docs: section 17 → Kiowa + Attorney, remove personal note (goes via Slack)

- Network: GL-X3000 Spitz AX (5G+WiFi6), GMKtec G11 (Fedora WS+VyOS+Podman), TP-Link TL-SG208PE (PoE), Marquis cameras, ULTRALOQ, UPS
- Removed: MikroTik CRS112, MikroTik wAP ax, ZOSI NVR, AirTag (insurance covers theft)
- Added: T-00/network/README.md (full config outline, VLANs, firewall rules, fleet scaling, Jitsi)
- Updated: materials.csv with final networking BOM (,041)
- Added: supplier-research.html (CiboWares official, Bendix, GFS, Dean Supply)
- Added: purchase-pricing.csv (per-unit costs + 600% markup grid)
- Updated: business-plan.html (8/hr manager, ,240 PT, local sourcing 75%, high-traffic focus)
- Updated: corporate structure (removed Indian food truck)
- Kiowa meeting agenda updated (Flagstar/USDA closed, EASSI added)

.gitea/workflows/ci.yaml

@@ -0,0 +1,12 @@
+name: CI
+on: [pull_request]
+jobs:
+  check:
+    runs-on: ubuntu-latest
+    steps:
+      - uses: actions/checkout@v4
+      - uses: actions/setup-python@v5
+        with:
+          python-version: '3.11'
+      - run: pip install -r requirements.txt 2>/dev/null || true
+      - run: find . -name '*.py' -exec python -m py_compile {} +

businesses/00-holdings/.claude/settings.local.json

@@ -0,0 +1,8 @@
+{
+  "permissions": {
+    "allow": [
+      "Bash(pdftotext operations_agreement_review.pdf -)",
+      "Bash(pdftotext \"certificate-of-organization.pdf\" -)"
+    ]
+  }
+}

businesses/00-holdings/docs/REMINDERS.md

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+# SnS Network Solutions Holdings LLC — Compliance & Maintenance Reminders
+
+**Entity:** SnS Network Solutions Holdings LLC
+**State:** Indiana (St. Joseph County)
+**EIN:** 42-4099038
+**Formation date:** July 27, 2026
+**Registered agent:** Samuel S. James, 759 Boxwood Drive, South Bend, IN 46641
+**Admin domain:** snsnetworksolutions.net
+**Tools:** Google Workspace (Drive, Docs, Sheets, Calendar)
+
+---
+
+## Annual / Recurring Obligations
+
+### 1. Business Entity Report (every 2 years)
+
+| Field | Detail |
+|-------|--------|
+| **What** | Indiana Business Entity Report |
+| **Due** | Every 2 years, in your formation anniversary month (**July**) |
+| **First due** | **July 2028** |
+| **Cost** | $32 online |
+| **Where** | [INBiz](https://inbiz.in.gov) → My Filings → File a Report |
+| **Consequence of missing** | Administrative dissolution — the LLC ceases to exist in the eyes of the state |
+
+**How to file:**
+1. Log into INBiz (your account is already set up — see `inbiz-account-setup.md`)
+2. Navigate to your entity: SnS Network Solutions Holdings LLC
+3. Click "File a Report"
+4. Confirm: registered agent name/address, principal office, member name
+5. Pay $32 (card)
+6. Save the confirmation receipt to Google Drive → `Holdings/Compliance/`
+
+**Calendar reminder:** Set for June 1 of every even year (2028, 2030, 2032…) — gives you a full month buffer before the July deadline.
+
+---
+
+### 2. Registered Agent Obligation (ongoing)
+
+You are your own registered agent. This means:
+
+- You must be **available at 759 Boxwood Drive during normal business hours** to accept service of process (legal papers, state correspondence)
+- If you move, travel extended periods, or can't reliably be there — **appoint a commercial registered agent** ($100–300/yr) and update INBiz within 30 days of the change
+
+**If your address changes:**
+1. INBiz → entity → "Change of Registered Agent/Office"
+2. Update this document
+3. Update the Operating Agreement (§2)
+
+---
+
+### 3. Tax Filing (annual)
+
+| Field | Detail |
+|-------|--------|
+| **Federal** | As a single-member LLC, the entity is **disregarded** — report on your personal 1040 (Schedule C or Schedule E depending on activity) |
+| **Indiana state** | Indiana does not have a separate LLC annual tax/franchise tax. Your LLC income flows to your personal Indiana IT-40. |
+| **Due** | April 15 (same as personal return) — or extension deadline (October 15) |
+
+**When this changes:**
+- If you elect S-corp treatment → Form 1120-S due March 15 + K-1 to yourself
+- If you add members → partnership return (Form 1065) due March 15
+
+**For now:** Nothing extra to file. Your CPA handles it with your personal return. Just keep Holdings income/expenses tracked separately (even if $0).
+
+---
+
+### 4. Bookkeeping (ongoing — even if $0)
+
+Maintain a separate ledger for Holdings, even if nothing flows through it yet. This proves the entity is real and separate from you personally.
+
+**Minimum:**
+- Dedicated bank account (no personal transactions through it)
+- Track: any capital contributions, any distributions, any expenses (filing fees, LegalShield, domain renewal)
+- Year-end: produce a simple P&L and balance sheet (even if it's $32 filing fee and $0 revenue)
+
+**Tool:** Google Sheets → `Holdings/Financials/` — one sheet per year is fine until there's real volume.
+
+---
+
+### 5. Domain Renewal
+
+| Domain | Registrar | Renews | Cost |
+|--------|-----------|--------|------|
+| snsnetworksolutions.net | TBD — confirm | TBD — confirm | ~$12–15/yr |
+
+**Action:** Confirm the registrar and renewal date. Set a calendar reminder 30 days before expiry. Consider enabling auto-renew.
+
+---
+
+## One-Time Items (do once, then done)
+
+| Item | Status | Notes |
+|------|--------|-------|
+| Sign the Operating Agreement | **TODO** | Print, sign, date, scan to Drive `Holdings/Legal/` |
+| Open Holdings bank account | **TODO** | Bring: EIN letter (CP 575 G) + signed OA + certificate of organization |
+| Store formation docs in Drive | **TODO** | Certificate of org, EIN letter, signed OA, INBiz receipt → `Holdings/Legal/` |
+| Set calendar reminders | **TODO** | BER (June 1, 2028), domain renewal, LegalShield renewal |
+
+---
+
+## Subsidiary Formation Checklist (repeat per sub)
+
+When you form a new subsidiary under Holdings:
+
+1. Confirm name on INBiz
+2. File Articles of Organization ($95) — list Holdings LLC as sole member
+3. Get EIN for the sub (IRS online, free)
+4. Draft subsidiary operating agreement — Holdings as sole member
+5. Open subsidiary bank account (separate from Holdings and personal)
+6. Record the subsidiary in Holdings' decision log
+7. Set the sub's own BER reminder (2 years from its formation month)
+
+---
+
+## Key Dates Summary
+
+| Date | Event | Action |
+|------|-------|--------|
+| July 27, 2026 | Formation | Done ✅ |
+| **June 1, 2028** | BER reminder fires | File report on INBiz ($32) before end of July 2028 |
+| **July 2028** | BER deadline | Must be filed or entity faces admin dissolution |
+| Every 2 years after | BER | Repeat |
+| April 15 annually | Tax (personal return includes Holdings) | CPA handles — just provide the separate Holdings ledger |
+
+---
+
+## Where Things Live
+
+| What | Where |
+|------|-------|
+| Legal docs (signed OA, cert of org, EIN) | Google Drive → `Holdings/Legal/` |
+| Compliance receipts (BER confirmations) | Google Drive → `Holdings/Compliance/` |
+| Financials (ledger, P&L) | Google Sheets → `Holdings/Financials/` |
+| This repo (working docs, drafts, branding) | `sns-network-solutions/businesses/00-holdings/` |
+| Passwords/secrets | Bitwarden |
+
+---
+
+*This is a maintenance checklist, not legal advice. Confirm deadlines with your CPA and attorney.*

businesses/00-holdings/docs/inbiz-account-setup.md

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+# INBiz Account Registration — Answers on File
+
+Answers given during the INBiz account onboarding survey (not part of the
+actual Articles of Organization filing — this is the site's account setup
+questionnaire). Recorded here so the same answers can be reused/checked for
+consistency when registering future subsidiaries under the same INBiz account.
+
+**Date:** 2026-07-27
+
+| # | Question | Answer |
+|---|----------|--------|
+| 1 | What is your role? | Business Owner |
+| 2 | Primary reason for visiting INBiz? | Start a Business |
+| 3 | Which state services are you most interested in? | Start a Business (Register a business, Obtain Tax ID/FEIN) |
+| 4 | Size of business (number of employees)? | 0 — Holding company has no employees; it does no operating/client work (see `docs/operating-agreement.md` §1) |
+| 5 | Industry / NAICS code? | 551112 — Offices of Other Holding Companies |
+| 6 | Are you an Indiana resident? | Yes — St. Joseph County |

businesses/00-holdings/docs/kiowa-equity-framework.md

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+# Kiowa Equity & Vesting Framework — Legal / Paperwork / Business-Scout Role
+
+> **Draft / template — not legal advice.** Working draft for LegalShield / an
+> Indiana-licensed attorney and a CPA to review before granting any equity or
+> having Kiowa sign anything. Items in `[brackets]` need confirmation. This
+> framework is meant to be applied **fresh, per venture** — it is not a Holdings-level
+> equity grant. Kiowa is **not** a Member of SnS Network Solutions Holdings LLC;
+> Samuel S. James remains its sole owner (see `docs/operating-agreement.md`).
+
+## 1. Purpose and Scope
+
+This framework governs the Membership Interest granted to **`[Kiowa's full legal
+name]`** ("Kiowa") in any subsidiary LLC of SnS Network Solutions Holdings LLC
+("Holdings") that Kiowa originates, sources, or brings to Samuel S. James
+("Sam") for launch, starting with **Foodtruck1 LLC**. It is designed to be
+reused, with fresh numbers, for every future venture Kiowa brings — each
+venture gets its own independent grant and vesting clock; performance on one
+venture has no effect on any other.
+
+Kiowa's role per venture is legal/paperwork (entity formation, EIN
+applications) and business sourcing/scouting. Sam's role is to secure and
+contribute the venture's capital.
+
+## 2. The Grant
+
+- **Interest granted:** 15% Membership Interest in the specific subsidiary LLC.
+- **Cash contribution required:** $0. Kiowa contributes no capital; the
+  interest is granted for services (formation work + sourcing the venture).
+- **Holdings' interest:** the remaining 85% of that subsidiary is held by
+  Holdings, preserving Sam's ownership inside the holding structure (see
+  `../04-foodtruck1/requirements.md` for how this applies to Foodtruck1
+  specifically).
+- **Membership status:** Kiowa is admitted as a full Member (voting +
+  economic rights) of that subsidiary as of the **Formation Date**, subject to
+  the vesting and forfeiture terms in §3–§4 below.
+- **Formation Date** vs. **Opening Date:** the subsidiary's Formation Date
+  (Articles of Organization filed) may precede its **Opening Date** (the day
+  the venture actually begins revenue-generating operations — e.g., the day
+  Foodtruck1 first serves a paying customer). The vesting clock in §3 runs
+  from the **Opening Date**, not the Formation Date.
+  `[TODO: record the actual Opening Date for each venture in that venture's
+  own requirements/planning doc as soon as it occurs — this date controls
+  the entire vesting schedule below.]`
+
+## 3. Vesting Schedule
+
+Measured from the Opening Date, cumulative net profit is tracked against
+**Sam's total invested capital** in that specific venture (see §5 for both
+definitions).
+
+| Milestone | Vests | Condition |
+|---|---|---|
+| 3 months | 3.75% (cumulative 3.75%) | Time-based, unconditional |
+| 6 months | 3.75% (cumulative 7.50%) | Time-based, unconditional |
+| 9 months | 3.75% (cumulative 11.25%) | Time-based, unconditional |
+| 12 months | final 3.75% (cumulative 15.00%) | **Conditional** — only vests if cumulative net profit has reached **2x** Sam's invested capital by month 12 |
+
+**Acceleration.** If cumulative net profit reaches 2x Sam's invested capital
+at **any point before** the 12-month mark, Kiowa's interest immediately
+vests in full (15%), regardless of which quarter has or hasn't passed.
+
+**Forfeiture.** If cumulative net profit has **not** reached 2x Sam's
+invested capital by the 12-month mark, the final 3.75% tranche is
+**permanently forfeited** and reverts to Holdings. Kiowa retains whatever
+vested through month 9 (up to 11.25%, depending on how many quarterly
+milestones had passed). There is no later opportunity to earn the forfeited
+tranche back for that venture.
+`[TODO: confirm this is intended to be final/permanent, with no cure period —
+that is the current design.]`
+
+## 4. Per-Venture Independence
+
+Each venture Kiowa brings gets its own grant, its own Opening Date, its own
+invested-capital figure, and its own 12-month vesting clock, entirely
+independent of every other venture. Underperformance (or over-performance)
+on one venture has no bearing on her interest in any other.
+
+## 5. Definitions
+
+- **"Sam's invested capital"** — cumulative cash Sam or Holdings contributes
+  to that specific subsidiary, as recorded in that subsidiary's own capital
+  account (same mechanism as Holdings §6). Only actual contributed capital
+  counts — not the value of Sam's time, brand, or other in-kind
+  contributions, unless the parties agree in writing to value and include
+  those.
+- **"Cumulative net profit"** — the venture's net profit from the Opening
+  Date forward.
+  `[TODO — CPA review: define precisely — GAAP accrual vs. cash basis,
+  whether Kiowa's own compensation/draws (if any) are expensed before or
+  after this calculation, and how it's measured/certified (e.g., monthly
+  bookkeeping close) so there's no dispute at the 12-month checkpoint.]`
+
+## 6. Tax Treatment
+
+`[TODO — CPA/attorney review, before any grant is made:]`
+- This is intended to qualify as a **profits interest** (not a capital
+  interest) for federal tax purposes under Rev. Proc. 93-27 / 2001-43, so
+  that Kiowa does not recognize taxable income upon grant. This is most
+  straightforward for a brand-new venture with no existing value at grant
+  (e.g., Foodtruck1 pre-launch); confirm the analysis separately for any
+  future venture that already has value by the time Kiowa joins.
+- Because the interest carries a real forfeiture condition (§3), it likely
+  has a "substantial risk of forfeiture" for tax purposes regardless of it
+  being called a full grant on day one. **Recommend Kiowa file a protective
+  Section 83(b) election within 30 days of each grant date** — this is a
+  hard IRS deadline with no extensions, and it is the single highest-stakes
+  item in this entire arrangement if missed.
+- Confirm whether the subsidiary needs its own EIN/partnership return
+  implications once Kiowa is admitted (same multi-member consequences
+  already flagged in Holdings' own operating agreement §8).
+
+## 7. Relationship to Other Documents
+
+- Kiowa's confidentiality obligations (including access to Sam's personal
+  information during formation/EIN work) are governed separately by
+  `nda-formation-partner.md` — that NDA applies regardless of which
+  ventures she ends up vesting into.
+- Each subsidiary's own operating agreement (e.g., Foodtruck1's, still to be
+  drafted) should incorporate this framework's specific numbers for that
+  venture as the basis of Kiowa's Membership Interest, rather than repeating
+  bespoke terms — this doc is the source of truth for the deal logic.
+- "Maintaining her value" as a legal/paperwork/scout resource is **not**
+  itself a condition on the equity — it's deliberately left out of the
+  vesting/forfeiture mechanics because it isn't an objective, enforceable
+  standard. The 2x/12-month profit test is the sole trigger. If ongoing
+  service expectations need to be enforced separately, that belongs in a
+  services description, not the equity terms.
+
+---
+
+`[TODO — attorney review: confirm this entire framework, especially the
+repurchase/forfeiture mechanics and the 83(b) election timing, before
+granting any interest under it.]`

