ROWAN — Roadmap v2.0 → v3.0 Patch

What: Map your personal burn rate vs. available
      capital honestly. Before you spend a dollar
      on entity formation, know how long you
      can personally survive.

Questions to answer:
└── Monthly personal expenses (rent, food,
    insurance, phone, loan payments)
└── Available savings / family support
└── MBA program end date → when do you NEED income?
└── What is your minimum viable salary
    post-graduation?
└── What is the earliest E2W can pay you anything?

Why Phase 0: Founders run out of money before
             their company does. This is the
             #1 failure mode. Know your number.

Cost: $0
⏱ Your hours: 2-3 hrs (honest spreadsheet)
Who carries it: YOU ONLY. Non-delegable.
Output: Personal Runway Spreadsheet
        (months until zero at current burn)
MBA compatible: ✅ Do this weekend

What: Your operating agreement covers the basics.
      This goes deeper — the conversations founders
      avoid until they become crises.

Questions that MUST be answered in writing:

EQUITY:
└── What percentage does each party own?
└── Is equity equal or weighted toward
    the inventor (you)?
└── How does equity change if one party
    contributes more capital later?

VESTING:
└── Standard: 4-year vesting, 1-year cliff
└── Means: if CRO leaves in month 11,
    she gets nothing
└── Means: if she stays 4 years, fully vested
└── Protects both of you

DECISION RIGHTS:
└── Who has final say on product decisions?
    (should be you — materials + design)
└── Who has final say on financial decisions?
    (should be CRO or joint)
└── Who breaks ties?
└── What decisions require both signatures?

IP CLARITY:
└── Invention is yours as individual inventor ✅
└── Assigned to R&D Entity ✅
└── CRO has NO inventive contribution claim
    (confirm from co-inventor conversation)
└── Put this in writing in the agreement

DEPARTURE SCENARIOS:
└── What if CRO wants to leave?
└── What if YOU want to step back?
└── What if you disagree fundamentally?
└── Buyout formula — how is equity valued?

SALARY:
└── What does each person get paid when
    revenue starts?
└── Are sweat equity contributions tracked?
└── Who gets paid first?

Cost: $1,500-3,000 (attorney drafts)
      Covered under Phase 1 legal budget
⏱ Your hours: 5-10 hrs
   └── Pre-conversation prep: 2-3 hrs
   └── The actual conversation with CRO: 2-3 hrs
   └── Attorney review + sign-off: 1-2 hrs
Who carries it: Attorney drafts. You + CRO align first.
MBA compatible: ✅ Hard conversation. Have it early.
⚠️ The friendship survives hard conversations.
   It does not always survive ambiguous agreements.

What: Footwear has regulatory requirements
      that must be met before commercial sale.
      Not optional. Not something to figure out later.

CPSC (Consumer Product Safety Commission):
└── Footwear generally not CPSC-regulated
    unless it has electrical components
    or is children's footwear
└── BUT: product liability claims are real
└── Document your testing and safety
    validation from prototype stage
└── If self defense line has any defensive
    features → separate regulatory analysis
    required immediately

ASTM Standards:
└── ASTM F2912 — Footwear slip resistance
└── ASTM F1677 — Footwear for specific uses
└── Not all apply to fashion heels
└── BUT: testing to these standards
    provides liability protection
└── "Tested to ASTM standards" is a
    defensible position

Labeling Requirements:
└── Country of origin (required by FTC)
└── Fiber content (if textile components)
└── Care instructions
└── Size marking
└── These are federal requirements —
    not optional

California Prop 65:
└── If you sell in California (you will)
    certain chemicals require disclosure
└── Relevant if your materials contain
    any Prop 65 listed substances
└── Your materials science background
    means you already know what's in
    your product — document it
└── Attorney reviews compliance

Product Liability Insurance:
└── (See insurance section below)
└── Cannot sell product without this

Cost:
└── ASTM testing: $500-3,000 per test
└── Compliance attorney review: $1,000-2,500
└── Labeling setup: $200-500
⏱ Your hours: 8-12 hrs
   └── Research: 3-4 hrs
   └── Attorney meeting: 2-3 hrs
   └── Documentation: 3-5 hrs
Who carries it: Compliance attorney guides.
               YOU understand the materials.
MBA compatible: ⚠️ Pre-launch task — not urgent
               until prototype is ready

What: Insurance is not optional once you
      have a product, a program, or a property.
      Build the full stack in phases.

