diff --git a/state/NOTES.md b/state/NOTES.md
index 37fc86d..12a6266 100644
--- a/state/NOTES.md
+++ b/state/NOTES.md
@@ -35,3 +35,24 @@ Credentials live OUTSIDE this repo (local claudetemp, never commit them).
 - Weather per site: Weather/Weather.aspx?site=UDRO|SSO|DSC|SRO|AC|EYE.
 - Account: Plan-40 (GBP 32.00 per 28 days), renewal 12 Aug 2026, subscribed
   since Apr 2019, balance 2,638 points at recon time.
+
+## Rate card (2026-07-18, points per imaging hour, billed per minute)
+
+Extracted from MyAccount/UpdatePlan.aspx: each scope row carries
+data-default-rate (dark-of-moon base); effective rate = base x (1 -
+AccessDiscount from DataService GetMyAvailablePlans) x (1 - moon discount,
+server-side table keyed on illumination, not extracted yet). Plan-40 discount
+is 10% on most scopes, 20% on a few, 0% on the newest (T25, T26, T73, T74).
+
+Plan-40 rates before moon discount: T2 50, T5 68, T8 130, T10 146, T11 161,
+T14 97, T17 135, T18 81, T20 89, T21 76, T24 186, T25 322, T26 394, T30 161,
+T32 146, T33 0 (free), T59 80, T68 0 (free), T70 119, T71 106, T72 202,
+T73 224, T74 295, T75 202, T80 119.
+
+Standouts: T59 at 80/hr is the value big scope (20" CDK, square 37 arcmin
+field, 900 s subs); T5 at 68/hr the cheapest paid; T26 at 394/hr the dearest.
+Billing is per minute of imaging (exposure) time, so overhead is not billed.
+Paid imaging needs no reservation when a scope is idle: same walk-in ACP flow
+as the free scopes, points just deduct. Reservations (to guarantee a slot) go
+through lookup.itelescope.online, which is Cloudflare-protected: Playwright
+needed.