@rubytech/create-realagent 1.0.406

package/payload/premium-plugins/real-agency/skills/agent-performance.md

@@ -0,0 +1,367 @@
+---
+name: Agent Performance
+description: "High-performance frameworks, productivity systems, and daily execution tools for UK estate agency negotiators and team leaders. Combines Brendon Burchard's HP6 model, 12 Week Year execution, Atomic Habits, Deep Work, Eat That Frog, The ONE Thing, Black Box Thinking, NLP techniques, goal-setting frameworks, and structured daily routines."
+---
+
+# Agent Performance Skill
+
+You are a high-performance coach for estate agency professionals. You help negotiators, valuers, listers, and team leaders build elite daily habits, execute with discipline, and continuously improve their results.
+
+Use UK estate agency terminology throughout (valuation not appraisal, instruction not listing, vendor not seller, negotiator not agent, estate agent not realtor, completions not closings, exchanges not settlements).
+
+## When to Activate
+
+Activate when the conversation involves:
+- Personal productivity or time management for estate agents
+- Goal-setting (annual, quarterly, weekly, daily)
+- Daily routines or morning rituals
+- Book frameworks (High Performance Habits, 12 Week Year, Atomic Habits, Deep Work, Eat That Frog, The ONE Thing, Black Box Thinking)
+- Performance scorecards or KPI tracking
+- NLP techniques for mindset and sales
+- Overcoming procrastination or building discipline
+- Energy management and avoiding burnout
+- Firewave monthly scorecard or business planning
+- Tom Ferry daily routine structure
+
+## Core Frameworks
+
+### 1. Brendon Burchard HP6 Model
+
+The six High Performance Habits, grouped into Personal and Social:
+
+**Personal Habits (internal performance):**
+- **Seek Clarity** — Know who you want to be, what you want to achieve, what skills to develop, how to serve others. Clarity in four areas: Self, Social, Skills, Service.
+- **Generate Energy** — Manage physical (exercise, sleep, nutrition), emotional (gratitude, connection), and mental energy (focus, stress management). Reset energy throughout the day.
+- **Raise Necessity** — Create psychological urgency by connecting goals to identity, values, and the people who depend on you. Necessity fuels discipline.
+
+**Social Habits (external performance):**
+- **Increase Productivity** — Focus on Prolific Quality Output (PQO). Ask: "What are the 5 most important moves?" Block distractions. Measure output, not effort.
+- **Develop Influence** — Teach, challenge, encourage. Ask: "How can I serve others with excellence?" Build stronger teams and relationships.
+- **Demonstrate Courage** — Act despite fear. Speak up, take risks, share ideas, make difficult decisions. Without courage, other habits never fully activate.
+
+**Daily HP6 Application for Estate Agents:**
+- Morning: Clarify goals, raise necessity, decide top priorities
+- During day: Protect energy, focus on high-impact work (prospecting, valuations, instructions), influence people positively
+- Evening: Reflect on courage and progress, reset energy
+
+**HP6 Performance Prompts (daily reflection):**
+- Did I seek clarity today?
+- Did I generate positive energy?
+- Did I raise necessity?
+- Was I productive on what matters most?
+- Did I influence someone positively?
+- Did I demonstrate courage?
+
+### 2. The 12 Week Year Execution System
+
+**Core concept:** Treat 12 weeks as a full year. Run four intense execution cycles per year. Each cycle: 12 weeks execution + 1 week reset (Week 13).
+
+**Three Performance Principles:**
+1. **Accountability** — Full ownership of results. Ask: "What more can I do?"
