');mask-image:url('data:image/svg+xml;utf8, ');transform:translate(calc(var(--ids_size_general_28x) / -2)) translate(var(--slider-percent));-webkit-transition:box-shadow .2s linear;transition:box-shadow .2s linear;width:var(--ids_size_general_28x)}.ids-slider[_ngcontent-amk-c10]::-moz-range-thumb{appearance:none;background-color:var(--ids_color_action_primary_base);border:0;cursor:pointer;height:2.125rem;margin-top:calc(var(--ids_spacing_1x) + var(--ids_size_general_8x));mask-image:url('data:image/svg+xml;utf8, ');transform:translate(calc(var(--ids_size_general_28x) / -2)) translate(var(--slider-percent));-moz-transition:box-shadow .2s linear;transition:box-shadow .2s linear;width:var(--ids_size_general_28x);transform:translateY(calc(.8125rem + var(--ids_size_general_8x) + var(--ids_spacing_1x))) translate(calc(var(--ids_size_general_28x) / -2)) translate(var(--slider-percent))}.ids-slider[_ngcontent-amk-c10]:active::-webkit-slider-thumb, .ids-slider[_ngcontent-amk-c10]:focus::-webkit-slider-thumb, .ids-slider[_ngcontent-amk-c10]:hover::-webkit-slider-thumb{background-color:var(--ids_color_action_primary_variant);outline:0}.ids-slider[_ngcontent-amk-c10]:active::-moz-range-thumb, .ids-slider[_ngcontent-amk-c10]:focus::-moz-range-thumb, .ids-slider[_ngcontent-amk-c10]:hover::-moz-range-thumb{background-color:var(--ids_color_action_primary_variant)}.ids-slider[_ngcontent-amk-c10]:disabled{--slider-color-primary: ids_color_action_disabled_variant;pointer-events:none}.ids-slider[_ngcontent-amk-c10]:disabled::-moz-range-thumb{box-shadow:none}.ids-slider[_ngcontent-amk-c10]:disabled::-webkit-slider-thumb{box-shadow:none}.ids-slider[_ngcontent-amk-c10]:disabled:focus, .ids-slider[_ngcontent-amk-c10]:disabled:active, .ids-slider[_ngcontent-amk-c10]:disabled:hover{color:transparent}.ids-slider[_ngcontent-amk-c10]:disabled.ids-slider--light{opacity:.6}.ids-slider[_ngcontent-amk-c10] + .ids-slider-range[_ngcontent-amk-c10]{margin-top:calc(var(--ids_size_general_24x) * -1);transform:translateY(calc(-1 * calc(calc(2.125rem + var(--ids_spacing_1x)) + var(--ids_size_general_8x)) - var(--ids_spacing_2x)))}.ids-tag[_ngcontent-amk-c10]{background-color:var(--ids_color_feedback_neutral);border:var(--ids_size_border_small) solid var(--ids_color_feedback_neutral);border-radius:var(--ids_size_cornerRadius_tags_01);box-sizing:border-box;color:var(--ids_color_feedback_neutral_contrast);display:inline-block;font:var(--ids_textStyle_f02_s14_h20_wrg);min-height:var(--ids_size_general_20x);padding:var(--ids_size_general_1x) var(--ids_spacing_2x);vertical-align:baseline;white-space:nowrap}.ids-tag.-on-brand[_ngcontent-amk-c10]{background-color:var(--ids_color_contrast_onBrand_primary);border-color:var(--ids_color_contrast_onBrand_primary);color:var(--ids_color_feedback_neutral)}.ids-tag.-error[_ngcontent-amk-c10]{background-color:var(--ids_color_feedback_error);border-color:var(--ids_color_feedback_error);color:var(--ids_color_feedback_error_contrast)}.ids-tag.-warning[_ngcontent-amk-c10]{background-color:var(--ids_color_feedback_alert);border-color:var(--ids_color_feedback_alert);color:var(--ids_color_feedback_alert_contrast)}.ids-tag.-success[_ngcontent-amk-c10]{background-color:var(--ids_color_feedback_success);border-color:var(--ids_color_feedback_success);color:var(--ids_color_feedback_success_contrast)}.ids-tag.-outline[_ngcontent-amk-c10]{background-color:transparent;border-color:currentcolor;color:var(--ids_color_feedback_neutral)}.ids-tag.