businesses/00-holdings/docs/kiowa-partnership-agreement.html

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+<!DOCTYPE html>
+<html lang="en">
+<head>
+<meta charset="UTF-8">
+<meta name="viewport" content="width=device-width, initial-scale=1.0">
+<title>Partnership & Equity Framework — Kiowa Scott</title>
+<style>
+  :root{
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+  footer{
+    text-align:center;
+    color:var(--muted);
+    font-size:.78rem;
+    padding:28px 24px 48px;
+  }
+  @media print{
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+    .doc{box-shadow:none;padding:24px 48px}
+    footer{display:none}
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+</head>
+<body>
+
+<div class="doc">
+
+  <div class="header">
+    <h1>PARTNERSHIP &amp; EQUITY FRAMEWORK</h1>
+    <div class="subtitle">SnS Network Solutions Holdings LLC — Kiowa Scott</div>
+  </div>
+
+  <div class="meta">
+    <div><b>Holding entity:</b> SnS Network Solutions Holdings LLC</div>
+    <div><b>Managing Member:</b> Samuel S. James (97%)</div>
+    <div><b>Partner:</b> Kiowa Scott</div>
+    <div><b>State:</b> Indiana</div>
+    <div><b>Effective:</b> ________________</div>
+  </div>
+
+  <div class="note">
+    <b>Not legal advice.</b> This is a working draft for LegalShield / attorney review.
+    Items in <em>[brackets]</em> need confirmation before signing. Neither party should
+    rely on this document until reviewed by an Indiana-licensed attorney and CPA.
+  </div>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>1. Purpose &amp; Scope</h2>
+  <p>This framework governs the Membership Interest granted to <b>Kiowa Scott</b>
+  ("Kiowa") in any subsidiary LLC of SnS Network Solutions Holdings LLC ("Holdings")
+  that Kiowa originates, sources, or manages for launch. It is applied <b>fresh, per
+  venture</b> — each venture gets its own independent grant, vesting clock, and
+  invested-capital figure. Performance on one venture has no effect on any other.</p>
+  <p>Kiowa is <b>not</b> a Member of Holdings itself. Samuel S. James remains Holdings'
+  controlling owner. This framework applies only at the subsidiary level.</p>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>2. Kiowa's Role (Per Venture)</h2>
+  <ul>
+    <li>Sourcing and scouting the business opportunity</li>
+    <li>Entity formation — Articles of Organization, EIN application, INBiz filings</li>
+    <li>Ongoing legal compliance — permits, renewals, filings, registered-agent duties</li>
+    <li>Management oversight — financial review, vendor coordination, ensuring profitability</li>
+    <li>Handling or coordinating any legal issues that arise in operations</li>
+  </ul>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>3. The Grant — Split Structure</h2>
+  <p>Total potential equity per venture: <b>15% Membership Interest</b>, split into two buckets:</p>
+
+  <table>
+    <tr><th>Bucket</th><th>Amount</th><th>Condition</th></tr>
+    <tr>
+      <td><b>Formation Grant</b></td>
+      <td>5%</td>
+      <td>Vests immediately on the <b>Formation Date</b> (date Articles of Organization are
+        filed). Payment for sourcing the venture and completing entity formation. <b>No
+        clawback.</b></td>
+    </tr>
+    <tr>
+      <td><b>Service Grant</b></td>
+      <td>10%</td>
+      <td>Vests in 4 equal quarterly tranches (2.5% each) from the <b>Opening Date</b>,
+        conditional on active service (see §4).</td>
+    </tr>
+  </table>
+
+  <div class="highlight">
+    <b>Formation Date</b> = day the subsidiary's Articles of Organization are filed with
+    the Indiana Secretary of State.<br>
+    <b>Opening Date</b> = day the venture begins revenue-generating operations (e.g., first
+    paying customer). The vesting clock starts here, not the Formation Date.
+  </div>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>4. Service Grant — Vesting Schedule</h2>
+  <p>Measured from the <b>Opening Date</b>:</p>
+
+  <table>
+    <tr><th>Milestone</th><th>Vests</th><th>Cumulative Total</th><th>Condition</th></tr>
+    <tr><td>Formation Date</td><td>5.0%</td><td>5.0%</td><td>Immediate — formation work complete</td></tr>
+    <tr><td>3 months</td><td>2.5%</td><td>7.5%</td><td>Actively performing duties</td></tr>
+    <tr><td>6 months</td><td>2.5%</td><td>10.0%</td><td>Actively performing duties</td></tr>
+    <tr><td>9 months</td><td>2.5%</td><td>12.5%</td><td>Actively performing duties</td></tr>
+    <tr><td>12 months</td><td>2.5%</td><td>15.0%</td><td>Actively performing duties</td></tr>
+  </table>
+
+  <h3>4.1 "Actively Performing" Defined</h3>
+  <p>At each quarterly milestone, Kiowa must be, at minimum:</p>
+  <ul>
+    <li>Handling or coordinating legal filings, permits, renewals, and regulatory compliance</li>
+    <li>Providing regular management oversight (financial reviews, vendor/operator
+      coordination, staffing decisions)</li>
+    <li>Responsive and available for Company business decisions within reasonable timeframes</li>
+    <li>Not in material breach of the NDA or operating agreement</li>
+  </ul>
+
+  <h3>4.2 Acceleration</h3>
+  <p>If cumulative net profit reaches <b>2× Sam's invested capital</b> at any point before
+  month 12, all remaining unvested service tranches vest immediately — Kiowa jumps to the
+  full 15%. This rewards exceptional performance without punishing normal first-year economics.</p>
+
+  <h3>4.3 Forfeiture / Separation</h3>
+  <p>If at any quarterly milestone Kiowa is <b>not</b> actively performing (she resigned,
+  became unresponsive, or was removed for cause), that tranche and all future tranches
+  <b>do not vest</b>. She keeps the 5% formation grant + any service tranches that already
+  vested. Unvested tranches revert to Holdings.</p>
+
+  <table>
+    <tr><th>Scenario</th><th>Kiowa Keeps</th></tr>
+    <tr><td>Quits before Opening Date (formation work done)</td><td>5%</td></tr>
+    <tr><td>Quits at month 2 (before first service tranche)</td><td>5%</td></tr>
+    <tr><td>Active through month 3, quits at month 5</td><td>7.5%</td></tr>
+    <tr><td>Active through month 9</td><td>12.5%</td></tr>
+    <tr><td>Active through month 12</td><td>15% (fully vested)</td></tr>
+    <tr><td>Business hits 2× at month 7, Kiowa active</td><td>15% (accelerated)</td></tr>
+  </table>
+
+  <p>No cure period. No re-earning forfeited tranches. Final and permanent.</p>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>5. Capital Contributions &amp; Buy-Up Option</h2>
+  <p>The default arrangement is that Kiowa contributes <b>$0 cash</b> — her equity is
+  earned through services. However, Kiowa may elect to invest her own capital into a
+  venture under the following terms:</p>
+
+  <h3>5.1 Buy-Up Mechanics</h3>
+  <ul>
+    <li><b>Additional equity available:</b> up to <b>10% additional Membership Interest</b>
+      beyond the 15% service/formation grant (maximum total: 25%)</li>
+    <li><b>Price:</b> at the same valuation as Sam's invested capital (i.e., $1 of Kiowa's
+      money buys the same % as $1 of Sam's money)</li>
+    <li><b>Timing:</b> capital must be contributed <b>before or on the Opening Date</b> —
+      this is a launch investment, not a mid-stream buy-in at a discount</li>
+    <li><b>Vesting:</b> capital-contributed equity vests <b>immediately</b> (she paid cash,
+      so no service condition — same as Sam's investment)</li>
+    <li><b>Cap:</b> Holdings must retain at least 51% of any subsidiary to maintain control.
+      Kiowa's total (service + capital) cannot exceed 49%.</li>
+  </ul>
+
+  <h3>5.2 How the Math Works</h3>
+  <p>If Sam invests $50,000 for Holdings' share, that $50,000 buys the "remaining"
+  percentage after Kiowa's service grant (85% under the default). Kiowa can buy additional
+  points at the same rate:</p>
+  <div class="highlight">
+    <b>Rate per point</b> = Sam's invested capital ÷ Sam's percentage<br>
+    Example: $50,000 ÷ 85% = $588.24 per 1% of Membership Interest<br>
+    Kiowa wants 10% more → contributes $5,882.35 at or before Opening Date
+  </div>
+  <p>The resulting cap table would be:</p>
+  <table>
+    <tr><th>Member</th><th>Interest</th><th>Capital</th><th>How Earned</th></tr>
+    <tr><td>Holdings (Sam)</td><td>75%</td><td>$50,000</td><td>Cash investment</td></tr>
+    <tr><td>Kiowa (service)</td><td>15%</td><td>$0</td><td>Formation + management (vesting)</td></tr>
+    <tr><td>Kiowa (capital)</td><td>10%</td><td>$5,882</td><td>Cash investment (immediate vest)</td></tr>
+    <tr><td><b>Total</b></td><td><b>100%</b></td><td><b>$55,882</b></td><td></td></tr>
+  </table>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>6. Per-Venture Independence</h2>
+  <p>Each venture Kiowa brings or manages gets its own:</p>
+  <ul>
+    <li>Grant (fresh 15% service + optional capital buy-up)</li>
+    <li>Opening Date and vesting clock</li>
+    <li>Invested-capital figure and acceleration threshold</li>
+    <li>Operating agreement</li>
+  </ul>
+  <p>Underperformance on one venture has no bearing on her interest in any other.
+  Overperformance on one does not accelerate another.</p>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>7. Distributions</h2>
+  <ul>
+    <li>The <b>5% formation grant</b> earns distributions from the Formation Date forward.</li>
+    <li><b>Service tranches</b> earn distributions only once vested — unvested tranches
+      do not participate in distributions.</li>
+    <li><b>Capital-contributed equity</b> earns distributions immediately (same as Sam's).</li>
+    <li>Distributions are pro rata to each Member's vested Membership Interest.</li>
+  </ul>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>8. Tax Treatment</h2>
+  <ul>
+    <li>The <b>formation + service grant</b> (15%) is intended as a <b>profits interest</b>
+      under Rev. Proc. 93-27 / 2001-43 — no taxable income to Kiowa on grant.</li>
+    <li>The <b>capital buy-up</b> is a straightforward capital contribution — not a profits
+      interest. Kiowa's tax basis equals her cash contributed.</li>
+    <li><b>Section 83(b) election:</b> Kiowa should file a protective 83(b) within 30 days
+      of each grant date. This is a <b>hard IRS deadline with no extensions</b> — the
+      single highest-stakes item in this arrangement.</li>
+    <li>Each two-member subsidiary files its own Form 1065 partnership return and issues
+      K-1s to both Members.</li>
+  </ul>
+  <div class="note">
+    <b>CPA review required</b> before any grant: confirm profits-interest qualification,
+    83(b) timing, and tiered-partnership filing mechanics between the subsidiary and Holdings.
+  </div>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>9. Confidentiality</h2>
+  <p>Kiowa's access to Sam's personal information (SSN, financial accounts, IRS
+  correspondence) during formation work is governed by a separate <b>Non-Disclosure
+  Agreement</b> (see <code>nda-formation-partner.md</code>). The NDA applies regardless
+  of which ventures she vests into and survives termination of any individual venture
+  relationship.</p>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>10. Definitions</h2>
+  <table>
+    <tr><th>Term</th><th>Meaning</th></tr>
+    <tr><td>"Holdings"</td><td>SnS Network Solutions Holdings LLC</td></tr>
+    <tr><td>"Sam"</td><td>Samuel S. James, authorized representative of Holdings</td></tr>
+    <tr><td>"Kiowa"</td><td>Kiowa Scott</td></tr>
+    <tr><td>"Formation Date"</td><td>Date Articles of Organization filed with IN Secretary of State</td></tr>
+    <tr><td>"Opening Date"</td><td>Date the venture begins revenue-generating operations</td></tr>
+    <tr><td>"Sam's invested capital"</td><td>Cumulative cash Holdings contributes to that subsidiary</td></tr>
+    <tr><td>"Cumulative net profit"</td><td>Venture's net profit from Opening Date forward</td></tr>
+    <tr><td>"Actively performing"</td><td>Meeting the duties defined in §4.1</td></tr>
+  </table>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>11. Worked Examples</h2>
+
+  <div class="example-box">
+    <h3>Example A — Food Truck (Service Only, No Capital Buy-Up)</h3>
+    <p><b>Setup:</b> Sam invests $60,000 in Foodtruck1 LLC (truck + build-out + working capital).
+    Kiowa does formation work and manages the business.</p>
+    <table>
+      <tr><th>Event</th><th>Kiowa's Vested %</th><th>Holdings' %</th></tr>
+      <tr><td>Formation Date (Articles filed)</td><td>5%</td><td>95%</td></tr>
+      <tr><td>Opening Date (first customer served)</td><td>5% (clock starts)</td><td>95%</td></tr>
+      <tr><td>Month 3 — Kiowa active, truck doing $8K/mo revenue</td><td>7.5%</td><td>92.5%</td></tr>
+      <tr><td>Month 6 — Kiowa active, truck profitable</td><td>10%</td><td>90%</td></tr>
+      <tr><td>Month 9 — Kiowa active</td><td>12.5%</td><td>87.5%</td></tr>
+      <tr><td>Month 12 — Kiowa active, cumulative profit $45K (below 2× $60K)</td><td>15%</td><td>85%</td></tr>
+    </table>
+    <p><b>Result:</b> Kiowa fully vests at 15% through service alone. The 2× test wasn't hit,
+    so no acceleration — but she wasn't penalized either. She earned it by showing up every quarter.</p>
+    <p><b>Distributions:</b> From month 6 onward (when truck starts netting ~$4K/mo profit),
+    Kiowa gets 10% × $4,000 = <b>$400/mo</b> in distributions (growing as her vested % increases).</p>
+  </div>
+
+  <div class="example-box">
+    <h3>Example B — Food Truck (Kiowa Invests Her Own Money)</h3>
+    <p><b>Setup:</b> Same $60,000 truck. But Kiowa believes in this one and wants more skin in
+    the game. She contributes $7,059 of her own cash at launch.</p>
+    <p><b>Math:</b> Sam's rate = $60,000 ÷ 85% = $705.88 per 1%. Kiowa's $7,059 buys 10% additional.</p>
+    <table>
+      <tr><th>Member</th><th>Interest</th><th>Capital In</th><th>Type</th></tr>
+      <tr><td>Holdings</td><td>75%</td><td>$60,000</td><td>Cash</td></tr>
+      <tr><td>Kiowa (service)</td><td>15%</td><td>$0</td><td>Vesting per §4</td></tr>
+      <tr><td>Kiowa (capital)</td><td>10%</td><td>$7,059</td><td>Immediate (cash)</td></tr>
+      <tr><td><b>Total</b></td><td><b>100%</b></td><td><b>$67,059</b></td><td></td></tr>
+    </table>
+    <p><b>Day 1 (Opening Date):</b> Kiowa already holds 5% (formation, vested) + 10% (capital,
+    vested) = <b>15% vested immediately</b>, earning distributions from day one. Her service
+    tranches continue vesting quarterly toward a max of <b>25% total</b>.</p>
+    <p><b>Month 6:</b> Kiowa active → she's now at 5% + 5% (two service tranches) + 10% (capital)
+    = <b>20% vested</b>.</p>
+    <p><b>Month 12:</b> Fully vested → <b>25% total</b>. Holdings holds 75%.</p>
+    <p><b>Distributions at month 12:</b> If the truck nets $6K/mo, Kiowa gets 25% × $6,000 =
+    <b>$1,500/mo</b>. Plus she gets 25% of any year-end profit distribution.</p>
+    <p><b>Why Kiowa might do this:</b> her $7,059 investment is earning distributions from day
+    one (no vesting wait), and she's betting that 25% of a profitable food truck is worth far
+    more than $7K within a year or two. If the truck does $72K/yr net profit, her 25% = $18K/yr
+    return on a $7K investment. That's a 257% annual return.</p>
+  </div>
+
+  <div class="example-box">
+    <h3>Example C — Second Venture (Kiowa Scouts a Laundromat)</h3>
+    <p><b>Setup:</b> Kiowa finds a laundromat opportunity. Sam invests $120,000. Kiowa invests
+    $14,118 (buys another 10%). Completely separate from Foodtruck1.</p>
+    <table>
+      <tr><th>Member</th><th>Interest</th><th>Capital</th></tr>
+      <tr><td>Holdings</td><td>75%</td><td>$120,000</td></tr>
+      <tr><td>Kiowa (service)</td><td>15%</td><td>$0</td></tr>
+      <tr><td>Kiowa (capital)</td><td>10%</td><td>$14,118</td></tr>
+    </table>
+    <p><b>Month 5:</b> The laundromat crushes it — cumulative net profit hits $240,000 (2× Sam's
+    $120K). Kiowa's service tranches <b>accelerate</b> → she immediately jumps to 25% fully
+    vested. No waiting for months 6, 9, 12.</p>
+    <p><b>Meanwhile, Foodtruck1</b> is still on its own clock, unaffected. If it's struggling,
+    Kiowa's laundromat success doesn't help or hurt her food truck equity.</p>
+  </div>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>12. Amendments</h2>
+  <p>This framework may be amended only by written agreement signed by both Sam and Kiowa.
+  Each subsidiary's operating agreement incorporates this framework's terms for that
+  specific venture — amendments to this framework do not retroactively change terms already
+  locked into a signed subsidiary operating agreement.</p>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <h2>13. Governing Law</h2>
+  <p>This Agreement is governed by the laws of the <b>State of Indiana</b>. Each subsidiary
+  operating agreement is also governed by Indiana law unless otherwise specified therein.</p>
+
+  <!-- ═══════════════════════════════════════════════ -->
+  <div class="sig-block">
+    <h2 style="margin-top:0">Execution</h2>
+    <p>The undersigned acknowledge and agree to this Partnership & Equity Framework as of
+    the Effective Date first written above.</p>
+
+    <p style="margin-top:28px;font-weight:700;color:var(--navy)">HOLDINGS — Samuel S. James</p>
+    <div class="sig-line"></div>
+    <div class="sig-label">Signature</div>
+    <p><b>Printed name:</b> Samuel S. James</p>
+    <p><b>Title:</b> Managing Member, SnS Network Solutions Holdings LLC</p>
+    <div class="sig-line" style="width:35%"></div>
+    <div class="sig-label">Date</div>
+
+    <p style="margin-top:28px;font-weight:700;color:var(--navy)">PARTNER — Kiowa Scott</p>
+    <div class="sig-line"></div>
+    <div class="sig-label">Signature</div>
+    <p><b>Printed name:</b> Kiowa Scott</p>
+    <div class="sig-line" style="width:35%"></div>
+    <div class="sig-label">Date</div>
+  </div>
+
+</div>
+
+<footer>
+  Draft — Review with an Indiana-licensed attorney and CPA before signing.<br>
+  SnS Network Solutions Holdings LLC &bull; 759 Boxwood Drive, South Bend, IN 46641
+</footer>
+
+</body>
+</html>

businesses/00-holdings/docs/legal-services.md

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+# Legal Services — On File
+
+**Provider:** LegalShield
+**Plan:** Legal Small Business Basic
+**Membership #:** 10179059992
+**Cost:** $59.95/mo
+**Enrolled:** 2026-07-27
+
+## Use this for
+The attorney-review items flagged throughout `docs/operating-agreement.md` /
+`docs/operating-agreement.html` — currently:
+- §8 Tax Treatment (classification across parent + subsidiaries)
+- §9 Liability and Indemnification (scope/exceptions)
+- §10 Succession on Death or Incapacity (successor order, age-40 conditions, trust
+  structure, Durable Power of Attorney)
+- §11 Transfer of Membership Interest (economic vs. management rights, security
+  interests, single-member status)
+
+Also the intended channel for the estate-planning side of §10 (will/trust naming
+Ethan and Micah's age-40 condition, trustee designation) — confirm whether the
+Small Business Basic plan covers estate planning or whether that needs a separate
+LegalShield add-on / referral.

businesses/00-holdings/docs/nda-formation-partner.md

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+# Non-Disclosure Agreement — Business Formation & Personal Information
+
+> **Draft / template — not legal advice.** Working draft for LegalShield / an
+> Indiana-licensed attorney to review before either party signs. Items in
+> `[brackets]` need to be filled in or confirmed with counsel.
+
+**Disclosing Party:** Samuel S. James, individually, and in his capacity as sole
+member of SnS Network Solutions Holdings LLC ("Holdings"), on behalf of Holdings and
+its current and future subsidiaries (collectively, the "Company")
+
+**Receiving Party:** `Kiowa Scott`, of `[address]`
+
+**Effective date:** `[date]`
+
+---
+
+## 1. Purpose
+
+The Receiving Party is assisting the Company with (a) preparing and filing business
+formation paperwork (e.g., Articles of Organization with the Indiana Secretary of
+State / INBiz) for new subsidiary entities, (b) applying for Employer Identification
+Numbers (EINs) with the IRS on behalf of those subsidiaries, and (c) participating as
+a Member of Foodtruck1 LLC, the Company's first subsidiary venture in which the
+Receiving Party holds a direct ownership interest (together, the "Purpose"). This
+Agreement governs the Receiving Party's access to and use of Confidential Information
+in connection with the Purpose.
+
+## 2. Confidential Information
+
+"Confidential Information" means any non-public information disclosed to or
+accessed by the Receiving Party in connection with the Purpose, including without
+limitation:
+
+- **Personal information of Samuel S. James**, including Social Security Number,
+  date of birth, home address, banking and financial account details, government-
+  issued identification numbers, and information contained in IRS or state
+  correspondence (e.g., EIN confirmation notices, Secretary of State filings);
+- Business and financial information of Holdings and any subsidiary not yet public,
+  including formation plans, ownership structure, financial statements, bank account
+  information, contracts, and business strategy;
+- For Foodtruck1 LLC specifically, any menu, recipe, supplier, pricing, staffing, or
+  operational information not yet public, even though the Receiving Party is a Member
+  of that entity — this Agreement governs the Receiving Party's obligations **to
+  third parties**, not access between Members themselves.
+
+Confidential Information does **not** include information that: (a) is or becomes
+publicly available through no fault of the Receiving Party; (b) was already
+lawfully known to the Receiving Party before disclosure, as shown by contemporaneous
+written records; (c) is independently developed without use of the Confidential
+Information; or (d) is required to be disclosed by law, court order, or government
+authority, provided the Receiving Party gives the Disclosing Party prompt written
+notice (where legally permitted) before disclosing.
+
+## 3. Obligations of the Receiving Party
+
+The Receiving Party shall:
+
+- Use Confidential Information **solely** for the Purpose;
+- Not disclose Confidential Information to any third party without the Disclosing
+  Party's prior written consent, except as required to complete a specific filing
+  (e.g., submitting information to the Indiana Secretary of State or the IRS as part
+  of the Purpose itself);
+- Protect Confidential Information with at least the same degree of care used to
+  protect the Receiving Party's own confidential information, and no less than
+  reasonable care (e.g., not storing Social Security Numbers or banking details in
+  unsecured files, shared drives, or unencrypted messages);
+- Not use Confidential Information for the Receiving Party's own benefit or any
+  purpose outside the Purpose (for example, not using Samuel S. James's personal
+  information to open accounts, apply for credit, or take any action unrelated to
+  the specific filings the Receiving Party is authorized to make);
+- Return or securely destroy all Confidential Information (including copies, in any
+  form) upon the Disclosing Party's request or upon completion of the Purpose,
+  whichever comes first, except for records the Receiving Party is legally required
+  to retain (e.g., copies of filings she submitted on the Company's behalf).
+
+## 4. Term
+
+This Agreement is effective as of the date above and continues for as long as the
+Receiving Party is engaged in the Purpose, and survives termination of that
+engagement:
+- **Indefinitely**, with respect to Samuel S. James's personal information (SSN,
+  financial account details, and similar sensitive personal identifiers); and
+- For **`[X years — TODO: confirm with counsel, e.g., 3–5 years]`** after the
+  engagement ends, with respect to all other Confidential Information.
+
+Termination of the Receiving Party's paperwork/formation role does not, by itself,
+affect her separate rights as a Member of Foodtruck1 LLC, which are governed by that
+entity's own operating agreement.
+
+## 5. No License; No Employment or Membership Created by This Agreement
+
+Nothing in this Agreement grants the Receiving Party any ownership, license, or
+intellectual property rights in the Company's brand, IP, or business, except to the
+extent (if any) separately granted in writing (e.g., her Membership Interest in
+Foodtruck1 LLC under that entity's operating agreement). This Agreement, by itself,
+does not create an employment relationship, a partnership, or membership in Holdings
+or any subsidiary other than Foodtruck1.
+
+## 6. Remedies
+
+The Receiving Party acknowledges that unauthorized disclosure or use of Confidential
+Information — particularly personal information such as a Social Security Number —
+may cause irreparable harm for which monetary damages alone may be inadequate, and
+that the Disclosing Party is entitled to seek injunctive relief in addition to any
+other remedies available at law or equity.
+`[TODO — attorney review: confirm remedies clause and consider whether a liquidated
+damages provision is appropriate given the sensitivity of SSN/personal financial data.]`
+
+## 7. Governing Law
+
+This Agreement is governed by and construed in accordance with the laws of the
+**State of Indiana**, without regard to conflict-of-law principles.
+
+## 8. Miscellaneous
+
+- **Entire agreement.** This Agreement constitutes the entire understanding between
+  the parties regarding confidentiality of the information described above and
+  supersedes any prior oral or written understanding on that subject.
+- **Amendment.** This Agreement may only be amended in a writing signed by both
+  parties.
+- **Severability.** If any provision is held invalid or unenforceable, the remaining
+  provisions remain in full force and effect.
+`[TODO — attorney review: consider whether this NDA should instead be incorporated
+into (or accompanied by) a broader services/independent-contractor agreement covering
+her paperwork/formation role, separate from her rights as a Foodtruck1 Member, which
+belong in Foodtruck1's own operating agreement.]`
+
+---
+
+## Execution
+
+**DISCLOSING PARTY**
+
+Signature: ______________________________________
+
+Printed name: **Samuel S. James**, individually and on behalf of SnS Network
+Solutions Holdings LLC
+
+Date: ______________________________________
+
+<br>
+
+**RECEIVING PARTY**
+
+Signature: ______________________________________
+
+Printed name: **`Kiowa Scott`**
+
+Date: ______________________________________
+
+<br>
+
+*Prepared as a working draft. Review with an Indiana-licensed attorney (e.g., via
+LegalShield — see `legal-services.md`) before either party signs.*

