@rubytech/create-maxy-code 0.1.98 → 0.1.99

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@rubytech/create-maxy-code",
-  "version": "0.1.98",
+  "version": "0.1.99",
   "description": "Install Maxy — AI for Productive People",
   "bin": {
     "create-maxy-code": "./dist/index.js"

package/payload/platform/plugins/founder-pack/skills/investor-data-room/SKILL.md

@@ -60,13 +60,18 @@ Complete when the data room contains:
       business-plan.pdf                     # rendered output
       logo-light.png logo-dark.png
     prospectus/
-      index.html
+      index.html                            # A4 portrait, 10-15 page persuasive cut
+      term_sheet.html                       # A4 portrait, 6-8 page formal term sheet
       render-pdf.mjs
-      prospectus.pdf
-    deck/                                   # NOT YET BUILT in the reference project
-      index.html
+      prospectus.pdf term_sheet.pdf
+      logo-light.png logo-dark.png
+    deck/
+      index.html                            # 16:9 landscape (297mm x 167mm), 12+1 slides
       render-pdf.mjs
       deck.pdf
+      logo-light.png logo-dark.png
+      team/                                 # cropped headshot WebPs for slide 8 founder grid
+        <founder-firstname>-<lastname>.webp
 ```
 
 Skip stages that are already complete; do not regenerate stale artefacts blindly.
@@ -137,6 +142,30 @@ Compliance research is mandatory before drafting Section 10. WebSearch (or equiv
 
 References: `references/business-plan-template.md` for the section-by-section template; `references/compliance-research-checklist.md` for the UK + EU regulatory regimes to verify.
 
+## Stage 3b — Term sheet synthesis
+
+Generate `html/prospectus/term_sheet.html` as an **A4 portrait, 6-to-8-page formal term sheet** sectioned as:
+
+1. Cover + preamble + parties (Issuer / Founders / Investors / round size / minimum cheque / target close)
+2. Share economics & use of proceeds (instrument, valuation, dilution, issue price, share count, use of funds)
+3. Cap table on closing (post-money, fully diluted, total = 100%)
+4. Governance & shareholder protections (board, info rights, pre-emption, drag/tag, SEIS/EIS posture)
+5. Closing terms (governing law, IP assignment, conditions to closing, long-form docs timeline)
+6. Signatures (Company + Investor blocks)
+7. Investor self-certification (UK self-cert criteria, declarations)
+8. Backpage (contact)
+
+**Doctrine for the term sheet:**
+
+- **Entity name is the IN01-filed name**, not a marketing entity. Issuer must read as the actual filed company (e.g. "Real Agent Network Limited" not "Real Agent Systems Ltd").
+- **Cap table matches the IN01 + Round 1 dilution model exactly.** Pre-investment shares + new investor Round Shares = post-investment total. No fractional shares; no rounding to the % column that breaks share totals.
+- **Founder list reads exactly as the cap table.** No phantom founders. Strategic shareholders (e.g. an investing LLP) ride in the cap table by entity name, not via their individuals.
+- **Sole director on IN01 is the director-designate.** A term sheet that names two directors when IN01 names one is a defect.
+- **SEIS/EIS posture is post-funding obligation, not closing contingency.** Never assured prior to distribution; no representation as to qualifying status. Forms no part of consideration.
+- **Confidentiality and exclusivity provisions are the only binding clauses.** Everything else non-binding until long-form docs.
+
+References: `references/termsheet-template.md`.
+
 ## Stage 4 — Deck blueprint synthesis
 
 Generate `01-narrative/deck-blueprint.md` as a **12-slide brief** the deck designer can execute. Each slide has Purpose, Headline (one-line message), Body (bullets + figures pulled from the business plan), Visual suggestion, and Source reference. The 12 slides:
@@ -194,6 +223,14 @@ References: `references/html-pdf-pipeline.md` for the canonical `render-pdf.mjs`
 - **Even page count for booklet binding.** Multiple of 4 ideally; minimum even. Add or remove a supporting page to maintain parity if a section change breaks it.
 - **Verify by reading every rendered page.** `pdfinfo` page count is not verification. The bottom 30% of every page must reach the content margin without significant whitespace.
 
+## Slide-design patterns (collected from the deck build)
+
