THE MARGIN — Profitability & Utilisation OS Brain

$49.00
◆ margin_model.py · where the profit actually went

THE MARGIN — Profitability & Utilisation OS Brain

For finding out which accounts pay for themselves. One orchestrator plus ten specialists that model true margin against real hours, expose over-servicing before it becomes structural, and tell you which client is quietly being funded by the others.

What makes it different

Revenue is easy to see and margin is not. The gap between them is unlogged hours, and unlogged hours stay invisible precisely because nobody wants to log them. The model takes your fee, your team mix, your rate card and your actual hours, then returns realised rate against contracted rate per account. The number that changes conversations is the delta: a client billed at a blended 145 who is actually served at 96 is not a profitable account, whatever the fee says. Most portfolios carry one or two of these, and they are usually the accounts everyone is proudest of.

It ships working code, not just prompts margin_model.py

Calculates realised hourly rate against contracted rate per account from actual hours and team mix, ranks accounts by margin rather than by fee, and quantifies the over-servicing gap in both hours and money. Every OS Brain in this drop carries its own executable component, so the judgement calls stay with you and the arithmetic stops being a matter of opinion. Runs anywhere Python runs, and the specialists still work on their own if you never open it.

Say it in plain words — it works out the rest

"Which accounts actually make money?"→ full pipeline, model first
"We're busy but not profitable"→ 03 · the over-servicing gap
"The team is underwater"→ 05 · utilisation against plan
"Should we resign this client?"→ 08 · with a number behind it
"They want more for the same fee"→ 09 · what that costs, exactly

Inside · orchestrator + 10 specialists

01The Fee BaseWhat you are actually paid
02Team MixWho is really doing the work
03Realised RateContracted against actual
04Over-ServicingThe hours nobody logs
05UtilisationCapacity against plan
06Cost to ServeBeyond the delivery team
07Portfolio ViewWho funds whom
08The Resign DecisionWhen to walk
09The Reset ConversationRestructuring without losing them
10Margin LedgerMonthly, not annually

Where it refuses to skip ahead

  • No margin without actual hours — fee divided by planned hours is a budget, not a margin.
  • No account judged on fee alone — the largest account is frequently the least profitable one.
  • Over-servicing gets counted even unlogged — estimate it rather than omit it, because omitting it reads as zero.
  • No resign decision without the portfolio view — the account may be funding a relationship worth more than its own margin.
Works in all 7 channels
1Any chatupload the zip
2Claude Projectsadd as knowledge
3ChatGPT / GPTsknowledge files
4Gemini Gemsknowledge files
5Claude Codeskills folder
6Agent frameworkssystem instruction
7Paste-onlydegrades gracefully
The habit it is really selling: model it monthly, because over-servicing becomes structural in about two quarters and is very hard to reverse afterwards. Single-seat license. Commercial modelling, not management accounting — your finance team owns the statutory numbers, and this exists to make the operational picture legible between reporting cycles.
Bargain amount
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