지 핵심 개선 가이드", role: manager, hours: 16, scale: true}
       - name: "SEO Growth"
-        trigger: [measurement, always]
         tasks:
           - {task: "기본 성과 지표 설정", desc: "핵심 SEO 지표·중점 키워드 트래킹 설정", role: manager, hours: 8, scale: false}
 
   basic:
-    service: "SEO Audit & Basic Treatment"
+    label: "SEO Audit & Basic Treatment"
     modules:
       - name: "Planning & Management"
-        trigger: [always]
         tasks:
           - {task: "업무 관리", desc: "프로젝트 설계·과업 정의·일정/산출물 관리·리포팅", role: senior_manager, hours: 20, scale: false}
           - {task: "웹 사이트 분석", desc: "사용자 유입·채널 내 행동·전환 flow 분석", role: senior_manager, hours: 12, scale: false}
       - name: "Technical SEO"
-        trigger: [crawlability, cwv, schema_entity]
         tasks:
-          - {task: "Crawling & Indexing 설정", desc: "검색사이트 등록/수집 관리, Site Health Check 도구 설정", role: technical_advisor, hours: 16, scale: false}
+          - {task: "Crawling & Indexing 설정", desc: "검색사이트 등록/수집 관리·Site Health Check 도구 설정", role: technical_advisor, hours: 16, scale: false}
           - {task: "속도·UX·수집 설정", desc: "로딩속도·페이지 UX·링크·수집 제외 설정", role: manager, hours: 16, scale: false}
           - {task: "사이트/URL 구조·메타", desc: "구조·URL·메타데이터·사이트맵·리다이렉션", role: senior_manager, hours: 12, scale: false}
           - {task: "색인·CWV 진단", desc: "GSC·SEO Tools 활용 색인/크롤오류/Core Web Vitals 진단", role: senior_manager, hours: 16, scale: false}
       - name: "On-page SEO"
-        trigger: [onpage, schema_entity]
         tasks:
           - {task: "키워드·템플릿·메타 진단", desc: "중점 키워드·페이지 템플릿·메타·개체 활용 진단", role: manager, hours: 24, scale: true}
           - {task: "링크·콘텐츠 도구 진단", desc: "내외부 링크·공유 메타·콘텐츠 생성-관리 도구", role: manager, hours: 12, scale: true}
           - {task: "on-page 관리 가이드", desc: "타이틀·메타·헤더태그·링크·이미지 메타 가이드", role: manager, hours: 36, scale: true}
       - name: "SEO Growth"
-        trigger: [measurement, always]
         tasks:
           - {task: "성과 지표 관리", desc: "SEO 관리지표·중점 키워드·포지셔닝 트래킹·3rd party 데이터 설정", role: manager, hours: 24, scale: false}
 
