@spark59/pricing 0.1.0

package/dist/index.d.ts

@@ -0,0 +1,2 @@
+export * from './pricing.js';
+export * from './personas.js';

package/dist/index.js

@@ -0,0 +1,2 @@
+export * from './pricing.js';
+export * from './personas.js';

package/dist/personas.d.ts

@@ -0,0 +1,27 @@
+export type PersonaKey = 'accelerator' | 'school' | 'corporate';
+export interface PersonaInput {
+    key: string;
+    label: string;
+    help?: string;
+    default: number;
+    min: number;
+    max: number;
+    step: number;
+}
+export type Inputs = Record<string, number>;
+export interface Persona {
+    key: PersonaKey;
+    title: string;
+    ctaLabel: string;
+    ctaSubject: string;
+    nfpDefault: boolean;
+    inputs: PersonaInput[];
+    formula: (i: Inputs) => number;
+    unitMetric: {
+        numeratorFn?: (i: Inputs, annual: number) => number;
+        denominatorFn: (i: Inputs) => number;
+        unitLabel: string;
+    };
+    summaryFn: (i: Inputs, annual: number) => string[];
+}
+export declare const PERSONAS: Record<PersonaKey, Persona>;

package/dist/personas.js

@@ -0,0 +1,95 @@
+// Persona configs for the shared pricing calculator.
+//
+// Pricing is internally accounted in founder-months (single source of truth in
+// pricing.ts). Each persona declares how to *display* that pricing in its
+// buyer's native language: a primary $/unit metric, a "what this covers"
+// summary, and input labels that match how the buyer talks about their program.
+//   - Accelerator: applicants, cohorts, founders → $ per founder coached
+//   - University:  students × classes            → $ per student per class
+//   - Corporate:   seats × engagement            → $ per seat per month
+const fmt = (n) => '$' + Math.round(n).toLocaleString('en-US');
+// Accelerator math helpers — used by both the unit metric numerator and the
+// summary breakdown, so the two stay consistent.
+function acceleratorScreenFm(i) { return i.applicants; }
+function acceleratorCoachFm(i) { return i.foundersCohort * i.cohorts * (1 + i.programMonths); }
+function acceleratorShare(i, annual) {
+    const screenFm = acceleratorScreenFm(i);
+    const coachFm = acceleratorCoachFm(i);
+    const totalFm = screenFm + coachFm;
+    const screenShare = totalFm > 0 ? Math.round(annual * (screenFm / totalFm)) : 0;
+    return { screenFm, coachFm, screenShare, coachShare: annual - screenShare };
+}
+export const PERSONAS = {
+    accelerator: {
+        key: 'accelerator',
+        title: 'Accelerator / Incubator',
+        ctaLabel: 'Schedule a scoping call',
+        ctaSubject: 'LEANSpark for Accelerators',
+        nfpDefault: false,
+        inputs: [
+            { key: 'applicants', label: 'Applicants screened per year with <span class="calc-tooltip" tabindex="0" data-tooltip="Business Model Design playbooks — guided exercises (Lean Canvas, customer factory, problem interviews) that turn raw applications into structured, comparable signals so reviewers can screen at depth, not by gut.">BMD</span> playbook', default: 100, min: 0, max: 2000, step: 25 },
+            { key: 'foundersCohort', label: 'Founders per cohort', default: 10, min: 1, max: 200, step: 1 },
+            { key: 'cohorts', label: 'Cohorts per year', default: 1, min: 1, max: 12, step: 1 },
+            { key: 'programMonths', label: 'Program length (months)', default: 4, min: 1, max: 12, step: 1 },
+            { key: 'coachSeats', label: 'Certified Coach seats <span class="calc-tooltip" tabindex="0" data-tooltip="$99/seat/month — coaching certification, workshop replays, playbooks, and the cohort dashboard. Billed for the program length. Free $0 management seats and the $199 Coach Agent tier are quoted separately.">($99/mo)</span>', default: 0, min: 0, max: 100, step: 1 },
+        ],
+        formula: (i) => acceleratorScreenFm(i) + acceleratorCoachFm(i),
+        unitMetric: {
+            // Numerator = coaching share only; denominator = founders coached.
+            // Applicant funnel is surfaced separately in the summary, not blended
+            // into the $/founder headline.
+            numeratorFn: (i, annual) => acceleratorShare(i, annual).coachShare,
+            denominatorFn: (i) => Math.max(1, i.foundersCohort * i.cohorts),
+            unitLabel: 'founder coached',
+        },
+        summaryFn: (i, annual) => {
+            const { screenShare, coachShare } = acceleratorShare(i, annual);
+            return [
+                i.applicants > 0 ? `${i.applicants} applicants screened — ~${fmt(screenShare)}` : null,
+                `${i.foundersCohort * i.cohorts} founders × ${i.cohorts} cohort${i.cohorts === 1 ? '' : 's'} × ${i.programMonths} months — ~${fmt(coachShare)}`,
+                'Re-allocate credits across cohorts mid-program',
+            ].filter(Boolean);
+        },
+    },
+    school: {
+        key: 'school',
+        title: 'Schools & Universities',
+        ctaLabel: 'Talk to our education team',
+        ctaSubject: 'LEANSpark for Schools and Universities',
+        nfpDefault: true,
+        inputs: [
+            { key: 'studentsPerTerm', label: 'Students per class', default: 25, min: 1, max: 2000, step: 5 },
+            { key: 'terms', label: 'Classes per year', default: 2, min: 1, max: 12, step: 1 },
+            { key: 'coachSeats', label: 'Certified Coach seats <span class="calc-tooltip" tabindex="0" data-tooltip="$99/seat/month — coaching certification, workshop replays, playbooks, and the cohort dashboard. Billed annually. Free $0 management seats and the $199 Coach Agent tier are quoted separately.">($99/mo)</span>', default: 0, min: 0, max: 100, step: 1 },
+        ],
+        formula: (i) => i.studentsPerTerm * i.terms,
+        unitMetric: {
+            denominatorFn: (i) => Math.max(1, i.studentsPerTerm * i.terms),
+            unitLabel: 'student per class',
+        },
+        summaryFn: (i) => [
+            `${i.studentsPerTerm} students × ${i.terms} class${i.terms === 1 ? '' : 'es'} per year`,
+            '500 credits per student (BMD playbook) — admins can raise caps for advanced students',
+        ],
+    },
+    corporate: {
+        key: 'corporate',
+        title: 'Corporate Innovation',
+        ctaLabel: 'Book an innovation-program call',
+        ctaSubject: 'LEANSpark for Corporate Innovation',
+        nfpDefault: false,
+        inputs: [
+            { key: 'seats', label: 'Number of seats', help: 'One seat = one innovator with full BMD + validation access. Fair-use cap of 500 credits/month; admins can re-allocate to power users.', default: 10, min: 1, max: 1000, step: 1 },
+        ],
+        formula: (i) => i.seats * 12,
+        unitMetric: {
+            denominatorFn: (i) => Math.max(1, i.seats * 12),
+            unitLabel: 'seat per month',
+        },
+        summaryFn: (i) => [
+            `${i.seats} seat${i.seats === 1 ? '' : 's'} × 12-month annual contract`,
+            'SSO, admin console, and cross-BU allocation reporting',
+            'Fair-use credit pool — admins can raise per-seat caps for power users',
+        ],
+    },
+};

