“…Planners need to be aware of the timing, nature, and permanence of BMP costs. The ACPF FiNRT annualizes total costs over a 20‐yr timeframe, which, while useful for comparative analysis (Tyndall & Roesch, 2014), can mask fundamental differences in the timing of BMP costs (Janke et al., 2021). Cover crops featured in S1 are annual expenditures, whereas the nutrient removal wetlands, bioreactors, and saturated buffers featured in S2 all have significant upfront costs associated with design, site preparation, structural materials, and establishment.…”