   treatment:
-    service: "SEO Audit & Treatment"
+    label: "SEO Audit & Treatment"
     modules:
       - name: "Planning & Management"
-        trigger: [always]
         tasks:
           - {task: "업무 관리", desc: "프로젝트 설계·과업 정의·일정/산출물 관리·리포팅", role: senior_manager, hours: 36, scale: false}
           - {task: "웹 사이트 분석", desc: "사용자 유입·채널 내 행동·전환 flow 분석", role: senior_manager, hours: 60, scale: false}
           - {task: "측정 계획 수립", desc: "채널 운영 목적·사용자 세그먼트·기대행동 가설 도출", role: senior_manager, hours: 20, scale: false}
       - name: "Technical SEO"
-        trigger: [crawlability, cwv, schema_entity]
         tasks:
-          - {task: "Crawling & Indexing 설정", desc: "검색사이트 등록/수집 관리, Site Health Check 도구 설정", role: manager, hours: 24, scale: false}
+          - {task: "Crawling & Indexing 설정", desc: "검색사이트 등록/수집 관리·Site Health Check 도구 설정", role: manager, hours: 24, scale: false}
           - {task: "속도·UX·리다이렉트", desc: "로딩속도·페이지 UX·링크·리다이렉트·수집 제외 설정", role: technical_advisor, hours: 30, scale: false}
           - {task: "사이트/URL 구조·보안", desc: "구조·URL·메타데이터·사이트맵·보안 관리 진단", role: senior_manager, hours: 24, scale: false}
           - {task: "모바일·CWV·개선과제", desc: "모바일 최적화·Core Web Vitals 진단·개선 과제 도출", role: manager, hours: 20, scale: false}
       - name: "On-page SEO"
-        trigger: [onpage, schema_entity]
         tasks:
           - {task: "키워드·템플릿·메타 진단", desc: "중점 키워드·페이지 템플릿·메타·개체 활용 진단", role: manager, hours: 48, scale: true}
           - {task: "링크·콘텐츠 도구 진단", desc: "내외부 링크·공유 메타·콘텐츠 생성-관리 도구", role: manager, hours: 36, scale: true}
           - {task: "on-page 관리 가이드", desc: "타이틀·메타·헤더태그·링크·이미지 메타 가이드", role: manager, hours: 60, scale: true}
       - name: "SEO Growth"
-        trigger: [measurement, always]
         tasks:
           - {task: "핵심 성과 지표 설정", desc: "중점과제·목표·SEO 핵심성과지표·모니터링 지표 설정", role: senior_manager, hours: 20, scale: false}
           - {task: "지표 정의·리포팅 설계", desc: "데이터 소스·지표 산식·리포팅/진단 주기 설정", role: manager, hours: 16, scale: false}

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

custom-skills/96-ourdigital-estimate-engine/scope.schema.json

@@ -0,0 +1,63 @@
+{
+  "$schema": "http://json-schema.org/draft-07/schema#",
+  "title": "ourdigital-estimate-engine scope input",
+  "description": "Generic estimate request. Consuming skills map their context into this.",
+  "type": "object",
+  "required": ["service"],
+  "properties": {
+    "service": {"type": "string", "description": "catalog entry name, e.g. seo | education | digital_ads"},
+    "method": {"type": "string", "enum": ["effort", "coaching", "procurement"], "description": "optional; defaults to the catalog entry's method"},
+    "prospect": {
+      "type": "object",
+      "properties": {
+        "name": {"type": "string"}, "domain": {"type": "string"},
+        "audit_date": {"type": "string"}, "account_code": {"type": "string"}
+      }
+    },
+    "seq": {"type": "integer", "default": 1},
+
+    "tier": {"type": "string", "description": "effort: smb|basic|treatment|auto (default auto)"},
+    "billing_rate": {"type": ["number", "null"], "description": "effort: override billing rate"},
+    "signals": {
+      "type": "object",
+      "description": "effort auto-tiering inputs",
+      "properties": {
+        "properties_total": {"type": "integer"},
+        "subbrands_total": {"type": "integer"},
+        "vertical": {"type": "string"},
+        "severity": {"type": "array", "items": {"type": "string"}}
+      }
+    },
+
+    "course": {"type": "string", "description": "coaching: named course in catalog (else use lessons)"},
+    "lessons": {
+      "type": "array",
+      "description": "coaching: explicit lesson plan",
+      "items": {
+        "type": "object",
+        "required": ["type", "hours"],
+        "properties": {
+          "subject": {"type": "string"}, "title": {"type": "string"},
+          "type": {"type": "string", "enum": ["화상", "대면", "실습", "워크숍", "트리트먼트"]},
+          "hours": {"type": "number"}
+        }
+      }
+    },
+    "students": {"type": "integer", "default": 1},
+    "pricing_mode": {"type": "string", "enum": ["base", "matrix"]},
+    "apply_student_discount": {"type": "boolean"},
+
+    "items": {
+      "type": "array",
+      "description": "procurement: non-labor line items",
+      "items": {
+        "type": "object",
+        "required": ["label", "unit_cost"],
+        "properties": {
+          "label": {"type": "string"}, "unit_cost": {"type": "number"},
+          "qty": {"type": "number", "default": 1}, "currency": {"type": "string"}
+        }
+      }
+    }
+  }
+}

