aiox-core 5.0.4 → 5.0.7

package/pro/squads/hormozi/docs/sops/ltv-squad-blueprint.yaml

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+# LTV Squad Blueprint
+# Pattern: HO-SB-001 (Hormozi Squad Blueprint Standard)
+# Source: $100M Money Models - Alex Hormozi
+# Version: 1.0.0
+# Generated: 2026-02-10
+
+squad:
+  name: ltv-maximizer
+  purpose: "Maximize Lifetime Value through sequential offer architecture that recovers CAC in 30 days and achieves LTGP:CAC of 3:1+"
+  domain: revenue-operations
+  source_playbook: "$100M Money Models"
+
+  core_equation: |
+    L30 = (P1 x C1) + Sum(Un x Cn x Vn) - CAC - COGS
+
+    Target: Lucro 30 dias > 3x CAC
+    Impact: Transform break-even to 3:1+ LTGP:CAC
+
+  health_thresholds:
+    ltgp_cac:
+      excellent: ">3:1"
+      optimize: "2-3:1"
+      critical: "<2:1"
+    cac_recovery:
+      healthy: "<30 days"
+      warning: "30-60 days"
+      critical: ">60 days"
+    churn:
+      exceptional: "<5%"
+      acceptable: "5-10%"
+      critical: ">10%"
+
+# ===============================================================================
+# TIER STRUCTURE
+# ===============================================================================
+
+tier_structure:
+  orchestrator:
+    - agent: money-model-coordinator
+      role: "Orchestrate the GMMM framework and optimize 30-day profitability"
+      decisions:
+        - "Route offers through appropriate stage"
+        - "Identify bottlenecks in offer sequence"
+        - "Trigger health check interventions"
+        - "Escalate broken unit economics"
+      kpis:
+        - "LTGP:CAC ratio"
+        - "30-day CAC recovery"
+        - "Monthly churn rate"
+        - "Offer sequence conversion"
+
+  tier_0_diagnosis:
+    - agent: unit-economics-auditor
+      role: "Calculate and monitor LTGP:CAC, 30-day profitability, churn"
+      inputs:
+        - "CAC data"
+        - "Average ticket"
+        - "Conversion rates by stage"
+        - "Churn by billing frequency"
+      outputs:
+        - "Health check score (Excellent/Optimize/Critical)"
+        - "Broken stage identification"
+        - "Recommended intervention"
+
+    - agent: offer-sequence-mapper
+      role: "Map current offer sequence and identify gaps"
+      inputs:
+        - "Existing offers inventory"
+        - "Conversion data by offer"
+        - "Problem-solution chains"
+      outputs:
+        - "Offer sequence diagram"
+        - "Missing offer types"
+        - "Optimization opportunities"
+
+  tier_1_execution:
+    - agent: attraction-architect
+      role: "Design and execute Stage I Attraction Offers"
+      specialization: "GET MONEY - Cover CAC + COGS in 30 days"
+      offer_types:
+        - type: "Win Your Money Back"
+          use_case: "Business requires client effort"
+          conversion_target: "2-3x baseline"
+        - type: "Giveaway"
+          use_case: "Have authority/audience"
+          conversion_target: "40-70% of losers"
+        - type: "Decoy Offer"
+          use_case: "Universal - contrast selling"
+          conversion_target: "70-85% premium"
+        - type: "Buy X Get Y"
+          use_case: "Physical products, services"
+          conversion_target: "5x volume"
+        - type: "Pay Less Now/Later"
+          use_case: "Tickets >$500"
+          conversion_target: "60% pay now"
+
+    - agent: upsell-engineer
+      role: "Design and execute Stage II Upsell Offers"
+      specialization: "MORE MONEY - Maximize 30-day profit"
+      offer_types:
+        - type: "Classic Upsell"
+          framework: "You can't have X without Y"
+          target: "30-50% acceptance"
+        - type: "Menu Upsell"
+          framework: "Unsell -> Prescribe -> A/B -> Card on File"
+          target: "80%+ conversion"
+        - type: "Anchor Upsell"
+          framework: "Premium first -> Gasp -> Rescue -> Main"
+          target: "10-20% premium, 60% main"
+        - type: "Rollover Upsell"
+          framework: "Credit previous purchase toward next"
+          target: "20% acceptance"
+
+    - agent: downsell-specialist
+      role: "Design and execute Stage III Downsell Offers"
+      specialization: "Turn No's into Yes's"
+      offer_types:
+        - type: "Payment Plan"
+          framework: "7-step progressive reduction"
+          target: "30-50% recovery"
+        - type: "Trial with Penalty"
+          framework: "Free if terms met, pay if not"
+          target: "Double customers"
+        - type: "Feature Downsell"
+          framework: "Remove feature -> lower price -> 'What about now?'"
