Implement comparable LTV engine and close WP-0005

projects/coulomb-pricing/data/ltv_scenarios.json

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+{
+  "version": 1,
+  "currency": "EUR",
+  "horizon_months": 24,
+  "monthly_discount_rate_pct": "1.0",
+  "required_improvement_factor": "1.05",
+  "profiles": [
+    {
+      "id": "solo-builder",
+      "name": "Solo builder",
+      "segment": "coulomb-social-members",
+      "eligible_model_ids": [
+        "flat-899-eur-monthly",
+        "membership-plus-credits",
+        "membership-plus-overage"
+      ],
+      "members_per_customer": 1,
+      "expected_monthly_usage_units": "48200",
+      "usage_variance_pct": "20",
+      "monthly_churn_pct": "6.0",
+      "monthly_default_pct": "1.0",
+      "monthly_support_cost": "0.25",
+      "monthly_risk_cost": "0.10",
+      "acquisition_cost": "2.00",
+      "upfront_investment_cost": "0.00",
+      "allocated_fixed_cost": "5.00",
+      "notes": "Calibrated from the current founding-member usage record and payment ledger."
+    },
+    {
+      "id": "small-team",
+      "name": "Small product team",
+      "segment": "coulomb-social-members",
+      "eligible_model_ids": [
+        "flat-899-eur-monthly",
+        "membership-plus-credits",
+        "membership-plus-overage"
+      ],
+      "members_per_customer": 3,
+      "expected_monthly_usage_units": "180000",
+      "usage_variance_pct": "35",
+      "monthly_churn_pct": "3.5",
+      "monthly_default_pct": "1.0",
+      "monthly_support_cost": "1.50",
+      "monthly_risk_cost": "0.20",
+      "acquisition_cost": "8.00",
+      "upfront_investment_cost": "1.50",
+      "allocated_fixed_cost": "12.00",
+      "notes": "Hypothesis scenario for a higher-usage small team considering a multi-seat relationship."
+    }
+  ],
+  "sensitivity_cases": [
+    {
+      "id": "usage-downside",
+      "name": "Usage downside",
+      "usage_multiplier": "0.75",
+      "monthly_churn_delta_pct": "1.5",
+      "monthly_risk_cost_delta": "0.05"
+    },
+    {
+      "id": "usage-upside",
+      "name": "Usage upside",
+      "usage_multiplier": "1.35",
+      "usage_variance_delta_pct": "10.0"
+    },
+    {
+      "id": "risk-spike",
+      "name": "Risk spike",
+      "usage_multiplier": "1.00",
+      "monthly_churn_delta_pct": "3.0",
+      "monthly_default_delta_pct": "1.0",
+      "monthly_support_cost_delta": "0.25",
+      "monthly_risk_cost_delta": "0.20"
+    }
+  ],
+  "notes": "First-pass comparable-customer LTV assumptions for the Coulomb observatory. These scenarios are meant for simulation and comparison, not billing execution."
+}