Massive AI Overhaul

docs/quote-rules.md

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+# Quote Rules
+
+Use this only when pricing or behavior rules are relevant. For general resume context, the four startup docs are enough.
+
+## Pricing source of truth
+
+- Built-in pricing defaults live in `quote-pricing.js`.
+- `package-prices.json` may override them at startup.
+- `readFormState()` in `quote-engine.js` maps the DOM into a normalized state object.
+- `calculateQuote(state, pricing)` in `quote-engine.js` is the current pricing source of truth.
+- `calcQuote()` in `SVS-MSP-Calculator.js` remains as the compatibility wrapper used by the rest of the runtime.
+
+## Core billing rules
+
+- User package base rate:
+  - `RATE_M365_M2M` ($140) when M365 Included + month-to-month
+  - `RATE_M365` ($130) when M365 Included + 12-month or 24-month term
+  - `RATE_BYOL` ($110) when BYOL is selected (all terms)
+- M365 retail comparison: monthly $36, annual $29 — savings shown in UI
+- User add-ons:
+  - Extended Hours
+  - 1Password
+  - INKY Pro
+  - Zero Trust User Seat
+- Endpoint pricing:
+  - `RATE_ENDPOINT` per endpoint
+  - `ADDON_USB_BLOCKING` per endpoint when selected
+  - `ADDON_BARE_METAL_BACKUP` per endpoint when selected
+- Server pricing:
+  - `RATE_SERVER` per server
+- Zero Trust Networking:
+  - `ZT_SEAT_RATE` per non-user device seat
+  - `ZT_ROUTER_RATE` per HaaS device
+- VoIP:
+  - tier rate per seat
+  - optional desk phone add-on
+  - optional eFax add-on priced per seat
+
+## Site admin fee rules
+
+- Base subtotal for threshold logic:
+  - user base
+  - endpoint base
+  - server base
+- Site admin base:
+  - `max(ADMIN_FEE_FLOOR, ADMIN_FEE_MINIMUM - baseSubtotal)`
+- Additional site admin charges:
+  - `ADMIN_FEE_ZT` when Zero Trust is active
+  - `ADMIN_1PWM_PCT` surcharge on 1Password MRR when 1Password is selected
+- Admin fee can be manually waived
+
+## Contract term rules
+
+- Month-to-month: no MRR discount, full onboarding fee
+- 12-month: 3% off MRR + 50% off onboarding fee
+- 24-month: 5% off MRR + complimentary onboarding (fully waived)
+
+## Onboarding fee rules
+
+- Default onboarding fee is auto-calculated as 50% of pre-discount MRR
+- 12-month term auto-applies 50% discount to onboarding (25% of MRR)
+- 24-month term fully waives onboarding (complimentary)
+- Manual entry overrides the auto value until reset
+- Manual override value is preserved in `data-manual-value` attribute across term switches
+- Waived onboarding disables the input and shows complimentary state
+- Onboarding fee is not included in headline MRR
+
+## Tax rules
+
+- Ontario HST is optional (user toggle)
+- HST is applied to discounted MRR, not base MRR
+- Print/PDF export respects the user's HST toggle state (does not force HST on)
+
+## Savings and comparison rules
+
+- M365 bundle savings are shown when M365 Included is selected
+- BYOL can trigger a missed-savings callout
+- VoIP can compare against a current phone bill input
+- In-house IT comparison uses internal tool-cost and salary assumptions from pricing config
+
+## eFax pricing decision
+
+- The approved business rule is per seat
+- Current logic already calculates the eFax add-on per VoIP seat
+- Any remaining `per line` sales copy should be aligned in a small approved copy pass
+
+## JSON export rules
+
+- Export includes `version: '1.0'` as first field in payload
+- Schema defined in STAGE2-BUILD-PROMPT.md
+- Intended for n8n workflow consumption
+
+## Admin fee nudge
+
+- When Zero Trust is active (`ztActive`), an amber nudge warns about the $250 admin fee supplement
+- Nudge is informational — does not block configuration