+- **Cap-table over labelled pie chart.** A labelled donut with seven slices puts the percentages on the chart but adds visual clutter at small slice counts. A clean post-investment cap table (Shareholder / Shares / % with a gold-rule Total row) reads faster on the slide and matches the term-sheet treatment. Default to the table; reserve the pie for slides with three to four large slices.
+- **Circular founder avatars on the team slide.** Square photos at full card width over-allocate vertical real-estate and crowd the bio + advisor band. Fixed-diameter circular avatars (e.g. 42mm × 42mm, `border-radius: 50%`, centred `margin: 0 auto`) leave room for the eyebrow + name + 3-line bio + advisor band on a 16:9 slide.
+- **Headshot crops are face-centred, not full-environment.** Crop each source PNG/JPG to a tight head + shoulders square at 1200×1200 (`magick <src> -crop WxH+X+Y +repage -resize 1200x1200 -strip <crop>.png`), then encode with `cwebp -q 88 -m 6 -mt`. Resize-then-encode never loses face fidelity at the 42mm display size. Track per-founder face position from the source dimensions and centre the crop window on it.
+- **Bio line budget on slide 8 is ~3 lines at 8.5pt.** A 4th line crashes into the advisor band's `border-top`. Trim aggressively: lead with the headline number ("33 years residential estate agency"), then 2-3 firms and 1-2 awards.
+- **Linter strips trailing text in long edits.** When editing a multi-line founder bio (or any cell where you append clauses past a verbatim sentence), the auto-formatter has rewritten the trailing fragment on this project. Always re-grep the file after the edit; if "Sole IN01 director." or "2× Capper" went missing, the edit needs a second pass with a smaller anchor.
+
 ## Pitfalls to avoid (collected from the reference project)
 
 - **Renaming a directory after the URL is published.** Keep `<project-site>/.docs/data-room/html/<artefact>/index.html` stable; if the URL changes, downstream investor links break.
@@ -212,6 +249,7 @@ References: `references/html-pdf-pipeline.md` for the canonical `render-pdf.mjs`
 - `references/compliance-research-checklist.md` — UK + EU regulatory regimes to verify
 - `references/internal-workings-scrub.md` — the public-vs-internal doctrine, patterns to scrub, recurrence list
 - `references/design-tokens-application.md` — how to consume `realagent-site/.docs/design-tokens.md` from an artefact's `:root` block
+- `references/termsheet-template.md` — A4-portrait term-sheet structure, cap-table reconciliation, common defects
 
 ## Reference project
 

package/payload/platform/plugins/founder-pack/skills/investor-data-room/references/termsheet-template.md

@@ -0,0 +1,66 @@
+# Term sheet template
+
+A4-portrait, 6-to-8-page formal term sheet, same render pipeline as the business plan (Playwright + img2pdf + qpdf). Lives at `html/prospectus/term_sheet.html`. The reference project produces a 7-page artefact: cover + 5 content pages + signatures.
+
+## Page-by-page structure
+
+| # | Page | Contents |
+|---|---|---|
+| 1 | Cover + preamble | Issuer (full Companies-House-filed legal name), document title, "Non-binding — confidentiality and exclusivity bind", preamble (round purpose, recipient self-cert reminder), introductory parties table (Issuer, Founders list, Investors, round size, minimum cheque, minimum aggregate, target first close) |
+| 2 | Share economics & use of proceeds | Instrument (ordinary £0.001 or £0.01 nominal, ranking *pari passu*), pre-money / post-money / dilution, issue price (computed from pre-money ÷ pre-investment shares), Round Share count, use of proceeds split, long-stop date, funds-expected timing |
+| 3 | Cap table on closing | Holder / Role / Shares / % table; founders subtotal; Round Shares row; total = 100% / 625,000 |
+| 4 | Governance & shareholder protections | Board composition (director-designate per IN01), information rights (≥5% threshold), pre-emption, drag-along / tag-along, share-transfer good-leaver / bad-leaver, SEIS/EIS posture, confidentiality (binding), exclusivity (binding) |
+| 5 | Closing terms | Governing law (English), expenses (each party bears own), founder IP assignment (deed at first close, no licence-back, no royalty), conditions to closing, long-form documentation timeline |
+| 6 | Signatures | Company block (director-designate per IN01) + Investor block (name / entity / commitment / signature line) |
+| 7 | Investor self-certification (optional) | UK self-cert criteria check-list with signature block |
+| 8 | Backpage | Contact card + confidentiality reminder + companies-house identifier |
+
+## Cap table reconciliation
+
+The cap table on closing **must reconcile against the IN01 + the Round 1 dilution model exactly**. The pattern from the reference project:
+
+| Step | Source |
+|---|---|
+| Pre-investment shares (e.g. 500,000) | IN01 statement of capital |
+| Per-founder pre-investment % | IN01 cap table |
+| Dilution % | (Round size / post-money) = 350 / 1,750 = 20% in the reference project |
+| Post-investment % per founder | Pre-investment % × (1 − dilution%) |
+| Post-investment shares per founder | Pre-investment shares × (1 − dilution%) — note this only works if all founders dilute pro rata |
+| Round Shares | New investor's post-investment % × total post-investment shares |
+| Total post-closing shares | Pre-investment shares ÷ (1 − dilution%) |
+
+Reference project numbers (pre 500k, dilution 20%):
+- Joel 24.90% / 124,500 → 19.92% / 124,500 (no change in shares; dilution is via issuance of new shares)
+- Adam 24.90% / 124,500 → 19.92% / 124,500
+- Alex 20.00% / 100,000 → 16.00% / 100,000
+- Jamie 15.16% / 75,813 → 12.13% / 75,813
+- BackleyBlack 8.75% / 43,749 → 7.00% / 43,749
+- Stewart Smalley 6.29% / 31,438 → 5.03% / 31,438
+- Founders subtotal 500,000 / 80.00%
+- New investors (Round 1) 125,000 / 20.00%
+- Total post-closing 625,000 / 100.00%
+
+Issue price = pre-money / pre-investment shares = £1,400,000 / 500,000 = **£2.80 per Round Share** (£0.001 nominal + £2.799 share premium in the reference project where nominal was £0.001; or £0.01 nominal + £2.79 premium if the term sheet sets nominal at £0.01).
+
+## Doctrine
+
+- **Issuer name is the IN01-filed legal entity.** Stale term sheets that reference a marketing entity (e.g. "Real Agent Systems Ltd" instead of the filed "Real Agent Network Limited") are defects. The Companies House number on every page header should match.
+- **Founder list reads exactly as the cap table.** Six holders on the cap table = six in the founder list. No phantom founders. Strategic shareholders (e.g. an investing LLP) ride in by entity name, not by their constituent individuals.
+- **Sole director on IN01 is the director-designate on the term sheet's signature page.** A term sheet that names two directors when IN01 named one needs reconciling before issue.
+- **SEIS/EIS posture is post-funding obligation, never closing contingency.** Never assured prior to distribution; no representation as to qualifying status. Forms no part of consideration.
+- **Confidentiality + exclusivity bind; everything else is non-binding** until subscription & shareholders' agreement.
+
+## Render
+
+Same `render-pdf.mjs` pattern as the business plan; viewport 794×1123 (A4 portrait at 96 dpi), deviceScaleFactor 3.125 (300 dpi PNG), `img2pdf --pagesize 210mmx297mm`, `qpdf --linearize`. Output: `html/prospectus/term_sheet.pdf`.
+
+## Common defects to avoid
+
+| Defect | Fix |
+|---|---|
+| Issuer name mismatch (marketing vs filed) | Use the IN01 legal name verbatim on every page header |
+| Founder list includes individuals also represented by an LLP holding | Use the LLP holding only; do not double-count |
+| Issue price stated without showing the calculation | `£2.80 = £1.4m ÷ 500,000 pre-shares` in the issue-price row |
+| Cap-table % rounding doesn't sum to 100% | Compute % as `shares / total` and verify the sum; never hand-enter % rows |
+| SEIS/EIS implied as confirmed | "Pursuing SEIS/EIS Advance Assurance from HMRC is a post-funding obligation … not a closing contingency … no representation as to qualifying status" |
+| Director-designate doesn't match IN01 | Read the IN01 PDF; the proposed director on IN01 is the director-designate |

package/payload/premium-plugins/founder-pack/skills/investor-data-room/SKILL.md

@@ -60,13 +60,18 @@ Complete when the data room contains:
       business-plan.pdf                     # rendered output
       logo-light.png logo-dark.png
     prospectus/
-      index.html
+      index.html                            # A4 portrait, 10-15 page persuasive cut
+      term_sheet.html                       # A4 portrait, 6-8 page formal term sheet
       render-pdf.mjs
-      prospectus.pdf
-    deck/                                   # NOT YET BUILT in the reference project
-      index.html
+      prospectus.pdf term_sheet.pdf
+      logo-light.png logo-dark.png
+    deck/
+      index.html                            # 16:9 landscape (297mm x 167mm), 12+1 slides
       render-pdf.mjs
       deck.pdf
+      logo-light.png logo-dark.png
+      team/                                 # cropped headshot WebPs for slide 8 founder grid
+        <founder-firstname>-<lastname>.webp
 ```
 