businesses/00-holdings/docs/operating-agreement.html

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+<!DOCTYPE html>
+<html lang="en">
+<head>
+<meta charset="UTF-8">
+<meta name="viewport" content="width=device-width, initial-scale=1.0">
+<title>Operating Agreement — SnS Network Solutions Holdings LLC</title>
+<style>
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+  .definitions dd{margin:2px 0 0}
+  .execution{
+    margin-top:56px;
+    padding-top:24px;
+    border-top:2px solid var(--navy);
+  }
+  .sig-line{
+    margin:28px 0 6px;
+    border-bottom:1px solid var(--ink);
+    width:70%;
+    height:28px;
+  }
+  .sig-label{font-size:.85rem;color:var(--muted);margin-bottom:22px}
+  footer{
+    text-align:center;
+    color:var(--muted);
+    font-size:.8rem;
+    padding:28px 24px 48px;
+  }
+  @media print{
+    body{background:#fff}
+    .doc{box-shadow:none;padding:0 8px}
+    footer{display:none}
+  }
+</style>
+</head>
+<body>
+
+<div class="doc">
+
+  <div class="letterhead">
+    <div class="doctitle">
+      <h1>OPERATING AGREEMENT</h1>
+      <div class="entity">SnS Network Solutions Holdings LLC</div>
+    </div>
+  </div>
+
+  <div class="meta-bar">
+    <div><b>Entity type:</b> Single-Member LLC</div>
+    <div><b>State of formation:</b> Indiana</div>
+    <div><b>EIN:</b> 42-4099038</div>
+    <div><b>Effective date:</b> July 28, 2026</div>
+  </div>
+
+  <h2>1. Formation and Purpose</h2>
+  <p>This Operating Agreement (the "Agreement") is entered into by the undersigned sole
+  Member, <b>Samuel S. James</b> (the "Member"), to govern the operations of
+  <b>SnS Network Solutions Holdings LLC</b>, a limited liability company organized under
+  the Indiana Business Flexibility Act (Indiana Code § 23-18).</p>
+  <p>The Company is organized as a long-term holding company whose purpose is to acquire,
+  own, manage, protect, and preserve ownership interests in subsidiary companies,
+  intellectual property, real property, investments, and other business assets. The Company
+  exists to provide centralized ownership, governance, and long-term stewardship of its
+  affiliated enterprises.</p>
+  <p>The Company is formed to act as a <b>holding company</b>. Its primary purpose is to own,
+  manage, and oversee its subsidiary entities and other business interests. The Company
+  is not intended to engage in operating or client-facing business, and the Member shall
+  conduct the Company's affairs so that any direct operating activities remain incidental
+  to the Company's primary purpose as a holding company.</p>
+
+  <h2>2. Registered Office and Registered Agent</h2>
+  <ul>
+    <li><b>Principal office:</b> 759 Boxwood Drive, South Bend, IN 46641</li>
+    <li><b>Registered agent:</b> Samuel S. James, serving as his own registered agent.</li>
+    <li><b>Registered office address:</b> 759 Boxwood Drive, South Bend, IN 46641</li>
+  </ul>
+  <p>The Member may change the principal office or registered agent at any time, consistent
+  with Indiana filing requirements.</p>
+
+  <h2>3. Member and Ownership</h2>
+  <p>The sole Member of the Company is <b>Samuel S. James</b>, who holds <b>100%</b> of the
+  Membership Interest. As the only member, the Member is entitled to all allocations,
+  distributions, and voting rights of the Company.</p>
+
+  <h2>4. Management</h2>
+  <p>The Company shall be <b>Member-managed</b>. The Member has full and exclusive authority
+  to make all decisions regarding the Company's business, including, without limitation:</p>
+  <ul>
+    <li>Forming, acquiring, financing, and managing subsidiary entities;</li>
+    <li>Opening and controlling bank and financial accounts;</li>
+    <li>Entering into contracts and acquiring, owning, licensing, protecting, assigning, and
+      managing trademarks, service marks, trade names, domain names, copyrights, software,
+      proprietary systems, trade secrets, patents, marketing assets, branding, and other
+      intellectual property or business assets for itself or any subsidiary;</li>
+    <li>Admitting new members (which would require amending this Agreement — see §12).</li>
+  </ul>
+
+  <h2>5. Subsidiary Management</h2>
+  <p>The Company is authorized to form, acquire, and hold interests in subsidiary limited
+  liability companies and other entities. The Company shall act as the <b>sole member</b>
+  (or controlling owner) of such subsidiaries so that the parent–subsidiary relationship
+  is clearly maintained.</p>
+  <p>To preserve limited-liability protection for the Company, the Member, and each
+  subsidiary, the Member shall:</p>
+  <ul>
+    <li>Keep the Company's assets, accounts, and records <b>separate</b> from those of every
+      subsidiary and from any Member's personal affairs (no commingling of funds);</li>
+    <li>Document ownership of each subsidiary (the Company as sole member) in that
+      subsidiary's own operating agreement;</li>
+    <li>Observe ordinary formalities for the Company and each subsidiary.</li>
+  </ul>
+
+  <h2>6. Capital Contributions and Distributions</h2>
+  <ul>
+    <li><b>Capital contributions:</b> The Member may contribute capital to the Company as
+      needed. Contributions are recorded in the Company's books.</li>
+    <li><b>Distributions:</b> Distributions of available cash or profits are made to the
+      Member at the times and in the amounts the Member determines, subject to the
+      Company's financial obligations and applicable law (the Company may not make a
+      distribution that would render it unable to pay its debts as they come due).</li>
+  </ul>
+
+  <h2>7. Bank Accounts, Books, and Records</h2>
+  <ul>
+    <li>The Company shall maintain <b>its own bank account(s)</b>, separate from the Member's
+      personal accounts and from every subsidiary's accounts.</li>
+    <li>The Company shall keep accurate books and records of its finances, ownership interests
+      in subsidiaries, and material decisions.</li>
+    <li>Records shall be maintained at the principal office and retained as required by
+      Indiana law.</li>
+  </ul>
+
+  <h2>8. Tax Treatment</h2>
+  <p>As a single-member LLC, the Company is by default treated as a <b>disregarded entity</b>
+  for U.S. federal income tax purposes; its income and expenses are reported on the
+  Member's individual return. The Member may elect a different classification (for
+  example, S-corporation treatment) by filing the appropriate IRS election.</p>
+  <ul>
+    <li><b>EIN:</b> 42-4099038 (IRS Notice CP575G, issued July 27, 2026)</li>
+    <li><b>Fiscal year:</b> Calendar year (January 1 – December 31)</li>
+  </ul>
+
+  <h2>9. Liability and Indemnification</h2>
+  <p>To the fullest extent permitted by Indiana law:</p>
+  <ul>
+    <li>The Member shall <b>not be personally liable</b> for the debts, obligations, or
+      liabilities of the Company solely by reason of being a member; and</li>
+    <li>The Company shall <b>indemnify and hold harmless</b> the Member (and any authorized
+      manager or agent) against claims, losses, and expenses arising from the good-faith
+      management of the Company, except for acts of fraud, willful misconduct, or bad
+      faith.</li>
+  </ul>
+
+  <h2>10. Succession on Death or Incapacity</h2>
+  <p>If the Member dies or becomes permanently incapacitated, the Member's Membership
+  Interest shall pass to the Member's successor(s) in interest as determined by applicable
+  Indiana law, the Member's will, or other estate disposition.</p>
+  <p>The successor(s) receiving the Member's interest shall be admitted as Member(s) with
+  the same rights the Member held.</p>
+  <p>The Company shall <b>not dissolve</b> solely because of the Member's death or
+  incapacity, and shall continue under the successor Member(s).</p>
+
+  <h2>11. Transfer of Membership Interest</h2>
+  <ul>
+    <li>The Member may assign, pledge, or transfer all or part of the Membership Interest
+      at the Member's discretion.</li>
+    <li>Any transferee that is to hold voting and management rights (rather than purely
+      economic rights) is admitted as a member only upon amendment of this Agreement
+      under §12.</li>
+  </ul>
+
+  <h2>12. Amendments</h2>
+  <p>This Agreement may be amended only by a <b>written instrument signed by the
+  Member</b> (and by all members if additional members are later admitted). Amendments are
+  effective on the date stated in the amendment.</p>
+
+  <h2>13. Dissolution</h2>
+  <p>The Company shall continue in perpetuity unless dissolved by:</p>
+  <ul>
+    <li>The written election of the Member; or</li>
+    <li>Operation of Indiana law.</li>
+  </ul>
+  <p>Upon dissolution, the Company's assets shall be applied first to creditors (including
+  the Member, if owed), then distributed to the Member, after which Articles of
+  Dissolution shall be filed with the Indiana Secretary of State.</p>
+
+  <h2>14. Governing Law and Severability</h2>
+  <p>This Agreement is governed by and construed in accordance with the laws of the <b>State
+  of Indiana</b>. If any provision is held invalid or unenforceable, the remaining
+  provisions remain in full force and effect.</p>
+
+  <h2>15. Definitions</h2>
+  <dl class="definitions">
+    <dt>"Company"</dt><dd>SnS Network Solutions Holdings LLC.</dd>
+    <dt>"Member"</dt><dd>Samuel S. James, and any successor or additional member admitted under this Agreement.</dd>
+    <dt>"Membership Interest"</dt><dd>the Member's ownership, economic, and (unless limited) management rights in the Company.</dd>
+    <dt>"Subsidiary"</dt><dd>any entity in which the Company holds a controlling or sole-member interest.</dd>
+  </dl>
+
+  <div class="execution">
+    <h2 style="margin-top:0">Execution</h2>
+    <p>The undersigned, being the sole Member of SnS Network Solutions Holdings LLC, adopts
+    and agrees to this Operating Agreement as of the Effective Date first written above.</p>
+
+    <p style="margin-top:28px;font-weight:700;letter-spacing:.5px;color:var(--navy)">SOLE MEMBER</p>
+    <div class="sig-line"></div>
+    <div class="sig-label">Signature</div>
+    <p style="margin:0"><b>Printed name:</b> Samuel S. James</p>
+    <div class="sig-line" style="width:40%"></div>
+    <div class="sig-label">Date</div>
+  </div>
+
+</div>
+
+<footer>
+  Review with an Indiana-licensed attorney before signing.
+</footer>
+
+</body>
+</html>

businesses/00-holdings/docs/operating-agreement.md

@@ -0,0 +1,225 @@
+# Operating Agreement for SnS Network Solutions Holdings LLC
+
+**Entity:** SnS Network Solutions Holdings LLC (the "Company")
+**State of formation:** Indiana
+**EIN:** 42-4099038
+**Effective date:** July 28, 2026
+
+---
+
+## 1. Formation and Purpose
+
+This Amended and Restated Operating Agreement (the "Agreement") is entered into by the
+undersigned Members, **Samuel S. James**, **Annie Deondria Chatman**, and
+**Richard E. Williams** (each a "Member" and collectively the "Members"), to govern
+the operations of **SnS Network Solutions Holdings LLC**, a limited liability company
+organized under the Indiana Business Flexibility Act (Indiana Code § 23-18). This
+Agreement amends and restates the Company's original single-member operating agreement
+in full, admitting Annie Deondria Chatman and Richard E. Williams as Members effective
+as of the date above.
+
+The Company is formed to act as a **holding company**. Its primary purpose is to own,
+manage, and oversee its subsidiary entities and other business interests. The Company
+is not intended to engage in operating or client-facing business, and the Members shall
+conduct the Company's affairs so as to avoid incurring operating liabilities directly.
+
+## 2. Registered Office and Registered Agent
+
+- **Principal office:** 759 Boxwood Drive, South Bend, IN 46641
+- **Registered agent:** Samuel S. James (a Member), serving as his own registered agent.
+- **Registered office address:** 759 Boxwood Drive, South Bend, IN 46641
+
+Samuel S. James, as the Member serving in this role, may change the principal office
+or registered agent at any time, consistent with Indiana filing requirements.
+
+## 3. Members and Ownership
+
+The Company has three Members, holding the following Membership Interests:
+
+| Member | Membership Interest |
+|--------|---------------------|
+| Samuel S. James | 97% |
+| Annie Deondria Chatman | 1% |
+| Richard E. Williams | 2% |
+
+Each Member is admitted with full membership rights — voting, management
+participation, and economic rights (allocations and distributions) — in proportion to
+their Membership Interest, except as otherwise stated in this Agreement. Allocations of
+profit and loss for tax purposes are made in proportion to each Member's Membership
+Interest, unless the Members otherwise agree in writing and as permitted by applicable
+tax requirements.
+
+## 4. Management
+
+The Company shall be **Member-managed**. Each Member has voting rights in proportion to
+their Membership Interest as set out in §3. Actions and decisions of the Company
+require the approval of Members holding a **majority of the Membership Interests**.
+Because Samuel S. James holds 97% of the Membership Interests, he retains sole
+authority to approve or reject any Company decision, including, without limitation:
+
+- Forming, acquiring, financing, and managing subsidiary entities;
+- Opening and controlling bank and financial accounts;
+- Entering into contracts and holding the Company's brand, intellectual property, and
+  other assets;
+- Admitting new members (which would require amending this Agreement — see §12).
+
+Samuel S. James is designated the Company's day-to-day managing Member, with authority
+to conduct ordinary business on the Company's behalf without a separate vote of the
+other Members.
+
+## 5. Subsidiary Management
+
+The Company is authorized to form, acquire, and hold interests in subsidiary limited
+liability companies and other entities. The Company shall act as the **sole member**
+(or controlling owner) of such subsidiaries so that the parent–subsidiary relationship
+is clearly maintained.
+
+To preserve limited-liability protection for the Company, the Members, and each
+subsidiary, the managing Member shall:
+
+- Keep the Company's assets, accounts, and records **separate** from those of every
+  subsidiary and from any Member's personal affairs (no commingling of funds);
+- Document ownership of each subsidiary (the Company as sole member) in that
+  subsidiary's own operating agreement;
+- Observe ordinary formalities for the Company and each subsidiary.
+
+## 6. Capital Contributions and Distributions
+
+- **Capital contributions:** Members may contribute capital to the Company as needed and
+  as agreed among the Members. Contributions are recorded in the Company's books against
+  each Member's capital account.
+- **Distributions:** Distributions of available cash or profits are made to the Members
+  **pro rata in proportion to their Membership Interests**, at the times and in the
+  amounts the managing Member determines under §4, subject to the Company's financial
+  obligations and applicable law (the Company may not make a distribution that would
+  render it unable to pay its debts as they come due).
+
+## 7. Bank Accounts, Books, and Records
+
+- The Company shall maintain **its own bank account(s)**, separate from any Member's
+  personal accounts and from every subsidiary's accounts.
+- The Company shall keep accurate books and records of its finances, ownership interests
+  in subsidiaries, and material decisions.
+- Records shall be maintained at the principal office and retained as required by
+  Indiana law.
+
+## 8. Tax Treatment
+
+With the admission of Annie Deondria Chatman and Richard E. Williams as Members, the
+Company is a multi-member LLC. By default, a multi-member LLC is treated as a
+**partnership** for U.S. federal income tax purposes; each Member reports their
+proportionate share of income and expense (per §3) on their individual return via a
+Schedule K-1. The Members may elect a different classification (for example, taxation
+as a corporation) by filing the appropriate IRS election.
+
+- **EIN:** 42-4099038 (IRS Notice CP575G, issued July 27, 2026)
+- **Fiscal year:** Calendar year (January 1 – December 31)
+
+## 9. Liability and Indemnification
+
+To the fullest extent permitted by Indiana law:
+
+- No Member shall be **personally liable** for the debts, obligations, or liabilities
+  of the Company solely by reason of being a member; and
+- The Company shall **indemnify and hold harmless** each Member (and any authorized
+  manager or agent) against claims, losses, and expenses arising from the good-faith
+  management of the Company **within the scope of the authority granted under this
+  Agreement**, except for acts of fraud, willful misconduct, bad faith, or acts taken
+  outside that authority.
+
+## 10. Succession on Death or Incapacity
+
+If any Member dies or becomes permanently incapacitated, that Member's Membership
+Interest (economic and management rights) shall pass to that Member's successor(s) in
+interest as determined by applicable Indiana law, that Member's will, or other estate
+disposition.
+
+The successor(s) receiving a deceased or incapacitated Member's interest shall be
+admitted as Member(s) with the same rights that Member held, upon written notice to the
+Company and execution of a joinder to this Agreement.
+
+The Company shall **not dissolve** solely because of a Member's death or incapacity,
+and shall continue under the remaining and successor Member(s).
+
+## 11. Transfer of Membership Interest
+
+- **Economic vs. management rights.** A Member may assign or transfer the **economic
+  rights** (right to distributions/profits) in all or part of their membership interest
+  without that alone making the transferee a member.
+- **Admission as a member.** A transferee is admitted as a member — with voting and
+  management rights — only upon amendment of this Agreement under §12.
+- **Security interests.** A Member may pledge or grant a security interest in their
+  membership interest without that action alone transferring management rights.
+- **Transfer among current Members.** Any transfer of Membership Interest among the
+  current Members does not require a new admission under §12, but shall be recorded in
+  the Company's books and reflected in an amendment updating §3.
+
+## 12. Amendments
+
+This Agreement may be amended only by a **written instrument signed by Members holding
+a majority of the Membership Interests**. Amendments are effective on the date stated
+in the amendment.
+
+## 13. Dissolution
+
+The Company shall continue in perpetuity unless dissolved by:
+
+- The written election of Members holding a majority of the Membership Interests; or
+- Operation of Indiana law.
+
+Upon dissolution, the Company's assets shall be applied first to creditors (including
+any Member, if owed), then distributed to the Members pro rata in proportion to their
+Membership Interests, after which Articles of Dissolution shall be filed with the
+Indiana Secretary of State.
+
+## 14. Governing Law and Severability
+
+This Agreement is governed by and construed in accordance with the laws of the **State
+of Indiana**. If any provision is held invalid or unenforceable, the remaining
+provisions remain in full force and effect.
+
+## 15. Definitions
+
+- **"Company"** — SnS Network Solutions Holdings LLC.
+- **"Member"** — each of Samuel S. James, Annie Deondria Chatman, and Richard E.
+  Williams, and any successor or additional member admitted under this Agreement.
+- **"Membership Interest"** — a Member's ownership, economic, and (unless limited)
+  management rights in the Company, expressed as a percentage per §3.
+- **"Subsidiary"** — any entity in which the Company holds a controlling or
+  sole-member interest.
+
+---
+
+## Execution
+
+The undersigned, being all of the Members of SnS Network Solutions Holdings LLC, adopt
+and agree to this Amended and Restated Operating Agreement as of the Effective Date
+first written above.
+
+**MEMBER — 97% Membership Interest**
+
+Signature: ______________________________________
+
+Printed name: **Samuel S. James**
+
+Date: ______________________________________
+
+**MEMBER — 1% Membership Interest**
+
+Signature: ______________________________________
+
+Printed name: **Annie Deondria Chatman**
+
+Date: ______________________________________
+
+**MEMBER — 2% Membership Interest**
+
+Signature: ______________________________________
+
+Printed name: **Richard E. Williams**
+
+Date: ______________________________________
+
+---
+
+*Review with an Indiana-licensed attorney before signing.*