PHASE 3 INSURANCE (at launch):

Product Liability — Edaire to Wear:
└── Covers claims that your product
    caused injury or damage
└── Someone WILL claim your heel hurt them
└── Without this: one lawsuit ends the company
└── Cost: $1,000-3,000/year for small startup
└── Increases with revenue + distribution
└── Required by most retailers before
    they'll carry your product
└── Get this BEFORE first commercial sale

General Liability — E2W:
└── Slip and fall at events, pop-ups, etc.
└── Property damage
└── Cost: $500-1,500/year
└── Often bundled with product liability

Directors & Officers — Rebel With a Cause:
└── Protects board members from personal
    liability for board decisions
└── Essential for recruiting good board members
    (they will ask for this)
└── Cost: $800-2,000/year for small nonprofit
└── Get this BEFORE asking anyone to
    join your board formally

Workers Compensation:
└── Required in SC once you have employees
└── Even 1099 contractors in some situations
└── Cost: varies by payroll size

PHASE 4 INSURANCE (at Grand Oaks):

Equine Liability:
└── Horses are a litigation magnet
└── Someone gets hurt on your property,
    on your horse, in your program —
    this is the only thing standing
    between you and losing everything
└── Covers: lesson operations, boarding,
    trail riding, cross country course
└── Cost: $2,000-5,000/year
└── Required by most equestrian
    facility lenders
└── GET THIS BEFORE THE FIRST LESSON

Farm + Property Insurance:
└── Covers barn, equipment, fencing,
    cross country jumps, program buildings
└── Agricultural policy (different from
    standard homeowners)
└── Cost: $3,000-8,000/year depending
    on property value + structures

Commercial Auto:
└── If any vehicles used for business
    (hauling horses, program transportation)
└── Personal auto policy does NOT cover
    business use
└── Cost: $1,500-3,000/year

Watch Me Program Insurance:
└── Abuse + Molestation coverage
    (required for any youth-serving nonprofit)
└── This is separate from general liability
└── Background checks + safeguarding policies
    required to get this coverage
└── Cost: $1,500-3,000/year
└── GET THIS BEFORE THE FIRST CHILD
    SETS FOOT IN YOUR PROGRAM

TOTAL INSURANCE BUDGET:
└── Phase 3 (launch): $2,300-6,500/year
└── Phase 4 (Grand Oaks): add $8,000-19,000/year
└── Full operation: $10,300-25,500/year

⏱ Your hours: 4-8 hrs (getting quotes,
   reviewing policies, making decisions)
Who carries it: Insurance broker
               (get a broker, not direct —
               they shop multiple carriers
               for you at no extra cost)
MBA compatible: ✅ One broker conversation
               covers most of the research

What: Before Watch Me accepts a single child,
      this infrastructure must exist.
      No exceptions.

South Carolina DSS Partnership:
└── Contact SC Department of Social Services
    Regional Director for your area
└── Understand their referral process
└── Understand their supervision requirements
└── Understand their reporting requirements
└── They are your partner — not your obstacle
└── Building this relationship takes months
└── Start building it before you need it

SC Licensing for Youth Programs:
└── Programs serving foster youth may require
    SC DHEC or DSS licensing depending on
    program structure (residential vs. day)
└── Watch Me as day programming:
    likely less regulated than residential
└── Confirm with SC DSS and attorney
└── Licensing timeline: 3-6 months

Background Checks (ALL adults):
└── SLED check (SC Law Enforcement Division)
    required for anyone working with minors
└── FBI fingerprint check
└── Sex offender registry check
└── This includes YOU, board members,
    volunteers, contractors — everyone
└── Cost: $25-50 per person
└── Must be renewed periodically

Mandatory Reporter Training:
└── SC law requires mandatory reporter
    training for anyone working with minors
└── Free online training available through
    SC DSS website
└── Must be documented + renewed
└── Cost: $0
└── ⏱ 2-3 hrs per person

Child Safeguarding Policy:
└── Written policy covering:
    — Two-adult rule (never one adult
      alone with a child)
    — Physical contact guidelines
    — Communication protocols
      (no private social media contact)
    — Incident reporting procedures
    — Discipline policy
└── Required for D&O + abuse/molestation
    insurance coverage
└── Required by most grant funders
└── Psychiatrist friend should review

Incident Response Plan:
└── What happens when a child is hurt?
└── What happens when a child discloses abuse?
└── What happens when a child runs away?
└── What happens in a medical emergency?
└── Written. Practiced. Posted.

Cost:
└── Background checks: $25-50/person
└── Attorney reviews policies: $500-1,500
└── Training: $0
⏱ Your hours: 15-25 hrs (policy writing,
   training, relationship building with DSS)
   — SHARED with board + psychiatrist friend
Who carries it:
└── YOU author the vision + policies
└── Psychiatrist friend reviews clinical elements
└── Attorney reviews for legal compliance
└── Program director (future hire) manages
    day-to-day compliance
MBA compatible: ⚠️ This is Phase 3 work —
               post-MBA, pre-pilot launch
⚠️ The barn kept you safe because someone
   built it right. Build it right for them.