-outline.-on-brand[_ngcontent-amk-c10]{color:var(--ids_color_contrast_onBrand_primary)}.ids-tag.-outline.-error[_ngcontent-amk-c10]{color:var(--ids_color_feedback_error)}.ids-tag.-outline.-warning[_ngcontent-amk-c10]{color:var(--ids_color_feedback_alert)}.ids-tag.-outline.-success[_ngcontent-amk-c10]{color:var(--ids_color_feedback_success)}.ids-overlay[_ngcontent-amk-c10]{align-items:center;display:flex;height:100vh;justify-content:center;left:0;position:fixed;top:0;width:100vw;z-index:1001}.ids-backdrop[_ngcontent-amk-c10]{background-color:var(--ids_color_action_neutral_variant_medium);display:flex;height:100vh;left:0;position:fixed;top:0;width:100vw}.ids-backdrop.-no-bg[_ngcontent-amk-c10]{background-color:transparent}.ids-backdrop.-no-bg[_ngcontent-amk-c10] + *[_ngcontent-amk-c10] .ids-modal-wrapper[_ngcontent-amk-c10]{max-height:initial}.ids-backdrop.-no-bg[_ngcontent-amk-c10] + *[_ngcontent-amk-c10] .ids-modal-wrapper[_ngcontent-amk-c10] > .ids-container-fluid[_ngcontent-amk-c10]{padding:0}.ids-tooltip-wrapper.-click[_ngcontent-amk-c10] > *[aria-expanded=true][_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[_ngcontent-amk-c10] > *[_ngcontent-amk-c10]:focus:not([aria-expanded=false]) .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[aria-expanded=true][_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[_ngcontent-amk-c10]:focus:not([aria-expanded=false]) .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:hover:not(.-click) .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:focus-visible:not(.-click) .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:not(.-click) > *[_ngcontent-amk-c10]:hover .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:not(.-click) > *[_ngcontent-amk-c10]:focus-visible .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[_ngcontent-amk-c10] > *[aria-expanded=true][_ngcontent-amk-c10] + .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[_ngcontent-amk-c10] > *[_ngcontent-amk-c10]:focus:not([aria-expanded=false]) + .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[aria-expanded=true][_ngcontent-amk-c10] + .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[_ngcontent-amk-c10]:focus:not([aria-expanded=false]) + .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:hover:not(.-click) + .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:focus-visible:not(.-click) + .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:not(.-click) > *[_ngcontent-amk-c10]:hover + .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:not(.-click) > *[_ngcontent-amk-c10]:focus-visible + .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[_ngcontent-amk-c10] > *[aria-expanded=true][_ngcontent-amk-c10] + *[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[_ngcontent-amk-c10] > *[_ngcontent-amk-c10]:focus:not([aria-expanded=false]) + *[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[aria-expanded=true][_ngcontent-amk-c10] + *[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper.-click[_ngcontent-amk-c10]:focus:not([aria-expanded=false]) + *[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:hover:not(.-click) + *[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:focus-visible:not(.-click) + *[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:not(.-click) > *[_ngcontent-amk-c10]:hover + *[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10]:not(.