CoG

Product Wireframes — v3

30 screens · 6 persona journeys · 3 role views · full PRD section 7 coverage · derived from BRD v0.8 / PRD v0.6
1 requirement callout AI urgent ok
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Force MultiplAI · Product Design · Design artifact

Center of Gravity (CoG) — Product Wireframes

Screen-by-screen wireframes for the CoG v1 product, derived from the CoG Business Requirements Document (v0.8) and the CoG Product Requirements Document (v0.6). Each screen carries the requirement IDs it illustrates, so a reviewer can check the design against the text. The second half is the persona layer: six journeys through the same screens, and the three role views where the access model differs. Layouts, copy and sample figures are illustrative; the rules and constraints in the source documents are binding.
Reading the wireframes. Every screen opens with a one-line purpose and the PRD section it covers. The numbered callout beside each element points to the requirement quoted in the "Requirements shown" block at the foot of the screen. Grey text is sample data; purple is AI-surfaced or AI-drafted; red is urgent or blocked; green is approved, confirmed or done; amber is a threshold, a decision or a held item. The screen is lo-fi: boxes are boxes, not components, and the annotation is the spec.
#ScreenAreaPurpose
01HomeThe owner's dayOne consolidated view. No data of its own; every figure equals its source area.
02TasksThe owner's dayThe single list of everything requiring attention, ranked by importance and due date.
03Approval reviewThe owner's dayThe single approval view: full content, every recipient by name, the amount, and the 10-second hold.
04CalendarThe owner's dayBehaves like a consumer calendar. Adds the rest of the business to one timeline.
05CommunicationThe owner's dayThe unified inbox for email, text, calls and voicemail, with the reply prepared before the owner opens it.
06SchedulingThe workWork is created, staffed and routed. The board is the default view; the label changes per industry.
07Route optimizationThe workEach crew's day as an ordered route with drive time and miles, published only after approval or under a grant.
08FinanceThe workMoney in, money out, cash position, and the profitability reports. The client's accounting system stays the ledger.
09EstimateThe workA priced proposal that shows expected cost, price and margin before anything is sent.
10CRM recordThe businessThe client's visual database: one record per customer, property, supplier, vendor, team member and adviser.
11Client identificationThe businessAnything that cannot be matched with certainty waits in the unmatched queue for a person.
12Business ManagementThe businessThe administrative back office: licenses, insurance, registrations, contracts, filings, and the business's reviews.
13TeamThe businessEmployee management: each employee's view, capacity, time off, scorecards and actual time.
14ReportingThe businessAnswers questions about the business as a whole, combining data across connected tools.
15IntegrationsThe businessThe connection layer: every tool, what it reads and writes, its sync time, health and mode.
16Governance reviewControl & surfacesThe monthly review of access, autonomy, standing instructions, identification and data reconciliation.
17Activity logControl & surfacesAppend-only. Every action, its actor, its approver or grant, and its result.
18Mobile app (field staff)Control & surfacesNative iPhone and Android app for owners and staff: the day's work, the close-out, time off, and consent.
19Voice & websiteControl & surfacesThe voice agent and the website chat answer live, verify before disclosing, and commit the business to nothing.
23NewsThe businessIndustry-relevant articles, videos and podcasts with AI summaries, a weekly digest, and a feed the owner can teach.
24Pricing IntelligenceService modulesCost tracking, margin flags, price recommendations, surge rules — and the emergency freeze nothing can override.
25AI Search OptimizationService modulesOne identity across every listing and platform, proposed updates, and visibility in search and AI answers.
26ConfigurationControl & surfacesOne product, configured per business: vocabulary, services, fields, thresholds, weather rules, and the register.
27Accounts, roles & notificationsControl & surfaces2FA sign-in, sessions, users and roles, sensitive-class switches, notification rules, identity, support and export.
28OnboardingControl & surfacesFM sets everything up; the owner's only steps are authorizing access and confirming details. Baselines are recorded.
29Assistant capabilitiesControl & surfacesThe workflow catalog: what agents can do, their track record, their mode — and the place grants are created and revoked.
30Classes & agreementsThe workStudio scheduling on the same model: capacity, waitlists, enrollment messages — plus service agreements and application records.
20Field staff viewRole viewsThe same Home as the field staff sees it: own route, own jobs, no financial data.
21Manager viewRole viewsThe same Home as a manager sees it: approvals, a dollar cap, the month-end package.
22Principal viewRole viewsThe same Home as the Principal sees it: the whole business, the reserved rights, the governance review.
P1Rudy — the plumbing owner's dayPersona journey8 staff · plumbing · Jobber + QuickBooks + Gmail · 6 steps through 5 screens
P2Scott — the HVAC owner's dayPersona journey7 technicians · HVAC · Housecall Pro · 6 steps through 5 screens
P3Marisol — the landscaping owner's dayPersona journey14 staff · 3 crews · landscaping · LMN + Wix · 6 steps through 5 screens
P4Dana — the office manager's dayPersona journeyManager · electrical contractor · 6 steps through 5 screens
P5Derek — the technician's dayPersona journeyField staff · HVAC · phone · 6 steps through 3 screens
P6Tallypoint — the bookkeeper's touchpointPersona journeyOutside adviser · never logs in · 4 steps through 2 touchpoints
MPersona × screenMatrixWho uses which screen. The matrix maps the six journeys back to all 30 screens, including the eight gap-closing surfaces.
01

Home

One consolidated view. No data of its own; every figure equals its source area.
cog.app/homeWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
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Assistant
SC
! Jobber connection failed — last sync 14 min ago. Actions that write to Jobber are held. Fix connection
Good morning, Scott Tue 9 Nov
3 approvals waiting · 1 invoice overdue · 2 jobs at risk · cash $18,400, 12 days below the floor
Review 3 approvalsOpen tasks
What needs youEvery urgent item, ranked 1
$
Invoice #1042 — Harbor Leasing
$4,200 · 31 days overdue · due 9 Oct · QuickBooks
OpenSend reminder
B
Bill — Ferguson Supply
$2,860 · due today · auto-pay off · Ferguson
OpenPay
M
Text — Dana Whitfield (new lead)
“Do you have a slot for a furnace tune-up?” · 12m · Twilio
OpenReply
J
Job — 14:00 furnace install, Riverside
Crew B · 2 techs · 3h · not published · Housecall Pro
OpenReview
R
Unmatched receipt — Shell #221
$86.40 · 3 Nov · candidate: Scott’s truck
OpenAttach
Acting here has the same effect as acting in the area. 2
TodayTue 9 Nov · 3 crews
08:00
Routine maintenance — 4 jobs, 2 techs · Crew A on route
09:30
Furnace install — Riverside, 2 techs · Crew B running late
11:00
AC repair — 1 tech · Crew C not published
14:00
Estimate visit — 1 tech · Crew A needs approval
Awaiting approval3
A
Send reminder — Invoice #1042
Harbor Leasing · $4,200 · draft ready · AI
ReviewApprove
A
Pay bill — Ferguson Supply
$2,860 · second approver required above $10,000 · AI
Review
A
Reply to review — 2★
Google · no AI draft exists; manual only
Review
Cash on hand
$18,400
12 days below floor
Booked this week
$42,180
+8% vs prior week
Overdue
$9,640
3 invoices
Approvals
3
2 waiting on you
ConnectionsEvery tool, status and mode
QuickBooks live 2m Jobber failed 14m Gmail live 1m Twilio live — Plaid catch-up 6m Housecall Pro live 1m
A broken vital connection shows a red banner on every screen until it is fixed. 3
InsightsPositive only
↑
Record month for maintenance
$12,400 in booked work, 22% above the prior best.
Open report
↑
Days to payment down 4
From 18 to 14 days against the onboarding baseline.
Open report
01 · Home — requirements shown — cited from PRD v0.6 / BRD v0.8
  • HM-1 Urgent tasks from every area, the day's schedule, headline figures.
  • HM-2 Act on an item from Home with the same effect as in its area.
  • HM-3 Positive insights, each with its figure and a link to the report.
  • HM-4 Every action awaiting approval, each with a single approval.
  • HM-5 A short briefing: what is open, what is next, how many approvals.
  • HM-6 The assistant's entry point for whole-business questions.
  • HM-7 A strip showing each connection's status and mode.
  • IN-2 A broken vital connection shows a red banner on every screen.
  • IN-17 A connection in fallback mode has its chore on the task list.
  • PL-25 The product uses the real date and time in the client's time zone.
The briefing is the only place the day's priorities are stated in one sentence; the red banner is the cross-screen failure state from IN-2. Home computes nothing.
02

Tasks

The single list of everything requiring attention, ranked by importance and due date.
cog.app/tasksWireframe
CoG
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Assistant
SC
Tasks
New task
AllQuick tasksAwaiting approvalFinanceCommunicationScheduling SearchSort: importance
UrgentOverdue or due within 3 days
$
Invoice #1042 — Harbor Leasing
$4,200 · 31 days overdue · due 9 Oct · QuickBooks
OpenSend reminder
B
Bill — Ferguson Supply
$2,860 · due today · auto-pay off · Ferguson
OpenPay
M
Text — Dana Whitfield (new lead)
“Do you have a slot for a furnace tune-up?” · 12m · Twilio
OpenReply
ImminentDue in 4–7 days
R
Unmatched receipt — Shell #221
$86.40 · 3 Nov · candidate: Scott’s truck
OpenAttach
J
Job — 14:00 furnace install, Riverside
Crew B · 2 techs · 3h · not published · Housecall Pro
OpenReview
O
Open estimate — 3 weeks, no reply
Miller residence · $8,200 · 38% margin · follow-up drafted
OpenSend follow-up
UpcomingDue beyond 7 days or undated
B
Renewal — HVAC license
Expires 12 Dec · 33 days · $240 · no document on file
OpenReview
G
Grant review — booking confirmations
20/20 approvals · 0 edits · 1 exception
OpenReview
Task detailUrgent
Invoice #1042 — Harbor Leasing
$4,200 · 31 days overdue · due 9 Oct 2026 · QuickBooks
CustomerHarbor Leasing · billing contact: Dana Whitfield
Invoice#1042 · total $4,200 · paid $0 · balance $4,200
OriginJob 8841 · 3 units · 14 Oct
DocumentsInvoice PDF · PO 88213
RelatedCRM · Finance · Job · Activity
HistorySent 2 Oct · viewed 3 Oct · reminder 1 Oct
Progresscreated → sent → viewed → reminded → paid
Send reminder Record payment Download PDF Copy payment link
SnoozeDismissStar
Snoozed and dismissed items are listed in their own views and restorable. 2
SourceEvery figure names its source and last sync
QuickBooks 2mGmail 1mJobber 14m
A task closes itself when its underlying item is resolved in a connected tool, with confidence. 3
Receipt, end to endPhoto → extract → categorize → write back 1
1
Photographed on the phone's share sheet — or uploaded, dragged, pasted, or emailed to the forwarding address 2
2
Fields extracted: payee Ferguson · $228.40 · 8 Nov · medium: category? Materials Repair
3
Flagged: duplicate of bill #44821 line 2 — asked, never assumed
4
Written to QuickBooks as an expense · linked to job 8903 · visible to the adviser in the month-end package
Medium- and low-confidence fields are always asked, never guessed — even under a grant. 3
Completed & dismissedRestorable 4
✓
Invoice #1039 reminder
Completed 4 Nov · paid 6 Nov · outcome recorded
Restore
—
Supplier ad — "Summer sale"
Dismissed 2 Nov · reason kept · "make this a standing instruction?"
Convert
Manual tasks & documents
Any user with Write creates a task with a title, due date, category and notes. Documents on a task are viewable, downloadable and sendable from it. Decisions — snooze, dismiss, complete — are business records, logged with who made them. The assistant can complete or guide a manual task (P3). 5
02 · Tasks — requirements shown — cited from PRD v0.6 / BRD v0.8
  • TK-1 One list, ranked by importance and due date.
  • TK-2 Three urgency levels: Urgent, Imminent, Upcoming.
  • TK-3 Tasks generated automatically from every trigger in 7.3.2.
  • TK-5 Every task type presents the common structure.
  • TK-6 The action that completes a task is on the task.
  • TK-8 Progress through defined stages.
  • TK-11 Filterable by area, quick tasks, awaiting approval; reorderable.
  • PL-17 Every figure names its source and last sync time.
  • PL-19 Every list supports search, sort and filter.
  • PL-27 Likely answers as one-tap choices; typing or speaking as fallback.
  • PL-28 Confidence: high, medium, low; never guess.
  • PL-29 Snoozed and dismissed items have their own views, restorable.
  • PL-31 A worsened item returns with what changed; a second dismissal asks.
  • TK-4 Any user with Write creates a manual task: title, due date, category, notes.
  • TK-7 Documents on a task are viewable, downloadable and sendable from it.
  • TK-10 Completed tasks list with outcomes and are restorable; a dismissal may become a standing instruction.
  • TK-12 A photographed receipt runs end to end: extract, categorize, flag duplicates, write back, reach the adviser.
  • TK-13 The assistant completes or guides a manually created task (P3).
  • TK-15 Task decisions are business records, logged with who made them.
  • PL-7 Restore, snooze to a date, star, dismiss with a reason.
  • PL-15 Structured fields extracted from photos and PDFs; medium/low confidence always asked.
  • PL-16 A document on any item is viewable, downloadable and sendable from it.
  • PL-30 Documents enter by photo, upload, drag, paste, share sheet, or email.
  • AI-5 Medium- or low-confidence reads are asked, never guessed — even under a grant.
The detail panel shows the full common structure. The task closes itself only when the resolving event matches with confidence (TK-9), otherwise it asks.
03

