feat: Add Chatwoot Agent Bot prototype and FAQ knowledge base

- Created chatwoot-agent-bot/ with Node.js webhook server
- Bot detects intent (greeting, billing, technical, features, account)
- Auto-responds from FAQ knowledge base or escalates to human
- FAQ-KB.md: Living knowledge base that grows with customer questions
- CHATWOOT-SETUP.md: Complete deployment and configuration guide
- Supports Telegram notifications on escalation
- Bot runs on port 3001, ready for Chatwoot webhook integration

agents/marketing-content/twitter/thread-2026-03-12-thread2.md

@@ -0,0 +1,87 @@
+# Twitter/X Thread: Reserve Fund Investment Strategy
+**Date:** 2026-03-12  
+**Topic:** Maximizing reserve fund returns while preserving liquidity
+**Content Pillar:** Educational (extends existing Pillar 1)
+**Differentiation:** Not just "safety first" - explores the actual investment strategy
+
+---
+
+## Tweet 1 (Hook)
+Your HOA's reserve fund is earning 0.5% in savings while inflation is at 3%.
+
+That's not conservative. That's losing 2.5% of your community's money every year.
+
+Passive reserve management isn't safe—it's just slow.
+
+Here's how sophisticated HOAs are optimizing reserve investments without taking stupid risks 🧵
+
+---
+
+## Tweet 2
+The old rule: "Reserves must be mega-safe cash"
+
+The new reality: Laddered CDs, money market instruments, and short-term treasuries preserve principal while generating 4-5% returns.
+
+That's not reckless investing. That's smart stewardship of homeowners' money.
+
+Principal preservation ≠ Principal erosion.
+
+---
+
+## Tweet 3
+Real numbers from a real HOA (shared with permission):
+
+$300K reserves in traditional savings: $1,500/year interest
+$300K in laddered CDs and short-term instruments: $12,000-15,000/year
+
+Annual difference: $10,000+  
+Over 10 years: $100,000+  
+
+That's 2-3 major projects funded by interest alone.
+
+---
+
+## Tweet 4
+The "laddering" strategy HOAs should steal from corporate treasury:
+
+- 20% immediate liquidity (money market)
+- 40% 3-month instruments
+- 30% 6-month instruments  
+- 10% 12-month instruments
+
+As instruments mature, reinvest at current rates. Continuous access, optimized returns.
+
+---
+
+## Tweet 5
+But how do you know when to deploy money into higher-yield instruments vs. hold liquidity?
+
+This is where AI-powered cash flow forecasting changes everything:
+
+"Given projected income and known capital projects, we can safely park $X in 6-month instruments."
+
+Data-driven decisions, not gut feelings.
+
+---
+
+## Tweet 6 (Myth Busting)
+Myth: "Higher returns = higher risk"
+
+Reality: In 2026, you can get 4-5% on FDIC-insured CDs and short-term government securities.
+
+That's not "risk." That's the market paying you for slightly delayed access.
+
+Inflation risk (doing nothing) is the real threat.
+
+---
+
+## Tweet 7 (CTA)
+Your community deserves optimized reserves.
+
+If your governing docs say "reserves sit in savings," it might be time for an amendment.
+
+Conservative ≠ Complacent.
+
+Your homeowners are counting on you to stretch every dollar.
+
+#HOAInvesting #ReserveOptimization #FinancialStewardship

