@rubytech/create-realagent-code 0.1.26 → 0.1.28

package/payload/platform/plugins/estate-business/skills/commission-calculator/SKILL.md

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+---
+name: commission-calculator
+description: "Compute each agent's earned commission for the period using the splits table, including referral fees passed through, franchise levies deducted, and pre-agreed adjustments. Presents the result as a payable schedule with totals. Built for use inside month-end-close."
+---
+
+# Commission calculator
+
+A building-block skill called by `month-end-close`. The feature that justifies this workflow for the office tier.
+
+## What it does
+
+Reads the splits table from the profile (a structured document mapping each agent to their commission rate per fee type), then for every completion that received its fee in the period:
+
+1. Compute the gross commission per the splits table.
+2. Pass through any referral fee owed to a referring agent or third party.
+3. Deduct the franchise levy if applicable (a percentage of gross).
+4. Apply any pre-agreed adjustment (one-off bonus, holiday cover, claw-back).
+
+The output is a payable schedule, one row per agent, with the gross, the deductions, the net, and the deal references that build to each row. A totals row sums every column.
+
+## Solo agent behaviour
+
+For a solo agent with no splits table, the skill produces a single row showing gross fee income net of any referral fees and franchise levies. Solo agents care less about commission split logic but still get value from the structured summary.
+
+## What it does not do
+
+- It does not pay the agents. Payment is `payment-batch-stager`.
+- It does not run payroll PAYE or NIC calculations. The schedule is gross-of-tax; the accountant handles tax.
+- It does not amend the splits table. The table is edited out-of-band; the workflow reads.
+
+## Connectors
+
+Read: profile (splits table, franchise levy percentage), CRM (deal references), accounting (received fees from `period-reconciler`).
+Write: none.
+
+## Profile keys
+
+- `realagent.commission.splits_table_path`
+- `realagent.commission.franchise_levy_pct`
+- `realagent.commission.adjustments` (list of pre-agreed adjustments per agent per period)

package/payload/platform/plugins/estate-business/skills/exp-partnership/SKILL.md

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+---
+name: eXp Partnership
+description: "Educate Real Agency Club members on the eXp UK model — revenue share, stock ownership, business partnership options, and agent attraction using the 95/5 system. Triggered when members ask about eXp, changing brokerage, passive income, revenue share, or growing beyond transactions."
+---
+
+# eXp Partnership
+
+Real Agency Club operates within the eXp UK framework. Members benefit from understanding the full model — not just commission splits, but the wealth-building ecosystem.
+
+## Three Rules
+
+1. **Educate, don't sell.** The eXp model sells itself once understood. Your job is to explain clearly, answer questions accurately, and let the numbers speak. Never pressure — agents are independent contractors who make their own decisions.
+
+2. **Lead with the problem.** Start with what's broken in traditional estate agency: no equity, no retirement plan, income stops when you stop, high overheads, team members become competitors. Then show how eXp addresses each one.
+
+3. **Always defer commercial specifics to Adam.** You can explain the model, share general figures, and point to resources. But specific commission negotiations, partnership terms, and formal presentations should always go through Adam Mackay or the eXp UK team.
+
+## What You Should Know
+
+**Five Income Buckets (vs traditional two):**
+1. Listings & Sales (same as always)
+2. Stock ownership (EXPI shares earned through production milestones)
+3. Dividends (from stock ownership)
+4. Revenue share (7-tier passive income from agents you attract)
+5. Agent Equity Commission Program (5% of commission taken as stock at a discount)
+
+**Key UK Numbers:**
+- 70/30 commission split
+- £24,000 annual cap (then 100% less transaction fee)
+- £250 capped transaction fee (drops to £100 after 50 deals or £400k GCI)
+- £150/month total fees (tech + university + advertising)
+- ICON Award: up to £16,000 in stock for top producers
+- Revenue share: £1,400/year per Tier 1 capping agent, cascading through 7 tiers
+
+**What You Don't Do:**
+- Quote specific earnings projections
+- Promise income levels
+- Negotiate partnership terms
+- Compare specific agents' earnings
+- Share confidential business details
+
+## References
+
+Load the relevant reference when the topic requires it:
+
+- **eXp model overview** → `references/exp-model-overview.md` — the five buckets, how it works, UK-specific details
+- **95/5 system** → `references/95-5-system.md` — the agent attraction methodology, Matt Ashby's journey, how to spend 5% of time building passive income
+- **Revenue share explained** → `references/revenue-share-explained.md` — 7-tier structure, how it's calculated, what it means practically
+- **Model comparison** → `references/model-comparison.md` — eXp vs KW vs TAUK at £100k GCI, net position analysis
+- **Business partnership** → `references/business-partnership.md` — how existing agencies partner with eXp, team structure, qualifying criteria
+- **Agent attraction scripts** → `references/agent-attraction-scripts.md` — recruiting funnel, video script templates, objection handling
+- **12 reasons for businesses** → `references/12-reasons.md` — why an existing business should consider partnering