package/dist/pricing.d.ts

@@ -0,0 +1,149 @@
+export interface PricingTier {
+    name: string;
+    minFm: number;
+    maxFm: number | null;
+    rate: number;
+    nfpRate: number;
+}
+export declare const MARGIN_FLOOR_PER_FM = 25;
+export declare const PRICING: {
+    currency: string;
+    creditsPerFounderMonth: number;
+    retailPerCredit: number;
+    tiers: PricingTier[];
+    activities: {
+        bmd: {
+            fm: number;
+            label: string;
+        };
+        validationMonth: {
+            fm: number;
+            label: string;
+        };
+        applicationScreen: {
+            fm: number;
+            label: string;
+        };
+    };
+    validityMonths: {
+        default: number;
+        scale: number;
+    };
+};
+export type AppliedDiscount = 'none' | 'nfp' | 'ppp';
+export interface Quote {
+    founderMonths: number;
+    tier: string;
+    rate: number;
+    baseAnnual: number;
+    annual: number;
+    retailAnnual: number;
+    savings: number;
+    appliedDiscount: AppliedDiscount;
+    pppDiscountNominal: number | null;
+    pppDiscountEffective: number | null;
+    floorActive: boolean;
+    perFmRate: number;
+}
+export declare const RETAIL_PER_FM: number;
+export interface QuoteOptions {
+    nfp?: boolean;
+    pppDiscount?: number | null;
+    marginFloorPerFm?: number;
+}
+export declare function quote(fm: number, opts?: QuoteOptions): Quote;
+export declare const ACADEMY_CERT_ONETIME = 0;
+export declare const ACADEMY_RECURRING_MONTHLY = 99;
+export type AcademyWaive = 'none' | 'cert' | 'all';
+export interface AcademyLine {
+    seats: number;
+    months: number;
+    nominalCents: number;
+    waive: AcademyWaive;
+    amountCents: number;
+    amountLabel: string | null;
+}
+export declare function academyLine(coachSeats: number, programMonths: number, opts?: {
+    waive?: AcademyWaive;
+}): AcademyLine;
+export interface OrgQuote extends Quote {
+    coach: {
+        monthly: number;
+        months: number;
+        cost: number;
+    };
+    grandTotal: number;
+}
+export declare function orgQuote(fm: number, opts?: QuoteOptions & {
+    coachSeats?: number;
+    coachMonths?: number;
+}): OrgQuote;
+export declare function formatCurrency(n: number): string;
+export declare const COACH_CREDIT_MONTHLY = 115;
+export interface CoachCreditLine {
+    coachMonths: number;
+    monthly: number;
+    amountCents: number;
+    credits: number;
+}
+export declare function coachCreditLine(coachSeats: number, programMonths: number): CoachCreditLine;
+export interface BalanceTier {
+    seatsPaid: number;
+    fmPerSeat: number;
+    used: number;
+}
+export interface BalanceCredit {
+    unusedSeats: number;
+    unusedFm: number;
+    paidFm: number;
+    pct: number;
+    amountCents: number;
+    label: string;
+}
+export declare function balanceCredit(input: {
+    tiers: BalanceTier[];
+    prepaidUsd: number;
+}): BalanceCredit;
+export interface CohortPhase {
+    label: string;
+    seats: number;
+    months: number;
+}
+export interface FounderPhaseLine {
+    label: string;
+    fm: number;
+    credits: number;
+    amountCents: number;
+    rateLabel: string;
+    spansTier: boolean;
+}
+export declare function allocateFounderPhases(phases: CohortPhase[]): FounderPhaseLine[];
+export type DealLine = {
+    key: string;
+    label: string;
+    qty?: number;
+    qtyLabel?: string;
+    rateLabel?: string;
+    credits?: number;
+    amountCents: number;
+    amountLabel?: string | null;
+};
+export interface DealQuote {
+    lines: DealLine[];
+    subtotalCents: number;
+    amountCents: number;
+    poolCredits: number;
+}
+export interface DealQuoteInput {
+    phases: CohortPhase[];
+    coachSeats: number;
+    programMonths: number;
+    academyWaive?: AcademyWaive;
+    adjustments?: {
+        label: string;
+        amountCents: number;
+        credits?: number;
+    }[];
+    bufferCredits?: number;
+}
+export declare function dealQuote(input: DealQuoteInput): DealQuote;

