@rubytech/create-realagent-code 0.1.26 → 0.1.27

package/payload/platform/plugins/estate-business/skills/payment-batch-stager/SKILL.md

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+---
+name: payment-batch-stager
+description: "Build the commission payment batch ready for the operator's approval. Stages an export for the agent's bank or a payroll-style spreadsheet. Never initiates a transfer. Built for use inside month-end-close."
+---
+
+# Payment batch stager
+
+A building-block skill called by `month-end-close`. Turns the commission schedule into a ready-to-pay batch without ever moving money.
+
+## What it does
+
+Reads the commission schedule produced by `commission-calculator`. For each payee with a non-zero net, the skill produces a row in the batch:
+
+- Payee name
+- Payee bank account (sort code, account number) from the profile's payees table
+- Amount
+- Reference (the deal references, abbreviated to fit the bank's reference length limit)
+- Pay date (the operator's preferred pay date)
+
+Two outputs are produced:
+
+1. A bank-payment-batch file in the format the operator's bank accepts (CSV or BACS-style, depending on the profile).
+2. A payroll-style spreadsheet that the operator can use to make payments manually if they prefer the human-in-the-loop transfer step.
+
+The operator approves the batch. Approval does not initiate a transfer; the file is downloaded or staged for the operator to upload to their bank.
+
+## What it does not do
+
+- It does not initiate a transfer. Ever.
+- It does not store bank credentials.
+- It does not bypass the operator on any change to a payee's bank details. Any first-time bank-detail entry routes through `profile-writer` with an explicit confirmation step.
+
+## Connectors
+
+Read: profile (payees table, bank format), commission schedule from `commission-calculator`.
+Write: file artefact in the agent's Drive.
+
+## Profile keys
+
+- `realagent.payees` (per-agent bank details)
+- `realagent.bank.batch_format` ("csv" | "bacs" | "open_banking_pain001" | "manual")
+- `realagent.bank.preferred_pay_date_offset_days` (days after period end, default 7)

package/payload/platform/plugins/estate-business/skills/period-reconciler/SKILL.md

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+---
+name: period-reconciler
+description: "Match completions to fees received for a closing period and surface variances. Returns three categories: matched, pending, variance, with a one-line cause per variance and a draft email to the accountant or the solicitor where appropriate. Built for use inside month-end-close."
+---
+
+# Period reconciler
+
+A building-block skill called by `month-end-close`. Does the matching that underpins the reconciliation section of the close pack.
+
+## What it does
+
+For the period being closed, the skill reads:
+
+- Every property with completion date in the period from the CRM
+- Every fee receipt in the accounting platform's bank feed for the period and the following 30 days
+
+It then matches receipts to completions on amount and date (with a small tolerance window). Three outcomes per completion:
+
+- **Matched.** Receipt amount matches expected fee within the tolerance. No action.
+- **Pending.** Completion logged but no receipt yet. The completion date age is shown so the operator knows whether to chase.
+- **Variance.** Receipt amount differs from expected fee by more than the tolerance. A one-line cause hypothesis is produced (fee adjustment, referral deduction, fee dispute, FX, sliding scale, withdrawal fee credited). A draft chase email to the solicitor or the accountant is staged, depending on which party the variance points at.
+
+## Variance writeoff
+
+Variances under the profile's writeoff threshold (default GBP 5) are proposed for writeoff. The operator approves the writeoff per item; the workflow does not write off anything silently.
+
+## What it does not do
+
+- It does not post journal entries. Postings are staged by `month-end-close` for the operator's approval.
+- It does not initiate a transfer.
+- It does not chase the solicitor or the accountant; it stages the draft email which the operator approves.
+
+## Connectors
+
+Read: CRM (completions, fee structure), accounting (bank feed, prior reconciliations).
+Write (staged only): email drafts to solicitor or accountant.
+
+## Profile keys
+
+- `realagent.close.writeoff_threshold_gbp` (default 5)
+- `realagent.close.match_tolerance_gbp` (default 1)
+- `realagent.close.match_tolerance_days` (default 30)

package/payload/platform/plugins/estate-business/skills/personal-branding/SKILL.md

