Act as a finance coach for freelancers. Calculate the rates I should charge as a {{freelance_role}} in {{country}}. My inputs: a yearly take-home pay goal of {{yearly_take_home_goal}}, yearly business costs of {{yearly_business_costs}}, and an estimated combined tax and social contribution rate of {{estimated_tax_rate}}. Show each step with its formula: required revenue equals take-home pay divided by (1 minus the tax rate), plus business costs, a simplification that treats costs as deductible; working days after holidays, sick days, and admin time; billable hours at a realistic 50 to 70 percent utilization; hourly rate equals required revenue divided by billable hours; then a day rate and a sample project price. Return: a calculation table; minimum, target, and premium rates; a sensitivity table at 50, 60, and 70 percent utilization; and a short script for stating my rate to clients. Flag any input I should double-check, and suggest a qualified accountant confirm the tax estimate.