package/dist/pricing.js

@@ -0,0 +1,226 @@
+// Shared pricing model for LEANSpark organization plans.
+// Single source of truth for rate cards, calculators, and quote logic.
+// Policy constant: minimum revenue per founder-month required to keep ~80%
+// gross margin at current Claude API + Stripe-fee cost mix (~$5/fm). The
+// margin floor caps how deep PPP can discount any individual quote. Raise to
+// $30 if API pricing rises ~50%. Reviewed quarterly.
+export const MARGIN_FLOOR_PER_FM = 25;
+export const PRICING = {
+    currency: 'USD',
+    creditsPerFounderMonth: 500,
+    retailPerCredit: 0.25,
+    tiers: [
+        // Marginal rates (each rate applies only to fm within that tier).
+        // Calibrated so effective prices match the prior flat-tier model at the
+        // two most-trafficked anchors (100 fm and 500 fm); higher volumes drift
+        // monotonically — slightly higher at 1,000 fm, materially lower at 2,000+.
+        { name: 'pilot', minFm: 0, maxFm: 99, rate: 115, nfpRate: 95 },
+        { name: 'studio', minFm: 100, maxFm: 499, rate: 90, nfpRate: 70 },
+        { name: 'growth', minFm: 500, maxFm: 999, rate: 50, nfpRate: 35 },
+        { name: 'scale', minFm: 1000, maxFm: 1999, rate: 40, nfpRate: 30 },
+        { name: 'enterprise', minFm: 2000, maxFm: null, rate: 35, nfpRate: 25 },
+    ],
+    activities: {
+        bmd: { fm: 1, label: 'Business model design (one-time)' },
+        validationMonth: { fm: 1, label: 'Validation (per founder-month)' },
+        applicationScreen: { fm: 1, label: 'Applicant screening (full BMD)' },
+    },
+    validityMonths: { default: 12, scale: 18 },
+};
+// True retail anchor for the "below retail" savings line: the individual-founder
+// per-credit rate × credits-per-fm. This is the price a single founder pays
+// for the same fm of usage outside an org contract. Org tiers (including pilot)
+// always sit below this, so savings are non-zero even at the smallest buy.
+export const RETAIL_PER_FM = PRICING.retailPerCredit * PRICING.creditsPerFounderMonth;
+function marginalAnnual(fm, nfp) {
+    let annual = 0;
+    let topTier = PRICING.tiers[0];
+    for (const tier of PRICING.tiers) {
+        const tierMin = tier.minFm;
+        const tierMaxExclusive = tier.maxFm === null ? Infinity : tier.maxFm + 1;
+        const fmInTier = Math.max(0, Math.min(fm, tierMaxExclusive) - tierMin);
+        if (fmInTier > 0) {
+            annual += fmInTier * (nfp ? tier.nfpRate : tier.rate);
+            topTier = tier;
+        }
+    }
+    return { annual, topTier };
+}
+// Marginal pricing: each tier rate applies only to the founder-months *within*
+// that tier, like income-tax brackets. Eliminates pricing cliffs at tier
+// boundaries where flat-tier pricing could cause "buy more, pay less" inversions.
+//
+// NFP and PPP are evaluated separately and the cheaper of the two wins —
+// they don't stack. The margin floor caps how deep any discount can cut.
+export function quote(fm, opts = {}) {
+    const safeFm = Math.max(0, Math.round(fm));
+    const floor = opts.marginFloorPerFm ?? MARGIN_FLOOR_PER_FM;
+    const floorAnnual = safeFm * floor;
+    const fp = marginalAnnual(safeFm, false);
+    const baseAnnual = fp.annual;
+    const candidates = [
+        { kind: 'none', annual: baseAnnual, topTier: fp.topTier },
+    ];
+    if (opts.nfp) {
+        const nfp = marginalAnnual(safeFm, true);
+        candidates.push({ kind: 'nfp', annual: Math.max(floorAnnual, nfp.annual), topTier: nfp.topTier });
+    }
+    let pppDiscountEffective = null;
+    let floorActive = false;
+    if (opts.pppDiscount && opts.pppDiscount > 0) {
+        const pppRaw = baseAnnual * (1 - opts.pppDiscount / 100);
+        const pppCapped = Math.max(floorAnnual, pppRaw);
+        floorActive = pppCapped > pppRaw;
+        pppDiscountEffective = baseAnnual > 0
+            ? Math.round((1 - pppCapped / baseAnnual) * 100)
+            : 0;
+        candidates.push({ kind: 'ppp', annual: pppCapped, topTier: fp.topTier });
+    }
+    // Pick the lowest-priced candidate; ties break toward earlier entries which
+    // means "none" beats "nfp" beats "ppp" — preserving the simplest narrative
+    // when discounts don't actually save anything.
+    const winner = candidates.reduce((best, c) => (c.annual < best.annual ? c : best), candidates[0]);
+    const topRate = winner.kind === 'nfp' ? winner.topTier.nfpRate : winner.topTier.rate;
+    const retailAnnual = safeFm * RETAIL_PER_FM;
+    const annual = Math.round(winner.annual);
+    return {
+        founderMonths: safeFm,
+        tier: winner.topTier.name,
+        rate: topRate,
+        baseAnnual: Math.round(baseAnnual),
+        annual,
+        retailAnnual: Math.round(retailAnnual),
+        savings: Math.max(0, Math.round(retailAnnual - annual)),
+        appliedDiscount: winner.kind,
+        pppDiscountNominal: opts.pppDiscount && opts.pppDiscount > 0 ? opts.pppDiscount : null,
+        pppDiscountEffective: winner.kind === 'ppp' ? pppDiscountEffective : null,
+        floorActive: winner.kind === 'ppp' && floorActive,
+        perFmRate: safeFm > 0 ? annual / safeFm : 0,
+    };
+}
+// ---------- Academy seat (cert + recurring, with waive modes) ----------
+// Org deals add Certified Coach (Academy) seats on top of founder-months.
+// The seat splits into a one-time certification fee and a recurring monthly
+// fee, both per seat. Waive modes cover grandfathered cohorts (cert waived,
+// recurring still billed) and legacy sponsored cohorts like NEC-X (both
+// waived, $0, but the nominal value is preserved for reporting/quotes).
+export const ACADEMY_CERT_ONETIME = 0; // per seat, one-time  — REQUIRED: set to Ash's value
+export const ACADEMY_RECURRING_MONTHLY = 99; // per seat/month      — REQUIRED: set to Ash's value
+export function academyLine(coachSeats, programMonths, opts = {}) {
