Dear Henry,
The cost categories in SAM are general categories that you can use to organize your cost analysis in whatever way works best for your work. The "installer margin and overhead" category is part of the direct capital costs,
and might include either the EPC overhead cost or developer overhead cost.
The total installed cost is the value that gets passed to SAM's cash flow model, so you should make sure that its value is what you intend it to be.
Best regards,
Paul.