Value for money

<!doctype html> <html lang="en" prefix="og: http://ogp.me/ns#" class="no-js"> <head> <meta charset="utf-8"> <meta http-equiv="x-ua-compatible" content="ie=edge"> <meta name="viewport" content="width=device-width, initial-scale=1"> <meta name="format-detection" content="telephone=no"> <title>Value for money</title> <meta name="description" content="Delivering value for money is a key focus for the scheme and our performance in this area is reviewed in depth by the Trustee Board on an annual basis" /> <meta name="robots" content="index, follow"> <link href="https://fonts.googleapis.com/css?family=Lato:100,300,400,600,700&display=swap" rel="stylesheet"> <link href="https://fonts.googleapis.com/css?family=Open+Sans:300,400,600,700&display=swap" rel="stylesheet"> <link href="/assets/css/default.css?v=638725290360000000" rel="stylesheet"> <script src="/assets/js/modernizr.js?v=638725290260000000"></script> <script src="/assets/js/vendor.js?v=638725290800000000" defer></script> <script src="/assets/js/main.js?v=638725290800000000" defer></script> <link rel="apple-touch-icon" sizes="180x180" href="/assets/img/favicon/apple-touch-icon.png"> <link rel="icon" type="image/png" sizes="32x32" href="/assets/img/favicon/favicon-32x32.png"> <link rel="icon" type="image/png" sizes="16x16" href="/assets/img/favicon/favicon-16x16.png"> <link rel="manifest" href="/assets/img/favicon/site.webmanifest"> <link rel="mask-icon" href="/assets/img/favicon/safari-pinned-tab.svg" color="#c62521"> <link rel="shortcut icon" href="/assets/img/favicon/favicon.ico"> <meta name="msapplication-TileColor" content="#c62521"> <meta name="msapplication-config" content="/assets/img/favicon/browserconfig.xml"> <meta name="theme-color" content="#ffffff"> <meta name="twitter:card" content="summary" /> <meta property="og:url" content="https://www.uss.co.uk/about-us/value-for-money" /> <meta property="og:title" content="Value for money" /> <meta property="og:description" content="Delivering value for money is a key focus for the scheme and our performance in this area is reviewed in depth by the Trustee Board on an annual basis" />  <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-M847VVL');</script>  </head> <body>  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-M847VVL" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false" xmlns:xlink="http://www.w3.org/1999/xlink" width="0" height="0" style="position:absolute"> <symbol id="USS-logo" viewBox="0 0 120 116"> <path fill="#c62521" d="M120 58c0 32-26.86 58-60 58S0 90 0 58 26.86 0 60 0s60 26 60 58"></path> <path fill="#fff" d="M38.44 46.67v.68a5.21 5.21 0 0 0-2.84.71c-.43.37-.65 1.23-.65 2.58v11.73a10 10 0 0 0 .82 4.49q1.51 2.94 5.76 2.94 4.65 0 6.24-3a11.6 11.6 0 0 0 .89-5.19v-9.55c0-2-.25-3.25-.74-3.75a4.53 4.53 0 0 0-2.82-1v-.68h8.78v.68a4.4 4.4 0 0 0-2.88 1c-.45.53-.67 1.76-.67 3.68v9.61a12.2 12.2 0 0 1-1.21 5.93q-2.22 3.91-8.44 3.92t-8.38-3.87a10.89 10.89 0 0 1-1.2-5.48V50.64a3.56 3.56 0 0 0-.64-2.57 5.24 5.24 0 0 0-2.78-.72v-.68zM55 63.55a12.93 12.93 0 0 0 2.26 3.94 7.15 7.15 0 0 0 5.6 2.56A4.75 4.75 0 0 0 66 68.94a3.82 3.82 0 0 0 1.32-3.1A4.27 4.27 0 0 0 66 62.73a24.16 24.16 0 0 0-3.66-2.53l-3.24-2a11.36 