{
 "oncost_multiplier": 1.1545,
 "loaded_wage_l2": 52.28,
 "loaded_wage_l3": 58.43,
 "gross_margin_hr": 21.3,
 "gross_margin_pct": 29.0,
 "contribution_owner_admin": 21.3,
 "contribution_paid_admin": 6.7,
 "one_off_core": [
  9109.8,
  10790.8,
  12785.8
 ],
 "one_off_sc": [
  3673.2,
  3673.2,
  3673.2
 ],
 "monthly_fixed": [
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  847.33,
  1438.17
 ],
 "breakeven_hrs_owner_admin": 39.8,
 "breakeven_hrs_paid_admin": 126.5,
 "breakeven_hrs_employed_manager": 411.4,
 "manager_salary_pa": 95000.0,
 "working_capital_at_300h": 7318.61,
 "working_capital_at_300h_30day": 15682.73,
 "runway_6mo_core_no_draw": 15874.78,
 "runway_6mo_core_draw6k": 51874.78,
 "runway_6mo_sc_no_draw": 8757.18,
 "base_rows": [
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   "month": 1,
   "billable_hours": 0,
   "revenue": 0.0,
   "direct_wages": 0.0,
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   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -11638.13
  },
  {
   "month": 2,
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   "revenue": 0.0,
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   "cumulative_cash": -12485.46
  },
  {
   "month": 3,
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   "revenue": 0.0,
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   "cumulative_cash": -13332.79
  },
  {
   "month": 4,
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   "revenue": 2943.2,
   "direct_wages": 2091.03,
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   "contribution": 852.17,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 4.84,
   "cumulative_cash": -13327.95
  },
  {
   "month": 5,
   "billable_hours": 80,
   "revenue": 5886.4,
   "direct_wages": 4182.06,
   "paid_admin": 0.0,
   "contribution": 1704.34,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 857.01,
   "cumulative_cash": -12470.94
  },
  {
   "month": 6,
   "billable_hours": 130,
   "revenue": 9565.4,
   "direct_wages": 6795.85,
   "paid_admin": 0.0,
   "contribution": 2769.55,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 1922.22,
   "cumulative_cash": -10548.72
  },
  {
   "month": 7,
   "billable_hours": 180,
   "revenue": 13244.4,
   "direct_wages": 9409.64,
   "paid_admin": 0.0,
   "contribution": 3834.76,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 2987.43,
   "cumulative_cash": -7561.29
  },
  {
   "month": 8,
   "billable_hours": 230,
   "revenue": 16923.4,
   "direct_wages": 12023.42,
   "paid_admin": 0.0,
   "contribution": 4899.98,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 4052.65,
   "cumulative_cash": -3508.64
  },
  {
   "month": 9,
   "billable_hours": 280,
   "revenue": 20602.4,
   "direct_wages": 14637.21,
   "paid_admin": 0.0,
   "contribution": 5965.19,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 5117.86,
   "cumulative_cash": 1609.22
  },
  {
   "month": 10,
   "billable_hours": 320,
   "revenue": 23545.6,
   "direct_wages": 16728.24,
   "paid_admin": 0.0,
   "contribution": 6817.36,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 5970.03,
   "cumulative_cash": 7579.24
  },
  {
   "month": 11,
   "billable_hours": 350,
   "revenue": 25753.0,
   "direct_wages": 18296.52,
   "paid_admin": 0.0,
   "contribution": 7456.48,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 6609.15,
   "cumulative_cash": 14188.4
  },
  {
   "month": 12,
   "billable_hours": 380,
   "revenue": 27960.4,
   "direct_wages": 19864.79,
   "paid_admin": 0.0,
   "contribution": 8095.61,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 7248.28,
   "cumulative_cash": 21436.68
  }
 ],
 "base_worst": -13332.79,
 "base_month_positive": 9,
 "slow_rows": [
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   "month": 1,
   "billable_hours": 0,
   "revenue": 0.0,
   "direct_wages": 0.0,
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   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -11638.13
  },
  {
   "month": 2,
   "billable_hours": 0,
   "revenue": 0.0,
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   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -12485.46
  },
  {
   "month": 3,
   "billable_hours": 0,
   "revenue": 0.0,