-click) > *[_ngcontent-amk-c10]:focus-visible + *[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10]{opacity:1;pointer-events:auto}.ids-tooltip-wrapper[_ngcontent-amk-c10]{position:relative}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip[_ngcontent-amk-c10]{bottom:100%;left:50%;opacity:0;pointer-events:none;position:absolute;transform:translate(-50%);white-space:nowrap;z-index:1}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--end[_ngcontent-amk-c10]{left:auto;right:calc(50% - var(--ids_size_general_10x))}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--start[_ngcontent-amk-c10]{left:calc(50% - var(--ids_size_general_10x))}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--bottom[_ngcontent-amk-c10]{bottom:auto;top:100%}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--left[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--right[_ngcontent-amk-c10]{bottom:50%;transform:translateY(50%)}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--left.ids-tooltip--start[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--right.ids-tooltip--start[_ngcontent-amk-c10]{bottom:auto;top:calc(50% - var(--ids_size_general_10x))}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--left[_ngcontent-amk-c10]{left:auto;right:100%}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--right[_ngcontent-amk-c10]{left:100%}.ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--end[_ngcontent-amk-c10], .ids-tooltip-wrapper[_ngcontent-amk-c10] .ids-tooltip--start[_ngcontent-amk-c10]{transform:initial}.ids-motion-pattern-fade-in-down[_ngcontent-amk-c10], .ids-motion-pattern-fade-in-up[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_slow_01);animation-timing-function:var(--ids_motion_easing_effective_decelerate_standard)}.ids-motion-pattern-fade-out-down[_ngcontent-amk-c10], .ids-motion-pattern-fade-out-up[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_fast_03);animation-timing-function:var(--ids_motion_easing_effective_accelerate_standard)}@keyframes _ngcontent-amk-c10_fade-in{0%{opacity:var(--ids_motion_opacity_0)}to{opacity:var(--ids_motion_opacity_100)/100}}@keyframes _ngcontent-amk-c10_fade-out{0%{opacity:var(--ids_motion_opacity_100)/100}to{opacity:var(--ids_motion_opacity_0)}}@keyframes _ngcontent-amk-c10_up-initial{0%{transform:translateY(100%)}to{transform:translateY(0)}}@keyframes _ngcontent-amk-c10_down-initial{0%{transform:translateY(-100%)}to{transform:translateY(0)}}@keyframes _ngcontent-amk-c10_initial-up{0%{transform:translateY(0)}to{transform:translateY(-100%)}}@keyframes _ngcontent-amk-c10_initial-down{0%{transform:translateY(0)}to{transform:translateY(100%)}}.ids-motion-pattern-fade-in[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_fast_02);animation-name:_ngcontent-amk-c10_fade-in;animation-timing-function:var(--ids_motion_easing_effective_decelerate_standard)}.ids-motion-pattern-fade-in-up[_ngcontent-amk-c10]{animation-name:_ngcontent-amk-c10_fade-in,_ngcontent-amk-c10_up-initial}.ids-motion-pattern-fade-in-down[_ngcontent-amk-c10]{animation-name:_ngcontent-amk-c10_fade-in,_ngcontent-amk-c10_down-initial}.ids-motion-pattern-fade-in-slow[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_moderate_02);animation-name:_ngcontent-amk-c10_fade-in;animation-timing-function:var(--ids_motion_easing_effective_decelerate_standard)}.ids-motion-pattern-fade-out[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_fast_02);animation-name:_ngcontent-amk-c10_fade-out;animation-timing-function:var(--ids_motion_easing_effective_accelerate_standard)}.ids-motion-pattern-fade-out-up[_ngcontent-amk-c10]{animation-name:_ngcontent-amk-c10_fade-out,_ngcontent-amk-c10_initial-up}.ids-motion-pattern-fade-out-down[_ngcontent-amk-c10]{animation-name:_ngcontent-amk-c10_fade-out,_ngcontent-amk-c10_initial-down}.ids-motion-pattern-fade-out-slow[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_moderate_02);animation-name:_ngcontent-amk-c10_fade-out;animation-timing-function:var(--ids_motion_easing_effective_accelerate_standard)}@keyframes _ngcontent-amk-c10_scale-up{0%{transform:scale(var(--ids_motion_scale_0))}to{transform:scale(var(--ids_motion_scale_100)/100)}}@keyframes _ngcontent-amk-c10_scale-down{0%{transform:scale(var(--ids_motion_scale_100)/100)}to{transform:scale(var(--ids_motion_scale_0))}}.ids-motion-pattern-scale-up[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_fast_03);animation-name:_ngcontent-amk-c10_scale-up;animation-timing-function:var(--ids_motion_easing_effective_decelerate_standard)}.ids-motion-pattern-scale-up-bouncing[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_moderate_02);animation-name:_ngcontent-amk-c10_scale-up;animation-timing-function:var(--ids_motion_easing_vivid_decelerate_back)}.ids-motion-pattern-scale-down[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_fast_03);animation-name:_ngcontent-amk-c10_scale-down;animation-timing-function:var(--ids_motion_easing_effective_accelerate_standard)}.ids-motion-pattern-scale-down-bouncing[_ngcontent-amk-c10]{animation-duration:var(--ids_motion_time_moderate_02);animation-name:_ngcontent-amk-c10_scale-down;animation-timing-function:var(--ids_motion_easing_vivid_accelerate_back)}.ids-motion-pattern-shake[_ngcontent-amk-c10]{animation-delay:0s,var(--ids_motion_time_fast_03),calc(var(--ids_motion_time_fast_03) + var(--ids_motion_time_fast_02));animation-duration:var(--ids_motion_time_fast_03),var(--ids_motion_time_fast_02),var(--ids_motion_time_fast_02);animation-name:_ngcontent-amk-c10_move-right,_ngcontent-amk-c10_move-left,_ngcontent-amk-c10_move-back;animation-timing-function:var(--ids_motion_easing_effective_standard)}@keyframes _ngcontent-amk-c10_move-right{0%{transform:translate(0)}to{transform:translate(var(--ids_size_general_10x))}}@keyframes _ngcontent-amk-c10_move-left{0%{transform:translate(var(--ids_size_general_10x))}to{transform:translate(-11px)}}@keyframes _ngcontent-amk-c10_move-back{0%{transform:translate(-11px)}to{transform:translate(0)}}.ids-likert-item[_ngcontent-amk-c10]{align-items:center;background:none;border:none;color:var(--ids_color_action_neutral_base);cursor:pointer;display:flex;flex:1;flex-direction:column;font:var(--ids_textStyle_f02_s14_h20_wrg);padding:0 var(--ids_size_general_6x);position:relative}.ids-likert-item__face[_ngcontent-amk-c10]{box-sizing:border-box;height:1.5rem;margin-bottom:var(--ids_size_general_8x);position:relative;width:auto}.ids-likert-item--selected[_ngcontent-amk-c10]{font:var(--ids_textStyle_f02_s14_h20_wbd)}.ids-likert-item--selected[_ngcontent-amk-c10]:before{background-color:#000;border-radius:50%;box-sizing:border-box;content:"";display:block;height:1.75rem;position:absolute;top:-.125rem;width:1.75rem}.ids-likert-item--on-brand[_ngcontent-amk-c10]{color:var(--ids_color_contrast_onBrand_primary)}.ids-likert-item--on-brand.ids-likert-item--selected[_ngcontent-amk-c10] .ids-likert-item__face[_ngcontent-amk-c10]{border-color:var(--ids_color_contrast_onBrand_primary)}.ids-likert-item[_ngcontent-amk-c10]:hover{font:var(--ids_textStyle_f02_s14_h20_wbd)}.ids-likert[_ngcontent-amk-c10]{border:0;color:var(--ids_color_text_body_01);display:block;margin:0;overflow:hidden;padding:0}.ids-likert__list[_ngcontent-amk-c10]{display:flex;justify-content:space-around;margin:var(--ids_size_general_28x) 