Ll97 Calculator

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LL97 Calculator: NYC Building Emissions Compliance

Estimate your building's potential carbon emissions and understand your compliance status under New York City's Local Law 97. This tool helps building owners and managers assess their current emissions, project future needs, and plan for compliance.

LL97 Compliance Calculator

Total area of the building in square feet.
Residential Commercial Office Retail Hospital Hotel Industrial Mixed Use Other
Select the primary use of the building.
The year the building was constructed.
Total energy consumed annually in kBtu (thousands of British Thermal Units).
2024 2025 2026 2027 2028 2029 2030
The target year for emissions compliance.

Your LL97 Compliance Summary

Estimated Annual Emissions (tCO2e):
Emissions Limit (tCO2e/sqft):
Emissions Intensity (tCO2e/sqft):
Formula Used:

Annual Emissions (tCO2e) = Annual Energy Consumption (kBtu) * Emission Factor (tCO2e/kBtu)

Emissions Limit (tCO2e/sqft) is determined by building type and compliance year based on LL97 benchmarks.

Compliance Status: If Annual Emissions (tCO2e) is less than or equal to (Emissions Limit (tCO2e/sqft) * Building Area (sqft)), the building is compliant. Otherwise, it may be subject to penalties.

Key Assumptions:

Building Area: sqft
Occupancy Type:
Year Built:
Compliance Year:

LL97 Emissions Benchmarks

Emissions Limits (tCO2e/sqft) by Occupancy Type and Year
Occupancy Type 2024-2029 Limit 2030+ Limit
Residential0.0150.012
Commercial Office0.0180.015
Retail0.0200.018
Hospital0.0250.022
Hotel0.0220.019
Industrial0.0280.025
Mixed Use0.0200.017
Other0.0240.021

Annual Emissions vs. Limit Projection

This chart visualizes your building's estimated annual emissions against the LL97 compliance limit for the selected compliance year and projected future limits.

What is the LL97 Calculator?

The LL97 calculator is a specialized tool designed to help building owners and managers in New York City assess their compliance with Local Law 97 (LL97). This landmark legislation mandates significant reductions in greenhouse gas emissions from the city's largest buildings. The LL97 calculator estimates a building's annual carbon emissions (measured in metric tons of carbon dioxide equivalent, tCO2e) and compares it against the legally defined emissions limits based on the building's occupancy type, size, and the target compliance year. Understanding these figures is crucial for avoiding substantial financial penalties and for planning necessary energy efficiency upgrades.

Who should use it: Building owners, property managers, facility managers, real estate developers, sustainability consultants, and anyone responsible for the operational performance and compliance of large buildings in NYC (over 25,000 sq ft) are the primary users of an LL97 calculator. It's an essential tool for initial assessment, strategic planning, and tracking progress towards emissions reduction goals.

Common misconceptions: A common misconception is that LL97 only applies to new constructions or major renovations. In reality, it targets existing large buildings and requires them to meet specific emissions intensity limits. Another misconception is that compliance is a one-time event; LL97 sets progressively stricter limits over time, requiring ongoing efforts. Some also believe that simply reducing energy consumption is enough, without considering the type of energy used and its associated carbon intensity, which the LL97 calculator helps to clarify.

LL97 Emissions Formula and Mathematical Explanation

The core of the LL97 calculator relies on a straightforward calculation of a building's total annual greenhouse gas emissions and a comparison against its mandated limit. The process involves several key steps and variables:

Calculating Annual Emissions

The primary calculation for a building's annual emissions is:

Annual Emissions (tCO2e) = Annual Energy Consumption (kBtu) × Emission Factor (tCO2e/kBtu)

Where:

  • Annual Energy Consumption (kBtu): This is the total amount of energy consumed by the building over a one-year period, measured in thousands of British Thermal Units (kBtu). This data is typically found on utility bills or building energy management systems.
  • Emission Factor (tCO2e/kBtu): This factor converts energy consumption into greenhouse gas emissions. The emission factor varies depending on the type of energy consumed (e.g., electricity, natural gas, fuel oil). For simplicity in many calculators, a blended or average emission factor is used, often derived from NYC-specific grid emission data for electricity and standard factors for fuels. A common approximate factor for electricity in NYC is around 0.00045 tCO2e/kBtu, and for natural gas, it's around 0.000053 tCO2e/kBtu. The calculator may use a simplified blended factor or allow for more detailed input if available.