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+---
+name: personal-branding
+description: "Build and execute a personal brand that attracts inbound opportunities. Identity first, consistency second, amplification third — with practical platform and content systems."
+---
+
+# Personal Branding
+
+You help the user build a clear, authentic personal brand and a repeatable content system that turns expertise into inbound opportunities.
+
+## Core principles
+
+1. **Identity before aesthetics.** Don't start with logos and colours. Start with: who you serve, what you stand for, and what makes you meaningfully different.
+2. **Consistency beats intensity.** A sustainable cadence compounding for 6–12 months beats a two-week burst.
+3. **Content is distribution, not diary.** Share to serve (teach, help, inform, inspire), not to vent.
+4. **Authentic ≠ unfiltered.** Maintain boundaries. Avoid anything that damages trust.
+
+## What you do
+
+- Clarify the user's positioning ("why you?")
+- Define a simple brand system (vision, AND, personality)
+- Pick the right channels and content formats
+- Build a weekly content cadence and a repurposing pipeline
+- Keep the tone aligned with the user's real voice while staying professional
+
+## What you never do
+
+- Never encourage oversharing, negativity, or public client complaints
+- Never encourage buying followers/engagement
+- Never advise plagiarism or copying competitors
+
+## Additions for UK estate agents
+
+### 1) Gary V's trilogy (Crush It / Crushing It / Day Trading Attention)
+Use Gary V as the operating philosophy:
+- build a personal brand by **documenting** the journey
+- attention is the asset; platforms shift
+- consistency + volume increases "luck"
+
+Practical takeaways:
+- create platform-native content (don't just repost)
+- engage in comments/DMs (attention → relationship)
+- run at sustainable volume (better 3x/week for a year than daily for 2 weeks)
+
+Reference: `references/gary-v-principles.md`.
+
+### 2) Attraction Agent 2.0 / 3.0 (Tom Panos)
+Use the Attraction Agent model:
+- marketing gets you **to the table**
+- sales closes **at the table**
+- build **Return on Engagement** (ROE)
+- keep online and offline **in line** (consistent quality)
+- be "recommendable" (social proof)
+
+Reference: `references/attraction-agent-notes.md`.
+
+### 3) Become a Brand Leader
+Use it as a *brand operating map*:
+- story, positioning, creative idea, tone
+- owned/earned/shared/paid media
+- funnel + experience
+
+Reference: `references/become-a-brand-leader-notes.md`.
+
+### 4) Firewave BLAST formula + blogging
+Use BLAST for daily/weekly social content:
+- **B**ehind the scenes
+- **L**ocal spotlight
+- **A** day in the life
+- **S**howcase of a property
+- **T**ips and advice
+
+Add blogging to build authority (SEO + trust): answer the questions sellers ask.
+
+Reference: `references/firewave-blast-and-blogging.md`.
+
+### 5) Daniel Priestley (Oversubscribed positioning)
+Help the user position as the "platypus" (unique, hard to compare) and create demand:
+- be known for something specific
+- run campaigns, not constant selling
+- add scarcity (limited slots, launch dates)
+- invest in being remarkable (experience people talk about)
+
+Reference: `references/oversubscribed-positioning.md`.
+
+### 6) "Storeys of Cheshire" style content examples (local authority)
+When asked for examples, propose content that feels like:
+- local lifestyle + community + property stories
+- calm, high-trust tone
+- repeatable series (weekly)
+
+Reference: `references/storeys-style-examples.md`.
+
+## What to do when the user asks "what should I post?"
+
+Ask:
+1) Who is the audience this week (seller, buyer, landlord, agent attraction)?
+2) What do we want them to believe about you?
+3) What proof can we show?
+
+Then propose:
+- 3 post ideas
+- 1 short-form video script
+- 1 story sequence (3 frames)
+
+## References (load as needed)
+
+- **Brand strategy system** → `references/brand-strategy-system.md`
+- **Visual identity** → `references/visual-identity.md`
+- **Platforms ("five families")** → `references/platforms.md`
+- **Content engine** → `references/content-engine.md`
+- **Authenticity & boundaries** → `references/authenticity-boundaries.md`
+- **Gary V principles** → `references/gary-v-principles.md`
+- **Attraction Agent 2.0/3.0 notes** → `references/attraction-agent-notes.md`
+- **Become a Brand Leader notes** → `references/become-a-brand-leader-notes.md`
+- **Firewave BLAST + blogging** → `references/firewave-blast-and-blogging.md`
+- **Oversubscribed positioning** → `references/oversubscribed-positioning.md`
+- **Storeys-style content examples** → `references/storeys-style-examples.md`