package/payload/platform/plugins/estate-business/skills/exp-partnership/references/12-reasons.md

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+# 12 Reasons a Business Should Consider Partnering With eXp
+
+Adapted from Adam Mackay's "12 Days of Christmas" guide for Real Agency.
+
+## 1. You Keep Your Brand
+Partnering doesn't mean losing your identity. Your brand, listings, data, and reputation stay yours. eXp is the platform underneath, not the face of your business.
+
+## 2. Lower Risk, Smarter Overheads
+Traditional agencies carry heavy fixed costs. With eXp, costs scale with income rather than ahead of it — a safer, more sustainable way to grow.
+
+## 3. Your Pipeline Stays Yours
+No reset. Your existing pipeline stays exactly where it is. You only pay eXp on new contracts going forward.
+
+## 4. Cloud-Based, But Very Human
+Tech-enabled and cloud-based, but fundamentally people-first. Real support, genuine collaboration, and access to a community.
+
+## 5. Built for Agents AND Business Owners
+Whether you're solo, a growing team, or a multi-branch business — the model flexes around you, not the other way round.
+
+## 6. Team Building Without Unnecessary Risk
+Build teams, leadership layers, and profit centres without the stress of leases, overstaffing, or overexposure.
+
+## 7. Technology That Supports Growth
+CRM, transaction management, marketing, integrations — eXp invests heavily in tools that remove friction from daily work.
+
+## 8. Collaboration Over Competition
+The culture shift. Agents genuinely help each other — locally, nationally, globally. No guarding, no ego.
+
+## 9. Training at Every Level
+From new agents to experienced business owners. Constant access to learning, coaching, and shared best practice.
+
+## 10. Built for Where the Industry Is Going
+The industry is evolving fast. eXp is designed for the future, not the past. Stay relevant without fighting the tide.
+
+## 11. Real Exit Options
+Scale, step back, or plan a long-term exit. The model gives business owners genuine options that traditional agency doesn't.
+
+## 12. Real Agency Support On Top
+For those partnering through Real Agency, it's not just eXp — it's mentorship, collaboration, events, shared systems, and a true community built by agents, for agents.

package/payload/platform/plugins/estate-business/skills/exp-partnership/references/95-5-system.md