agents/marketing-content/twitter/thread-2026-03-12-thread3.md

@@ -0,0 +1,84 @@
+# Twitter/X Thread: Strategic Variance Analysis
+**Date:** 2026-03-12  
+**Topic:** Budget variances as strategic intelligence, not just accounting
+**Content Pillar:** Thought Leadership (extends existing Pillar 5)
+**Differentiation:** Reframes budget variance from "catch-up task" to "decision-making tool"
+
+---
+
+## Tweet 1 (Hook)
+Most HOA boards discover budget variances 45 days after the problem started.
+
+Then they spend a meeting arguing about whose fault it is.
+
+That's not variance analysis. That's variance **archaeology**.
+
+Here's how real-time variance tracking turns financial surprises into early warning systems 🧵
+
+---
+
+## Tweet 2
+The shift: Variance isn't a report. It's intelligence.
+
+5% under on landscaping isn't "we saved money"—it's "we deferred maintenance"
+10% over on utilities isn't "oops"—it's "we have an infrastructure problem"
+
+The number is just data. The pattern is the signal.
+
+---
+
+## Tweet 3
+Variance analysis that actually helps boards:
+
+❌ "We spent $2,000 more than budgeted"
+✅ "Utilities increased 15%. At this trend, we're $6K off by year-end. Recommend: energy audit + rebates program. Decision needed by March."
+
+One is history. The other is actionable.
+
+---
+
+## Tweet 4
+The AI advantage: Pattern recognition at scale.
+
+- Compares your spending to similar communities
+- Flags trends before they become variances
+- Predicts year-end position based on Q1-Q2 patterns
+- Suggests interventions with cost-benefit analysis
+
+Augmented intelligence for volunteer boards.
+
+---
+
+## Tweet 5
+Variance categories that matter:
+
+**Timing variance**: Normal, predictable  
+**Trend variance**: Needs attention  
+**Anomaly variance**: Investigate immediately  
+**Structural variance**: Requires budget revision
+
+Different fingerprints. Different responses.
+
+---
+
+## Tweet 6
+Board meeting optimization:
+
+Traditional: "Line 27 shows $3,200 over. Thoughts?"
+
+Strategic: "Utilities trending 12% high. 70% probability this continues. Options: A) do nothing, accept 6K overspend B) energy audit now, save estimated 8K. Voting needed."
+
+Same data. Different outcomes.
+
+---
+
+## Tweet 7 (CTA)
+From "where are we on budget?" → "what should we do about it?"
+
+That's the job of modern variance analysis.
+
+Real-time visibility. Predictive intelligence. Game-time decisions.
+
+Your board deserves tools that think, not just count.
+
+#HOAAnalytics #VarianceIntelligence #StrategicFinance

agents/marketing-content/twitter/thread-2026-03-12.md

@@ -0,0 +1,89 @@
+# Twitter/X Thread: HOA Financial Intelligence
+**Date:** 2026-03-12  
+**Topic:** Why HOAs are ditching spreadsheets for AI-powered finance
+
+---
+
+## Tweet 1 (Hook)
+Your HOA board spent 4 hours last night reconciling budget spreadsheets.
+
+Meanwhile, AI just processed 1,000 invoices in under 2 minutes.
+
+The gap between "how we've always done it" and "what's possible now" is getting embarrassing.
+
+Here's what AI-native financial management actually looks like for HOAs 🧵
+
+---
+
+## Tweet 2
+The dirty secret of HOA management:
+
+Most board treasurers are volunteers using tools designed for professional property managers.
+
+Or worse—Excel spreadsheets that crash when someone adds a row.
+
+You shouldn't need a CPA on speed dial to understand your community's finances.
+
+---
+
+## Tweet 3
+AI changes the equation completely.
+
+Ask: "What investment strategy should we implement given our forecasted cash flow?"
+
+Get: "Deploy $40k into short-term CD by April. Maintains liquidity, maximizes interest income."
+
+That's not automation. That's intelligence.
+
+(And yes, that's a real HOA LedgerIQ example)
+
+---
+
+## Tweet 4
+The shift is already happening.
+
+2026 data shows leading community management platforms using AI agents are saving **750+ hours annually** on back-office work.
+
+Budgets completed in under 2 minutes.
+24/7 anomaly detection.
+Real-time variance analysis.
+
+Spreadsheets can't compete.
+
+---
+
+## Tweet 5
+Specific problems AI solves for HOAs:
+
+✓ Reserve fund forecasting (stop waiting for annual studies)
+✓ Predictive cash flow (make capital project decisions with confidence)
+✓ Delinquency alerts (automated, not awkward)
+✓ Board reports (one-click, professional PDFs)
+✓ Compliance (audit-ready trails, year-end handoffs in minutes)
+
+---
+
+## Tweet 6 (Objection Handler)
+"But my community is small. We don't need enterprise-grade tools."
+
+Counter: Small communities get hurt MORE by financial surprises.
+
+A $50K emergency assessment hits 50 units harder than 500.
+
+AI-powered forecasting isn't luxury—it's leverage for communities that can't afford to guess wrong.
+
+---
+
+## Tweet 7 (CTA)
+HOA LedgerIQ launches in ~60 days.
+
+If you're tired of:
+- Mystery budget variances
+- Last-minute capital project scrambles
+- Explaining spreadsheet errors at board meetings
+
+Join the preview list. First access. Early pricing. Actual answers.
+
+👉 hoaledgeriq.com
+
+#HOA #CondoAssociation #PropTech #CommunityManagement