package/payload/platform/plugins/estate-business/skills/personal-branding/references/attraction-agent-notes.md

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+# Attraction Agent 2.0 / 3.0 (Tom Panos) notes
+
+## Key distinction
+- **Marketing** = getting noticed / getting to the table.
+- **Sales** = converting once you’re at the table.
+
+## Return on Engagement (ROE)
+In the new world:
+- it’s not what you say to the market
+- it’s what the market says about you
+
+## Be recommendable
+- testimonials
+- tagged posts
+- consistent quality
+
+## Online and offline “in line”
+Consistency across:
+- listings
+- photography
+- copy
+- social proof
+- personal presentation
+
+## Practical actions
+- build database (fit database, not fat)
+- use listings marketing to attract more listings
+- invest in content that compounds
+
+## Line to use
+“Brand is what they say about you when you’re not there.”

package/payload/platform/plugins/estate-business/skills/personal-branding/references/attraction-agent.md

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+# Tom Panos Attraction Agent Model
+
+From Attraction Agent 2.0 & 3.0. The shift from Transactional Agent to Attraction Agent.
+
+## The Core Shift
+- **Transactional Agent:** cold calling, interrupting strangers, chasing listings
+- **Attraction Agent:** building profile, creating presence, vendors come to you
+
+> "Knocking on doors interrupting strangers who don't want to speak to you is not the most effective thing an agent can do to get more listings."
+
+## Attraction Agent Business Model
+| Stage | GCI | Focus |
+|---|---|---|
+| Beginner | £120k | Start |
+| Year 1 | £150k | Learn |
+| Advance | £200k | Fine tune |
+| Superstar | £350k | Upskill |
+| Brand Agent | £500k | Marketing |
+| Elite Brand | £750k | Attraction |
+| 7 Figure | £1M+ | Attraction + Leverage |
+
+## Brand = Reputation + Reach
+- Reputation = trust, character, integrity
+- Reach = visibility, marketing, distribution
+- You need BOTH — thousands of great agents have no reach
+
+## The Law of Attraction in Property
+The agent with the listings is the agent that gets the listings. The agent with the best marketed listings gets the vendors who will do the best marketing. Use current listings to get more listings.
+
+## Return on Engagement (ROE)
+In the new world, it's not what you say to the market — it’s what the market says about you. Brand is what they say about you when you're not there.
+
+## Marketing vs Closing
+- Marketing = getting noticed, being called to present
+- Closing = winning the instruction when you're at the table
+- There are only 2 reasons you don't have every listing: you were not called in, or you were not good enough once you were there
+
+## 30 Laws of the Attraction Agent (Selected)
+- Everything you do either builds or destroys your brand equity
+- Be super focused on the customer experience
+- If you're in business, you're in show business
+- The fastest way to double your income is to double your rate of learning
+- Critical behaviours are highly average actions that give massive results (80/20)
+- Be up by 5am
+- Have a clear 30-second elevator speech
+
+## What Makes an Attraction Agent
+- World class viewings
+- 5am club
+- Ideal week structure
+- Daily physical exercise
+- Crucial conversations
+- 10 calls before 10am
+- Attitude of gratitude
+- Daily personal development
+- Prospect 1-3 hours daily
+- Understands vendor paid marketing
+- Positive reference groups

package/payload/platform/plugins/estate-business/skills/personal-branding/references/authenticity-boundaries.md

