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      {
        "year": 5,
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          },
          "click": {
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          },
          "lsa": {
            "revenue": 3582000.0,
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          },
          "web": {
            "revenue": 7926240.0,
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          }
        },
        "call": 869100.0,
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        "doug_profit": 7673887.2492,
        "carl_profit": 5115924.8328
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    ],
    "one_and_half_subscribers": [
      {
        "year": 1,
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            "revenue": 912555.0,
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          "click": {
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          "lsa": {
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          },
          "web": {
            "revenue": 181980.0,
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        },
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        "revenue": 2352375.0,
        "profit": 827120.07,
        "group_profit": 206780.0175,
        "doug_profit": 372204.0315,
        "carl_profit": 248136.021
      },
      {
        "year": 2,
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          "call": {
            "revenue": 2998395.0,
            "gross_starts": 875.25,
            "cancellations": 200.25,
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            "mrr": 347640.0,
            "operating_margin": 0.5
          },
          "click": {
            "revenue": 3910950.0,
            "gross_starts": 1309.5,
            "cancellations": 259.5,
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            "operating_margin": 0.5
          },
          "lsa": {
            "revenue": 1074600.0,
            "gross_starts": 5782.5,
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            "operating_margin": 0.118151,
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            "fixed": 180000.0
          },
          "web": {
            "revenue": 1334520.0,
            "gross_starts": 6656.25,
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          }
        },
        "call": 347640.0,
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        "total": 1150905.0,
        "arr": 13810860.0,
        "revenue": 9318465.0,
        "profit": 3856837.938,
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        "doug_profit": 1735577.0721,
        "carl_profit": 1157051.3814
      },
      {
        "year": 3,
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          "call": {
            "revenue": 5996790.0,
            "gross_starts": 1453.5,
            "cancellations": 403.5,
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            "mrr": 651825.0,
            "operating_margin": 0.5
          },
          "click": {
            "revenue": 8864820.0,
            "gross_starts": 2394.0,
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            "operating_margin": 0.5
          },
          "lsa": {
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            "gross_starts": 9150.0,
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          },
          "web": {
            "revenue": 3518280.0,
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          }
        },
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        "group_profit": 2285867.7345,
        "doug_profit": 4114561.9221,
        "carl_profit": 2743041.2814
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      {
        "year": 4,
        "by_product": {
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            "gross_starts": 1788.75,
            "cancellations": 663.75,
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            "operating_margin": 0.5
          },
          "click": {
            "revenue": 16425990.0,
            "gross_starts": 3658.5,
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            "operating_margin": 0.5
          },
          "lsa": {
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          },
          "web": {
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            "gross_starts": 21127.5,
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        },
        "call": 977737.5,
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        "profit": 16727799.036,
        "group_profit": 4181949.759,
        "doug_profit": 7527509.5662,
        "carl_profit": 5018339.7108
      },
      {
        "year": 5,
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          "call": {
            "revenue": 13688325.0,
            "gross_starts": 2058.75,
            "cancellations": 933.75,
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            "operating_margin": 0.5
          },
          "click": {
            "revenue": 26073000.0,
            "gross_starts": 4770.0,
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          },
          "lsa": {
            "revenue": 5373000.0,
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          },
          "web": {
            "revenue": 11889360.0,
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        },
        "call": 1303650.0,
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        "carl_profit": 7781887.2492
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    ]
  },
  "stress": {
    "call": {
      "same_gross_acquisition_6pct_churn_y5_retained": 1646.342797,
      "mrr": 476945.508306
    },
    "click": {
      "same_gross_acquisition_6pct_churn_y5_retained": 3541.591483,
      "mrr": 1025999.052585
    },
    "lsa": {
      "same_gross_acquisition_6pct_churn_y5_retained": 9077.55811,
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    },
    "web": {
      "same_gross_acquisition_6pct_churn_y5_retained": 21173.241101,
      "mrr": 570830.580078
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  },
  "methodology": [
    "New-growth cohorts start at zero; no existing accounts or revenue are asserted.",
    "Closing paid units progress linearly between annual retained goals. Gross starts replace opening-book churn and provide net growth.",
    "Revenue uses average opening/closing paid units; this is a planning accrual approximation, not cash collections.",
    "Managed 50% operating margin is the owner-set target, inclusive of all allocated managed operating costs; it is not independently validated.",
    "Both Signal products use matched cost assumptions: $4/$12 delivery, $2 additional support per paid month, $25 additional acquisition/onboarding per gross start, plus $120K/$180K/$240K/$300K/$360K annual fixed product budgets each.",
    "All paid units include the recurring company rep plan: 30% retail / 15% wholesale after the modeled 3.6%+$0.30 fee. Partners have no stacked personal commission.",
    "Signal cost budgets and adoption targets are analyst assumptions, not observed costs or externally forecast sales.",
    "Andrew salary amount is not set. Its eventual company cost must fit the managed operating-cost reserve or reduce modeled profit; never add it twice.",
    "Modeled operating profit is before company income taxes, distributions and cash reserves; actual eligible cash net profit controls partner payments.",
    "Upgrades count once. Managed accounts do not buy a duplicate same-need Signal subscription. Different products may serve the same business; product counts are not unique-business counts.",
    "Founder priority, appraisal, partner percentages and departure terms are unchanged."
  ],
  "sale_participation": {
    "greg_and_andrew_combined": 0.15,
    "carl": 0.15,
    "doug": 0.7,
    "basis": "Remainder after the scheduled founder asset priority",
    "owner_instruction_date": "2026-10-24"
  },
  "founder_priority_schedule": {
    "net_proceeds_breakpoints": [
      2000000,
      9000000,
      15000000
    ],
    "priority_at_breakpoints": [
      0,
      1000000,
      3000000
    ],
    "interpolation": "Linear between the breakpoints; zero through $2M; capped at $3M above $15M",
    "cap": 3000000
  },
  "sale_price_forecast_included": false,
  "sale_status": "Owner set the sale remainder split to 15% Carl / 15% Greg and Andrew combined / 70% Doug; existing graduated asset-priority schedule retained. Operating-profit participation unchanged.",
  "profit_participation": {
    "doug": 0.45,
    "carl": 0.3,
    "greg_and_andrew_combined": 0.25,
    "distribution_frequency": "monthly",
    "basis": "Actual eligible company net profit after agreed costs and account exclusions",
    "owner_instruction_date": "2026-10-24"
  }
}