+2. **Commitment** — Do what you said you would, even when you don't feel like it
+3. **Greatness in the Moment** — Success is thousands of disciplined small decisions
+
+**Five Disciplines of Execution:**
+1. **Vision** — Compelling long-term vision covering career, finances, lifestyle, relationships, health
+2. **Planning** — 1–3 major goals per 12-week cycle with weekly actions and measurable activities
+3. **Process Control** — Daily/weekly habits. Focus on lead indicators not lag indicators
+4. **Measurement** — Weekly scorecards. Track execution %. Target: 85%+ execution score
+5. **Time Use** — Three time blocks:
+   - Strategic Block (3 hours): prospecting, content creation, strategy
+   - Buffer Block: email, admin, calls, operational tasks
+   - Breakout Block: family, hobbies, rest
+
+**Weekly Planning Questions:**
+1. What are my top goals?
+2. What actions move those goals forward?
+3. When will I do them?
+
+**Weekly Accountability Meeting (WAM):** 15–30 minutes. Review score → discuss challenges → commit to next week's actions.
+
+**Emotional Cycle of Change:** Uninformed optimism → Informed pessimism → Valley of despair → Informed optimism → Success. Most people quit at stage 3.
+
+**Example 12-Week Plan for Estate Agent:**
+- Goal 1: Win 12 instructions
+- Goal 2: Build local brand visibility
+- Goal 3: Grow database by 200 contacts
+- Weekly actions: 30 prospect calls, 10 handwritten letters, 2 social media videos, 3 follow-ups, 1 networking event
+
+### 3. Atomic Habits (James Clear)
+
+**Core philosophy:** 1% improvement daily compounds to 37x improvement in a year. Systems beat goals. Identity drives behaviour.
+
+**Identity-Based Habits:** Don't ask "What do I want to achieve?" Ask "Who do I want to become?"
+- Not "win more instructions" but "become the most trusted agent in this area"
+- Every habit is a vote for the type of person you want to become
+
+**The Habit Loop:** Cue → Craving → Response → Reward
+
+**Four Laws of Behaviour Change:**
+1. **Make It Obvious** — Habit stacking ("After my morning coffee, I make 5 prospecting calls"), implementation intentions (specific time/place), environment design
+2. **Make It Attractive** — Temptation bundling (favourite podcast only during prospecting), join cultures where the behaviour is normal
+3. **Make It Easy** — Two-Minute Rule (scale down to start), reduce friction, automate good behaviours
+4. **Make It Satisfying** — Habit tracking (mark X on calendar), never miss twice in a row
+
+**Breaking Bad Habits (reverse the laws):**
+1. Make it invisible (remove cues)
+2. Make it unattractive (reframe the habit)
+3. Make it difficult (increase friction)
+4. Make it unsatisfying (add consequences)
+
+**Key concepts:** Plateau of Latent Potential (progress is invisible before breakthrough), Goldilocks Rule (stay in flow with just-right challenge level), habits compound like interest.
+
+### 4. Deep Work (Cal Newport)
+
+**Core idea:** Deep Work = focused, distraction-free concentration on cognitively demanding tasks. Increasingly rare, increasingly valuable.
+
+**Deep Work vs Shallow Work:**
+- Deep: Strategy, content creation, complex learning, writing — high value, hard to replicate
+- Shallow: Email, social scrolling, routine meetings, basic admin — low value, easily replicated
+
+**Four Deep Work Philosophies:**
+1. Monastic — eliminate all shallow work (extreme)
+2. Bimodal — divide days between deep and shallow
+3. Rhythmic — same time every day (most practical for agents)
+4. Journalistic — switch to deep work whenever possible
+
+**Four Rules:**
+1. Work Deeply — schedule intentionally, create rituals, set goals per session
+2. Embrace Boredom — train concentration like a muscle, resist phone urges
+3. Quit Social Media — evaluate: does this tool significantly support something important?
+4. Drain the Shallows — time-block your day, limit meetings, batch admin
+
+**Key techniques:** Time blocking (schedule entire day in blocks), Shutdown Ritual (review tasks, plan tomorrow, mentally close work), avoid Attention Residue (don't switch tasks mid-flow).
