feat: Signal CGM asset package v1 + sales agent agreement

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

Projects/DMEPOS/sales-agent-agreement-template.md

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+# Independent Sales Representative Agreement
+
+**STTIL Solutions LLC**
+**Signal CGM Asset — Sales Agent Agreement**
+
+---
+
+This Independent Sales Representative Agreement ("Agreement") is entered into
+as of __________________, 2026 ("Effective Date") by and between:
+
+**Company:** STTIL Solutions LLC, a Florida limited liability company
+("Company"), and
+
+**Agent:** ________________________________________________ ("Agent").
+
+---
+
+## 1. Appointment and Scope
+
+Company appoints Agent as a non-exclusive independent sales representative
+authorized to identify and introduce prospective buyers ("Prospects") for the
+Signal CGM software asset package ("Asset"). Agent's role is limited to
+identification and introduction of Prospects. Agent has no authority to
+negotiate, modify, or execute any agreement on behalf of Company.
+
+## 2. Commission
+
+Agent shall earn a commission of **fifteen percent (15%)** of the gross sale
+price received by Company upon the close of a qualifying transaction with a
+Prospect introduced by Agent. A transaction qualifies if: (a) Agent provided
+the initial written introduction of the Prospect to Company, (b) the transaction
+closes within the Term or within ninety (90) days after expiration of the Term,
+and (c) Company receives full or initial payment from the Prospect.
+
+Commission is due and payable within fifteen (15) business days of Company's
+receipt of the sale proceeds. No commission is earned until funds are received
+by Company.
+
+## 3. Term
+
+This Agreement commences on the Effective Date and continues for **ninety (90)
+days** unless earlier terminated by either party upon ten (10) days' written
+notice. The Agreement may be renewed by mutual written consent of both parties.
+
+## 4. Agent Representations and Warranties
+
+Agent shall not make any representations, warranties, or guarantees to
+Prospects regarding the Asset, its fitness for any particular purpose,
+regulatory compliance, or future development roadmap beyond what is expressly
+contained in the written asset package materials provided by Company. All
+Prospect questions regarding technical specifications, compliance, or pricing
+shall be referred to Company.
+
+## 5. Final Negotiation Authority
+
+All final terms of sale, including price, payment structure, transfer scope,
+and representations, are negotiated and executed exclusively by Company.
+Agent has no authority to bind Company to any term, discount, or commitment.
+
+## 6. Independent Contractor
+
+Agent is an independent contractor and not an employee, partner, or agent of
+Company for any purpose other than as expressly set forth herein. Agent is
+solely responsible for all taxes, insurance, and expenses incurred in
+performing under this Agreement. Company shall issue a Form 1099 to Agent
+for commissions paid, as required by applicable law.
+
+## 7. Confidentiality
+
+Agent shall keep confidential all non-public information regarding the Asset,
+pricing, Prospects, and Company business provided under this Agreement. Agent
+shall not disclose such information to any third party without Company's prior
+written consent.
+
+## 8. Governing Law
+
+This Agreement shall be governed by and construed in accordance with the laws
+of the State of **Florida**, without regard to its conflict of law provisions.
+Any dispute arising under this Agreement shall be resolved in the courts of
+Florida, and both parties consent to jurisdiction therein.
+
+## 9. Entire Agreement
+
+This Agreement constitutes the entire agreement between the parties regarding
+its subject matter and supersedes all prior representations, negotiations, and
+understandings. Amendments must be in writing and signed by both parties.
+
+---
+
+## Signatures
+
+**STTIL Solutions LLC**
+
+Signature: _________________________________
+
+Name: _____________________________________
+
+Title: ____________________________________
+
+Date: _____________________________________
+
+---
+
+**Agent**
+
+Signature: _________________________________
+
+Name: _____________________________________
+
+Address: ___________________________________
+
+___________________________________________
+
+Date: _____________________________________

