| tax | HST 13% (5% federal / 8% provincial), new housing rebate capped at $24,000 | GST+PST, state & local sales tax, or EU VAT with reverse-charge handling |
| labour_burden | CPP 5.95%, EI 3.22%, EHT 1.95%, WSIB rate group, vacation pay | FICA/FUTA/SUTA and workers' comp, or the national contributi previdenziali |
| construction_act | 10% statutory holdback, prompt-payment clock, lien preservation & perfection days, adjudication | State retainage & mechanics-lien deadlines, or the local retention regime |
| permits_fees | Building permit per m², minimum fee, examination rate, construction surcharge | The municipal fee schedule wherever you build — same shape, different numbers |
| code | OBC reference, accessibility, energy, frost depth 1.2 m, seismic | IBC + local amendments, NBC, or Eurocodes with the national annex |
| winter | Dec–Mar, heating degree days, productivity loss %, temporary heat cost | Zero in a mild climate; larger in Winnipeg or Helsinki. Same three fields. |
| bonding_insurance | Performance & L&M bond %, premium, public-work threshold, CGL minimums | Miller Act thresholds in the US, or the local surety and guarantee practice |
| green / by-laws | Toronto Green Standard v4, green roof by-law, noise Ch. 591 permitted hours | Drop the section, or replace with the local sustainability and nuisance rules |
| escalation_outlook | Annual material & labour %, trades under pressure | Your own market read — this one you'll want to retune yearly regardless |