Approval review

The single approval view: full content, every recipient by name, the amount, and the 10-second hold.
cog.app/tasks/approvalWireframe
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Approval required — Pay billApproval
PayeeFerguson Supply · account •••• 8821
Amount$2,860.00 · from Operating •••• 4821
DueToday, 9 Nov 2026
BillFerguson #44821 · 2 line items · receipt attached
ApproverScott (Principal) · Approve rights in Finance · $2,860 under $10,000 cap
Second approverRequired above $10,000 — not required here
10-second hold
10sCancel
Nothing leaves during the countdown. Approve, reject or cancel. 2
What happens after approval
Payment is sent through the licensed payment provider. The bill is recorded in QuickBooks and the task closes. The activity log records the approver, the amount and the provider.
RejectApprove payment
Approval queue5
$
Pay bill — Ferguson
$2,860 · Finance
Selected
M
Group message — 18 customers
Winter tune-up · Communication
R
Review reply — 2★
Google · manual only
W
Website change — hours
AI Website · never granted
J
Write-back — Jobber
Job 8841 · held
Group messageEvery recipient named
Dana WhitfieldRudy AlvarezMarisol VegaScott ChenDerek LewisTallypoint+ 12 more
The approver can remove any recipient. No group send proceeds without the named list. 3
Why this is heldRule
Moving money is never eligible for a grant. A change to a payee's bank details is flagged before payment. A second approver is required above the amount the Principal set. 4
03 · Approval review — requirements shown — cited from PRD v0.6 / BRD v0.8
  • PL-5 Explicit approval before any action with an effect outside CoG.
  • PL-6 A 10-second cancel window on everything outbound.
  • PL-10 Moving money is never grant-eligible; a changed payee is flagged.
  • FN-12 Bill pay: approval, second approver above the amount, no card storage.
  • CM-21 Every recipient named before a group send; removable.
  • RU-30 The actions that are never eligible for a grant.
  • SC-06 The second approver requirement for large payments.
  • PL-23 An action inside its hold counts nowhere until it lands.
The hold is shown as a live countdown, not a checkbox. The approval view shows the payee, amount, source, and the consequence of approval in one place.
04

Calendar

Behaves like a consumer calendar. Adds the rest of the business to one timeline.
cog.app/calendarWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
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Assistant
SC
Calendar
MonthWeekDayNew event
November 2026Tue 9
mini month
Team members
Scott
Derek
Marisol
Luis
Event types
Jobs & visits
Renewals
Bills & invoices due
Time off
Tasks
Week 9–15 NovEach item shows its source
9Mon
Routine maintenance
CoG · Scheduling
Team stand-up
Google Calendar
Ferguson bill due
QuickBooks
10Tue
Furnace install
CoG · Scheduling
Supplier call
Google Calendar
HVAC license renewal
Business Management
11Wed
AC repair
CoG · Scheduling
Invoice #1043 due
QuickBooks
12Thu
Routine maintenance
CoG · Scheduling
Derek — time off
Team
13Fri
Estimate visit
CoG · Scheduling
Payroll day
Gusto
14Sat
Emergency call
CoG · Scheduling
15Sun
No work
CoG
Jobs are read-only here and link to Scheduling. Editing happens in one place. 1
Day detail — Tue 10Availability, hours, events
Crew ADerek · 08:00–17:00 · 2 jobs · 1h 24m drive
Crew BMarisol · 09:30–16:00 · 1 job · running late
FreeLuis · 08:00–17:00 · 1 unassigned job
The assistant answers availability questions from this data. 2
04 · Calendar — requirements shown — cited from PRD v0.6 / BRD v0.8
  • CA-1 Month, week and day views; create, edit, move, repeat.
  • CA-2 Events from the connected calendar, jobs, visits, classes, and due dates; each source identified.
  • CA-3 Each team member's schedule, availability and hours.
  • CA-4 Show or hide event types; define additional types.
  • CA-5 Events created or changed in CoG are written back to the connected calendar.
  • CA-6 A job shown on the calendar is read-only and links to Scheduling.
  • CA-7 The assistant answers availability questions from calendar data.
  • CA-8 Whether tasks also show on the calendar is undecided (OQ-7).
Every event carries its source in small text. Jobs are read-only here; editing happens in one place. The mini month is a placeholder in this wireframe.
05

Communication

The unified inbox for email, text, calls and voicemail, with the reply prepared before the owner opens it.
cog.app/communicationWireframe
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Communication
EmailPhoneProposedDraftsSent
InboxOnly business-relevant
M
Dana Whitfield new lead
“Do you have a slot for a furnace tune-up?”
12m · text · Twilio
M
Harbor Leasing existing customer
“Invoice #1042 is still pending approval.”
1h · email · Gmail
M
Ferguson Supply bill
“Statement for October — 2 invoices.”
2h · email · Gmail
M
Missed call — 619 555 0142 new lead
Voicemail 0:24 · transcript ready
3h · call · Twilio
Excluded messages stay reachable: Spam Promotions Newsletters
Dana Whitfieldnew lead
Dana Whitfield · 12m ago · text
“Do you have a slot for a furnace tune-up? The heat is coming on but it smells like dust.”
Drafted reply AI
Draft · AI-generated
“Hi Dana — we can get a technician out Thursday morning. The dust smell is usually normal on first start, but we’ll check it. Would 9–11 am work?”
Approve & sendEditCompose from pointsWrite manually
No draft states a price, date or fact not in the records. 1
Sender contextFrom the CRM
CustomerNew lead · no record yet
Phone619 555 0142 · matches no CRM record
Address—
RelatedNone · create a lead
An unknown sender is shown as a new lead, never attached to a best guess. Uncertain matches go to the unmatched queue. 2
Phone — the business numberTwilio · ported from the existing line 1
T
Text thread — Dana Whitfield new lead
Read and sent from within CoG on +1 619 555 0100 · STOP honored at once, kept per contact
Reply
V
Voicemail — 0:24 · missed call
Transcript and a one-line summary; a text reply is drafted for approval
Approve text
F
Proposed follow-ups — by text and email
Thank-you after job 8841 · next-job prompt for tune-up · annual check for Harbor Leasing
Review
Outbound email sends from the owner's own account and appears in its sent folder. No AI-voiced outbound calls in v1 — the system reaches out by email and text only. 2
Consent & opt-outPer contact, kept
Texting10DLC registered for this client · marketing texts only to recorded consent (CP-01)
EmailIdentity, postal address and a working unsubscribe on every campaign (CP-05)
A reply is drafted only where the records answer the question — no invented price, date or fact. 3
Granted sendsG-14
Routine follow-ups that need no decision run under grant G-14 after 20 clean approvals — still through the 10-second hold, still in the log. 4
05 · Communication — requirements shown — cited from PRD v0.6 / BRD v0.8
  • CM-1 Only business-relevant messages; excluded mail stays reachable.
  • CM-2 Classify each message automatically; category set configurable.
  • CM-3 Sender's CRM record and any related job; unknown sender is a new lead.
  • CM-4 A draft reply for every message that does not require a decision.
  • CM-5 For a message needing a decision: assessment, notes, manual compose.
  • CM-7 Describe a recipient group and a message in natural language.
  • CM-13 Saved drafts persist; all sent messages are listed.
  • CM-22 Excluded messages remain reachable and reclassifiable.
  • PL-4 Three composition modes: accept AI draft, write from points, write manually.
  • CM-6 Follow-up types proposed: thank-you, next-job prompt, annual check.
  • CM-8 Each client gets one business number, new or ported.
  • CM-9 Texts on the business number are read and sent within CoG.
  • CM-11 Proposed follow-ups go by text as well as email.
  • CM-12 Outbound email sends from the owner's account; appears in its sent folder.
  • CM-14 Consent and opt-out rules for bulk email and text.
  • CM-15 Routine sends may earn a grant; the hold and the log still apply.
  • CM-17 A reply is drafted only where the records answer the question.
  • CM-18 10DLC registration before texting on a client's behalf; STOP honored.
  • CM-19 Marketing email carries identity, address and a working unsubscribe.
  • CM-20 No AI-voiced outbound calls in v1 — email and text only.
The five views are Email, Phone, Proposed messages, Drafts, Sent. The draft is labeled AI wherever it is shown. No draft states a price, date or fact not in the records.
06