11.36 0 0 1-2.33-1.81 5.51 5.51 0 0 1-1.61-3.83 6.17 6.17 0 0 1 1.9-4.56 7 7 0 0 1 5-1.84 9.83 9.83 0 0 1 3.13.62 13.26 13.26 0 0 0 2.08.61 1.19 1.19 0 0 0 1-.32 2.27 2.27 0 0 0 .42-.91h.78l.83 7.8h-.91a8.22 8.22 0 0 0-3-4.92 7.18 7.18 0 0 0-4-1.4 4.35 4.35 0 0 0-2.71.89A2.93 2.93 0 0 0 58.52 51a3.53 3.53 0 0 0 .89 2.42 11.41 11.41 0 0 0 2.75 2.13l3.34 2a17.35 17.35 0 0 1 4.41 3.42 5.77 5.77 0 0 1 1.26 3.72 6.11 6.11 0 0 1-2.25 4.82 8.51 8.51 0 0 1-5.75 1.93 11.83 11.83 0 0 1-3.68-.64 14.94 14.94 0 0 0-2.19-.65.93.93 0 0 0-.9.4 2.5 2.5 0 0 0-.31.84h-.83l-1.13-7.81zm19.55 0a13.14 13.14 0 0 0 2.26 3.94 7.15 7.15 0 0 0 5.6 2.56 4.73 4.73 0 0 0 3.14-1.11 3.82 3.82 0 0 0 1.32-3.1 4.23 4.23 0 0 0-1.33-3.11 24.16 24.16 0 0 0-3.66-2.53l-3.24-2a11.36 11.36 0 0 1-2.33-1.81 5.51 5.51 0 0 1-1.61-3.83A6.17 6.17 0 0 1 76.61 48a7 7 0 0 1 5.06-1.84 9.83 9.83 0 0 1 3.12.62 13.26 13.26 0 0 0 2.08.61 1.19 1.19 0 0 0 1-.32 2.27 2.27 0 0 0 .42-.91H89l.83 7.8H89A8.17 8.17 0 0 0 86 49a7.16 7.16 0 0 0-4-1.4 4.35 4.35 0 0 0-2.71.89A2.93 2.93 0 0 0 78.07 51a3.53 3.53 0 0 0 .93 2.4 11.29 11.29 0 0 0 2.76 2.13l3.33 2a17.35 17.35 0 0 1 4.41 3.42 5.77 5.77 0 0 1 1.26 3.72 6.11 6.11 0 0 1-2.25 4.82 8.51 8.51 0 0 1-5.75 1.93 11.83 11.83 0 0 1-3.76-.65 14.56 14.56 0 0 0-2.19-.65 1 1 0 0 0-.9.4 2.48 2.48 0 0 0-.3.84h-.84l-1.13-7.81z"> </path> </symbol> <symbol id="USS-logotype" viewBox="0 0 710 144"> <path fill="#c62521" fill-rule="evenodd" d="M146.9 72c0 39.76-32.88 72-73.45 72S0 111.76 0 72 32.88 0 73.45 0s73.45 32.24 73.45 72"></path> <path fill="#fff" fill-rule="evenodd" d="M689.78 77.8a1.57 1.57 0 0 0-1 .37 4.62 4.62 0 0 0-.92 1 7.84 7.84 0 0 0-.7 1.22c-.19.43-.34.76-.44 1a3.23 3.23 0 0 0-.31 1.09l-.06.61c.31-.27.63-.57 1-.89l1.49-1.45a6.66 6.66 0 0 0 .45-.5 6.8 6.8 0 0 0 .5-.71c.16-.26.3-.52.43-.78a1.41 1.41 0 0 0 .18-.61.35.35 0 0 0-.06-.21.7.7 0 0 0-.56-.14zm-400.5.2a1.5 1.5 0 0 0-1.06.43 5.33 5.33 0 0 0-1 1.14 9 9 0 0 0-.71 1.38c-.21.49-.36.87-.46 1.13a3.89 3.89 0 0 0-.31 1.25c0 .23-.05.46-.07.69.32-.31.65-.64 1-1l1.54-1.65a7 7 0 0 0 .46-.56 8 8 0 0 0 .51-.81 9.29 9.29 0 0 0 .45-.89 1.76 1.76 0 0 0 .18-.69.35.35 0 0 0-.06-.24.67.67 0 0 0-.47-.18zm74.47-.12a1.56 1.56 0 0 0-1.08.45 6.36 6.36 0 0 0-.95 1.2A10 10 0 0 0 361 81c-.21.52-.36.92-.46 1.2a4.26 4.26 0 0 0-.32 1.32c0 .25-.05.49-.07.73.33-.32.66-.68 1-1.06l1.54-1.76a4.31 4.31 0 0 0 .47-.59 7.84 7.84 0 0 0 .52-.86c.17-.31.32-.63.46-.94a1.93 1.93 0 0 0 .18-.73.35.35 0 0 0-.07-.26.67.67 0 0 0-.5-.15zM548.62 79a1.54 1.54 0 0 0-1.08.45 5.58 5.58 0 0 0-.95 1.18 8.76 8.76 0 0 0-.73 1.43c-.21.51-.36.9-.46 1.18a4.2 4.2 0 0 0-.32 1.3c0 .24-.05.48-.06.71.32-.31.65-.66 1-1l1.55-1.72A4.81 4.81 0 0 0 548 82a8.55 8.55 0 0 0 .52-.84c.17-.31.32-.62.46-.93a1.89 1.89 0 0 0 .18-.72.39.39 0 0 0-.07-.25.67.67 0 0 0-.47-.26zm-353.36-1.1a19.56 19.56 0 0 1-.9 1.92c-.37.69-.72 1.4-1.06 2.1a21.8 21.8 0 0 0-.85 2.12 6.75 6.75 0 0 0-.33 2.08 1.93 1.93 0 0 0 .78 1.78 3.5 3.5 0 0 0 3.75 0 8.36 8.36 0 0 0 3.54-3.46 4.49 4.49 0 0 0 .58-2.16 3.87 3.87 0 0 0-.19-1.28 3.66 3.66 0 0 0-.82-1.47 4.06 4.06 0 0 0-1.28-.92 6.43 6.43 0 0 0-1.61-.5c-.52-.04-1.06-.11-1.61-.17zm257.9-.27c-.26.72-.55 1.44-.88 2.14s-.72 1.57-1 2.35-.61 1.58-.84 2.36a8.34 8.34 