{"product_id":"emv","title":"EMV Calculator – Expected Monetary Value","description":"\u003cstyle\u003e\n.emv-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  color: var(--ink);\n  background: var(--surface);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n  font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  container-type: inline-size;\n  container-name: emv-layout;\n  overflow-wrap: anywhere;\n}\n.emv-calculator,\n.emv-calculator *,\n.emv-calculator *::before,\n.emv-calculator *::after {\n  box-sizing: border-box;\n}\n.emv-calculator button,\n.emv-calculator input,\n.emv-calculator select {\n  font: inherit;\n}\n.emv-calculator button,\n.emv-calculator select {\n  min-height: 44px;\n}\n.emv-calculator a {\n  color: var(--primary);\n  text-underline-offset: 2px;\n}\n.emv-calculator a:hover {\n  text-decoration-thickness: 2px;\n}\n.emv-calculator :focus-visible {\n  outline: 3px solid rgba(29, 78, 216, .35);\n  outline-offset: 2px;\n}\n.emv-calculator [hidden] {\n  display: none !important;\n}\n.emv-header,\n.emv-toolbar,\n.emv-workspace,\n.emv-breakdown,\n.emv-chart,\n.emv-table,\n.emv-education {\n  min-width: 0;\n}\n.emv-header {\n  padding: 24px 24px 16px;\n  border-bottom: 1px solid var(--border);\n  background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);\n  border-radius: 8px 8px 0 0;\n}\n.emv-title {\n  margin: 0;\n  font-size: 24px;\n  line-height: 1.25;\n  font-weight: 700;\n  letter-spacing: -.02em;\n}\n.emv-subtitle {\n  margin: 8px 0 0;\n  color: var(--muted);\n  max-width: 760px;\n}\n.emv-pills {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  margin-top: 16px;\n}\n.emv-pill {\n  display: inline-flex;\n  align-items: center;\n  gap: 8px;\n  min-width: 0;\n  padding: 6px 10px;\n  border: 1px solid var(--border);\n  border-radius: 999px;\n  background: var(--surface);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  white-space: nowrap;\n}\n.emv-pill strong {\n  color: var(--ink);\n  font-variant-numeric: tabular-nums;\n}\n.emv-toolbar {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  gap: 12px;\n  padding: 16px 24px;\n  border-bottom: 1px solid var(--border);\n  background: var(--surface);\n}\n.emv-button {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  gap: 10px;\n  min-width: 0;\n  border: 1px solid transparent;\n  border-radius: 6px;\n  padding: 12px 18px;\n  font-weight: 650;\n  line-height: 1.1;\n  cursor: pointer;\n  white-space: nowrap;\n  transition: background-color .15s ease, border-color .15s ease, box-shadow .15s ease, transform .15s ease;\n}\n.emv-button:hover {\n  box-shadow: 0 2px 5px rgba(15, 23, 42, .12);\n}\n.emv-button:active {\n  transform: translateY(1px);\n}\n.emv-download {\n  background: var(--accent);\n  color: #ffffff;\n  border-color: var(--accent);\n}\n.emv-download:hover,\n.emv-download:focus-visible {\n  background: var(--accent-hover);\n  border-color: var(--accent-hover);\n}\n.emv-reset {\n  background: var(--surface);\n  color: var(--ink);\n  border-color: #cbd5e1;\n}\n.emv-reset:hover {\n  background: var(--tint);\n  border-color: #94a3b8;\n}\n.emv-workspace {\n  display: grid;\n  grid-template-columns: minmax(0, 1.18fr) minmax(320px, .82fr);\n  gap: 24px;\n  padding: 24px;\n  background: var(--tint);\n  border-bottom: 1px solid var(--border);\n}\n.emv-inputs,\n.emv-results {\n  min-width: 0;\n}\n.emv-panel {\n  min-width: 0;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .04);\n}\n.emv-panel-head {\n  padding: 16px;\n  border-bottom: 1px solid var(--border);\n}\n.emv-section-title {\n  margin: 0;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n}\n.emv-section-copy {\n  margin: 4px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.emv-count-row {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) minmax(112px, 150px);\n  gap: 16px;\n  align-items: end;\n  padding: 16px;\n  border-bottom: 1px solid var(--border);\n}\n.emv-field {\n  display: flex;\n  flex-direction: column;\n  gap: 6px;\n  min-width: 0;\n}\n.emv-label {\n  display: block;\n  color: var(--ink);\n  font-size: 14px;\n  line-height: 1.35;\n  font-weight: 600;\n}\n.emv-control,\n.emv-select {\n  width: 100%;\n  min-width: 0;\n  min-height: 44px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  