+    const seats = Math.max(0, Math.round(coachSeats));
+    const months = Math.max(0, Math.round(programMonths));
+    const waive = opts.waive ?? 'none';
+    const certCents = seats * ACADEMY_CERT_ONETIME * 100;
+    const recurCents = seats * ACADEMY_RECURRING_MONTHLY * months * 100;
+    const nominalCents = certCents + recurCents;
+    const amountCents = waive === 'all' ? 0 : waive === 'cert' ? recurCents : nominalCents;
+    const amountLabel = waive === 'all' ? 'waived' : null;
+    return { seats, months, nominalCents, waive, amountCents, amountLabel };
+}
+export function orgQuote(fm, opts = {}) {
+    const base = quote(fm, opts);
+    // Recurring-only: the public calculator's "N × $99/mo × Mmo" line must never
+    // absorb the one-time certification fee (ACADEMY_CERT_ONETIME). If the cert
+    // fee is later set > 0, deriving coach.cost from academyLine(...,{waive:'none'})
+    // would silently inflate this monthly figure while the label still reads
+    // "$99/mo" — so compute the recurring portion directly instead.
+    const seats = Math.max(0, Math.round(opts.coachSeats ?? 0));
+    const months = Math.max(1, Math.round(opts.coachMonths ?? 12));
+    const cost = seats * ACADEMY_RECURRING_MONTHLY * months; // recurring only, dollars — cert excluded from the monthly public view
+    const coach = { monthly: ACADEMY_RECURRING_MONTHLY, months, cost };
+    return { ...base, coach, grandTotal: base.annual + cost };
+}
+export function formatCurrency(n) {
+    return '$' + n.toLocaleString('en-US');
+}
+export const COACH_CREDIT_MONTHLY = 115;
+export function coachCreditLine(coachSeats, programMonths) {
+    const seats = Math.max(0, Math.round(coachSeats));
+    const months = Math.max(0, Math.round(programMonths));
+    const coachMonths = seats * months;
+    return {
+        coachMonths,
+        monthly: COACH_CREDIT_MONTHLY,
+        amountCents: coachMonths * COACH_CREDIT_MONTHLY * 100,
+        credits: coachMonths * PRICING.creditsPerFounderMonth,
+    };
+}
+export function balanceCredit(input) {
+    let unusedSeats = 0, unusedFm = 0, paidFm = 0;
+    for (const t of input.tiers) {
+        const unused = Math.max(0, t.seatsPaid - t.used);
+        unusedSeats += unused;
+        unusedFm += unused * t.fmPerSeat;
+        paidFm += t.seatsPaid * t.fmPerSeat;
+    }
+    const ratio = paidFm > 0 ? unusedFm / paidFm : 0;
+    const pct = ratio * 100;
+    // Guard against a signed zero (-0) leaking into the UI as "-$0" when ratio is 0.
+    const amountCents = ratio > 0 ? -Math.round(input.prepaidUsd * ratio * 100) : 0;
+    const label = `${unusedFm} unused founder-months (${(Math.round(pct * 100) / 100)}%)`;
+    return { unusedSeats, unusedFm, paidFm, pct, amountCents, label };
+}
+// Marginal cost of the fm interval [from, from+len) walked up the for-profit ladder.
+function marginalInterval(from, len) {
+    let cents = 0;
+    const tiers = new Set();
+    for (const t of PRICING.tiers) {
+        const lo = Math.max(from, t.minFm);
+        const hi = Math.min(from + len, t.maxFm === null ? Infinity : t.maxFm + 1);
+        const span = Math.max(0, hi - lo);
+        if (span > 0) {
+            cents += span * t.rate * 100;
+            tiers.add(t.name);
+        }
+    }
+    return { cents, tiers };
+}
+// For-profit marginal rates only. NFP/PPP are not applied to cohort-phase pricing (deferred follow-up).
+export function allocateFounderPhases(phases) {
+    let cursor = 0;
+    return phases.map(p => {
+        const fm = Math.max(0, Math.round(p.seats * p.months));
+        const { cents, tiers } = marginalInterval(cursor, fm);
+        cursor += fm;
+        const spansTier = tiers.size > 1;
+        const blendedPerMo = fm > 0 ? Math.round(cents / 100 / fm) : 0;
+        return {
+            label: p.label, fm,
+            credits: fm * PRICING.creditsPerFounderMonth,
+            amountCents: cents,
+            rateLabel: spansTier ? `~$${blendedPerMo}/founder-mo (blended)` : `$${blendedPerMo}/founder-mo`,
+            spansTier,
+        };
+    });
+}
+// For-profit marginal rates only. NFP/PPP are not applied to cohort-phase pricing (deferred follow-up).
+export function dealQuote(input) {
+    const lines = [];
+    const founderRows = allocateFounderPhases(input.phases);
+    founderRows.forEach((r, i) => {
+        lines.push({ key: `founder-${i}`, label: r.label, qty: r.fm, qtyLabel: 'founder-months',
+            rateLabel: r.rateLabel, credits: r.credits, amountCents: r.amountCents });
+    });
+    const coach = coachCreditLine(input.coachSeats, input.programMonths);
+    if (coach.coachMonths > 0) {
+        lines.push({ key: 'coach', label: 'Coach seats — Ask + multiplayer',
+            qty: coach.coachMonths, qtyLabel: 'coach-months', rateLabel: `$${COACH_CREDIT_MONTHLY}/coach-mo`,
+            credits: coach.credits, amountCents: coach.amountCents });
+    }
+    const academy = academyLine(input.coachSeats, input.programMonths, { waive: input.academyWaive });
+    if (academy.seats > 0) {
+        lines.push({ key: 'academy', label: 'Certified Coach — Academy + certification',
+            qty: academy.seats, qtyLabel: 'seats', amountCents: academy.amountCents,
+            amountLabel: academy.amountLabel });
+    }
+    const subtotalCents = lines.reduce((s, l) => s + l.amountCents, 0);
+    let adjCredits = 0;
+    (input.adjustments ?? []).forEach((a, i) => {
+        lines.push({ key: `adjustment-${i}`, label: a.label, amountCents: a.amountCents, credits: a.credits });
+        adjCredits += a.credits ?? 0;
+    });
+    const founderCoachCredits = founderRows.reduce((s, r) => s + r.credits, 0) + coach.credits;
+    const poolCredits = founderCoachCredits + adjCredits + (input.bufferCredits ?? 0);
+    const amountCents = lines.reduce((s, l) => s + l.amountCents, 0);
+    return { lines, subtotalCents, amountCents, poolCredits };
+}