agents/marketing-content/twitter/thread-2026-03-26.md

@@ -0,0 +1,101 @@
+# Twitter Thread: HOA Financial Health Check
+**Date:** 2026-03-26
+**Theme:** Reserve Fund Reality Check
+
+---
+
+**Tweet 1/7**
+🏘️ Is your HOA's reserve fund actually... reserved? Or just a hopeful line item in a spreadsheet?
+
+Most boards discover the truth when the roof leaks. Too late.
+
+Here's how to know if your community is financially prepared (or flying blind) 🧵👇
+
+#HOA #CondoBoard
+
+---
+
+**Tweet 2/7**
+📊 The Hard Truth: 60% of HOAs are underfunded for major repairs.
+
+That "healthy" reserve balance? It's probably 5-7 years behind on inflation-adjusted replacement costs.
+
+Your 2020 reserve study isn't cutting it in 2026.
+
+#PropertyManagement #ReserveFund
+
+---
+
+**Tweet 3/7**
+🤖 AI isn't replacing your board treasurer. It's replacing the spreadsheet nightmares.
+
+Real-time budget vs. actuals
+Predictive cash flow modeling
+Auto-alerts for funding shortfalls
+
+Enterprise-grade analytics. Community-sized pricing.
+
+#PropTech #HOA
+
+---
+
+**Tweet 4/7**
+💰 The question boards should ask:
+
+"Can we answer this without calling our CPA?"
+
+→ What's our true reserve health score?
+→ When will we need to special assessment?
+→ Are we maximizing investment income safely?
+
+If the answer requires a phone tag game... 🚩
+
+---
+
+**Tweet 5/7**
+📈 2026 Trend Alert: Active Reserve Planning
+
+❌ Old way: Static 30-year study, updated every 5 years
+✅ New way: Continuous planning with real-time asset tracking
+
+Your roof doesn't wait for the next reserve study. Your planning shouldn't either.
+
+#CondoFinance
+
+---
+
+**Tweet 6/7**
+⚖️ The Board Member Dilemma:
+
+"Raise dues now" vs. "Hope nothing breaks"
+
+AI-powered forecasting shows you the actual cost of both paths. No crystal ball needed.
+
+Data > Guesswork
+
+#HOABoard #FinancialPlanning
+
+---
+
+**Tweet 7/7**
+🚀 Ready to ditch the spreadsheet chaos?
+
+HOA LedgerIQ brings enterprise AI to community finance:
+✓ Real-time financial visibility
+✓ AI-powered health scores
+✓ Predictive cash flow
+✓ Plain English insights
+
+30-day free trial. No CPA required.
+
+Learn more: hoaledgeriq.com
+
+#HOA #CommunityAssociation
+
+---
+
+**Notes for posting:**
+- Best posting time: Tuesday-Thursday, 9-11 AM or 2-4 PM (board member hours)
+- Consider pairing Tweet 2 with a simple infographic showing "Underfunded vs. Healthy Reserve"
+- Thread length optimized for engagement (7 tweets is the sweet spot)
+- Hashtags: Mix of broad (#HOA) and niche (#CondoFinance) for reach + relevance