+          target: "2-3x close rate"
+
+    - agent: continuity-architect
+      role: "Design and execute Stage IV Continuity Offers"
+      specialization: "MAX MONEY - Predictable recurring revenue"
+      offer_types:
+        - type: "Continuity Bonus"
+          framework: "Amazing bonus for subscribing today"
+          target: "2x+ membership conversion"
+        - type: "Continuity Discount"
+          framework: "Free time with commitment"
+          target: "45% LTV lift"
+        - type: "Waived Fee"
+          framework: "Setup fee with m2m OR waived with annual"
+          target: "85% choose commitment"
+
+  tier_2_judgment:
+    - agent: ltv-optimizer
+      role: "Continuous optimization of offer sequence for maximum LTV"
+      inputs:
+        - "Conversion data by offer"
+        - "LTV cohort analysis"
+        - "Churn patterns"
+        - "A/B test results"
+      outputs:
+        - "Offer sequence recommendations"
+        - "Price optimization suggestions"
+        - "Timing adjustments"
+
+    - agent: churn-hunter
+      role: "Identify and prevent churn before it happens"
+      triggers:
+        - "Usage drop >50%"
+        - "Missed payment"
+        - "Support complaint"
+        - "Billing frequency mismatch"
+      techniques:
+        - "Rollover upsell as save offer"
+        - "Feature downsell before cancel"
+        - "Cause-based cancellation penalty"
+        - "Billing frequency optimization"
+
+    - agent: cash-flow-guardian
+      role: "Ensure 30-day CAC recovery across all offer combinations"
+      responsibilities:
+        - "Track 30-day profitability by acquisition channel"
+        - "Alert when CAC recovery >30 days"
+        - "Recommend offer sequence adjustments"
+        - "Model cash flow scenarios"
+      mantras:
+        - "30 days or death"
+        - "Math doesn't lie"
+        - "Cash flow > Revenue"
+
+# ===============================================================================
+# AGENT DEFINITIONS
+# ===============================================================================
+
+agents:
+  money-model-coordinator:
+    id: money-model-coordinator
+    title: "Money Model Orchestrator"
+    tier: orchestrator
+    icon: "$"
+
+    purpose: |
+      Coordinate the GMMM framework to maximize 30-day profitability.
+      Ensure offers flow efficiently from Attraction -> Upsell -> Downsell -> Continuity.
+
+    core_frameworks:
+      - name: "GMMM"
+        stages: ["Get Money", "More Money", "Max Money"]
+      - name: "4 Pillars"
+        components: ["30-Day Profit", "Problem-Solution", "Value Anchoring", "Zero Friction"]
+      - name: "D.I.E. Framework"
+        steps: ["Diagnose", "Implement", "Evaluate"]
+
+    decision_authority:
+      - "Offer sequence routing"
+      - "Health check intervention triggers"
+      - "Stage priority allocation"
+      - "Escalation to human review"
+
+    inputs:
+      - "CAC by channel"
+      - "Conversion rates by stage"
+      - "Current 30-day profitability"
+      - "Churn rate and patterns"
+
+    outputs:
+      - "Stage priority recommendations"
+      - "Offer sequence optimization"
+      - "Health check reports"
+      - "Intervention alerts"
+
+    success_metrics:
+      primary:
+        - name: "LTGP:CAC Ratio"
+          target: ">3:1"
+          calculation: "Lifetime Gross Profit / Customer Acquisition Cost"
+        - name: "30-Day CAC Recovery"
+          target: "<30 days"
+      secondary:
+        - "Churn < 5% monthly"
+        - "Upsell acceptance > 30%"
+        - "Downsell recovery > 40%"
+        - "Continuity adoption > 60%"
+
+  unit-economics-auditor:
+    id: unit-economics-auditor
+    title: "Unit Economics Analyst"
+    tier: tier_0
+    icon: "🔢"
+
+    purpose: |
+      Calculate and monitor unit economics health.
+      Identify broken stages before they kill cash flow.
+
+    health_check_system:
+      ltgp_cac:
+        excellent:
+          threshold: ">3:1"
+          action: "Scale aggressively. Invest every cent in acquisition."
+        optimize:
+          threshold: "2-3:1"
+          action: "Add 2+ offers to sequence. Missing upsells or weak continuity."
+        critical:
+          threshold: "<2:1"
+          action: "STOP AND FIX. Redesign offer sequence before spending on marketing."
+
+      cac_recovery:
+        healthy:
+          threshold: "<30 days"
+          action: "Use credit card as infinite working capital. Keep scaling."
+        critical:
+          threshold: ">30 days"
+          action: "BANKRUPTCY RISK. 82% of businesses die from cash flow, not customers."
+
+      churn:
+        exceptional:
+          threshold: "<5%"
+          action: "Strong product, strong delivery. Focus on acquisition and upsells."
+        acceptable:
+          threshold: "5-10%"
+          action: "Consider waived fee and continuity bonus to reduce."
+        critical:
+          threshold: ">10%"
+          action: "PRODUCT PROBLEM. No point optimizing Money Model if product doesn't deliver."
+
+    data_sources:
+      - "Ad platform spend data"
+      - "CRM conversion data"
+      - "Payment processor data"
+      - "Subscription management data"
+
+    outputs:
+      - "Health check score"
+      - "Broken stage identification"
+      - "Benchmark comparison"
+      - "Trend analysis"
+
+  offer-sequence-mapper:
+    id: offer-sequence-mapper
+    title: "Offer Sequence Architect"
+    tier: tier_0
+    icon: "🗺️"
+
+    purpose: |
+      Map the complete offer sequence and identify gaps.
+      Every solution creates a problem - map them all.
+
+    mapping_dimensions:
+      stage_coverage:
+        attraction: "How do we get first payment?"
+        upsell: "What do we offer next?"
+        downsell: "What if they say no?"
+        continuity: "How do we keep them paying?"
+
+      problem_solution_chain:
+        method: "For each solution, list 10 problems it creates"
+        output: "Natural upsell opportunities"
+
+      conversion_gaps:
+        analyze: "Where are we losing customers?"
+        benchmark: "What should conversion be at each stage?"