package/package.json

@@ -0,0 +1,30 @@
+{
+  "name": "@spark59/pricing",
+  "version": "0.1.0",
+  "type": "module",
+  "exports": {
+    ".": {
+      "types": "./dist/index.d.ts",
+      "import": "./dist/index.js"
+    },
+    "./src": "./src/index.ts"
+  },
+  "files": [
+    "dist",
+    "src"
+  ],
+  "scripts": {
+    "prepare": "tsc -p tsconfig.json",
+    "build": "tsc -p tsconfig.json",
+    "test": "vitest run",
+    "test:watch": "vitest"
+  },
+  "devDependencies": {
+    "typescript": "^5.6.0",
+    "vitest": "^2.1.0",
+    "jsdom": "^25.0.0"
+  },
+  "publishConfig": {
+    "access": "public"
+  }
+}

package/src/index.ts

@@ -0,0 +1,2 @@
+export * from './pricing.js';
+export * from './personas.js';

package/src/personas.ts

@@ -0,0 +1,133 @@
+// Persona configs for the shared pricing calculator.
+//
+// Pricing is internally accounted in founder-months (single source of truth in
+// pricing.ts). Each persona declares how to *display* that pricing in its
+// buyer's native language: a primary $/unit metric, a "what this covers"
+// summary, and input labels that match how the buyer talks about their program.
+//   - Accelerator: applicants, cohorts, founders → $ per founder coached
+//   - University:  students × classes            → $ per student per class
+//   - Corporate:   seats × engagement            → $ per seat per month
+
+export type PersonaKey = 'accelerator' | 'school' | 'corporate';
+
+export interface PersonaInput {
+  key: string;
+  label: string;
+  help?: string;
+  default: number;
+  min: number;
+  max: number;
+  step: number;
+}
+
+export type Inputs = Record<string, number>;
+
+export interface Persona {
+  key: PersonaKey;
+  title: string;
+  ctaLabel: string;
+  ctaSubject: string;
+  nfpDefault: boolean;
+  inputs: PersonaInput[];
+  // Inputs → total founder-months (the internal accounting unit).
+  formula: (i: Inputs) => number;
+  // How to display the headline $/unit. `numeratorFn` defaults to the full
+  // annual price; override it when the relevant cost isn't the whole bill
+  // (e.g. accelerator: show $ per founder *coached*, excluding applicant funnel).
+  unitMetric: {
+    numeratorFn?: (i: Inputs, annual: number) => number;
+    denominatorFn: (i: Inputs) => number;
+    unitLabel: string; // singular, e.g. "founder coached", "student per class"
+  };
+  // Inputs + annual → "what this covers" bullet points.
+  summaryFn: (i: Inputs, annual: number) => string[];
+}
+
+const fmt = (n: number) => '$' + Math.round(n).toLocaleString('en-US');
+
+// Accelerator math helpers — used by both the unit metric numerator and the
+// summary breakdown, so the two stay consistent.
+function acceleratorScreenFm(i: Inputs) { return i.applicants; }
+function acceleratorCoachFm(i: Inputs) { return i.foundersCohort * i.cohorts * (1 + i.programMonths); }
+function acceleratorShare(i: Inputs, annual: number) {
+  const screenFm = acceleratorScreenFm(i);
+  const coachFm = acceleratorCoachFm(i);
+  const totalFm = screenFm + coachFm;
+  const screenShare = totalFm > 0 ? Math.round(annual * (screenFm / totalFm)) : 0;
+  return { screenFm, coachFm, screenShare, coachShare: annual - screenShare };
+}
+
+export const PERSONAS: Record<PersonaKey, Persona> = {
+  accelerator: {
+    key: 'accelerator',
+    title: 'Accelerator / Incubator',
+    ctaLabel: 'Schedule a scoping call',
+    ctaSubject: 'LEANSpark for Accelerators',
+    nfpDefault: false,
+    inputs: [
+      { key: 'applicants',     label: 'Applicants screened per year with <span class="calc-tooltip" tabindex="0" data-tooltip="Business Model Design playbooks — guided exercises (Lean Canvas, customer factory, problem interviews) that turn raw applications into structured, comparable signals so reviewers can screen at depth, not by gut.">BMD</span> playbook', default: 100, min: 0, max: 2000, step: 25 },
+      { key: 'foundersCohort', label: 'Founders per cohort',          default: 10,  min: 1, max: 200,  step: 1 },
+      { key: 'cohorts',        label: 'Cohorts per year',             default: 1,   min: 1, max: 12,   step: 1 },
+      { key: 'programMonths',  label: 'Program length (months)',      default: 4,   min: 1, max: 12,   step: 1 },
+      { key: 'coachSeats',     label: 'Certified Coach seats <span class="calc-tooltip" tabindex="0" data-tooltip="$99/seat/month — coaching certification, workshop replays, playbooks, and the cohort dashboard. Billed for the program length. Free $0 management seats and the $199 Coach Agent tier are quoted separately.">($99/mo)</span>', default: 0, min: 0, max: 100, step: 1 },
+    ],
+    formula: (i) => acceleratorScreenFm(i) + acceleratorCoachFm(i),
+    unitMetric: {
+      // Numerator = coaching share only; denominator = founders coached.
+      // Applicant funnel is surfaced separately in the summary, not blended
+      // into the $/founder headline.
+      numeratorFn: (i, annual) => acceleratorShare(i, annual).coachShare,
+      denominatorFn: (i) => Math.max(1, i.foundersCohort * i.cohorts),
+      unitLabel: 'founder coached',
+    },
+    summaryFn: (i, annual) => {
+      const { screenShare, coachShare } = acceleratorShare(i, annual);
+      return [
+        i.applicants > 0 ? `${i.applicants} applicants screened — ~${fmt(screenShare)}` : null,
+        `${i.foundersCohort * i.cohorts} founders × ${i.cohorts} cohort${i.cohorts === 1 ? '' : 's'} × ${i.programMonths} months — ~${fmt(coachShare)}`,
+        'Re-allocate credits across cohorts mid-program',
+      ].filter(Boolean) as string[];
+    },
+  },
+  school: {
+    key: 'school',
+    title: 'Schools & Universities',
+    ctaLabel: 'Talk to our education team',
+    ctaSubject: 'LEANSpark for Schools and Universities',
+    nfpDefault: true,
+    inputs: [
+      { key: 'studentsPerTerm', label: 'Students per class', default: 25, min: 1, max: 2000, step: 5 },
+      { key: 'terms',           label: 'Classes per year',   default: 2,  min: 1, max: 12,   step: 1 },
+      { key: 'coachSeats',      label: 'Certified Coach seats <span class="calc-tooltip" tabindex="0" data-tooltip="$99/seat/month — coaching certification, workshop replays, playbooks, and the cohort dashboard. Billed annually. Free $0 management seats and the $199 Coach Agent tier are quoted separately.">($99/mo)</span>', default: 0, min: 0, max: 100, step: 1 },
+    ],
+    formula: (i) => i.studentsPerTerm * i.terms,
+    unitMetric: {
+      denominatorFn: (i) => Math.max(1, i.studentsPerTerm * i.terms),
+      unitLabel: 'student per class',
+    },
+    summaryFn: (i) => [
+      `${i.studentsPerTerm} students × ${i.terms} class${i.terms === 1 ? '' : 'es'} per year`,
+      '500 credits per student (BMD playbook) — admins can raise caps for advanced students',
+    ],
+  },
+  corporate: {
+    key: 'corporate',
+    title: 'Corporate Innovation',
+    ctaLabel: 'Book an innovation-program call',
+    ctaSubject: 'LEANSpark for Corporate Innovation',
+    nfpDefault: false,
+    inputs: [
+      { key: 'seats', label: 'Number of seats', help: 'One seat = one innovator with full BMD + validation access. Fair-use cap of 500 credits/month; admins can re-allocate to power users.', default: 10, min: 1, max: 1000, step: 1 },
+    ],
+    formula: (i) => i.seats * 12,
+    unitMetric: {
+      denominatorFn: (i) => Math.max(1, i.seats * 12),
+      unitLabel: 'seat per month',
+    },
+    summaryFn: (i) => [
+      `${i.seats} seat${i.seats === 1 ? '' : 's'} × 12-month annual contract`,
+      'SSO, admin console, and cross-BU allocation reporting',
+      'Fair-use credit pool — admins can raise per-seat caps for power users',
+    ],
+  },
+};