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+# The 95/5 System — Agent Attraction Without Sacrificing Production
+
+Created by Patrick and Matt Ashby. A 3-year business plan to create £100,000+ annual passive income through revenue share.
+
+## The Core Concept
+
+Spend **95% of your time** on your core business (selling property). Dedicate just **5%** to "agent attraction" — referring agents to eXp using a proven system.
+
+You don't need to become a recruiter. You need a partner (your upline) who handles presentations while you focus on production and simply connect agents to the opportunity.
+
+## Matt Ashby's Journey
+
+- **Year 0:** Matt was a new agent with 2 years' experience. He focused on production. His father Patrick handled presentations.
+- **Year 1:** Matt referred 4 agents (Tier 1). Team grew to 100. Revenue share: £61,000.
+- **Year 2:** Matt referred just 4 more agents. But the team grew to 400 (organic, from his Tier 1s attracting others). Revenue share: £146,000.
+- **Year 3:** Again just 4 personal referrals. Team doubled to 800. Revenue share exceeded £250,000 — surpassing his production income.
+- **Year 4:** Team expanded to 1,400+ agents across multiple countries. Revenue share: £621,000.
+
+**The remarkable part:** Revenue share is turn-key. No paperwork, no management. eXp tracks everything in real-time globally.
+
+## The Partnership Model
+
+- **Connector** (you) — focuses on production, refers agents when opportunities arise
+- **Presenter** (your upline/sponsor) — handles the detailed eXp presentation, runs the numbers, answers complex questions
+
+This removes the pressure of needing to "sell" eXp. You simply identify agents who might benefit, connect them to your presenter, and the system handles the rest.
+
+## How to Spend Your 5%
+
+1. **Build a Master List** — every agent you know, every agent you meet, every agent whose name you see on a board
+2. **Categorise** — Unqualified → Hit List → Generals (had initial conversation) → In Process → Working → Hot
+3. **Casual mentions** — in normal conversation, mention what you're doing, how it's going, what's different about eXp
+4. **Share content** — forward relevant eXp Life articles, press releases, success stories
+5. **Drip campaigns** — consistent, low-effort follow-up (the 95/5 manual provides templates)
+
+## Key Insights
+
+### The "Trailer Stage" Analogy
+When you start, you're at the "trailer stage" — only early adopters join. As you build evidence (success stories, capping agents, revenue share numbers), more agents take notice. Like a housing development: first the trailer, then the model home, then the full subdivision.
+
+### Timing Matters
+"You cannot say the right thing to the wrong person, and you cannot say the wrong thing to the right person."
+
+Agents take 2-6 months from first exposure to joining. Some take years. Maintain relationships and drip, don't push.
+
+### The Missed Opportunity
+One agent didn't follow up consistently after introducing someone to eXp. Three years later, that agent joined — but under someone else's sponsorship. A simple drip campaign would have secured the sponsorship.
+
+### It's Not Too Late
+80,000+ agents is a fraction of the 500,000 goal. 99% of agents on any MLS board have NOT received a comprehensive presentation. Brand recognition makes prospecting easier now than in the early days.
+
+## The Growth Wealth Chart
+
+Track your progress:
+- **Year 1-5** — plot total agents attracted per year
+- **Revenue projection** — use revsharecalculator.exprealty.com
+- **Freedom Numbers** — at what point does revenue share cover your living expenses?
+
+## Cultural Background
+
+eXp's success is modelled on lessons from previous industry disruptions:
+- **RE/MAX** (1973) disrupted with the desk fee model — agents kept more commission
+- **Keller Williams** (1983) disrupted with capping + profit share — third income stream
+- **eXp** (2009) disrupted with cloud-based + stock + 7-tier revenue share — five income streams
+
+Each disruption gave agents more. eXp is the latest and most comprehensive evolution.

package/payload/platform/plugins/estate-business/skills/exp-partnership/references/agent-attraction-scripts.md

