.vc-calc,.vc-calc *,.vc-calc :before,.vc-calc :after{box-sizing:border-box}.vc-calc{color:#0f172a;font-family:var(--font-body,"Inter", system-ui, sans-serif);background:#fff;border:1px solid #cbd5e1;border-radius:20px;font-size:16px;line-height:1.55;overflow:hidden;box-shadow:0 20px 45px -18px #0f172a1a,0 2px 6px #0f172a0a}.vc-calc .vc-top{background:linear-gradient(#f8fafc 0%,#fff 100%);border-bottom:1px solid #e2e8f0;padding:28px 32px 24px}.vc-calc .vc-eyebrow{text-transform:uppercase;letter-spacing:.08em;color:#1d4ed8;background:#eff6ff;border:1px solid #bfdbfe;border-radius:9999px;align-items:center;margin-bottom:12px;padding:4px 11px;font-size:11.5px;font-weight:700;display:inline-flex}.vc-calc .vc-top h2{font-family:var(--font-heading,"Outfit", sans-serif);color:#0f172a;margin:0 0 8px;font-weight:700;line-height:1.25;font-size:23px!important}.vc-calc .vc-top p{color:#475569;margin:0;font-size:15px;line-height:1.55}.vc-calc .vc-presets{flex-wrap:wrap;gap:8px;margin-top:18px;display:flex}.vc-calc .vc-preset-btn{appearance:none;color:#1e293b;cursor:pointer;background:#fff;border:1px solid #64748b;border-radius:9999px;padding:8px 14px;font-family:inherit;font-size:13.5px;font-weight:600;line-height:1.3;transition:background-color .18s,border-color .18s,color .18s,box-shadow .18s}.vc-calc .vc-preset-btn:hover{color:#0f172a;background:#f8fafc;border-color:#334155}.vc-calc .vc-preset-btn.active{color:#fff;background:#0f172a;border-color:#0f172a;box-shadow:0 4px 12px #0f172a2e}.vc-calc .vc-preset-btn:focus-visible,.vc-calc .vc-hmo-btn:focus-visible{outline-offset:2px;outline:2px solid #1d4ed8}.vc-calc .vc-hmo-bar{border-top:1px solid #e2e8f0;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:10px 16px;margin-top:16px;padding-top:16px;display:flex}.vc-calc .vc-hmo-lbl{color:#334155;font-size:13.5px;font-weight:600}.vc-calc .vc-hmo-pills{flex-wrap:wrap;gap:6px;display:flex}.vc-calc .vc-hmo-btn{appearance:none;color:#334155;cursor:pointer;background:#fff;border:1px solid #94a3b8;border-radius:9999px;padding:6px 12px;font-family:inherit;font-size:13px;font-weight:600;transition:background-color .15s,border-color .15s,color .15s}.vc-calc .vc-hmo-btn:hover{color:#0f172a;border-color:#475569}.vc-calc .vc-hmo-btn[aria-pressed=true]{color:#fff;background:#1d4ed8;border-color:#1d4ed8}.vc-calc .vc-body{padding:28px 32px 32px}.vc-calc .vc-inputs-grid{border:none;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;min-width:0;margin:0 0 22px;padding:0;display:grid}.vc-calc .vc-field{background:#f8fafc;border:1px solid #cbd5e1;border-radius:14px;min-width:0;padding:16px 18px;transition:border-color .15s,background-color .15s,box-shadow .15s}.vc-calc .vc-field:hover{background:#fff;border-color:#64748b}.vc-calc .vc-field:focus-within{background:#fff;border-color:#1d4ed8;box-shadow:0 0 0 3px #1d4ed826}.vc-calc .vc-field-head{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px 10px;margin-bottom:10px;display:flex}.vc-calc .vc-field-head label{color:#1e293b;cursor:pointer;overflow-wrap:break-word;hyphens:auto;min-width:0;font-size:14px;font-weight:600;line-height:1.35}.vc-calc .vc-num-wrap{background:#fff;border:1px solid #93c5fd;border-radius:9px;flex-shrink:0;align-items:center;gap:4px;max-width:100%;padding:3px 9px;display:inline-flex}.vc-calc .vc-num-wrap.is-neg{background:#fef2f2;border-color:#fca5a5}.vc-calc .vc-num-wrap.is-pos{background:#f0fdf4;border-color:#86efac}.vc-calc .vc-num-input{appearance:none;font-family:var(--font-heading,"Outfit", sans-serif);font-variant-numeric:tabular-nums;color:#1d4ed8;text-align:right;background:0 