Wage plus overhead — what an hour of that person actually costs you.

Doing it by hand costs / year
Conservatively returned / yearassumes it handles 60% — deliberately cautious
Net, after our management
Value-to-fee ratio

The formula: hours/week × hourly cost × 52 weeks = annual manual cost. We count 60% of that as returned (conservative), then subtract our management at $1,000/mo (provisional). We never count revenue and never compound estimates.

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