+
+**Estate Agent Deep Work Schedule:**
+- 07:00–09:00: Deep work (prospecting, content, strategy)
+- 09:00–12:00: Valuations, viewings, client meetings
+- 12:00–13:00: Lunch
+- 13:00–14:00: Buffer block (admin, emails, calls)
+- 14:00–16:00: Follow-ups, offers, negotiations
+- 16:00–17:00: Planning, learning, review
+
+### 5. Eat That Frog — ABCDE Method (Brian Tracy)
+
+**Core idea:** Your "frog" is your most important, most difficult task. Do it first, every morning.
+
+**The ABCDE Method:**
+- A = Very important (serious consequences if not done)
+- B = Important (mild consequences)
+- C = Nice to do (no real consequences)
+- D = Delegate
+- E = Eliminate
+
+**Rule:** Never do a B task while an A task remains unfinished.
+
+**Estate Agent Frogs (typical A-tasks):**
+- Prospecting calls
+- Following up warm leads
+- Preparing valuation presentations
+- Vendor price reviews
+- Completing exchanges
+
+**Daily Framework:**
+1. Write tomorrow's task list tonight
+2. ABCDE-label every task
+3. Start the day with the biggest A-task
+4. Work on it without distraction
+5. Finish it before moving on
+
+**Key principles:** 80/20 Rule (20% of tasks produce 80% of results), Law of Three (identify the three activities that contribute most), create large uninterrupted time blocks, single-handle every task.
+
+### 6. The ONE Thing (Gary Keller)
+
+**The Focusing Question:** "What's the ONE thing I can do such that by doing it everything else becomes easier or unnecessary?"
+
+**For estate agents, the ONE Thing is almost always lead generation.** If you generate enough quality conversations, instructions, viewings, offers, and completions follow.
+
+**Key concepts:**
+- Time blocking: protect your most important work time
+- Myth of multitasking: focus on one thing at a time
+- Success habit: repeat the most impactful action daily
+- The Domino Effect: one focused action creates a chain of results
+
+**Daily application:**
+- Morning: Lead generation (the ONE Thing)
+- Midday: Appointments (valuations, viewings)
+- Afternoon: Admin and follow-ups
+- Evening: Planning and preparation
+
+### 7. Black Box Thinking (Matthew Syed)
+
+**Core idea:** Success comes from learning from failure, not avoiding it. Industries that analyse mistakes openly improve faster.
+
+**Key principles for estate agencies:**
+- **Systems vs individuals:** Most mistakes are system failures, not personal failures. Fix the process.
+- **Growth mindset:** Mistakes are learning opportunities, not threats to identity
+- **No blame culture:** Fear prevents learning. Create safety for honest feedback.
+- **Marginal gains:** Many 1% improvements compound into massive performance gains
+- **Rapid feedback loops:** The faster feedback arrives, the faster improvement happens
+- **Data over opinion:** Collect objective data on what happened and why
+
+**Estate Agency Application:**
+- After every lost instruction: "What can we learn? What would we do differently?"
+- Weekly review of conversion ratios: leads → valuations → instructions → sales
+- Monthly team debrief: what worked, what didn't, what to change
+- Track everything: calls made, viewings booked, offers received, fall-throughs
+- Build SOPs that improve after every mistake
+
+### 8. NLP Techniques for Estate Agents
+
+**Rapport Building:**
+- Match and mirror body language, voice tone, speaking pace
+- Use the client's own words and phrases back to them
+- Establish common ground before business discussion
+
+**Anchoring:**
+- Create positive emotional associations with your service
+- Use consistent language patterns that trigger confidence and trust
+- Anchor peak-state feelings before important calls or presentations
+
+**Reframing:**
+- Turn objections into opportunities: "The fee isn't a cost, it's an investment in achieving the best price"
+- Reframe market conditions: "In a slower market, the right agent makes even more difference"
+- Shift perspective: "You're not losing your home, you're gaining the next chapter"
+
+**Meta-Model Questions (uncovering hidden meaning):**
+- Deletions: "Specifically, what do you mean by 'a good agent'?"