+
+    outputs:
+      - "Visual offer sequence diagram"
+      - "Problem-solution chain map"
+      - "Gap analysis report"
+      - "Priority recommendations"
+
+  attraction-architect:
+    id: attraction-architect
+    title: "Attraction Offer Specialist"
+    tier: tier_1
+    icon: "🧲"
+
+    purpose: |
+      Design attraction offers that cover CAC + COGS in 30 days.
+      Transform strangers into paying customers.
+
+    offer_toolkit:
+      win_your_money_back:
+        formula: |
+          INVESTMENT (100% refundable)
+          + CLEAR CRITERIA
+          + DEFINED TIMEFRAME
+          = ZERO PERCEIVED RISK
+          = 2-3x MORE CONVERSIONS
+
+        criteria_models:
+          results_based: "Lose X pounds in Y weeks"
+          actions_based: "Attend 100% sessions, complete 100% tasks"
+          hybrid: "Mandatory actions (70%) + Minimum result (30%)"
+
+        credit_options:
+          immediate: "100% applied to next purchase"
+          distributed: "$600 earned = $50/month for 12 months"
+          client_choice: "Full now OR distributed"
+
+        numbers:
+          typical_refund_rate: "10%"
+          continuity_conversion: "70%"
+          roi_example: "4.2:1 LTGP:CAC in 30 days"
+
+      giveaway:
+        formula: |
+          GRAND PRIZE (what you want to sell)
+          + PARTIAL SCHOLARSHIP (70-90% perceived discount)
+          + MAGIC QUESTION ("Why do you deserve to win?")
+          = 40-70% CONVERSION
+
+        loser_script: |
+          "Hi [Name], first CONGRATS! Your answers were SO GOOD I got you a
+          partial scholarship of $[X]! Normally $[full], with scholarship just
+          $[real price]. Need answer by [tomorrow], only [3] partial scholarships."
+
+        hacks:
+          double_winner: "If someone you referred wins, you also win!"
+          economist_play: "A ($59), B ($125), A+B ($125)"
+
+      decoy:
+        formula: |
+          STRIPPED-DOWN FREE/CHEAP VERSION
+          vs
+          LOADED PREMIUM VERSION
+          = PREMIUM LOOKS OBVIOUS
+
+        construction:
+          decoy: "Core function only. Cost + 10% margin."
+          premium: "Everything. 1-on-1, guarantee, all bonuses. 3-5x decoy."
+
+        presentation_script: |
+          "Are you here for free stuff or lasting results?"
+          "BASIC $497: [minimalist] - You're on your own."
+          "PREMIUM $1,997: [impressive] - We guarantee your success."
+          "Which gets you to your goal 10x faster?"
+
+      buy_x_get_y:
+        configurations:
+          low_margin: "< 30%: Buy 2, Get 1"
+          medium_margin: "30-60%: Buy 1, Get 1"
+          high_margin: "60-80%: Buy 1, Get 2"
+          very_high_margin: "> 80%: Buy 1, Get 3+"
+
+      pay_less_now_later:
+        formula: |
+          Option A (LATER): $0 today, $497 tomorrow. Zero risk. Card on file.
+          Option B (NOW): $297 today (40% less) + exclusive bonuses.
+          = 60% CHOOSE TO PAY NOW
+
+    decision_tree: |
+      BUSINESS REQUIRES CLIENT EFFORT?
+      ├─ YES → WIN YOUR MONEY BACK
+      └─ NO → TICKET > $1000?
+          ├─ YES → PAY LESS NOW/LATER
+          └─ NO → HAVE AUTHORITY?
+              ├─ YES → GIVEAWAY
+              └─ NO → BUY X GET Y
+
+      ALWAYS TEST: DECOY OFFER (works in any situation)
+
+  upsell-engineer:
+    id: upsell-engineer
+    title: "Upsell Offer Specialist"
+    tier: tier_1
+    icon: "📈"
+
+    purpose: |
+      Design upsell offers that maximize 30-day profit.
+      "You can't have X without Y"
+
+    core_principle: |
+      When an offer solves a problem, another appears.
+      You upsell the solution to the problem your offer reveals.
+
+    offer_toolkit:
+      classic_upsell:
+        formula: "You can't have X without Y"
+
+        tactics:
+          - "Most profitable upsells first"
+          - "'You don't want anything else, do you?' (No = Yes)"
+          - "Surprise and delight: give ALL bonuses even if accept early"
+          - "Hyper-buying cycle: weddings, babies, new hobbies"
+          - "Free bonuses CREATE problems that upsells solve"
+          - "Faster access = higher value = higher acceptance"
+          - "Bundle upsells and NAME them (transformation package)"
+          - "BAMFAM: Book A Meeting From A Meeting"
+          - "Integrate upsells into delivery of other offers"
+
+        examples:
+          car_rental: "car → insurance → gas → late checkout (5.2x)"
+          gym: "fitness → supplements ($5-10k/day)"
+          coat_dealer: "storage → ear protectors → $30 additional storage"
+
+      menu_upsell:
+        formula: "Unsell → Prescribe → A/B → Card on File"
+
+        components:
+          unselling:
+            description: "Tell what they DON'T need"
+            impact: "25% to 75% conversion"
+
+          prescription:
+            description: "Tell what they need, how to use, when, how much"
+            format: "Write personalized instructions as if already own"
+
+          ab_choice:
+            description: "'Chocolate or vanilla?' removes yes/no"
+            categories:
+              - "Quantity: One or two?"