background: #ffffff;\n  color: var(--ink);\n  padding: 10px 12px;\n  font-size: 15px;\n  line-height: 1.3;\n  transition: border-color .15s ease, box-shadow .15s ease;\n}\n.emv-control:hover,\n.emv-select:hover {\n  border-color: #94a3b8;\n}\n.emv-control:focus,\n.emv-select:focus {\n  border-color: var(--primary);\n  box-shadow: 0 0 0 3px rgba(29, 78, 216, .14);\n  outline: none;\n}\n.emv-control[aria-invalid=\"true\"] {\n  border-color: #b91c1c;\n  box-shadow: 0 0 0 2px rgba(185, 28, 28, .1);\n}\n.emv-helper,\n.emv-error {\n  min-height: 19px;\n  font-size: 13px;\n  line-height: 1.45;\n  font-weight: 500;\n}\n.emv-helper {\n  color: var(--muted);\n}\n.emv-error {\n  color: #991b1b;\n}\n.emv-risk-list {\n  display: grid;\n  gap: 12px;\n  padding: 16px;\n}\n.emv-risk-card {\n  min-width: 0;\n  padding: 16px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: #ffffff;\n}\n.emv-risk-head {\n  display: flex;\n  align-items: baseline;\n  justify-content: flex-start;\n  gap: 10px;\n  margin-bottom: 12px;\n}\n.emv-risk-number {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  width: 28px;\n  height: 28px;\n  flex: 0 0 28px;\n  border-radius: 50%;\n  background: #dbeafe;\n  color: #1e3a8a;\n  font-size: 13px;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n}\n.emv-risk-title {\n  margin: 0;\n  font-size: 15px;\n  font-weight: 700;\n}\n.emv-risk-grid {\n  display: grid;\n  grid-template-columns: minmax(150px, 1.2fr) minmax(130px, .9fr) minmax(120px, .8fr);\n  gap: 12px;\n  align-items: start;\n}\n.emv-input-shell {\n  display: flex;\n  align-items: stretch;\n  min-width: 0;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  background: #ffffff;\n  transition: border-color .15s ease, box-shadow .15s ease;\n}\n.emv-input-shell:focus-within {\n  border-color: var(--primary);\n  box-shadow: 0 0 0 3px rgba(29, 78, 216, .14);\n}\n.emv-input-shell.emv-invalid {\n  border-color: #b91c1c;\n  box-shadow: 0 0 0 2px rgba(185, 28, 28, .1);\n}\n.emv-prefix,\n.emv-suffix {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  flex: 0 0 auto;\n  min-width: 38px;\n  padding: 0 10px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 14px;\n  font-weight: 600;\n}\n.emv-prefix {\n  border-right: 1px solid var(--border);\n  border-radius: 5px 0 0 5px;\n}\n.emv-suffix {\n  border-left: 1px solid var(--border);\n  border-radius: 0 5px 5px 0;\n}\n.emv-input-shell .emv-control {\n  border: 0;\n  border-radius: 0;\n  box-shadow: none;\n}\n.emv-input-shell .emv-control:focus {\n  box-shadow: none;\n}\n.emv-results {\n  display: grid;\n  align-content: start;\n  gap: 16px;\n}\n.emv-primary-card {\n  min-width: 0;\n  padding: 20px;\n  border: 1px solid #bfdbfe;\n  border-radius: 8px;\n  background: linear-gradient(180deg, #eff6ff 0%, #ffffff 100%);\n}\n.emv-result-kicker {\n  margin: 0;\n  color: #1e3a8a;\n  font-size: 13px;\n  font-weight: 700;\n  letter-spacing: .05em;\n  text-transform: uppercase;\n}\n.emv-primary-value {\n  margin: 8px 0 0;\n  color: var(--ink);\n  font-size: 30px;\n  line-height: 1.15;\n  font-weight: 700;\n  letter-spacing: -.025em;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.emv-result-meaning {\n  margin: 8px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.emv-live {\n  margin-top: 12px;\n  padding-top: 12px;\n  border-top: 1px solid #bfdbfe;\n  color: #334155;\n  font-size: 13px;\n  font-weight: 500;\n}\n.emv-result-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 12px;\n}\n.emv-metric-card {\n  min-width: 0;\n  padding: 16px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n}\n.emv-metric-label {\n  margin: 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n}\n.emv-metric-value {\n  margin: 6px 0 0;\n  color: var(--ink);\n  font-size: 20px;\n  line-height: 1.2;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.emv-metric-note {\n  margin: 6px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.emv-interpretation {\n  padding: 14px 16px;\n  border: 1px solid var(--border);\n  border-left: 4px solid var(--primary);\n  border-radius: 6px;\n  background: var(--surface);\n  color: #334155;\n  font-size: 13px;\n  font-weight: 500;\n}\n.emv-breakdown,\n.emv-chart,\n.emv-table,\n.emv-education {\n  padding: 24px;\n  border-bottom: 1px solid var(--border);\n}\n.emv-breakdown-grid {\n  display: grid;\n  grid-template-columns: repeat(4, minmax(0, 1fr));\n  gap: 12px;\n  margin-top: 16px;\n}\n.emv-break-card {\n  min-width: 0;\n  padding: 16px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--tint);\n}\n.emv-break-label {\n  margin: 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n}\n.emv-break-value {\n  margin: 6px 0 0;\n  font-size: 20px;\n  line-height: 1.2;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.emv-chart-card {\n  min-width: 0;\n  margin-top: 16px;\n  padding: 16px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n}\n.emv-chart-intro {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.emv-chart-cluster {\n  display: grid;\n  grid-template-columns: minmax(0, 720px) minmax(210px, max-content);\n  justify-content: center;\n  align-items: center;\n  gap: 24px;\n  margin-top: 16px;\n  min-width: 0;\n}\n.emv-plot-wrap,\n.emv-legend {\n  min-width: 0;\n}\n.emv-plot-wrap {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  width: 100%;\n  min-height: 260px;\n}\n.emv-plot {\n  display: block;\n  width: 100%;\n  max-width: 720px;\n  height: auto;\n  overflow: visible;\n}\n.emv-empty-state {\n  width: 100%;\n  max-width: 520px;\n  padding: 20px;\n  border: 1px dashed #94a3b8;\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  text-align: center;\n  font-size: 13px;\n  font-weight: 600;\n}\n.emv-legend {\n  display: grid;\n  gap: 10px;\n  align-content: center;\n}\n.emv-legend-row {\n  display: grid;\n  grid-template-columns: 12px minmax(0, max-content) max-content max-content;\n  align-items: center;\n  justify-content: start;\n  column-gap: 10px;\n  row-gap: 4px;\n  color: var(--ink);\n  font-size: 13px;\n  font-weight: 500;\n}\n.emv-swatch {\n  width: 12px;\n  height: 12px;\n  border-radius: 3px;\n}\n.emv-legend-name {\n  min-width: 0;\n  font-weight: 650;\n}\n.emv-legend-value,\n.emv-legend-percent {\n  font-variant-numeric: tabular-nums;\n  white-space: nowrap;\n}\n.emv-legend-percent {\n  color: var(--muted);\n}\n.emv-chart-table-wrap,\n.emv-table-overflow {\n  min-width: 0;\n  overflow-x: auto;\n  -webkit-overflow-scrolling: touch;\n}\n.emv-chart-table-wrap {\n  margin-top: 20px;\n}\n.emv-chart-table,\n.emv-data-table {\n  width: 100%;\n  min-width: 680px;\n  border-collapse: collapse;\n  font-size: 13px;\n  line-height: 1.45;\n}\n.emv-chart-table th,\n.emv-chart-table td,\n.emv-data-table th,\n.emv-data-table td {\n  padding: 10px 12px;\n  border: 1px solid var(--border);\n  text-align: left;\n  vertical-align: top;\n}\n.emv-chart-table th,\n.emv-data-table th {\n  background: #1e3a8a;\n  color: #ffffff;\n  font-weight: 700;\n  white-space: nowrap;\n}\n.emv-chart-table td,\n.emv-data-table td {\n  background: #ffffff;\n}\n.emv-chart-table tbody tr:hover td,\n.emv-data-table tbody tr:hover td {\n  background: #fafafa;\n}\n.emv-numeric {\n  text-align: right !important;\n  font-variant-numeric: tabular-nums;\n  white-space: nowrap;\n}\n.emv-chart-callout,\n.emv-table-note {\n  position: static;\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.emv-safe-stack .emv-chart-cluster {\n  grid-template-columns: minmax(0, 1fr);\n  row-gap: 24px;\n}\n.emv-safe-stack .emv-plot-wrap {\n  min-height: 0;\n}\n.emv-safe-stack .emv-legend {\n  justify-content: center;\n  margin-top: 0;\n}\n.emv-safe-stack .emv-chart-callout {\n  margin-top: 20px;\n}\n.emv-safe-table-stack .emv-table-note {\n  position: static;\n  margin-top: 20px;\n}\n.emv-table-head {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: flex-end;\n  justify-content: flex-start;\n  gap: 12px;\n  margin-bottom: 16px;\n}\n.emv-table-copy {\n  max-width: 760px;\n}\n.emv-table-overflow {\n  width: 100%;\n}\n.emv-education {\n  border-bottom: 0;\n}\n.emv-education-inner {\n  max-width: 900px;\n}\n.emv-education h2 {\n  margin: 28px 0 8px;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n}\n.emv-education h2:first-child {\n  margin-top: 0;\n}\n.emv-education h3 {\n  margin: 20px 0 6px;\n  font-size: 16px;\n  line-height: 1.4;\n  font-weight: 650;\n}\n.emv-education p {\n  margin: 8px 0 0;\n  color: #334155;\n}\n.emv-education ul,\n.emv-education