0 0 0-.33 2.32 2.29 2.29 0 0 0 .77 2 3.12 3.12 0 0 0 3.7 0 7.75 7.75 0 0 0 2-1.62A8.91 8.91 0 0 0 458 85a5.59 5.59 0 0 0 .57-2.41 4.76 4.76 0 0 0-.19-1.43 4.42 4.42 0 0 0-.81-1.64 4.11 4.11 0 0 0-1.26-1 5.67 5.67 0 0 0-1.59-.56c-.49-.14-1.02-.22-1.56-.29zm-100.52.25a2.86 2.86 0 0 0-1.06.26 9.77 9.77 0 0 0-1.58.91 18.12 18.12 0 0 0-6.59 7.17c-.18.69-.4 1.44-.62 2.17-.17.56-.32 1.11-.46 1.64a15.85 15.85 0 0 0 4.12-1.32 16.33 16.33 0 0 0 3.83-2.53A12.21 12.21 0 0 0 352.9 83a7.05 7.05 0 0 0 1-3.47 1.91 1.91 0 0 0-.38-1.15 1 1 0 0 0-.88-.46zm335.09-1.37c1.65-.93 3.22-.87 4-.12a1.85 1.85 0 0 1 .64 1.45 4.59 4.59 0 0 1-.94 2.43 9.4 9.4 0 0 1-1.23 1.33c-.57.52-1.14 1-1.72 1.55s-1.1 1-1.55 1.33a5.47 5.47 0 0 0-.57.52 3 3 0 0 0 .21.9 4 4 0 0 0 .63 1.09 3.49 3.49 0 0 0 1 .87 3.12 3.12 0 0 0 1.53.34 11.43 11.43 0 0 0 3.26-.5 21.73 21.73 0 0 0 3.25-1.28 30.4 30.4 0 0 0 3-1.69c.93-.61 1.73-1.17 2.39-1.67a.84.84 0 0 1 1 .07.65.65 0 0 1 .3.5.32.32 0 0 1-.19.32c-.68.59-1.55 1.25-2.56 2a34 34 0 0 1-3.26 2.05 23.52 23.52 0 0 1-3.86 1.63 12.64 12.64 0 0 1-4 .67 6 6 0 0 1-3-.65 5 5 0 0 1-1.73-1.5 5 5 0 0 1-.81-1.7 11.71 11.71 0 0 1-.26-1.24 4 4 0 0 1 0-.74 8.42 8.42 0 0 1 .67-3.35 10.85 10.85 0 0 1 1.65-2.72 8.41 8.41 0 0 1 2.15-1.85zm-494-.69c1 .18 2 .35 3.09.48a16.47 16.47 0 0 1 3.24.72 6.65 6.65 0 0 1 2.59 1.53 4 4 0 0 1 1.06 3 7.15 7.15 0 0 1-.8 3.24 9.59 9.59 0 0 1-2.19 2.79 11.41 11.41 0 0 1-3.15 2 9.78 9.78 0 0 1-3.79.75 6.21 6.21 0 0 1-3-.7 2.89 2.89 0 0 1-1.5-2.63v-.33a8.51 8.51 0 0 1 .5-2.73 20.77 20.77 0 0 1 1.14-2.74 25.25 25.25 0 0 1 1.33-2.35c.3-.48.55-.86.74-1.15a.67.67 0 0 1-.48-.65 1.1 1.1 0 0 1 .48-.87 1.33 1.33 0 0 1 .73-.32zm17.45-3.61a.51.51 0 0 1 .55.52 17 17 0 0 1-.16 2.1l-.33 2.54c-.12.86-.23 1.68-.36 2.46q0 .19-.06.36a15.38 15.38 0 0 1 4.79-4.15A13.55 13.55 0 0 1 222 74.3a6.56 6.56 0 0 1 2 .27 2 2 0 0 1 1.28 1.08V76a.51.51 0 0 1-.56.52 5.13 5.13 0 0 1-1.1-.21 6.17 6.17 0 0 0-3.62.19 12.22 12.22 0 0 0-2.14 1 15.73 15.73 0 0 0-1.86 1.19c-.58.45-1 .85-1.41 1.18a23 23 0 0 0-2.16 2.36 16.33 16.33 0 0 0-1.58 2.46 15.49 15.49 0 0 0-1.13 2.79 22.33 22.33 0 0 0-.73 3.43c-.08.49-.63.75-1 .9a4.46 4.46 0 0 1-1.49.31c-.82 0-1-.35-1-.64a3.44 3.44 0 0 1 .09-.77 2.22 2.22 0 0 0 .07-.54v-.09c.5-2 1.05-4.47 1.64-7.26s1.08-5.69 1.48-8.62a2.07 2.07 0 0 1 1-1.42 2.77 2.77 0 0 1 1.39-.53zM528.84 48.8a.52.52 0 0 1 .58.12.62.62 0 0 1 .11.5 57 57 0 0 1-1.66 7.2c-.9 3.19-2 7.44-3.52 13-.38 1.36-.73 2.79-1.06 4.25s-.63 2.86-.93 4.18l-.8 3.63c0 .23-.1.44-.14.64l.42-.67c.16-.26.36-.54.61-.87a10.66 10.66 0 0 1 2.43-2.45 4.14 4.14 0 0 1 3.42-.53 2 2 0 0 1 1.25 1 10 10 0 0 1 .75 1.82c.21.67.39 1.39.55 2.12a13.87 13.87 0 0 0 .53 1.88 22.87 22.87 0 0 0 1.1 2.65 8.05 8.05 0 0 0 1.61 2.27 3 3 0 0 0 2 .94h.13a6.15 6.15 0 0 0 2.16-.4 11 11 0 0 0 2.26-1.08c.45-.3.87-.55 1.26-.77 0-.13 0-.28-.06-.38a5.71 5.71 0 0 1-.05-.88 11.17 11.17 0 0 1 .69-4 13.2 13.2 0 0 1 1.73-3.2 8.75 8.75 0 0 1 2.28-2.2c1.71-1.1 3.35-1 4.22-.14a2.36 2.36 0 0 1 .66 1.71 5.86 5.86 0 0 1-1 2.87 10.15 10.15 0 0 1-1.28 1.57c-.59.62-1.19 1.23-1.79 1.83s-1.15 1.13-1.62 1.57a7 7 0 0 0-.59.61 3.65 3.65 0 0 0 .22 1.06A4.8 4.8 0 0 0 546 90a3.84 3.84 0 0 0 1.1 1 3 3 0 0 0 1.59.4 10.36 10.36 0 0 0 3.4-.59 20.05 20.05 