 Skip stages that are already complete; do not regenerate stale artefacts blindly.
@@ -137,6 +142,30 @@ Compliance research is mandatory before drafting Section 10. WebSearch (or equiv
 
 References: `references/business-plan-template.md` for the section-by-section template; `references/compliance-research-checklist.md` for the UK + EU regulatory regimes to verify.
 
+## Stage 3b — Term sheet synthesis
+
+Generate `html/prospectus/term_sheet.html` as an **A4 portrait, 6-to-8-page formal term sheet** sectioned as:
+
+1. Cover + preamble + parties (Issuer / Founders / Investors / round size / minimum cheque / target close)
+2. Share economics & use of proceeds (instrument, valuation, dilution, issue price, share count, use of funds)
+3. Cap table on closing (post-money, fully diluted, total = 100%)
+4. Governance & shareholder protections (board, info rights, pre-emption, drag/tag, SEIS/EIS posture)
+5. Closing terms (governing law, IP assignment, conditions to closing, long-form docs timeline)
+6. Signatures (Company + Investor blocks)
+7. Investor self-certification (UK self-cert criteria, declarations)
+8. Backpage (contact)
+
+**Doctrine for the term sheet:**
+
+- **Entity name is the IN01-filed name**, not a marketing entity. Issuer must read as the actual filed company (e.g. "Real Agent Network Limited" not "Real Agent Systems Ltd").
+- **Cap table matches the IN01 + Round 1 dilution model exactly.** Pre-investment shares + new investor Round Shares = post-investment total. No fractional shares; no rounding to the % column that breaks share totals.
+- **Founder list reads exactly as the cap table.** No phantom founders. Strategic shareholders (e.g. an investing LLP) ride in the cap table by entity name, not via their individuals.
+- **Sole director on IN01 is the director-designate.** A term sheet that names two directors when IN01 names one is a defect.
+- **SEIS/EIS posture is post-funding obligation, not closing contingency.** Never assured prior to distribution; no representation as to qualifying status. Forms no part of consideration.
+- **Confidentiality and exclusivity provisions are the only binding clauses.** Everything else non-binding until long-form docs.
+
+References: `references/termsheet-template.md`.
+
 ## Stage 4 — Deck blueprint synthesis
 
 Generate `01-narrative/deck-blueprint.md` as a **12-slide brief** the deck designer can execute. Each slide has Purpose, Headline (one-line message), Body (bullets + figures pulled from the business plan), Visual suggestion, and Source reference. The 12 slides:
@@ -194,6 +223,14 @@ References: `references/html-pdf-pipeline.md` for the canonical `render-pdf.mjs`
 - **Even page count for booklet binding.** Multiple of 4 ideally; minimum even. Add or remove a supporting page to maintain parity if a section change breaks it.
 - **Verify by reading every rendered page.** `pdfinfo` page count is not verification. The bottom 30% of every page must reach the content margin without significant whitespace.
 