Scheduling

Work is created, staffed and routed. The board is the default view; the label changes per industry.
cog.app/schedulingWireframe
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Scheduling
BoardListRoutePublishDraft
BoardCrews × day · drag to move
Unassigned 2
AC repair
Riverside · 11:00 · 1h · $180
needs tech
Estimate visit
Miller · 14:00 · 1h · $0
needs tech
Crew A · Derek 2
Routine maintenance
08:00 · 4 jobs · 2h
on route
Estimate visit
14:00 · 1h
conflict
Crew B · Marisol 1
Furnace install
09:30 · 2 techs · 3h · $1,850
running late
AC repair
13:00 · 1h
not published
Crew C · Luis 1
AC repair
11:00 · 1h · $180
Job detailDraft
Furnace install — Riverside
Riverside Apartments · 14 Oak St · 09:30–12:30 · 3h
CrewCrew B · Marisol, Derek
QualificationsEPA 608 · current · Derek
Price$1,850 · service list
Statusscheduled · not published
Actual time—
Reminderdrafted · 24h lead time
Assignment noticesent · seen · not acknowledged
Move crewPublishSave draft
If the crew is unavailable or unqualified, the system proposes an alternative or flags the conflict before saving. 1
AssistantAI
Ask the schedule…
Who is free on Friday?Which jobs are unstaffed?
Answers match the schedule shown. 2
06 · Scheduling — requirements shown — cited from PRD v0.6 / BRD v0.8
  • JB-1 Connected mode: read and write back jobs, visits, routes, status.
  • JB-2 Native mode: CoG is the system of record for a client with no scheduling tool.
  • JB-3 Create a proposed job from a typed or spoken sentence; nothing exists until confirmed.
  • JB-4 Check availability and qualifications; flag the conflict before saving.
  • JB-5 Crews: view each job's crew against its requirement; move staff between jobs.
  • JB-6 Direct manipulation (drag and drop).
  • JB-7 Save a change in CoG and publish later, or publish immediately.
  • JB-8 A recurring change applies to one occurrence, subsequent ones, or all.
  • JB-9 A customer reminder is drafted by the configured lead time.
  • JB-10 Reminder sending may be granted once it meets the track record.
  • JB-20 Assignment notices reach employees by email, text and the app, with acknowledgment.
  • JB-21 The dispatch loop runs both ways; a delay from the app re-plans.
  • JB-11 The assistant answers schedule questions; suggestions follow PL-3.
  • PL-2 A spoken or typed sentence becomes a proposed job; nothing exists until confirmed.
Unpublished changes are visibly marked. The board is the default; the studio's label is 'Classes', the landscaping label is 'Routes' (VC-1).
07

Route optimization

Each crew's day as an ordered route with drive time and miles, published only after approval or under a grant.
cog.app/scheduling/routeWireframe
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Route — Crew A
BoardListRoutePublish route
Route — Tue 9 NovCrew A · 8 stops
1
2
3
4
5
6
7
8
routestop
OptimizeRe-plan
Route summaryApproved or granted
Drive time
1h 24m
vs 1h 52m planned
Miles
42.6
vs 51.2
Stops
8 stops · 4 jobs · 2 estimate visits · 1 supplier pickup
Publish routeEdit order
Re-plan1 job late
Furnace install at 14:00 is running 40 min over. The 15:30 AC repair is affected.
M
Draft notice — 15:30 AC repair
“We’re running about 40 minutes behind. We’ll text when we’re on the way.”
Review
M
Draft notice — 16:30 estimate
Move to 17:00 or reschedule.
Review
07 · Route optimization — requirements shown — cited from PRD v0.6 / BRD v0.8
  • JB-13 Route optimization: ordered route, drive time, miles, published after approval or grant.
  • JB-14 Re-plan when the day changes; draft a notice to every affected customer.
  • JB-15 Weather rules reschedule affected days; customer notices.
  • LM-1 Parts delay for a job appears as an urgent task today.
  • LM-3 Technician status from events; on-shift geofence; detect a job running over.
  • LM-4 A job running over or a late technician: identify affected jobs and draft notices.
  • RP-10 Reporting shows drive time and miles, and savings from optimized routes.
  • JB-12 A job running over or a late technician: affected jobs identified, notices drafted.
The map is a placeholder; the route line, pins and summary are illustrative. The re-plan panel is the two-way dispatch loop (JB-21) and the weather rule (JB-15).
08

Finance

Money in, money out, cash position, and the profitability reports. The client's accounting system stays the ledger.
cog.app/financeWireframe
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Finance
PositionMoney inMoney outEstimatesReports
Cash on hand
$18,400
12 days below floor
Profit this month
$9,860
22% margin · +6% vs prior
Overdue
$9,640
3 invoices · 2 customers
120-day cash chartKnown solid · expected dashed · payroll P
0k10k20k30k40k Cash floor $12k PPPP $26.5k $22.0k 0d30d60d90d120d
Lowest point $14.2k on 15 Nov · cash floor $12k · payroll 15 Nov, 30 Nov, 15 Dec, 30 Dec
Items requiring action3
$
Invoice #1042 — Harbor Leasing
$4,200 · 31 days overdue
Send
B
Bill — Ferguson Supply
$2,860 · due today
Pay
R
Projected — payroll
$14,200 · 15 Nov · read-only
Estimate
Overdue receivablesRanked by amount and age
$
Harbor Leasing
$4,200 · 31 days · 1 invoice
Reminder
$
Riverside Apartments
$3,600 · 18 days · 1 invoice
Follow-up
$
Miller residence
$1,840 · 12 days · 1 invoice
Call
Money inEvery invoice
CustomerInvoiceAmountBalanceStatus
Harbor Leasing#1042$4,200$4,200Overdue
Riverside Apartments#1043$3,600$3,600Overdue
Miller residence#1044$1,840$1,840Sent
Dana Whitfield#1045$320$320Draft
Money outBills, projected, payroll
PayeeAmountDueStatus
Ferguson Supply$2,860TodayAwaiting approval
SiteOne$1,12012 NovAuto-pay
Payroll — Gusto$14,20015 NovRead-only
Projected — fuel$48020 NovEstimate
Drafted from completed jobsAI
I
Invoice — job 8841 · Riverside
Drafted within one sync of completion · $1,850 · 2 lines from the service list
Review
I
Invoice — dictated at the job
"Replaced capacitor, tested, 40 min" → priced draft · FN-3
Review
Invoice drafting may earn a grant (FN-5). Recording a payment always needs approval and writes to the accounting system. 1
Bank feed — categorize with confidencePlaid 2
✓
Johnstone Supply — $612
Materials · high confidence · same as the last 9
?
"SQ *ANGI ADS" — $299
Medium · likely Marketing — tap to settle
MarketingOther
Once categorized, the same and recurring items from that payee follow automatically. Expected recurring bills not yet received sit in money out as projected. 3
Invoice changes & profitability
A sent invoice is never edited in place: a credit note or a revised invoice, with the reason, under approval. 4
Profit by jobBy serviceBy crewBy customerBy property
Customer value & costly onesReturn on spending by lead sourceCoG value vs baselines
Reports follow the client's books — cash basis by default. These run in Reporting with the same figures (RP-11). 5
08 · Finance — requirements shown — cited from PRD v0.6 / BRD v0.8
  • FN-1 Data sourced from the accounting system and bank; CoG items written back.
  • FN-2 All receivables and payments; draft reminders for overdue invoices.
  • FN-12 Bill pay through a licensed provider; approval, second approver, payee-change flag.
  • FN-13 Cash flow forecast, profit by month, job cost, utilization, month-end package.
  • FN-16 Payroll read from the provider, read-only, never summed into money out.
  • FN-21 Overdue receivables ranked by amount and age; collection sequence proposed.
  • FN-27 Store facts; calculate everything else from them.
  • FN-28 120-day cash chart, known vs expected, lowest point, cash floor, payroll days.
  • FN-30 Projected money with no time limit; matched to actuals; variances.
  • FN-32 Online customer payments; payment link; money never held by FM.
  • FN-33 Contractors paid as vendors with W-9, 1099 preparation, misclassification flag.
  • FN-3 A proposed invoice from a typed or spoken description, including dictated at the job.
  • FN-4 A completed job without an invoice produces a draft within one sync.
  • FN-5 Invoice drafting and reminder sending may earn a grant.
  • FN-6 Recording a payment needs approval and is written to the accounting system.
  • FN-7 Money out includes both bills and day-to-day expenses.
  • FN-8 Expenses are created from uploaded receipts (TK-12).
  • FN-9 Bank transactions import through Plaid and are categorized.
  • FN-10 A categorized payee's similar and recurring items follow automatically.
  • FN-11 Expected recurring bills sit as projected expenses.
  • FN-22 Profit and margin by job, service, crew, customer and property.
  • FN-23 Customers ranked by value; costly ones flagged.
  • FN-24 Return on spending: revenue and margin by lead source against spend.
  • FN-25 CoG's own value against the onboarding baselines.
  • FN-26 Reports follow the client's books — cash basis by default.
  • FN-31 Sent invoices change by credit note or revision, never in place.
  • RP-11 Reporting carries the profitability, value, ROAS and CoG-value reports.
The chart is illustrative: the known segment is solid and the expected segment dashed. The payroll days are marked 'P'. The cash floor is a dashed line. Every figure names its source.
09

Estimate

A priced proposal that shows expected cost, price and margin before anything is sent.
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Finance / Estimate #E-221
Save draftSend for approval
Estimate — Miller residenceDraft
ServiceQtyCostPriceMargin
Furnace replacement — 80% AFUE1$1,240$2,85056%
Labor — 2 techs, 6h12h$540$1,08050%
Parts — venting, filter1$180$32044%
Permit1$95$950%
Total price $4,345 Expected cost $2,055 Margin $2,290 · 52.7%
Margin vs targetTarget 45%
Margin52.7%
Target45%
Above target. The margin is shown before the estimate is sent.
Local market rangePI-3 · source and date
$3,900–$4,900 for this service in 92101, from 12 published and anonymized sources. The estimate sits in the middle.
$3,900$4,345$4,900
StatusDraft → sent → won/lost
CustomerMiller residence · 22 Palm Ave
Lead sourceGoogle Ads
Follow-ups3 days, 7 days, 14 days
Loss reason—
Send for approval
No estimate is sent without its expected margin shown to the approver. 1
09 · Estimate — requirements shown — cited from PRD v0.6 / BRD v0.8
  • FN-19 Estimate from the service list, actual cost of similar jobs, parts prices, measurements; margin shown before sending.
  • FN-20 Track every estimate's outcome; loss reasons; follow-up schedule; win rate.
  • PI-3 Local market range from lawful sources; source and date shown.
  • VC-2 Service list with default duration, price, margin target and approved quote range.
  • PL-5 No estimate is sent without approval.
  • PL-2 An estimate can be created from a natural-language description.
The margin is shown before the approver sends. The local market range is optional and names its sources and date. An accepted estimate becomes a job.
10