ol {\n  margin: 8px 0 0;\n  padding-left: 22px;\n  color: #334155;\n}\n.emv-education li + li {\n  margin-top: 6px;\n}\n.emv-formula {\n  margin-top: 12px;\n  padding: 12px 16px;\n  border-left: 4px solid var(--primary);\n  border-radius: 0 6px 6px 0;\n  background: #eff6ff;\n  color: #172554;\n  font-weight: 650;\n  font-variant-numeric: tabular-nums;\n}\n@container emv-layout (max-width: 899px) {\n  .emv-workspace {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .emv-chart-cluster {\n    grid-template-columns: minmax(0, 1fr);\n    row-gap: 20px;\n  }\n  .emv-legend {\n    justify-content: center;\n  }\n  .emv-breakdown-grid {\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n  }\n}\n@container emv-layout (max-width: 639px) {\n  .emv-header,\n  .emv-workspace,\n  .emv-breakdown,\n  .emv-chart,\n  .emv-table,\n  .emv-education {\n    padding: 16px;\n  }\n  .emv-toolbar {\n    padding: 12px 16px;\n  }\n  .emv-button {\n    flex: 1 1 auto;\n  }\n  .emv-count-row,\n  .emv-risk-grid,\n  .emv-result-grid,\n  .emv-breakdown-grid {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .emv-chart-card {\n    padding: 12px;\n  }\n  .emv-plot-wrap {\n    min-height: 220px;\n  }\n  .emv-legend-row {\n    grid-template-columns: 12px minmax(0, max-content) max-content;\n  }\n  .emv-legend-percent {\n    grid-column: 2 \/ 4;\n    padding-left: 0;\n  }\n  .emv-chart-callout,\n  .emv-table-note {\n    margin-top: 12px;\n  }\n}\n@media (max-width: 899px) {\n  .emv-workspace {\n    grid-template-columns: minmax(0, 1fr);\n  }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"emv-calculator\" data-calculator-root\u003e\n  \u003csection class=\"emv-header\"\u003e\n    \u003ch2 class=\"emv-title\"\u003eExpected Monetary Value Calculator\u003c\/h2\u003e\n    \u003cp class=\"emv-subtitle\"\u003eQuantify project opportunities and threats by combining each event’s financial impact with its probability of occurrence.\u003c\/p\u003e\n    \u003cdiv class=\"emv-pills\" aria-label=\"Live calculation summary\"\u003e\n      \u003cspan class=\"emv-pill\"\u003eRisks \u003cstrong class=\"emv-pill-count\"\u003e3\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"emv-pill\"\u003eNet EMV \u003cstrong class=\"emv-pill-net\"\u003e-$62.00\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"emv-pill\"\u003eContingency reserve \u003cstrong class=\"emv-pill-reserve\"\u003e$62.00\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"emv-pill\"\u003eProbability range \u003cstrong class=\"emv-pill-range\"\u003e10.00%–30.00%\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003cdiv class=\"emv-toolbar\" role=\"toolbar\" aria-label=\"Calculator actions\"\u003e\n    \u003cbutton class=\"emv-button emv-download\" type=\"button\"\u003e\n      \u003csvg width=\"18\" height=\"18\" viewbox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"\u003e\n        \u003cpath d=\"M12 3v11m0 0 4-4m-4 4-4-4M5 16v3h14v-3\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003c\/path\u003e\n      \u003c\/svg\u003e\n      \u003cspan\u003eDownload Excel\u003c\/span\u003e\n    \u003c\/button\u003e\n    \u003cbutton class=\"emv-button emv-reset\" type=\"button\"\u003eReset\u003c\/button\u003e\n  \u003c\/div\u003e\n\n  \u003csection class=\"emv-workspace\"\u003e\n    \u003cdiv class=\"emv-inputs emv-panel\"\u003e\n      \u003cdiv class=\"emv-panel-head\"\u003e\n        \u003ch3 class=\"emv-section-title\"\u003eRisk assumptions\u003c\/h3\u003e\n        \u003cp class=\"emv-section-copy\"\u003eUse positive impacts for opportunities and negative impacts for threats.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-count-row\"\u003e\n        \u003cdiv class=\"emv-field\"\u003e\n          \u003clabel class=\"emv-label\" for=\"emv-risk-count\"\u003eHow many risks are you considering?\u003c\/label\u003e\n          \u003cspan class=\"emv-helper\"\u003eChoose between 1 and 10 events. Changing the count adds or removes rows.