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@Tenderloin
On our cost breakdown there is a line item for overheads and profit @ a fixed percent. Fine not an issue get businesses have to operate this way. But this is done on the total cost of the construction so things like taps are price + 15% + 20% - which makes it more expensive than if I just went and bought them. Presumably thats fine?
Secondly insulation and underfloor heating can be charged at 5% VAT I think (for materials and fitting)?