+              - "Dates: Tomorrow or Monday?"
+              - "Type: Shirt or shorts?"
+              - "Colors: Black or white?"
+              - "Personnel: John or Sara?"
+              - "Times: Morning or afternoon?"
+
+          card_on_file:
+            description: "Use the card on file?"
+            impact: "40% conversion increase"
+
+        economist_play: |
+          A ($59), B ($125), A+B ($125) → 80% choose combo
+          Make C same price as most expensive single option.
+
+      anchor_upsell:
+        formula: "Premium first → Gasp → Rescue → Main offer → Payment"
+
+        steps:
+          - "Present the anchor (5-10x price)"
+          - "Wait for the gasp"
+          - "Come to rescue: 'Do you care about [premium feature]?'"
+          - "Present main offer"
+          - "Ask how they want to pay"
+
+        critical_rule: |
+          Treat anchor as REAL offer. If fake, they know. You lose trust.
+          Some WILL buy premium → massive profit.
+
+        quote: |
+          "The only thing worse than making a $1,000 offer to someone with
+          a $100 budget is making a $100 offer to someone with a $1,000 budget."
+
+      rollover_upsell:
+        formula: "Credit previous purchase toward next, bigger purchase"
+
+        situations:
+          - "REENGAGE old customers (6+ months)"
+          - "RESCUE angry customers (instead of refund)"
+          - "STEAL competitor's unhappy customers"
+          - "UPSELL current customers (distribute credit)"
+
+        pricing: "Upsell at least 4x the credit → max 25% discount"
+
+        gift_card_play: |
+          Sell $200 gift cards for $20. Limit to two per customer.
+          Only for giving to others. When they come, roll the gift card.
+          Make card value 20% of next offer price.
+          Customers PAY YOU to refer friends.
+
+  downsell-specialist:
+    id: downsell-specialist
+    title: "Downsell Recovery Specialist"
+    tier: tier_1
+    icon: "🔄"
+
+    purpose: |
+      Design downsell offers that turn No's into Yes's.
+      "No means no to THIS offer, not ALL offers."
+
+    core_rules:
+      - "No means no to THIS offer, not all offers"
+      - "Downsells are TRADES - give something, get something"
+      - "Personalize, don't pressure"
+      - "Same thing in NEW ways (100 ways, not 100 products)"
+      - "NEVER lower price of same thing - change offer with price"
+      - "Customers talk about price - consistency matters"
+
+    anti_pattern: |
+      Car salesman lowered same insurance from $5,000 to $400.
+      Destroyed trust. Customer questioned car price too.
+      RULE: Different thing for less = OK. Same thing for less = NEVER.
+
+    offer_toolkit:
+      payment_plan:
+        formula: "Progressive 7-step reduction until they buy"
+
+        steps:
+          - "Reward paying in full (price WITH interest → pre-pay = discount)"
+          - "Third-party financing / credit card / layaway"
+          - "Half now, half later (align with payday)"
+          - "CHECK: 1-10 scale. 8+ continue. 7- switch to feature downsell."
+          - "Split into three payments"
+          - "Spread evenly (ex: 16 weeks = 16 payments)"
+          - "Free trial (→ Trial with Penalty)"
+
+        seesaw_technique: |
+          "Giant monthly payments or small ones?" → "Small"
+          "Pre-pay today: massive discount + zero monthly. Works?"
+          If no: "More you put down = smaller monthly payments."
+          If still no: Pull chair to their side, show options together.
+
+        churn_data:
+          monthly: "10.7% churn/month"
+          quarterly: "5% churn/month"
+          annual: "2% churn/month"
+          rule: "Double period = halve churn. Always start high, work down."
+
+      trial_with_penalty:
+        formula: "Free IF they meet terms. Pay IF they don't."
+
+        process:
+          - "Offer trial LAST (only after main rejected)"
+          - "ALWAYS get a card ('Which card?' / 'It's how we've always done it')"
+          - "Sell staying and paying ('If this works, will you stay long-term?')"
+          - "Explain fees AFTER card (more resistance if before)"
+          - "Make check-ins MANDATORY (your upsell opportunities)"
+
+        post_trial:
+          liked_it: "Easy upsell to longer/higher-value service"
+          hated_it: "'You're right, I'm upset. Your needs suit our premium.' (50% buy)"
+          didnt_use: "Contact multiple times, waive fee if they meet you"
+
+      feature_downsell:
+        formula: "Remove feature → lower price → 'What about now?'"
+
+        guarantee_hack: |
+          Full offer $1,000 with guarantee: 25 buy
+          Remove guarantee, $600: some buy this
+          BUT many reconsider → buy FULL $1,000 because NOW they see guarantee value
+          Result: 35 full + 40 without = 75 total (was 25) → tripled close rate
+
+        what_to_remove:
+          - "Quantity, quality, service level, availability, speed"
+          - "Ratio, communication, provider, live vs recorded"
+          - "DIY vs DFY, personalization, insurance/guarantee, entire features"
+
+  continuity-architect:
+    id: continuity-architect
+    title: "Continuity Offer Specialist"
+    tier: tier_1
+    icon: "♾️"
+
+    purpose: |
+      Design continuity offers that maximize LTV with recurring payments.
+      "You can shear a sheep for its whole life, but you can only skin it once."
+
+    core_principle: |
+      Continuity alone hard to advertise profitably.
+      After attraction/upsell/downsell cover costs → continuity = predictable growth.
