feat: add finance section to create_company proposal template

templates/create_company.yml

@@ -69,6 +69,23 @@ steps:
       18. CEO Role
       19. CEO Seed
 
+      FINANCE SECTION (required -- be specific and realistic):
+      20. Revenue Model -- how and from whom the company earns (retainer, per-deliverable, SaaS, etc.)
+      21. Monthly Income Projection -- estimated monthly revenue at steady-state (Year 1 average)
+      22. Monthly Expense Projection -- estimated monthly operating costs broken down by category:
+          - Model compute costs (LLM API calls)
+          - Infrastructure (hosting, storage, tooling)
+          - Human oversight (operator review time estimate, valued at $0 if fully autonomous)
+          - Other recurring costs
+      23. Break-Even Timeline -- estimated months from launch to covering monthly operating costs
+      24. Year 1 Net Projection -- annual revenue minus annual expenses
+      25. Key Financial Risks -- top 2-3 factors that could compress margin or delay break-even
+
+      FINANCE RULES:
+      - Use conservative estimates. Do not inflate revenue to make the proposal look attractive.
+      - Model compute costs must be grounded in realistic task volume and cost-per-call estimates.
+      - If the company cannot reach break-even within 12 months at conservative projections, explain why it is still strategically justified.
+
       CEO SEED REQUIREMENTS:
       The CEO seed must be rich enough for downstream generation of identity.md, system.md,
       and agent.yml. It must clearly define:
@@ -130,6 +147,12 @@ steps:
           ceo_name: "string -- name of the founding CEO"
           ceo_role: "string -- formal title of the founding CEO"
           ceo_seed: "string -- detailed executive seed for downstream identity generation"
+          revenue_model: "string -- how the company earns revenue (retainer, per-deliverable, SaaS, etc.)"
+          monthly_income_projection: "string -- estimated monthly revenue at steady-state (Year 1 average) with basis"
+          monthly_expense_projection: "string -- monthly operating cost breakdown: model compute, infrastructure, oversight, other"
+          break_even_timeline: "string -- estimated months from launch to covering monthly operating costs"
+          year1_net_projection: "string -- annual revenue minus annual expenses with assumptions stated"
+          key_financial_risks: "string -- top 2-3 factors that could compress margin or delay break-even"
 
   - type: close
     rag_update: true
@@ -146,7 +169,7 @@ adjudication:
       weight: 15
       description: "Company charter and focus directly match the ORIGINAL OPERATOR REQUEST. Score 0 if the company drifts into a different domain than what was requested."
     niche_specificity:
-      weight: 20
+      weight: 15
       description: "Company is sharply focused, non-generalist, and clearly differentiated"
     strategic_justification:
       weight: 10
@@ -154,8 +177,11 @@ adjudication:
     portfolio_coherence:
       weight: 10
       description: "Avoids overlap, cannibalization, and architectural sprawl"
-    financial_viability:
+    financial_projections:
       weight: 10
+      description: "Income and expense projections are specific, grounded, and internally consistent. Break-even timeline and Year 1 net are present with stated assumptions."
+    financial_viability:
+      weight: 5
       description: "Budget and value thesis are disciplined and credible"
     ceo_alignment:
       weight: 10