Backend Aug 22-25: AI analysis, welcome-packet templating, LetterStream, DocuSeal, staff RBAC + tier gate

- analysis.py: deterministic claim scorer + /analyze /approve /letter /advance-tier endpoints (auto-runs on intake)
- packet.py + packet_fields.json: welcome-packet templating engine (6 onboarding docs, field catalog)
- letterstream.py + letters.py: certified-mail send pipeline + letter lifecycle (webhook verified)
- docuseal.py: DocuSeal signing integration
- staff.py/models.py/schema.sql/auth.py: approval actor from staff key, tier gate (APPROVED+ACTIVE+onboarding docs), onboarding_docs table
- frontend/: dependency-free static portal (intake, magic-link login/verify, dashboard)
- landing-mockups/: 4 design-stance mockups + favicons
- legal/: aup/privacy/sms-terms/terms HTML
- docs/: letter-queue scope, letterstream API contract, 6 welcome-packet templates
- review-dre-landing-2026-08-21.md: 3-variant landing feedback sprint
- compliance/DRE_Compliance_Manual.md: updated

Source synced from deployed /opt/dre-portal/app/ (was 4 days ahead of git).

docs/welcome-packet/03-Fee-Schedule.md

@@ -0,0 +1,52 @@
+# SCHEDULE A — FEE SCHEDULE
+## Debt Recovery Experts, LLC
+
+This Schedule A is attached to and incorporated into the Terms of Service between the Client and Debt Recovery Experts, LLC. **All fees are contingent** — payable only upon actual recovery of funds from the debtor.
+
+## Contingency Fee by Recovery Tier
+
+The fee is determined by the tier at which the claim resolves (i.e., the point at which the debtor pays):
+
+| Tier | Description | DRE Fee |
+|---|---|---|
+| **Tier 1** | Soft Touch demand | **20-25%** of amount recovered |
+| **Tier 2** | Formal Demand | **30%** of amount recovered |
+| **Tier 2.5** | Lien Threat (construction claims) | **30%** of amount recovered, plus attorney fees only if a lien is actually filed through counsel |
+| **Tier 3** | Final Notice | **33%** of amount recovered |
+| **Tier 4** | Legal Action (referral to counsel) | **15%** DRE referral fee **plus 25%** law firm fee (40% combined) |
+
+## Illustrative Example (Tier 2 resolution, $10,000 claim)
+
+| Item | Amount |
+|---|---|
+| Amount recovered | $10,000.00 |
+| DRE contingency fee (30%) | -$3,000.00 |
+| Certified mail + notary costs | -$75.00 |
+| **Net to Client** | **$6,925.00** |
+
+## Costs and Expenses (deducted from recovery)
+
+These are actual, itemized out-of-pocket costs, not DRE profit:
+
+- Remote online notary: one-time, per LPOA (est. $25)
+- Certified mail / LetterStream postage and service fees (actual)
+- Court filing and recording fees (actual, only if lien or litigation pursued, with prior approval)
+
+## No Recovery, No Fee
+
+If DRE recovers nothing, the Client owes **no contingency fee**. The Client is responsible only for actual out-of-pocket third-party costs already incurred with the Client's prior approval (e.g., litigation filing fees). DRE will not incur such costs without the Client's written approval.
+
+## Loyalty Pricing (optional)
+
+Clients with 3+ prior claims may qualify for reduced Tier 1 pricing (e.g., 25% reduced toward 20% at DRE's discretion).
+
+---
+
+**ACKNOWLEDGMENT:** By signing the Terms of Service, the Client acknowledges receipt of this Fee Schedule and agrees to the fee and cost terms set forth above.
+
+| | |
+|---|---|
+| **Client Signature** | **Date** |
+| ________________________ | ________________________ |
+| **Print Name** | |
+| ________________________ | |