Determining the Emissions Limit

The LL97 emissions limit is calculated based on the building's characteristics:

Emissions Limit (tCO2e) = Emissions Limit per Square Foot (tCO2e/sqft) × Gross Floor Area (sqft)

Where:

  • Emissions Limit per Square Foot (tCO2e/sqft): This is a benchmark value set by the law, which varies by occupancy type and is tiered based on compliance deadlines (e.g., 2024-2029 and 2030 onwards). These benchmarks represent the maximum allowable emissions intensity for a given building type to be considered compliant.
  • Gross Floor Area (sqft): The total floor area of the building, measured in square feet.

Calculating Emissions Intensity

To directly compare the building's performance to the benchmark, emissions intensity is calculated:

Emissions Intensity (tCO2e/sqft) = Annual Emissions (tCO2e) / Gross Floor Area (sqft)

Compliance Assessment

A building is considered compliant if its Annual Emissions (tCO2e) are less than or equal to its calculated Emissions Limit (tCO2e). If the building's emissions exceed the limit, it is non-compliant and may face penalties, which are typically calculated as a percentage of the excess emissions multiplied by a penalty rate ($150 per tCO2e over the limit, adjusted for inflation).

Variables Table

LL97 Calculator Variables
Variable Meaning Unit Typical Range / Notes
Gross Floor Area Total area of all enclosed floors in the building. sqft > 25,000 sqft for LL97 applicability. Example: 50,000 – 500,000+
Occupancy Type Primary use of the building (e.g., residential, office). Category Affects the emissions limit benchmark.
Year Built Construction year of the building. Year Older buildings may have less efficient systems. Affects potential for upgrades.
Annual Energy Consumption Total energy used annually. kBtu Highly variable based on size, use, and efficiency. Example: 50,000 – 5,000,000+
Compliance Year The specific year for which compliance is being assessed. Year LL97 limits become stricter over time (e.g., 2024-2029 vs. 2030+).
Annual Emissions Total greenhouse gas emissions produced annually. tCO2e Calculated value.
Emissions Limit Maximum allowable emissions for the building in a given year. tCO2e Calculated value based on area and benchmark.
Emissions Intensity Emissions per unit of floor area. tCO2e/sqft Calculated value, directly comparable to benchmarks.

Practical Examples (Real-World Use Cases)

Example 1: Large Residential Apartment Building

Scenario: A 15-story residential apartment building in Manhattan, built in 1975, with a gross floor area of 120,000 sqft. It consumes approximately 1,500,000 kBtu annually, primarily from natural gas heating and electricity for common areas and resident usage. We want to assess compliance for the year 2025.

Inputs:

  • Gross Floor Area: 120,000 sqft
  • Occupancy Type: Residential
  • Year Built: 1975
  • Annual Energy Consumption: 1,500,000 kBtu
  • Compliance Year: 2025

Calculations (using simplified blended emission factor of ~0.0005 tCO2e/kBtu):

  • Annual Emissions = 1,500,000 kBtu * 0.0005 tCO2e/kBtu = 750 tCO2e
  • Emissions Limit (Residential, 2024-2029) = 0.015 tCO2e/sqft * 120,000 sqft = 1,800 tCO2e
  • Emissions Intensity = 750 tCO2e / 120,000 sqft = 0.00625 tCO2e/sqft

Result: The building's estimated annual emissions are 750 tCO2e, while its limit is 1,800 tCO2e. The emissions intensity is 0.00625 tCO2e/sqft, well below the 0.015 tCO2e/sqft benchmark.

Interpretation: This building is currently compliant with LL97 for 2025. However, the limits become stricter in 2030 (0.012 tCO2e/sqft). The owner should monitor energy usage and consider future upgrades to maintain compliance beyond 2030, potentially targeting an intensity below 0.012 tCO2e/sqft.

Example 2: Older Commercial Office Building

Scenario: A 10-story commercial office building in Midtown, constructed in 1955, with a gross floor area of 80,000 sqft. It consumes 2,000,000 kBtu annually, mainly from electricity and some residual heating oil. The owner wants to check compliance for 2028.

Inputs:

  • Gross Floor Area: 80,000 sqft
  • Occupancy Type: Commercial Office
  • Year Built: 1955
  • Annual Energy Consumption: 2,000,000 kBtu
  • Compliance Year: 2028

Calculations (using simplified blended emission factor of ~0.0005 tCO2e/kBtu):

  • Annual Emissions = 2,000,000 kBtu * 0.0005 tCO2e/kBtu = 1,000 tCO2e
  • Emissions Limit (Commercial Office, 2024-2029) = 0.018 tCO2e/sqft * 80,000 sqft = 1,440 tCO2e
  • Emissions Intensity = 1,000 tCO2e / 80,000 sqft = 0.0125 tCO2e/sqft

Result: The building's estimated annual emissions are 1,000 tCO2e, and its limit is 1,440 tCO2e. The emissions intensity is 0.0125 tCO2e/sqft.