CRM record

The client's visual database: one record per customer, property, supplier, vendor, team member and adviser.
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CRM / Harbor Leasing
EditEmailTextCall
Harbor Leasing Property manager
Dana Whitfield · 619 555 0102 · 14 Oak St · customer since 2021 · 3 properties
Balance
$4,200
31 days overdue
OverviewPropertiesJobsEstimatesInvoicesDocumentsMessagesNotes
Contacts and propertiesTyped and many-to-many
Primary contactDana Whitfield · billing
Site contactRiverside Apartments · manager
Properties14 Oak St · 22 Palm Ave · 3 Harbor Blvd
AgreementsMaintenance contract · 3 units · quarterly
Shared phone numbers and addresses never merge two contacts. 1
Recent workJobs, estimates, invoices
ItemDateAmountStatus
Job 8841 — furnace install14 Oct$1,850Completed
Estimate E-221 — furnace replacement18 Oct$4,345Sent
Invoice #10422 Oct$4,200Overdue
AI observationsAI
AI
This customer has been slow to pay 3 times in 6 months
Based on: 3 invoices, 1 payment, 18 days average. Add to the record?
AcceptDismiss
An observation is added only when a user accepts it. A rejected observation is not shown again. 2
Relationship healthBuilt from facts only
Health
72
Recency 14d · frequency 3 · spend $12.4k · payment 18d · reviews 4.5
Every score and reason links to its records. 3
IdentityOne CoG ID
CoG IDcus_01H8…
QuickBooksqbo_8821
Housecall Prohcp_4412
Twilio+16195550102
One record per customer, built from every connected tool. 4
Supplier record — Ferguson SupplySame model, different type 1
Spend$18,240 this year · 34 bills · history and contracts on file
Price lookup"50-gallon water heater" → last $612 · Johnstone · 14 Sep · up 6% since Mar
DocumentsW-9 ✓ · COI expires 21 Nov task created
Open ordersPO 5521 for job 8903 · arrives 14 Nov 1 day late → reschedule proposed
Line items are extracted from bills and receipts so any price paid is queryable. A missing or expired document generates a task. 2
Outside adviser — Tallypoint bookkeepingNo account, ever 3
TypeContact · bookkeeping firm · no login
ReceivesMonth-end package (sent 1 Nov under approval) · any document on request
Sends back"2 receipts unreadable" → arrived as a task; uploaded and matched
Advisers are document recipients through an approval or a grant — never a CoG account, never a role. 4
10 · CRM record — requirements shown — cited from PRD v0.6 / BRD v0.8
  • CR-1 Records created and maintained automatically from connected tools.
  • CR-2 An edit made in CoG is written back to the source tool.
  • CR-3 Duplicates detected and mergeable; merges logged and reversible.
  • CR-7 Email, text or call a contact from the record.
  • CR-11 AI observations identify their supporting data; added only on acceptance.
  • CR-12 Records hold the facts each industry needs: properties, equipment, agreements, vehicles.
  • CR-15 Typed, many-to-many contacts: Person, Account, Property.
  • CR-20 Relationships to tend, with a health score built only from facts.
  • DR-1 Records point to each other by identifier; one copy of each fact.
  • PL-18 Every item links to its related records.
  • CR-4 Line items from bills and receipts: price paid, queryable, with history.
  • CR-5 Supplier records hold purchase history, contracts, documents and totals.
  • CR-6 Documents carry status and expiry; missing or expired creates a task.
  • CR-17 Outside advisers are contacts with no account; sendable via approval or grant.
  • AC-7 Advisers never hold an account.
  • LM-2 Open orders and expected deliveries show on the supplier and the job.
  • CR-13 One CoG identifier per contact, with a cross-reference to each tool's.
The record shows the identity, the health score, the observations and the cross-references. Shared addresses and phone numbers never merge two contacts.
11

Client identification

Anything that cannot be matched with certainty waits in the unmatched queue for a person.
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CRM / Unmatched
5 items
Unmatched queue5 items
ItemSourceReceivedEvidence
Receipt — Shell #221Upload3 NovSame address as Scott’s truck
Payment — $1,200Plaid4 NovSimilar name to “Harbor Leasing”
Call — 619 555 0142Twilio5 NovNo CRM record; voicemail transcript
Email — dana@harbor…Gmail6 NovExact email matches 2 records
Receipt — FergusonUpload7 NovAmount matches 2 bills
Proposed matchMedium confidence
Payment — $1,200
Plaid · 4 Nov · memo “Harbor”
Candidate records
1
Harbor Leasing
Same address · same name · 2 open invoices
Attach
2
Harbor Property Group
Similar name · different address
Attach
Create new recordDismiss
A suggestion never attaches on its own. 1
Matching rulesEverywhere
1. Existing cross-reference
2. Exact email address
3. Exact phone number by digits
4. Name, address, similar spelling — suggest only
Matching is checked daily by automated tests and monthly by a sample in the governance review. 2
11 · Client identification — requirements shown — cited from PRD v0.6 / BRD v0.8
  • CR-14 Matching order: cross-reference, exact email, exact phone; names suggest only.
  • CR-16 Unmatched items wait in a queue; never land on a best guess.
  • CR-18 Proposed matches with the evidence for each; one-tap confirmation.
  • CR-19 Daily automated tests; monthly spot-check in the governance review.
  • CM-16 A sender or caller is matched only by cross-reference, exact email, exact phone or address.
  • PL-28 Medium/low confidence is proposed with the settling question; never guessed.
The screen is the human side of the strict matching rule. The evidence is shown per candidate; nothing attaches without a person.
12

Business Management

The administrative back office: licenses, insurance, registrations, contracts, filings, and the business's reviews.
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Business Management
ObligationsCompliance calendarReviews
Urgent
3
Overdue or within 30 days
Imminent
2
31–90 days
Upcoming
4
Beyond 90 days
Obligations registerEvery key date, cost and document
ItemIssuerKey dateCostStatusRecommended action
HVAC licenseCA CSLB12 Dec$240Renewed, not verifiedUpload the new certificate
General liabilityHiscox1 Jan$2,180DocumentedConfirm coverage
Van registrationDMV31 Dec$180No documentUpload the renewal
Pesticide applicatorCA DPR15 Feb$75DocumentedConfirm the exam date
A renewal counts complete only on proof. Recommended actions are the system's interpretation, subject to the issuer. 1
Compliance calendarFilings, not filed by CoG
1
Sales tax — Q4
15 Jan · owner: Dana · status: not started
Due
2
1099s — contractors
31 Jan · 3 contractors · W-9 on file
Ready
3
Pesticide use report
31 Jan · 1 application
Draft
Reviews4.5 average · 86 reviews
★
Google · 5★
“Derek was on time and explained everything.”
Reply drafted · 1 Nov
Reply
★
Yelp · 2★
“The office never called me back.”
No AI draft exists — manual only
Reply
No AI draft exists for a review of 2 stars or fewer, enforced as absent data. 2
12 · Business Management — requirements shown — cited from PRD v0.6 / BRD v0.8
  • BM-1 One register of obligations with key dates, cost and documents.
  • BM-2 Group by urgency; flag for verification after 120 days without confirmation.
  • BM-3 Each item states the recommended action and the consequence of not acting.
  • BM-4 Recommended actions are labeled as the system's interpretation.
  • BM-5 A renewal is complete only on proof; without it, 'renewed, not verified'.
  • BM-6 Uploaded documents are parsed, stored, viewable and sendable.
  • BM-7 Renewals appear in Tasks and on the Calendar; one renewal is one row.
  • BM-8 A renewal fee is payable from within CoG under the bill-pay rules.
  • BM-9 Reviews collected from every listing and review site.
  • BM-10 No AI draft exists for a review of two stars or fewer.
  • BM-11 A review request after every completed job, to every eligible customer.
  • BM-12 Compliance calendar; the client or adviser files; CoG does not file.
  • AI-8 Obligation and deductibility guidance is labeled the system's interpretation; issuer and accountant are authoritative.
The urgency groups, the 'renewed, not verified' status, and the absent AI draft on the 2★ review are the three most important states on this screen.
13

Team

Employee management: each employee's view, capacity, time off, scorecards and actual time.
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Team
PeopleCapacityTime offScorecards
Derek LewisTechnician
RoleField staff · Technician
CertificationsEPA 608 · current · expires 12 Dec 2026
AvailabilityMon–Fri · 8:00–17:00 · 40h/week
Assigned work4 jobs today · 2 this week
Time off1 request · 20 Dec · pending
DocumentsW-4 · I-9 · direct deposit · EPA
Pay$32.00/h · 38h this period · $1,216 pay class
Pay is shown only to roles holding the pay class. 1
CapacityBooked vs available
Mon 932/40h
Tue 1038/40h
Wed 1130/40h
Thu 1244/40h
Over- and under-booked days are flagged; likely overtime is shown. 2
Time off requestPending
Derek — 20 Dec 2026
1 day · 2 jobs affected · 1 crew
Affected work
J
Job 8892 — AC repair
20 Dec · 10:00 · Crew A
Conflict
ApproveReject
An approved request updates availability and the schedule. No job is assigned on approved time off without a conflict flag. 3
ScorecardRecorded facts only
Jobs completed24 this month
Time vs estimate+4% · 1.2h over
Callbacks1
Reviews4.8 · 6 mentions
Punctuality96% on time
Every score links to the records behind it. Never AI-written. 4
Pay — from the providerRead-only 1
Hours38h · confirmed by Gusto
Rate$32.00/h
This period$1,216 · estimate — provider not yet confirmed
Figures the payroll provider has not confirmed are labeled estimates. Pay is visible only to the pay class. 2
Reviews naming this person
★
Google · 5★
"Derek was on time and explained everything." — linked to the review
Reviews referencing a team member show on their record with the rating. 3
NotesPrincipal only
Private notes about a team member are visible to the Principal only and are never AI-generated. Every view is logged. 4
13 · Team — requirements shown — cited from PRD v0.6 / BRD v0.8
  • TM-1 One view per employee: role, skills, certifications, availability, hours, work, time off, documents, pay behind the class.
  • TM-2 Capacity: booked vs available hours by day and week; flag over/under and overtime.
  • TM-3 Time off requested from the app; goes to an approver with affected work.
  • TM-4 A scorecard from recorded facts only; never AI-written judgments.
  • TM-5 Actual time per person per job, used in costing and estimates.
  • TM-6 Location notice and consent before any collection; on shift only.
  • 4.3 Pay and performance are sensitive classes with their own switch.
  • CP-24 Employee location and data privacy.
  • CR-8 Hours, rate and pay come from the payroll provider; unconfirmed figures labeled estimates.
  • CR-9 Reviews referencing a team member show on their record with the rating.
  • CR-10 Team-member notes: Principal only, never AI-generated.
  • AI-7 Notes on team members and replies to reviews of two stars or fewer are never AI-generated.
  • FN-17 Running payroll inside CoG is out of scope; pay is read from the provider only.
Pay is visible only to roles holding the pay class. The capacity bars show the over-booked Thursday in red. The scorecard links to the records behind it.
14

Reporting

Answers questions about the business as a whole, combining data across connected tools.
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Reporting
MonthlyProfitRoutesPerformanceDownload
Profit by monthOct 2026 · prior period and prior year
Revenue
$42,180
+8% vs Sep · +14% vs Oct 2025
Profit
$9,860
22.1% margin · +6% vs Sep
Jobs
64
+3 vs Sep
Avg job
$659
+$21 vs Sep
AI explanation AI
Revenue rose 8% against September, driven by 3 more completed jobs and a higher average job value. Margin held at 22%. The figures are drawn from QuickBooks, Housecall Pro and Plaid. The prior-year comparison is not available for October 2025 because the synced data begins in January 2026.
Sources: QuickBooks, Housecall Pro, Plaid · last sync 2m · 1m · 6m. 1
Performance by dimensionFilter and compare
ServiceJobsRevenueMarginvs prior
Maintenance31$18,42024.8%+2.1%
Install12$16,88021.4%+0.8%
Repair21$6,88018.2%−1.4%
Peer benchmarkGroup ≥ 10 businesses
Days to payment14
Peer median18
Below the peer median. Group of 14 HVAC businesses in 92101. Source: anonymized layer, 1 Nov 2026.
Monthly CoG reportReady 1 Nov
Work completed128 actions · 96 approved
Approval rate94%
Grant eligibility2 workflows close
Failures1 · fixed
Time saved~11h estimate
Every figure except time saved is measured. 2
Proposed reportsAI
AI
Margin by crew — weekly
From your data: 3 crews, 6 months.
Add
AI
Lead source → won job
From your questions: 4 asks this month.
Add
A proposed report names its data and is added only on acceptance. 3
Industry comparisonPublished sources; peer group only when large enough 1
MeasureYouIndustryRead
Tune-up price$129$118–142mid-range
Margin22.1%18.4%above industry
Days to payment14217 days faster
Estimate win rate41%55%below — see Estimates
Review score4.84.4above
Peer figures use the anonymized group only where it is large enough to hide any one business (RP-13); otherwise published sources only.
Reports the assistant proposesAI
R
Crew utilization by week
Useful because Crew B ran late 6 of 9 days · added to Reporting when you accept
Add report
R
Margin by supplier
Copper exposure concentrates in two services
Add report
Custom report building is P3 and not in these screens (FN-14, RP-8); proposed reports are the v1 form of the idea.
14 · Reporting — requirements shown — cited from PRD v0.6 / BRD v0.8
  • RP-1 Reports spanning money, customers, jobs, team, routes and operations; figures equal the same figure in its area.
  • RP-2 Each figure against the prior period and the same period in the prior year.
  • RP-3 Each report has an AI-generated explanation of what it shows and why it matters.
  • RP-4 The explanation identifies its data and asserts only what that data supports.
  • RP-5 Where data is unavailable, the report says so and gives the reason.
  • RP-6 One written, versioned definition per measure.
  • RP-7 Reports are downloadable.
  • RP-9 Reports proposed from the client's data and questions, added on acceptance.
  • RP-10 Drive time and miles per crew and job; savings from optimized routes.
  • RP-13 Peer benchmarks only when the group combines at least 10 businesses.
  • RP-14 Monthly CoG report: what it did, measured except time saved.
  • RP-15 Performance by dimension; per-person figures behind the performance class.
  • RP-16 Client figures compared with industry figures from published sources and the anonymized peer group.
  • RP-13 Peer figures only where the group is large enough to hide any one business; no client identified.
  • FN-15 The assistant proposes reports it judges useful; they join Reporting when accepted (RP-9).
  • FN-14 Custom report building is P3 — out of the v1 screens.
The explanation deliberately omits the prior-year comparison for October 2025 because the data does not exist. That is the RP-5 rule in the UI. The peer benchmark is a group of 14.
15