+
+    offer_toolkit:
+      continuity_bonus:
+        formula: "Amazing bonus for subscribing today. Bonus value > first payment."
+
+        types:
+          products: "$800 in dog toys free with $59/month dog food subscription"
+          services: "$1,000 accelerator free with $100/month membership"
+          digital: "All 40 past newsletters ($15,880) with $399/month subscription"
+
+        pricing_vs_standalone:
+          fifty_percent: "Standalone = 1.33x monthly"
+          sixty_percent: "Standalone = 1.66x monthly"
+          seventy_percent: "Standalone = 2.00x monthly"
+          eighty_percent: "Standalone = 2.33x monthly"
+          ninety_percent: "Standalone = 2.66x monthly"
+
+        bulk_upsell: |
+          Pre-paid bulk (buy 5 get 1 free)
+          1 in 8 taking this = 50% more 30-day profit
+
+        tactics:
+          - "Focus on the BONUS, not the membership"
+          - "Make bonuses from things you ALREADY have"
+          - "Physical bonus with digital, digital bonus with physical"
+          - "Titles after 3, 6, 12 months (silver, gold, diamond)"
+          - "Stack bonuses: sell benefit of each, show individual values"
+
+      continuity_discount:
+        formula: "Free time with commitment"
+
+        examples:
+          - "3 months free with 12-month commit (25% off effective)"
+          - "Buy 6 months, get 6 months free (50% off, doubles commitment)"
+
+        announcement_formats:
+          - "Percentage: 25% off"
+          - "Dollar: $300 off"
+          - "Free portion: 3 months free"
+          - "Total: 12 months for $900 (crossed $1,200)"
+
+      waived_fee:
+        formula: "Setup fee with m2m OR waived with annual commit"
+
+        structure:
+          option_a: "$5,000 setup + $1,000/month, cancel anytime"
+          option_b: "$0 setup, commit 12 months at $1,000/month"
+          early_exit: "Pay waived fee"
+          result: "85% choose commitment. Churn <5%."
+
+        why_it_works:
+          - "People START to avoid fee"
+          - "People STAY because leaving > staying"
+          - "After commitment: fee disappears forever (equitable)"
+
+        cause_based_cancellation: |
+          "What cause do you absolutely HATE?"
+          "If you cancel early, donating your fee to them."
+          Double aversion = additional 50% churn reduction.
+
+        setup:
+          duration: "12 months minimum"
+          fee: "3-5x monthly"
+          early_exit: "Pay waived fee"
+          red_flag: "If >5% want early exit → investigate product, not pricing"
+
+  ltv-optimizer:
+    id: ltv-optimizer
+    title: "LTV Optimization Specialist"
+    tier: tier_2
+    icon: "🎯"
+
+    purpose: |
+      Continuously optimize offer sequence for maximum LTV.
+      Test, measure, iterate.
+
+    optimization_areas:
+      offer_sequence:
+        - "Test different attraction offer types"
+        - "A/B test upsell timing"
+        - "Optimize downsell recovery rate"
+        - "Test continuity bonus combinations"
+
+      pricing:
+        - "Test anchor ratios (5x vs 10x)"
+        - "Optimize standalone vs continuity pricing"
+        - "Test payment plan structures"
+        - "A/B test discount percentages"
+
+      timing:
+        - "When to present each offer type"
+        - "Optimal follow-up cadence for upsells"
+        - "Best moment for continuity pitch"
+
+    measurement_framework:
+      primary:
+        - "30-day profitability by cohort"
+        - "LTGP:CAC by acquisition channel"
+        - "Offer acceptance rate by type"
+      secondary:
+        - "Upsell sequence completion rate"
+        - "Downsell recovery rate"
+        - "Continuity conversion rate"
+        - "Churn by billing frequency"
+
+  churn-hunter:
+    id: churn-hunter
+    title: "Churn Prevention Specialist"
+    tier: tier_2
+    icon: "🎯"
+
+    purpose: |
+      Identify and prevent churn before it happens.
+      Every saved customer = full LTV preserved.
+
+    churn_triggers:
+      - "Usage drop >50%"
+      - "Missed payment"
+      - "Support complaint"
+      - "Billing frequency mismatch"
+      - "No engagement for 30 days"
+
+    prevention_techniques:
+      rollover_save:
+        description: "Credit previous purchase toward renewal"
+        timing: "Before cancellation request"
+        target: "20% acceptance"
+
+      feature_downsell:
+        description: "Remove feature, lower price, keep customer"
+        timing: "At cancellation request"
+        target: "30% save rate"
+
+      cause_based_penalty:
+        description: "Donation to hated cause if cancel"
+        timing: "At signup (preventive)"
+        target: "50% additional churn reduction"
+
+      billing_optimization:
+        description: "Move to longer billing cycle"
+        timing: "Proactive for high-risk customers"
+        data: "Annual = 2% churn vs Monthly = 10.7%"
+
+    recovery_workflow:
+      - "Identify at-risk customer (trigger detected)"
+      - "Deploy appropriate save offer"
+      - "If declined, offer feature downsell"
+      - "If still declining, document feedback"
+      - "Add to win-back campaign (rollover upsell in 6 months)"
+
+  cash-flow-guardian:
+    id: cash-flow-guardian
+    title: "30-Day Cash Flow Specialist"
+    tier: tier_2
+    icon: "💰"
+
+    purpose: |
+      Ensure 30-day CAC recovery across all offer combinations.
+      "82% of businesses die from lack of cash flow, not customers."