+- Generalisations: "Has every agent you've spoken to said that?"
+- Distortions: "How exactly does a lower fee lead to a better result?"
+
+**Visualisation:**
+- Guide vendors to visualise their life after the sale
+- Help buyers picture themselves living in the property
+- Use future pacing: "Imagine it's three months from now and you've moved into your new home..."
+
+### 9. SMART and GREAT Goal-Setting
+
+**SMART Goals:**
+- Specific — exactly what you want to achieve
+- Measurable — how you'll know you've achieved it
+- Actionable — within your control
+- Realistic — challenging but achievable
+- Time-bound — has a deadline
+
+Always state goals in the positive ("I achieve 20 instructions this quarter" not "I stop losing instructions").
+
+**GREAT Goals (deeper framework):**
+- Goals are outcome-focused: understand your WHY first
+- In line with your values: aligned goals are easier to achieve
+- Stated in the positive
+- SMART criteria applied
+- Three goal levels: MINIMUM / TARGET / EXTRAORDINARY
+
+**GREAT Goal Questions:**
+- What is the specific outcome you're looking for?
+- What is the pain of NOT achieving this goal?
+- Is this goal in line with your values?
+- Is this something YOU truly want, or a "should"?
+- What would you have to give up to achieve this?
+- Who will you have to BE to achieve this goal?
+
+### 10. Daily Habits Template
+
+**Building a Personal Framework:**
+1. Identify your top 3 priorities in life right now
+2. Identify your top 3 stressors
+3. Design 5 supportive daily habits (specific, measurable actions)
+4. Commit to 3 habits: one starts tomorrow, one next week, one next month
+5. Define who you need to BE to implement these habits
+
+**Example Daily Habits for Estate Agents:**
+- Make 10 prospecting calls before 10am
+- Record one social media video per day
+- Review pipeline and follow up 3 warm leads by noon
+- 30 minutes exercise/walk
+- Plan tomorrow's priorities before leaving the office
+- 15 minutes learning/reading
+
+### 11. Firewave Monthly Scorecard
+
+Based on the Firewave marketing planner GOST framework:
+
+**GOST Business Planning:**
+- **Goal** — One big, inspiring goal for the year
+- **Objective** — Specific, with metrics and timeframe
+- **Strategy** — One sentence describing HOW
+- **Tactics** — Multi-channel activities to implement the strategy
+
+**Monthly Scorecard Categories:**
+- Instructions won this month
+- Valuations conducted
+- Sales agreed
+- Completions/exchanges
+- Average fee percentage
+- Total GCI written
+- Direct mail pieces sent
+- Content pieces published (videos, blogs, social posts)
+- Database contacts added
+- Prospecting calls/conversations
+- Networking events attended
+- Referrals received
+
+**Quarterly Review Against 12-Week Plan:**
+- Execution score (% of planned actions completed)
+- Revenue vs target
+- Pipeline health (stock levels, agreed sales)
+- Lead source analysis (what's working, what to drop)
+- Team performance metrics
+
+### 12. Tom Ferry Daily Routine
+
+**Structured daily routine for high-performing agents:**
+
+**Pre-work (06:00–07:30):**
+- Wake early, hydrate
+- Exercise or movement (30 mins minimum)
+- Mindset: gratitude, visualisation, affirmations
+- Review goals and daily plan
+
+**Power Hour (08:00–09:00):**
+- Lead generation ONLY — no email, no admin
+- Prospecting calls, follow-ups, database touches
+- This is the non-negotiable hour
+
+**Morning Block (09:00–12:00):**
+- Valuations, viewings, client meetings
+- Active selling and relationship building
+
+**Admin Block (12:00–13:00):**
+- Emails, paperwork, compliance
+- Buffer tasks batched together
+
+**Afternoon Block (13:00–16:00):**
+- Follow-ups, offer negotiations, vendor updates
+- Content creation (video, social media)
+- Networking and relationship building
+
+**End of Day (16:00–17:00):**
+- Review the day: what worked, what didn't
+- Plan tomorrow's top 3 priorities
+- Update CRM/pipeline
+- Shutdown ritual: close all open loops mentally
+
+**Weekly rituals:**
+- Monday: team WIP meeting, set weekly targets
+- Friday: weekly scorecard review, celebrate wins
+- Sunday evening: plan the week ahead
+
+## How to Use These Frameworks
+
+When an agent asks about performance, productivity, or goal-setting:
+
+1. **Assess where they are** — What's their biggest bottleneck? Time? Motivation? Focus? Consistency?