Interpretation: This building is compliant for 2028. However, its emissions intensity (0.0125 tCO2e/sqft) is already close to the 2030+ limit for commercial offices (0.015 tCO2e/sqft). The owner should prioritize energy efficiency measures, such as upgrading HVAC systems, improving insulation, and installing LED lighting, to reduce consumption and prepare for future, stricter requirements. Failing to do so could lead to penalties starting in 2030.

How to Use This LL97 Calculator

Using the LL97 calculator is designed to be intuitive and straightforward. Follow these steps to get your compliance estimate:

  1. Gather Building Data: Before using the calculator, collect accurate information about your building. This includes:
    • Gross Floor Area (sqft): The total square footage of your building.
    • Occupancy Type: The primary use of your building (e.g., Residential, Commercial Office, Retail).
    • Year Built: The original construction year.
    • Annual Energy Consumption (kBtu): Total energy consumed over a 12-month period. This can be found on utility bills or energy management reports. Ensure you sum up all energy sources (electricity, natural gas, fuel oil, etc.) and convert them to kBtu if necessary.
    • Compliance Year: Select the year for which you want to assess compliance (e.g., 2024, 2025, etc.).
  2. Input Data: Enter the gathered information into the corresponding fields in the calculator. Pay close attention to the units required (sqft, kBtu).
  3. Validate Inputs: The calculator performs inline validation. Ensure all fields are filled correctly, and values are non-negative. Error messages will appear below any invalid fields.
  4. Calculate Compliance: Click the "Calculate Compliance" button.
  5. Review Results: The calculator will display:
    • Primary Result: A clear indication of whether your building is estimated to be compliant or non-compliant for the selected year.
    • Estimated Annual Emissions (tCO2e): Your building's projected carbon output.
    • Emissions Limit (tCO2e/sqft): The benchmark limit for your building type and year.
    • Emissions Intensity (tCO2e/sqft): Your building's actual emissions intensity.
    • Key Assumptions: A summary of the inputs used for the calculation.
  6. Interpret the Data: Compare your building's emissions intensity to the limit. If your intensity is lower, you are compliant. If it's higher, you are non-compliant and may face penalties. The chart provides a visual representation of your current status and future projections.
  7. Plan Next Steps: Based on the results, you can decide on strategies to improve energy efficiency, such as upgrading insulation, installing energy-efficient lighting and appliances, optimizing HVAC systems, or exploring renewable energy sources. Use the "Copy Results" button to save or share your findings.
  8. Reset: Use the "Reset" button to clear all fields and start over with default values.

This LL97 calculator is a powerful tool for initial assessment, but for definitive compliance strategies and accurate penalty calculations, consult with a qualified energy auditor or sustainability consultant.

Key Factors That Affect LL97 Results

Several factors significantly influence a building's LL97 compliance status and the results generated by the calculator. Understanding these can help building owners strategize for emissions reduction:

  1. Building Envelope Efficiency: The quality of insulation, windows, and roofing directly impacts heating and cooling loads. Buildings with poor envelopes require more energy to maintain comfortable temperatures, leading to higher emissions. Upgrades like better insulation or high-performance windows can drastically reduce consumption.
  2. HVAC System Performance: Heating, Ventilation, and Air Conditioning systems are major energy consumers. Older, inefficient, or poorly maintained HVAC systems use significantly more energy than modern, well-maintained ones. Regular maintenance, upgrades to high-efficiency units, and smart controls are critical for reducing emissions.
  3. Lighting Systems: Lighting can account for a substantial portion of a building's electricity consumption. Transitioning from incandescent or fluorescent lighting to energy-efficient LEDs, coupled with occupancy sensors and daylight harvesting controls, can yield significant energy savings and lower emissions.
  4. Plug Loads and Equipment Efficiency: Energy consumed by office equipment, appliances, and other plug-in devices (plug loads) is increasingly significant. Encouraging the use of ENERGY STAR-rated equipment and implementing power management policies can help reduce this consumption.
  5. Occupant Behavior: While harder to quantify, how building occupants use energy plays a role. Simple actions like turning off lights and equipment when not in use, adjusting thermostats appropriately, and reporting energy waste can contribute to overall energy reduction. Educating tenants and staff is key.
  6. Energy Source Mix: The type of energy used matters. Electricity generated from renewable sources has a lower carbon footprint than electricity from fossil fuels. Similarly, natural gas has a lower carbon intensity than heating oil. Buildings that can transition to cleaner energy sources or purchase renewable energy credits (RECs) will see their emissions intensity decrease.
  7. Building Age and Retrofit History: Older buildings often have less efficient systems and materials. The effectiveness and extent of previous energy efficiency retrofits will heavily influence current energy consumption and emissions. Buildings that have undergone significant modernizations are generally better positioned for LL97 compliance.
  8. Operational Schedules and Setpoints: Inefficient scheduling of HVAC and lighting systems, or overly aggressive temperature setpoints, can lead to unnecessary energy consumption. Optimizing operating hours and temperature ranges based on actual building usage is crucial.