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+# Authenticity & Boundaries
+
+Authentic brands build trust faster — but boundaries protect the brand.
+
+## Authenticity is
+- truthful voice
+- real stories with lessons
+- calm confidence
+- showing process
+
+## Authenticity is NOT
+- oversharing personal drama
+- posting while angry
+- complaining about clients
+- drunk/party content
+
+## "TMI" red flags
+If you wouldn't say it at a professional networking event, don't post it.
+
+## Negativity rule
+If you must mention a challenge, use:
+**Problem → Action → Lesson → Application**
+
+## Consistency rule
+Be the same person online and in real life. Trust dies when there's a mismatch.
+
+## Gary V on Authenticity
+People can quickly sense fake personal brands. Instead of trying to be perfect: show failures, show struggles, share real opinions. The internet rewards real personalities. This builds trust, loyalty, and community.

package/payload/platform/plugins/estate-business/skills/personal-branding/references/become-a-brand-leader-notes.md

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+# Become a Brand Leader (high-level map)
+
+Use as a checklist for a brand that is more than “posting content”.
+
+## Components to define
+- brand story
+- brand positioning
+- tone
+- creative idea
+- communications strategy
+- web funnel
+- in-person experience
+- owned/earned/shared/paid media
+
+## UK estate agent adaptation
+- owned: website/blog, email list
+- shared: socials, community groups
+- earned: local press, partnerships, testimonials
+- paid: targeted ads (lead magnet, retargeting)

package/payload/platform/plugins/estate-business/skills/personal-branding/references/blast-formula.md

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+# Firewave BLAST Formula & Blogging
+
+## The BLAST Formula
+A daily content framework for social media:
+
+| Letter | Category | Examples |
+|---|---|---|
+| **B** | Behind the Scenes | Designer working on brochures, photographer going the extra mile, unboxing bespoke materials |
+| **L** | Local Spotlight | Afternoon run to favourite café, competition with local florist, interview with new shop owner |
+| **A** | A Day in the Life | Facebook Live from a local landmark, photo of interesting find on a walk, full rainbow on way to office |
+| **S** | Showcase of a Property | Sneak peek coming soon, new to market, just sold, bath with a view, twilight shoot |
+| **T** | Tips and Advice | Live Q&A "7 reasons to sell in spring", blog link with graphics, testing household hacks |
+
+## How BLAST Works
+Like a diet — a few posts outside the formula won't hurt, but if BLAST posts are in the minority, results won't follow.
+
+## Property Showcase Tips
+- Be careful with property adverts (platforms restrict reach for ads)
+- Instead: "sneak peek", "new to market", "just sold" format
+- Show interesting details: period features, views, unique architectural elements
+
+## Five P’s to Blog Like a Pro
+1. **Plan** — list all topics, common questions, frequent issues
+2. **Prepare** — research, gather data, find examples
+3. **Produce** — write with personality, break into scannable sections
+4. **Publish** — on your website (drives SEO)
+5. **Promote** — share across social, email, and communities
+
+## Blog Topic Ideas
+- When is the right time to go on the market?
+- Do I need professional photography?
+- Why do I need a floor plan?
+- What's an EPC?
+- How long will it take my house to sell?
+- What happens after you accept an offer?
+- Moving with children: a parent's guide
+
+## Blogging Benefits
+- Positions you as an expert authority
+- Demonstrates transparency and honesty
+- Creates an estate agent's website people actually want to visit
+- Drives Google ranking through fresh, relevant content

package/payload/platform/plugins/estate-business/skills/personal-branding/references/brand-leader.md

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+# Become a Brand Leader
+
+From the *Become a Brand Leader* framework.
+
+## Every Brand Leader Must Know
+
+### Brand Foundation
+- Brand Story
+- Brand Positioning
+- Positioning Statement
+- Functional Benefits
+- Emotional Benefits
+- Reason to Believe
+
+### Consumer Understanding
+- Target Consumer
+- Consumer Insights
+- Consumer Enemy (what frustrates your ideal client)
+- Consumer Analytics
+
+### Communications
+- Creative Brief
+- Creative Idea
+- Communications Strategy
+- Advertising Tone
+
+### Media Mix
+- Earned Media (PR, press, word of mouth)
+- Owned Media (website, blog, email list)
+- Shared Media (social media)
+- Paid Media (advertising)
+
+### Business Operations
+- Strategic Plan (Vision, Key Issues, Strategies, Tactics)
+- Organisation Culture and Values
+- Talent and Training
+- Service Systems
+- Forecasting and Budgets
+
+## For Estate Agents
+Apply brand leader thinking to:
+- How your listings are presented
+- How your marketing looks and feels
+- How clients experience your service
+- How your team represents the brand
+- How you're perceived vs competitors
+
+> "Everything you do every day either builds or destroys your brand equity."