   "direct_wages": 0.0,
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   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -13332.79
  },
  {
   "month": 4,
   "billable_hours": 0,
   "revenue": 0.0,
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   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -14180.12
  },
  {
   "month": 5,
   "billable_hours": 0,
   "revenue": 0.0,
   "direct_wages": 0.0,
   "paid_admin": 0.0,
   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -15027.45
  },
  {
   "month": 6,
   "billable_hours": 0,
   "revenue": 0.0,
   "direct_wages": 0.0,
   "paid_admin": 0.0,
   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -15874.78
  },
  {
   "month": 7,
   "billable_hours": 30,
   "revenue": 2207.4,
   "direct_wages": 1568.27,
   "paid_admin": 0.0,
   "contribution": 639.13,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -208.2,
   "cumulative_cash": -16082.98
  },
  {
   "month": 8,
   "billable_hours": 70,
   "revenue": 5150.6,
   "direct_wages": 3659.3,
   "paid_admin": 0.0,
   "contribution": 1491.3,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 643.97,
   "cumulative_cash": -15439.02
  },
  {
   "month": 9,
   "billable_hours": 110,
   "revenue": 8093.8,
   "direct_wages": 5750.33,
   "paid_admin": 0.0,
   "contribution": 2343.47,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 1496.14,
   "cumulative_cash": -13942.88
  },
  {
   "month": 10,
   "billable_hours": 150,
   "revenue": 11037.0,
   "direct_wages": 7841.36,
   "paid_admin": 0.0,
   "contribution": 3195.64,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 2348.31,
   "cumulative_cash": -11594.57
  },
  {
   "month": 11,
   "billable_hours": 190,
   "revenue": 13980.2,
   "direct_wages": 9932.39,
   "paid_admin": 0.0,
   "contribution": 4047.81,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 3200.48,
   "cumulative_cash": -8394.1
  },
  {
   "month": 12,
   "billable_hours": 230,
   "revenue": 16923.4,
   "direct_wages": 12023.42,
   "paid_admin": 0.0,
   "contribution": 4899.98,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 4052.65,
   "cumulative_cash": -4341.45
  }
 ],
 "slow_worst": -16082.98,
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   "month": 1,
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   "contribution": 0.0,
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   "owner_draw": 0.0,
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   "cumulative_cash": -11638.13
  },
  {
   "month": 2,
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   "revenue": 0.0,
   "direct_wages": 0.0,
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   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -12485.46
  },
  {
   "month": 3,
   "billable_hours": 0,
   "revenue": 0.0,
   "direct_wages": 0.0,
   "paid_admin": 0.0,
   "contribution": 0.0,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -847.33,
   "cumulative_cash": -13332.79
  },
  {
   "month": 4,
   "billable_hours": 40,
   "revenue": 2943.2,
   "direct_wages": 2091.03,
   "paid_admin": 584.29,
   "contribution": 267.88,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -579.45,
   "cumulative_cash": -13912.24
  },
  {
   "month": 5,
   "billable_hours": 80,
   "revenue": 5886.4,
   "direct_wages": 4182.06,
   "paid_admin": 1168.58,
   "contribution": 535.75,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": -311.58,
   "cumulative_cash": -14223.82
  },
  {
   "month": 6,
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   "revenue": 9565.4,
   "direct_wages": 6795.85,
   "paid_admin": 1898.95,
   "contribution": 870.6,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 23.27,
   "cumulative_cash": -14200.55
  },
  {
   "month": 7,
   "billable_hours": 180,
   "revenue": 13244.4,
   "direct_wages": 9409.64,
   "paid_admin": 2629.32,
   "contribution": 1205.45,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 358.12,
   "cumulative_cash": -13842.43
  },
  {
   "month": 8,
   "billable_hours": 230,
   "revenue": 16923.4,
   "direct_wages": 12023.42,
   "paid_admin": 3359.68,
   "contribution": 1540.29,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 692.96,
   "cumulative_cash": -13149.47