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+# Agent Attraction Scripts & Funnel
+
+Adapted from KS Team Recruiting Funnel and 95/5 System.
+
+## The Recruiting Funnel Structure
+
+### 1. About Your Team/Club
+"We're a community of driven professionals committed to excellence. With cutting-edge technology, mentorship, coaching, and marketing strategies, we help agents achieve their career goals and build real businesses."
+
+### 2. Onboarding Process
+- Step 1: Initial orientation and training with experienced agents
+- Step 2: Access to online learning platform and recorded courses
+- Step 3: Demonstrate readiness with key processes
+- Step 4: Paired with a senior agent/mentor for personalised support
+
+### 3. Testimonials & Success Stories
+Always lead with real stories. Agent testimonials are the most powerful conversion tool. Collect and share them regularly.
+
+### 4. Opportunities & Support
+"With personalised mentorship, advanced tools, and access to a national community, we set you up for success from day one."
+
+### 5. Call to Action
+"Ready to take your career to the next level? Let's have a conversation."
+
+## Video Script Template
+
+"If you're impact-driven and motivated to be successful in your estate agency career, we should talk.
+
+Hi, I'm [Name] with [Brand], and we're growing right now! We cover [areas].
+
+We're looking for agents who are growth-minded, resilient, and driven to be part of something bigger.
+
+Here at [Brand], we have a culture of production. Since we started, we've [achievement stats].
+
+We're known for three things: unmatched training, support, and access to more opportunities to build your business fast.
+
+We have an incredible onboarding programme. Whether you're brand new or you've sold hundreds of homes, our systems optimise your sales process for the best possible results.
+
+Our training is taught by people who are actively selling right now — not by someone who sold homes years ago.
+
+Check out these success stories: [2-3 specific examples with names and results]
+
+You'll get a mentor, access to our leadership, marketing support for social media, and you can focus on what you do best — meeting clients and selling homes.
+
+If you're interested in a conversation, we'd love to hear from you."
+
+## The Master List System
+
+### Categories (Pipeline)
+1. **Unqualified** — names you've collected but not spoken to
+2. **Hit List** — identified as worth reaching out to
+3. **Generals** — had initial conversation, showed some interest
+4. **In Process** — actively considering, asked questions
+5. **Working** — in detailed discussions, reviewing numbers
+6. **Hot** — ready to make the move, just needs the push
+
+### Where to Find Agents
+- For Sale boards in your area
+- Portal listings (agent names)
+- Local networking events
+- Industry conferences and masterminds
+- Social media (who's active, who's posting about frustrations)
+- Past colleagues and training course contacts
+- Agents who've listed against you (competitive but respectful)
+
+## Drip Campaign Principles
+
+- Consistent, not aggressive
+- Share useful content: eXp Life articles, press releases, success stories, market insights
+- Forward relevant wins from within your team
+- Seasonal touchpoints (new year, end of tax year, industry events)
+- "Just saw this and thought of you" → article about agent leaving traditional model
+- Never spam, never pressure
+
+## Handling Common Questions
+
+**"I've heard of eXp but don't really understand it"**
+→ "Most people haven't had it properly explained. Happy to walk you through the numbers — no pressure, just clarity."
+
+**"I'm happy where I am"**
+→ "That's great. Most agents who joined were happy too — they just didn't know what they were leaving on the table. Worth 20 minutes to understand the difference?"
+
+**"Is it just an online thing?"**
+→ "Cloud-based, yes — but very human. Masterminds, in-person events, mentorship, local collaboration. The tech removes overhead, not relationships."
+
+**"What about my brand?"**
+→ "You keep it. Your name, your listings, your data, your reputation. eXp sits underneath."
+
+**"Isn't it too late?"**
+→ "80,000 agents is a fraction of the 500,000 target. 99% of agents in your area haven't had a proper presentation. Brand recognition actually makes conversations easier now."

package/payload/platform/plugins/estate-business/skills/exp-partnership/references/business-partnership.md