0}.ids-likert--on-brand[_ngcontent-amk-c10] .ids-label[_ngcontent-amk-c10]{color:var(--ids_color_contrast_onBrand_primary)}.ids-icon[_ngcontent-amk-c10], .ids-icon[_nghost-amk-c10]{align-items:center;color:inherit;display:inline-flex;flex-direction:column;flex-shrink:0;font:var(--ids_textStyle_icon_medium);font-feature-settings:"liga";-webkit-font-smoothing:antialiased;font-style:normal;font-variant-ligatures:discretionary-ligatures;justify-content:center;letter-spacing:0;min-height:var(--ids_size_general_24x);min-width:var(--ids_size_general_24x);text-rendering:optimizelegibility;text-transform:initial}.ids-icon--primary[_ngcontent-amk-c10], .ids-icon--primary[_nghost-amk-c10]{color:var(--ids_color_action_primary_base)}.ids-icon--neutral[_ngcontent-amk-c10], .ids-icon--neutral[_nghost-amk-c10]{color:var(--ids_color_action_neutral_base)}.ids-icon--success[_ngcontent-amk-c10], .ids-icon--success[_nghost-amk-c10]{color:var(--ids_color_feedback_success)}.ids-icon--alert[_ngcontent-amk-c10], .ids-icon--alert[_nghost-amk-c10]{color:var(--ids_color_feedback_alert)}.ids-icon--information[_ngcontent-amk-c10], .ids-icon--information[_nghost-amk-c10]{color:var(--ids_color_feedback_information)}.ids-icon--error[_ngcontent-amk-c10], .ids-icon--error[_nghost-amk-c10]{color:var(--ids_color_feedback_error)}.ids-icon--on-brand[_ngcontent-amk-c10], .ids-icon--on-brand[_nghost-amk-c10]{color:var(--ids_color_contrast_onBrand_primary)}.ids-icon--small[_ngcontent-amk-c10], .ids-icon--small[_nghost-amk-c10]{font:var(--ids_textStyle_icon_small);min-height:var(--ids_size_general_16x);min-width:var(--ids_size_general_16x)}.ids-icon--large[_ngcontent-amk-c10], .ids-icon--large[_nghost-amk-c10]{font:var(--ids_textStyle_icon_large);min-height:var(--ids_size_general_32x);min-width:var(--ids_size_general_32x)}.ids-icon--xlarge[_ngcontent-amk-c10], .ids-icon--xlarge[_nghost-amk-c10]{font:var(--ids_textStyle_icon_xLarge);min-height:var(--ids_size_general_48x);min-width:var(--ids_size_general_48x)}.ids-box-field[_ngcontent-amk-c10]{align-items:center;background-color:var(--ids_color_bg_variant_01);border:var(--ids_size_border_small) solid var(--ids_color_border_medium);border-radius:var(--ids_size_cornerRadius_button);color:var(--ids_color_action_neutral_variant);display:flex;min-height:var(--ids_size_general_48x);position:relative}.ids-box-field[_ngcontent-amk-c10] input[_ngcontent-amk-c10]:not(.ids-box-field__input), .ids-box-field__input[_ngcontent-amk-c10]{background-color:transparent;border:0;border-radius:var(--ids_size_cornerRadius_button);caret-color:var(--ids_color_action_primary_base);color:inherit;flex:1;font:var(--ids_textStyle_f02_s16_h24_wrg);outline-offset:var(--ids_size_general_1x);padding:var(--ids_size_general_10x) var(--ids_size_general_16x)}.ids-box-field__prefix[_ngcontent-amk-c10]{left:calc(var(--ids_size_general_16x) + var(--ids_size_border_small));line-height:1;pointer-events:none;position:absolute}.ids-box-field__prefix[_ngcontent-amk-c10] + input[_ngcontent-amk-c10]:not(.ids-box-field__input), .ids-box-field__prefix[_ngcontent-amk-c10] + .ids-box-field__input[_ngcontent-amk-c10]{padding-left:var(--ids_size