Cost model — make cost claims defensible

great_cto reports cost numbers on the board. Those numbers MUST be auditable, because a wrong "7,638×" claim killed credibility (see docs/blog/cost-dashboard-rebuild.md). This skill defines the format.

The 4-line cost section

Every PLAN-.md and ARCH-.md cost section follows this exact template:

## Cost estimate

**LLM**: $<low>–<high> (<N> calls × $<per-call avg>)
**Human equiv**: $<low>–<high> (<hours> × $<rate>/h)
**Infra delta**: $<low>–<high>/month
**Time to ship**: <hours> agent-time, <hours> wall-clock