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+# Business Partnership — Existing Agencies Joining eXp UK
+
+## How It Works
+
+When an existing estate agency business partners with eXp UK, it becomes a "Team" within the eXp framework. The business retains its brand, listings, data, and reputation. eXp becomes the platform underneath — not the face of the business.
+
+## The Evolution
+
+1. 2019: eXp UK launched with solo agents joining as independent contractors
+2. June 2023: High-performing solo agents allowed to build branded teams
+3. 2024: Model opened to existing estate agency businesses
+
+## Team Structure
+
+- **Progressing Team Leader** — usually the business owner. Full cap (£24k), pays additional £800+VAT/month per branch (reduces based on GCI targets)
+- **Team Members** — fee earners (anyone who values/appraises/lists). Half cap (£12k), plus split agreed with Team Leader
+
+### Team Leader Monthly Costs
+- £125+VAT start-up fee
+- £75+VAT/month tech fee
+- £25+VAT/month university fee
+- £25+VAT/month advertising
+- £800+VAT/month progressing Team Leader fee per branch (reduces to £0 at certain GCI levels)
+- £50+VAT/month to add lettings
+
+### Reducing the £800 Monthly Fee
+- Rolling 3-month GCI between £46,875 and £56,250 (×branches) → £400+VAT
+- Rolling 3-month GCI above £56,250 (×branches) → £0
+- 8+ team members paying £125+VAT/month → £0
+
+## Qualifying Criteria
+
+- Minimum £150,000 sales revenue across 40 completions in each of the last 3 years, per branch
+- Lower amounts considered case by case
+- Ongoing: 65 transactions at £225k GCI in rolling 12 months, or £20M in property sales
+
+## Commission Calculation (Teams)
+
+1. First deduct any outside referrals
+2. Divide gross between Team Leader and Team Member (split varies by agreement)
+3. eXp takes 30% from each agent individually (until capped)
+4. After cap: £250 transaction fee split between Team Leader and Team Member
+
+## Key Benefits for Existing Businesses
+
+### Cost Reduction
+- Fee earners become self-employed → save ~17.5% on NI and pension
+- No office lease required (can use Regus coworking worldwide)
+- Compliance handled centrally (AML, KYC, TPOS, e-signing)
+
+### Technology Included
+- Loop CRM (UK-specific, free for fee earners)
+- Portal integration (Rightmove, Zoopla, OnTheMarket)
+- Moneypenny call answering 24/7
+- Marketing templates and design support
+- HomeHunter buyer engagement tool
+
+### Data Migration
+- From Jupix, Alto, Expert Agent → Loop can import
+- Website rebuild at 33% discount (usually £3,000+VAT)
+- Hosting included in membership
+
+### Lettings
+- Let Only/Tenant Find service through Goodlord
+- Split 70/30 (min £180)
+- Take over management and keep 100% of management fee
+
+### Growth
+- Revenue share on agents YOU attract to eXp
+- Stock awards on production milestones
+- ICON Award for top producers (up to £16k in stock)
+- Your team members can grow independently WITHOUT becoming your competitor (they stay in your revenue share tree)
+
+## The Critical Difference for Team Leaders
+
+In traditional models, when you train someone and they leave to start their own agency, they become your competition — and you get nothing.
+
+At eXp, when a team member grows and starts their own team, they remain connected to you through revenue share. Their success continues to benefit you financially. This is why thousands of team leaders from traditional brokerages are switching.
+
+## What You Keep
+
+- Your brand name and identity
+- Your listings and pipeline
+- Your client relationships
+- Your data
+- Your reputation
+
+You can leave with 2 weeks' notice and go back to how you operated previously. No lock-in.
+
+## Important
+
+All commercial terms, partnership specifics, and formal presentations should go through Adam Mackay and the eXp UK team. This reference is for education — not for making commitments.

package/payload/platform/plugins/estate-business/skills/exp-partnership/references/exp-model-overview.md

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+# eXp Model Overview — UK Edition
+
+## What Is eXp?
+
+The world's largest independent estate agency. Cloud-based, agent-centric, operating in 24+ countries with 87,000+ agents globally. Founded by Glenn Sanford in 2009 (US), launched in UK in 2019 by Adam Day.
+
+## The Problem It Solves
+
+Traditional estate agency has structural problems:
+- **No equity** — you build someone else's brand
+- **No retirement plan** — income stops when you stop
+- **High overheads** — office rent, desk fees, staff costs eat into margins
+- **Team members become competitors** — you train someone, they leave and compete against you
+- **Two income buckets only** — listings and sales, nothing else
+
+## Five Buckets of Income
+
+### 1. Listings & Sales (same as always)
+70/30 split with eXp until you hit the £24,000 annual cap. After cap: 100% commission (less £250 transaction fee, reducing to £100 after 50 deals or £400k GCI).
+
+### 2. Stock Ownership
+Earn EXPI shares through milestones:
+- £160 stock on first sale completing
+- £320 stock when you cap
+- £320 stock for attracting another agent (after their first sale)
+- ICON Award: up to £16,000 in stock for top producers
+
+### 3. Dividends
+As a shareholder in eXp World Holdings (EXPI), you receive dividends. You're not just an agent — you're a co-owner alongside Glenn Sanford, Adam Day, and every other eXp agent.
+
+### 4. Revenue Share
+7-tier passive income. When you attract an agent to eXp and they generate revenue, you earn a percentage — paid from eXp's share, NOT from the agent's commission.
+- Tier 1: £1,400 per capping agent per year
+- Cascading through 7 tiers with varying percentages
+
+### 5. Agent Equity Commission Program
+Voluntarily take 5% of your commission as EXPI stock at a 5% discount. ~55% of agents participate.
+
+## Key Benefits
+
+- **Work from anywhere** — no office lease, no desk fees
+- **Keep your brand** — you trade as "[Your Name], powered by eXp"
+- **Cloud-based CRM** — Loop (UK-specific), integrated portals, lead generation
+- **Portal access** — Rightmove, Zoopla, OnTheMarket included
+- **Call answering** — Moneypenny 24/7
+- **Training** — continuous learning, masterminds, mentorship
+- **Compliance handled** — AML, KYC, TPOS, contract e-signing
+- **Global referral network** — 24+ countries
+- **eXp Luxury** — dedicated luxury brand and marketing
+
+## Monthly Costs
+
+- £150 start-up fee (one-off)
+- £150/month (tech £75 + university £25 + advertising £25 + misc)
+- No desk fees, no office rent, no franchise fees
+
+## UK Leadership
+
+- **Adam Day** — International eXpansion Leader for UK & Europe. Started in estate agency 1997. Launched Hatched.co.uk (acquired by Connells Group). Led eXp UK launch 2019.
+
+## The Key Differentiator
+
+"Once you see it, you can't unsee it."
+
+Traditional model = 2 income buckets, all overhead, no equity, no retirement.
+eXp model = 5 income buckets, minimal overhead, stock ownership, revenue share as retirement plan, willable/inheritable asset.