\u003c\/span\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"emv-field\"\u003e\n          \u003cselect class=\"emv-select\" id=\"emv-risk-count\" aria-describedby=\"emv-count-help\"\u003e\n            \u003coption value=\"1\"\u003e1\u003c\/option\u003e\n            \u003coption value=\"2\"\u003e2\u003c\/option\u003e\n            \u003coption value=\"3\" selected\u003e3\u003c\/option\u003e\n            \u003coption value=\"4\"\u003e4\u003c\/option\u003e\n            \u003coption value=\"5\"\u003e5\u003c\/option\u003e\n            \u003coption value=\"6\"\u003e6\u003c\/option\u003e\n            \u003coption value=\"7\"\u003e7\u003c\/option\u003e\n            \u003coption value=\"8\"\u003e8\u003c\/option\u003e\n            \u003coption value=\"9\"\u003e9\u003c\/option\u003e\n            \u003coption value=\"10\"\u003e10\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cspan class=\"emv-helper\" id=\"emv-count-help\"\u003eActive risk rows\u003c\/span\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-risk-list\"\u003e\u003c\/div\u003e\n    \u003c\/div\u003e\n\n    \u003caside class=\"emv-results\" aria-label=\"Expected monetary value results\"\u003e\n      \u003cdiv class=\"emv-primary-card\"\u003e\n        \u003cp class=\"emv-result-kicker\"\u003eNet expected monetary value\u003c\/p\u003e\n        \u003cdiv class=\"emv-primary-value\"\u003e-$62.00\u003c\/div\u003e\n        \u003cp class=\"emv-result-meaning\"\u003eA negative value means expected threats outweigh expected opportunities.\u003c\/p\u003e\n        \u003cdiv class=\"emv-live\" aria-live=\"polite\"\u003eNet EMV is -$62.00 across 3 active risks.\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-result-grid\"\u003e\n        \u003cdiv class=\"emv-metric-card\"\u003e\n          \u003cp class=\"emv-metric-label\"\u003eGross opportunity EMV\u003c\/p\u003e\n          \u003cp class=\"emv-metric-value emv-opportunity-value\"\u003e$28.00\u003c\/p\u003e\n          \u003cp class=\"emv-metric-note\"\u003eExpected positive contribution\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"emv-metric-card\"\u003e\n          \u003cp class=\"emv-metric-label\"\u003eGross threat EMV\u003c\/p\u003e\n          \u003cp class=\"emv-metric-value emv-threat-value\"\u003e-$90.00\u003c\/p\u003e\n          \u003cp class=\"emv-metric-note\"\u003eExpected negative contribution\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"emv-metric-card\"\u003e\n          \u003cp class=\"emv-metric-label\"\u003eContingency reserve\u003c\/p\u003e\n          \u003cp class=\"emv-metric-value emv-reserve-value\"\u003e$62.00\u003c\/p\u003e\n          \u003cp class=\"emv-metric-note\"\u003eMagnitude of negative net EMV\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"emv-metric-card\"\u003e\n          \u003cp class=\"emv-metric-label\"\u003eAbsolute weighted exposure\u003c\/p\u003e\n          \u003cp class=\"emv-metric-value emv-exposure-value\"\u003e$118.00\u003c\/p\u003e\n          \u003cp class=\"emv-metric-note\"\u003eMagnitude before netting\u003c\/p\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-interpretation\"\u003eThe example portfolio has $90.00 of expected downside and $28.00 of expected upside, producing a net expected effect of -$62.00.\u003c\/div\u003e\n    \u003c\/aside\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"emv-breakdown\"\u003e\n    \u003ch3 class=\"emv-section-title\"\u003eRisk portfolio breakdown\u003c\/h3\u003e\n    \u003cp class=\"emv-section-copy\"\u003eThese totals separate positive and negative expected effects before they are netted.\u003c\/p\u003e\n    \u003cdiv class=\"emv-breakdown-grid\"\u003e\n      \u003cdiv class=\"emv-break-card\"\u003e\n        \u003cp class=\"emv-break-label\"\u003eOpportunity events\u003c\/p\u003e\n        \u003cp class=\"emv-break-value emv-opportunity-count\"\u003e2\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-break-card\"\u003e\n        \u003cp class=\"emv-break-label\"\u003eThreat events\u003c\/p\u003e\n        \u003cp class=\"emv-break-value emv-threat-count\"\u003e1\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-break-card\"\u003e\n        \u003cp class=\"emv-break-label\"\u003eLargest absolute EMV\u003c\/p\u003e\n        \u003cp class=\"emv-break-value emv-largest-emv\"\u003e$90.00\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-break-card\"\u003e\n        \u003cp class=\"emv-break-label\"\u003eAverage EMV per risk\u003c\/p\u003e\n        \u003cp class=\"emv-break-value emv-average-emv\"\u003e-$20.67\u003c\/p\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"emv-chart\"\u003e\n    \u003ch3 class=\"emv-section-title\"\u003eExpected value by risk\u003c\/h3\u003e\n    \u003cp class=\"emv-section-copy\"\u003eBars show each risk’s probability-weighted contribution. Negative threats extend left; positive opportunities extend right.