Integrations

The connection layer: every tool, what it reads and writes, its sync time, health and mode.
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Integrations
Add connection
! Jobber connection failed — last sync 14 min ago. Actions that write to Jobber are held. Fix connection
Connected toolsWhat each reads, writes, and its mode
ToolReadsWritesLast syncHealthMode
QuickBooksInvoices, bills, paymentsInvoices, expenses, payments2mLiveLive
JobberJobs, schedules, customersJobs, schedules14mFailedHeld
GmailInbound and sent mailMail from your account1mLiveLive
TwilioTexts, calls, voicemailTexts, voice agent—LiveLive
PlaidBalances, transactionsNothing6mCatch-upCatch-up
Housecall ProJobs, estimates, customersJobs, schedules1mLiveLive
Every connection is built on one MCP framework. A connector without a declaration cannot be enabled. 1
Vendor AIOne owner per function
Answering callsCoG voice agent
RoutingCoG route optimizer
Categorizing expensesCoG
CollectionsCoG
Two AIs never act on the same function. The vendor's AI is used where the client already relies on it. 2
CoG MCP serverStage 5
Claude, ChatGPT or Copilot can read CoG under the user's role and send actions to the approval queue. No action bypasses the queue.
View server
FallbackWhen a tool is limited
Housecall Pro's API is top-tier only. The fallback is email parsing and native scheduling. The chore becomes a task.
Task: forward job notices
15 · Integrations — requirements shown — cited from PRD v0.6 / BRD v0.8
  • IN-1 Connect by signing in; never store the tool's credentials.
  • IN-2 Show each tool, its data, last sync and health; failing connection flagged before it affects what is shown.
  • IN-3 Each connector declares what it reads and writes; a connector without a declaration cannot be enabled.
  • IN-4 Where a tool's API is unavailable, the area remains usable through upload, email or manual entry.
  • IN-6 Every connector on one MCP framework; vendor MCP server used where published.
  • IN-7 Tier 1 connectors named before stage 1 ends; each passes read, write-back and fallback tests.
  • IN-8 Connectors sync into the layer; live calls only for writes and data the layer does not hold.
  • IN-9 Each connector's use of data complies with the vendor's developer terms.
  • IN-10 API access, plan tier and partner terms confirmed before a client is committed.
  • IN-11 Use the vendor's AI where it exists; combine its results with other tools.
  • IN-12 Vendor AI results enter the layer with their source named.
  • IN-13 One AI owns each overlapping function; two never act on the same one.
  • IN-14 A vendor AI's actions appear as that tool's actions, never as approved in CoG.
  • IN-15 CoG publishes its own MCP server; actions go to the approval queue.
  • IN-16 Layered sync: webhooks, catch-up, nightly reconciliation, fresh read before write.
  • IN-17 Each connection's mode shown; a fallback connection's chore becomes a task.
  • IN-18 Where CoG and the vendor differ, the vendor's value stands; differences listed for review.
  • IN-19 Show the value of each tool: cost, use, overlap.
  • IN-5 On disconnection, syncing stops; data kept or deleted per terms; CoG's own records intact.
  • PL-13 Approved and granted actions write back and report the result; a failure is never shown as done.
  • PL-12 Every screen and the assistant read the synced copy, not live tool calls; each figure shows source and last sync.
  • AI-14 Client data is never retained or trained on by model providers; one client per request.
This is the densest screen in the set; the table carries the read/write/mode declaration. The red banner is repeated here because it is the screen where a connection is fixed.
16

Governance review

The monthly review of access, autonomy, standing instructions, identification and data reconciliation.
cog.app/business/governanceWireframe
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Governance review
Nov 2026Complete review
1. AccessUsers, roles, grants, last sign-in
UserRoleLast sign-inChange
ScottPrincipalToday—
DanaManagerTodayCap raised $2k→$5k
DerekField staff2 days—
RudyViewer14 daysDormant
2. AutonomyGrants and what they did
G
Booking confirmations — 20/20 approvals
0 edits · 0 undos · 1 exception · confirm or revoke
ConfirmRevoke
G
Reminder sends — 18/20
2 edits · not eligible yet
Not yet
Any approver may suspend a grant; only an Admin may revoke or restore it. 1
3. Standing instructionsWhat each is hiding
S
“Never show bills from Harbor Leasing”
Set by Scott · 3 Oct · hides 3 bills, $4,200 · last validated 1 Oct
ConfirmLift
Not validated by month-end → suspended; everything it hides returns to attention lists. 2
4. Client identificationUnmatched and duplicates
5
5 unmatched items
2 duplicates flagged · 1 sample checked
Open
✓
Daily matching test
Ran 9 Nov · 0 orphans · 0 cross-reference conflicts
Passed
5. Data reconciliationSynced vs source
ToolCoGSourceDiff
QuickBooks1,284 invoices1,2840
Jobber——failed
Housecall Pro842 jobs8420
Roles & permissionsOne level per area
AreaPrincipalManagerField staff
Home & TasksAdminApproveWrite
FinanceAdminApproveNone
TeamAdminApproveWrite
Pay✓✓—
Location✓✓—
Sensitive classes carry their own switch on every role. Every view is logged. 3
16 · Governance review — requirements shown — cited from PRD v0.6 / BRD v0.8
  • GV-1 A standing instruction removes matching items from attention lists and counts, never from records or totals.
  • GV-2 All standing instructions in one place, each with what it is hiding now.
  • GV-3 Each standing instruction validated monthly; unvalidated by month-end is suspended.
  • GV-4 Monthly review: access, autonomy, standing instructions, identification, reconciliation.
  • GV-5 Any approver may suspend a grant; only an Admin may revoke or restore it.
  • AL-4 Security events logged with who, when and from where.
  • AC-13 No standing FM access; access changes are recorded.
  • AI-11 Quality thresholds and evaluation sets gate grants; a drop below threshold suspends the grant.
  • AI-15 Each month the review reports what agents did under each grant, with exceptions, failures and undos.
The review is the control surface that keeps the product's own shortcuts visible. The 'what it is hiding' figure is the most important number on the screen.
17

Activity log

Append-only. Every action, its actor, its approver or grant, and its result.
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Activity log
AllApprovalsGrantsSecurityDownload
Activity logTue 9 Nov 2026
TimeActorActionAreaApprover / grantResult
11:42ScottApproved reminder — Invoice #1042FinanceScottSent
11:41CoG agentDrafted reminder — Invoice #1042Finance—Proposed
11:38JobberSync — 842 jobsIntegrations—Failed
11:30DanaApproved group message — 18 customersCommunicationDanaSent
11:22CoG agentSent booking confirmation — 1SchedulingGrant G-12Sent
11:18ScottViewed team-member notesTeam—Logged
11:05DerekReported delay — Job 8841Scheduling—Received
FilterPeriod, actor, area, grant
PeriodTue 9 Nov 2026
ActorAny
AreaAny
GrantAny
What is retainedFor every action
The model inputs and outputs that led to an action are retained with the entry, so any outcome can be explained after the fact. Security events are logged in the same way.
ExportDownloadable
The log is searchable and downloadable. A Principal can export all data, including this log.
Export CSV
17 · Activity log — requirements shown — cited from PRD v0.6 / BRD v0.8
  • AL-1 Every action recorded append-only; no entry can be edited or deleted; an undo is a new entry.
  • AL-2 Each entry identifies the actor: user, connected tool, vendor AI, CoG agent with its grant.
  • AL-3 Filterable by period, actor, area and grant; searchable; downloadable.
  • AL-4 Security events logged in the same way.
  • AL-5 Model inputs and outputs that led to an action are retained with the entry.
  • AI-13 Model inputs and outputs that led to an action are retained with the action.
The log is the audit trail the whole trust model rests on. The 'Viewed team-member notes' row is a security event, not a business action.
18

Mobile app (field staff)

Native iPhone and Android app for owners and staff: the day's work, the close-out, time off, and consent.
app store · field staffWireframe
TodayTue 9 Nov
4
Jobs
1h 24m
Drive
08:00 — Routine maintenance
Riverside Apartments · 4 units · 2h
On routeStart
09:30 — Furnace install
14 Oak St · 2 techs · 3h
Running lateReport delay
14:00 — AC repair
22 Palm Ave · 1h
Not startedStart
No financial data on this screen. Location is collected on shift only, with consent.
Today
Route
Time off
Docs
Close-outJob 8841
Furnace install — 14 Oak St
Work done, parts, time, notes
Tap to dictate. The system turns it into a draft invoice priced from the service list.
Work done
“Replaced the 80% furnace, new venting, tested the thermostat.”
AIEdit
Parts used
Furnace 80% · venting kit · filter
From inventoryAdd
Time
2h 40m on site · 1h 20m drive
ActualEdit
Draft invoice
$1,850 · 2 lines traced to the service list
DraftReview
Today
Route
Time off
Docs
Time offSpanish
Request time off
20 Dec 2026 · 1 day
PendingEdit
The request goes to an approver with the work it affects. Approved requests update the schedule.
Affected work
Job 889220 Dec · 10:00
Location consent
On-shift location only. Notice shown; consent recorded.
ConsentedReview
Employee-facing screens are available in Spanish. This is an employee screen, not a financial screen.
Today
Route
Time off
Docs
18 · Mobile app (field staff) — requirements shown — cited from PRD v0.6 / BRD v0.8
  • APP-1 Native apps for iPhone and Android; the whole product as far as a phone allows.
  • APP-2 Same security roles; push, dictation and photo capture.
  • APP-3 Offline use of the day's work; sync without loss when back online.
  • APP-4 Employee-facing screens and notices available in Spanish.
  • TM-3 Time off requested from the phone app.
  • TM-6 Location notice and consent before collection; on shift only.
  • FN-29 A technician closes out a job by speaking; the system turns it into a draft invoice.
  • JB-21 The dispatch loop runs both ways from the app.
  • AC-2 Field staff cannot open Finance or see any pay figure.
  • PL-26 Every place a user can type, they can also speak.
The phone screens are deliberately not financial: the technician sees the work, the route and the close-out. The third screen shows the consent and Spanish requirements.
19