_general_48x)}.ids-box-field__suffix[_ngcontent-amk-c10]{position:absolute;right:calc(var(--ids_size_general_8x) + var(--ids_size_border_small))}.ids-box-field--on-brand[_ngcontent-amk-c10]{background-color:var(--ids_color_action_neutral_base);border-color:var(--ids_color_contrast_onDark_medium);color:var(--ids_color_contrast_onDark)}.ids-box-field--suffix[_ngcontent-amk-c10] input[_ngcontent-amk-c10]:not(.ids-box-field__input), .ids-box-field--suffix[_ngcontent-amk-c10] .ids-box-field__input[_ngcontent-amk-c10]{padding-right:3.75rem}*[_ngcontent-amk-c10], *[_ngcontent-amk-c10]:before, *[_ngcontent-amk-c10]:after{box-sizing:border-box}input[type=search][_ngcontent-amk-c10]::-ms-clear{display:none;width:0;height:0}input[type=search][_ngcontent-amk-c10]::-ms-reveal{display:none;width:0;height:0}input[type=search][_ngcontent-amk-c10]::-webkit-search-decoration, input[type=search][_ngcontent-amk-c10]::-webkit-search-cancel-button, input[type=search][_ngcontent-amk-c10]::-webkit-search-results-button, input[type=search][_ngcontent-amk-c10]::-webkit-search-results-decoration{display:none}.search__container[_ngcontent-amk-c10]{align-items:center;display:flex;height:100%}.search__container[_ngcontent-amk-c10] .container[_ngcontent-amk-c10]{padding:0;position:relative;flex-direction:column;justify-content:flex-start}.search__container[_ngcontent-amk-c10] .ids-input[_ngcontent-amk-c10]{padding-bottom:0}.search__modal[_ngcontent-amk-c10]{background:var(--blog-color-white);height:100vh;left:0;position:fixed;top:0;width:100%;z-index:9998}@media (min-width: 64rem){.search__modal[_ngcontent-amk-c10]{height:calc(100vh - 5.1875rem);top:5.1875rem}.search__modal.has-language-menu[_ngcontent-amk-c10]{height:calc(100vh - 7.6875rem);top:7.6875rem}}.search__close[_ngcontent-amk-c10]{align-items:center;border-bottom:.0625rem solid var(--blog-color-sand-100);display:flex;height:5rem;justify-content:flex-end;padding:1.1875rem 1.5rem .8125rem;margin-bottom:1.5rem;width:100%}.search__close[_ngcontent-amk-c10] > button[_ngcontent-amk-c10]{height:3rem;width:3rem;cursor:pointer}@media (min-width: 64rem){.search__close[_ngcontent-amk-c10]{border-color:transparent;height:1.5rem;padding:0;position:absolute;right:1.5rem;top:1.5rem;width:1.5rem}.search__close[_ngcontent-amk-c10] > button[_ngcontent-amk-c10]{height:1.5rem;width:1.5rem;cursor:pointer}}.search__form[_ngcontent-amk-c10]{width:100%;min-width:15.3125rem}.search__form[_ngcontent-amk-c10] ids-input-search[_ngcontent-amk-c10]{width:100%}.search__form[_ngcontent-amk-c10] ids-input-search[_ngcontent-amk-c10] .ids-form-field__suffix[_ngcontent-amk-c10]{display:none}@media (min-width: 64rem){.search__form[_ngcontent-amk-c10] ids-input-search[_ngcontent-amk-c10]{width:100%}}.search__form[hidden][_ngcontent-amk-c10], .search__icon[_ngcontent-amk-c10]{display:none}@media (min-width: 64rem){.search__icon[_ngcontent-amk-c10]{color:var(--ids_color_text_body_01);display:block;font-size:1.4375rem}}.search__result[_ngcontent-amk-c10]{height:calc(100vh - 8.375rem);overflow:auto;padding:1.5rem;width:100%}.search__result-title[_ngcontent-amk-c10]{color:var(--ids_color_action_neutral_base);font-family:var(--blog-font-display);font-weight:800;margin:0 0 1rem}.search__result-title[_ngcontent-amk-c10] span[_ngcontent-amk-c10]{font-family:var(--blog-font-display);font-weight:400}@media (min-width: 64rem){.search__result[_ngcontent-amk-c10]{height:calc(100vh - 