\u003c\/p\u003e\n    \u003cdiv class=\"emv-chart-card\"\u003e\n      \u003cdiv class=\"emv-chart-intro\"\u003eRisk 1 is currently the largest expected driver by absolute value.\u003c\/div\u003e\n      \u003cdiv class=\"emv-chart-cluster\"\u003e\n        \u003cdiv class=\"emv-plot-wrap\"\u003e\n          \u003csvg class=\"emv-plot\" role=\"img\" aria-label=\"Expected monetary value by risk\"\u003e\u003c\/svg\u003e\n          \u003cdiv class=\"emv-empty-state\" hidden\u003eEnter non-zero impacts and probabilities above to see the risk chart.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"emv-legend\" aria-label=\"Chart legend\"\u003e\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-chart-table-wrap\"\u003e\n        \u003ctable class=\"emv-chart-table\"\u003e\n          \u003cthead\u003e\n            \u003ctr\u003e\n              \u003cth scope=\"col\"\u003eSeries\u003c\/th\u003e\n              \u003cth scope=\"col\" class=\"emv-numeric\"\u003eAmount\u003c\/th\u003e\n              \u003cth scope=\"col\" class=\"emv-numeric\"\u003eShare of absolute EMV\u003c\/th\u003e\n            \u003c\/tr\u003e\n          \u003c\/thead\u003e\n          \u003ctbody class=\"emv-chart-summary-body\"\u003e\u003c\/tbody\u003e\n        \u003c\/table\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"emv-chart-callout\"\u003eThe chart uses the same risk-level EMV values shown in the detail table and Excel workbook.\u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"emv-table\"\u003e\n    \u003cdiv class=\"emv-table-head\"\u003e\n      \u003cdiv class=\"emv-table-copy\"\u003e\n        \u003ch3 class=\"emv-section-title\"\u003eRisk detail table\u003c\/h3\u003e\n        \u003cp class=\"emv-section-copy\"\u003eEach row multiplies financial impact by probability. Shares use absolute EMV so positive and negative risks remain comparable.\u003c\/p\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"emv-table-overflow\"\u003e\n      \u003ctable class=\"emv-data-table\"\u003e\n        \u003cthead\u003e\n          \u003ctr\u003e\n            \u003cth scope=\"col\"\u003e#\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eRisk\u003c\/th\u003e\n            \u003cth scope=\"col\" class=\"emv-numeric\"\u003eImpact\u003c\/th\u003e\n            \u003cth scope=\"col\" class=\"emv-numeric\"\u003eProbability\u003c\/th\u003e\n            \u003cth scope=\"col\" class=\"emv-numeric\"\u003eEMV\u003c\/th\u003e\n            \u003cth scope=\"col\" class=\"emv-numeric\"\u003eAbsolute share\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eType\u003c\/th\u003e\n          \u003c\/tr\u003e\n        \u003c\/thead\u003e\n        \u003ctbody class=\"emv-detail-body\"\u003e\u003c\/tbody\u003e\n        \u003ctfoot class=\"emv-detail-foot\"\u003e\u003c\/tfoot\u003e\n      \u003c\/table\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"emv-table-note\"\u003eA zero probability or zero impact produces a zero EMV. Invalid entries are excluded until corrected, preventing non-finite values from reaching results or exports.\u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"emv-education\"\u003e\n    \u003cdiv class=\"emv-education-inner\"\u003e\n      \u003ch2\u003eWhat does the expected monetary value calculator estimate?\u003c\/h2\u003e\n      \u003cp\u003eExpected monetary value, or EMV, converts uncertain events into probability-weighted dollar amounts. For each risk, the calculator multiplies the impact that would occur by the likelihood of occurrence. It then adds all risk-level EMVs to produce a net expected monetary effect. This is useful for project risk registers, contingency planning, option comparisons, procurement decisions, product launches, and other situations where several uncertain gains and losses must be viewed on a common monetary scale.