Voice & website

The voice agent and the website chat answer live, verify before disclosing, and commit the business to nothing.
cog.app/communication/voiceWireframe
Voice agent — live callAutomated
Caller · 619 555 0142 · 11:42
“Hi, my heat is out and I need someone today.”
Agent · automated
“I can help. Is this for 14 Oak St? I’ll need to verify the account before I share any details.”
Caller
“Yes, 14 Oak. It’s Harbor Leasing.”
Agent · automated
“I’ve texted a code to the number on file. Please read it back.”
Verification comes before any account detail. A recognized number alone is not proof. 1
✓
Verified
Code 8842 · 14 Oak St
Verified
B
Booking held
Today 14:00–15:00 · proposed job · awaiting approval
Held
$
Price quoted
$180–$260 · approved range only
Range
Approve bookingTransfer to person
Website chatAutomated
CoG chat · automated
“Hi! I’m an automated assistant. I can help with hours, services and booking. A person is always available.”
Visitor
“Do you do furnace tune-ups? How much?”
CoG chat · automated
“Yes — a tune-up is $129–$189. I can request a time; it won’t be booked until we confirm.”
Prices are quoted only as approved ranges. The visitor is told the time is requested, not booked. 2
L
Lead captured
Dana Whitfield · 619 555 0142 · task created
CRM
Rules the agent works underNever
No firm price. No account detail before verification. No booking without approval or a grant. A person is always reachable. A request for a person is never refused or looped.
The client websiteBuilt and hosted by FM, or connected to the existing site 1
site preview · services, service area, hours and reviews pulled from the business's own data
Content comes from the service list, the identity and the review feed — never typed twice.
Changes awaiting publish approval2
W
Holiday hours block
From the calendar · diff shown before publish
Approve publish
W
New service: IAQ consult
From the service list · price range shown
Approve publish
Every change to the live site needs the owner's approval before it publishes. Publishing is never grant-eligible. The chat verifies a visitor before disclosing any account detail. 2
19 · Voice & website — requirements shown — cited from PRD v0.6 / BRD v0.8
  • VP-1 The voice agent answers every call first and says it is automated.
  • VP-2 The call is announced as recorded; consent rules apply.
  • VP-3 Capture caller, match to CRM, create a lead or task with transcript and summary.
  • VP-4 Quote only from approved ranges; never a firm price.
  • VP-5 Tentative times from real availability; hold the booking as a proposed job.
  • VP-6 Verify identity before disclosing balances, appointments or addresses.
  • VP-7 Route urgent calls by the owner's rules.
  • VP-10 A person may always be reached; never refused or looped.
  • WS-2 Website chat identifies itself as automated; only approved information; lead captured.
  • WS-3 A booking request is a proposed job against real availability; confirmed only after approval.
  • CM-10 Missed calls and voicemails appear with a transcript and a one-line summary.
  • WS-1 FM builds and hosts the site, or connects to the existing one, from the client's own data.
  • WS-4 Every live-site change needs approval before publishing; never grant-eligible.
  • WS-5 Client websites meet the accessibility standards (NF-14).
  • WS-6 Chat verifies a visitor before disclosing any account detail.
  • VP-8 The number and voice agent are always on, with their own availability target.
  • VP-9 Where a vendor's receptionist AI exists, configuration decides which AI owns the function.
  • RP-17 A monthly report on calls and chats: handled, transferred, callbacks and their time.
The voice and chat screens are the two live AI surfaces. The verification step is shown before the booking is held, and the booking is held for approval, not confirmed.
23

News

Industry-relevant articles, videos and podcasts with AI summaries, a weekly digest, and a feed the owner can teach.
cog.app/newsWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
News
This weekSavedSearch
Industry feed — HVACArticles, videos and podcasts selected for your industry 1
A
New refrigerant rule takes effect Jan 1
Contractor Business · article · 2 days
AI summary The rule changes handling requirements for R-410A systems; certification updates are free through the industry board until March.
Open sourceSave
V
Heat-pump retrofit walkthrough (28 min)
The Trade Network · video · 4 days
AI summary A sizing-first approach to retrofit bids; includes the manual-J worksheet.
Open sourceSave
P
Podcast: pricing labor in a tight market
Field Ops Weekly · episode 112 · 5 days
No summary yet Request an AI summary to see the key points.
SummarizeSave
Weekly summarySources named 2
Week 45: a refrigerant handling rule arrives Jan 1 (Contractor Business); heat-pump retrofit content is trending in your area (The Trade Network); labor pricing discussions continue (Field Ops Weekly). Nothing this week changes an obligation you hold.
Teach the feedAI
Add industries, topics or content types…
Add: heat-pump regulationAdd: podcasts onlyAdd: plumbing industry
The assistant applies feed changes; every change is logged. 3
SavedSearchable
A
Refrigerant rule
Saved 2 days · article
V
Manual-J worksheet
Saved 3 weeks · video
23 · News — requirements shown — cited from PRD v0.6 / BRD v0.8
  • NW-1 Articles, videos and podcasts selected for the client's industry.
  • NW-2 The owner can instruct the assistant to add industries, topics or content types.
  • NW-3 Any item: request an AI summary or open the original source.
  • NW-4 A brief weekly summary with sources identified.
  • NW-5 Items are savable and searchable.
Summaries are AI-labeled wherever shown (AI-3). The weekly summary names every source; an item with no summary says so rather than guessing.
24

Pricing Intelligence

Cost tracking, margin flags, price recommendations, surge rules — and the emergency freeze nothing can override.
cog.app/pricingWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Pricing Intelligence
RecommendationsSurge rules
❄ Emergency price freeze active — a state of emergency is declared in 92101. No quote, estimate, invoice or surge rule may raise a price for its duration. No approval or grant overrides it. PI-6 · RU-33 · CP-23
Margin flagsCost moved; margin fell below target 1
ServiceCost changeMargin nowTargetRecommended price
Furnace repairCopper +11% since Aug31%45%$189 → $219Approve
Thermostat installUnits +6% since Sep38%45%$149 → $159Approve
AC tune-upStable47%45%—
Each recommendation shows the data and the reasoning. The service list changes only on an approval — never under a grant. 2
Cost trendsMaterials, fuel, labor, subscriptions 3
Copper / line sets+11%
Diesel+6%
Labor rate+4%
Subscriptions+2%
Supplier price history is read from bill line items (CR-4). A trend that threatens a target raises the flag above.
Surge rulesSet by the owner 4
✓
Emergency call-out — flat $99
After 18:00 and weekends
On
○
Peak season — +20%
Jun 15 – Aug 31
Off
○
Short notice — +15%
Booked under 2 hours ahead
Off
Every surge rule is suspended while the emergency freeze holds.
Local market rangePI-3 · on estimates
$3,900–$4,900 for furnace replacement in 92101, from 12 lawful sources, 1 Nov. Your $4,345 sits in the middle. Shown on every estimate; never quoted by the voice agent as a firm price.
24 · Pricing Intelligence — requirements shown — cited from PRD v0.6 / BRD v0.8
  • PI-1 Track part and material costs from supplier price history; flag services below margin target.
  • PI-2 Recommend price changes with data and reasoning; changes only on approval, never under a grant.
  • PI-3 Local market range from lawful sources, with source and date.
  • PI-4 Cost trends for materials, fuel, labor and subscriptions; alerts when a trend threatens a margin.
  • PI-5 Surge pricing rules set by the owner.
  • PI-6 Emergency price freeze: no price rises during a declared emergency; no rule, approval or grant overrides.
  • CR-4 Line items from supplier bills feed the price history.
The freeze banner is the product's only hard legal stop (RU-33, CP-23). It suspends surge rules automatically and cannot be dismissed.
26

Configuration

One product, configured per business: vocabulary, services, fields, thresholds, weather rules, and the register.
cog.app/settings/configurationWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Configuration — HVAC pack
FM Support edits; client data never touched
VocabularyServicesFieldsThresholdsWeather rulesRegister
Vocabulary — what this industry calls thingsLabels only; the model never changes 1
Shared conceptHVAC labelCleaning labelStudio label
JobService callCleanClass
CrewTechTeamInstructor
RouteDay planRouteTimetable
SitePropertyHomeRoom
Adding an industry configures vocabulary, services, fields, thresholds, weather rules and news sources — no code. 2
Service listDuration, price, margin target, quote range 3
ServiceDurationPriceMargin targetVoice-agent range
Tune-up1h$12945%$129–189
Furnace repair2h$18945%$180–260
Furnace replacement6h$4,34550%not quoted
ThresholdsIndustry defaults; client may change 4
ThresholdDefaultThis clientChanged by · when · why
Reminder lead time24h48hScott · 3 Oct · "customers want more notice"
Lapsed customer12 months12 months—
Dual-approval amount$10,000$5,000Scott · 12 Oct · cash caution
Review-draft cut-off3★3★—
Industry fieldsOn the shared model 5
Vehicle and equipment per crew
Multi-day jobs
Equipment installed at a site
Site measurements (landscaping)
Applicator license per crew
Capacity, waitlist, room (studios)
Weather rulesPer industry and service 6
☂
Rain > 0.25 in/day
Rules out: mowing, seeding · reschedule + notice drafted
❄
Freeze warning
Rules out: outdoor installs · priority calls flagged
Client configuration registerEvery non-default setting 7
v14
Dual-approval $10,000 → $5,000 · FM Support · 12 Oct · Scott's request
v13
Reminder lead 24h → 48h · FM Support · 3 Oct
v12
Added service "IAQ consult" · FM Support · 21 Sep
Reviewed by FM quarterly. FM Support changes configuration with no access to client data; every change is logged and visible to the client. AC-15 · SC-11
26 · Configuration — requirements shown — cited from PRD v0.6 / BRD v0.8
  • VC-1 Labels and vocabulary per industry; the shared model never changes.
  • VC-2 The service list: duration, price, margin target, voice-agent quote range.
  • VC-3 Industry-specific fields sit on the shared model.
  • VC-4 Adding an industry is configuration only; no code, no special cases.
  • VC-5 Weather rules per industry and service.
  • VC-6 Thresholds are industry defaults the client may change; each change records who, when, why.
  • VC-7 The client configuration register: every non-default setting, versioned, reviewed quarterly.
  • AC-15 FM Support changes configuration with no access to client data; changes logged and visible.
  • PL-14 No area's data model depends on a vendor's schema.
This screen is the proof of the 'any service business' claim: four industries shown as columns of one table, not four products.
27