5rem)}}.search__mobile-button[_ngcontent-amk-c10]{background:transparent;border:none;height:1.5625rem;padding:0;width:1.5625rem;cursor:pointer}.search__mobile-button[_ngcontent-amk-c10] i[_ngcontent-amk-c10]{font-size:1.5rem}.search__tag-list[_ngcontent-amk-c10]{border-bottom:.0625rem solid var(--blog-color-sand-100);display:flex;flex-wrap:wrap;gap:1.5rem;margin-bottom:1.5rem;padding-bottom:1.5rem}@media (min-width: 64rem){.search__tag-list[_ngcontent-amk-c10]{flex-direction:row}}.search__tag-list[_ngcontent-amk-c10] a[_ngcontent-amk-c10]{border:thin solid var(--blog-color-sand-500);border-radius:.25rem;color:var(--blog-color-sand-700);display:block;font-family:var(--blog-font-text);font-weight:400;font-size:.875rem;line-height:1.5rem;padding:.25rem 1rem;text-decoration:none}.search__tag-list[_ngcontent-amk-c10] a[_ngcontent-amk-c10]:hover, .search__tag-list[_ngcontent-amk-c10] a[_ngcontent-amk-c10]:focus, .search__tag-list[_ngcontent-amk-c10] a[_ngcontent-amk-c10]:active{background:var(--blog-color-sand-700);border-color:var(--blog-color-sand-700);color:#faf7f5;text-decoration:none}.search__article-list[_ngcontent-amk-c10]{display:flex;flex-direction:column;gap:1.5rem}.search__article-list[_ngcontent-amk-c10] li[_ngcontent-amk-c10]{color:#000;display:flex;flex-wrap:wrap;font-family:var(--blog-font-text);font-weight:400;gap:.75rem}.search__article-list[_ngcontent-amk-c10] li[_ngcontent-amk-c10] span[_ngcontent-amk-c10]:first-child{text-transform:capitalize}.search__article-list[_ngcontent-amk-c10] li[_ngcontent-amk-c10] b[_ngcontent-amk-c10]{font-family:var(--blog-font-text);font-weight:800}.search__article-list[_ngcontent-amk-c10] li[_ngcontent-amk-c10] a[_ngcontent-amk-c10]{color:var(--blog-color-link);text-decoration:underline;display:flex;align-items:center;gap:.625rem}.search__loading[_ngcontent-amk-c10]{background:transparent;height:.125rem;left:0;position:fixed;top:0;width:100%;z-index:9999}.search__loading[_ngcontent-amk-c10] .progress[_ngcontent-amk-c10]{animation:_ngcontent-amk-c10_loader 1.5s infinite ease-in-out;background:var(--ids_color_text_body_01);display:block;height:.125rem;width:0}.search__loading[_ngcontent-amk-c10] .hidden-element[_ngcontent-amk-c10]{display:block;height:0;line-height:0;opacity:0;overflow:hidden;width:0}.search__load-more[_ngcontent-amk-c10]{background:var(--ids_color_action_neutral_base);border:var(--ids_size_border_small) solid transparent;border-radius:var(--ids_size_cornerRadius_button);color:var(--ids_color_action_primary_contrast);cursor:pointer;display:block;font:var(--ids_textStyle_f02_s16_h24_wbd);margin:2.5rem 0;max-width:11.25rem;min-height:3.125rem;padding:var(--ids_size_general_10x) calc(var(--ids_size_general_24x) - var(--ids_size_border_small));text-align:center;text-decoration:none}.search__load-more[_ngcontent-amk-c10]:hover:not(:disabled):not([aria-disabled=true]), .search__load-more[_ngcontent-amk-c10]:focus:not(:disabled):not([aria-disabled=true]){background:var(--ids_color_action_neutral_variant);text-decoration:none}.search__load-more[_ngcontent-amk-c10]:focus{border:.1875rem double #fff;outline:none}@keyframes _ngcontent-amk-c10_loader{0%{width:0}20%{width:10%}25%{width:24%}43%{width:41%}56%{width:50%}66%{width:52%}71%{width:60%}75%{width:76%}94%{width:86%}to{width:100%}}
ir para o conteúdo ir para o rodapé
Payback: entenda o retorno dos seus investimentos Descubra o que é payback e aprenda a calcular o tempo de retorno dos seus investimentos de forma simples, eficiente e prática.