custom-skills/96-ourdigital-estimate-engine/scripts/estimate.py

@@ -0,0 +1,86 @@
+#!/usr/bin/env python3
+"""OurDigital estimate engine — method-aware 견적 generator (CLI dispatcher).
+
+Loads a generic scope.json + the universal rate_card + the service catalog entry,
+routes to the costing method (effort | coaching | procurement), enriches with
+quote metadata/terms, and renders 05_estimate_ko.md / .xlsx / data/estimate.json.
+
+Usage:
+  python estimate.py --rate-card references/rate_card.yaml --catalog-dir catalog \
+    --scope scope.json --out-dir <dir> [--seq N]
+
+scope.json: see scope.schema.json. Consuming skills (e.g. ourdigital-presales-seo)
+map their context into scope.json and call this CLI.
+"""
+import argparse
+import datetime
+import json
+import os
+import sys
+
+import yaml
+
+sys.path.insert(0, os.path.dirname(os.path.abspath(__file__)))
+from methods import coaching, effort, procurement  # noqa: E402
+import render  # noqa: E402
+
+METHODS = {"effort": effort, "coaching": coaching, "procurement": procurement}
+
+DISCLAIMER = {
+    "effort": ("본 견적은 공개/사전 정보 기반 추정이며 표준 업무시간(SOW)·청구율 {billing}% 기준입니다. "
+               "권한 확보 후 정밀 진단을 통해 과업 시간과 범위를 확정합니다. 외부 조달 항목은 인력비와 별도, 조달 수수료 15%가 적용될 수 있습니다."),
+    "coaching": ("본 견적은 레슨 시간 기준으로 작성되었으며(대면 100,000원/h, 화상 80,000원/h 등), 1:1 레슨 전제입니다. "
+                 "그룹 레슨·단체 워크숍/실습은 별도 협의가 필요합니다. 수업 구성은 사전상담으로 맞춤 조율됩니다."),
+    "procurement": "조달 물품/서비스 견적이며 조달-관리 수수료 15%를 포함합니다. 실제 공급가는 계약 시점에 확정됩니다.",
+}
+
+
+def main():
+    ap = argparse.ArgumentParser(description="OurDigital estimate engine")
+    ap.add_argument("--rate-card", required=True)
+    ap.add_argument("--catalog-dir", required=True)
+    ap.add_argument("--scope", required=True)
+    ap.add_argument("--out-dir", default=".")
+    ap.add_argument("--seq", type=int, default=None)
+    args = ap.parse_args()
+
+    with open(args.rate_card, encoding="utf-8") as fh:
+        rate = yaml.safe_load(fh)
+    with open(args.scope, encoding="utf-8") as fh:
+        scope = json.load(fh)
+
+    service = scope["service"]
+    cat_path = os.path.join(args.catalog_dir, f"{service}.yaml")
+    if not os.path.exists(cat_path):
+        sys.exit(f"ERROR: no catalog for service '{service}' at {cat_path}")
+    with open(cat_path, encoding="utf-8") as fh:
+        catalog = yaml.safe_load(fh)
+
+    method = scope.get("method") or catalog.get("method")
+    if method not in METHODS:
+        sys.exit(f"ERROR: unknown method '{method}' (have {list(METHODS)})")
+
+    q = METHODS[method].build(scope, rate, catalog)
+
+    # enrich with universal metadata
+    prospect = scope.get("prospect", {})
+    date = prospect.get("audit_date") or datetime.date.today().isoformat()
+    d0 = datetime.date.fromisoformat(date)
+    seq = args.seq if args.seq is not None else scope.get("seq", 1)
+    q.update({
+        "quote_no": f"{rate.get('quote_prefix', 'OD')}-{date[:4]}-{seq:03d}",
+        "date": date,
+        "valid_until": (d0 + datetime.timedelta(days=rate["terms"]["validity_days"])).isoformat(),
+        "prospect": prospect, "company": rate["company"], "terms": rate["terms"],
+        "disclaimer": DISCLAIMER[method].format(billing=int(q.get("billing_rate", rate["billing_rate"]) * 100)),
+    })
+
+    render.write_all(q, args.out_dir)
+    print(f"견적 {q['quote_no']} [{service}/{method}"
+          + (f"/{q['tier']}" if q['kind'] == 'effort' else "")
+          + f"] 제안가 {q['proposal']:,}원 (합계 {int(round(q['subtotal_sum'])):,}원)"
+          + (" ⚠STUB" if q.get("stub") else ""))
+
+
+if __name__ == "__main__":
+    main()

custom-skills/96-ourdigital-estimate-engine/scripts/methods/__init__.py

@@ -0,0 +1 @@
+# estimate-engine costing methods: effort, coaching, procurement.