Accounts, roles & notifications

2FA sign-in, sessions, users and roles, sensitive-class switches, notification rules, identity, support and export.
cog.app/settings/accountsWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Accounts & access
Add userNotification rules
Users — one role per clientAccess denied unless a role grants it 1
UserRoleApproval capLast sign-inStatus
Scott ChenPrincipal—Today 14:02ActiveEdit
Dana WhitfieldManager$2,000 · Finance + Comm.Today 09:11ActiveEdit
Derek LewisField staffnone2 daysActiveEdit
Priya (covering)Designee$500 · CommunicationTodayExpires in 6 daysExtend
No user can grant more access than they hold. Removing a user ends their sessions at once and flags their grants for another approver. A Designee's rights expire automatically; the Principal is told first. 2
Role editor — ManagerOne level per area 3
AreaNoneReadWriteApproveAdmin
Home & Tasks●
Communication●
Finance●
Scheduling●
Sensitive data classes — separate switch on every roleEvery view logged 4
Pay & payroll — offPersonnel files — offTeam-member notes — off · Principal onlyBank details — offCustomer PII — onPerformance — offEmployee location — off
Team-member notes are never AI-generated. Employee location is on-shift only, with notice and consent. 5
Sign-in securityRequired for every user 6
Two-factorRequired app or SMS
PasswordChange · forced at reset
SessionsMacBook · Chrome · 92101 · today
iPhone · app · 92101 · 2 days
Revoke session
Notification rules — per userEvent · channel · hours · escalation 7
EventChannelHoursEscalate
Overdue alertsin-app + email7–19after 1 day
Inbound messagespushall—
Urgent itemspush + textallclient rule
Weekly summaryemailMon 8:00—
Business identityKept once, used everywhere 8
NameChen HVAC
Address · phone · email14 Oak St · +1 619 555 0100 · scott@chenhvac.com
Logouploaded · on every invoice, estimate and message
Support & exit
Support is reachable from inside the product, with the user's location in it recorded. The Principal can export all data and close the account without affecting connected tools. 9
Contact supportExport data
27 · Accounts, roles & notifications — requirements shown — cited from PRD v0.6 / BRD v0.8
  • AC-1 Secure sign-in with required 2FA, password change, and a list of active sessions.
  • AC-2 One role per user per client; access denied unless a role grants it.
  • AC-3 Business identity kept once, applied to every invoice, estimate and message.
  • AC-4 Notification rules: event, channel, hours, escalation; changes take effect at once and are logged.
  • AC-5 Support from inside the product, recording the user's location in it.
  • AC-6 The Principal exports all data and closes the account without affecting connected tools.
  • AC-8 No user can grant more access than they hold.
  • AC-9 Approval caps per area, set per role and per person.
  • AC-10 A Designee's rights expire automatically; the Principal is told before they do.
  • AC-11 Removing a user ends sessions and revokes rights at once; their grants are flagged.
  • AC-12 Each sensitive class is a separate switch on every role; every view is logged.
  • CR-10 Team-member notes: Principal only, never AI-generated.
  • TM-6 Employee location: notice and consent; on shift only.
Reserved Principal actions appear only to that role. The audit trail for every change here is the Activity log (AL-4).
28

Onboarding

FM sets everything up; the owner's only steps are authorizing access and confirming details. Baselines are recorded.
cog.app/settings/onboardingWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Onboarding — Chen HVAC
Step 3 of 5
✓ 1 · Connect tools ✓ 2 · Industry pack 3 · Roles & caps 4 · Baselines 5 · Go live
What FM doesFM-led setup 1
1
Connect the tools
Jobber plan tier and API access confirmed before commitment (IN-10).
2
Configure the pack
Vocabulary, services, thresholds, weather rules and news sources copied from the HVAC default.
3
Set roles and caps
One role per person; approval caps per area.
4
Record the baselines
The five objective baselines below — the before picture the product is measured against.
5
Turn on the surfaces
Website, business number, listings claim checked.
What the owner doesOnly two kinds of step 2
✓
Authorize access
Sign in to Jobber, QuickBooks and Gmail once each. CoG never stores the credentials.
✓
Confirm details
Business identity, service list prices, who holds which role.
Onboarding never requires the owner to configure the system. 3
Baselines recorded at onboardingUsed by FN-25 and the objectives 4
MeasureBaselineNowSource
Admin hours per week11.06.5owner estimate at setup
Days to payment1814QuickBooks
Leads answered within a day62%94%Jobber + Twilio
Margin19.8%22.1%QuickBooks
Drive time per crew-day1h 52m1h 24mroute plans
The "Now" column is what CoG's own value report compares against — measured, not asserted.
Connection checklistBefore go live
QuickBooks live 2m Jobber plan checked tier ✓ Gmail live 1m Twilio number ported done Plaid live 6m
28 · Onboarding — requirements shown — cited from PRD v0.6 / BRD v0.8
  • OB-1 Onboarding tooling lets FM connect tools, configure the pack, set roles, and record baselines.
  • OB-2 The owner only authorizes tool access and confirms details; setup never requires configuring.
  • OB-3 Baselines for the objectives are recorded at onboarding and used by the CoG value report.
  • IN-10 API access, plan tier and partner terms are confirmed before a client is committed.
  • IN-1 Connecting is by signing in; CoG never stores the tool's credentials.
The baselines table is the 'before' picture: every 'Now' figure is measured, never asserted (RU-04).
29

Assistant capabilities

The workflow catalog: what agents can do, their track record, their mode — and the place grants are created and revoked.
cog.app/settings/capabilitiesWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Assistant capabilities
The place grants are created, reviewed, suspended, revoked
Workflow catalogWhat it does · needs · track record · mode 1
G
Booking confirmations Running under grant G-12
Needs: Twilio, Scheduling · track record 20/20 · 0 edits · limits: $500 · existing customers · 8:00–18:00 · act then notify
SuspendRevoke
E
Reminder sends Eligible soon — 18/20
Needs: QuickBooks, email · 2 edits this month restart the count · approval required until 20 clean
Watch
I
Invoice drafts Approval required
Needs: QuickBooks, job data · 6/20 · one edit on 7 Nov reset the count
Watch
✕
Bill payments Never grant-eligible
Moving money always needs an authorized user; above the set amount, two.
✕
Price changes · website publish · review replies Never grant-eligible
RU-30 list, shown here so the boundary is visible, not buried.
"Want this automated?"offered only at Admin
When a workflow crosses 20 clean approvals, the system offers it to users holding Admin in that area. Eligibility alone grants nothing; a grant is made only at a user's direction, names its level and limits, and is revocable at once. A breach, an undo or a quality drop suspends it automatically. 2
Create grant…Not now
Multi-step work, one approvalPL-8 3
Proposal · lists every step before approval
1 · Draft the invoice from job 8841
2 · Attach the close-out photos
3 · Schedule the send for 9:00 tomorrow
4 · Write it back to QuickBooks
Approve all fourEdit a step
Candidates from your routineAI
＋
Forward job notices to the crew
You did it 14× last week · ~6 min each
Create workflow
＋
Re-key supplier invoices
8× last week · ~4 min each
Create workflow
Each candidate appears here and in the monthly CoG report with its occurrences and time. 4
Agent limits
An agent can never hold Admin, approve its own work, or create a grant. Every granted run names its grant in the activity log and still passes the 10-second hold.
29 · Assistant capabilities — requirements shown — cited from PRD v0.6 / BRD v0.8
  • PL-8 Multi-step work presented as a single proposal that lists every step.
  • PL-9 The catalog shows what each workflow does, what it needs connected, its track record, its mode, and grant eligibility.
  • PL-10 Grants: earned at 20 clean approvals, offered only to Admin, never automatic; levels, limits, suspension and revocation.
  • PL-11 Recurring manual tasks become workflow candidates, listed here and in the monthly report.
  • PL-20 The system proposes on its own when the data calls for it.
  • PL-24 An agent never holds Admin, approves its own work, or creates a grant.
  • AI-2 Autonomy is granted per workflow, only after the track record, only at Admin direction, never for excluded actions.
  • RU-30 The never-grant-eligible list, shown on the surface it binds.
  • TK-14 Recurring manual tasks surface as workflow candidates (see PL-11).
  • AI-1 By default every action with an outside effect is approved or runs under a grant; live AI commits nothing.
This is the screen that makes autonomy legible: every workflow's state, evidence and limits in one place.
30

Classes & agreements

Studio scheduling on the same model: capacity, waitlists, enrollment messages — plus service agreements and application records.
cog.app/scheduling/classesWireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Scheduling — studio mode
ClassesAgreementsRecords
This week's classesCapacity · enrollments · waitlist · room 1
ClassWhenInstructor · roomEnrolledWaitlistPayment
Beginners wheelSat 10:00 · 2hMaya · Room 28/122Paid 8
Sew-along nightThu 18:00 · 3hMaya · Room 112/125Paid 12
Kids' SaturdaySat 13:00 · 1.5hPriya · Room 24/1002 unpaid
Attendance is recorded per session; a class carries one or many sessions. Revenue follows the client's books (RU-21).
Drafted messages — approval or grantAI
M
Enrollment reminder — Kids' Saturday
2 unpaid · "hold your place until Thu"
Review
M
Waitlist offer — Sew-along
A place opened · offered to the first 2 on the list, in order
Review
M
Re-enrollment invitation
Course ends in 2 weeks · 6 families due
Review
These message types may earn a grant like any workflow (PL-10); the hold and the log still apply.
Service agreementsSeasonal and annual contracts 2
A
Miller residence — quarterly maintenance
4 visits/yr · $120/visit · next 18 Nov · invoice drafts from the agreement
Current
A
Harbor Leasing — annual service plan
$1,440 fixed/yr · billed in 2 installments · 1 paid
Installment due
Visit schedules, per-visit or fixed pricing, and billing all follow the agreement's terms.
Pesticide application recordsLandscaping pack 3
ApplicatorLuis · license current · expires 15 Feb
Job 8903 — 6 NovProduct, rate, area, weather recorded at close-out
FilingQuarterly use report · prompted 15 Jan · compiled from the job records
Records are captured per job and feed the filing prompt; the client or adviser files. CoG does not file.
30 · Classes & agreements — requirements shown — cited from PRD v0.6 / BRD v0.8
  • JB-16 Service agreements: visit schedules, per-visit or fixed pricing, billing follows the terms.
  • JB-17 Pesticide application records per job; the filings they feed are prompted.
  • JB-18 Classes carry capacity, enrollments, waitlist, instructor, room, sessions, payment and attendance.
  • JB-19 Enrollment reminders, waitlist offers when a place opens, re-enrollment invitations at course end.
  • CM-15 Routine follow-ups may earn a grant once the track record is met.
  • BM-12 Compliance calendar: the client or adviser files; CoG does not.
Studios are in v1 (DEC-33); the go-live order starts with the sewing studio (DEC-49). Every studio concept is the shared model relabeled (VC-1) — capacity, bookings and publish were already proven in the demonstration.
20

Field staff view

The same Home as the field staff sees it: own route, own jobs, no financial data.
cog.app/home (field staff)Wireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Home — field staff
Derek · TechnicianNo financial data
Your dayTue 9 Nov · 4 jobs · 1h 24m drive
08:00
Routine maintenance — Riverside Apartments, 4 units on route
09:30
Furnace install — 14 Oak St running late
14:00
AC repair — 22 Palm Ave not started
Your jobsOwn jobs only
J
Furnace install — 14 Oak St
Riverside Apartments · 09:30–12:30
Open
J
AC repair — 22 Palm Ave
14:00 · 1h
Open
Close-outDraft
Tap to dictate the work done. The assistant turns it into a draft invoice for the office to approve; you never send it yourself. FN-29
Dictate close-outAdd partsReport delay
What this role is notBy design
No finance. No pay figures. No customer balances. No other crews' jobs. The role is a permission set, not a screen that hides things. AC-2 4.2
Time offPending
20 Dec 2026 · 1 day
Goes to an approver with the work it affects.
Request time off
Location consentOn shift only
Notice shown; consent recorded. Location is collected only while on shift, by event and geofence. CP-24
20 · Field staff view — requirements shown — cited from PRD v0.6 / BRD v0.8
  • AC-2 Field staff cannot open Finance or see any pay figure.
  • 4.2 Field staff: own schedule and route, own jobs, own documents and time off; no financial data.
  • TM-3 Time off requested from the phone app.
  • TM-6 Location notice and consent before collection; on shift only.
  • CP-24 Employee location and data privacy.
  • FN-29 A technician closes out a job by speaking; the system turns it into a draft invoice.
The role is a permission set, not a screen that hides things. The finance area is not granted, so it does not exist for this role.
21