businesses/00-sns-holding/docs/operating-agreement.md

@@ -1,173 +0,0 @@
-# Operating Agreement for SnS Network Solutions Holdings LLC
-
-> **Draft / template — not legal advice.** This document is a working draft for a
-> single-member Indiana LLC. Have an Indiana-licensed attorney review and finalize it
-> before you sign or rely on it. Items in `[brackets]` need your specific information;
-> items marked `[TODO — attorney review]` should be confirmed with counsel.
-
-**Entity:** SnS Network Solutions Holdings LLC (the "Company")
-**State of formation:** Indiana
-**Effective date:** `[Effective Date — the date this Agreement is adopted]`
-
----
-
-## 1. Formation and Purpose
-
-This Operating Agreement (the "Agreement") is entered into by the undersigned sole
-Member, **Samuel S. James** (the "Member"), to govern the operations of **SnS Network
-Solutions Holdings LLC**, a limited liability company organized under the Indiana
-Business Flexibility Act (Indiana Code § 23-18).
-
-The Company is formed to act as a **holding company**. Its primary purpose is to own,
-manage, and oversee its subsidiary entities and other business interests. The Company
-does not itself engage in operating or client-facing business, and it holds no
-operating liability of its own.
-
-## 2. Registered Office and Registered Agent
-
-- **Principal office:** `[Principal business address — e.g., South Bend, IN]`
-- **Registered agent:** `[Registered agent name — the Member may serve as agent]`
-- **Registered office address:** `[Indiana street address of the registered agent]`
-
-The Member may change the principal office or registered agent at any time, consistent
-with Indiana filing requirements.
-
-## 3. Member and Ownership
-
-The sole Member of the Company is **Samuel S. James**, who holds **100%** of the
-membership interest. As the only member, the Member is entitled to all allocations,
-distributions, and voting rights of the Company.
-
-## 4. Management
-
-The Company shall be **Member-managed**. The Member has full and exclusive authority to
-make all decisions regarding the Company's business, including, without limitation:
-
-- Forming, acquiring, financing, and managing subsidiary entities;
-- Opening and controlling bank and financial accounts;
-- Entering into contracts and holding the Company's brand, intellectual property, and
-  other assets;
-- Admitting new members (which would require amending this Agreement — see §12).
-
-## 5. Subsidiary Management
-
-The Company is authorized to form, acquire, and hold interests in subsidiary limited
-liability companies and other entities. The Company shall act as the **sole member**
-(or controlling owner) of such subsidiaries so that the parent–subsidiary relationship
-is clearly maintained.
-
-To preserve limited-liability protection for the Company, the Member, and each
-subsidiary, the Member shall:
-
-- Keep the Company's assets, accounts, and records **separate** from those of every
-  subsidiary and from the Member's personal affairs (no commingling of funds);
-- Document ownership of each subsidiary (the Company as sole member) in that
-  subsidiary's own operating agreement;
-- Observe ordinary formalities for the Company and each subsidiary.
-
-## 6. Capital Contributions and Distributions
-
-- **Capital contributions:** The Member may contribute capital to the Company as
-  needed. Contributions are recorded in the Company's books.
-- **Distributions:** Distributions of available cash or profits are made to the Member
-  at the times and in the amounts the Member determines, subject to the Company's
-  financial obligations and applicable law (the Company may not make a distribution
-  that would render it unable to pay its debts as they come due).
-
-## 7. Bank Accounts, Books, and Records
-
-- The Company shall maintain **its own bank account(s)**, separate from the Member's
-  personal accounts and from every subsidiary's accounts.
-- The Company shall keep accurate books and records of its finances, ownership
-  interests in subsidiaries, and material decisions.
-- Records shall be maintained at the principal office and retained as required by
-  Indiana law.
-
-## 8. Tax Treatment
-
-As a single-member LLC, the Company is by default treated as a **disregarded entity**
-for U.S. federal income tax purposes; its income and expenses are reported on the
-Member's individual return. The Member may elect a different classification (for
-example, S-corporation treatment) by filing the appropriate IRS election.
-`[TODO — confirm tax treatment and any elections with a CPA/attorney.]`
-
-- **EIN:** `[Company EIN — obtain from the IRS]`
-- **Fiscal year:** `[Fiscal year — typically the calendar year]`
-
-## 9. Liability and Indemnification
-
-To the fullest extent permitted by Indiana law:
-
-- The Member shall **not be personally liable** for the debts, obligations, or
-  liabilities of the Company solely by reason of being a member; and
-- The Company shall **indemnify and hold harmless** the Member (and any authorized
-  manager or agent) against claims, losses, and expenses arising from the good-faith
-  management of the Company, except for acts of fraud, willful misconduct, or bad faith.
-
-## 10. Succession on Death or Incapacity
-
-If the Member dies or becomes incapacitated, the Member's membership interest shall pass
-to the Member's successor(s) in interest as determined by the Member's estate plan, will,
-or applicable Indiana law, and such successor(s) shall be admitted as member(s) with the
-same rights the Member held. The Company shall **not dissolve** solely because of the
-Member's death or incapacity, and shall continue under the successor(s).
-`[TODO — coordinate this section with your will / estate plan and confirm with an attorney.]`
-
-## 11. Transfer of Membership Interest
-
-The Member may assign, pledge, or transfer all or part of the membership interest at the
-Member's discretion. Any transferee that is to hold voting/management rights (rather than
-purely economic rights) is admitted as a member only upon amendment of this Agreement
-under §12.
-
-## 12. Amendments
-
-This Agreement may be amended only by a **written instrument signed by the Member** (and
-by all members if additional members are later admitted). Amendments are effective on the
-date stated in the amendment.
-
-## 13. Dissolution
-
-The Company shall continue in perpetuity unless dissolved by:
-
-- The written election of the Member; or
-- Operation of Indiana law.
-
-Upon dissolution, the Company's assets shall be applied first to creditors (including the
-Member, if owed), then distributed to the Member, after which Articles of Dissolution
-shall be filed with the Indiana Secretary of State.
-
-## 14. Governing Law and Severability
-
-This Agreement is governed by and construed in accordance with the laws of the **State of
-Indiana**. If any provision is held invalid or unenforceable, the remaining provisions
-remain in full force and effect.
-
-## 15. Definitions
-
-- **"Company"** — SnS Network Solutions Holdings LLC.
-- **"Member"** — Samuel S. James, and any successor or additional member admitted under
-  this Agreement.
-- **"Membership Interest"** — the Member's ownership, economic, and (unless limited)
-  management rights in the Company.
-- **"Subsidiary"** — any entity in which the Company holds a controlling or sole-member
-  interest.
-
----
-
-## Execution
-
-The undersigned, being the sole Member of SnS Network Solutions Holdings LLC, adopts and
-agrees to this Operating Agreement as of the Effective Date first written above.
-
-**SOLE MEMBER**
-
-Signature: ______________________________________
-
-Printed name: **Samuel S. James**
-
-Date: ______________________________________
-
-<br>
-
-*Prepared as a working draft. Review with an Indiana-licensed attorney before signing.*

businesses/README.md

@@ -1,35 +1,68 @@
-# Businesses
+# SnS Network Solutions Holdings LLC — Corporate Structure
 
-The **parent holding company** plus its **operating subsidiaries**. `divisions/`
+**Sole Member:** Samuel S. James
-holds the formal one-page briefs; the working scaffold, research, todo, branding,
+**State:** Indiana
-and (later) milestones live here.
+**EIN:** 42-4099038
 
-## Parent (holding company — not an operating business)
+```
+Samuel S. James (Sole Member)
+│
+└── SnS Network Solutions Holdings LLC
+    │
+    ├── SnS Technology Group LLC
+    │   ├── SnS Network Solutions LLC    (networking, cabling, managed networking)
+    │   ├── SnS Secure LLC               (cybersecurity, monitoring, compliance)
+    │   └── SnS Support LLC              (IT help desk, managed support, break-fix)
+    │
+    ├── SnS Hospitality Group LLC        ← Kiowa Scott holds 15% (vested)
+    │   ├── Coffee Trailers              (10 mobile drive-through locations — NW IN + S. Michigan)
+    │   └── Indian Food Truck            (pending staff proposal)
+    │
+    └── SnS Properties LLC
+        ├── Warehouse Property LLC       (commercial/industrial — commissary, storage)
+        └── Rental Property LLC          (residential or commercial rental income)
+```
 
-| Folder | Entity | Accent | Role |
+## Directory Layout
-|--------|--------|--------|------|
-| [`00-sns-holding/`](./00-sns-holding/) | SnS Network Solutions Holdings LLC | Parent Cyan `#10C8D8` | Owns the brand + 100% of every subsidiary; no client work, no operating liability |
 
-## Operating subsidiaries
+```
+businesses/
+├── 00-holdings/                 Holdings legal, branding, EIN, formation docs
+│   ├── docs/
+│   └── branding/
+│
+├── sns-technology-group/        SnS Technology Group LLC
+│   ├── networking/              SnS Network Solutions LLC
+│   ├── secure/                  SnS Secure LLC
+│   └── support/                 SnS Support LLC
+│
+├── sns-hospitality-group/       SnS Hospitality Group LLC (Sam 85% / Kiowa 15%)
+│   ├── docs/                    Partnership agreement, NDA, equity framework
+│   ├── coffee-trailers/         2-year plan, 10 locations, financials
+│   └── indian-food-truck/       Pending proposal + legacy operating agreement
+│
+└── sns-properties-llc/          SnS Properties LLC
+    ├── warehouse/
+    └── rental/
+```
 
-| # | Business | Tagline | Accent | Combines (former divisions) | Status |
+## Key Principles
-|---|----------|---------|--------|----------------------------|--------|
-| [01](./01-networking/) | SNS Networking | The Connected Foundation | Signal Blue `#1E6FFF` | Infrastructure + Secure + Systems | **Active** |
-| [02](./02-digital/) | SNS Digital | Engineered for the Cloud | Sky `#38BDF8` | Web + Software + Cloud | Planned |
-| [03](./03-support/) | SNS Support | Always On | Orange `#F97316` | Unchanged | Planned |
 
-## Why 3 instead of 7
+- **Holdings = sole member (Sam only)** — no other members at the holding level
+- **Kiowa's 15% is at the Hospitality Group level** — she participates in ALL mobile ventures under that group
+- **All Hospitality ventures are mobile/trailer-based** — low investment, low overhead, no brick-and-mortar
+- **Each group LLC is a liability silo** — a loss in one group cannot reach another
+- **Properties leases to siblings** — if Properties owns a commissary, Hospitality leases it (keeps real estate insulated from operating risk)
+- **Form entities when needed** — don't pay filing fees on shells with no revenue or liability
 
-- **Networking** covers everything physical + on-prem: same job site, same skill set,
+## Kiowa Scott — Partnership Summary
-  same insurance pool (GL + cyber E&O). Cabling, firewalls, cameras, and servers are
-  one delivery team.
-- **Digital** covers everything remote/code/cloud: same delivery model (keyboard, not
-  ladder), same insurance category (professional E&O). Cloud infra, websites, and
-  custom apps are one team.
-- **Support** stays separate: it's the only division with recurring-revenue SLAs and a
-  different contract structure (ongoing responsibility vs. project-and-done).
 
-## Folder contents
+| Term | Detail |
-
+|------|--------|
-Each folder contains: a scaffold/todo doc, branding assets, and working documents.
+| Entity | SnS Hospitality Group LLC |
-Milestones get added once the plan is set.
+| Interest | 15% (permanent after 12-month vesting) |
+| Capital contributed | $0 |
+| Role | Find locations, manage legal/permits, keep trailers profitable |
+| If she stops working | Loses management authority, keeps 15% economic rights (passive) |
+| Territory | NW Indiana and Southern Michigan |
+| Full agreement | `sns-hospitality-group/docs/kiowa-partnership-agreement.html` |

businesses/sns-corporate-structure.html

@@ -0,0 +1,357 @@
+<!DOCTYPE html>
+<html lang="en">
+<head>
+<meta charset="UTF-8">
+<meta name="viewport" content="width=device-width, initial-scale=1.0">
+<title>SnS Network Solutions Holdings LLC — Corporate Structure</title>
+<style>
+  :root{
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+  /* Org chart */
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+  .tech{border-color:var(--tech-color);background:#eff6ff}
+  .tech h3{color:var(--tech-color)}
+  .hosp{border-color:var(--hosp-color);background:#fffbeb}
+  .hosp h3{color:var(--hosp-color)}
+  .prop{border-color:var(--prop-color);background:#ecfdf5}
+  .prop h3{color:var(--prop-color)}
+
+  .partner-badge{
+    background:var(--hosp-color);
+    color:#fff;
+    font-size:.7rem;
+    padding:2px 8px;
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+    font-weight:600;
+  }
+  .status-badge{
+    font-size:.7rem;
+    padding:2px 6px;
+    border-radius:3px;
+    font-weight:600;
+  }
+  .active{background:#dcfce7;color:#166534}
+  .pending{background:#fef3c7;color:#92400e}
+  .planned{background:#e2e8f0;color:#475569}
+
+  /* Info sections */
+  h2{
+    font-family:Oxanium,Sora,system-ui,sans-serif;
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+    border-bottom:2px solid var(--cyan);
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+    margin:36px 0 14px;
+  }
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+    width:100%;
+    border-collapse:collapse;
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+    font-size:.88rem;
+  }
+  th{
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+    padding:8px 10px;
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+  td{
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+  }
+  .principles{
+    display:grid;
+    grid-template-columns:1fr 1fr;
+    gap:12px;
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+  }
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+  .principle b{color:var(--navy)}
+  footer{
+    text-align:center;
+    color:var(--muted);
+    font-size:.78rem;
+    padding:24px;
+  }
+  @media print{
+    body{background:#fff}
+    .page{box-shadow:none;padding:24px 36px}
+    .groups{grid-template-columns:1fr 1fr 1fr}
+    footer{display:none}
+  }
+</style>
+</head>
+<body>
+
+<div class="page">
+
+  <div class="header">
+    <h1>CORPORATE STRUCTURE</h1>
+    <div class="sub">SnS Network Solutions Holdings LLC</div>
+  </div>
+
+  <div class="meta">
+    <div><b>Sole Member:</b> Samuel S. James</div>
+    <div><b>State:</b> Indiana</div>
+    <div><b>EIN:</b> 42-4099038</div>
+    <div><b>Updated:</b> August 6, 2026</div>
+  </div>
+
+  <!-- ORG CHART -->
+  <div class="org">
+    <div class="org-owner">Samuel S. James — Sole Member</div>
+    <div class="org-connector"></div>
+    <div class="org-root">SnS Network Solutions Holdings LLC</div>
+    <div class="org-connector"></div>
+
+    <div class="groups">
+      <div class="group-card tech">
+        <h3>SnS Technology Group LLC</h3>
+        <ul>
+          <li>SnS Network Solutions LLC <span class="status-badge planned">PLANNED</span></li>
+          <li>SnS Secure LLC <span class="status-badge planned">PLANNED</span></li>
+          <li>SnS Support LLC <span class="status-badge planned">PLANNED</span></li>
+        </ul>
+      </div>
+
+      <div class="group-card hosp">
+        <h3>SnS Hospitality Group LLC</h3>
+        <div style="margin-bottom:8px"><span class="partner-badge">Kiowa Scott — 15%</span></div>
+        <ul>
+          <li>The Daily Pour (×10 trailers) <span class="status-badge active">FILED</span></li>
+        </ul>
+      </div>
+
+      <div class="group-card prop">
+        <h3>SnS Properties LLC</h3>
+        <ul>
+          <li>Warehouse Property LLC <span class="status-badge planned">PLANNED</span></li>
+          <li>Rental Property LLC <span class="status-badge planned">PLANNED</span></li>
+        </ul>
+      </div>
+
+      <div class="group-card" style="border-color:#e040fb;background:#fce4ec">
+        <h3 style="color:#e040fb">SnS Creative LLC</h3>
+        <ul>
+          <li>Live event production <span class="status-badge planned">FUTURE</span></li>
+          <li>Audio/video content <span class="status-badge planned">FUTURE</span></li>
+          <li>Artist management (5%) <span class="status-badge planned">FUTURE</span></li>
+        </ul>
+      </div>
+    </div>
+  </div>
+
+  <!-- ENTITY DETAILS -->
+  <h2>Entity Summary</h2>
+  <table>
+    <tr><th>Entity</th><th>Purpose</th><th>Members</th><th>Status</th></tr>
+    <tr>
+      <td><b>SnS Network Solutions Holdings LLC</b></td>
+      <td>Holding company — owns and oversees all subsidiaries</td>
+      <td>Samuel S. James (100%)</td>
+      <td><span class="status-badge active">FORMED</span></td>
+    </tr>
+    <tr>
+      <td><b>SnS Technology Group LLC</b></td>
+      <td>IT networking, cybersecurity, managed support services</td>
+      <td>Holdings (100%)</td>
+      <td><span class="status-badge planned">PLANNED</span></td>
+    </tr>
+    <tr>
+      <td><b>SnS Hospitality Group LLC</b></td>
+      <td>Mobile/trailer-based food &amp; beverage ventures</td>
+      <td>Holdings (85%) + Kiowa Scott (15%)</td>
+      <td><span class="status-badge active">FILED 08/06/2026</span></td>
+    </tr>
+    <tr>
+      <td><b>SnS Properties LLC</b></td>
+      <td>Real estate — warehouse, commissary, rental income</td>
+      <td>Holdings (100%)</td>
+      <td><span class="status-badge planned">PLANNED</span></td>
+    </tr>
+    <tr>
+      <td><b>SnS Creative LLC</b></td>
+      <td>Live music event production, audio/video content, artist management (Christian music, GroundUP-style)</td>
+      <td>Holdings (100%)</td>
+      <td><span class="status-badge planned">FUTURE (after 5+ trailers)</span></td>
+    </tr>
+  </table>
+
+  <!-- HOSPITALITY DETAIL -->
+  <h2>SnS Hospitality Group — Venture Detail</h2>
+  <table>
+    <tr><th>Venture</th><th>Model</th><th>Target</th><th>Investment/Unit</th><th>Status</th></tr>
+    <tr>
+      <td><b>The Daily Pour</b></td>
+      <td>Mobile drive-through, high-traffic lots</td>
+      <td>10 locations — NW Indiana + Southern Michigan</td>
+      <td>$50K first / $35K each after</td>
+      <td><span class="status-badge active">2-YEAR PLAN</span></td>
+    </tr>
+  </table>
+
+  <!-- PARTNERSHIP -->
+  <h2>Partnership — Kiowa Scott</h2>
+  <table>
+    <tr><th>Term</th><th>Detail</th></tr>
+    <tr><td>Entity</td><td>SnS Hospitality Group LLC</td></tr>
+    <tr><td>Interest</td><td>15% — permanent after 12-month vesting</td></tr>
+    <tr><td>Capital</td><td>$0 (service equity only)</td></tr>
+    <tr><td>Vesting</td><td>5% immediate (formation) + 2.5%/quarter × 4 quarters</td></tr>
+    <tr><td>Role</td><td>Find locations, manage permits/legal, keep operations profitable</td></tr>
+    <tr><td>Territory</td><td>NW Indiana and Southern Michigan</td></tr>
+    <tr><td>If she stops</td><td>Loses management authority; keeps 15% economic rights (passive member)</td></tr>
+    <tr><td>Agreement</td><td>kiowa-partnership-agreement.html (in sns-hospitality-group/docs/)</td></tr>
+  </table>
+
+  <!-- PRINCIPLES -->
+  <h2>Structural Principles</h2>
+  <div class="principles">
+    <div class="principle"><b>Sole ownership at top.</b> Sam is the only member of Holdings. No partners at the holding level.</div>
+    <div class="principle"><b>Group = liability silo.</b> Each group LLC walls off its risk from the others.</div>
+    <div class="principle"><b>Mobile only (Hospitality).</b> All ventures are trailer-based. Low cost, low overhead, no leases.</div>
+    <div class="principle"><b>Properties leases to siblings.</b> Real estate stays separate from operating risk.</div>
+    <div class="principle"><b>Form when needed.</b> Don't file entities until they have revenue or liability.</div>
+    <div class="principle"><b>Partner equity at group level.</b> Kiowa's 15% covers all Hospitality ventures, not just one.</div>
+  </div>
+
+  <!-- COFFEE TRAILER SNAPSHOT -->
+  <h2>Coffee Trailer — Financial Snapshot</h2>
+  <table>
+    <tr><th>Metric</th><th>Per Trailer</th><th>10 Trailers (Year 2 full)</th></tr>
+    <tr><td>Investment</td><td>$35,000-50,000</td><td>~$400,000 total deployed</td></tr>
+    <tr><td>Revenue (100 customers × $8 × 312 days)</td><td>$249,600/yr</td><td>$2,496,000/yr</td></tr>
+    <tr><td>Net profit</td><td>$140,592/yr</td><td>$1,405,920/yr</td></tr>
+    <tr><td>Sam's 85% (after ~35% tax)</td><td>$77,700/yr</td><td>$777,000/yr</td></tr>
+    <tr><td>Kiowa's 15% (after ~35% tax)</td><td>$13,700/yr</td><td>$137,000/yr</td></tr>
+  </table>
+
+</div>
+
+<footer>
+  SnS Network Solutions Holdings LLC &bull; 759 Boxwood Drive, South Bend, IN 46614<br>
+  Internal planning document — not a legal filing
+</footer>
+
+</body>
+</html>