package/payload/platform/plugins/estate-business/skills/exp-partnership/references/model-comparison.md

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+# Model Comparison — £100,000 GCI Example
+
+Based on a solo self-employed agent. Figures are illustrative.
+
+## Side-by-Side
+
+| Model | Split | Cap / Fees | Stock | Rev Share |
+|-------|-------|-----------|-------|----------|
+| **eXp UK** | 70/30 → 100% | £24k cap, £250 txn fee | Yes | Global, 7-tier |
+| **Keller Williams** | 70/30 → 95/5 | £30k cap, £250 txn fee | No | Limited (profit share) |
+| **TAUK Standard** | 70/30 fixed | No cap, £100 txn fee | No | No |
+| **TAUK Advanced** | 60/40 fixed | No cap, £100 txn fee | No | No |
+
+## Net Position at £100,000 GCI (20 transactions, £5k avg fee)
+
+### eXp Realty
+- Gross: £100,000
+- Cap paid: £24,000
+- Monthly fees: £1,800 (£150 × 12)
+- Transaction fees: £5,000 (20 × £250)
+- **NET: £69,200**
+- PLUS: stock awards, revenue share, global referrals
+
+### Keller Williams UK
+- Gross: £100,000
+- Cap paid: £30,000
+- Monthly fees: £1,800 (£150 × 12)
+- Transaction fees: £5,000 (20 × £250)
+- **NET: £63,200**
+- No stock ownership, limited profit share
+
+### TAUK Standard
+- Gross: £100,000
+- Split paid (30%): £30,000
+- Monthly fees: £1,800 (£150 × 12)
+- Transaction fees: £2,000 (20 × £100)
+- **NET: £66,200**
+- No cap, no stock, no revenue share
+
+### TAUK Advanced
+- Gross: £100,000
+- Split paid (40%): £40,000
+- Monthly fees: £1,800 (£150 × 12)
+- Transaction fees: £2,000 (20 × £100)
+- **NET: £56,200**
+- Lowest net, no additional income streams
+
+## The Gap in Numbers
+
+At £100k GCI:
+- eXp leads by **£6,000** over KW
+- eXp leads by **£3,000** over TAUK Standard
+- eXp leads by **£13,000** over TAUK Advanced
+
+**Before** factoring in stock awards and revenue share — which are additional income streams unique to eXp.
+
+## Key Point for Conversations
+
+The question isn't just "which pays the most commission." It's "which model builds the most wealth over 5, 10, 20 years?" When you add stock accumulation and revenue share, the compounding effect significantly widens the gap.
+
+## Important Notes
+
+- eXp transaction fee only reduces to £100 after 50 transactions or £400k GCI
+- Stock awards and revenue share are NOT included in the net figures above
+- Figures are indicative and for comparison purposes only
+- Individual results depend on production, effort, and market conditions

package/payload/platform/plugins/estate-business/skills/exp-partnership/references/revenue-share-explained.md