Projects/DMEPOS/signal-cgm-asset-package-v1.md

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+# Signal CGM — Asset Package | Executive Summary
+
+**STTIL Solutions LLC | Confidential | April 2026**
+
+---
+
+## Market Opportunity
+
+The CGM DMEPOS market is entering a window of structural stress that rewards
+suppliers with proactive coverage management tooling.
+
+- **2028 Competitive Bidding (CB):** CMS is expanding CB to CGM categories.
+  Margin compression will accelerate. Suppliers that reduce denials and appeals
+  overhead gain a direct cost advantage over competitors still running manual,
+  reactive workflows.
+- **Prior Authorization Expansion (April 13, 2026):** CMS implemented expanded
+  PA requirements for CGM and related DMEPOS categories. Every prior auth cycle
+  introduces a coverage gap risk. Suppliers need automated visibility into
+  those gaps to act before a claim touches a PA trigger.
+- **Enrollment Moratorium:** CMS supplier enrollment moratoria in high-risk
+  areas are tightening the supply pool. Existing enrolled suppliers face
+  consolidation pressure and rising per-patient management burden — exactly
+  the problem Signal CGM is designed to reduce.
+- **Denial Patterns:** CGM claims deny on predictable, preventable conditions:
+  coverage lapsed before refill, physician visit not renewed on the Medicare
+  180-day cycle, quantity exceeds allowable without documentation. Signal CGM
+  flags all three before shipment, not after.
+
+The total addressable market is approximately 7,500 Medicare-enrolled DMEPOS
+suppliers billing CGM. A conservative 1% penetration at $3,600 ARR = $2.7M ARR.
+CMS projects CGM beneficiaries to exceed 3.2 million by 2028.
+
+---
+
+## What Signal CGM Does
+
+Signal CGM is a B2B coverage worklist tool built for DMEPOS supplier back-office
+teams. It replaces manual spreadsheet tracking with an automated, rule-driven
+coverage clock.
+
+- **Coverage Clock:** Calculates coverage expiration per patient per device
+  using payer-specific wear-day rules (Dexcom G6/G7, Libre 2/3, Omnipod 5).
+  Medicare visit renewal (180 days) is tracked as a separate flag.
+- **24-Hour Batch Worklist:** n8n orchestration runs nightly. Staff arrive to a
+  sorted worklist — `OUT_OF_COVERAGE`, `VISIT_DUE`, `REFILL_WINDOW`, `OK` —
+  with highest-urgency patients at the top.
+- **Minimal PHI Surface:** The system ingests `patient_id`, `device_type`,
+  `shipment_date`, `quantity`, `payer` only. No names, SSNs, DOBs, or contact
+  information enter the system. The supplier's own staff map `patient_id` back
+  to identity in their existing systems (Brightree, EHR). All audit logs hash
+  identifiers before storage.
+- **Self-Hosted:** Runs on supplier's own VPS or STTIL-managed Hostinger VPS.
+  Data never leaves the supplier's network. No third-party SaaS dependency
+  on the data path.
+
+---
+
+## What's Included in the Sale
+
+| Asset | Description |
+|-------|-------------|
+| Full source code | Python/FastAPI backend, coverage calculator, audit logger, PostgreSQL models, payer rules config |
+| Research library | DMEPOS market research v3, compliance roadmap v1, CB/PA regulatory analysis |
+| BAA templates | Hostinger VPS BAA request template; operator BAA framework for customer agreements |
+| Newsletter strategy | Subscriber acquisition strategy for DMEPOS supplier outreach (v1) |
+| n8n workflows | Self-hosted batch trigger workflow exports |
+| `CLAUDE.md` handoff | Full AI-assisted development context file — new owner can continue building with Claude Code with zero ramp-up loss |
+| 30-day knowledge transfer | Live sessions with STTIL Solutions founder covering architecture, payer rule updates, compliance posture, and go-to-market |
+
+Buyer receives all intellectual property, documentation, and development context
+as a clean, working asset. No vendor lock-in. No ongoing royalty.
+
+---
+
+## Ideal Buyer Profile
+
+**Option A — DMEPOS Supplier (Direct User)**
+A mid-size supplier billing 200–2,000 CGM patients/month who currently manages
+coverage tracking in spreadsheets or Brightree custom fields. Immediate ROI
+through denial reduction. Can deploy internally or white-label for peer suppliers.
+
+**Option B — Healthcare Operator / DME Platform**
+A DMEPOS software vendor, billing company, or managed services operator looking
+to add a differentiated coverage intelligence module to their existing platform.
+Signal CGM integrates cleanly into existing FastAPI or Django stacks.
+
+**Option C — Consortium or Buying Group**
+A DMEPOS buying group or GPO representing multiple suppliers. Acquire once,
+deploy across member base. License to members as a value-add service. Buying
+groups operating in markets with active CB expansion have the strongest urgency
+case.
+
+---
+
+## Investment Range
+
+**$25,000 — $60,000** (one-time asset acquisition)
+
+Range reflects buyer type and included transfer scope. Direct supplier buyers
+at the lower end. Platform/operator buyers and consortium structures at the
+higher end. All terms negotiated directly with STTIL Solutions LLC.
+
+No SaaS subscription required. No ongoing royalty. Buyer owns the asset outright.
+
+---
+
+## Why Now
+
+- PA expansion is live as of April 13, 2026 — suppliers are feeling it now
+- CB 2028 planning cycles begin at the supplier level 18–24 months out
+- The enrollment moratorium is reducing the number of new entrants who can
+  absorb this problem with headcount — existing suppliers must solve it with tools
+- Early buyer gets the asset before it is offered to competitors in their market
+- 30-day knowledge transfer window is time-limited and not guaranteed after
+  initial close
+
+---
+
+## Contact
+
+[CONTACT PLACEHOLDER]