businesses/sns-hospitality-group/README.md

@@ -0,0 +1,152 @@
+# SnS Hospitality Group LLC
+
+**Parent:** SnS Network Solutions Holdings LLC (85%)
+**Partner:** Kiowa Scott (15% — vested, permanent after Year 1)
+**Focus:** Mobile/trailer-based food & beverage ventures
+**Territory:** NW Indiana and Southern Michigan
+
+## Membership
+
+| Member | Interest | Type |
+|--------|----------|------|
+| SnS Network Solutions Holdings LLC | 75% (minimum) | Capital + control |
+| Kiowa Scott | Up to 25% (earned per venture) | Service equity (vested over time) |
+
+## Kiowa's Role
+- Finding and securing high-traffic parking spots / locations
+- Managing legal compliance, permits, renewals across all locations
+- Overseeing day-to-day operations (hiring, scheduling, vendor relationships)
+- Ensuring profitability of the mobile fleet
+
+## Kiowa's Equity Terms
+
+**Sam retains minimum 75% of the Hospitality Group. Maximum 25% is available to Kiowa, earned per venture.**
+
+### Per-Venture Vesting
+
+Each venture (trailer) Kiowa participates in earns her equity in the Hospitality Group:
+
+| Grant | Amount | When |
+|-------|--------|------|
+| **Formation grant** | 5% | Vests immediately upon venture formation |
+| **Service grant** | 10% | Vests quarterly (2.5% per quarter) over 12 months from Opening Date |
+| **Total per venture** | 15% | Fully vested after 12 months of active service |
+
+- Vesting clock starts on the **Opening Date** (first day of revenue-generating operations)
+- Each venture has its own independent vesting schedule
+- Total cumulative equity across all ventures is **capped at 25%**
+
+### Mandatory Buyback — Departure or Failure to Perform
+
+**If Kiowa leaves, becomes inactive, or fails to add material value at any point before all 10 trailers are operational:**
+
+- She is **required to sell her vested interest** back to Holdings
+- **Buyback price: 50% of the current fair market value** of her interest at the time of departure
+- "Current fair market value" = the Hospitality Group's net asset value (total assets minus total liabilities) multiplied by Kiowa's ownership percentage, as determined by the Company's most recent quarterly books or an independent valuation if disputed
+- The buyback is **mandatory, not optional** — she cannot retain passive ownership if she exits before the 10-trailer milestone is reached
+- **Trigger events:**
+  - Voluntary resignation from operational role
+  - Failure to perform duties for 30+ consecutive days without approved leave
+  - Removal for cause (fraud, theft, gross negligence, breach of NDA)
+  - Mutual written agreement to part ways
+- **Payment terms:** lump sum within 90 days of the trigger event, or a 12-month installment plan at Sam's election
+- **After all 10 trailers are operational:** the mandatory buyback expires. At that point, if Kiowa stops working, she retains her vested equity as a passive member (economic rights only, no management authority) — the fleet is built, the mission is accomplished.
+
+### What "fails to add value" means (objective triggers)
+
+To avoid disputes, "failure to add value" is defined as any of:
+- Locations going unstaffed or closing due to Kiowa's inaction
+- Permits/licenses lapsing due to missed renewals she was responsible for
+- Failure to actively manage at least 3 days/week across operational locations
+- Consecutive quarterly revenue decline across her managed locations without a documented recovery plan
+
+### Unvested Interest on Departure
+
+Any **unvested** portion at the time of departure is forfeited automatically — it does not transfer, is not bought back, and reverts to Holdings at no cost.
+
+### If she stops working (after 10 trailers are complete)
+- Retains all vested equity as a passive member (economic rights only)
+- **Loses management authority** — no decisions, no signing power, no operational role
+- **Dilution:** Because she is no longer contributing operational value, Holdings will hire a W-2 operations manager to replace her role. The cost of that hire (salary + benefits) is a company expense that reduces distributable profit — her distributions shrink accordingly. Additionally, Holdings may issue new equity (from its own 75%+ position) to incentivize the replacement manager, which would dilute Kiowa's percentage over time. She accepts this dilution as a consequence of stepping back.
+- **She keeps what she earned** — no forced buyback after the 10-trailer milestone. The fleet is built; the deal is honored.
+
+### Right of First Refusal — Post-Completion Sale
+
+If Kiowa decides to **sell** her vested interest after the 10 trailers are complete:
+
+- **Sam / Holdings gets first right to purchase** at **80% of current fair market value** (not projected, not future — current net asset value at the time she offers to sell)
+- "Current fair market value" = Hospitality Group's net assets (total assets minus total liabilities) as of the most recent quarterly close, multiplied by her ownership percentage. If disputed, an independent third-party valuation at shared cost.
+- **Process:**
+  1. Kiowa gives written notice of intent to sell, stating her asking price
+  2. Holdings has **60 days** to exercise the right of first refusal at 80% of FMV
+  3. If Holdings declines, Kiowa may sell to a third party — but **not at a price lower than what Holdings was offered** (no sweetheart deals that bypass Sam)
+  4. Any third-party buyer must be approved by Holdings (majority vote per the OA) and execute a joinder to the operating agreement
+- **Partial sales:** Kiowa may sell a portion of her interest under the same terms. Holdings' right of first refusal applies to each partial sale.
+
+### Summary of Exit Scenarios
+
+| Scenario | Outcome |
+|----------|---------|
+| Leaves **before** 10 trailers | Mandatory buyback at **50% of FMV**. Unvested portion forfeited. |
+| Stays through 10 trailers, **keeps working** | Full equity, full distributions, full management authority. |
+| Stays through 10 trailers, **stops working** | Keeps equity (passive), loses management authority, accepts dilution from replacement hire. |
+| Stays through 10 trailers, **wants to sell** | Sam/Holdings gets first right to buy at **80% of FMV**. Third-party sale only if Sam passes. |
+
+## Ventures
+
+### Coffee Trailers — "The Daily Pour" (ACTIVE — 3-year growth plan)
+
+**Brand:** The Daily Pour
+**Target:** 10 mobile drive-through coffee trailers over 5 years
+**Model:** Low-cost enclosed trailers + commercial espresso equipment
+**Investment per unit:** ~$25,000 (used trailer + buildout + equipment)
+**Revenue target per unit:** 100 customers/day × $8 avg × 6 days/wk
+**Territory:** NW Indiana + Southern Michigan (high-traffic lots — Walmart, Chick-fil-A, gas stations, Notre Dame area)
+
+#### 5-Year Rollout Plan (Sam + Kiowa)
+
+| Year | Trailers | Cumulative | Milestone |
+|------|----------|------------|-----------|
+| **Year 1** (months 1–12) | 1 | 1 | Build trailer #1, learn everything, automate what we can, reduce costs. Full 9-month operating period to prove the model before considering #2. |
+| **Year 2** (months 13–24) | 2–3 | 3 | Launch #2 at ~month 13 (6-month cadence begins). Apply Year 1 lessons. #3 at ~month 19. Kiowa managing multi-location ops, first shift leads hired. |
+| **Year 3** (months 25–36) | 4–5 | 5 | Continued 6-month cadence. Systems mature, staffing bench built, cost structure optimized. |
+| **Year 4** (months 37–48) | 6–8 | 8 | Pace can accelerate if ops support it. Evaluate territory expansion (Southern Michigan). |
+| **Year 5** (months 49–60) | 9–10 | 10 | Full fleet. Kiowa oversees all locations + staff. Sam provides capital + strategic direction only. |
+
+**Launch cadence:** 1 trailer every 6 months (after Year 1's learning period). No new trailer until the previous one is profitable — cadence is a target, not a commitment.
+
+**Year 1 philosophy:** Build → Learn → Automate → Reduce cost → Then scale.
+
+#### Roles in the Growth Plan
+
+| Role | Sam | Kiowa |
+|------|-----|-------|
+| Capital | ✅ All investment | — |
+| Location scouting | — | ✅ Find + secure lots |
+| Permits & compliance | — | ✅ All filings, health dept, renewals |
+| Buildout & equipment | ✅ Fund + approve | ✅ Coordinate |
+| Hiring & staffing | — | ✅ Recruit, schedule, manage |
+| Day-to-day operations | — | ✅ All locations |
+| Strategic decisions | ✅ Final authority | Input |
+| Financial oversight | ✅ P&L review, distributions | Reports to Sam |
+
+#### Growth Rules
+
+- **No new trailer until the previous one is profitable** — growth is earned, not scheduled
+- **Each trailer must hit break-even within 90 days** or operations are paused and diagnosed
+- **Kiowa's 15% vests across the whole Hospitality Group** — she benefits from every trailer, not just the first
+- **Staffing scales with trailers** — Kiowa hires shift leads; she doesn't work every window forever
+- **Capital calls are Sam's decision** — Kiowa proposes expansion, Sam approves the spend
+
+See `coffee-trailers/01-daily-pour/` for Trailer #1 working files.
+
+### Indian Food Truck (PENDING)
+- Awaiting proposal from Indian staff
+- See `indian-food-truck/` when ready
+
+## Future Ventures (not yet formed)
+All future Hospitality ventures will be mobile/trailer-based. Examples:
+- Smoothie/juice trailer
+- BBQ trailer
+- Dessert/ice cream trailer
+- Mobile bar (events)

businesses/sns-hospitality-group/coffee-trailers/README.html

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+<!DOCTYPE html>
+<html lang="en">
+<head>
+    <meta charset="UTF-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1.0">
+    <title>SnS Hospitality Group — The Daily Pour</title>
+    <style>
+        * { margin: 0; padding: 0; box-sizing: border-box; }
+        body {
+            font-family: 'Montserrat', 'Segoe UI', sans-serif;
+            background: #F7EFE6;
+            color: #4B2E20;
+            line-height: 1.6;
+            padding: 2rem;
+            max-width: 1000px;
+            margin: 0 auto;
+        }
+        h1, h2, h3 { font-family: 'Playfair Display', Georgia, serif; }
+        h1 {
+            font-size: 2.2rem;
+            text-align: center;
+            margin-bottom: 0.25rem;
+            color: #4B2E20;
+        }
+        .tagline {
+            text-align: center;
+            font-style: italic;
+            color: #A78A7A;
+            margin-bottom: 2rem;
+            font-size: 1.1rem;
+        }
+        h2 {
+            font-size: 1.4rem;
+            margin: 2rem 0 0.75rem;
+            padding-bottom: 0.3rem;
+            border-bottom: 2px solid #D4AF37;
+        }
+        h3 { font-size: 1.1rem; margin: 1.2rem 0 0.5rem; }
+        table {
+            width: 100%;
+            border-collapse: collapse;
+            margin: 1rem 0;
+            font-size: 0.9rem;
+        }
+        th, td {
+            padding: 0.5rem 0.75rem;
+            text-align: left;
+            border-bottom: 1px solid #E7B4B8;
+        }
+        th {
+            background: #4B2E20;
+            color: #F7EFE6;
+            font-weight: 600;
+            text-transform: uppercase;
+            font-size: 0.8rem;
+            letter-spacing: 0.5px;
+        }
+        tr:hover { background: rgba(231, 180, 184, 0.15); }
+        .color-swatch {
+            display: inline-block;
+            width: 16px;
+            height: 16px;
+            border-radius: 50%;
+            vertical-align: middle;
+            margin-right: 6px;
+            border: 1px solid #A78A7A;
+        }
+        code {
+            background: #4B2E20;
+            color: #F7EFE6;
+            padding: 0.15rem 0.4rem;
+            border-radius: 3px;
+            font-size: 0.85rem;
+        }
+        .folder-tree {
+            background: #4B2E20;
+            color: #F7EFE6;
+            padding: 1.25rem 1.5rem;
+            border-radius: 8px;
+            font-family: 'Courier New', monospace;
+            font-size: 0.85rem;
+            line-height: 1.8;
+            overflow-x: auto;
+        }
+        .section-card {
+            background: white;
+            border-radius: 8px;
+            padding: 1.5rem;
+            margin: 1rem 0;
+            box-shadow: 0 2px 8px rgba(75, 46, 32, 0.08);
+        }
+        .status-badge {
+            display: inline-block;
+            padding: 0.2rem 0.6rem;
+            border-radius: 12px;
+            font-size: 0.75rem;
+            font-weight: 600;
+            text-transform: uppercase;
+        }
+        .status-active { background: #A3B18A; color: white; }
+        .status-planned { background: #E7B4B8; color: #4B2E20; }
+        .note {
+            background: rgba(212, 175, 55, 0.12);
+            border-left: 3px solid #D4AF37;
+            padding: 0.75rem 1rem;
+            margin: 1rem 0;
+            font-size: 0.9rem;
+        }
+        footer {
+            text-align: center;
+            margin-top: 3rem;
+            padding-top: 1.5rem;
+            border-top: 1px solid #E7B4B8;
+            color: #A78A7A;
+            font-size: 0.8rem;
+        }
+    </style>
+</head>
+<body>
+
+<h1>The Daily Pour</h1>
+<p class="tagline">Good Coffee. Great Vibes. On Purpose.</p>
+
+<div class="section-card">
+    <h2>Overview</h2>
+    <p>Mobile drive-through coffee trailers operating across NW Indiana and Southern Michigan.
+       10 trailers planned over 5 years, each with its own codename and brand color.
+       Year 1: build and prove Trailer #1. Subsequent trailers every 6 months if profitable.</p>
+    <table>
+        <tr><th>Entity</th><td>SnS Hospitality Group LLC</td></tr>
+        <tr><th>Ownership</th><td>Sam James (85%) &middot; Kiowa Scott (15%)</td></tr>
+        <tr><th>Target</th><td>10 locations over 5 years — NW Indiana + Southern Michigan</td></tr>
+        <tr><th>Investment per trailer</th><td>~$50,000 (first unit, incl. $15k reserve)</td></tr>
+        <tr><th>Project Mgmt</th><td><a href="https://plane.snsnetlabs.com/shg/" style="color:#D4AF37;">plane.snsnetlabs.com/shg</a></td></tr>
+        <tr><th>File Storage</th><td>Google Drive (SnS Hospitality Group LLC folder)</td></tr>
+    </table>
+</div>
+
+<h2>Naming Convention</h2>
+<div class="section-card">
+    <h3>Folders &amp; Drive</h3>
+    <p><code>T[##]-[CODENAME]</code> &mdash; e.g. <code>T00-DRIP</code></p>
+
+    <h3>Internal Operations (network, POS, security)</h3>
+    <p><code>T[##]-[CODENAME]-[HEX]</code> &mdash; e.g. <code>T00-DRIP-4B2E20</code></p>
+
+    <div class="note">
+        The hex suffix is added <strong>only</strong> when SNS Networking has completed security
+        buildout and signed off. Until then, the trailer operates without the hex.
+    </div>
+</div>
+
+<h2>Trailer Registry</h2>
+<div class="section-card">
+    <table>
+        <thead>
+            <tr>
+                <th>Trailer</th>
+                <th>Codename</th>
+                <th>Color</th>
+                <th>Hex</th>
+                <th>Status</th>
+            </tr>
+        </thead>
+        <tbody>
+            <tr>
+                <td>T00</td>
+                <td>DRIP</td>
+                <td><span class="color-swatch" style="background:#4B2E20;"></span>Rich Brown</td>
+                <td><code>4B2E20</code></td>
+                <td><span class="status-badge status-planned">Pre-launch</span></td>
+            </tr>
+            <tr>
+                <td>T01</td>
+                <td>ROAST</td>
+                <td><span class="color-swatch" style="background:#E7B4B8;"></span>Blush Pink</td>
+                <td><code>E7B4B8</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+            <tr>
+                <td>T02</td>
+                <td>BLOOM</td>
+                <td><span class="color-swatch" style="background:#F7EFE6; border-color:#A78A7A;"></span>Warm Cream</td>
+                <td><code>F7EFE6</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+            <tr>
+                <td>T03</td>
+                <td>STEAM</td>
+                <td><span class="color-swatch" style="background:#D4AF37;"></span>Soft Gold</td>
+                <td><code>D4AF37</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+            <tr>
+                <td>T04</td>
+                <td>GRIND</td>
+                <td><span class="color-swatch" style="background:#A78A7A;"></span>Taupe</td>
+                <td><code>A78A7A</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+            <tr>
+                <td>T05</td>
+                <td>PRESS</td>
+                <td><span class="color-swatch" style="background:#A3B18A;"></span>Sage Green</td>
+                <td><code>A3B18A</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+            <tr>
+                <td>T06</td>
+                <td>EMBER</td>
+                <td><span class="color-swatch" style="background:#C9918B;"></span>Dusty Rose</td>
+                <td><code>C9918B</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+            <tr>
+                <td>T07</td>
+                <td>CREMA</td>
+                <td><span class="color-swatch" style="background:#2C1A12;"></span>Espresso</td>
+                <td><code>2C1A12</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+            <tr>
+                <td>T08</td>
+                <td>PULL</td>
+                <td><span class="color-swatch" style="background:#B87333;"></span>Copper</td>
+                <td><code>B87333</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+            <tr>
+                <td>T09</td>
+                <td>BEAN</td>
+                <td><span class="color-swatch" style="background:#6B7F99;"></span>Slate Blue</td>
+                <td><code>6B7F99</code></td>
+                <td><span class="status-badge status-planned">Planned</span></td>
+            </tr>
+        </tbody>
+    </table>
+</div>
+
+<h2>Folder Structure</h2>
+<div class="folder-tree">
+SnS Hospitality Group LLC/<br>
+├── T00-09-COMMON/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;← shared across ALL trailers<br>
+│ &nbsp;&nbsp;├── Legal/<br>
+│ &nbsp;&nbsp;├── Marketing/<br>
+│ &nbsp;&nbsp;├── Ops/<br>
+│ &nbsp;&nbsp;├── Research/<br>
+│ &nbsp;&nbsp;└── Buildout/<br>
+│<br>
+├── T00-DRIP/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;← Trailer #1 specific<br>
+│ &nbsp;&nbsp;├── Vehicle/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VIN, title, plate, registration)<br>
+│ &nbsp;&nbsp;├── Network/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(router, POS, tablet, IPs)<br>
+│ &nbsp;&nbsp;├── Equipment/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(serials, warranties, manuals)<br>
+│ &nbsp;&nbsp;├── Location/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(lease, site photos, parking map)<br>
+│ &nbsp;&nbsp;└── Tools/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(inventory, maintenance log)<br>
+│<br>
+├── T01-ROAST/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;← future<br>
+├── T02-BLOOM/ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;← future<br>
+└── ...
+</div>
+
+<h2>Security Handoff</h2>
+<div class="section-card">
+    <p>The hex suffix (<code>-4B2E20</code>) is appended to a trailer's ID when
+       <strong>SNS Networking</strong> has completed:</p>
+    <ol style="margin: 0.75rem 0 0 1.5rem;">
+        <li>Network hardware installed (router, AP, firewall)</li>
+        <li>POS system configured and hardened</li>
+        <li>Network segmented (customer WiFi isolated from POS/ops)</li>
+        <li>Remote management access verified</li>
+        <li>Sign-off documented</li>
+    </ol>
+    <div class="note">
+        Until handoff, the trailer operates as <code>T##-CODENAME</code> only.
+        This maintains a clean boundary between Hospitality operations (Kiowa)
+        and technology infrastructure (SNS Networking).
+    </div>
+</div>
+
+<h2>Key Links</h2>
+<div class="section-card">
+    <table>
+        <tr><th>Resource</th><th>URL</th></tr>
+        <tr><td>Project Management (Plane)</td><td><a href="https://plane.snsnetlabs.com/shg/">plane.snsnetlabs.com/shg</a></td></tr>
+        <tr><td>File Storage (Google Drive)</td><td>SnS Hospitality Group LLC shared folder</td></tr>
+    </table>
+</div>
+
+<footer>
+    SnS Hospitality Group LLC &middot; A division of SnS Network Solutions Holdings LLC<br>
+    Sam James (85%) &middot; Kiowa Scott (15%)<br><br>
+    <em>Good Coffee. Real Connections. Better Every Day.</em>
+</footer>
+
+</body>
+</html>