0 0 0 3.39-1.51 29.18 29.18 0 0 0 3.09-2c1-.72 1.81-1.38 2.49-2a.8.8 0 0 1 1.09.08.79.79 0 0 1 .31.59.43.43 0 0 1-.19.38c-.72.7-1.62 1.47-2.67 2.31a32.67 32.67 0 0 1-3.53 2.43A23.11 23.11 0 0 1 552 93a12.12 12.12 0 0 1-4.19.79 5.68 5.68 0 0 1-3.09-.76 5.78 5.78 0 0 1-1.72-1.74 7 7 0 0 1-.69-1.51 21.36 21.36 0 0 1-2.82 1.94 8.25 8.25 0 0 1-3.61 1.12 5.38 5.38 0 0 1-3.4-1 11.35 11.35 0 0 1-3.07-3.66 12.87 12.87 0 0 1-1-2.29c-.24-.77-.5-1.54-.77-2.31-.11-.38-.22-.84-.35-1.39a5 5 0 0 0-.46-1.32 1 1 0 0 0-.52-.54c-.09 0-.28 0-.71.63a82.963 82.963 0 0 0-3.78 5.8 41.92 41.92 0 0 0-3.06 6.2 1.17 1.17 0 0 1-.71.68 3.5 3.5 0 0 1-1 .26 1.7 1.7 0 0 1-.94-.13.77.77 0 0 1-.41-1c.17-.8.34-1.63.52-2.47.11-.56.23-1.12.36-1.67-.8.55-1.75 1.17-2.84 1.85a30 30 0 0 1-4.39 2.27A15 15 0 0 1 505 93.9h-.54a4.22 4.22 0 0 1-3.07-1.2 3.27 3.27 0 0 1-.79-1.79 13.61 13.61 0 0 1-.16-2.47 24.71 24.71 0 0 1 .24-2.85c.13-1 .28-1.89.44-2.76s.31-1.6.47-2.22c.09-.36.15-.62.2-.81-1.16.09-2.26.17-3.29.23s-2.24.12-3.24.16a1 1 0 0 1-.65-.31 2.53 2.53 0 0 1-.52-.59 1 1 0 0 1-.07-.82c.18-.44.75-.5.94-.51l3.16-.24q1.88-.13 4.11-.33c.23-1 .48-2.1.73-3.14s.57-2.24.88-3.37a1.12 1.12 0 0 1 .46-.65 2.59 2.59 0 0 1 .64-.36 1.17 1.17 0 0 1 .68-.06.54.54 0 0 1 .39.69c-.07.42-.17 1-.32 1.7s-.28 1.42-.43 2.15-.29 1.38-.39 2l-.07.39c0 .17 0 .32-.07.44L507 77l2.38-.21c.77-.07 1.53-.15 2.27-.24s1.5-.2 2.28-.34a1.51 1.51 0 0 1 .64.15 1.48 1.48 0 0 1 .6.45.75.75 0 0 1 .12.73c-.09.25-.34.43-.8.57-.93.18-1.78.34-2.6.48s-1.62.27-2.42.38-1.62.2-2.49.29l-2.56.27c-.33 1.53-.61 3.09-.83 4.65a28.9 28.9 0 0 0-.31 4.79 2.57 2.57 0 0 0 .78 2.08 2.85 2.85 0 0 0 2 .46 9.49 9.49 0 0 0 2.88-.74c1.07-.44 2.15-.94 3.21-1.5s2-1.13 2.95-1.71 1.57-1 2.14-1.38c.62-2.46 1.31-5.09 2-7.83s1.64-6.21 2.59-10c.86-3.49 1.73-6.8 2.59-9.84s1.57-5.52 2.12-7.39a3.1 3.1 0 0 1 .58-.94 7.45 7.45 0 0 1 .86-.9 2.51 2.51 0 0 1 .86-.48zM469 74.05a.51.51 0 0 1 .56.52 17.27 17.27 0 0 1-.17 2.11l-.39 2.53c-.11.86-.23 1.69-.36 2.47l-.06.36a15.36 15.36 0 0 1 4.79-4.15 13.55 13.55 0 0 1 6.44-1.78 6.58 6.58 0 0 1 2 .27 2 2 0 0 1 1.27 1.07v.32a.51.51 0 0 1-.55.52 4.92 4.92 0 0 1-1.1-.21 6.08 6.08 0 0 0-3.62.19 12.62 12.62 0 0 0-2.15 1 16.62 16.62 0 0 0-1.88 1.26c-.57.45-1.05.85-1.4 1.18a20.19 20.19 0 0 0-2.12 2.29 15.64 15.64 0 0 0-1.59 2.46 17.11 17.11 0 0 0-1.13 2.79 23.44 23.44 0 0 0-.73 3.42c-.07.5-.63.76-1 .91a4.33 4.33 0 0 1-1.48.3c-.82 0-1-.34-1-.63a3.46 3.46 0 0 1 .1-.77 2.86 2.86 0 0 0 .07-.54v-.09c.51-2 1.06-4.47 1.64-7.26s1.09-5.69 1.48-8.62a2.06 2.06 0 0 1 1-1.42 2.72 2.72 0 0 1 1.38-.5zM351.77 48.77a.69.69 0 0 1 .77.72 25.27 25.27 0 0 1-.7 3.74c-.46 2-1.06 4.51-1.79 7.41s-1.56 6.18-2.48 9.71c-.8 3.11-1.65 6.3-2.52 9.51l.58-.54A17.84 17.84 0 0 1 347 78.2a13.88 13.88 0 0 1 1.8-1.09 14.2 14.2 0 0 1 2-.84 6.65 6.65 0 0 1 2-.34 3.85 3.85 0 0 1 3 1.19 4.06 4.06 0 0 1 1.07 2.79 6.9 6.9 0 0 1-.34 2 12.33 12.33 0 0 1-.87 2 10.87 10.87 0 0 1-1.23 1.81 12.45 12.45 0 0 1-1.4 1.41 27.64 27.64 0 0 1-2.69 2 18 18 0 0 1-2.68 1.4 25.27 25.27 0 0 1-2.9 1c-.95.26-2 .49-3.16.69-.22.42-.43.78-.61 1.08s-.84.63-1.75.63a1.56 1.56 0 0 1-.66-.13.66.66 0 0 1-.42-.64.72.72 0 0 1 .09-.34c.22-.82.61-2.21 1.15-4.09-.42.2-.83.4-1.26.59-2.79 1.23-5.45 1.41-7.57 0a6.88 