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<div class="nm-wrap">
  <section class="nm-hero">
    <h1>Electricity Bill Reduction Calculator</h1>
    <p class="nm-muted">See how much your monthly bill can shrink with solar self-consumption and net metering credits.</p>
    <div class="nm-kpis">
      <div class="nm-card"><strong>Inputs</strong><br><span class="nm-small">Units/month • Peak usage • System size</span></div>
      <div class="nm-card"><strong>Outputs</strong><br><span class="nm-small">% bill reduction • New estimated bill</span></div>
      <div class="nm-card"><strong>Action</strong><br><span class="nm-small">Optimize loads for daytime usage</span></div>
    </div>
    <div class="nm-cta">
      <a class="primary" href="#calculator">Calculate Reduction</a>
      <a href="#faq">FAQs</a>
      <a href="/how-it-works">How It Works</a>
    </div>
  </section>

  <hr class="nm-divider" />

  <section>
    <h2>How to Use</h2>
    <ol class="nm-list">
      <li>Enter your average <strong>units per month</strong> from the last 3–6 bills.</li>
      <li>Select <strong>daytime vs night</strong> usage split (rough estimate).</li>
      <li>Pick a <strong>system size</strong> and assumed sunlight hours.</li>
    </ol>
    <p class="nm-note">Move shiftable loads (laundry, ironing) to daytime to increase self-consumption.</p>
  </section>

  <section id="calculator">
    <h2>Calculator</h2>
    <!-- Example: [bill_reduction_calculator] -->
    <div class="nm-card"><p class="nm-muted">Calculator embed goes here.</p></div>
  </section>

  <section>
    <h2>Make the Most of Your System</h2>
    <div class="nm-grid">
      <div class="nm-card">
        <h3>Self-Consumption</h3>
        <p>Using solar as it’s generated reduces imports immediately and avoids night-time surcharges.</p>
      </div>
      <div class="nm-card">
        <h3>Export Credits</h3>
        <p>Extra daytime units are exported to the grid and credited against your imports later.</p>
      </div>
      <div class="nm-card">
        <h3>Battery Optional</h3>
        <p>Batteries help during outages, but you can still achieve strong bill cuts without them.</p>
      </div>
    </div>
  </section>

  <section class="nm-cta">
    <a class="primary" href="/cities/karachi">City Guide: Karachi</a>
    <a href="/cities/lahore">City Guide: Lahore</a>
    <a href="/cities/islamabad">City Guide: Islamabad</a>
    <a href="/apply">Start Application</a>
  </section>

  <hr class="nm-divider" />

  <section id="faq">
    <h2>FAQ</h2>
    <h3>Will my bill become zero?</h3>
    <p>Not always. Fixed charges and seasonal variation apply; aim for the right system size first.</p>
    <h3>What if exports exceed imports?</h3>
    <p>Excess credits are typically carried forward per applicable policy; check your DISCO rules.</p>
    <h3>Does a hybrid inverter improve bill reduction?</h3>
    <p>Hybrid inverters help during outages; reduction primarily comes from daytime self-consumption + credits.</p>
  </section>
</div>

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