Rate card
Your pricing rules: what each billable resource costs and how time rounds up. Saving creates a new version — quotes you already priced keep their old numbers, so a March quote stays a March quote.
Billable resources
Time bills as ceil(minutes ÷ increment) × increment at the hourly rate — 19 min on a 20-min increment bills as 20.
Payees
Who you owe and how you settle. Markup here is the per-relationship default for their lines (a near-partner sub might be 0%, a one-off sub 10–15%) — overridable on any line.
No payees yet — add your subs and anyone else you settle with.