Implement comparable LTV engine and close WP-0005

projects/coulomb-pricing/tests/test_api.py

@@ -24,6 +24,10 @@ def test_dashboard_payload_contains_live_ledger_totals() -> None:
     assert payload["membership_analytics"]["active_members"] == 1
     assert payload["usage"]["record_count"] == 1
     assert len(payload["pricing_simulations"]["scenarios"]) == 3
+    assert len(payload["pricing_simulations"]["profile_comparisons"]) == 2
+    assert payload["pricing_simulations"]["primary_profile_id"] == "solo-builder"
+    assert payload["pricing_simulations"]["required_improvement_factor"] == "1.05"
+    assert payload["pricing_simulations"]["reference_model_id"] is not None
     assert len(payload["boundary_validation"]["model_results"]) == 3
     assert payload["boundary_validation"]["policy"]["target_margin_pct"] == "15"
     assert any(

projects/coulomb-pricing/tests/test_comparable_ltv.py

@@ -0,0 +1,69 @@
+from __future__ import annotations
+
+from pathlib import Path
+
+from observatory.economics import build_snapshot
+from observatory.load import (
+    load_ltv_scenarios,
+    load_membership,
+    load_monthly_ledger,
+    load_payment_records,
+    load_pricing_models,
+    load_product,
+)
+from observatory.simulator import build_pricing_simulations
+from observatory.usage import load_usage_records
+
+DATA_DIR = Path(__file__).resolve().parent.parent / "data"
+
+
+def _snapshot(period: str = "2026-06"):
+    product = load_product(DATA_DIR)
+    models = load_pricing_models(DATA_DIR)
+    members = load_membership(DATA_DIR)
+    payments = load_payment_records(DATA_DIR)
+    ledger = load_monthly_ledger(DATA_DIR)
+    return build_snapshot(period, product, models, members, payments, ledger)
+
+
+def test_simulations_include_reference_model_and_profile_comparisons() -> None:
+    snapshot = _snapshot()
+    models = load_pricing_models(DATA_DIR)
+    simulations = build_pricing_simulations(
+        snapshot,
+        models,
+        snapshot.cost_per_member,
+        usage_records=load_usage_records(DATA_DIR),
+        scenario_catalog=load_ltv_scenarios(DATA_DIR),
+    )
+
+    assert simulations["primary_profile_id"] == "solo-builder"
+    assert simulations["reference_model_id"] is not None
+    assert simulations["best_ltv_scenario_id"] is not None
+    assert len(simulations["profile_comparisons"]) == 2
+    assert simulations["scenarios"][0]["average_comparable_customer_lifetime_value"] is not None
+    assert simulations["scenarios"][0]["sensitivity"]
+
+
+def test_small_team_profile_has_reference_and_non_passing_candidates() -> None:
+    snapshot = _snapshot()
+    models = load_pricing_models(DATA_DIR)
+    simulations = build_pricing_simulations(
+        snapshot,
+        models,
+        snapshot.cost_per_member,
+        usage_records=load_usage_records(DATA_DIR),
+        scenario_catalog=load_ltv_scenarios(DATA_DIR),
+    )
+
+    small_team = next(
+        item for item in simulations["profile_comparisons"] if item["profile"]["id"] == "small-team"
+    )
+
+    assert small_team["reference_model_id"] is not None
+    assert small_team["best_valid_model_id"] is not None
+    assert any(
+        not comparison["passes_required_improvement"]
+        for comparison in small_team["comparisons"]
+        if comparison["model_id"] != small_team["reference_model_id"]
+    )

projects/coulomb-pricing/tests/test_mvp_sprints.py

@@ -8,6 +8,7 @@ from observatory.api import build_dashboard_payload
 from observatory.credits import build_credit_summary, load_credit_wallets
 from observatory.economics import build_snapshot
 from observatory.load import (
+    load_ltv_scenarios,
     load_membership,
     load_monthly_ledger,
     load_payment_records,
@@ -58,10 +59,18 @@ def test_cost_allocation_includes_ai_variable_cost() -> None:
 def test_pricing_simulator_compares_candidate_models() -> None:
     snapshot = _snapshot()
     models = load_pricing_models(DATA_DIR)
-    simulations = build_pricing_simulations(snapshot, models, Decimal("0.06"))
+    simulations = build_pricing_simulations(
+        snapshot,
+        models,
+        Decimal("0.06"),
+        usage_records=load_usage_records(DATA_DIR),
+        scenario_catalog=load_ltv_scenarios(DATA_DIR),
+    )
 
     assert len(simulations["scenarios"]) == 3
     assert simulations["active_scenario_id"] == "flat-899-eur-monthly"
+    assert simulations["best_ltv_scenario_id"] is not None
+    assert simulations["reference_model_id"] is not None
 
 
 def test_credit_summary_tracks_remaining_allowance() -> None:
@@ -93,4 +102,4 @@ def test_dashboard_payload_includes_mvp_sections() -> None:
     assert "cost_allocation" in payload
     assert "pricing_simulations" in payload
     assert "credit_wallets" in payload
-    assert "recommendations" in payload
+    assert "recommendations" in payload