package/payload/platform/plugins/estate-business/skills/personal-branding/references/brand-strategy-system.md

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+# Brand Strategy System (Identity First)
+
+## The goal
+Answer the market's question: **"Why you?"**
+
+A brand isn't your logo — it's the set of **associations and expectations** people have when they see your name.
+
+## Phase 1 — Discover your core identity
+
+### 1) Brand vision (5-year snapshot)
+Write a vivid, present-tense description of life/work **5 years from now**:
+- who you serve
+- what outcomes you create
+- what you're known for
+- what your day looks like
+
+Then work backwards:
+- 3 years → what must be true?
+- 1 year → what milestones?
+- 6 months → what actions?
+- this month → what's the first step?
+
+### 2) Your "AND" (your moat)
+You're not *just* X. You're **X AND Y**.
+Examples:
+- estate agent **AND** local historian
+- estate agent **AND** content creator
+- estate agent **AND** community champion
+
+Rules for a good AND:
+- real (authentic)
+- valuable (people will pay)
+- differentiated (rare combo)
+
+### 3) Brand personality
+Pick a consistent stance on these spectrums:
+- formal ↔ casual
+- calm ↔ energetic
+- expert ↔ peer
+- exclusive ↔ inclusive
+
+### 4) Core promises
+Define 3–5 promises you always keep (e.g. "fast response", "clear next steps", "no surprises").
+
+## Phase 2 — Consistency
+Consistency across:
+- messaging
+- visuals
+- cadence
+- standards (response time, quality)
+
+## Phase 3 — Amplify
+Once identity + consistency exist:
+- partnerships
+- press
+- bigger distribution
+- events / talks
+
+**Rule:** Amplify a message you can sustain — don't amplify chaos.

package/payload/platform/plugins/estate-business/skills/personal-branding/references/content-engine.md

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+# Content Engine (Pillars → Cadence → Repurpose)
+
+## Content pillars
+Pick 3–5 themes you can talk about forever.
+Examples:
+- education (how it works)
+- mistakes (what to avoid)
+- stories (wins/losses)
+- behind-the-scenes (process)
+- proof (testimonials/case studies)
+
+## Cadence (minimum viable)
+- 3 posts/week on primary platform
+- 1 short video/week (or more if easy)
+- daily light-touch stories (optional)
+
+## Batching
+Create content in 1–2 blocks/week:
+- record 4–8 clips
+- write 3–5 posts
+- schedule
+
+## What "value" means
+Each piece should do at least one:
+- educate
+- inspire
+- entertain
+- inform
+- connect
+
+## Gary V’s Content Formula
+1. Choose a niche you care about
+2. Produce valuable content consistently
+3. Distribute across multiple platforms
+4. Engage deeply with your audience
+5. Build trust over time
+6. Monetise once attention exists
+
+## Document, Don’t Create
+Instead of thinking "What should I create?" think "What am I already doing that I can share?"
+- Recording conversations
+- Sharing behind the scenes
+- Answering questions
+- Showing the process
+
+## 10x Content Rule (Sharran)
+One video should produce: 1 YouTube video, 3 Instagram clips, 1 LinkedIn post, 1 email topic, 1 short reel.
+
+**Test:** would you save/share it?

package/payload/platform/plugins/estate-business/skills/personal-branding/references/firewave-blast-and-blogging.md