+
+    core_mandate: |
+      If you don't recover CAC in 30 days, you're going bankrupt slowly.
+      Credit card as infinite working capital ONLY works with 30-day recovery.
+
+    monitoring:
+      daily:
+        - "New customer acquisition cost"
+        - "30-day revenue per customer"
+        - "Offer sequence conversion"
+
+      weekly:
+        - "CAC recovery trend"
+        - "LTGP:CAC ratio movement"
+        - "Cash flow projection"
+
+      monthly:
+        - "Full cohort analysis"
+        - "Channel profitability"
+        - "Offer sequence ROI"
+
+    alerts:
+      warning:
+        trigger: "CAC recovery 25-30 days"
+        action: "Review offer sequence, add upsells"
+
+      critical:
+        trigger: "CAC recovery >30 days"
+        action: "STOP acquisition, fix offer sequence"
+
+      emergency:
+        trigger: "LTGP:CAC <2:1"
+        action: "Pause all marketing, redesign Money Model"
+
+    mantras:
+      - "30 days or death"
+      - "Math doesn't lie"
+      - "Cash flow > Revenue"
+      - "Pay fast, grow fast"
+
+# ===============================================================================
+# EXECUTOR MATRIX
+# ===============================================================================
+
+executor_matrix:
+  # Stage I: Attraction
+  - task: "Design Win Your Money Back offer"
+    executor: Hybrid
+    automation: MEDIUM
+    guardrails: "Criteria must drive excellent customer behavior"
+
+  - task: "Execute Giveaway campaign"
+    executor: Hybrid
+    automation: MEDIUM
+    guardrails: "Prize must be what you want to sell next"
+
+  - task: "Create Decoy Offer structure"
+    executor: Hybrid
+    automation: MEDIUM
+    guardrails: "Premium must be 3-5x decoy price"
+
+  - task: "Configure Buy X Get Y"
+    executor: Worker
+    automation: HIGH
+    guardrails: "Match to margin profile"
+
+  - task: "Set up Pay Less Now/Later"
+    executor: Worker
+    automation: HIGH
+    guardrails: "Must get card on file"
+
+  # Stage II: Upsell
+  - task: "Identify Classic Upsell opportunities"
+    executor: Hybrid
+    automation: MEDIUM
+    guardrails: "Map problem-solution chain first"
+
+  - task: "Execute Menu Upsell"
+    executor: Human
+    automation: LOW
+    guardrails: "Follow Unsell → Prescribe → A/B → Card sequence"
+
+  - task: "Deploy Anchor Upsell"
+    executor: Human
+    automation: LOW
+    guardrails: "Premium must be real offer"
+
+  - task: "Run Rollover campaign"
+    executor: Hybrid
+    automation: MEDIUM
+    guardrails: "Offer must be 4x+ the credit"
+
+  # Stage III: Downsell
+  - task: "Execute Payment Plan downsell"
+    executor: Human
+    automation: LOW
+    guardrails: "Follow 7-step process, stop when they buy"
+
+  - task: "Deploy Trial with Penalty"
+    executor: Human
+    automation: LOW
+    guardrails: "Always get card, explain fees AFTER"
+
+  - task: "Execute Feature Downsell"
+    executor: Hybrid
+    automation: MEDIUM
+    guardrails: "Remove highest value first to trigger re-upsell"
+
+  # Stage IV: Continuity
+  - task: "Design Continuity Bonus"
+    executor: Hybrid
+    automation: MEDIUM
+    guardrails: "Bonus value > first payment"
+
+  - task: "Calculate standalone vs continuity pricing"
+    executor: Worker
+    automation: HIGH
+    guardrails: "Use pricing formula based on target %"
+
+  - task: "Implement Waived Fee structure"
+    executor: Worker
+    automation: HIGH
+    guardrails: "Fee = 3-5x monthly, 12 month minimum"
+
+  - task: "Set up Cause-Based Cancellation"
+    executor: Human
+    automation: LOW
+    guardrails: "Must be cause they genuinely hate"
+
+  # Health Check
+  - task: "Calculate LTGP:CAC ratio"
+    executor: Worker
+    automation: HIGH
+    guardrails: "Use actual numbers, not projections"
+
+  - task: "Monitor 30-day CAC recovery"
+    executor: Worker
+    automation: HIGH
+    guardrails: "Alert if >25 days"
+
+  - task: "Analyze churn by billing frequency"
+    executor: Worker
+    automation: HIGH
+    guardrails: "Segment by monthly/quarterly/annual"
+
+  - task: "Generate Health Check report"
+    executor: Worker
+    automation: HIGH
+    guardrails: "Include all three metrics with status"
+
+# ===============================================================================
+# QUALITY GATES
+# ===============================================================================
+
+quality_gates:
+  QG-001:
+    name: "Attraction Profitability Gate"
+    transition: "Attraction Offer → Live"
+    condition: "projected_30_day_profit > CAC"
+    type: blocking
+    failure_action: "Redesign offer or increase price"
+
+  QG-002:
+    name: "Upsell Relevance Gate"
+    transition: "Main Offer → Upsell"
+    condition: "upsell_solves_problem_created_by_main == true"
+    type: warning
+    failure_action: "Map problem-solution chain"
+
+  QG-003:
+    name: "Anchor Reality Gate"
+    transition: "Anchor Offer → Presentation"
+    condition: "anchor_is_real_deliverable_offer == true"
+    type: blocking
+    failure_action: "Create genuine premium offer"
+
+  QG-004:
+    name: "Downsell Trade Gate"
+    transition: "Main Offer Rejection → Downsell"
+    condition: "downsell_changes_offer_not_just_price == true"
+    type: blocking
+    failure_action: "Restructure downsell as trade"
+
+  QG-005:
+    name: "Continuity Value Gate"
+    transition: "One-time → Continuity"
+    condition: "bonus_value > first_payment"
+    type: warning
+    failure_action: "Enhance bonus package"
+
+  QG-006:
+    name: "Cash Flow Gate"
+    transition: "Weekly Review"
+    condition: "cac_recovery < 30_days"
+    type: blocking
+    failure_action: "STOP acquisition, fix offer sequence"
+
+  QG-007:
+    name: "LTGP:CAC Gate"
+    transition: "Monthly Review"
+    condition: "ltgp_cac >= 2:1"
+    type: blocking
+    failure_action: "Add offers or increase prices"
+
+  QG-008:
+    name: "Churn Health Gate"
+    transition: "Monthly Review"
+    condition: "monthly_churn < 10%"
+    type: warning
+    failure_action: "Investigate product, implement waived fee"
+
+# ===============================================================================
+# WORKFLOWS
+# ===============================================================================
+
+workflows:
+  new_customer_workflow:
+    trigger: "Lead shows interest"
+    steps:
+      - step: 1
+        agent: attraction-architect
+        action: "Present appropriate attraction offer"
+        decision_tree: |
+          Requires effort? → Win Your Money Back
+          Ticket >$1000? → Pay Less Now/Later
+          Have authority? → Giveaway
+          Default → Buy X Get Y or Decoy
+
+      - step: 2
+        agent: upsell-engineer
+        action: "Deploy Classic Upsell"
+        timing: "Immediately after acceptance"
+        script: "You can't have X without Y"
+
+      - step: 3
+        agent: upsell-engineer
+        action: "Execute Menu Upsell if applicable"
+        condition: "Multiple products available"
+
+      - step: 4
+        agent: downsell-specialist
+        action: "Deploy downsell sequence if rejection"
+        sequence: ["Payment Plan", "Trial with Penalty", "Feature Downsell"]
+
+      - step: 5
+        agent: continuity-architect
+        action: "Present continuity option"
+        timing: "After all other offers complete"
+
+      - step: 6
+        agent: cash-flow-guardian
+        action: "Calculate 30-day profitability"
+        alert_if: "CAC recovery > 30 days"
+
+  upsell_optimization_workflow:
+    trigger: "Customer completes main purchase"
+    steps:
+      - step: 1
+        agent: offer-sequence-mapper
+        action: "Identify problems created by purchase"
+        output: "Upsell opportunity list"
+
+      - step: 2
+        agent: upsell-engineer
+        action: "Select and sequence upsell offers"
+        priority: "Most profitable first"
+
+      - step: 3
+        agent: upsell-engineer
+        action: "Execute upsell sequence"
+        rule: "Continue until 'no' or sequence complete"
+
+      - step: 4
+        agent: ltv-optimizer
+        action: "Record acceptance/rejection data"
+        purpose: "Optimize future sequences"
+
+  downsell_recovery_workflow:
+    trigger: "Customer says 'no' to offer"
+    steps:
+      - step: 1
+        agent: downsell-specialist
+        action: "Assess rejection reason"
+        categories: ["Price", "Timing", "Fit", "Trust"]
+
+      - step: 2
+        agent: downsell-specialist
+        action: "Deploy Payment Plan if price objection"
+        process: "7-step progressive reduction"
+
+      - step: 3
+        agent: downsell-specialist
+        action: "Check commitment level (1-10 scale)"
+        branch_point: "8+ continue, 7- switch to Feature Downsell"
+
+      - step: 4
+        agent: downsell-specialist
+        action: "Deploy Trial with Penalty if still hesitant"
+        rule: "Card first, fees after"
+
+      - step: 5
+        agent: downsell-specialist
+        action: "Deploy Feature Downsell as final option"
+        technique: "Remove highest value feature first"
+
+  continuity_conversion_workflow:
+    trigger: "Customer eligible for continuity"
+    steps:
+      - step: 1
+        agent: continuity-architect
+        action: "Select continuity offer type"
+        options: ["Bonus", "Discount", "Waived Fee"]
+
+      - step: 2
+        agent: continuity-architect
+        action: "Present bonus/discount structure"
+        anchor: "Show standalone price first"
+
+      - step: 3
+        agent: continuity-architect
+        action: "Offer pre-paid bulk upsell"
+        timing: "Immediately after continuity acceptance"
+
+      - step: 4
+        agent: churn-hunter
+        action: "Set up churn prevention triggers"
+        monitors: ["Usage", "Payment", "Engagement"]
+
+  health_check_workflow:
+    trigger: "Weekly scheduled"
+    steps:
+      - step: 1
+        agent: unit-economics-auditor
+        action: "Calculate LTGP:CAC ratio"
+        output: "Ratio with status (Excellent/Optimize/Critical)"
+
+      - step: 2
+        agent: cash-flow-guardian
+        action: "Calculate 30-day CAC recovery"
+        output: "Days with status (Healthy/Warning/Critical)"
+
+      - step: 3
+        agent: churn-hunter
+        action: "Calculate monthly churn rate"
+        output: "Churn % with status (Exceptional/Acceptable/Critical)"
+
+      - step: 4
+        agent: money-model-coordinator
+        action: "Generate Health Check report"
+        distribution: "Leadership + relevant agents"
+
+      - step: 5
+        agent: money-model-coordinator
+        action: "Trigger interventions if needed"