0;border:none;outline:none;width:9.5ch;min-width:0;padding:2px 0;font-size:15.5px;font-weight:700}.vc-calc .vc-num-input.w-short{width:5.2ch}.vc-calc .vc-num-unit{font-family:var(--font-heading,"Outfit", sans-serif);color:#1d4ed8;user-select:none;font-size:14.5px;font-weight:700}.vc-calc .vc-num-wrap.is-neg .vc-num-input,.vc-calc .vc-num-wrap.is-neg .vc-num-unit{color:#b91c1c}.vc-calc .vc-num-wrap.is-pos .vc-num-input,.vc-calc .vc-num-wrap.is-pos .vc-num-unit{color:#166534}.vc-calc .vc-range{-webkit-appearance:none;appearance:none;cursor:pointer;background:0 0;outline:none;width:100%;height:24px;margin:2px 0;display:block}.vc-calc .vc-range::-webkit-slider-runnable-track{background:linear-gradient(to right, #172554 0%, #172554 var(--pct,40%), #76869b var(--pct,40%), #76869b 100%);border-radius:9999px;height:6px}.vc-calc .vc-range::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;box-sizing:border-box;cursor:pointer;background:#fff;border:3px solid #1e3a8a;border-radius:50%;width:24px;height:24px;margin-top:-9px;transition:transform .12s,box-shadow .12s;box-shadow:0 2px 6px #0f172a38}.vc-calc .vc-range::-webkit-slider-thumb:hover{transform:scale(1.08);box-shadow:0 0 0 4px #1e3a8a29}.vc-calc .vc-range::-moz-range-track{background:linear-gradient(to right, #172554 0%, #172554 var(--pct,40%), #76869b var(--pct,40%), #76869b 100%);border-radius:9999px;height:6px}.vc-calc .vc-range::-moz-range-thumb{box-sizing:border-box;cursor:pointer;background:#fff;border:3px solid #1e3a8a;border-radius:50%;width:24px;height:24px;transition:transform .12s,box-shadow .12s;box-shadow:0 2px 6px #0f172a38}.vc-calc .vc-range::-moz-range-thumb:hover{transform:scale(1.08);box-shadow:0 0 0 4px #1e3a8a29}.vc-calc .vc-range:focus-visible{outline-offset:4px;border-radius:8px;outline:2px solid #1d4ed8}.vc-calc .vc-range:focus-visible::-webkit-slider-thumb{transform:scale(1.1);box-shadow:0 0 0 3px #fff,0 0 0 6px #1d4ed8}.vc-calc .vc-range:focus-visible::-moz-range-thumb{transform:scale(1.1);box-shadow:0 0 0 3px #fff,0 0 0 6px #1d4ed8}.vc-calc .vc-hint{color:#475569;font-variant-numeric:tabular-nums;margin-top:6px;font-size:12.5px;line-height:1.4;display:block}.vc-calc .vc-hint.is-warn{color:#b91c1c;font-weight:600}.vc-calc .vc-risks-wrap{border:none;min-width:0;margin:0 0 26px;padding:0}.vc-calc .vc-risks-heading{text-transform:uppercase;letter-spacing:.06em;color:#475569;margin-bottom:10px;padding:0;font-size:12px;font-weight:700;display:block}.vc-calc .vc-risks-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;display:grid}.vc-calc .vc-risk-card{cursor:pointer;color:#334155;background:#f8fafc;border:1px solid #cbd5e1;border-radius:14px;align-items:flex-start;gap:10px;min-width:0;padding:14px 15px;font-size:13px;line-height:1.4;transition:border-color .15s,background-color .15s,color .15s,box-shadow .15s;display:flex}.vc-calc .vc-risk-card:hover{background:#fff;border-color:#64748b}.vc-calc .vc-risk-card.is-checked,.vc-calc .vc-risk-card:has(input:checked){color:#881337;background:#fff1f2;border-color:#e11d48}.vc-calc .vc-risk-card.is-checked:hover,.vc-calc .vc-risk-card:has(input:checked):hover{color:#881337;background:#ffe4e6;border-color:#be123c}.vc-calc .vc-risk-card input{accent-color:#e11d48;cursor:pointer;flex-shrink:0;width:20px;height:20px;margin-top:1px}.vc-calc .vc-risk-card input:focus-visible{outline-offset:2px;outline:2px solid #1d4ed8}.vc-calc .vc-risk-card:has(input:focus-visible){box-shadow:0 0 0 3px #1d4ed838}.vc-calc .vc-risk-title{color:inherit;margin-bottom:2px;font-size:13.5px;font-weight:700;display:block}.vc-calc .vc-hero-result{color:#fff;background:linear-gradient(135deg,#0f172a 0%,#1e293b 100%);border-radius:16px;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);align-items:center;gap:24px;margin-bottom:16px;padding:24px 28px;display:grid;box-shadow:0 12px 28px -12px #0f172a66}.vc-calc .vc-hero-label{text-transform:uppercase;letter-spacing:.07em;color:#cbd5e1;margin-bottom:6px;font-size:12px;font-weight:700}.vc-calc .vc-hero-value{font-family:var(--font-heading,"Outfit", sans-serif);font-variant-numeric:tabular-nums;color:#4ade80;font-size:clamp(24px,3.2vw,32px);font-weight:800;line-height:1.15;display:block}.vc-calc .vc-hero-value.is-warn{color:#fcd34d}.vc-calc .vc-hero-badge{font-variant-numeric:tabular-nums;color:#fcd34d;background:#fbbf242e;border-radius:10px;max-width:100%;margin-top:8px;padding:5px 12px;font-size:13px;font-weight:700;line-height:1.35;display:inline-block}.vc-calc .vc-hero-badge.is-clean{color:#4ade80;background:#4ade8029}.vc-calc .vc-hero-badge.is-floored{color:#e2e8f0;background:#94a3b838}.vc-calc .vc-hero-desc{color:#e2e8f0;font-variant-numeric:tabular-nums;border-left:2px solid #94a3b859;margin:0;padding-left:20px;font-size:14.5px;line-height:1.6}.vc-calc .vc-kpi-row{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-bottom:30px;display:grid}.vc-calc .vc-kpi-card{background:#f8fafc;border:1px solid #cbd5e1;border-radius:14px;min-width:0;padding:16px 18px}.vc-calc .vc-kpi-title{text-transform:uppercase;letter-spacing:.05em;color:#475569;margin-bottom:6px;font-size:11.5px;font-weight:700}.vc-calc .vc-kpi-num{font-family:var(--font-heading,"Outfit", sans-serif);font-variant-numeric:tabular-nums;color:#0f172a;font-size:clamp(18px,2.2vw,22px);font-weight:800;line-height:1.2;display:block}.vc-calc .vc-kpi-num.kpi-green{color:#166534}.vc-calc .vc-kpi-num.kpi-blue{color:#1d4ed8}.vc-calc .vc-kpi-num.kpi-teal{color:#0f766e}.vc-calc .vc-kpi-sub{color:#475569;font-variant-numeric:tabular-nums;margin-top:4px;font-size:12.5px;line-height:1.4}.vc-calc .vc-table-block{border-top:1px solid #e2e8f0;padding-top:26px}.vc-calc .vc-table-block h3{font-family:var(--font-heading,"Outfit", sans-serif);color:#0f172a;margin:0 0 6px;font-weight:700;font-size:19px!important}.vc-calc .vc-table-block p{color:#475569;margin:0 0 16px;font-size:14px;line-height:1.5}.vc-calc .vc-table-card{-webkit-overflow-scrolling:touch;background:#fff;border:1px solid #cbd5e1;border-radius:14px;overflow-x:auto;box-shadow:0 1px 3px #0f172a08}.vc-calc .vc-table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%;margin:0;font-size:14px}.vc-calc .vc-table thead th{color:#334155;text-transform:uppercase;letter-spacing:.05em;text-align:left;background:#f1f5f9;border-bottom:1px solid #cbd5e1;padding:13px 16px;font-size:11.5px;font-weight:700}.vc-calc .vc-table thead th.num,.vc-calc .vc-table tbody td.num{text-align:right;white-space:nowrap}.vc-calc .vc-table tbody tr{border-bottom:1px solid #e2e8f0;transition:background-color .12s}.vc-calc .vc-table tbody tr:last-child{border-bottom:none}.vc-calc .vc-table tbody tr.is-current{background:#f8fafc;box-shadow:inset 3px 0 #2563eb}.vc-calc .vc-table tbody tr:hover{background:#f8fafc}.vc-calc .vc-table tbody th[scope=row],.vc-calc .vc-table tbody td{color:#1e293b;vertical-align:middle;text-align:left;padding:14px 16px;font-weight:400}.vc-calc .vc-table tbody th[scope=row]{color:#0f172a;font-weight:700}.vc-calc .vc-mob-lbl{display:none}.vc-calc .vc-pill{white-space:nowrap;border-radius:9999px;align-items:center;padding:4px 