So when im saying 15 to 20 pages in total u need to assume that i will send u more than that number if require like i explained for "How it works" page.
Now for this part (psd to html/css conversion) my budget is around 120 to 150USD. I would love if u can do the rest of the part under negotiation coz if someone start from the html/comversion to till the complete functional system then i blv the complete functional site will take less time to bing in the market.
Btw before i award u the project i will ask u to do the homepage so that i can see ur coding stander. I need fresh clean and descriptive coding so that in future i dont find any difficulty to update the design..