businesses/sns-hospitality-group/coffee-trailers/README.md

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+# Coffee Trailers — 2-Year Business Plan
+
+**Entity:** Operates under SnS Hospitality Group LLC
+**Concept:** Mobile drive-through coffee trailers in high-traffic parking lots
+**Target:** 10 locations across NW Indiana and Southern Michigan
+**Manager:** Kiowa Scott (finding spots, keeping them legal, keeping them profitable)
+
+## Investment Per Trailer
+
+| Item | Cost |
+|------|------|
+| Used enclosed trailer (8' × 14-16') | $6,000-9,000 |
+| Buildout (window, plumbing, electric, counters, flooring) | $10,000 |
+| Espresso machine (Nuova Simonelli Appia Life 2-group) | $9,000 |
+| Grinder (Eureka Atom 75) | $2,000 |
+| Blender, fridge, ice machine | $2,500 |
+| POS + tablet | $800 |
+| Signage + branding wrap | $2,500 |
+| Permits, insurance, health dept | $2,000 |
+| **Subtotal (trailer + equipment)** | **~$35,000** |
+| 3 months operating reserve (marketing + ramp-up) | $15,000 |
+| **Total per trailer (first unit)** | **~$50,000** |
+
+Subsequent trailers (no ramp-up reserve needed if cash-flowing): **~$35,000 each**
+
+## Revenue Model
+
+| Metric | Target |
+|--------|--------|
+| Customers/day | 100 (target), 120 (above average) |
+| Average ticket | $8 |
+| Operating days/yr | 312 (6 days/wk, 52 weeks — coffee is winter-proof) |
+| Daily revenue | $800-960 |
+| Monthly revenue (26 days) | $20,800-24,960 |
+| Annual revenue per trailer | $249,600-299,520 |
+
+## Costs Per Trailer (Monthly)
+
+| Item | Cost |
+|------|------|
+| Labor (1 FT barista $16/hr + 1 PT $12/hr, loaded) | $3,616 |
+| Trailer payment (if financed) | $626 |
+| Workers' Comp | $80 |
+| GL insurance | $42 |
+| Commercial Auto | $120 |
+| Lot lease (parking spot agreement) | $750 |
+| Water/commissary | $200 |
+| POS/software | $80 |
+| Fuel/propane | $150 |
+| Misc/repairs | $300 |
+| **Total fixed** | **$5,964/mo** |
+| Supply cost (coffee, milk, cups — 15% of revenue) | ~$3,120-3,744 |
+| **Total monthly cost** | **$9,084-9,708** |
+
+## Profit Per Trailer
+
+| Performance | Monthly Profit | Annual Profit |
+|-------------|---------------|---------------|
+| Average (100/day) | $11,716 | $140,592 |
+| Above average (120/day) | $15,252 | $183,024 |
+| Strong (150/day) | $20,556 | $246,672 |
+
+## 2-Year Rollout Plan
+
+| Timeline | Trailers Open | Monthly Combined Profit | Notes |
+|----------|--------------|------------------------|-------|
+| Month 1-3 | 1 | $11,716 (ramp-up, may be lower) | Marketing heavy, building regulars |
+| Month 4-6 | 2 | $23,432 | Trailer #2 funded by #1's profit |
+| Month 7-9 | 3 | $35,148 | |
+| Month 10-12 | 4 | $46,864 | |
+| Month 13-15 | 5-6 | $58,580-70,296 | |
+| Month 16-18 | 7-8 | $82,012-93,728 | |
+| Month 19-24 | 9-10 | $105,444-117,160 | |
+
+## End of Year 2 (10 trailers, all at average)
+
+| | Annual |
+|---|---|
+| Combined revenue | $2,496,000 |
+| Combined profit | **$1,405,920** |
+| Sam's 85% after tax (35%) | **$777,021** |
+| Kiowa's 15% after tax | **$137,077** |
+
+## Location Strategy
+
+**Target spots (NW Indiana + Southern Michigan):**
+- Walmart / Meijer parking lots
+- Near Chick-fil-A, McDonald's (capture their traffic, no coffee competition)
+- Gas station lots on US-31, US-20, I-94 corridor
+- Notre Dame campus perimeter (game days = 80,000+ people)
+- Hospital/medical center parking areas (staff need coffee at 5am)
+- Industrial parks (factory shift changes)
+- Church parking lots (Mon-Sat)
+
+**How to secure spots:**
+- Approach property managers (not tenants) with a lease proposal: $500-1,000/mo
+- Walmart has a formal vendor/lease program in some locations
+- Start with 1 great spot, prove the concept, use that track record to pitch the next
+
+## Why Coffee Trailers Win in Winter
+
+- Hot drinks = HIGHER demand in cold weather
+- Drive-through window = customers stay in their car
+- Commercial lots (Walmart, etc.) are plowed/salted first
+- No food spoilage, no grease, no complex health dept issues
+- Only true shutdown: blizzard days where nobody leaves home (5-10 days/yr max)
+- Compare to food trucks: dead 4-6 weeks in Midwest winter

businesses/sns-hospitality-group/coffee-trailers/T-00/README.md

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+# The Daily Pour — T-00 (First Trailer)
+
+**Parent:** SnS Hospitality Group LLC
+**Unit:** T-00
+**Type:** Mobile drive-through coffee trailer
+**Status:** Pre-launch (planning)
+**Territory:** NW Indiana
+
+## Overview
+
+T-00 is the first Daily Pour unit. Mobile enclosed trailer with commercial espresso
+equipment, operating as a drive-through in a high-traffic leased parking spot.
+All future trailers (T-01 through T-09) follow this same model — "The Daily Pour"
+is the brand deployed across NW Indiana.
+
+## Naming Convention
+
+```
+T-[NUMBER]
+T-00  ← first trailer (this one)
+T-01  ← second trailer
+...
+T-09  ← tenth trailer
+```
+
+## Directory Structure
+
+```
+T-00/
+├── README.md          ← you are here
+├── branding/          Logo, colors, signage mockups, menu board design
+├── docs/              Permits, licenses, lease agreements, insurance
+├── financials/        Startup budget, P&L projections, break-even analysis
+├── location/          Site research, lot agreements, traffic data, photos
+├── menu/              Menu items, pricing, supplier info, recipes
+├── mockups/           Trailer mockup images, layout diagrams, build photos
+└── operations/        SOPs, opening/closing checklists, staffing, inventory
+```
+
+## Key Numbers (targets)
+
+| Metric | Target |
+|--------|--------|
+| Investment per unit | ~$25,000 (used trailer + buildout + equipment) |
+| Customers/day | 100 |
+| Average ticket | $8 |
+| Operating days | 6 days/wk |
+| Break-even | TBD — see `financials/` |
+
+## Next Steps
+
+- [ ] Finalize branding (name, logo, color palette, signage)
+- [ ] Source trailer (used enclosed, suitable for drive-through conversion)
+- [ ] Identify first location (high-traffic lot, lease terms)
+- [ ] Equipment list + supplier quotes (see `materials.csv`)
+- [ ] Permits research (St. Joseph County mobile food vendor, health dept)
+- [ ] Menu v1 + pricing
+- [ ] Staffing plan (opening crew — Kiowa hires, does not work the window)

businesses/sns-hospitality-group/coffee-trailers/T-00/docs/business-plan.html

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+<!DOCTYPE html>
+<html lang="en">
+<head>
+<meta charset="UTF-8">
+<meta name="viewport" content="width=device-width, initial-scale=1.0">
+<title>Business Plan — The Daily Pour | SnS Hospitality Group LLC</title>
+<style>
+  :root{--brown:#4B2E20;--cream:#F7EFE6;--gold:#D4AF37;--pink:#E7B4B8;--taupe:#A78A7A;--green:#A3B18A;--blue:#6B7F99;}
+  *{box-sizing:border-box}
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+  .doc{max-width:850px;margin:0 auto;background:#fff;padding:56px 64px 72px;box-shadow:0 2px 24px rgba(75,46,32,.1);}
+  h1{font-family:'Playfair Display',Georgia,serif;font-size:2rem;text-align:center;margin:0 0 4px;color:var(--brown);}
+  .subtitle{text-align:center;color:var(--gold);font-weight:600;font-size:1.05rem;margin-bottom:8px;}
+  .meta{text-align:center;color:var(--taupe);font-size:.85rem;margin-bottom:32px;}
+  h2{font-family:'Playfair Display',Georgia,serif;font-size:1.2rem;color:var(--brown);border-bottom:2px solid var(--gold);padding-bottom:6px;margin:36px 0 14px;}
+  h3{font-size:.95rem;color:var(--brown);margin:20px 0 8px;}
+  table{width:100%;border-collapse:collapse;margin:12px 0;font-size:.85rem;}
+  th{text-align:left;padding:7px 10px;background:var(--brown);color:var(--cream);font-weight:600;font-size:.8rem;}
+  td{padding:7px 10px;border-bottom:1px solid var(--pink);}
+  .highlight{background:var(--cream);border-radius:8px;padding:14px 18px;margin:12px 0;font-size:.9rem;}
+  .two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
+  ul,ol{padding-left:20px;margin:8px 0;}
+  li{margin-bottom:5px;}
+  .page-break{page-break-before:always;}
+  footer{text-align:center;color:var(--taupe);font-size:.78rem;margin-top:36px;padding-top:16px;border-top:1px solid var(--pink);}
+  @media print{body{background:#fff}.doc{box-shadow:none;padding:24px 48px}h2{page-break-after:avoid}table,.highlight{page-break-inside:avoid}p,li{orphans:3;widows:3}}
+</style>
+</head>
+<body>
+<div class="doc">
+
+
+<h1>Business Plan</h1>
+<div class="subtitle">The Daily Pour — Mobile Coffee Trailer</div>
+<div class="meta">
+  SnS Hospitality Group LLC | EIN: 42-4288652 | South Bend, Indiana<br>
+  Prepared: August 2026 | Contact: samueljamesinc@snsnetworksolutions.net | (601) 613-2249
+</div>
+
+<h2>1. Executive Summary</h2>
+<p><strong>The Daily Pour</strong> is a mobile drive-through coffee trailer business operating from
+high-traffic parking lots in South Bend, Indiana and the surrounding NW Indiana / Southern Michigan
+region. We serve premium espresso, specialty drinks, drip coffee, teas, and baked goods from a
+fully self-contained, solar-capable trailer — no brick-and-mortar lease, no buildout delay, and
+minimal overhead.</p>
+
+<div class="highlight">
+<strong>Key Numbers:</strong><br>
+Investment: $50,000 (first trailer, including 3-month reserve)<br>
+Projected annual revenue (per trailer): $249,600<br>
+Projected annual net profit (per trailer): $140,592<br>
+Break-even: Month 2–3 at 100 customers/day<br>
+Growth target: 10 trailers over 5 years
+</div>
+
+<p>The company is structured for rapid, capital-efficient expansion: each profitable trailer funds
+the next. We target high-traffic locations — busy retail corridors, hospital campuses, university
+perimeters, industrial parks, and underutilized commercial lots where drive-through coffee isn't
+currently served.</p>
+
+<h2>2. Company Description</h2>
+<table>
+  <tr><th>Legal Name</th><td>SnS Hospitality Group LLC</td></tr>
+  <tr><th>DBA</th><td>The Daily Pour</td></tr>
+  <tr><th>Type</th><td>Multi-Member LLC (Indiana)</td></tr>
+  <tr><th>EIN</th><td>42-4288652</td></tr>
+  <tr><th>Formation Date</th><td>August 6, 2026</td></tr>
+  <tr><th>Parent Company</th><td>SnS Network Solutions Holdings LLC (EIN 42-4099038)</td></tr>
+  <tr><th>Principal Office</th><td>759 Boxwood Dr, South Bend, IN 46614</td></tr>
+  <tr><th>Ownership</th><td>Samuel S. James (85%) via Holdings LLC + Kiowa Scott (15%)</td></tr>
+  <tr><th>Industry</th><td>Mobile Food Service (NAICS 722330)</td></tr>
+</table>
+
+<h3>Mission Statement</h3>
+<p>SnS Hospitality Group LLC provides high-quality, affordable coffee and specialty beverages through
+a fleet of mobile drive-through trailers deployed in underserved, high-traffic locations across
+Northwest Indiana and Southern Michigan. We create jobs, serve our community, and build sustainable
+wealth through disciplined operations and thoughtful expansion.</p>
+
+<h3>Vision</h3>
+<p>10 branded coffee trailers operating across NW Indiana and Southern Michigan within 5 years —
+each a neighborhood fixture, each creating local jobs, each profitable within 90 days of launch.</p>
+
+
+<h2 class="page-break">3. Products & Services</h2>
+<p>The Daily Pour serves a focused, high-margin menu from a drive-through window:</p>
+<div class="two-col">
+  <div>
+    <h3>Core Menu</h3>
+    <ul>
+      <li>Espresso drinks (lattes, cappuccinos, americanos, macchiatos)</li>
+      <li>Specialty drinks (mochas, caramel, seasonal flavors)</li>
+      <li>Drip coffee (house blend + decaf)</li>
+      <li>Iced coffee & cold brew</li>
+      <li>Blended frappes & smoothies</li>
+      <li>Hot & iced teas (black, green, chai, herbal)</li>
+      <li>Matcha lattes</li>
+      <li>Hot chocolate</li>
+    </ul>
+  </div>
+  <div>
+    <h3>Food & Add-ons</h3>
+    <ul>
+      <li>Muffins, scones, croissants (local bakery)</li>
+      <li>Bagels + cream cheese</li>
+      <li>Cookies, banana bread</li>
+      <li>Seasonal pastries</li>
+    </ul>
+    <h3>Key Suppliers</h3>
+    <ul>
+      <li><strong>Beans:</strong> Bendix Coffee Roasters (local, South Bend)</li>
+      <li><strong>Dairy/supplies:</strong> Dean Supply, Stanz Foodservice</li>
+      <li><strong>Equipment:</strong> Nuova Simonelli, Eureka</li>
+    </ul>
+  </div>
+</div>
+
+<h3>Competitive Advantages</h3>
+<ul>
+  <li><strong>Locally sourced:</strong> 75% of our products come from small businesses in the area — coffee beans from Bendix Coffee Roasters (South Bend), baked goods from local bakeries, dairy from regional suppliers. We invest in our community.</li>
+  <li><strong>No lease risk:</strong> Trailer = $500-750/mo lot rental vs. $3,000-5,000/mo brick-and-mortar lease</li>
+  <li><strong>Mobility:</strong> Underperforming location? Move the trailer. No sunk costs.</li>
+  <li><strong>Winter-proof:</strong> Hot drinks = HIGHER demand in cold weather. Drive-through = customers stay warm in their car.</li>
+  <li><strong>Low startup vs. traditional coffee shop:</strong> $50K vs. $250K-500K for a storefront</li>
+  <li><strong>Scalable:</strong> Duplicate the model — same trailer, same menu, same SOPs — at each new location</li>
+  <li><strong>Self-contained:</strong> Generator + battery + solar + water tanks = no utility hookups required</li>
+</ul>
+
+
+<h2 class="page-break">4. Market Analysis</h2>
+<h3>Target Market</h3>
+<p>Northwest Indiana and Southern Michigan — primarily St. Joseph County (South Bend, Mishawaka,
+Granger) and LaPorte County. Population served: ~275,000+ in the immediate metro area.</p>
+
+<h3>Target Customers</h3>
+<ul>
+  <li><strong>Morning commuters</strong> (5am–9am) — driving to work, need fast coffee</li>
+  <li><strong>Healthcare workers</strong> — hospital shift changes at 5am and 7pm</li>
+  <li><strong>Retail/warehouse workers</strong> — industrial parks, factory shift changes</li>
+  <li><strong>College students</strong> — Notre Dame, IUSB, Holy Cross, Bethel University</li>
+  <li><strong>Weekend shoppers</strong> — Walmart, Meijer, Target parking lots</li>
+  <li><strong>Game day crowds</strong> — Notre Dame football (80,000+ per game, 6-7 home games/yr)</li>
+</ul>
+
+<h3>Industry Overview</h3>
+<p>The U.S. coffee market exceeds $100 billion annually. Specialty coffee represents 60%+ of
+consumption. The mobile coffee segment is growing as consumers prioritize convenience, speed,
+and quality over sit-down experiences. Drive-through represents the highest-growth channel in
+food service.</p>
+
+<h3>Local Competition</h3>
+<table>
+  <tr><th>Competitor</th><th>Type</th><th>Our Advantage</th></tr>
+  <tr><td>Starbucks</td><td>Brick-and-mortar drive-through</td><td>We go WHERE they aren't — parking lots, closed businesses, underserved areas</td></tr>
+  <tr><td>Dunkin'</td><td>Brick-and-mortar</td><td>Higher quality beans (local roaster), specialty drinks they don't offer</td></tr>
+  <tr><td>Local coffee shops</td><td>Sit-down cafes</td><td>We're drive-through only — speed + convenience, different customer</td></tr>
+  <tr><td>Gas station coffee</td><td>Self-serve</td><td>Premium quality, handcrafted drinks vs. sitting in a pot for hours</td></tr>
+  <tr><td>Other food trucks</td><td>Mobile</td><td>Coffee is year-round; food trucks die in Midwest winter</td></tr>
+</table>
+
+<h3>Location Strategy</h3>
+<p>We primarily target <strong>high-traffic areas</strong> where drive-through coffee is underserved or nonexistent:</p>
+<ul>
+  <li><strong>Retail corridors:</strong> Walmart, Meijer, Target parking lots — thousands of daily shoppers, no specialty coffee on-site</li>
+  <li><strong>Hospital/medical campuses:</strong> Staff need coffee at 5am shift change, visitors all day</li>
+  <li><strong>University perimeters:</strong> Notre Dame (80,000+ game days), IUSB, Holy Cross, Bethel — student traffic</li>
+  <li><strong>Industrial parks:</strong> Factory shift changes at 5am, 3pm — captive audience with no options nearby</li>
+  <li><strong>Major intersections/corridors:</strong> US-31, US-20, I-94 — commuter traffic</li>
+  <li><strong>Gas station lots:</strong> High volume, existing customer flow, quick in-and-out culture</li>
+  <li><strong>Underutilized commercial lots:</strong> Closed businesses, vacant restaurants — owners earning $0 welcome our $500-750/mo rent</li>
+  <li><strong>Enterprise Zones:</strong> State tax credits for operating in designated areas (bonus, not a requirement)</li>
+</ul>
+
+
+<h2 class="page-break">5. Management Team</h2>
+<table>
+  <tr><th>Name</th><th>Role</th><th>Responsibilities</th></tr>
+  <tr>
+    <td><strong>Samuel S. James</strong><br>Managing Member (85%)</td>
+    <td>CEO / Capital & Strategy</td>
+    <td>Capital investment, funding applications, bank accounts, expansion timing, technology/network infrastructure, final authority on major decisions</td>
+  </tr>
+  <tr>
+    <td><strong>Kiowa Scott</strong><br>Member (15%)</td>
+    <td>Operations Director</td>
+    <td>Compliance & permits, site selection & lot negotiations, SOPs development, grant sourcing, growth planning, recruiting Location Managers</td>
+  </tr>
+  <tr>
+    <td><strong>TBD</strong><br>(Hiring)</td>
+    <td>Location Manager (T00-DRIP)</td>
+    <td>Day-to-day trailer operations, opening/closing, scheduling staff, supply ordering, customer service, quality control</td>
+  </tr>
+</table>
+
+<h3>Owner Background</h3>
+<p><strong>Samuel S. James</strong> brings 10+ years of technology infrastructure experience (network
+engineering, system design, project management) with a strong background in operations, logistics,
+and scalable systems. He holds certifications in networking (CCENT, Cisco Specialist) and cloud
+infrastructure (AWS Cloud Practitioner). His technology expertise enables fully self-contained,
+remotely monitored trailer operations with enterprise-grade security and POS systems.</p>
+
+<p><strong>Kiowa Scott</strong> brings operational management experience with a focus on compliance,
+location scouting, and building repeatable business systems. Her equity vests over 12 months of
+active service, aligning her incentives with the company's long-term success.</p>
+
+<h3>Organizational Structure</h3>
+<div class="highlight">
+  <strong>Per-trailer model:</strong> Each trailer is run by an empowered Location Manager who handles
+  all day-to-day operations independently. Sam and Kiowa handle escalations, expansion strategy,
+  and business development — NOT daily operations. This structure scales to 10+ locations without
+  founder burnout.
+</div>
+
+
+<h2 class="page-break">6. Financial Projections</h2>
+
+<h3>Startup Costs — Trailer #1 (T00-DRIP)</h3>
+<table>
+  <tr><th>Category</th><th>Amount</th></tr>
+  <tr><td>Enclosed cargo trailer (8×14-16, used)</td><td>$7,500</td></tr>
+  <tr><td>Interior buildout (electrical, plumbing, counters, window)</td><td>$10,000</td></tr>
+  <tr><td>Espresso machine (Nuova Simonelli Appia Life 2-Group)</td><td>$9,000</td></tr>
+  <tr><td>Grinder (Eureka Atom 75)</td><td>$2,000</td></tr>
+  <tr><td>Kitchen equipment (blenders, fridge, freezer, ice maker, microwave)</td><td>$1,760</td></tr>
+  <tr><td>Water system (tanks, pump, heater, sinks, plumbing)</td><td>$1,640</td></tr>
+  <tr><td>Power system (generator, battery, inverter, solar-ready)</td><td>$3,520</td></tr>
+  <tr><td>Climate (48V DC mini split heat pump)</td><td>$1,200</td></tr>
+  <tr><td>Networking & security (cameras, NVR, switch, modem, UPS)</td><td>$760</td></tr>
+  <tr><td>POS & payment (Square Terminal, iPad, cash drawer)</td><td>$879</td></tr>
+  <tr><td>Signage & exterior (menu board, vinyl wrap, A-frame sign)</td><td>$2,860</td></tr>
+  <tr><td>Initial supplies (beans, milk, cups, syrups)</td><td>$1,050</td></tr>
+  <tr><td>Permits & insurance</td><td>$2,300</td></tr>
+  <tr><td><strong>Subtotal (equipment + buildout)</strong></td><td><strong>~$44,469</strong></td></tr>
+  <tr><td>3-month operating reserve</td><td>$5,531</td></tr>
+  <tr><td><strong>Total Startup Investment</strong></td><td><strong>$50,000</strong></td></tr>
+</table>
+
+<h3>Monthly Operating Costs</h3>
+<table>
+  <tr><th>Item</th><th>Monthly</th><th>Annual</th></tr>
+  <tr><td>Location Manager salary (FT, loaded)</td><td>$2,880</td><td>$34,560</td></tr>
+  <tr><td>Part-time staff</td><td>$2,240</td><td>$26,880</td></tr>
+  <tr><td>Lot lease</td><td>$750</td><td>$9,000</td></tr>
+  <tr><td>Supplies (beans, milk, cups, syrups — 15% of revenue)</td><td>$3,120</td><td>$37,440</td></tr>
+  <tr><td>Insurance (GL + workers comp)</td><td>$330</td><td>$3,960</td></tr>
+  <tr><td>Fuel/propane</td><td>$130</td><td>$1,560</td></tr>
+  <tr><td>Water + waste (pump-outs)</td><td>$200</td><td>$2,400</td></tr>
+  <tr><td>Cellular data plan</td><td>$75</td><td>$900</td></tr>
+  <tr><td>Square processing fees (2.7%)</td><td>$560</td><td>$6,720</td></tr>
+  <tr><td>Misc/repairs</td><td>$300</td><td>$3,600</td></tr>
+  <tr><td><strong>Total Monthly Operating Cost</strong></td><td><strong>$10,585</strong></td><td><strong>$127,020</strong></td></tr>
+</table>
+
+
+<h3>Revenue Projections (Per Trailer)</h3>
+<table>
+  <tr><th>Scenario</th><th>Customers/Day</th><th>Avg Ticket</th><th>Monthly Revenue</th><th>Annual Revenue</th></tr>
+  <tr><td>Conservative</td><td>80</td><td>$8</td><td>$16,640</td><td>$199,680</td></tr>
+  <tr><td><strong>Target</strong></td><td><strong>100</strong></td><td><strong>$8</strong></td><td><strong>$20,800</strong></td><td><strong>$249,600</strong></td></tr>
+  <tr><td>Above Average</td><td>120</td><td>$8</td><td>$24,960</td><td>$299,520</td></tr>
+  <tr><td>Strong</td><td>150</td><td>$8</td><td>$31,200</td><td>$374,400</td></tr>
+</table>
+
+<h3>Profitability (Per Trailer, Target Scenario)</h3>
+<table>
+  <tr><th>Metric</th><th>Monthly</th><th>Annual</th></tr>
+  <tr><td>Revenue</td><td>$20,800</td><td>$249,600</td></tr>
+  <tr><td>Total costs</td><td>$10,585</td><td>$127,020</td></tr>
+  <tr><td><strong>Net Profit</strong></td><td><strong>$10,215</strong></td><td><strong>$122,580</strong></td></tr>
+  <tr><td>Profit margin</td><td colspan="2">49.1%</td></tr>
+  <tr><td>Break-even (customers/day)</td><td colspan="2">~51 customers/day</td></tr>
+  <tr><td>Payback period (initial $50K)</td><td colspan="2">~5 months</td></tr>
+</table>
+
+<h3>5-Year Growth Projection (Fleet)</h3>
+<table>
+  <tr><th>Year</th><th>Trailers</th><th>Annual Revenue</th><th>Annual Profit</th><th>Cumulative Investment</th></tr>
+  <tr><td>Year 1</td><td>1–2</td><td>$249,600–499,200</td><td>$126,228–252,456</td><td>$50,000–85,000</td></tr>
+  <tr><td>Year 2</td><td>4–5</td><td>$998,400–1,248,000</td><td>$504,912–631,140</td><td>$155,000–190,000</td></tr>
+  <tr><td>Year 3</td><td>6–7</td><td>$1,497,600–1,747,200</td><td>$757,368–883,596</td><td>$225,000–260,000</td></tr>
+  <tr><td>Year 4</td><td>8–9</td><td>$1,996,800–2,246,400</td><td>$1,009,824–1,136,052</td><td>$295,000–330,000</td></tr>
+  <tr><td>Year 5</td><td>10</td><td>$2,496,000</td><td>$1,262,280</td><td>$365,000</td></tr>
+</table>
+
+<div class="highlight">
+  <strong>Return on Investment:</strong> At target performance, Trailer #1's $50,000 investment
+  is recovered in ~5 months. Each subsequent trailer ($35K) recovers in ~3.5 months. By Year 5
+  (10 trailers), the fleet generates $2.5M in annual revenue and $1.26M in profit on a total
+  deployed capital of $365K — a <strong>346% ROI</strong>.
+</div>
+
+
+<h2 class="page-break">7. Funding Request</h2>
+
+<h3>Amount Requested</h3>
+<div class="highlight">
+  <strong>$50,000</strong> — to fully fund Trailer #1 (T00-DRIP), including equipment, buildout, initial
+  inventory, permits, insurance, and a 3-month operating reserve for marketing and ramp-up.
+</div>
+
+<h3>Use of Funds</h3>
+<table>
+  <tr><th>Category</th><th>Amount</th><th>% of Total</th></tr>
+  <tr><td>Trailer + buildout</td><td>$17,500</td><td>35%</td></tr>
+  <tr><td>Equipment (espresso, kitchen, power, water)</td><td>$20,899</td><td>42%</td></tr>
+  <tr><td>Networking, security, POS</td><td>$1,639</td><td>3%</td></tr>
+  <tr><td>Signage, branding, initial supplies</td><td>$3,910</td><td>8%</td></tr>
+  <tr><td>Permits, insurance, legal</td><td>$2,300</td><td>5%</td></tr>
+  <tr><td>Operating reserve (3 months)</td><td>$3,752</td><td>7%</td></tr>
+  <tr><td><strong>Total</strong></td><td><strong>$50,000</strong></td><td><strong>100%</strong></td></tr>
+</table>
+
+<h3>Repayment Capacity</h3>
+<p>At target performance (100 customers/day), the trailer generates <strong>$10,215/month in net
+profit</strong>. A $50,000 loan at 12% interest over 5 years = ~$1,112/month payment — well within
+cash flow capacity with a <strong>9.2:1 debt service coverage ratio</strong>.</p>
+
+<h3>Collateral</h3>
+<ul>
+  <li>Trailer + equipment (appraised value ~$35,000 at buildout completion)</li>
+  <li>Personal guarantee by Samuel S. James (sole guarantor — 85% owner via Holdings)</li>
+</ul>
+
+<h3>Exit / Repayment Strategy</h3>
+<ul>
+  <li><strong>Primary:</strong> Monthly cash flow from operations covers all loan payments from Month 2–3 forward</li>
+  <li><strong>Secondary:</strong> Trailer + equipment can be liquidated for ~$20-25K (conservative) if business fails</li>
+  <li><strong>Growth funded internally:</strong> Trailer #2+ funded from Trailer #1 profits — no additional debt required for expansion</li>
+</ul>
+
+
+<h2 class="page-break">8. Operations Plan</h2>
+
+<h3>Hours of Operation</h3>
+<p>5:00 AM – 2:00 PM, Monday through Saturday (312 operating days/year). Closed Sundays.</p>
+
+<h3>Staffing (Per Trailer)</h3>
+<table>
+  <tr><th>Position</th><th>Hours</th><th>Rate</th><th>Monthly (loaded)</th></tr>
+  <tr><td>Location Manager (FT)</td><td>40 hrs/wk</td><td>$18/hr</td><td>$2,880</td></tr>
+  <tr><td>Part-time staff</td><td>Variable</td><td>—</td><td>$2,240</td></tr>
+  <tr><td><strong>Total labor</strong></td><td></td><td></td><td><strong>$5,120/mo</strong></td></tr>
+</table>
+
+<h3>Key Operating Processes</h3>
+<ul>
+  <li><strong>Supply chain:</strong> Weekly orders from local roaster (Bendix) + wholesale supplier (Dean Supply). Location Manager handles ordering within budget.</li>
+  <li><strong>Quality control:</strong> Standardized recipes, freshness protocols, daily cleaning SOP</li>
+  <li><strong>Cash management:</strong> Square POS (card primary), daily reconciliation, weekly deposits</li>
+  <li><strong>Maintenance:</strong> Generator service monthly, equipment cleaning daily, quarterly deep-clean</li>
+  <li><strong>Waste management:</strong> Gray/black tank pump-out every 2-3 weeks (Huff Septic, South Bend)</li>
+  <li><strong>Security:</strong> 3 POE cameras + NVR, cellular connectivity, AirTag GPS, remote monitoring</li>
+</ul>
+
+<h3>Technology Infrastructure</h3>
+<p>Each trailer operates as a self-contained, remotely managed unit:</p>
+<ul>
+  <li>4G/5G cellular internet (POS + cameras + remote management)</li>
+  <li>Square POS system (real-time sales reporting)</li>
+  <li>IP camera surveillance with cloud-accessible NVR</li>
+  <li>Managed network switch (VLANs separate POS from customer WiFi)</li>
+  <li>GPS tracking (theft/tow protection)</li>
+</ul>
+
+<h2>9. Risk Analysis</h2>
+<table>
+  <tr><th>Risk</th><th>Likelihood</th><th>Mitigation</th></tr>
+  <tr><td>Low customer count (under 50/day)</td><td>Low-Medium</td><td>Location mobility — move trailer to better spot. Marketing push. Signage visibility.</td></tr>
+  <tr><td>Weather (blizzards)</td><td>Low (5-10 days/yr)</td><td>Hot drinks = higher demand in cold. Only full blizzards close us. Budget for 312 operating days accounts for this.</td></tr>
+  <tr><td>Equipment failure</td><td>Medium</td><td>Warranty coverage, backup equipment plan, emergency service contacts on file.</td></tr>
+  <tr><td>Lot lease termination</td><td>Low</td><td>Trailer is mobile — relocate within days. Maintain relationships with multiple property owners.</td></tr>
+  <tr><td>Staff turnover</td><td>Medium</td><td>Competitive pay, simple SOPs, cross-training, Kiowa recruits replacements.</td></tr>
+  <tr><td>Competition (Starbucks/Dunkin enters same lot)</td><td>Very Low</td><td>We target locations they DON'T want (vacant lots, small parking areas). We move; they can't.</td></tr>
+  <tr><td>Permit/regulatory issues</td><td>Low</td><td>Kiowa manages all compliance. Permits secured before opening. Health dept relationship maintained.</td></tr>
+</table>
+
+<footer>
+  <strong>The Daily Pour</strong> — SnS Hospitality Group LLC<br>
+  759 Boxwood Dr, South Bend, IN 46614<br>
+  Samuel S. James, Managing Member | samueljamesinc@snsnetworksolutions.net | (601) 613-2249<br><br>
+  <em>Good Coffee. Great Vibes. On Purpose.</em><br><br>
+  <span style="font-size:.7rem;">Confidential — prepared for lending evaluation purposes. Financial projections are estimates based on market research and industry benchmarks. Actual results may vary.</span>
+</footer>
+
+</div>
+</body>
+</html>