package/src/pricing.ts

@@ -0,0 +1,372 @@
+// Shared pricing model for LEANSpark organization plans.
+// Single source of truth for rate cards, calculators, and quote logic.
+
+export interface PricingTier {
+  name: string;
+  minFm: number;
+  maxFm: number | null; // null = unbounded
+  rate: number;          // $/founder-month for-profit
+  nfpRate: number;       // $/founder-month verified non-profit
+}
+
+// Policy constant: minimum revenue per founder-month required to keep ~80%
+// gross margin at current Claude API + Stripe-fee cost mix (~$5/fm). The
+// margin floor caps how deep PPP can discount any individual quote. Raise to
+// $30 if API pricing rises ~50%. Reviewed quarterly.
+export const MARGIN_FLOOR_PER_FM = 25;
+
+export const PRICING = {
+  currency: 'USD',
+  creditsPerFounderMonth: 500,
+  retailPerCredit: 0.25,
+  tiers: [
+    // Marginal rates (each rate applies only to fm within that tier).
+    // Calibrated so effective prices match the prior flat-tier model at the
+    // two most-trafficked anchors (100 fm and 500 fm); higher volumes drift
+    // monotonically — slightly higher at 1,000 fm, materially lower at 2,000+.
+    { name: 'pilot',      minFm:    0, maxFm:    99, rate: 115, nfpRate: 95 },
+    { name: 'studio',     minFm:  100, maxFm:   499, rate:  90, nfpRate: 70 },
+    { name: 'growth',     minFm:  500, maxFm:   999, rate:  50, nfpRate: 35 },
+    { name: 'scale',      minFm: 1000, maxFm:  1999, rate:  40, nfpRate: 30 },
+    { name: 'enterprise', minFm: 2000, maxFm:  null, rate:  35, nfpRate: 25 },
+  ] as PricingTier[],
+  activities: {
+    bmd:               { fm: 1, label: 'Business model design (one-time)' },
+    validationMonth:   { fm: 1, label: 'Validation (per founder-month)' },
+    applicationScreen: { fm: 1, label: 'Applicant screening (full BMD)' },
+  },
+  validityMonths: { default: 12, scale: 18 },
+};
+
+export type AppliedDiscount = 'none' | 'nfp' | 'ppp';
+
+export interface Quote {
+  founderMonths: number;
+  tier: string;
+  rate: number;
+  // Pre-discount annual at for-profit rates. The "base" line in the breakdown.
+  baseAnnual: number;
+  // Final annual after the cheaper of {FP, NFP, PPP-discounted FP} wins,
+  // with the margin floor enforced.
+  annual: number;
+  retailAnnual: number;
+  savings: number;
+  // Which path produced `annual`. NFP and PPP are mutually exclusive — the
+  // calculator picks whichever yields the lower price for the founder, never
+  // both stacked, so the breakdown stays one-line and honest.
+  appliedDiscount: AppliedDiscount;
+  // PPP discount as requested vs. as actually applied. They differ when the
+  // margin floor binds (most often at the higher volume tiers). UI surfaces
+  // the *effective* number; the nominal stays available for tooltips.
+  pppDiscountNominal: number | null;
+  pppDiscountEffective: number | null;
+  floorActive: boolean;
+  perFmRate: number;
+}
+
+// True retail anchor for the "below retail" savings line: the individual-founder
+// per-credit rate × credits-per-fm. This is the price a single founder pays
+// for the same fm of usage outside an org contract. Org tiers (including pilot)
+// always sit below this, so savings are non-zero even at the smallest buy.
+export const RETAIL_PER_FM = PRICING.retailPerCredit * PRICING.creditsPerFounderMonth;
+
+interface MarginalResult {
+  annual: number;
+  topTier: PricingTier;
+}
+
+function marginalAnnual(fm: number, nfp: boolean): MarginalResult {
+  let annual = 0;
+  let topTier = PRICING.tiers[0];
+  for (const tier of PRICING.tiers) {
+    const tierMin = tier.minFm;
+    const tierMaxExclusive = tier.maxFm === null ? Infinity : tier.maxFm + 1;
+    const fmInTier = Math.max(0, Math.min(fm, tierMaxExclusive) - tierMin);
+    if (fmInTier > 0) {
+      annual += fmInTier * (nfp ? tier.nfpRate : tier.rate);
+      topTier = tier;
+    }
+  }
+  return { annual, topTier };
+}
+
+export interface QuoteOptions {
+  nfp?: boolean;
+  // Nominal PPP discount percentage (0–100) detected for the visitor's country.
+  // Pass `null`/`undefined` when PPP shouldn't apply (no country, declined).
+  pppDiscount?: number | null;
+  // Override the policy floor for testing or future rate moves. Defaults to
+  // MARGIN_FLOOR_PER_FM.
+  marginFloorPerFm?: number;
+}
+
+// Marginal pricing: each tier rate applies only to the founder-months *within*
+// that tier, like income-tax brackets. Eliminates pricing cliffs at tier
+// boundaries where flat-tier pricing could cause "buy more, pay less" inversions.
+//
+// NFP and PPP are evaluated separately and the cheaper of the two wins —
+// they don't stack. The margin floor caps how deep any discount can cut.
+export function quote(fm: number, opts: QuoteOptions = {}): Quote {
+  const safeFm = Math.max(0, Math.round(fm));
+  const floor = opts.marginFloorPerFm ?? MARGIN_FLOOR_PER_FM;
+  const floorAnnual = safeFm * floor;
+
+  const fp = marginalAnnual(safeFm, false);
+  const baseAnnual = fp.annual;
+
+  const candidates: Array<{ kind: AppliedDiscount; annual: number; topTier: PricingTier }> = [
+    { kind: 'none', annual: baseAnnual, topTier: fp.topTier },
+  ];
+
+  if (opts.nfp) {
+    const nfp = marginalAnnual(safeFm, true);
+    candidates.push({ kind: 'nfp', annual: Math.max(floorAnnual, nfp.annual), topTier: nfp.topTier });
+  }
+
+  let pppDiscountEffective: number | null = null;
+  let floorActive = false;
+  if (opts.pppDiscount && opts.pppDiscount > 0) {
+    const pppRaw = baseAnnual * (1 - opts.pppDiscount / 100);
