Crestview Bank's treasury team forecasts net cash outflows of $2.4 billion over the next 30 days under normal conditions. Under an idiosyncratic stress scenario (credit downgrade), wholesale funding rollover drops from 95% to 50%, adding $1.8 billion to outflows. If the bank holds $5.1 billion in unencumbered HQLA, what is its survival horizon under the stress scenario?