+## Slide-design patterns (collected from the deck build)
+
+- **Cap-table over labelled pie chart.** A labelled donut with seven slices puts the percentages on the chart but adds visual clutter at small slice counts. A clean post-investment cap table (Shareholder / Shares / % with a gold-rule Total row) reads faster on the slide and matches the term-sheet treatment. Default to the table; reserve the pie for slides with three to four large slices.
+- **Circular founder avatars on the team slide.** Square photos at full card width over-allocate vertical real-estate and crowd the bio + advisor band. Fixed-diameter circular avatars (e.g. 42mm × 42mm, `border-radius: 50%`, centred `margin: 0 auto`) leave room for the eyebrow + name + 3-line bio + advisor band on a 16:9 slide.
+- **Headshot crops are face-centred, not full-environment.** Crop each source PNG/JPG to a tight head + shoulders square at 1200×1200 (`magick <src> -crop WxH+X+Y +repage -resize 1200x1200 -strip <crop>.png`), then encode with `cwebp -q 88 -m 6 -mt`. Resize-then-encode never loses face fidelity at the 42mm display size. Track per-founder face position from the source dimensions and centre the crop window on it.
+- **Bio line budget on slide 8 is ~3 lines at 8.5pt.** A 4th line crashes into the advisor band's `border-top`. Trim aggressively: lead with the headline number ("33 years residential estate agency"), then 2-3 firms and 1-2 awards.
+- **Linter strips trailing text in long edits.** When editing a multi-line founder bio (or any cell where you append clauses past a verbatim sentence), the auto-formatter has rewritten the trailing fragment on this project. Always re-grep the file after the edit; if "Sole IN01 director." or "2× Capper" went missing, the edit needs a second pass with a smaller anchor.
+
 ## Pitfalls to avoid (collected from the reference project)
 
 - **Renaming a directory after the URL is published.** Keep `<project-site>/.docs/data-room/html/<artefact>/index.html` stable; if the URL changes, downstream investor links break.
@@ -212,6 +249,7 @@ References: `references/html-pdf-pipeline.md` for the canonical `render-pdf.mjs`
 - `references/compliance-research-checklist.md` — UK + EU regulatory regimes to verify
 - `references/internal-workings-scrub.md` — the public-vs-internal doctrine, patterns to scrub, recurrence list
 - `references/design-tokens-application.md` — how to consume `realagent-site/.docs/design-tokens.md` from an artefact's `:root` block
+- `references/termsheet-template.md` — A4-portrait term-sheet structure, cap-table reconciliation, common defects
 
 ## Reference project
 

package/payload/premium-plugins/founder-pack/skills/investor-data-room/references/termsheet-template.md