businesses/sns-hospitality-group/coffee-trailers/T-00/docs/daily-pour-color.txt

@@ -0,0 +1,142 @@
+# The Daily Pour — Brand Color Palette (v1.0)
+
+## Brand Personality
+Warm • Welcoming • Elegant • Artisan • Premium • Morning Energy • Community
+
+The Daily Pour should feel like your favorite neighborhood coffee shop—comfortable enough to visit every morning, yet refined enough to become a recognizable premium brand.
+
+---
+
+# Primary Colors
+
+## ☕ Rich Espresso Brown (Primary)
+**Hex:** `#4B2E20`
+
+Used for:
+- Trailer body
+- Logo text
+- Menu boards
+- Website headers
+- Packaging
+- Uniform accents
+
+Represents:
+- Coffee
+- Warmth
+- Reliability
+- Craftsmanship
+
+---
+
+## 🌸 Blush Pink (Secondary)
+**Hex:** `#E7B4B8`
+
+Used for:
+- Floral graphics
+- Accent stripes
+- Cups
+- Interior decor
+- Seasonal branding
+
+Represents:
+- Hospitality
+- Kindness
+- Comfort
+- Community
+
+---
+
+## ✨ Soft Gold (Accent)
+**Hex:** `#D4AF37`
+
+Use sparingly (5-10%)
+
+Used for:
+- Logo highlights
+- Divider lines
+- Icons
+- Menu separators
+- Hardware accents
+- Premium packaging
+
+Represents:
+- Quality
+- Excellence
+- Morning sunlight
+- Premium craftsmanship
+
+---
+
+## 🤍 Warm Cream (Background)
+**Hex:** `#F7EFE6`
+
+Used for:
+- Trailer upper panels
+- Sign backgrounds
+- Printed menus
+- Website backgrounds
+- Merchandise
+
+Represents:
+- Fresh milk
+- Morning light
+- Cleanliness
+- Simplicity
+
+---
+
+# Supporting Colors
+
+### Warm Taupe
+`#A78A7A`
+
+For subtle backgrounds, illustrations, and secondary typography.
+
+---
+
+### Charcoal
+`#333333`
+
+Only for body text and high-contrast readability.
+
+---
+
+# Wood Finish
+
+Natural Walnut
+
+Suggested stain:
+- Medium Walnut
+- Satin finish
+
+This should remain a real wood texture rather than painted to reinforce the handcrafted feel.
+
+---
+
+# Color Usage Ratio
+
+60% Warm Cream
+
+25% Rich Espresso Brown
+
+10% Blush Pink
+
+5% Soft Gold
+
+---
+
+# Materials
+
+- Matte painted exterior
+- Satin walnut wood
+- Matte black hardware
+- Brushed gold accents
+- Warm white (2700K–3000K) lighting
+
+---
+
+# Overall Brand Feel
+
+> Rustic Modern • Boutique Coffee House • Soft Luxury • Morning Comfort
+
+The Daily Pour should feel like the first peaceful moment of someone's day—warm coffee, friendly faces, and an inviting space they'll want to return to every morning.

