Create Temptation-Proof Banking

{"strategicObjective":"Secure 15% of quarterly revenue in off-site Profit & Tax reserves within 6 months by automating 95%+ sweep transfers to guarantee cash for taxes and owner profit.","scorecardName":"Off-Site Cash Reserve Shield","scorecardShortName":"Reserve Shield","scorecardKeyId":"off_site_cash_reserve_shield","scorecardGuideMd":"### Strategy Summary\nMove profit and tax funds to remote accounts, making them psychologically and physically untouchable while building durable cash buffers.\n\n### Goal→Work→Proof Flow\nSetting up two off-site accounts and automating 95%+ sweeps (Work) feeds Profit and Tax balances and prevents unauthorized pulls (Proof), hitting the 15% revenue-to-reserve objective (Goal).\n\n### Weekly Execution Plan\n• Mon: Verify auto-sweep ran; reconcile amounts.\n• Tue: Review % Profit and % Tax balances versus revenue.\n• Thu: Audit for any manual withdrawals.\n• Fri: Adjust sweep rules if balances trail targets.\n\n### Success Indicators & Pivots\nRising % reserves and zero withdrawals signal success. If sweeps miss 95%, troubleshoot bank rules; if balances lag, raise sweep %. Pivot cadence after 2 missed weeks.\n\n### Key Success Factor\nRelentless automation—manual transfers invite temptation.","frequency":"Weekly","metrics":[{"metricKeyId":"finance-off-site-reserve-ratio","metricName":"Off-Site Reserves as % of Revenue","metricDescription":"Measures combined balances in Profit & Tax remote accounts divided by trailing 3-month gross revenue—core indicator that profit and tax cash are safeguarded.","okrType":"Goal (Objective)","guideMd":"Track in accounting GL ▸ Balance Sheet ▸ 'Profit'+'Tax' ÷ revenue. Pull weekly; raise sweep % if < target.","metricValue":{"type":"Latest","dataType":"Percentage(%)","value":0},"metricGoal":{"goalType":"Increase KPI","goal":15}},{"metricKeyId":"finance-off-site-accounts-opened","metricName":"Remote Accounts Activated","metricDescription":"Counts the number of separate, non-primary bank accounts opened and active specifically for Profit and Tax safeguarding.","okrType":"Work (Key Action)","guideMd":"Confirm account opening docs in banking portal. Target 2; close gap ASAP. Review until achieved.","metricValue":{"type":"Count","dataType":"Numeric(123)","value":0},"metricGoal":{"goalType":"Milestone Tracked ","goal":2}},{"metricKeyId":"finance-auto-sweep-success-rate","metricName":"Auto-Sweep Execution Rate","metricDescription":"Percentage of scheduled profit/tax transfer events successfully executed on first attempt each pay cycle—leading indicator of process reliability.","okrType":"Work (Key Action)","guideMd":"Monitor bank rule logs weekly; (# successful sweeps ÷ # scheduled) ×100. Tweak triggers if <95%.","metricValue":{"type":"AVG","dataType":"Percentage(%)","value":0},"metricGoal":{"goalType":"Increase KPI","goal":95}},{"metricKeyId":"finance-profit-balance-ratio","metricName":"Profit Account Balance %","metricDescription":"Profit account balance divided by trailing 3-month revenue—evidence that owner pay is protected.","okrType":"Proof (Key Result)","guideMd":"Accounting GL ▸ Balance Sheet ▸ Profit ÷ revenue. Review weekly; increase sweep 1-2% if lagging.","metricValue":{"type":"Latest","dataType":"Percentage(%)","value":0},"metricGoal":{"goalType":"Increase KPI","goal":5}},{"metricKeyId":"finance-tax-balance-ratio","metricName":"Tax Account Balance %","metricDescription":"Tax account balance divided by trailing 3-month revenue—verifies future tax liabilities are covered.","okrType":"Proof (Key Result)","guideMd":"Accounting GL ▸ Balance Sheet ▸ Tax ÷ revenue. Audit weekly; adjust sweep after revenue spikes.","metricValue":{"type":"Latest","dataType":"Percentage(%)","value":0},"metricGoal":{"goalType":"Increase KPI","goal":10}},{"metricKeyId":"finance-unauthorized-withdrawals","metricName":"Unauthorized Withdrawals","metricDescription":"Counts any outbound transfers from Profit or Tax accounts not pre-approved—must stay at zero to keep reserves intact.","okrType":"Proof (Key Result)","guideMd":"Enable bank alerts; log events in spreadsheet weekly. Investigate immediately if >0.","metricValue":{"type":"Count","dataType":"Numeric(123)","value":0},"metricGoal":{"goalType":"Always Zero 0","goal":0}}]}