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+# Firewave BLAST + blogging (estate agency)
+
+## BLAST categories
+- **B**ehind the scenes
+- **L**ocal spotlight
+- **A** day in the life
+- **S**howcase of a property
+- **T**ips and advice
+
+## Weekly minimum viable cadence
+- 3 posts/week (mix BLAST)
+- 1 short video/week
+- 1 blog/month
+
+## Blogging topics that work
+Answer seller questions:
+- “When is the best time to sell?”
+- “Do I need professional photography?”
+- “What’s an EPC and why it matters?”
+- “How long will my house take to sell in <area>?”
+
+## Repurpose
+Blog → LinkedIn post → IG carousel → video script.

package/payload/platform/plugins/estate-business/skills/personal-branding/references/gary-v-content.md

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+# Gary Vaynerchuk Content Strategy
+
+Combined principles from Crush It!, Crushing It!, and Day Trading Attention.
+
+## Core Philosophy
+The internet has created the greatest opportunity in history for individuals to build businesses around their personal brand. Your phone + social media = your media company.
+
+> "Attention is the asset."
+
+## From Crush It!
+- Passion is the starting point
+- The internet eliminates gatekeepers
+- Content builds trust
+- Build audience before monetising
+- Work ethic matters
+- Community engagement is essential
+
+## From Crushing It!
+- People follow people, not businesses
+- Document your journey and provide value
+- Every platform has different behaviour and culture
+- Early adoption creates massive advantage
+- Patience and consistency — building a brand takes years (3-5+ years)
+- Reply to every comment and message early on
+
+## From Day Trading Attention
+- Attention moves constantly across platforms
+- Creative is the most important variable — beats budget every time
+- Speed matters — trends move quickly, react fast
+- Volume wins — more content = more chances of success
+- Organic reach is still massively undervalued
+- Build brand first, sales second
+
+## The 4 Types of Content
+1. **Educational** — tips, tutorials, advice
+2. **Inspirational** — success stories, personal journeys
+3. **Entertaining** — humour, relatable moments
+4. **Documentary** — real life, behind the scenes, process
+
+## Platform-Native Content
+- TikTok: short-form entertainment, trends
+- Instagram: visual storytelling, lifestyle
+- LinkedIn: professional insights, career stories
+- YouTube: long-form education and storytelling
+- Each platform requires adapted content — don't just repost
+
+## Key Principles for Estate Agents
+- You don't need to be the best — document your journey
+- Consistency beats perfection — daily imperfect > occasional perfect
+- Patience is the advantage — most people quit too early
+- Personal brands beat corporate brands — people trust individuals
+- Authenticity creates loyalty — real personalities build real audiences

package/payload/platform/plugins/estate-business/skills/personal-branding/references/gary-v-principles.md

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+# Gary V principles (Crush It / Crushing It / Day Trading Attention)
+
+## Core ideas
+- **People follow people**: your personal brand drives trust.
+- **Attention is the asset**: where attention goes, business follows.
+- **Document, don’t over-produce**: show the process.
+- **Platform culture matters**: adapt content to each platform.
+- **Speed + volume**: more content = more learning + more upside.
+- **Engagement is distribution**: comments/DMs are part of the job.
+- **Long game**: 1–2 years to build, 3–5 years to compound.
+
+## UK estate agent application
+- Daily micro content: viewings, prep, negotiation lessons.
+- Weekly pillar content: market updates, pricing myths, “how to choose an agent”.
+- Community content: local spotlight series.
+
+## Guardrails
+- Professional boundaries.
+- Never shame clients or vendors.
+- Never post when angry.

package/payload/platform/plugins/estate-business/skills/personal-branding/references/oversubscribed-positioning.md

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+# Oversubscribed positioning (Daniel Priestley)
+
+## Goal
+Create demand > supply so you stop chasing.
+
+## Principles
+1) Be known for something specific (niche)
+2) Create demand before selling (waiting list)
+3) Use constraints (limited slots, launch dates)
+4) Run campaigns (not constant selling)
+5) Use signals (social proof, “sold out”, case studies)
+6) Spend a remarkable budget (experience people talk about)
+
+## Estate agent application
+- limited “launch slots” per month
+- campaign-style property launches
+- buyer waiting list
+- remarkable vendor experience (updates, presentation, calm control)