businesses/sns-hospitality-group/coffee-trailers/T-00/docs/funding-research.html

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+<!DOCTYPE html>
+<html lang="en">
+<head>
+    <meta charset="UTF-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1.0">
+    <title>T00-DRIP Funding Research — SnS Hospitality Group</title>
+    <style>
+        * { margin: 0; padding: 0; box-sizing: border-box; }
+        body { font-family: 'Montserrat', 'Segoe UI', sans-serif; background: #F7EFE6; color: #4B2E20; line-height: 1.6; padding: 2rem; max-width: 1100px; margin: 0 auto; }
+        h1, h2, h3 { font-family: 'Playfair Display', Georgia, serif; }
+        h1 { font-size: 2rem; text-align: center; margin-bottom: 0.25rem; }
+        .subtitle { text-align: center; color: #A78A7A; margin-bottom: 2rem; font-size: 0.95rem; }
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+        .card h3 { margin-top: 0; }
+        table { width: 100%; border-collapse: collapse; margin: 0.75rem 0; font-size: 0.88rem; }
+        th, td { padding: 0.4rem 0.6rem; text-align: left; border-bottom: 1px solid #E7B4B8; }
+        th { background: #4B2E20; color: #F7EFE6; font-weight: 600; text-transform: uppercase; font-size: 0.75rem; letter-spacing: 0.5px; }
+        a { color: #D4AF37; text-decoration: none; font-weight: 500; }
+        a:hover { text-decoration: underline; }
+        .tag { display: inline-block; padding: 0.15rem 0.5rem; border-radius: 10px; font-size: 0.7rem; font-weight: 600; text-transform: uppercase; margin-right: 4px; }
+        .tag-grant { background: #A3B18A; color: white; }
+        .tag-loan { background: #E7B4B8; color: #4B2E20; }
+        .tag-tax { background: #D4AF37; color: white; }
+        .tag-program { background: #6B7F99; color: white; }
+        .note { background: rgba(212,175,55,0.12); border-left: 3px solid #D4AF37; padding: 0.75rem 1rem; margin: 1rem 0; font-size: 0.9rem; }
+        .warning { background: rgba(200,50,50,0.08); border-left: 3px solid #c83232; padding: 0.75rem 1rem; margin: 1rem 0; font-size: 0.9rem; }
+        .strategy { background: #4B2E20; color: #F7EFE6; border-radius: 8px; padding: 1.5rem; margin: 1.5rem 0; }
+        .strategy h2 { color: #D4AF37; border-bottom-color: #D4AF37; }
+        .strategy ol { margin: 1rem 0 0 1.5rem; }
+        .strategy li { margin-bottom: 0.75rem; }
+        footer { text-align: center; margin-top: 3rem; padding-top: 1rem; border-top: 1px solid #E7B4B8; color: #A78A7A; font-size: 0.8rem; }
+    </style>
+</head>
+<body>
+
+
+<h1>Funding Research — T00-DRIP</h1>
+<p class="subtitle">Grants, loans, tax incentives, and development programs for The Daily Pour<br>
+Researched: August 5, 2026 | South Bend / NW Indiana / St. Joseph County</p>
+
+<div class="warning">
+    <strong>⚠️ Note (July 2026):</strong> Indiana Executive Order 26-17 (issued July 14, 2026) suspended the state's
+    MBE/WBE diversity programs. Federal programs (SBA, USDA), city-level programs (South Bend), and nonprofit
+    lenders (Bankable, Flagship) are <strong>unaffected</strong>.
+</div>
+
+<h2>Direct Grants (Free Money — No Repayment)</h2>
+
+<div class="card">
+    <h3>1. South Bend Opportunity Fund <span class="tag tag-grant">Grant</span><span class="tag tag-loan">Loan</span></h3>
+    <table>
+        <tr><th>Amount</th><td>Loans $1,000–$30,000 (below-market interest) + free business coaching/mentorship</td></tr>
+        <tr><th>Eligibility</th><td>Business located in South Bend, revenues under $300,000/yr prior year</td></tr>
+        <tr><th>Partners</th><td>1st Source Bank + North Central Indiana Small Business Development Center</td></tr>
+        <tr><th>Apply</th><td><a href="https://isbdc.ecenterdirect.com/signup" target="_blank">isbdc.ecenterdirect.com/signup</a></td></tr>
+        <tr><th>Info</th><td><a href="https://southbendin.gov/opportunityfund/" target="_blank">southbendin.gov/opportunityfund</a></td></tr>
+        <tr><th>Why apply</th><td>Pre-revenue startup in South Bend = perfect fit. Free coaching alone is worth it.</td></tr>
+    </table>
+</div>
+
+<div class="card">
+    <h3>2. <s>Flagstar Bank BIPOC Grant</s> <span class="tag tag-grant" style="background:#dc2626;">CLOSED</span></h3>
+    <table>
+        <tr><th>Amount</th><td><s>$5,000 per recipient (35 grants from $175,000 pool)</s></td></tr>
+        <tr><th>Status</th><td><strong>PROGRAM COMPLETED.</strong> All 35 awards already distributed. No new applications accepted.</td></tr>
+        <tr><th>Info</th><td><a href="https://grantable.co/grants/flagstar-bank-s-black-indigenous-and-people-of-color-bipoc-grant-86b5a0459546" target="_blank">Flagstar BIPOC Grant details</a></td></tr>
+        <tr><th>Action</th><td>Monitor Indiana Black Expo for future rounds. Follow Flagstar for other BIPOC programs.</td></tr>
+    </table>
+</div>
+
+<div class="card">
+    <h3>3. <s>USDA Business Builder Award</s> <span class="tag tag-grant" style="background:#dc2626;">TERMINATED</span></h3>
+    <table>
+        <tr><th>Amount</th><td><s>Up to $100,000 direct financial assistance</s></td></tr>
+        <tr><th>Status</th><td><strong>PROGRAM TERMINATED July 15, 2025.</strong> USDA Secretary Rollins killed the Regional Food Business Centers program. No new Business Builder awards being issued.</td></tr>
+        <tr><th>Source</th><td><a href="https://www.ams.usda.gov/press-release/termination-regional-food-business-centers-programs" target="_blank">USDA termination announcement</a></td></tr>
+        <tr><th>Our center</th><td>Great Lakes Midwest RFBC (Michigan State, covered Indiana) — shut down.</td></tr>
+    </table>
+        <tr><th>Why apply</th><td>Coffee trailer = food business. Up to $100k grant covers nearly the entire buildout. Check application windows.</td></tr>
+    </table>
+</div>
+
+
+<h2>Solar &amp; Energy Grants (Power System Funding)</h2>
+
+<div class="card">
+    <h3>4. USDA REAP — Rural Energy for America Program <span class="tag tag-grant">Grant</span><span class="tag tag-loan">Loan</span></h3>
+    <table>
+        <tr><th>Amount</th><td>Grants up to 50% of renewable energy project cost + guaranteed loans</td></tr>
+        <tr><th>Eligibility</th><td>Rural small business (check USDA eligibility map — areas outside cities of 50,000+). Some South Bend-adjacent areas qualify.</td></tr>
+        <tr><th>Covers</th><td>Solar panels, battery storage, energy-efficient equipment upgrades</td></tr>
+        <tr><th>Info</th><td><a href="https://www.rd.usda.gov/programs-services/energy-programs/rural-energy-america-program-renewable-energy-systems-energy-efficiency-improvement-grants-2" target="_blank">USDA REAP Indiana</a></td></tr>
+        <tr><th>Why apply</th><td>Could fund 50% of your solar/battery system ($750-1,000+ back). If trailer parks in a rural-eligible lot (smaller towns outside SB proper), this is free money for your power setup.</td></tr>
+    </table>
+</div>
+
+<div class="card">
+    <h3>5. Indiana Solar Tax Exemptions <span class="tag tag-tax">Tax Break</span></h3>
+    <table>
+        <tr><th>Benefits</th><td>
+            • 100% property tax exemption on solar installations<br>
+            • 7% state sales tax exemption on solar equipment<br>
+            • 30% federal commercial solar ITC (Investment Tax Credit) — your LLC qualifies
+        </td></tr>
+        <tr><th>Eligibility</th><td>Any Indiana business installing solar. LLC structure qualifies for commercial ITC.</td></tr>
+        <tr><th>Info</th><td><a href="https://www.surgepv.com/blog/solar-incentives-indiana" target="_blank">Indiana Solar Incentives 2026</a></td></tr>
+        <tr><th>Why use</th><td>If you add solar to the trailer, you get 30% back on federal taxes + no property/sales tax on the equipment. Stack with REAP for potentially 80% covered.</td></tr>
+    </table>
+</div>
+
+<h2>Minority-Specific Loans (Low/Zero Interest)</h2>
+
+<div class="card">
+    <h3>6. Bankable — Indiana Black-Owned Business Loan Fund <span class="tag tag-loan">Loan</span></h3>
+    <table>
+        <tr><th>Amount</th><td>Up to $50,000 (low interest, some interest-free)</td></tr>
+        <tr><th>Eligibility</th><td>Indiana-based, Black-owned, unable to secure traditional bank loan</td></tr>
+        <tr><th>Extras</th><td>Free business development resources + Black Chamber of Commerce membership</td></tr>
+        <tr><th>Apply</th><td><a href="https://bankable.org/loans/" target="_blank">bankable.org/loans</a></td></tr>
+        <tr><th>Info</th><td><a href="https://www.bankable.org/blog-posts/indiana-black-owned-business-loan-fund" target="_blank">Bankable Black-Owned Fund announcement</a></td></tr>
+        <tr><th>Why apply</th><td>Certified SBA microlender. Low barrier, designed for businesses like yours that are pre-traditional-bank. Good supplement or bridge to SBA loan.</td></tr>
+    </table>
+</div>
+
+<div class="card">
+    <h3>7. Flagship Enterprise Capital — Indiana Black Owned Business Fund <span class="tag tag-loan">Loan</span></h3>
+    <table>
+        <tr><th>Amount</th><td>Up to $350,000 (through Bankable partnership)</td></tr>
+        <tr><th>Benefits</th><td>Lower rates, no fees, additional technical assistance, memberships to entrepreneurial support orgs</td></tr>
+        <tr><th>Info</th><td><a href="https://www.flagshipenterprisecapital.org/" target="_blank">flagshipenterprisecapital.org</a></td></tr>
+        <tr><th>Why apply</th><td>Larger loan option if SBA falls through or you need more capital. Same Black-owned qualification as Bankable.</td></tr>
+    </table>
+</div>
+
+
+<div class="card">
+    <h3>8. IEDC Legend Fund (SSBCI) <span class="tag tag-loan">Loan</span></h3>
+    <table>
+        <tr><th>Amount</th><td>Part of $29M fund distributed through mission-driven local lenders</td></tr>
+        <tr><th>Eligibility</th><td>Indiana small business, historically underserved community</td></tr>
+        <tr><th>Info</th><td><a href="https://iedc.in.gov/ssbci" target="_blank">iedc.in.gov/ssbci</a></td></tr>
+        <tr><th>Why apply</th><td>State-backed capital flowing through local CDFIs. You qualify on multiple fronts (minority-owned, pre-revenue startup). Ask Bankable — they may be a Legend Fund distributor.</td></tr>
+    </table>
+</div>
+
+<h2>City Programs (South Bend Specific)</h2>
+
+<div class="card">
+    <h3>9. South Bend MWBE Inclusion Program <span class="tag tag-program">Program</span></h3>
+    <table>
+        <tr><th>What</th><td>Helps minority/women-owned businesses access City contracting + procurement opportunities</td></tr>
+        <tr><th>Info</th><td><a href="https://southbendin.gov/department/minority-and-women-owned-business-enterprise-mwbe-inclusion-program/" target="_blank">southbendin.gov — MWBE Program</a></td></tr>
+        <tr><th>Why join</th><td>Gets you in the city's vendor system + connected to other minority business owners. More for service/contracting but builds credibility and network.</td></tr>
+    </table>
+</div>
+
+<div class="card">
+    <h3>10. South Bend Small Business Assistance Suite (SBAS) <span class="tag tag-program">Program</span></h3>
+    <table>
+        <tr><th>What</th><td>Free cohort-based business development program — strengthens back-office systems, operational readiness, prepares for funding + public-sector contracting</td></tr>
+        <tr><th>Cost</th><td>Free to accepted participants</td></tr>
+        <tr><th>Info</th><td><a href="https://southbendin.gov/department/mayors-office/diversity/business-development/" target="_blank">southbendin.gov — Office of Diversity Business Development</a></td></tr>
+        <tr><th>Why join</th><td>Free coaching + structure + credibility. Good to do while building out T00-DRIP. Makes future grant applications stronger.</td></tr>
+    </table>
+</div>
+
+<h2>Development Zones (Tax Incentives by Location)</h2>
+
+<div class="card">
+    <h3>11. Indiana Enterprise Zones <span class="tag tag-tax">Tax Break</span></h3>
+    <table>
+        <tr><th>Benefits</th><td>
+            • Employee tax deduction<br>
+            • Employment expense credit<br>
+            • Loan interest credit<br>
+            • Investment cost credit
+        </td></tr>
+        <tr><th>Eligibility</th><td>Business operating within a designated Enterprise Zone</td></tr>
+        <tr><th>Info</th><td><a href="https://www.aiez.org/" target="_blank">aiez.org — Association of Indiana Enterprise Zones</a></td></tr>
+        <tr><th>Why it matters</th><td>If T00-DRIP parks in an Enterprise Zone (check South Bend's zone map), you get state tax credits just for operating there. Factor this into location scouting.</td></tr>
+    </table>
+</div>
+
+<div class="card">
+    <h3>12. Indiana Opportunity Zones <span class="tag tag-tax">Tax Break</span></h3>
+    <table>
+        <tr><th>Benefits</th><td>Federal capital gains tax deferral/reduction for investments in economically distressed areas</td></tr>
+        <tr><th>Coverage</th><td>156 zones in Indiana — several in St. Joseph County / South Bend</td></tr>
+        <tr><th>Info</th><td><a href="https://www.iedc.in.gov/program/indiana-opportunity-zones/home" target="_blank">iedc.in.gov — Opportunity Zones</a></td></tr>
+        <tr><th>Why it matters</th><td>More relevant for investors or if you have capital gains to defer. Worth knowing for future expansion or if someone invests in your trailers.</td></tr>
+    </table>
+</div>
+
+
+<h2>Additional Resources</h2>
+
+<div class="card">
+    <table>
+        <tr><th>Resource</th><th>URL</th><th>Notes</th></tr>
+        <tr><td>Indiana grants for Black-owned businesses (curated list)</td><td><a href="https://indyblackbusinesses.com/grants" target="_blank">indyblackbusinesses.com/grants</a></td><td>Updated regularly, browse all</td></tr>
+        <tr><td>Women &amp; Minority Business Indiana</td><td><a href="https://www.womenandminoritybusiness.org/indiana-free-grants-and-loans-for-minority-and-women-owned-businesses/" target="_blank">womenandminoritybusiness.org</a></td><td>Aggregated grants, loans, counseling</td></tr>
+        <tr><td>Elevate Ventures (Indiana VC/grants)</td><td><a href="https://elevateventures.com/minority-small-business-grants/" target="_blank">elevateventures.com</a></td><td>High-growth focused — more for tech, but has minority programs</td></tr>
+        <tr><td>South Bend Incentives &amp; Grants page</td><td><a href="https://www.southbendin.gov/department/community-investment/business-development/incentives-and-grants/" target="_blank">southbendin.gov — incentives</a></td><td>Full list of city programs</td></tr>
+        <tr><td>USDA all Indiana programs</td><td><a href="https://www.rd.usda.gov/programs-services/all-programs/in" target="_blank">rd.usda.gov — Indiana</a></td><td>Rural business, energy, community programs</td></tr>
+        <tr><td>IN.gov MWBE (state level — currently suspended)</td><td><a href="https://www.in.gov/idoa/mwbe/minority-and-womens-business-enterprises/" target="_blank">in.gov/idoa/mwbe</a></td><td>Suspended by EO 26-17, monitor for reinstatement</td></tr>
+        <tr><td>ICSSBM Grant Program (Indiana Commission)</td><td><a href="http://www.in.gov/icssbm/about-us/icssbm-grant-program" target="_blank">in.gov/icssbm</a></td><td>Partners with grassroots orgs to reduce barriers</td></tr>
+    </table>
+</div>
+
+<div class="strategy">
+    <h2>Recommended Funding Strategy</h2>
+    <p style="margin-bottom:1rem; color:#E7B4B8;">How to stack these programs for maximum benefit — do them in this order:</p>
+    <ol>
+        <li><strong>Week 1-2: File LLC + Get EIN</strong><br>
+            You need the entity to exist before any application. File SnS Hospitality Group LLC on INBiz ($95), get EIN same day on IRS.gov.</li>
+        <li><strong>Week 2-3: Apply to South Bend Opportunity Fund</strong><br>
+            Easiest entry point. Gets you coaching + access to $1-30k loan. The coaching makes all other applications stronger. <a href="https://isbdc.ecenterdirect.com/signup" style="color:#D4AF37;">Apply here</a>.</li>
+        <li><strong>Week 2-3: Apply to Bankable Black-Owned Fund</strong><br>
+            Up to $50k at low interest. Can run in parallel with Opportunity Fund. These are complementary, not competing. <a href="https://bankable.org/loans/" style="color:#D4AF37;">Apply here</a>.</li>
+        <li><strong>Week 3-4: <s>Submit Flagstar BIPOC Grant</s></strong> — CLOSED (all awards distributed)<br>
+            Monitor Indiana Black Expo + Flagstar for future rounds.</li>
+        <li><strong>Week 4-6: Apply for SBA Loan (traditional)</strong><br>
+            With LLC formed, EIN in hand, business plan written, and Opportunity Fund coaching on your resume — you're a stronger applicant. Target $65-80k.</li>
+        <li><strong><s>Month 2-3: USDA Business Builder</s></strong> — TERMINATED (July 2025, program killed by current admin)<br>
+            No longer available. Regional Food Business Centers shut down.</li>
+        <li><strong>Month 3+: REAP Solar Grant (when ready to install)</strong><br>
+            Apply once you know where T00-DRIP will park (need to confirm rural eligibility). Covers up to 50% of your solar/battery system. Stack with the 30% federal ITC for up to 80% covered.</li>
+        <li><strong>Ongoing: Location scouting in Enterprise/Opportunity Zones</strong><br>
+            Tell Kiowa to cross-reference her location list with the Enterprise Zone map. Parking in a zone = automatic tax credits on top of everything else.</li>
+    </ol>
+    <div class="note" style="margin-top:1.5rem; background: rgba(255,255,255,0.1); border-left-color: #D4AF37;">
+        <strong>Total potential capital stack (updated August 2026):</strong><br>
+        • Opportunity Fund: $30k (loan)<br>
+        • Bankable: $50k (loan)<br>
+        • <s>Flagstar: $5k (grant)</s> — CLOSED<br>
+        • SBA: $65-80k (loan)<br>
+        • <s>USDA Business Builder: up to $100k (grant)</s> — TERMINATED<br>
+        • REAP + ITC: 80% of solar costs (grant + tax credit)<br>
+        • EASSI (South Bend): solar/energy grant (inquiry sent)<br><br>
+        <strong>Realistic target: $80-160k in loans + solar grants covering power system.</strong><br>
+        Focus: Opportunity Fund coaching → Bankable → SBA. Solar grants after location secured.
+    </div>
+</div>
+
+<footer>
+    SnS Hospitality Group LLC — T00-DRIP Funding Research<br>
+    Researched August 5, 2026 | Review quarterly for new application windows<br><br>
+    <em>Good Coffee. Great Vibes. On Purpose.</em>
+</footer>
+
+<h2>Message to Team (Kiowa)</h2>
+<div class="card">
+    <p><strong>From:</strong> Sam &nbsp;|&nbsp; <strong>Date:</strong> August 5, 2026</p>
+    <hr style="border:none; border-top:1px solid #E7B4B8; margin:0.75rem 0;">
+    <p>Hey Kiowa,</p>
+    <p>I'm working on getting us funded. I put together a full research doc on every grant, loan, and program we qualify for — it's in the shared Drive.</p>
+    <p><strong>Where to find it:</strong></p>
+    <ul style="margin:0.5rem 0 0.5rem 1.5rem;">
+        <li>Legal folder: <a href="https://drive.google.com/drive/folders/1kp6q5v6UcJAraaiRncsMg60KV3PPjQoj?usp=drive_link" target="_blank">Google Drive — Legal</a></li>
+        <li>A copy is also in the Research folder</li>
+    </ul>
+    <p>I sent you an email giving you access to the parent folder so you can see everything.</p>
+    <p><strong>My focus right now:</strong> Task 1 from the funding strategy — filing the LLC and getting the EIN. Once that's done, we can start submitting applications.</p>
+    <p><strong>Your part (when ready):</strong> Start thinking about locations. Some areas in South Bend are in "Enterprise Zones" which give us automatic tax credits just for operating there. When you're scouting parking lots, I'll share the zone map so we can cross-reference.</p>
+    <p>You'll have visibility of all deliverables in the shared Drive as things get filed.</p>
+    <p>— Sam</p>
+</div>
+
+<footer>
+    SnS Hospitality Group LLC — T00-DRIP Funding Research<br>
+    Researched August 5, 2026 | Review quarterly for new application windows<br><br>
+    <em>Good Coffee. Great Vibes. On Purpose.</em>
+</footer>
+
+</body>
+</html>

businesses/sns-hospitality-group/coffee-trailers/T-00/docs/purchase-pricing.csv

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+Category,Item,Supplier,Case Size,Case Price,Per Unit Cost,Markup %,Standalone Sell Price,Notes
+Disposables,12 oz Hot Cup (PLA),CiboWares,1000,$101.98,$0.10,600%,$0.60,PLA-lined compostable
+Disposables,16 oz Hot Cup (PLA),CiboWares,1000,$118.98,$0.12,600%,$0.72,Most popular size
+Disposables,20 oz Hot Cup (PLA),CiboWares,1000,$129.98,$0.13,600%,$0.78,Large size
+Disposables,Clamshell Container 6x6x3,CiboWares,300,$39.99,$0.13,600%,$0.78,For pastries/baked goods
+Disposables,Hot Cup Lid (fits 12/16/20),TBD,1000,TBD,~$0.05,600%,$0.30,Need to source
+Disposables,Cup Sleeve / Java Jacket,TBD,1000,TBD,~$0.03,600%,$0.18,Need to source
+Disposables,Cold Cup 16 oz (clear),TBD,1000,TBD,~$0.08,600%,$0.48,For iced drinks
+Disposables,Cold Cup 24 oz (clear),TBD,1000,TBD,~$0.10,600%,$0.60,For large iced/smoothies
+Disposables,Dome Lid (cold cups),TBD,1000,TBD,~$0.05,600%,$0.30,For whipped cream drinks
+Disposables,Flat Lid (cold cups),TBD,1000,TBD,~$0.04,600%,$0.24,No-whip iced drinks
+Disposables,Straw (paper/compostable),TBD,200,TBD,~$0.03,600%,$0.18,
+Disposables,Wide Straw (smoothie),TBD,100,TBD,~$0.05,600%,$0.30,
+Disposables,Napkin (beverage),TBD,500,TBD,~$0.01,600%,$0.06,
+Disposables,Stir Stick (wooden),TBD,500,TBD,~$0.01,600%,$0.06,
+Disposables,Cup Carrier (2/4-cup),TBD,50,TBD,~$0.15,600%,$0.90,
+Disposables,Paper Bag (pastry),TBD,100,TBD,~$0.05,600%,$0.30,
+Coffee,Espresso beans (per shot ~7g),Bendix,5 lb bag,$TBD,~$0.35,600%,$2.10,~320 shots per 5lb bag
+Coffee,Drip coffee (per 12oz cup),Bendix,5 lb bag,$TBD,~$0.25,600%,$1.50,~60 cups per 5lb bag
+Dairy,Whole milk (per 8oz steam),GFS,1 gallon,$TBD,~$0.30,600%,$1.80,~16 servings per gallon
+Dairy,Oat milk (per 8oz steam),GFS,half gallon,$TBD,~$0.50,600%,$3.00,Oatly Barista ~8 servings per half gal
+Dairy,Heavy cream (per 2oz),GFS,1 quart,$TBD,~$0.20,600%,$1.20,For breves
+Dairy,Whipped cream (per serving),TBD,can,$TBD,~$0.15,600%,$0.90,
+Syrups,Vanilla (per pump ~10ml),Torani/Monin,750ml,$TBD,~$0.08,600%,$0.48,~75 pumps per bottle
+Syrups,Caramel (per pump),Torani/Monin,750ml,$TBD,~$0.08,600%,$0.48,
+Syrups,Mocha sauce (per pump),Ghirardelli,64oz,$TBD,~$0.12,600%,$0.72,
+Syrups,White mocha (per pump),TBD,64oz,$TBD,~$0.12,600%,$0.72,
+Sweeteners,Sugar packet,TBD,200 box,$TBD,~$0.02,600%,$0.12,
+Sweeteners,Honey (per squeeze),TBD,12oz bottle,$TBD,~$0.10,600%,$0.60,
+Toppings,Cinnamon (per shake),TBD,shaker,$TBD,~$0.02,600%,$0.12,
+Toppings,Cocoa powder (per dust),TBD,1 lb,$TBD,~$0.03,600%,$0.18,
+Toppings,Chocolate chips (per scoop),TBD,bag,$TBD,~$0.10,600%,$0.60,
+Baked Goods,Muffin,Local Bakery,dozen,$TBD,~$1.00,600%,$6.00,Sell individually
+Baked Goods,Scone,Local Bakery,dozen,$TBD,~$1.25,600%,$7.50,
+Baked Goods,Croissant,Local Bakery,dozen,$TBD,~$1.50,600%,$9.00,
+Baked Goods,Cookie,Local Bakery,dozen,$TBD,~$0.75,600%,$4.50,
+Baked Goods,Bagel,Local Bakery,dozen,$TBD,~$0.50,600%,$3.00,
+Baked Goods,Cream cheese packet,TBD,24 pack,$TBD,~$0.25,600%,$1.50,Add-on for bagels