feat: Expand fleet to 23 skills across all domains

New skills (14):
- nestjs-best-practices: 40 priority-ranked rules (kadajett)
- fastapi: Pydantic v2, async SQLAlchemy, JWT auth (jezweb)
- architecture-patterns: Clean Architecture, Hexagonal, DDD (wshobson)
- python-performance-optimization: Profiling and optimization (wshobson)
- ai-sdk: Vercel AI SDK streaming and agent patterns (vercel)
- create-agent: Modular agent architecture with OpenRouter (openrouterteam)
- proactive-agent: WAL Protocol, compaction recovery, self-improvement (halthelobster)
- brand-guidelines: Brand identity enforcement (anthropics)
- ui-animation: Motion design with accessibility (mblode)
- marketing-ideas: 139 ideas across 14 categories (coreyhaines31)
- pricing-strategy: SaaS pricing and tier design (coreyhaines31)
- programmatic-seo: SEO at scale with playbooks (coreyhaines31)
- competitor-alternatives: Comparison page architecture (coreyhaines31)
- referral-program: Referral and affiliate programs (coreyhaines31)

README reorganized by domain: Code Quality, Frontend, Backend,
Auth, AI/Agent Building, Marketing, Design, Meta.

Mosaic Stack is not limited to coding — the Orchestrator serves
coding, business, design, marketing, writing, logistics, and analysis.

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

skills/referral-program/references/program-examples.md

@@ -0,0 +1,134 @@
+# Referral Program Examples
+
+Real-world examples of successful referral programs.
+
+## Dropbox (Classic)
+
+**Program:** Give 500MB storage, get 500MB storage
+
+**Why it worked:**
+- Reward directly tied to product value
+- Low friction (just an email)
+- Both parties benefit equally
+- Gamified with progress tracking
+
+---
+
+## Uber/Lyft
+
+**Program:** Give $10 ride credit, get $10 when they ride
+
+**Why it worked:**
+- Immediate, clear value
+- Double-sided incentive
+- Easy to share (code/link)
+- Triggered at natural moments
+
+---
+
+## Morning Brew
+
+**Program:** Tiered rewards for subscriber referrals
+- 3 referrals: Newsletter stickers
+- 5 referrals: T-shirt
+- 10 referrals: Mug
+- 25 referrals: Hoodie
+
+**Why it worked:**
+- Gamification drives ongoing engagement
+- Physical rewards are shareable (more referrals)
+- Low cost relative to subscriber value
+- Built status/identity
+
+---
+
+## Notion
+
+**Program:** $10 credit per referral (education)
+
+**Why it worked:**
+- Targeted high-sharing audience (students)
+- Product naturally spreads in teams
+- Credit keeps users engaged
+
+---
+
+## Incentive Types Comparison
+
+| Type | Pros | Cons | Best For |
+|------|------|------|----------|
+| Cash/credit | Universally valued | Feels transactional | Marketplaces, fintech |
+| Product credit | Drives usage | Only valuable if they'll use it | SaaS, subscriptions |
+| Free months | Clear value | May attract freebie-seekers | Subscription products |
+| Feature unlock | Low cost to you | Only works for gated features | Freemium products |
+| Swag/gifts | Memorable, shareable | Logistics complexity | Brand-focused companies |
+| Charity donation | Feel-good | Lower personal motivation | Mission-driven brands |
+
+---
+
+## Incentive Sizing Framework
+
+**Calculate your maximum incentive:**
+```
+Max Referral Reward = (Customer LTV × Gross Margin) - Target CAC
+```
+
+**Example:**
+- LTV: $1,200
+- Gross margin: 70%
+- Target CAC: $200
+- Max reward: ($1,200 × 0.70) - $200 = $640
+
+**Typical referral rewards:**
+- B2C: $10-50 or 10-25% of first purchase
+- B2B SaaS: $50-500 or 1-3 months free
+- Enterprise: Higher, often custom
+
+---
+
+## Viral Coefficient & Metrics
+
+### Key Metrics
+
+**Viral coefficient (K-factor):**
+```
+K = Invitations × Conversion Rate
+
+K > 1 = Viral growth (each user brings more than 1 new user)
+K < 1 = Amplified growth (referrals supplement other acquisition)
+```
+
+**Example:**
+- Average customer sends 3 invitations
+- 15% of invitations convert
+- K = 3 × 0.15 = 0.45
+
+**Referral rate:**
+```
+Referral Rate = (Customers who refer) / (Total customers)
+```
+
+Benchmarks:
+- Good: 10-25% of customers refer
+- Great: 25-50%
+- Exceptional: 50%+
+
+**Referrals per referrer:**
+
+Benchmarks:
+- Average: 1-2 referrals per referrer
+- Good: 2-5
+- Exceptional: 5+
+
+### Calculating Referral Program ROI
+
+```
+Referral Program ROI = (Revenue from referred customers - Program costs) / Program costs
+
+Program costs = Rewards paid + Tool costs + Management time
+```
+
+**Track separately:**
+- Cost per referred customer (CAC via referral)
+- LTV of referred customers (often higher than average)
+- Payback period for referral rewards