6.88 0 0 1-2.45-3.45c-.34-.85-.65-1.72-.9-2.57s-.48-1.54-.75-2.32a1.28 1.28 0 0 0-.23.14 5.56 5.56 0 0 0-.68.57c-.22.23-.44.47-.64.72s-.35.44-.45.58q-.87 1.06-1.53 2c-.44.61-.88 1.23-1.32 1.88l-1.38 2c-.47.7-1 1.51-1.69 2.41a1.92 1.92 0 0 1-.95.65 3.68 3.68 0 0 1-1.09.19c-.57 0-.94-.16-1.1-.48a7 7 0 0 1-1-2.42c-.19-.88-.35-1.81-.47-2.75s-.21-1.86-.28-2.74a16.7 16.7 0 0 0-.32-2.35 4.36 4.36 0 0 0-.64-1.59 1.22 1.22 0 0 0-1.08-.51 2 2 0 0 0-1 .34 6 6 0 0 0-1.33 1.18 29.86 29.86 0 0 0-2.53 3.26 36.68 36.68 0 0 0-2 3.38 29.39 29.39 0 0 0-1.37 3 6.18 6.18 0 0 0-.49 2c0 .28-.14.67-.8 1a3.5 3.5 0 0 1-1.3.28c-.93 0-1-.5-1-.72v-.1c.31-1.55.62-3 .95-4.43.15-.68.29-1.37.44-2.06l-1.15.92a32.46 32.46 0 0 1-3.48 2.34 23.42 23.42 0 0 1-4 1.86 12 12 0 0 1-4.14.76 5.41 5.41 0 0 1-4.84-2.44 6.28 6.28 0 0 1-.83-1.92c-1 .5-1.93 1-2.94 1.43-2.79 1.23-5.46 1.41-7.58 0a6.87 6.87 0 0 1-2.44-3.45 26.2 26.2 0 0 1-.9-2.57c-.23-.76-.48-1.54-.75-2.32a1 1 0 0 0-.23.14 4.89 4.89 0 0 0-.68.57 8.67 8.67 0 0 0-.64.72c-.2.25-.35.44-.45.58-.58.71-1.1 1.37-1.53 2s-.89 1.23-1.33 1.88l-1.38 2c-.46.7-1 1.51-1.69 2.41a1.94 1.94 0 0 1-.94.65 3.8 3.8 0 0 1-1.1.19c-.57 0-.94-.16-1.09-.48a7 7 0 0 1-1-2.42c-.18-.88-.34-1.81-.46-2.75s-.21-1.86-.28-2.74a18.22 18.22 0 0 0-.33-2.35 4.19 4.19 0 0 0-.64-1.59 1.19 1.19 0 0 0-1.07-.51 2 2 0 0 0-1 .34 5.62 5.62 0 0 0-1.33 1.18 28.68 28.68 0 0 0-2.53 3.26 34.74 34.74 0 0 0-2 3.38 27.1 27.1 0 0 0-1.36 3 6.18 6.18 0 0 0-.49 2c0 .28-.14.67-.81 1a3.45 3.45 0 0 1-1.29.28c-.93 0-1-.5-1-.72v-.1c.31-1.55.63-3 .95-4.43s.62-2.8.9-4.19.52-2.8.76-4.2.44-2.87.61-4.39a1.88 1.88 0 0 1 .8-1.19 2.05 2.05 0 0 1 1.25-.61.55.55 0 0 1 .56.61c-.27 2.87-.61 5.76-1 8.63a37.33 37.33 0 0 1 2.38-3 17.37 17.37 0 0 1 2.4-2.29 6.44 6.44 0 0 1 1.88-1 3.43 3.43 0 0 1 3.48.48 5.35 5.35 0 0 1 1.17 1.81 13.7 13.7 0 0 1 .7 2.48c.17.91.32 1.84.44 2.78s.24 1.84.36 2.72a15.84 15.84 0 0 0 .34 1.81c.05-.07.12-.16.19-.27.31-.44.66-.94 1.05-1.52l1.2-1.78c.42-.63.75-1.1 1-1.45l1.33-1.78a18.3 18.3 0 0 1 1.53-1.83 8.89 8.89 0 0 1 1.72-1.45 3.58 3.58 0 0 1 2-.61 1.65 1.65 0 0 1 1.47.92 7.78 7.78 0 0 1 .77 2c.21.75.42 1.57.65 2.47a11.22 11.22 0 0 0 .86 2.41 5.55 5.55 0 0 0 1.41 1.79 3.47 3.47 0 0 0 2.25.69 6.45 6.45 0 0 0 2.78-.64c.94-.43 1.8-.87 2.59-1.31l.24-.1a4.69 4.69 0 0 1 0-.75 10.47 10.47 0 0 1 .68-3.8 12.55 12.55 0 0 1 1.7-3.09 8.75 8.75 0 0 1 2.26-2.11c1.69-1.06 3.31-1 4.17-.13a2.23 2.23 0 0 1 .65 1.64 5.56 5.56 0 0 1-1 2.76 10.07 10.07 0 0 1-1.27 1.51c-.58.59-1.17 1.18-1.77 1.76s-1.12 1.09-1.59 1.51a5.91 5.91 0 0 0-.58.59 3.7 3.7 0 0 0 .21 1 4.34 4.34 0 0 0 .65 1.24 3.68 3.68 0 0 0 1.08 1 3 3 0 0 0 1.57.39 10.92 10.92 0 0 0 3.36-.57 20.13 20.13 0 0 0 3.37-1.59 29.9 29.9 0 0 0 3.09-1.86c1-.69 1.79-1.33 2.46-1.9a.4.4 0 0 1 .21-.12c.25-1.29.49-2.6.7-3.9s.45-2.87.61-4.39a2 2 0 0 1 .8-1.19 2.1 2.1 0 0 1 1.25-.61.55.55 0 0 1 .57.61c-.27 2.87-.62 5.76-1 8.63.89-1.2 1.69-2.2 2.39-3a17.38 17.38 0 0 1 2.39-2.29 6.48 6.48 0 0 1 1.89-1 3.42 3.42 0 0 1 3.47.48 5.2 5.2 0 0 1 1.17 1.75 13.69 13.69 0 0 1 .71 2.48c.17.91.32 1.84.44 2.78s.23 1.84.35 2.72a15.84 15.84 0 0 0 .34 1.81c.06-.07.12-.16.2-.27l1-1.52 1.2-1.78c.42-.63.76-1.1 1-1.45l1.32-1.78a19.75 19.75 0 0 1 1.53-1.83 9.2 9.2 0 0 1 1.72-1.45 