Manager view

The same Home as a manager sees it: approvals, a dollar cap, the month-end package.
cog.app/home (manager)Wireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Home — manager
Dana · ManagerApprove · $2,000 cap
Approvals waiting on you3
M
Group message — 18 customers
Winter tune-up · within your cap
Review
$
Bill — Ferguson Supply
$2,860 · above your $2,000 cap
Route to Principal
M
Reply to review — 2★
Google · manual only
Review
Month-end packageCompiled, waiting on the Principal
Receipts42 categorized · 3 missing
AdvisersTallypoint · accountant · tax adviser
The package is compiled for the accountant. You review it; the Principal sends it above the cap. FN-18
Open tasksYour areas only
$
Invoice #1042 — Harbor Leasing
$4,200 · 31 days overdue · over your cap
Open
B
Renewal — HVAC license
Expires 12 Dec · $240 · within your cap
Renew
What this role is notBy design
No Principal-only actions: transferring ownership, closing the account, exporting all data, seeing team-member notes. Those are reserved, not hidden. AC-14
Your capPer action and per area
This action$860
Your cap$2,000
Above the cap, the approval routes to the Principal, not to a rejection. SC-03
DelegationA Designee's rights expire
A Designee acts for the Principal within a set scope, optionally for a set period, and expires automatically. SC-07
21 · Manager view — requirements shown — cited from PRD v0.6 / BRD v0.8
  • AC-9 Approval rights delegable by role, per area, with optional dollar caps.
  • SC-03 Approve rights may carry a dollar cap per action and per area.
  • AC-14 Rights reserved to the Principal: transfer ownership, close the account, export all data, team-member notes, change who is Principal.
  • FN-18 Month-end tax package compiled for the client's outside advisers.
  • SC-07 A Designee's rights expire automatically at their end date.
Above the cap, the approval routes to the Principal, not to a rejection. The cap is a routing rule, not a block.
22

Principal view

The same Home as the Principal sees it: the whole business, the reserved rights, the governance review.
cog.app/home (principal)Wireframe
CoG
HomeTasksCalendarCommunicationSchedulingFinanceCRMBusinessTeamNewsReportingSettings
Search anything…
Assistant
SC
Home — Principal
Rudy · PrincipalAdmin in every area
What needs youEvery item, ranked
$
Invoice #1042 — Harbor Leasing
$4,200 · 31 days overdue · QuickBooks
Send reminder
B
Bill — Ferguson Supply
$2,860 · above Dana's cap · routed to you
Pay
G
Grant — booking confirmations
20/20 approvals · 0 edits · confirm or revoke
Review
Business healthThe whole business
Cash
$18,400
12 days below floor
Booked
$42,180
+8% vs prior week
Overdue
$9,640
3 invoices
Margin
22.1%
+6% vs prior
Reserved to the PrincipalNo one else can
1
Transfer ownership
Change who is Principal.
Open
2
Close the account
With the exit data plan.
Open
3
Export all data
Every record the client created.
Export
4
Team-member notes
Principal only; never AI-written.
Open
Governance reviewNov 2026
The monthly review: access, autonomy, standing instructions, identification, reconciliation. It is the control surface the Principal owns. GV-4
Open review
Second approverAbove the amount you set
Payments above the threshold need a second approver. Money actions are never granted. SC-06 RU-30
Your teamDana's cap is yours to set
Dana · Manager$2,000 cap · Finance + Communication
Derek · Field staffNo financial data
Adjust cap
22 · Principal view — requirements shown — cited from PRD v0.6 / BRD v0.8
  • AC-14 At least one Principal; reserved actions; the last Principal cannot be removed.
  • SC-06 A second approver above the amount the Principal sets.
  • GV-4 Monthly governance review: access, autonomy, standing instructions, identification, reconciliation.
  • RU-30 Money actions are never grant-eligible.
  • AC-6 The Principal can export all data and close the account.
The Principal view is the only one with the reserved actions and the governance review. It is the same Home, not a different product.
Persona journeys
P1

Rudy — the plumbing owner's day

8 staff · plumbing · Jobber + QuickBooks + Gmail · 6 steps through 5 screens
ContextJobs in Jobber, books in QuickBooks, email in Gmail. Reconciles invoices and answers leads in the evening.
GoalKnow who owes money and which jobs made money without opening three applications; have overdue invoices chased for him.
06:00
Home
One ranked list: 3 approvals, 1 overdue invoice, 2 jobs at risk.
01 Home
07:30
Tasks
Invoice #1042 — Harbor Leasing, 31 days overdue. One tap sends the reminder.
02 Tasks
08:00
Approval
The reminder is drafted. Full content, recipient by name, 10-second hold.
03 Approval
09:00
Customer call
The voice agent answers first, verifies, and holds the booking for approval.
19 Voice
14:00
Finance
Cash is $18,400, 12 days below the floor. The 120-day chart shows the gap.
08 Finance
20:00
Governance review
At month-end: access, grants, standing instructions, reconciliation.
16 Governance
What changes for Rudy: the evening reconciliation collapses into one pass over Tasks and Finance. The approval step is the only thing he must do; the rest is prepared. What earns autonomy: after 20 clean reminder sends, the workflow becomes eligible for a grant — the evening check stops being a chore.
P2

Scott — the HVAC owner's day

7 technicians · HVAC · Housecall Pro · 6 steps through 5 screens
ContextDispatches in Housecall Pro. Technicians run over and the afternoon slips. Commercial invoices go unpaid.
GoalRoutes planned for each truck, crews moved between sites, customers told about delays, overdue commercial invoices collected.
07:00
Home
The day's schedule: 3 crews, 1 job running late.
01 Home
08:00
Scheduling
A crew is double-booked. The conflict is flagged before saving; the owner may proceed.
02 Tasks
09:30
Route
The late job re-plans the afternoon; a notice is drafted to every affected customer.
05 Route
12:00
Team
Derek's time is recorded; the job's actual labor goes into the costing.
07 Team
15:00
CRM
The commercial customer's balance is visible on the record, with the overdue sequence.
09 CRM
18:00
Reporting
Margin by crew: which truck made money, which did not.
13 Reporting
What changes for Scott: the afternoon slip is caught at 09:30, not at 15:00. The re-plan is a draft, not a phone tree. What earns autonomy: reminder and re-plan notices become grant-eligible after 20 clean approvals.
P3

Marisol — the landscaping owner's day

14 staff · 3 crews · landscaping · LMN + Wix · 6 steps through 5 screens
ContextWeekly mowing routes and seasonal contracts for homes and HOAs. Applicator licenses and pesticide reports to track. Rain days rescheduled one call at a time.
GoalRecurring visits on optimized routes, weather-day rescheduling with notices, service agreements billed on schedule, compliance filings prompted.
06:30
Home
Rain forecast for 14 Nov. 3 mowing visits at risk.
01 Home
07:00
Route
The route is optimized for the day: drive time, miles, stops.
05 Route
10:00
Business
The applicator license is Imminent; the pesticide use report is due 31 Jan.
11 Business
13:00
Scheduling
The seasonal agreement puts its visits on the route; billing follows the agreement's terms.
02 Tasks
16:00
Finance
The agreement bills on schedule; the invoice is drafted for approval.
08 Finance
18:00
Reporting
Fill rate and drive time against the onboarding baseline.
13 Reporting
What changes for Marisol: the rain day is one review, not one call at a time. The compliance filings sit in the same place as the work. What earns autonomy: recurring visit reminders and agreement billing are the strongest grant candidates.
P4

Dana — the office manager's day

Manager · electrical contractor · 6 steps through 5 screens
ContextRuns the office for an electrical contractor. Approves routine sends and small payments; the owner approves large ones.
GoalApprove rights in Communication and Finance with a dollar cap; the month-end package compiled for the accountant.
08:00
Home
The approval queue: 3 items, 1 above the cap.
01 Home
08:30
Approval
The group message is reviewed: every recipient named, removable.
03 Approval
09:30
Approval
The $2,860 bill is above the $2,000 cap — routed to the Principal.
03 Approval
11:00
Communication
The inbox is cleared: drafts prepared, decisions flagged.
04 Communication
15:00
Finance
Receipts are categorized; 3 are missing and become tasks.
08 Finance
17:00
Month-end
The tax package is compiled for Tallypoint; the Principal sends it.
18 Activity
What changes for Dana: the cap is a routing rule, not a block. The month-end package is compiled, not assembled. What earns autonomy: routine sends within the cap are the first grant candidates; money actions never are.
P5

Derek — the technician's day

Field staff · HVAC · phone · 6 steps through 3 screens
ContextEmployee, not an owner. Works from a phone on job sites.
GoalHis route and jobs for the day, the customer's and site's details, his own documents and time off. No access to company finances.
07:30
Today
4 jobs, 1h 24m drive. The first is on route.
17 Mobile
08:00
Start
Arrival is reported from the app; the geofence is on shift only, with consent.
17 Mobile
09:30
Delay
The furnace install is late. He reports the delay; notices are drafted.
17 Mobile
12:00
Close-out
He dictates the work done and the parts; the system drafts the invoice.
17 Mobile
15:00
Time off
He requests 20 Dec; it goes to an approver with the work it affects.
17 Mobile
17:00
Done
No finance, no pay figures. The role is the limit.
17 Mobile
What changes for Derek: the close-out is a sentence, not a form. The delay is a report, not a phone call to the office. What stays out: the finance area, the pay class, the customer balances. He does not see them because the role does not grant them.
P6

Tallypoint — the bookkeeper's touchpoint

Outside adviser · never logs in · 4 steps through 2 touchpoints
ContextExternal. Never logs in.
GoalCategorized receipts and a month-end tax package, with nothing re-keyed.
Month-end
Finance
Receipts are categorized; the package is compiled by the system.
08 Finance
Review
Approval
The Principal approves the package; the adviser is a recipient, not a user.
03 Approval
Send
Activity
The package reaches each adviser as one email with attachments.
18 Activity
Reply
Communication
Missing items come back as a task; the receipt is uploaded and matched.
04 Communication
What changes for Tallypoint: nothing is re-keyed. The adviser never logs in; the package arrives as one email. What the role is: an outside adviser is a document recipient, not an account. AC-7 RU-24
Persona × screen
M

Persona × screen

Who uses which screen. The matrix maps the six journeys back to all 30 screens, including the eight gap-closing surfaces.
#ScreenRudy (Principal)Scott (Principal)Marisol (Principal)Dana (Manager)Derek (Field staff)Tallypoint (Adviser)
01Home●●●●●·
02Tasks●●●●··
03Approval review●●●●··
04Calendar●●●●··
05Communication●●●●·●
06Scheduling●●●···
07Route optimization·●●···
08Finance●●●●·●
09Estimate●●●···
10CRM record●●●●··
11Client identification●●●●··
12Business Management●●●···
13Team●●●●··
14Reporting●●●●··
15Integrations●●●●··
16Governance review●●●···
17Activity log●●●●··
18Mobile app (field staff)····●·
19Voice & website······
20Field staff view····●·
21Manager view···●··
22Principal view●●●···
23News●●●●··
24Pricing Intelligence●●●···
25Search optimization●●●···
26Configuration●●●···
27Accounts & notifications●●●···
28Onboarding●●●···
29Assistant capabilities●●●···
30Classes & agreements······
Reading it. A filled dot means the persona uses the screen as part of their journey; a dot means it is reachable but not part of the daily path. The rows empty across all six — 19 Voice & website (customers use it, not the personas) and 30 Classes & agreements (the studio surface; no persona in the six runs a studio, though studios are in v1 per DEC-33 and go live first per DEC-49). The two Principal-only rows — 16 Governance review and 22 Principal view — are the reserved control surface. 18 Mobile app and 20 Field staff view belong to Derek alone.