  },
  {
   "month": 9,
   "billable_hours": 280,
   "revenue": 20602.4,
   "direct_wages": 14637.21,
   "paid_admin": 4090.05,
   "contribution": 1875.14,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 1027.81,
   "cumulative_cash": -12121.66
  },
  {
   "month": 10,
   "billable_hours": 320,
   "revenue": 23545.6,
   "direct_wages": 16728.24,
   "paid_admin": 4674.34,
   "contribution": 2143.02,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 1295.69,
   "cumulative_cash": -10825.97
  },
  {
   "month": 11,
   "billable_hours": 350,
   "revenue": 25753.0,
   "direct_wages": 18296.52,
   "paid_admin": 5112.56,
   "contribution": 2343.93,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 1496.6,
   "cumulative_cash": -9329.37
  },
  {
   "month": 12,
   "billable_hours": 380,
   "revenue": 27960.4,
   "direct_wages": 19864.79,
   "paid_admin": 5550.78,
   "contribution": 2544.83,
   "fixed_costs": 847.33,
   "owner_draw": 0.0,
   "net_cash": 1697.5,
   "cumulative_cash": -7631.87
  }
 ],
 "paid_worst": -14223.82,
 "paid_month_positive": null,
 "sc": {
  "billable_hours_per_week": 20.9,
  "billable_hours_per_month": 90.6,
  "revenue_per_month": 9069.35,
  "fixed_per_month": 847.33,
  "net_per_month": 8222.02,
  "net_per_year": 98664.19,
  "breakeven_hours_per_month": 8.5
 },
 "sc_sens": [
  [
   0.25,
   41.2,
   4122.43,
   39301.2
  ],
  [
   0.35,
   57.6,
   5771.4,
   59088.86
  ],
  [
   0.45,
   74.1,
   7420.37,
   78876.53
  ],
  [
   0.55,
   90.6,
   9069.35,
   98664.19
  ],
  [
   0.65,
   107.0,
   10718.32,
   118451.86
  ],
  [
   0.75,
   123.5,
   12367.29,
   138239.52
  ]
 ],
 "margin_sens": [
  [
   "Base case, all inputs as sourced",
   21.3,
   ""
  ],
  [
   "ASM-002 wrong: workers sit at SACS Level 3, not Level 2",
   15.15,
   "Margin falls 29%"
  ],
  [
   "ASM-004 wrong: WorkCover industry rate is 3.0%, not the 1.8% state average",
   20.76,
   "Margin falls 3%"
  ],
  [
   "ASM-003 wrong: the business crosses the payroll tax threshold",
   19.11,
   "Margin falls 10%"
  ],
  [
   "Administration is paid rather than done by the owner (ASM-008 at 0.25 hr)",
   6.7,
   "Margin falls 69%"
  ],
  [
   "Administration is paid and runs at 0.40 hr per billable hour",
   -2.07,
   "Margin falls 110%"
  ]
 ],
 "hours_for_60k_draw": 274.0,
 "hours_for_60k_draw_paid_admin": 873.0,
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  -12485.46,
  -13332.79,
  -13327.95,
  -12470.94,
  -10548.72,
  -7561.29,
  -3508.64,
  1609.22,
  7579.24,
  14188.4,
  21436.68
 ],
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  -12485.46,
  -13332.79,
  -14180.12,
  -15027.45,
  -15874.78,
  -16082.98,
  -15439.02,
  -13942.88,
  -11594.57,
  -8394.1,
  -4341.45
 ],
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  -12485.46,
  -13332.79,
  -13912.24,
  -14223.82,
  -14200.55,
  -13842.43,
  -13149.47,
  -12121.66,
  -10825.97,
  -9329.37,
  -7631.87
 ],
 "base_final": 21436.68,
 "slow_final": -4341.45,
 "paid_final": -7631.87,
 "agedcare": {
  "loaded_wage_l2": 49.68,
  "loaded_wage_l3": 52.29,
  "gross_margin_hr": 53.43,
  "gross_margin_pct": 51.8,
  "ndis_gross_margin_hr": 21.3,
  "hours_per_client_week": 5.04,
  "hours_top_classification_week": 13.11,
  "hours_bottom_classification_week": 1.8,
  "ac_client_paid_admin": {
   "budget_per_year": 30000,
   "revenue_per_month": 2500.0,
   "care_management_revenue": 250.0,
   "service_revenue": 2250.0,
   "billable_hours_per_month": 21.82,
   "billable_hours_per_week": 5.04,
   "direct_labour": 1084.04,
   "service_contribution": 1165.96,
   "care_management_cost": 87.64,
   "service_admin_cost": 318.75,
   "bad_debt_allowance": 7.5,
   "contribution_per_client_month": 1002.06
  },
  "ac_client_owner_admin": {
   "budget_per_year": 30000,
   "revenue_per_month": 2500.0,
   "care_management_revenue": 250.0,
   "service_revenue": 2250.0,
   "billable_hours_per_month": 21.82,
   "billable_hours_per_week": 5.04,
   "direct_labour": 1084.04,
   "service_contribution": 1165.96,
   "care_management_cost": 0.0,
   "service_admin_cost": 0.0,
   "bad_debt_allowance": 7.5,
   "contribution_per_client_month": 1408.46
  },
  "ndis_client_paid_admin": {
   "revenue_per_month": 4782.7,