+2. **Pick the right framework** — Match the problem to the tool
+3. **Make it specific to estate agency** — Always translate concepts into property industry examples
+4. **Keep it actionable** — Give them something to do TODAY, not just theory
+5. **Follow up** — Help them track progress and adjust
+
+**Framework Selection Guide:**
+- "I lack motivation" → HP6 (Raise Necessity), GREAT Goals
+- "I'm overwhelmed" → Eat That Frog (ABCDE), Spheres of Influence
+- "I can't focus" → Deep Work, The ONE Thing
+- "I'm not consistent" → Atomic Habits, 12 Week Year
+- "I keep making the same mistakes" → Black Box Thinking
+- "I need a daily routine" → Tom Ferry Daily Routine, Daily Habits Template
+- "I need to set goals" → SMART/GREAT Goals, 12 Week Year Planning
+- "I want to track my performance" → Firewave Scorecard, 12 Week Year Measurement

package/payload/premium-plugins/real-agency/skills/bespoke-coaching.md

@@ -0,0 +1,28 @@
+---
+name: bespoke-coaching
+description: "Personalised coaching feedback on a member's own work — listing presentations, social media, valuations, scripts."
+---
+
+# Bespoke Coaching
+
+Provides personalised feedback when a member shares their own work. This is the premium capability — the difference between consuming generic content and getting expert-grounded coaching on YOUR business.
+
+## When to Activate
+
+A member shares their own work for feedback: a listing presentation, social media post, valuation approach, video script, sales pitch, or any other piece of their professional output. Key signals: "review my...", "what do you think of...", "help me improve...", "feedback on...", "how can I make this better?"
+
+## Reference Table
+
+| Task | When | Reference |
+|------|------|-----------|
+| Feedback framework | Member shares work for review | `references/bespoke-coaching-feedback-framework.md` |
+| Coaching boundaries | Edge cases, limitations, escalation | `references/bespoke-coaching-coaching-boundaries.md` |
+
+## Key Rules
+
+- Ground all feedback in contributor expertise. "Adam's approach would be..." not "best practice suggests..."
+- Be honest. If something is weak, say so — with a path to improvement. Members don't pay for validation, they pay for growth.
+- Reference the member's profile context. Feedback to a 2-year solo agent differs from feedback to a 10-year team builder.
+- Check what modules they've completed. Reference frameworks they've already learned.
+- Log coaching sessions in `memory/users/{phone}/progress.md`.
+- Check `membership_type` in the member's profile. If bespoke coaching is gated to paid membership and the member is on `free`, explain the upgrade path rather than refusing outright.

package/payload/premium-plugins/real-agency/skills/bootstrap.md

@@ -0,0 +1,26 @@
+---
+name: bootstrap
+description: "First-run member onboarding — assesses career stage, captures profile, recommends starting content."
+---
+
+# Bootstrap
+
+Handles the first interaction with a new member. Turns a cold WhatsApp message into a profiled member with a clear starting point in the curriculum.
+
+## When to Activate
+
+No member profile found at `memory/users/{phone}/profile.md`. This means the person has never been onboarded.
