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<div class="nm-wrap">
  <section class="nm-hero">
    <h1>Tariff &amp; ROI Calculator</h1>
    <p class="nm-muted">Compare ROI under different tariffs (residential/commercial) and system sizes.</p>
    <div class="nm-kpis">
      <div class="nm-card"><strong>Inputs</strong><br><span class="nm-small">Tariff type • System size • Units/month</span></div>
      <div class="nm-card"><strong>Outputs</strong><br><span class="nm-small">Annual savings • ROI % • Payback</span></div>
      <div class="nm-card"><strong>Compare</strong><br><span class="nm-small">Scenario A vs B (size or tariff)</span></div>
    </div>
    <div class="nm-cta">
      <a class="primary" href="#calculator">Run Comparison</a>
      <a href="#faq">FAQs</a>
      <a href="/costs-and-payback">Costs &amp; Payback</a>
    </div>
  </section>

  <hr class="nm-divider" />

  <section>
    <h2>How to Use</h2>
    <ol class="nm-list">
      <li>Select <strong>tariff</strong> (residential/commercial) and your approximate slab.</li>
      <li>Enter <strong>units/month</strong> and test 1–2 <strong>system sizes</strong>.</li>
      <li>Compare <strong>ROI %</strong>, <strong>annual savings</strong> and <strong>payback</strong>.</li>
    </ol>
  </section>

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

  <section>
    <h2>Interpreting ROI</h2>
    <div class="nm-grid">
      <div class="nm-card">
        <h3>ROI %</h3>
        <p>Annual savings ÷ total investment. Consider maintenance and tariff growth.</p>
      </div>
      <div class="nm-card">
        <h3>Sensitivity</h3>
        <p>Test lower/higher generation and load patterns. Use conservative assumptions.</p>
      </div>
      <div class="nm-card">
        <h3>Decision</h3>
        <p>Choose the size with strong ROI while matching your roof space and budget.</p>
      </div>
    </div>
  </section>

  <section class="nm-cta">
    <a class="primary" href="https://wa.me/92xxxxxxxxxx?text=Please%20review%20my%20ROI%20scenarios">Share on WhatsApp</a>
    <a href="/apply">How to Apply</a>
    <a href="/faq">FAQs</a>
  </section>

  <hr class="nm-divider" />

  <section id="faq">
    <h2>FAQ</h2>
    <h3>Which tariff gives the best ROI?</h3>
    <p>Higher tariffs usually improve ROI, but exact results depend on your usage and system size.</p>
    <h3>Can I compare two different system sizes?</h3>
    <p>Yes—use Scenario A vs B to see ROI and payback for each size.</p>
    <h3>Do surcharges affect ROI?</h3>
    <p>They can. If you pay significant surcharges, solar may offset more of your bill.</p>
  </section>
</div>

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