\u003c\/p\u003e\n      \u003cp\u003eEMV is an average across many comparable decisions or repeated situations; it is not a prediction that the next event will equal the displayed amount. A project may experience the full impact, no impact, or a different outcome. The calculation is most informative when probabilities and impact estimates are grounded in historical evidence, vendor quotes, structured expert judgment, or scenario analysis. The \u003ca class=\"emv-link\" href=\"https:\/\/www.gao.gov\/products\/gao-20-195g\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eU.S. Government Accountability Office Cost Estimating and Assessment Guide\u003c\/a\u003e provides broader guidance on uncertainty and risk analysis in cost estimates.\u003c\/p\u003e\n\n      \u003ch2\u003eHow should each input be completed?\u003c\/h2\u003e\n      \u003ch3\u003eNumber of risks\u003c\/h3\u003e\n      \u003cp\u003eSelect from one to ten active risk events. This field is required because it controls how many assumption rows and result rows are included. Increasing the count adds blank events without changing existing entries. Reducing it removes the last rows from the active analysis. A common mistake is to combine several unrelated events into one row; separate rows usually make the probabilities, impacts, and ownership of each risk easier to review.\u003c\/p\u003e\n\n      \u003ch3\u003eRisk name\u003c\/h3\u003e\n      \u003cp\u003eThe name is optional but recommended. Use a concise description such as “supplier delay,” “refund recovery,” or “additional customer demand.” Names do not affect the mathematics, but they make the chart, table, and workbook understandable to reviewers. Blank names are automatically displayed as Risk 1, Risk 2, and so forth.\u003c\/p\u003e\n\n      \u003ch3\u003eImpact of occurrence\u003c\/h3\u003e\n      \u003cp\u003eEnter the full dollar effect if the event happens, not the probability-weighted amount. Use a positive value for an opportunity that improves the project’s financial position and a negative value for a threat that worsens it. For example, an avoided cost or refund can be positive, while extra labor, replacement equipment, or lost revenue can be negative. Higher absolute impacts increase the event’s influence on total EMV. Do not enter a percentage in this field, and do not multiply by probability before entering the amount because the calculator performs that step.\u003c\/p\u003e\n\n      \u003ch3\u003eProbability of occurrence\u003c\/h3\u003e\n      \u003cp\u003eEnter a percentage from 0% to 100%. A 0% event contributes nothing; a 100% event contributes its full impact. Higher probabilities move the risk-level EMV closer to the full impact. Estimate probability over the same time horizon and scope used for the impact. Avoid mixing the chance of “at least one occurrence” with an impact that assumes several occurrences. The \u003ca class=\"emv-link\" href=\"https:\/\/csrc.nist.gov\/projects\/risk-management\/about-rmf\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eNIST Risk Management Framework overview\u003c\/a\u003e explains the broader discipline of identifying, assessing, responding to, and monitoring risk.\u003c\/p\u003e\n\n      \u003ch2\u003eHow does the EMV formula work?\u003c\/h2\u003e\n      \u003cdiv class=\"emv-formula\"\u003eRisk EMV = Impact of occurrence × Probability of occurrence\u003c\/div\u003e\n      \u003cp\u003eThe calculator stores probability as a fraction. Therefore, a -$300 impact with a 30% probability produces an EMV of -$90. A $100 opportunity with a 10% probability produces $10, and a $120 opportunity with a 15% probability produces $18. Adding -$90, $10, and $18 gives a net EMV of -$62. Full precision is preserved internally, while displayed and exported currency values are rounded to cents.\u003c\/p\u003e\n      \u003cp\u003eThe net formula is the sum of all row-level EMVs. Gross opportunity EMV includes only positive rows. Gross threat EMV includes only negative rows. Absolute weighted exposure adds the magnitudes of both positive and negative EMVs, preventing them from canceling each other. When net EMV is negative, the contingency reserve metric shows its positive magnitude; it is a planning reference rather than a guarantee that this amount will cover every possible outcome.