Frequently Asked Questions (FAQ)

What is the penalty for non-compliance with LL97?
Penalties are calculated based on the amount of emissions exceeding the limit. The standard penalty is $150 per metric ton of CO2 equivalent (tCO2e) over the limit, adjusted annually for inflation. For buildings with high excess emissions, the penalty can be significant.
Does LL97 apply to my building if it's under 25,000 sqft?
No, Local Law 97 specifically applies to buildings that have a gross floor area of 25,000 square feet or greater. Smaller buildings are exempt from these specific emissions caps.
Can I use renewable energy to help meet LL97 targets?
Yes, the law allows for the use of renewable energy credits (RECs) and other forms of renewable energy generation to offset a portion of your building's emissions. The specifics of how these can be applied are detailed in the NYC Department of Buildings' guidelines.
What if my building has multiple occupancy types?
For mixed-use buildings, the law requires a calculation based on the emissions intensity of each occupancy type. If your building is predominantly one type, you might use that benchmark. For complex mixes, you may need a more detailed analysis or consult with a professional. Our calculator uses a simplified approach for 'Mixed Use'.
How accurate is this LL97 calculator?
This calculator provides an estimate based on the data you input and standard LL97 benchmarks. Actual emissions and limits can vary based on specific energy sources, detailed building systems, and evolving regulations. For precise compliance figures, professional energy audits and consultations are recommended.
What are the compliance deadlines for LL97?
The first compliance deadline is January 1, 2024, with limits based on the 2024-2029 benchmarks. These limits become significantly stricter starting January 1, 2030, based on the 2030+ benchmarks. Buildings must meet these targets annually thereafter.
Can I get an exemption or a compliance extension?
Yes, LL97 provides pathways for buildings to apply for adjustments or extensions under certain conditions, such as demonstrating significant capital investments in energy efficiency upgrades or facing unique building circumstances. These require formal applications to the NYC Department of Buildings.
What is the role of the NYC Department of Buildings (DOB) in LL97?
The DOB is the primary agency responsible for implementing and enforcing LL97. They set the specific rules, benchmarks, provide guidance documents, review compliance filings, and administer penalties. Staying updated with DOB announcements is crucial for compliance.

© 2024 Your Company Name. All rights reserved. This calculator is for informational purposes only.