+    const pppCapped = Math.max(floorAnnual, pppRaw);
+    floorActive = pppCapped > pppRaw;
+    pppDiscountEffective = baseAnnual > 0
+      ? Math.round((1 - pppCapped / baseAnnual) * 100)
+      : 0;
+    candidates.push({ kind: 'ppp', annual: pppCapped, topTier: fp.topTier });
+  }
+
+  // Pick the lowest-priced candidate; ties break toward earlier entries which
+  // means "none" beats "nfp" beats "ppp" — preserving the simplest narrative
+  // when discounts don't actually save anything.
+  const winner = candidates.reduce((best, c) => (c.annual < best.annual ? c : best), candidates[0]);
+
+  const topRate = winner.kind === 'nfp' ? winner.topTier.nfpRate : winner.topTier.rate;
+  const retailAnnual = safeFm * RETAIL_PER_FM;
+  const annual = Math.round(winner.annual);
+
+  return {
+    founderMonths: safeFm,
+    tier: winner.topTier.name,
+    rate: topRate,
+    baseAnnual: Math.round(baseAnnual),
+    annual,
+    retailAnnual: Math.round(retailAnnual),
+    savings: Math.max(0, Math.round(retailAnnual - annual)),
+    appliedDiscount: winner.kind,
+    pppDiscountNominal: opts.pppDiscount && opts.pppDiscount > 0 ? opts.pppDiscount : null,
+    pppDiscountEffective: winner.kind === 'ppp' ? pppDiscountEffective : null,
+    floorActive: winner.kind === 'ppp' && floorActive,
+    perFmRate: safeFm > 0 ? annual / safeFm : 0,
+  };
+}
+
+// ---------- Academy seat (cert + recurring, with waive modes) ----------
+// Org deals add Certified Coach (Academy) seats on top of founder-months.
+// The seat splits into a one-time certification fee and a recurring monthly
+// fee, both per seat. Waive modes cover grandfathered cohorts (cert waived,
+// recurring still billed) and legacy sponsored cohorts like NEC-X (both
+// waived, $0, but the nominal value is preserved for reporting/quotes).
+export const ACADEMY_CERT_ONETIME = 0;      // per seat, one-time  — REQUIRED: set to Ash's value
+export const ACADEMY_RECURRING_MONTHLY = 99; // per seat/month      — REQUIRED: set to Ash's value
+
+export type AcademyWaive = 'none' | 'cert' | 'all';
+export interface AcademyLine {
+  seats: number; months: number; nominalCents: number;
+  waive: AcademyWaive; amountCents: number; amountLabel: string | null;
+}
+
+export function academyLine(
+  coachSeats: number, programMonths: number, opts: { waive?: AcademyWaive } = {}
+): AcademyLine {
+  const seats = Math.max(0, Math.round(coachSeats));
+  const months = Math.max(0, Math.round(programMonths));
+  const waive = opts.waive ?? 'none';
+  const certCents = seats * ACADEMY_CERT_ONETIME * 100;
+  const recurCents = seats * ACADEMY_RECURRING_MONTHLY * months * 100;
+  const nominalCents = certCents + recurCents;
+  const amountCents =
+    waive === 'all' ? 0 : waive === 'cert' ? recurCents : nominalCents;
+  const amountLabel = waive === 'all' ? 'waived' : null;
+  return { seats, months, nominalCents, waive, amountCents, amountLabel };
+}
+
+// Public calculator composer — dollar-based, unchanged output shape.
+// Retargeted onto academyLine so the $99 Academy line has one code path.
+export interface OrgQuote extends Quote {
+  coach: { monthly: number; months: number; cost: number };
+  grandTotal: number;
+}
+export function orgQuote(
+  fm: number, opts: QuoteOptions & { coachSeats?: number; coachMonths?: number } = {}
+): OrgQuote {
+  const base = quote(fm, opts);
+  // Recurring-only: the public calculator's "N × $99/mo × Mmo" line must never
+  // absorb the one-time certification fee (ACADEMY_CERT_ONETIME). If the cert
+  // fee is later set > 0, deriving coach.cost from academyLine(...,{waive:'none'})
+  // would silently inflate this monthly figure while the label still reads
+  // "$99/mo" — so compute the recurring portion directly instead.
+  const seats = Math.max(0, Math.round(opts.coachSeats ?? 0));
+  const months = Math.max(1, Math.round(opts.coachMonths ?? 12));
+  const cost = seats * ACADEMY_RECURRING_MONTHLY * months; // recurring only, dollars — cert excluded from the monthly public view
+  const coach = { monthly: ACADEMY_RECURRING_MONTHLY, months, cost };
+  return { ...base, coach, grandTotal: base.annual + cost };
+}
+
+export function formatCurrency(n: number): string {
+  return '$' + n.toLocaleString('en-US');
+}
+
+export const COACH_CREDIT_MONTHLY = 115;
+
+export interface CoachCreditLine {
+  coachMonths: number;
+  monthly: number;
+  amountCents: number;
+  credits: number;
+}
+
+export function coachCreditLine(coachSeats: number, programMonths: number): CoachCreditLine {
+  const seats = Math.max(0, Math.round(coachSeats));
+  const months = Math.max(0, Math.round(programMonths));
+  const coachMonths = seats * months;
+  return {
+    coachMonths,
+    monthly: COACH_CREDIT_MONTHLY,
+    amountCents: coachMonths * COACH_CREDIT_MONTHLY * 100,
+    credits: coachMonths * PRICING.creditsPerFounderMonth,
+  };
+}
+
+// ---------- Unused-balance credit helper (fm-based) ----------
+// Computes the credit due for unused founder-months from a prepaid engagement.
+// Unlike seats-based credits, this calculates on actual founder-month allocation
+// per tier, respecting the fmPerSeat multiplier for each validation/selection tier.
+export interface BalanceTier { seatsPaid: number; fmPerSeat: number; used: number; }
+export interface BalanceCredit {
+  unusedSeats: number; unusedFm: number; paidFm: number;
+  pct: number; amountCents: number; label: string;
+}
+
+export function balanceCredit(input: { tiers: BalanceTier[]; prepaidUsd: number }): BalanceCredit {