11px;font-size:12.5px;font-weight:700;display:inline-flex}.vc-calc .vc-pill-slate{color:#1e293b;background:#f1f5f9;border:1px solid #cbd5e1}.vc-calc .vc-pill-dark{color:#fff;background:#0f172a;border:1px solid #0f172a}.vc-calc .vc-pill-green{color:#166534;background:#f0fdf4;border:1px solid #bbf7d0}.vc-calc .vc-pill-blue{color:#1d4ed8;background:#eff6ff;border:1px solid #bfdbfe}.vc-calc .sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}@media screen and (width<=1039px){.vc-calc .vc-risks-grid{grid-template-columns:1fr;gap:10px}}@media screen and (width<=780px){.vc-calc{border-radius:16px}.vc-calc .vc-top{padding:20px 18px 18px}.vc-calc .vc-eyebrow{letter-spacing:.05em;border-radius:10px;font-size:10.5px}.vc-calc .vc-top h2{font-size:20px!important}.vc-calc .vc-top p{font-size:14px}.vc-calc .vc-body{padding:18px}.vc-calc .vc-presets,.vc-calc .vc-hmo-pills{flex-direction:column;gap:6px;width:100%}.vc-calc .vc-preset-btn,.vc-calc .vc-hmo-btn{text-align:left;border-radius:10px;width:100%;padding:10px 14px;font-size:13.5px}.vc-calc .vc-inputs-grid{grid-template-columns:1fr;gap:12px}.vc-calc .vc-field{padding:14px 15px}.vc-calc .vc-hero-result{grid-template-columns:1fr;gap:14px;padding:20px 18px}.vc-calc .vc-hero-value{font-size:clamp(24px,7vw,28px)}.vc-calc .vc-hero-desc{border-top:1px solid #94a3b840;border-left:none;padding-top:12px;padding-left:0;font-size:14px}.vc-calc .vc-kpi-row{grid-template-columns:1fr;gap:10px}.vc-calc .vc-kpi-card{padding:14px 16px}.vc-calc .vc-table-card{box-shadow:none;background:0 0;border:none;overflow:visible}.vc-calc .vc-table,.vc-calc .vc-table tbody{width:100%;display:block}.vc-calc .vc-table thead{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.vc-calc .vc-table tbody tr{background:#fff;border:1px solid #cbd5e1;border-radius:14px;margin-bottom:10px;padding:14px 16px;display:block;box-shadow:0 2px 5px #0f172a0a}.vc-calc .vc-table tbody tr.is-current{background:#f8fafc;border-color:#60a5fa;box-shadow:inset 3px 0 #2563eb}.vc-calc .vc-table tbody th[scope=row]{border-bottom:1px solid #e2e8f0;margin-bottom:4px;padding:0 0 9px;font-size:15px;display:block;text-align:left!important}.vc-calc .vc-table tbody td{border:none;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:6px 10px;padding:6px 0;font-size:14px;display:flex;text-align:right!important;white-space:normal!important}.vc-calc .vc-mob-lbl{color:#475569;text-align:left;min-width:0;font-size:13px;font-weight:600;display:inline}.vc-calc .vc-cell-val,.vc-calc .vc-pill{text-align:right;margin-left:auto}.vc-calc .vc-table tbody td.desc-cell{color:#334155;border-top:1px dashed #cbd5e1;flex-direction:column;align-items:flex-start;gap:3px;margin-top:4px;padding-top:8px;font-size:13.5px;line-height:1.45;text-align:left!important}.vc-calc .vc-table tbody td.desc-cell .vc-mob-lbl{text-transform:uppercase;letter-spacing:.05em;font-size:11px}.vc-calc .vc-table tbody td.desc-cell .vc-cell-val{text-align:left;margin-left:0}}@media (forced-colors:active){.vc-calc .vc-range{-webkit-appearance:auto;appearance:auto}.vc-calc .vc-range::-webkit-slider-runnable-track,.vc-calc .vc-range::-moz-range-track{background:canvas;border:1px solid buttontext}.vc-calc .vc-range::-webkit-slider-thumb,.vc-calc .vc-range::-moz-range-thumb{background:highlight;border:2px solid buttontext}.vc-calc .vc-preset-btn.active,.vc-calc .vc-hmo-btn[aria-pressed=true]{forced-color-adjust:none;color:highlighttext;background:highlight;border-color:highlight}}@media (prefers-reduced-motion:reduce){.vc-calc *,.vc-calc :before,.vc-calc :after{transition:none!important}}@media print{.vc-calc{box-shadow:none!important;border:1px solid #0f172a!important;overflow:visible!important}.vc-calc .vc-presets,.vc-calc .vc-hmo-bar,.vc-calc .vc-range{display:none!important}.vc-calc .vc-risks-grid{grid-template-columns:1fr!important}.vc-calc .vc-hero-result{break-inside:avoid;color:#0f172a!important;box-shadow:none!important;background:#fff!important;border:2px solid #0f172a!important}.vc-calc .vc-hero-label{color:#334155!important}.vc-calc .vc-hero-value{color:#166534!important}.vc-calc .vc-hero-value.is-warn{color:#92400e!important}.vc-calc .vc-hero-badge{color:#0f172a!important;background:0 0!important;border:1px solid #0f172a!important}.vc-calc .vc-hero-desc{color:#0f172a!important;border-left-color:#94a3b8!important}.vc-calc .vc-pill-dark{color:#0f172a!important;background:0 0!important;border:1.5px solid #0f172a!important}.vc-calc .vc-table-card{box-shadow:none!important;border-color:#0f172a!important;overflow:visible!important}.vc-calc .vc-table thead th,.vc-calc .vc-table tbody th[scope=row],.vc-calc .vc-table tbody td{padding:8px 10px!important;font-size:12px!important}.vc-calc .vc-field,.vc-calc .vc-kpi-card,.vc-calc .vc-table tr{break-inside:avoid;page-break-inside:avoid}}.cornerstone-article[data-astro-cid-tf67tbp6]{overflow-wrap:break-word;hyphens:auto;max-width:800px;margin:0 auto;padding:1.5rem 0}.cornerstone-article[data-astro-cid-tf67tbp6] h1[data-astro-cid-tf67tbp6]{color:var(--text-main);margin-bottom:1.5rem;font-size:clamp(1.65rem,5.2vw,2.5rem);line-height:1.2}.cornerstone-article[data-astro-cid-tf67tbp6] h2[data-astro-cid-tf67tbp6]{color:var(--text-main);margin:2.5rem 0 1rem;font-size:clamp(1.3rem,4vw,1.75rem)}.cornerstone-article[data-astro-cid-tf67tbp6] a[data-astro-cid-tf67tbp6]{text-underline-offset:2px;text-decoration:underline}.cornerstone-article[data-astro-cid-tf67tbp6] nav[data-astro-cid-tf67tbp6][aria-label=Murupolku] a[data-astro-cid-tf67tbp6]{text-decoration:none}.meta-label[data-astro-cid-tf67tbp6]{color:var(--text-main);font-weight:600}.calc-breakout[data-astro-cid-tf67tbp6]{margin:2.5rem 0}.method-box[data-astro-cid-tf67tbp6]{border-left:4px solid var(--primary-color);background:#f8fafc;border-radius:0 .5rem .5rem 0;margin-bottom:2.75rem;padding:clamp(1.15rem,3.5vw,1.5rem)}.method-box[data-astro-cid-tf67tbp6] h2[data-astro-cid-tf67tbp6]{color:var(--text-main);margin:0 0 .5rem;font-size:1.1rem}.formula-box[data-astro-cid-tf67tbp6]{border:1px solid var(--border-color);background:#f8fafc;border-radius:.5rem;margin:1.75rem 0;padding:clamp(1.15rem,3.5vw,1.5rem);font-family:monospace;font-size:.92rem}.formula-title[data-astro-cid-tf67tbp6]{color:var(--text-main);font-weight:700;font-family:var(--font-body);margin-bottom:.85rem}.formula-key-blue[data-astro-cid-tf67tbp6]{color:var(--primary-color);font-weight:600}.formula-key-sky[data-astro-cid-tf67tbp6]{color:#0369a1;font-weight:600}.formula-key-green[data-astro-cid-tf67tbp6]{color:#15803d;font-weight:600}.ref-table-wrap[data-astro-cid-tf67tbp6]{border:1px solid var(--border-color);-webkit-overflow-scrolling:touch;background:#fff;border-radius:.65rem;margin:1.75rem 0 2rem;overflow-x:auto}.ref-table[data-astro-cid-tf67tbp6]{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%;font-size:.93rem}.ref-table[data-astro-cid-tf67tbp6] caption[data-astro-cid-tf67tbp6]{text-align:left;color:var(--text-main);border-bottom:1px solid var(--border-color);background:#f8fafc;padding:.85rem 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