@@ -0,0 +1,66 @@
+# Term sheet template
+
+A4-portrait, 6-to-8-page formal term sheet, same render pipeline as the business plan (Playwright + img2pdf + qpdf). Lives at `html/prospectus/term_sheet.html`. The reference project produces a 7-page artefact: cover + 5 content pages + signatures.
+
+## Page-by-page structure
+
+| # | Page | Contents |
+|---|---|---|
+| 1 | Cover + preamble | Issuer (full Companies-House-filed legal name), document title, "Non-binding — confidentiality and exclusivity bind", preamble (round purpose, recipient self-cert reminder), introductory parties table (Issuer, Founders list, Investors, round size, minimum cheque, minimum aggregate, target first close) |
+| 2 | Share economics & use of proceeds | Instrument (ordinary £0.001 or £0.01 nominal, ranking *pari passu*), pre-money / post-money / dilution, issue price (computed from pre-money ÷ pre-investment shares), Round Share count, use of proceeds split, long-stop date, funds-expected timing |
+| 3 | Cap table on closing | Holder / Role / Shares / % table; founders subtotal; Round Shares row; total = 100% / 625,000 |
+| 4 | Governance & shareholder protections | Board composition (director-designate per IN01), information rights (≥5% threshold), pre-emption, drag-along / tag-along, share-transfer good-leaver / bad-leaver, SEIS/EIS posture, confidentiality (binding), exclusivity (binding) |
+| 5 | Closing terms | Governing law (English), expenses (each party bears own), founder IP assignment (deed at first close, no licence-back, no royalty), conditions to closing, long-form documentation timeline |
+| 6 | Signatures | Company block (director-designate per IN01) + Investor block (name / entity / commitment / signature line) |
+| 7 | Investor self-certification (optional) | UK self-cert criteria check-list with signature block |
+| 8 | Backpage | Contact card + confidentiality reminder + companies-house identifier |
+
+## Cap table reconciliation
+
+The cap table on closing **must reconcile against the IN01 + the Round 1 dilution model exactly**. The pattern from the reference project:
+
+| Step | Source |
+|---|---|
+| Pre-investment shares (e.g. 500,000) | IN01 statement of capital |
+| Per-founder pre-investment % | IN01 cap table |
+| Dilution % | (Round size / post-money) = 350 / 1,750 = 20% in the reference project |
+| Post-investment % per founder | Pre-investment % × (1 − dilution%) |
+| Post-investment shares per founder | Pre-investment shares × (1 − dilution%) — note this only works if all founders dilute pro rata |
+| Round Shares | New investor's post-investment % × total post-investment shares |
+| Total post-closing shares | Pre-investment shares ÷ (1 − dilution%) |
+
+Reference project numbers (pre 500k, dilution 20%):
+- Joel 24.90% / 124,500 → 19.92% / 124,500 (no change in shares; dilution is via issuance of new shares)
+- Adam 24.90% / 124,500 → 19.92% / 124,500
+- Alex 20.00% / 100,000 → 16.00% / 100,000
+- Jamie 15.16% / 75,813 → 12.13% / 75,813
+- BackleyBlack 8.75% / 43,749 → 7.00% / 43,749
+- Stewart Smalley 6.29% / 31,438 → 5.03% / 31,438
+- Founders subtotal 500,000 / 80.00%
+- New investors (Round 1) 125,000 / 20.00%
+- Total post-closing 625,000 / 100.00%
+
+Issue price = pre-money / pre-investment shares = £1,400,000 / 500,000 = **£2.80 per Round Share** (£0.001 nominal + £2.799 share premium in the reference project where nominal was £0.001; or £0.01 nominal + £2.79 premium if the term sheet sets nominal at £0.01).
+
+## Doctrine
+
+- **Issuer name is the IN01-filed legal entity.** Stale term sheets that reference a marketing entity (e.g. "Real Agent Systems Ltd" instead of the filed "Real Agent Network Limited") are defects. The Companies House number on every page header should match.
+- **Founder list reads exactly as the cap table.** Six holders on the cap table = six in the founder list. No phantom founders. Strategic shareholders (e.g. an investing LLP) ride in by entity name, not by their constituent individuals.
+- **Sole director on IN01 is the director-designate on the term sheet's signature page.** A term sheet that names two directors when IN01 named one needs reconciling before issue.
+- **SEIS/EIS posture is post-funding obligation, never closing contingency.** Never assured prior to distribution; no representation as to qualifying status. Forms no part of consideration.
+- **Confidentiality + exclusivity bind; everything else is non-binding** until subscription & shareholders' agreement.
+
+## Render
+
+Same `render-pdf.mjs` pattern as the business plan; viewport 794×1123 (A4 portrait at 96 dpi), deviceScaleFactor 3.125 (300 dpi PNG), `img2pdf --pagesize 210mmx297mm`, `qpdf --linearize`. Output: `html/prospectus/term_sheet.pdf`.
+
+## Common defects to avoid
+
+| Defect | Fix |
+|---|---|
+| Issuer name mismatch (marketing vs filed) | Use the IN01 legal name verbatim on every page header |
+| Founder list includes individuals also represented by an LLP holding | Use the LLP holding only; do not double-count |
+| Issue price stated without showing the calculation | `£2.80 = £1.4m ÷ 500,000 pre-shares` in the issue-price row |
+| Cap-table % rounding doesn't sum to 100% | Compute % as `shares / total` and verify the sum; never hand-enter % rows |
+| SEIS/EIS implied as confirmed | "Pursuing SEIS/EIS Advance Assurance from HMRC is a post-funding obligation … not a closing contingency … no representation as to qualifying status" |
+| Director-designate doesn't match IN01 | Read the IN01 PDF; the proposed director on IN01 is the director-designate |