Deepak Rai is the founder of PanelMath (panelmath.com), an independent solar payback calculator for US homeowners. PanelMath uses NREL PVWatts production data, EIA retail rates, and current federal + state incentives to compute honest payback periods - with no installer affiliation and full methodology published. Deepak can speak to residential solar economics, state-by-state incentive stacking, NEM 3.0 impact in California, utility net-metering differences, and the lease-vs-buy math.