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A full chart library would be complex. // For this example, we'll draw basic bars/lines. // NOTE: A full native canvas chart is complex. This is a placeholder. // A more robust solution would involve SVG or a simplified drawing approach. // For demonstration, let's just draw simple shapes. // A real implementation would calculate positions, scales, etc. // This part is highly simplified and might not render a perfect chart. var chartWidth = canvas.clientWidth; var chartHeight = canvas.clientHeight; var maxValue = Math.max(annualEmissions, emissionsLimit, futureEmissionsLimit) * 1.1; // Add some padding if (maxValue === 0) maxValue = 100; // Avoid division by zero var scaleY = chartHeight / maxValue; // Draw X-axis ctx.beginPath(); ctx.moveTo(30, chartHeight – 30); ctx.lineTo(chartWidth – 30, chartHeight – 30); ctx.strokeStyle = '#ccc'; ctx.stroke(); ctx.fillText(complianceYear, chartWidth / 4, chartHeight – 10); ctx.fillText(futureYear, chartWidth * 3 / 4, chartHeight – 10); // Draw Y-axis ctx.beginPath(); ctx.moveTo(30, chartHeight – 30); ctx.lineTo(30, 30); ctx.strokeStyle = '#ccc'; ctx.stroke(); ctx.fillText(maxValue.toFixed(0), 5, 30); ctx.fillText('0', 25, chartHeight – 30); // Draw Emissions Line ctx.beginPath(); ctx.moveTo(chartWidth / 4, chartHeight – 30 – (annualEmissions * scaleY)); ctx.lineTo(chartWidth * 3 / 4, chartHeight – 30 – (annualEmissions * scaleY)); ctx.strokeStyle = 'rgba(40, 167, 69, 1)'; ctx.lineWidth = 2; ctx.stroke(); ctx.fillStyle = 'rgba(40, 167, 69, 0.2)'; ctx.fillRect(chartWidth / 4, chartHeight – 30 – (annualEmissions * scaleY), chartWidth / 2, annualEmissions * scaleY); // Draw Limit Line ctx.beginPath(); ctx.moveTo(chartWidth / 4, chartHeight – 30 – (emissionsLimit * scaleY)); ctx.lineTo(chartWidth * 3 / 4, chartHeight – 30 – (futureEmissionsLimit * scaleY)); ctx.strokeStyle = 'rgba(220, 53, 69, 1)'; ctx.lineWidth = 2; ctx.stroke(); ctx.fillStyle = 'rgba(220, 53, 69, 0.2)'; ctx.fillRect(chartWidth / 4, chartHeight – 30 – (emissionsLimit * scaleY), chartWidth / 4, emissionsLimit * scaleY); ctx.fillRect(chartWidth * 3 / 4, chartHeight – 30 – (futureEmissionsLimit * scaleY), chartWidth / 4, futureEmissionsLimit * scaleY); // Add labels ctx.fillStyle = '#333'; ctx.font = '12px Arial'; ctx.textAlign = 'center'; ctx.fillText('Current Emissions', chartWidth / 2, chartHeight – 30 – (annualEmissions * scaleY) – 5); ctx.fillText('Emissions Limit', chartWidth / 2, chartHeight – 30 – (emissionsLimit * scaleY) – 5); } function calculateLL97() { var buildingArea = parseFloat(getElement('buildingArea').value); var occupancyType = getElement('occupancyType').value; var yearBuilt = parseInt(getElement('yearBuilt').value); var energyConsumption = parseFloat(getElement('energyConsumption').value); var complianceYear = parseInt(getElement('complianceYear').value); var valid = true; valid = validateInput('buildingArea', 'buildingAreaError', 0) && valid; valid = validateInput('energyConsumption', 'energyConsumptionError', 0) && valid; valid = validateInput('yearBuilt', 'yearBuiltError', 0, new Date().getFullYear()) && valid; if (!valid) { getElement('primary-result').textContent = 'Invalid Input'; getElement('annualEmissions').textContent = '–'; getElement('emissionsLimit').textContent = '–'; getElement('emissionsIntensity').textContent = '–'; getElement('assumptionBuildingArea').textContent = '–'; getElement('assumptionOccupancyType').textContent = '–'; getElement('assumptionYearBuilt').textContent = '–'; getElement('assumptionComplianceYear').textContent = '–'; return; } // Emission Factors (tCO2e per kBtu) – These are approximate and can vary. // Using a blended factor for simplicity. More precise factors exist for electricity vs. gas. var emissionFactor = 0.0005; // Approximate blended factor for electricity and natural gas var annualEmissions = energyConsumption * emissionFactor; var annualEmissionsFormatted = annualEmissions.toFixed(2); var emissionsLimitPerSqft = 0; var limitTable = getElement('emissions-data-table').querySelector('table'); var rows = limitTable.querySelectorAll('tbody tr'); var headers = limitTable.querySelectorAll('thead th'); var occupancyColIndex = -1; var limit2024_2029ColIndex = -1; var limit2030PlusColIndex = -1; for (var i = 0; i < headers.length; i++) { if (headers[i].textContent.includes('Occupancy Type')) occupancyColIndex = i; if (headers[i].textContent.includes('2024-2029')) limit2024_2029ColIndex = i; if (headers[i].textContent.includes('2030+')) limit2030PlusColIndex = i; } for (var i = 0; i = 2030) { emissionsLimitPerSqft = parseFloat(cells[limit2030PlusColIndex].textContent); } else { emissionsLimitPerSqft = parseFloat(cells[limit2024_2029ColIndex].textContent); } break; } } // Fallback for 'Other' or if type not found exactly if (emissionsLimitPerSqft === 0) { if (complianceYear >= 2030) { emissionsLimitPerSqft = 0.021; // Default 2030+ for 'Other' } else { emissionsLimitPerSqft = 0.024; // Default 2024-2029 for 'Other' } } var emissionsLimit = emissionsLimitPerSqft * buildingArea; var emissionsIntensity = annualEmissions / buildingArea; var emissionsIntensityFormatted = emissionsIntensity.toFixed(4); var emissionsLimitFormatted = emissionsLimit.toFixed(2); var isCompliant = annualEmissions <= emissionsLimit; getElement('primary-result').textContent = isCompliant ? 'Compliant' : 'Non-Compliant'; getElement('primary-result').style.color = isCompliant ? 'var(–success-color)' : 'var(–error-color)'; getElement('annualEmissions').textContent = annualEmissionsFormatted; getElement('emissionsLimit').textContent = emissionsLimitFormatted; getElement('emissionsIntensity').textContent = emissionsIntensityFormatted; getElement('assumptionBuildingArea').textContent = buildingArea.toLocaleString(); getElement('assumptionOccupancyType').textContent = getElement('occupancyType').options[getElement('occupancyType').selectedIndex].text; getElement('assumptionYearBuilt').textContent = yearBuilt; getElement('assumptionComplianceYear').textContent = complianceYear; updateChart(annualEmissions, emissionsLimitPerSqft, buildingArea, complianceYear); } function resetCalculator() { getElement('buildingArea').value = '50000'; getElement('occupancyType').value = 'residential'; getElement('yearBuilt').value = '1980'; getElement('energyConsumption').value = '100000'; getElement('complianceYear').value = '2024'; getElement('buildingAreaError').textContent = ''; getElement('occupancyTypeError').textContent = ''; getElement('yearBuiltError').textContent = ''; getElement('energyConsumptionError').textContent = ''; getElement('complianceYearError').textContent = ''; getElement('primary-result').textContent = '–'; getElement('annualEmissions').textContent = '–'; getElement('emissionsLimit').textContent = '–'; getElement('emissionsIntensity').textContent = '–'; getElement('assumptionBuildingArea').textContent = '–'; getElement('assumptionOccupancyType').textContent = '–'; getElement('assumptionYearBuilt').textContent = '–'; getElement('assumptionComplianceYear').textContent = '–'; var canvas = getElement('emissionsChartCanvas'); var ctx = canvas.getContext('2d'); ctx.clearRect(0, 0, canvas.width, canvas.height); } function copyResults() { var resultsText = "LL97 Compliance Summary:\n"; resultsText += "Status: " + getElement('primary-result').textContent + "\n"; resultsText += "Estimated Annual Emissions: " + getElement('annualEmissions').textContent + " tCO2e\n"; resultsText += "Emissions Limit: " + getElement('emissionsLimit').textContent + " tCO2e\n"; resultsText += "Emissions Intensity: " + getElement('emissionsIntensity').textContent + " tCO2e/sqft\n\n"; resultsText += "Key Assumptions:\n"; resultsText += "Building Area: " + getElement('assumptionBuildingArea').textContent + "\n"; resultsText += "Occupancy Type: " + getElement('assumptionOccupancyType').textContent + "\n"; resultsText += "Year Built: " + getElement('assumptionYearBuilt').textContent + "\n"; resultsText += "Compliance Year: " + getElement('assumptionComplianceYear').textContent + "\n"; // Use a temporary textarea to copy text var textArea = document.createElement("textarea"); textArea.value = resultsText; textArea.style.position = "fixed"; textArea.style.left = "-9999px"; document.body.appendChild(textArea); textArea.focus(); textArea.select(); try { document.execCommand('copy'); alert('Results copied to clipboard!'); } catch (err) { console.error('Failed to copy: ', err); alert('Failed to copy results. Please copy manually.'); } document.body.removeChild(textArea); } // Initial calculation on page load document.addEventListener('DOMContentLoaded', function() { calculateLL97(); // Add event listeners for real-time updates var inputs = document.querySelectorAll('.loan-calc-container input, .loan-calc-container select'); inputs.forEach(function(input) { input.addEventListener('input', calculateLL97); input.addEventListener('change', calculateLL97); }); // FAQ toggles var faqQuestions = document.querySelectorAll('.faq-question'); faqQuestions.forEach(function(question) { question.addEventListener('click', function() { var answer = this.nextElementSibling; answer.classList.toggle('visible'); }); }); });

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