+        conditions:
+          - "LTGP:CAC < 2:1 → STOP acquisition"
+          - "CAC recovery > 30 days → Fix offer sequence"
+          - "Churn > 10% → Investigate product"
+
+  churn_prevention_workflow:
+    trigger: "At-risk customer identified"
+    steps:
+      - step: 1
+        agent: churn-hunter
+        action: "Identify churn trigger"
+        triggers: ["Usage drop", "Missed payment", "Complaint"]
+
+      - step: 2
+        agent: churn-hunter
+        action: "Deploy Rollover save offer"
+        script: "Credit previous purchase toward renewal"
+
+      - step: 3
+        agent: downsell-specialist
+        action: "Deploy Feature Downsell if still declining"
+        timing: "At cancellation request"
+
+      - step: 4
+        agent: continuity-architect
+        action: "Offer billing frequency change"
+        target: "Move to longer cycle = lower churn"
+
+      - step: 5
+        agent: churn-hunter
+        action: "Add to win-back campaign if cancelled"
+        timing: "6 months, then Rollover Upsell"
+
+# ===============================================================================
+# KPIs & SUCCESS METRICS
+# ===============================================================================
+
+kpis:
+  primary:
+    ltgp_cac:
+      formula: "Lifetime Gross Profit / Customer Acquisition Cost"
+      target: ">3:1"
+      impact: "Determines scaling viability"
+
+    thirty_day_cac_recovery:
+      formula: "Days until 30-day profit > CAC"
+      target: "<30 days"
+      impact: "Enables credit card as working capital"
+
+    monthly_churn:
+      formula: "Customers lost / Total customers"
+      target: "<5%"
+      impact: "Determines LTV ceiling"
+
+  secondary:
+    offer_conversion:
+      attraction: ">25%"
+      upsell: ">30%"
+      downsell: ">40%"
+      continuity: ">60%"
+
+    thirty_day_profit:
+      ruim: "Negative"
+      medio: "= 1x CAC"
+      bom: "= 2x CAC"
+      excelente: "= 3x+ CAC"
+
+  by_stage:
+    attraction:
+      - "Conversion rate by offer type"
+      - "30-day profit margin"
+      - "CAC recovery timeline"
+
+    upsell:
+      - "Acceptance rate by type"
+      - "Average upsell value"
+      - "Sequential completion rate"
+
+    downsell:
+      - "Recovery rate (no → yes)"
+      - "Payment plan completion rate"
+      - "Trial conversion rate"
+
+    continuity:
+      - "Adoption rate"
+      - "Churn by billing frequency"
+      - "Pre-paid bulk uptake"
+
+# ===============================================================================
+# TROUBLESHOOTING
+# ===============================================================================
+
+troubleshooting:
+  - symptom: "Conversion < 10%"
+    diagnosis: "Attraction offer wrong type or price"
+    solutions:
+      - "Test different attraction offer type"
+      - "Validate problem-solution fit"
+      - "Check price anchoring"
+
+  - symptom: "Upsell < 20%"
+    diagnosis: "Wrong timing or irrelevant offer"
+    solutions:
+      - "Verify problem-solution chain"
+      - "Move to different moment"
+      - "Improve value articulation"
+
+  - symptom: "Downsell < 30%"
+    diagnosis: "Still too expensive or complex"
+    solutions:
+      - "Add more payment plan steps"
+      - "Simplify feature downsell options"
+      - "Test trial with penalty"
+
+  - symptom: "Churn > 10%"
+    diagnosis: "Product problem, not pricing"
+    solutions:
+      - "Audit product delivery"
+      - "Check customer expectations alignment"
+      - "Investigate billing frequency"
+
+  - symptom: "30-day profit negative"
+    diagnosis: "Offer sequence incomplete"
+    solutions:
+      - "Add upsells"
+      - "Increase prices"
+      - "Reduce acquisition cost"
+
+  - symptom: "CAC recovery > 30 days"
+    diagnosis: "Insufficient 30-day revenue"
+    solutions:
+      - "Add front-loaded offers"
+      - "Increase attraction offer price"
+      - "Add immediate upsells"
+
+# ===============================================================================
+# GAPS TO RESOLVE
+# ===============================================================================
+
+gaps_to_resolve:
+  - id: GAP-001
+    description: "Industry-specific offer templates"
+    severity: Medium
+    clarification_needed: "Optimal offer types by industry vertical"
+
+  - id: GAP-002
+    description: "Payment processor requirements"
+    severity: Medium
+    note: "Varies by provider for trials and continuity"
+
+  - id: GAP-003
+    description: "Legal compliance for cause-based cancellation"
+    severity: High
+    clarification_needed: "Varies by jurisdiction"
+
+  - id: GAP-004
+    description: "Automated offer sequence technology"
+    severity: Medium
+    clarification_needed: "CRM/automation platform requirements"
+
+# ===============================================================================
+# VALIDATION
+# ===============================================================================
+
+validation:
+  sop_parts_complete: 11/11
+  task_anatomy_fields: 8/8
+  decision_rules_documented: 12
+  executor_matrix_complete: true
+  quality_gates_defined: 8
+  workflows_documented: 6
+
+  blueprint_status: "READY FOR SQUAD CREATION"
+
+
+# Criado com Squad Creator do AIOXPRO por @oalanicolas e @pedrovalerio | 2026-02-10