custom-skills/96-ourdigital-estimate-engine/scripts/methods/coaching.py

@@ -0,0 +1,61 @@
+"""Coaching method: cost = Σ(lesson_type_price × hours) over a lesson plan.
+
+Base lesson-type prices reproduce real quotes (GA4/GTM 중급 → ₩1,570,000).
+Optional matrix mode prices by subject level (base × level_multiple).
+Student-count discount is opt-in (real 1:1 quotes apply none).
+"""
+
+
+def _discount(rate, students, apply):
+    if not apply:
+        return 0.0
+    for mx, r in rate["coaching"]["student_discount"]["bands"]:
+        if students <= mx:
+            return float(r)
+    return 0.0  # 30+ → 별도 협의
+
+
+def _unit_price(rate, lesson, mode):
+    c = rate["coaching"]
+    base = c["lesson_type_prices"][lesson["type"]]
+    if mode == "matrix":
+        lvl = c.get("subject_levels", {}).get(lesson.get("subject"))
+        if lvl:
+            base = base * c["level_multiple"].get(lvl, 1.0)
+    return base
+
+
+def build(scope, rate, catalog):
+    c = rate["coaching"]
+    mode = scope.get("pricing_mode") or c.get("pricing_mode", "base")
+    if scope.get("lessons"):
+        lessons = scope["lessons"]
+        title = scope.get("course") or "맞춤 코칭"
+    else:
+        cname = scope.get("course")
+        courses = catalog.get("courses", {})
+        if cname not in courses:
+            raise SystemExit(f"course '{cname}' not in catalog {list(courses)}")
+        lessons = courses[cname]["lessons"]
+        title = courses[cname].get("title", cname)
+
+    items, subtotal = [], 0.0
+    for L in lessons:
+        up = _unit_price(rate, L, mode)
+        amt = up * L["hours"]
+        items.append({"subject": L.get("subject", ""), "title": L.get("title", ""),
+                      "type": L["type"], "hours": L["hours"], "unit_price": up, "amount": amt})
+        subtotal += amt
+
+    students = scope.get("students", 1)
+    apply = scope.get("apply_student_discount", c["student_discount"]["apply_default"])
+    disc = _discount(rate, students, apply)
+    disc_amt = subtotal * disc
+    total = subtotal - disc_amt
+    return {
+        "kind": "coaching", "service": catalog["service"], "label": title,
+        "pricing_mode": mode, "students": students,
+        "discount_rate": disc, "discount_amount": disc_amt,
+        "lessons": items, "subtotal_sum": subtotal, "proposal": int(round(total)),
+        "stub": bool(catalog.get("_stub", False)),
+    }

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)),
+    }

custom-skills/96-ourdigital-estimate-engine/scripts/methods/procurement.py

@@ -0,0 +1,18 @@
+"""Procurement method: cost = Σ(unit_cost × qty × (1 + markup)) for non-labor items."""
+
+
+def build(scope, rate, catalog):
+    markup = rate.get("procurement_markup", 0.15)
+    items, total = [], 0.0
+    for it in scope.get("items", []):
+        qty = it.get("qty", 1)
+        amt = it["unit_cost"] * qty * (1 + markup)
+        items.append({"label": it["label"], "unit_cost": it["unit_cost"], "qty": qty,
+                      "markup": markup, "amount": amt, "currency": it.get("currency", "KRW")})
+        total += amt
+    return {
+        "kind": "procurement", "service": catalog.get("service", "procurement"),
+        "label": "조달 항목 (Buying & Supplying)", "markup": markup,
+        "items": items, "subtotal_sum": total, "proposal": int(round(total)),
+        "stub": bool(catalog.get("_stub", False)),
+    }

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"))