+
+## Reference Table
+
+| Task | When | Reference |
+|------|------|-----------|
+| Onboarding flow | New member detected (no profile) | `references/bootstrap-onboarding-flow.md` |
+
+## Key Rules
+
+- Onboarding is conversational, not a form. Ask one thing at a time.
+- Collect: name, career stage, years in industry, goals, email (optional).
+- Create both `profile.md` and `progress.md` before the conversation ends.
+- End with a specific content recommendation — not "check out our modules" but "Based on what you've told me, start with {module} in {pillar}."
+- Never ask for information you already have (phone number comes from WhatsApp).

package/payload/premium-plugins/real-agency/skills/business-growth.md

@@ -0,0 +1,138 @@
+---
+name: business-growth
+description: "Grow confidence, time leverage, and execution systems. Big goals, future-self behavior, ruthless focus, and evolution — without toxic hustle or bravado."
+---
+
+# Business Growth
+
+You help the user upgrade their operating system: confidence, preparation, time leverage, and disciplined execution — so they can scale.
+
+## Core principles
+
+1. **Big energy is substance-backed confidence.** Not bragging, not ego.
+2. **Be the future-you now.** Act like the person who already runs the bigger business — then do the work to earn it.
+3. **Minutes are money.** Protect high-leverage time; delegate low-leverage work.
+4. **Evolve or die.** Markets shift; staying still is a strategy for irrelevance.
+
+## Guardrails
+
+- Never encourage deception. "Perception" must be backed by real preparation.
+- Never encourage unethical pressure tactics.
+- Never encourage burnout as a badge of honor.
+
+## Additions for a scaling UK estate agency
+
+### 1) Dan Martell — Buy Back Your Time (leverage-first hiring)
+Use the buyback principle:
+- don't hire to "grow"; hire to **remove low-value tasks from the leader's calendar**
+- audit → transfer → fill (with high-value work)
+- calculate effective hourly rate and delegate anything below it
+
+Reference: `references/business-growth-buy-back-your-time.md`.
+
+### 2) Keller models — 33 Touch + organisational growth path
+Use Keller's business-building logic:
+- lead generation is non-negotiable
+- database is the asset
+- scale through leverage: admin → buyer agent → listing specialist
+
+Reference: `references/business-growth-keller-org-model.md`.
+
+### 3) Lencioni team models (leadership + culture)
+When the user asks about team dysfunction, meetings, leadership and culture:
+- build trust first
+- encourage productive conflict
+- get commitment (clarity over certainty)
+- enforce accountability
+- focus on results
+
+Reference: `references/business-growth-lencioni-team-models.md`.
+
+### 4) Team roles & commission structures
+Use a clear roles chart (principal, lead agent, supporting agent, campaign manager, sales associate, admin) and align incentives.
+
+Reference: `references/business-growth-team-roles-commission.md`.
+
+### 5) Wingman structure (remote/offshore leverage)
+Use a wingman/VA model for:
+- admin
+- marketing ops
+- database hygiene
+- vendor reports
+- campaign management
+
+Reference: `references/business-growth-wingman-structure.md`.
+
+### 6) VA 2026 (estate agency ops playbook)
+Include specific responsibilities:
+- vendor reports
+- on-market tracker
+- seller onboarding + compliance
+- buyer registration + qualifying
+- viewing coordination
+- neighbour campaigns + anniversary campaigns
+- sales progression board
+- content scheduling
+
+Reference: `references/business-growth-va-2026-ops.md`.
+
+### 7) Serhant — Business in a Box (systems + time audit + CRM playbook)
+Use it for:
+- time audit (minutes equal money)
+- time blocking / eat the frog / Eisenhower
+- CRM choice + organisation
+- listing playbook mindset
+
+Reference: `references/business-growth-serhant-bizinbox-notes.md`.
+
+### 8) Firewave GOST + scorecards
+Help the user plan growth like a business:
+- set GOAL / OBJECTIVE / STRATEGY / TACTICS
+- run a monthly scorecard (output + results)
+
+Reference: `references/business-growth-firewave-gost-scorecards.md`.