+  let unusedSeats = 0, unusedFm = 0, paidFm = 0;
+  for (const t of input.tiers) {
+    const unused = Math.max(0, t.seatsPaid - t.used);
+    unusedSeats += unused;
+    unusedFm += unused * t.fmPerSeat;
+    paidFm += t.seatsPaid * t.fmPerSeat;
+  }
+  const ratio = paidFm > 0 ? unusedFm / paidFm : 0;
+  const pct = ratio * 100;
+  // Guard against a signed zero (-0) leaking into the UI as "-$0" when ratio is 0.
+  const amountCents = ratio > 0 ? -Math.round(input.prepaidUsd * ratio * 100) : 0;
+  const label = `${unusedFm} unused founder-months (${(Math.round(pct * 100) / 100)}%)`;
+  return { unusedSeats, unusedFm, paidFm, pct, amountCents, label };
+}
+
+// ---------- Accelerator cohort phases (marginal allocation across phases) ----------
+// A cohort program (e.g. NEC-X) runs founders through sequential phases —
+// Selection, then Validation — each with its own seat count and duration.
+// Phases are allocated marginal cost in input order against the same
+// founder-tier ladder `quote()` uses, so a program that crosses a tier
+// boundary mid-phase (e.g. phase 2 starts at fm 90 and ends at fm 110) gets
+// a blended per-fm rate for that phase rather than a single tier's rate.
+export interface CohortPhase { label: string; seats: number; months: number; }
+export interface FounderPhaseLine {
+  label: string; fm: number; credits: number;
+  amountCents: number; rateLabel: string; spansTier: boolean;
+}
+
+// Marginal cost of the fm interval [from, from+len) walked up the for-profit ladder.
+function marginalInterval(from: number, len: number): { cents: number; tiers: Set<string> } {
+  let cents = 0; const tiers = new Set<string>();
+  for (const t of PRICING.tiers) {
+    const lo = Math.max(from, t.minFm);
+    const hi = Math.min(from + len, t.maxFm === null ? Infinity : t.maxFm + 1);
+    const span = Math.max(0, hi - lo);
+    if (span > 0) { cents += span * t.rate * 100; tiers.add(t.name); }
+  }
+  return { cents, tiers };
+}
+
+// For-profit marginal rates only. NFP/PPP are not applied to cohort-phase pricing (deferred follow-up).
+export function allocateFounderPhases(
+  phases: CohortPhase[]
+): FounderPhaseLine[] {
+  let cursor = 0;
+  return phases.map(p => {
+    const fm = Math.max(0, Math.round(p.seats * p.months));
+    const { cents, tiers } = marginalInterval(cursor, fm);
+    cursor += fm;
+    const spansTier = tiers.size > 1;
+    const blendedPerMo = fm > 0 ? Math.round(cents / 100 / fm) : 0;
+    return {
+      label: p.label, fm,
+      credits: fm * PRICING.creditsPerFounderMonth,
+      amountCents: cents,
+      rateLabel: spansTier ? `~$${blendedPerMo}/founder-mo (blended)` : `$${blendedPerMo}/founder-mo`,
+      spansTier,
+    };
+  });
+}
+
+// ---------- dealQuote (render-complete composer) ----------
+// Assembles founder phases + coach seats + academy + ad-hoc adjustments
+// (workshops, balance credits, etc.) into an ordered set of integer-cent
+// lines a quote/invoice UI can render directly, plus the true payable total
+// and the credit pool the deal provisions. This is the top-level entry point
+// consumers should call for a full org deal quote.
+export type DealLine = {
+  key: string; label: string; qty?: number; qtyLabel?: string;
+  rateLabel?: string; credits?: number; amountCents: number; amountLabel?: string | null;
+};
+export interface DealQuote {
+  lines: DealLine[];
+  subtotalCents: number;
+  amountCents: number;
+  poolCredits: number;
+}
+export interface DealQuoteInput {
+  phases: CohortPhase[]; coachSeats: number; programMonths: number;
+  academyWaive?: AcademyWaive;
+  adjustments?: { label: string; amountCents: number; credits?: number }[];
+  bufferCredits?: number;
+}
+
+// For-profit marginal rates only. NFP/PPP are not applied to cohort-phase pricing (deferred follow-up).
+export function dealQuote(input: DealQuoteInput): DealQuote {
+  const lines: DealLine[] = [];
+
+  const founderRows = allocateFounderPhases(input.phases);
+  founderRows.forEach((r, i) => {
+    lines.push({ key: `founder-${i}`, label: r.label, qty: r.fm, qtyLabel: 'founder-months',
+      rateLabel: r.rateLabel, credits: r.credits, amountCents: r.amountCents });
+  });
+
+  const coach = coachCreditLine(input.coachSeats, input.programMonths);
+  if (coach.coachMonths > 0) {
+    lines.push({ key: 'coach', label: 'Coach seats — Ask + multiplayer',
+      qty: coach.coachMonths, qtyLabel: 'coach-months', rateLabel: `$${COACH_CREDIT_MONTHLY}/coach-mo`,
+      credits: coach.credits, amountCents: coach.amountCents });
+  }
+
+  const academy = academyLine(input.coachSeats, input.programMonths, { waive: input.academyWaive });
+  if (academy.seats > 0) {
+    lines.push({ key: 'academy', label: 'Certified Coach — Academy + certification',
+      qty: academy.seats, qtyLabel: 'seats', amountCents: academy.amountCents,
+      amountLabel: academy.amountLabel });
+  }
+
+  const subtotalCents = lines.reduce((s, l) => s + l.amountCents, 0);
+
+  let adjCredits = 0;
+  (input.adjustments ?? []).forEach((a, i) => {
+    lines.push({ key: `adjustment-${i}`, label: a.label, amountCents: a.amountCents, credits: a.credits });
+    adjCredits += a.credits ?? 0;
+  });
+
+  const founderCoachCredits = founderRows.reduce((s, r) => s + r.credits, 0) + coach.credits;
+  const poolCredits = founderCoachCredits + adjCredits + (input.bufferCredits ?? 0);
+  const amountCents = lines.reduce((s, l) => s + l.amountCents, 0);
+
+  return { lines, subtotalCents, amountCents, poolCredits };
+}