   "billable_hours_per_month": 65.0,
   "billable_hours_per_week": 15.0,
   "direct_labour": 3397.92,
   "care_management_revenue": 0.0,
   "service_admin_cost": 949.48,
   "contribution_per_client_month": 435.3
  },
  "ndis_client_owner_admin": {
   "revenue_per_month": 4782.7,
   "billable_hours_per_month": 65.0,
   "billable_hours_per_week": 15.0,
   "direct_labour": 3397.92,
   "care_management_revenue": 0.0,
   "service_admin_cost": 0.0,
   "contribution_per_client_month": 1384.78
  },
  "contribution_ratio_paid_admin": 2.3,
  "one_off": [
   10557.8,
   11157.8,
   12957.8
  ],
  "monthly_fixed": [
   651.5,
   993.17,
   1738.17
  ],
  "breakeven_clients_paid_admin": 1.0,
  "breakeven_clients_owner_admin": 0.7,
  "working_capital": 4173.2,
  "runway_6mo_no_draw": 17116.82,
  "runway_6mo_draw6k": 53116.82,
  "budget_sensitivity": [
   [
    10731,
    1.8,
    894.25,
    302.14
   ],
   [
    20000,
    3.36,
    1666.67,
    638.83
   ],
   [
    30000,
    5.04,
    2500.0,
    1002.06
   ],
   [
    45000,
    7.55,
    3750.0,
    1546.91
   ],
   [
    60000,
    10.07,
    5000.0,
    2091.76
   ],
   [
    78106,
    13.11,
    6508.83,
    2749.44
   ]
  ],
  "structure": {
   "ndis_fixed_month": 847.33,
   "agedcare_fixed_month": 993.17,
   "two_entities_fixed_month": 1840.5,
   "one_entity_fixed_month": 1234.0,
   "monthly_cost_of_separation": 606.5,
   "annual_cost_of_separation": 7278.0,
   "two_entities_oneoff": 21948.6,
   "one_entity_oneoff": 21204.6,
   "oneoff_cost_of_separation": 744,
   "three_year_cost_of_separation": 22578.0
  }
 },
 "structure": {
  "ndis_fixed_month": 847.33,
  "agedcare_fixed_month": 993.17,
  "two_entities_fixed_month": 1840.5,
  "one_entity_fixed_month": 1234.0,
  "monthly_cost_of_separation": 606.5,
  "annual_cost_of_separation": 7278.0,
  "two_entities_oneoff": 21948.6,
  "one_entity_oneoff": 21204.6,
  "oneoff_cost_of_separation": 744,
  "three_year_cost_of_separation": 22578.0
 },
 "trade": {
  "weights_record": "02_Work/scratch/T3_trade_study_weights.md (weights timestamped 2026-09-07T06:22:16Z, before any option was scored)",
  "criteria": [
   {
    "key": "capital",
    "label": "Capital at risk before first revenue",
    "weight": 0.25
   },
   {
    "key": "contrib",
    "label": "Contribution per client per month",
    "weight": 0.25
   },
   {
    "key": "time",
    "label": "Time to first revenue",
    "weight": 0.2
   },
   {
    "key": "stability",
    "label": "Regulatory stability over three years",
    "weight": 0.15
   },
   {
    "key": "owner",
    "label": "Independence from the owner's own hours",
    "weight": 0.15
   }
  ],
  "ranking": [
   {
    "option": "A",
    "label": "Aged care entity first; NDIS entity registers in parallel and takes clients second",
    "score": 3.7
   },
   {
    "option": "C",
    "label": "Support coordination only; no support workforce, no aged care",
    "score": 3.55
   },
   {
    "option": "D",
    "label": "Do not start; remain employed",
    "score": 3.2
   },
   {
    "option": "B",
    "label": "NDIS entity first (core supports); aged care second",
    "score": 2.45
   }
  ],
  "margin": 0.15,
  "flips": [
   {
    "criterion": "Capital at risk before first revenue",
    "weight_now": 0.25,
    "flips_at": 0.31,
    "hands_it_to": "C",
    "new_score": 3.61
   },
   {
    "criterion": "Contribution per client per month",
    "weight_now": 0.25,
    "flips_at": null,
    "hands_it_to": null,
    "new_score": null
   },
   {
    "criterion": "Time to first revenue",
    "weight_now": 0.2,
    "flips_at": 0.28,
    "hands_it_to": "C",
    "new_score": 3.63
   },
   {
    "criterion": "Regulatory stability over three years",
    "weight_now": 0.15,
    "flips_at": 0.23,
    "hands_it_to": "D",
    "new_score": 3.52
   },
   {
    "criterion": "Independence from the owner's own hours",
    "weight_now": 0.15,
    "flips_at": 0.26,
    "hands_it_to": "D",
    "new_score": 3.64
   }
  ]
 },
 "combined": {
  "one_off": 21948.6,
  "fixed_month": 1840.5,
  "runway_6mo": 32991.6,
  "working_capital_low": 11491.81,
  "working_capital_high": 19855.93,
  "total_capital_low": 44483.41,
  "total_capital_high": 52847.53
 }
}