\u003c\/p\u003e\n\n      \u003ch2\u003eHow should the results be interpreted?\u003c\/h2\u003e\n      \u003ch3\u003eNet expected monetary value\u003c\/h3\u003e\n      \u003cp\u003eA positive net EMV means probability-weighted opportunities exceed probability-weighted threats. A negative value means expected threats dominate. Zero means the weighted gains and losses offset one another, not that the project is risk-free. Net EMV is driven by every impact and probability, so a single low-probability, very large threat can outweigh several smaller opportunities.\u003c\/p\u003e\n\n      \u003ch3\u003eGross opportunity, gross threat, and contingency reserve\u003c\/h3\u003e\n      \u003cp\u003eGross opportunity shows the total expected positive contribution before netting. Gross threat shows the expected negative contribution with its sign. Contingency reserve displays the magnitude of a negative net EMV as a positive planning amount. Reviewing gross values alongside net EMV is important because a near-zero net can conceal large offsetting exposures. A portfolio with $500,000 of expected upside and -$500,000 of expected downside has very different risk characteristics from a portfolio with no material risks.\u003c\/p\u003e\n\n      \u003ch3\u003eAbsolute exposure, largest EMV, and average EMV\u003c\/h3\u003e\n      \u003cp\u003eAbsolute weighted exposure measures total risk activity before cancellation. Largest absolute EMV identifies the strongest single driver, while average EMV divides net EMV by the number of active rows. The average can help compare portfolios with different counts, but it should not replace the detail table because risk distributions may be highly uneven.\u003c\/p\u003e\n\n      \u003ch2\u003eHow do the chart and table support analysis?\u003c\/h2\u003e\n      \u003cp\u003eThe diverging bar chart places threats to the left of zero and opportunities to the right. Bar length reflects the absolute EMV, not the full impact. The legend aggregates all positive and negative contributions and reports each side’s share of total absolute EMV. The chart summary table exposes the exact values represented by the colors, and the detail table shows impact, probability, EMV, share, and classification for every event. All visible results and the downloadable workbook use the same calculation model, so edits flow consistently through each view.\u003c\/p\u003e\n      \u003cp\u003eUse the chart to identify concentration. A single dominant bar may deserve more validation, mitigation planning, or sensitivity testing. Use the table to verify signs and probabilities. One of the most frequent errors is assigning a positive sign to a cost or a negative sign to a benefit, which reverses the direction of EMV.\u003c\/p\u003e\n\n      \u003ch2\u003eWhat are the main benefits and limitations?\u003c\/h2\u003e\n      \u003cp\u003eEMV creates a consistent language for comparing different risks, supports transparent contingency discussions, and makes assumptions easy to audit. It also helps teams test how decisions change when probabilities or impacts move. The method remains sensitive to input quality, correlation, and tail risk. Simple EMV assumes each row can be evaluated independently; correlated events can make aggregate exposure larger or smaller than the sum suggests. It also compresses an entire distribution into one average, so it should be paired with scenario ranges, qualitative risk ratings, and professional judgment for material decisions.\u003c\/p\u003e\n      \u003cp\u003eFor a general explanation of expected value in probability and finance, see \u003ca class=\"emv-link\" href=\"https:\/\/www.investopedia.com\/terms\/e\/expected-value.asp\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eInvestopedia’s expected value overview\u003c\/a\u003e. This calculator is an educational planning tool and does not provide financial, legal, tax, or investment advice.\u003c\/p\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909489565939,"sku":"emv","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/emv.webp?v=1783935580","url":"https:\/\/financialmodelslab.com\/products\/emv","provider":"Financial Models Lab","version":"1.0","type":"link"}