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+# Revenue Share Explained — UK Edition
+
+## How It Works
+
+10% of every agent's Gross Commission Income (GCI) goes into a revenue share pool. This pool is distributed across 7 tiers of sponsors.
+
+**Critical:** Revenue share is paid from eXp's share — it does NOT reduce the agent's commission.
+
+## The 7-Tier Structure
+
+| Tier | Your Relationship | % of Revenue Pool | Per Capping Agent/Year | FLQA Needed |
+|------|------------------|-------------------|----------------------|-------------|
+| 1 | Agents YOU sponsored | 17.5% | £1,400 | 0 |
+| 2 | Agents THEY sponsored | 20% | £1,600 | 0 |
+| 3 | Third level | 12.5% | £1,000 | 0 |
+| 4 | Fourth level | 7.5% | £600 | 5-9 |
+| 5 | Fifth level | 5% | £400 | 10-14 |
+| 6 | Sixth level | 12.5% | £1,000 | 15-20 |
+| 7 | Seventh level | 25% | £2,000 | 30+ |
+
+**FLQA** = Front-Line Qualifying Agents (agents you've directly sponsored who are active and producing).
+
+## What This Means Practically
+
+- Sponsor 1 agent who caps → £1,400/year passive income
+- That agent sponsors 1 who caps → additional £1,600/year to you
+- Build to 10 Tier 1 capping agents → £14,000/year from Tier 1 alone
+- The cascading effect means organic growth can generate significant income without you adding more agents personally
+
+## Revenue Share vs Profit Share
+
+**Profit share (KW model):** Paid from office profits after overhead. Heavy bricks-and-mortar costs mean profits are often thin. Three levels of overhead eat into the pot.
+
+**Revenue share (eXp model):** Paid from top-line revenue, not bottom-line profit. Cloud-based model has minimal overhead, so the pool is larger and more predictable.
+
+## Passive Income Perspective
+
+To generate £100,000 annually in passive income through investments, you'd need £2,500,000 in capital at 4% return.
+
+Revenue share can potentially achieve this with zero capital investment — just time, relationships, and consistent effort.
+
+## Succession Planning
+
+Revenue share is a **willable, inheritable asset**. You can pass your revenue share team to your beneficiaries. This is estate agent retirement planning — something the traditional model has never offered.
+
+## The Real Numbers
+
+eXp's back office provides real-time data:
+- Dashboard showing your full revenue share team
+- Transactions processed
+- Payouts issued
+- New agents joined within your 7 tiers
+- All tracked automatically, globally, with no paperwork
+
+## Important Disclaimer
+
+Revenue share earnings are not guaranteed. They depend on the production of agents in your organisation. eXp makes no guarantee of financial success — it results from successful sales efforts requiring hard work, diligence, skill, persistence, competence, and leadership.