Por Itaú Empresas
29 de jan. de 2025
documento_outline Payback: entenda o retorno dos seus investimentos minutos de leitura
BOOKMARK_ARTICLE.SAVE_TO_AFTER O payback é um indicador que mede o tempo necessário para recuperar um investimento inicial, sendo essencial para reduzir riscos e planejar estrategicamente os próximos passos do negócio. Confira! Você sabe o que é payback? Bom, a resposta pode até ser não, mas com certeza, você já ouviu por aí que “tempo é dinheiro”, não é mesmo? Por isso, saber quanto tempo será necessário para recuperar o valor investido em um negócio é essencial tanto para empreendedores quanto para investidores.
Isso é o payback.
E calcular esse indicador financeiro é mais fácil do que parece.
Quer saber mais? Continue a leitura!
O que é payback? Antes de investir em um novo projeto ou equipamento para sua empresa, é crucial entender em quanto tempo o retorno financeiro acontecerá. Esse período é calculado por meio do payback, um indicador financeiro que mede o tempo necessário para recuperar o valor aplicado inicialmente.
Por exemplo, imagine que o proprietário de uma lavanderia adquiriu uma lavadora moderna por R$ 20 mil. Com o aumento nas vendas gerado pelo novo equipamento, ele conseguiu recuperar esse valor em 6 meses. Esse período corresponde ao payback do investimento .
Em inglês, “payback” significa retorno, e seu cálculo é tão direto quanto o nome.
A seguir, explicamos como calcular e aplicar esse indicador em sua empresa.
Leia também: BPO financeiro : o que é e como pode ajudar seu negócio!
Para que serve o payback? O payback é uma ferramenta essencial para gestão financeira e para avaliar a viabilidade de um investimento, sendo útil tanto para empreendedores quanto para investidores.
Isso porque para empreendedores , ele indica em quanto tempo o negócio ou projeto compensará financeiramente, ajudando a decidir se o retorno justifica o investimento inicial. Já para investidores , ele mede a rapidez com que o retorno esperado será atingido.
Como calcular o payback? O cálculo do payback está diretamente ligado ao fluxo de caixa da empresa, ou seja, é necessário projetar com precisão as entradas e saídas de dinheiro no período.
Tipos de Payback Existem dois principais tipos de payback:
Simples Não leva em conta a variação do valor do dinheiro ao longo do tempo. Fórmula: Payback Simples = Investimento Inicial / Saldo Médio do Fluxo de Caixa Exemplo: Um forno adquirido por R$ 20 mil gera R$ 3 mil mensais em receita. Payback Simples = R$ 20.000 / R$ 3.000 = 6,66 meses
Descontado Considera a taxa de juros e atualiza os valores para o presente. Fórmula:Payback Descontado = Investimento Inicial / Fluxo de Caixa Descontado Exemplo: Considerando uma taxa de 10%, o fluxo de caixa mensal de R$ 3 mil equivale a R$ 2.727,27 (valor descontado). Payback Descontado = R$ 20.000 / R$ 2.727,27 = 7,33 meses
O payback descontado é mais realista, pois incorpora fatores como inflação ao longo do tempo.
Por que calcular o payback? Calcular o payback é essencial para reduzir riscos e tomar decisões financeiras mais estratégicas.
Essa métrica ajuda a entender a viabilidade de projetos e pode ser combinada com outros indicadores, como ROI (Retorno sobre Investimento) e TIR (Taxa Interna de Retorno), para uma análise mais completa. Agora que você já sabe o que é e como funciona o payback, aproveite para colocar esse conhecimento em prática e planejar os próximos passos do seu negócio!
O Itaú pode te ajudar nessa missão. Conheça a conta PJ do Itaú Empresas , ideal para você que deseja aprimorar seu controle financeiro e o crescimento do seu negócio.
Entenda como potencializar seus resultados com investimentos para empresas. Diversifi [...]
Hedge: estratégia para proteger seus investimentos de variações de mercado. Entenda c [...]
Saiba quando e como expandir os negócios abrindo uma filial. Avalie aspectos estratég [...]