Occupancy schedules and time of day significantly impact the cooling load, as they influence the amount of heat gain and loss through the building envelope. To account for occupancy schedules and time of day, you can use various methods, including the bin method or the heat gain calculation method. These methods involve estimating the heat gain and loss during different periods of the day and adjusting the cooling load accordingly. For example, a building with a high occupancy rate during the day may require a higher cooling load than one with a low occupancy rate at night.