package/payload/platform/plugins/estate-business/skills/month-end-close/SKILL.md

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+---
+name: month-end-close
+description: "Run the monthly close, reconcile completions against fees received, compute the commission run, surface variances, and produce the pack for the accountant. Triggers when the operator says 'close out <month>', 'close <month>', 'month end', 'do my commission', 'commission run', 'reconcile <month>', 'ready for the accountant', 'what did I do last month'. Also fires automatically on the first working day of the month."
+---
+
+# Month-end close
+
+The master workflow owned by the compliance specialist. Compresses a half-day to a full day of month-end admin into a 20-minute review. Produces a clean pack ready for the accountant.
+
+This is the workflow that earns back the subscription. A solo agent who would otherwise spend half a Saturday on this should feel that Real Agent paid for itself in the time saved on month-end alone.
+
+## Inputs
+
+- The period to close (typically the previous calendar month).
+- The customisation profile.
+
+The workflow reads the rest from connectors.
+
+## Architecture principles encoded here
+
+- Read before write. The workflow opens by reading completions, fees received, the commission splits table, and the prior close pack. It writes nothing until the operator approves each individual stage.
+- Stage, don't send. Journal entries, payment batches, accountant emails are all staged. Approval is per item.
+- One screen of output. The pack is five sections, each summarised on one screen. Drill-down is available on request.
+- Cite the source. Every line in the reconciliation cites the completion record and the bank transaction it matched against. Every commission line cites the splits table and the deal.
+- Teach the profile. Categorisation conventions, variance tolerance, narrative tone all feed back through `profile-writer`.
+- Reversible. No transfers are initiated. Journal postings require explicit approval. The accountant pack is drafted and queued; nothing sends without the operator.
+
+## Output shape
+
+Five sections, in this order.
+
+1. **Completions.** Every property that exchanged or completed in the period: address, vendor, buyer, fee value, fee structure (sole, multi, withdrawal, sliding), completion date, expected receipt date. Anything that exchanged but is still awaiting completion is highlighted.
+2. **Reconciliation.** Fees expected versus fees received, matched on completion date and amount. Three flag categories: matched, pending (expected but not yet received with age), variance (received differs from expected: fee adjustment, referral deduction, fee dispute). Variances get a one-line cause and a draft email to the accountant or the solicitor if appropriate. Built by `period-reconciler`.
+3. **Commission run.** For office tiers with multiple agents: each agent's earned commission for the period, referral fees passed through, franchise levies deducted, pre-agreed adjustments. Built by `commission-calculator`. Presented as a payable schedule with totals.
+4. **Pipeline carry-forward.** Sale-agreed but not yet exchanged, with expected exchange or completion month, fee value, current fall-through risk pulled from `chase-progression`. One-line narrative of next month's expectation.
+5. **Variance narrative.** Two paragraphs comparing the period to the previous month and to the same period last year, in plain language. Built by `variance-narrator`. Suitable to paste into a board update, a tax-return cover note, or a conversation with a partner.
+
+## Approval gates
+
+- **Variance writeoffs.** Any fee variance the workflow proposes to write off (FX, small reconciliation differences) requires per-item approval.
+- **Commission payment batch.** Staged by `payment-batch-stager`. No transfer is initiated; the operator approves the batch for export to their bank, or makes payments manually using the schedule.
+- **Journal entries.** Any postings to the accounting system require approval. The default behaviour is to propose postings, show what they would do, and let the operator approve before they hit the books.
+- **Accountant pack send.** The drafted email to the accountant with the pack attached requires explicit approval before send.
+
+## Continuous learning hooks
+
+- Categorisation conventions. The accountant prefers a specific chart-of-accounts mapping. Corrected once, learned for every subsequent close.
+- Variance tolerance. Default writeoff threshold tightens or loosens based on overrides.
+- Narrative tone. Voice for the variance paragraphs learned from edit-before-approve diffs.
+- What to flag. "I always want to know about completions over GBP 5,000 fee value" leads the pack with those. "Don't bother flagging multi-agency fee splits separately" suppresses that detail.
+- Pipeline narrative confidence. Over time the workflow learns how accurate its "next month should look like X" predictions are and adjusts the confidence language.
+
+All writes go through `profile-writer`.
+
+## Connectors
+
+Read: accounting (Xero, FreeAgent, QuickBooks, Sage), bank feed via the accounting connector, CRM, prior month's close pack.
+Write: accounting (journal entries on approval), payment batch staging for the bank or for a payroll-style export, Drive (close pack storage), email (accountant pack).
+
+## Profile keys
+
+- `realagent.accounting.platform` ("xero" | "freeagent" | "quickbooks" | "sage")
+- `realagent.accounting.chart_of_accounts_map` (learned)
+- `realagent.close.writeoff_threshold_gbp` (default 5)
+- `realagent.close.flag_threshold_fee_gbp` (default 5000)
+- `realagent.close.narrative_voice_samples` (learned)
+- `realagent.close.pack_recipients` (accountant email addresses)
+- `realagent.commission.splits_table_path`
+- `realagent.commission.franchise_levy_pct`