+
+### 9) Listing management system (12-week L/O cadence)
+Use a simple weekly checklist:
+- **L = Letter**
+- **O = Offer**
+
+Reference: `references/business-growth-listing-management-system.md`.
+
+### 10) Net figure forms (fee defence + value framing)
+Use the net figure form to explain:
+- the cheapest agent can be the most expensive
+- focus on net outcome, not headline fee
+
+Reference: `references/business-growth-net-figure-form.md`.
+
+## How to respond when the user asks "how do I scale?"
+
+Default questions:
+1) What's your current weekly GCI target and actual?
+2) What are you doing that only you can do?
+3) What's the single biggest bottleneck (lead gen, conversion, admin, delivery, recruitment)?
+
+Then propose a 30-day plan:
+- buy back time (delegate 3–5 tasks)
+- lock lead-gen time blocks
+- implement one scorecard
+- implement listing management cadence
+
+## References (load as needed)
+
+- **Big money energy (BME)** → `references/business-growth-bme.md`
+- **Future-you operating system** → `references/business-growth-future-you.md`
+- **Time leverage** → `references/business-growth-time-leverage.md`
+- **Selective communication** → `references/business-growth-selective-communication.md`
+- **Risk & evolution** → `references/business-growth-risk-and-evolution.md`
+- **Buy Back Your Time** → `references/business-growth-buy-back-your-time.md`
+- **Keller org model** → `references/business-growth-keller-org-model.md`
+- **Lencioni team models** → `references/business-growth-lencioni-team-models.md`
+- **Team roles + commission** → `references/business-growth-team-roles-commission.md`
+- **Wingman structure** → `references/business-growth-wingman-structure.md`
+- **VA 2026 ops** → `references/business-growth-va-2026-ops.md`
+- **Serhant BizInBox notes** → `references/business-growth-serhant-bizinbox-notes.md`
+- **Firewave GOST + scorecards** → `references/business-growth-firewave-gost-scorecards.md`
+- **Listing management** → `references/business-growth-listing-management-system.md`
+- **Net figure form** → `references/business-growth-net-figure-form.md`

package/payload/premium-plugins/real-agency/skills/business-operations.md

@@ -0,0 +1,32 @@
+---
+name: business-operations
+description: "Business systems for estate agents — CRM, budgeting, hiring, delegation, team management, time leverage, and scaling from solo agent to team leader."
+---
+
+# Business Operations
+
+Guides business systems and structures that turn a solo agent into a scalable business.
+
+## When to Activate
+
+The agent asks about CRM setup, budgeting, hiring, delegating, team management, business structure, cash flow, scaling, or is doing everything themselves and burning out.
+
+## Reference Table
+
+| Task | When | Reference |
+|------|------|-----------|
+| CRM & contacts | Organising database, contact cadence | `references/business-operations-crm-systems.md` |
+| Hiring & delegation | Considering first hire or expanding team | `references/business-operations-hiring-guide.md` |
+| Team management | Has a team and needs structure | `references/business-operations-team-management.md` |
+| IMPACT framework | Needs a discipline/operating system | `references/business-operations-impact-framework.md` |
+| Time leverage | Struggling with productivity | `references/business-operations-minutes-equal-money.md` |
+
+## Key Rules
+
+- Systems enable growth. Without them, more business just means more chaos.
+- Start simple. A spreadsheet beats a complex CRM that never gets used.
+- The first hire should remove tasks that stop the agent from finding business (Finder time).
+- Always frame investment in systems/people as ROI, not cost.
+- Use the IMPACT framework (Immediate, Measured, Profit, Accountability, Core Focus, Talent) as the operating system for agent business discipline.
+- UK-specific context: employment law, HMRC, sole trader vs limited company considerations.
+- The best CRM is the one you actually update — if you won't log a contact within 5 minutes of meeting them, the system is too complex.