3.62 3.62 0 0 1 2-.61 1.65 1.65 0 0 1 1.47.92 8.61 8.61 0 0 1 .77 2c.2.75.42 1.57.64 2.47a11.23 11.23 0 0 0 .87 2.41 5.52 5.52 0 0 0 1.4 1.79 3.48 3.48 0 0 0 2.26.69 6.48 6.48 0 0 0 2.78-.64c.7-.32 1.35-.65 2-1 .41-1.41.84-3 1.32-4.65l2.24-8.1c.8-2.87 1.59-5.81 2.35-8.73s1.49-5.74 2.17-8.43 1.25-5.11 1.69-7.2v-.15l.75-.37.54-.24a1.66 1.66 0 0 1 .71-.17zm27.94 25.28a.48.48 0 0 1 .52.5 15.07 15.07 0 0 1-.16 2l-.3 2.41c-.11.81-.22 1.59-.34 2.33l-.06.34a14.55 14.55 0 0 1 4.51-3.93 12.74 12.74 0 0 1 6.05-1.7 6.45 6.45 0 0 1 1.54.18 6.11 6.11 0 0 1 .53-.47 6.5 6.5 0 0 1 2.08-1 10.06 10.06 0 0 1 3-.39 8.77 8.77 0 0 1 2.25.31 6.12 6.12 0 0 1 2.11 1 1.73 1.73 0 0 1 .37.49 1.31 1.31 0 0 1 .23.68.45.45 0 0 1-.18.34l-.09.06h-.1a1.63 1.63 0 0 1-.69-.22c-.27-.13-.61-.27-1-.42a13.3 13.3 0 0 0-1.37-.42 6.9 6.9 0 0 0-1.63-.18 6 6 0 0 0-2.77.64c-.77.4-1.15.88-1.15 1.48a1 1 0 0 0 .11.46 8.22 8.22 0 0 0 .86 1.79c.37.58.77 1.16 1.19 1.72l.56.78c.23.32.45.64.69.95a7.75 7.75 0 0 1 1.71 4.58 4.55 4.55 0 0 1-.39 1.81 6.22 6.22 0 0 1-1.16 1.83 6.45 6.45 0 0 1-1.78 1.37 5.09 5.09 0 0 1-2.38.56 4.24 4.24 0 0 1-2.74-.69 2.05 2.05 0 0 1-.86-1.54 2.92 2.92 0 0 1 .61-1.73 7.75 7.75 0 0 1 1.46-1.46 2.44 2.44 0 0 1 .31-.22l.29-.15h.09a1.85 1.85 0 0 1 1.1.57.61.61 0 0 1 .09.8l-.09.09a5.91 5.91 0 0 0-1.2 1 1.44 1.44 0 0 0-.42.91.46.46 0 0 0 .27.43 2.27 2.27 0 0 0 1.88 0 2.35 2.35 0 0 0 .87-.57 2.77 2.77 0 0 0 .86-1.08 3.27 3.27 0 0 0 .24-1.18 3.68 3.68 0 0 0-.06-.66 7.58 7.58 0 0 0-.91-2.52s-.46-.81-.73-1.21c-.49-.71-1-1.42-1.43-2.12s-.89-1.42-1.23-2.08a4.63 4.63 0 0 1-.55-2.09 2.36 2.36 0 0 1 .14-.76 6 6 0 0 0-2.39.33 11.85 11.85 0 0 0-2 .93 14.75 14.75 0 0 0-1.77 1.19c-.54.42-1 .8-1.32 1.11a19.52 19.52 0 0 0-2 2.23 15.08 15.08 0 0 0-1.49 2.33 15.65 15.65 0 0 0-1.07 2.64 23 23 0 0 0-.68 3.24c-.08.47-.6.72-1 .86a4.07 4.07 0 0 1-1.4.29c-.77 0-.93-.33-.93-.6a3.63 3.63 0 0 1 .08-.73 2 2 0 0 0 .07-.51v-.08c.29-1.15.59-2.46.9-3.87l-.76.65a35.37 35.37 0 0 1-3.52 2.48 24 24 0 0 1-4 2A11.82 11.82 0 0 1 363 93a5.55 5.55 0 0 1-3.09-.78 5.85 5.85 0 0 1-1.8-1.81 6.44 6.44 0 0 1-.84-2q-.21-1-.27-1.5a5.93 5.93 0 0 1-.05-.9 11.3 11.3 0 0 1 .7-4 13.15 13.15 0 0 1 1.72-3.27 8.9 8.9 0 0 1 2.27-2.24c1.71-1.13 3.35-1 4.21-.14a2.42 2.42 0 0 1 .66 1.74 6 6 0 0 1-1 2.93 11.3 11.3 0 0 1-1.28 1.59c-.59.64-1.19 1.26-1.79 1.87s-1.14 1.15-1.61 1.6a7.06 7.06 0 0 0-.59.63 4.15 4.15 0 0 0 .21 1.08 5.1 5.1 0 0 0 .66 1.32 3.74 3.74 0 0 0 1.09 1 2.89 2.89 0 0 0 1.6.41 10.31 10.31 0 0 0 3.38-.6 19.75 19.75 0 0 0 3.38-1.54 29 29 0 0 0 3.1-2c.91-.69 1.7-1.33 2.36-1.91 0-.11.05-.22.07-.33.55-2.64 1-5.39 1.39-8.15a2 2 0 0 1 1-1.35 2.55 2.55 0 0 1 1.23-.6zM705.5 89.37a5.14 5.14 0 0 1 4.25-.24l.16.09v.17a4.6 4.6 0 0 1 0 1c0 .34-.07.66-.13.93a13.41 13.41 0 0 1-1 2.44l-.06.1h-.1a4.7 4.7 0 0 1-2.08.52A3.59 3.59 0 0 1 705 94l-.14-.07v-.16a6.15 6.15 0 0 1-.15-2.83 2.8 2.8 0 0 1 .72-1.52zM183.12 75a37.18 37.18 0 0 0-4.18 2.8 30.11 30.11 0 0 0-4.36 4.07 21.84 21.84 0 0 0-3.2 4.72 11.14 11.14 0 0 0-1.22 5 7 7 0 0 0 .94 3.84 2.48 2.48 0 0 0 2.1 1.36 4.22 4.22 0 0 0 3.05-1.31 13.77 13.77 0 0 0 2.5-3.49 25.46 25.46 0 0 0 1.83-4.68c.48-1.7.89-3.34 1.22-4.89.28-1.31.55-2.64.78-4 .2-1.06.42-2.21.54-3.42zm23.42-28c.71 0 .77.38.77.5 0 .51-.6.87-1.93 1.18-3.24.76-6.32 1.51-9.17 2.23a85.2 85.2 0 0 0-8.21 2.51c0 2.93-.11 5.89-.22 8.79s-.29 5.66-.55 8.5c1.28-.52 2.61-1 4-1.48 1.53-.53 3-1 4.31-1.42s2.5-.75 3.49-1 1.64-.43 2-.5a4.76 4.76 0 0 1 .84-.06c.9 0 1.36.24 1.36.7s-.41.59-1.58 1L197.92 69c-1.48.48-3.21 1.06-5.15 1.74a61 61 0 0 0-5.88 2.41c-.36 2.68-.82 5.35-1.37 7.94a61.71 61.71 0 0 1-2.21 7.82c-.37 1-.81 2.09-1.31 3.26a18 18 0 0 1-1.94 3.37 11 11 0 0 1-2.77 2.68 6.82 6.82 0 0 1-3.87 1.1 5.8 5.8 0 0 1-2.61-.56 4.91 4.91 0 0 1-1.8-1.51 6.56 6.56 0 0 1-1-2.2 10.18 10.18 0 0 1-.34-2.72 17.07 17.07 0 0 1 .5-4.08 13.91 13.91 0 0 1 1.22-3.34 21.08 21.08 0 0 1 2.29-3.39 30 30 0 0 1 3.24-3.38A40.8 40.8 0 0 1 179 75a36.4 36.4 0 0 1 4.54-2.65c.38-3 .65-6 .79-8.94s.23-5.74.27-8.57l-1.33.6-1.82.87a1.94 1.94 0 0 1-1.93 0 1 1 0 0 1-.46-.81 1.3 1.3 0 0 1 .88-1.16 44.9 44.9 0 0 1 4.9-2.07c1.79-.64 3.64-1.24 5.52-1.79s3.72-1 5.54-1.44 3.49-.78 4.95-1.07 2.74-.53 3.77-.7a16.42 16.42 0 0 1 1.92-.27zm199 41.54h.1a4.85 4.85 0 0 1 .59.27 6.25 6.25 0 0 0 .72.33h.13v.17a8.5 8.5 0 0 1 .14 3.32 16.28 16.28 0 0 1-2.23 5.58c-1.17 1.91-2.36 2.89-3.53 2.89a2 2 0 0 1-.48-.06h-.87l.71-.64a10.06 10.06 0 0 0 3.54-6.13 7.51 7.51 0 0 0-.41-4.16l-.13-.32.24-.17c.16-.11.34-.24.55-.41l.8-.67zm176.36-2.13l-.19.13a17.91 17.91 0 0 0-2 1.6 31.69 31.69 0 0 0-2.92 3.15 41.23 41.23 0 0 0-3.06 4.18 28.22 28.22 0 0 0-2.39 4.63 12.21 12.21 0 0 0-.94 4.48 4.61 4.61 0 0 0 .35 1.88 1.25 1.25 0 0 0 1.27.66 3.16 3.16 0 0 0 1.41-.4 6.82 6.82 0 0 0 1.73-1.39 8.22 8.22 0 0 0 1.54-2.33c.48-1 1-2.23 1.44-3.51s.92-2.64 1.34-4 .81-2.77 1.14-4.06.64-2.44.89-3.48c.15-.61.27-1.12.39-1.54zm-148.14 0l-.19.13a18.14 18.14 0 0 0-1.9 1.6 30.77 30.77 0 0 0-2.86 3.15 42.26 42.26 0 0 0-3 4.18 28.73 28.73 0 0 0-2.34 4.63 12.37 12.37 0 0 0-.92 4.48 4.61 4.61 0 0 0 .35 1.88 1.19 1.19 0 0 0 1.23.66 3.05 3.05 0 0 0 1.38-.4 6.55 6.55 0 0 0 1.69-1.39 8.23 8.23 0 0 0 1.46-2.33c.47-1 .95-2.23 1.41-3.51s.9-2.64 1.31-4 .78-2.77 1.11-4.06.62-2.44.87-3.48c.16-.61.29-1.12.4-1.54zm165.38-37.64a4.69 4.69 0 0 1 3.39 1.41 5.7 5.7 0 0 1 1.47 4.24 2.29 2.29 0 0 1-.24 1.08 1.28 1.28 0 0 1-1.24.55 1.74 1.74 0 0 1-.9-.25 1 1 0 0 1-.48-.88v-.56a4.26 4.26 0 0 0-.7-2.61 2 2 0 0 0-1.68-.89 3.07 3.07 0 0 0-2.22 1 12 12 0 0 0-2 2.6 23.93 23.93 0 0 0-1.54 3.25c-.47 1.15-.82 2.1-1.09 2.9-.44 1.28-.93 2.88-1.44 4.76s-1.06 3.86-1.61 5.87-1.06 4-1.55 5.87l-1.09 4.23c2-.8 3.76-1.44 5.23-1.91s3-.89 4.06-1.15 1.93-.42 2.51-.49l.56-.06v-.11c.29-.88.48-1.56.59-2a1.29 1.29 0 0 1 .93-.81 4 4 0 0 1 1.3-.24c.83 0 .92.46.92.66v.13c-.19.8-.44 1.68-.74 2.62s-.57 1.85-.84 2.82-.49 1.92-.68 2.88a14.92 14.92 0 0 0-.27 2.77c0 .34 0 .7.05 1.07a4.9 4.9 0 0 0 .19 1 2.23 2.23 0 0 0 .35.69.52.52 0 0 0 .42.19 2.91 2.91 0 0 0 1.53-.63 15.94 15.94 0 0 0 1.92-1.57c.63-.6 1.22-1.21 1.74-1.81s.88-1.05 1.08-1.31a12 12 0 0 0 1.14-1.88 23.62 23.62 0 0 1 1.22-2.2 8.46 8.46 0 0 1 1.45-1.79 2.8 2.8 0 0 1 2-.79c.49 0 .66.29.66.56v.2c-.1.92-.26 2-.48 3.38a23.81 23.81 0 0 0-.33 3.94c0 .57 0 1.13.08 1.68a5.19 5.19 0 0 0 .33 1.46 2.65 2.65 0 0 0 .68 1c.67.59 1.91.41 3.35-.26a20.89 20.89 0 0 0 2.65-1.38c.88-.56 1.71-1.12 2.45-1.67s1.36-1 1.77-1.25l.66-.26c0-.23 0-.46.07-.7.14-1 .29-1.92.45-2.8s.31-1.66.47-2.31c.09-.35.16-.63.22-.85l-3.2.22c-1.14.07-2.2.12-3.19.15a1.51 1.51 0 0 1-1.28-1.32c0-.56.72-.71 1-.76a15.08 15.08 0 0 1 1.9-.26c.77-.07 1.63-.13 2.61-.18s1.78-.1 2.68-.17c.1-.53.22-1.15.37-1.87s.38-1.65.6-2.42a9.76 9.76 0 0 1 .81-2 1.59 1.59 0 0 1 1.34-1 .55.55 0 0 1 .61.56 8.7 8.7 0 0 1-.2 1.64l-.43 2.11c-.16.73-.3 1.4-.44 2-.07.32-.13.58-.17.79l2.21-.18 2.34-.2c.76-.07 1.5-.14 2.22-.23s1.48-.19 2.25-.32a1.3 1.3 0 0 1 .85.26.93.93 0 0 1 .53.8c0 .4-.42.65-1.51.91a27.71 27.71 0 0 1-3 .54c-1.15.15-2.34.29-3.54.41l-2.66.26c-.31 1.43-.57 2.88-.78 4.3a30.27 30.27 0 0 0-.33 4.41 3.55 3.55 0 0 0 .5 2.29c.79.88 2.3.8 4.16.07a23.33 23.33 0 0 0 2.91-1.38c1-.54 1.85-1.07 2.66-1.59.5-.33.92-.59 1.3-.82.05-.37.09-.73.17-1.12.23-1.17.5-2.32.81-3.43s.62-2.13.91-3 .49-1.56.59-2a1.31 1.31 0 0 1 .93-.81 4 4 0 0 1 1.31-.24c.82 0 .91.46.91.66v.13c-.19.8-.44 1.68-.74 2.62s-.57 1.85-.83 2.82-.5 1.92-.68 2.88a14.15 14.15 0 0 0-.28 2.77v1.07a4.9 4.9 0 0 0 .19 1 2.23 2.23 0 0 0 .35.69.52.52 0 0 0 .42.19 2.91 2.91 0 0 0 1.53-.63 16.83 16.83 0 0 0 1.93-1.57c.63-.6 1.21-1.21 1.73-1.81s.89-1.05 1.08-1.31a12 12 0 0 0 1.14-1.88 23.62 23.62 0 0 1 1.25-2.21 8.46 8.46 0 0 1 1.45-1.79 2.82 2.82 0 0 1 2-.79c.49 0 .67.29.67.56v.2c-.11.92-.27 2-.49 3.38a23.81 23.81 0 0 0-.33 3.94c0 .57 0 1.13.08 1.68a5.19 5.19 0 0 0 .33 1.46 2.54 2.54 0 0 0 .68 1c.67.59 1.92.41 3.35-.26a20.89 20.89 0 0 0 2.65-1.38c.88-.56 1.71-1.12 2.45-1.67s1.1-.78 1.48-1c.16-.66.31-1.35.46-2.07.54-2.49 1-5.07 1.37-7.67a1.88 1.88 0 0 1 1-1.27 2.7 2.7 0 0 1 1.23-.48.46.46 0 0 1 .51.47 13.28 13.28 0 0 1-.15 1.87l-.31 2.26c-.1.77-.21 1.5-.33 2.2v.32a14.09 14.09 0 0 1 4.43-3.7 13 13 0 0 1 6-1.58 6.34 6.34 0 0 1 1.85.24 1.81 1.81 0 0 1 1.18 1v.28a.47.47 0 0 1-.51.47 5.33 5.33 0 0 1-1-.19 5.84 5.84 0 0 0-3.35.17 11.32 11.32 0 0 0-2 .87 15 15 0 0 0-1.75 1.12c-.53.4-1 .75-1.3 1a17.64 17.64 0 0 0-2 2.1 14 14 0 0 0-1.47 2.19 14.67 14.67 0 0 0-1.05 2.48 20.71 20.71 0 0 0-.67 3c-.08.44-.59.68-1 .81a4.14 4.14 0 0 1-1.37.27c-.76 0-.92-.3-.92-.56a3.25 3.25 0 0 1 .08-.69 1.74 1.74 0 0 0 .07-.48v-.08l.48-1.9-.51.43a15 15 0 0 1-3.35 2.27 22.11 22.11 0 0 1-2.29 1 8.05 8.05 0 0 1-3 .57c-1.76 0-3-.57-3.54-1.69a8.91 8.91 0 0 1-.84-4.16v-2c-.48.67-1 1.33-1.51 2a23 23 0 0 1-2.5 2.68 13.77 13.77 0 0 1-2.76 2 6.38 6.38 0 0 1-3 .77 3 3 0 0 1-2.72-1.15 5.38 5.38 0 0 1-.74-3.07l-1 .71a31.46 31.46 0 0 1-2.68 1.65 21.16 21.16 0 0 1-3.11 1.33 9.61 9.61 0 0 1-3.21.61 5.89 5.89 0 0 1-1.53-.19 3.31 3.31 0 0 1-1.37-.73 3.63 3.63 0 0 1-1-1.47 6.63 6.63 0 0 1-.36-2.4v-.39c-.65.54-1.29 1.09-1.92 1.64a15 15 0 0 1-3.35 2.27 21.19 21.19 0 0 1-2.29 1 8.05 8.05 0 0 1-3 .57c-1.76 0-2.95-.57-3.54-1.69a8.91 8.91 0 0 1-.84-4.16c0-.54 0-1.09.05-1.62v-.38c-.48.67-1 1.33-1.51 2a22.24 22.24 0 0 1-2.51 2.68 13.23 13.23 0 0 1-2.76 2 6.31 6.31 0 0 1-3 .77 3 3 0 0 1-2.72-1.15 5.38 5.38 0 0 1-.75-3.07 17.57 17.57 0 0 1 .35-3.29c.22-1.17.5-2.32.81-3.43l.31-1.06-2.12.48a46.35 46.35 0 0 0-4.45 1.37 40.41 40.41 0 0 0-6 2.83c-.19.67-.42 1.63-.69 2.86s-.63 2.79-1 4.41-.85 3.32-1.33 5.06-1 3.46-1.64 5.06a28.21 28.21 0 0 1-2 4.34 9.23 9.23 0 0 1-2.48 2.92 7.88 7.88 0 0 1-1.8.93 5.66 5.66 0 0 1-1.89.35 4.89 4.89 0 0 1-2.14-.44 4 4 0 0 1-1.49-1.21 5 5 0 0 1-.82-1.76 9.11 9.11 0 0 1-.23-2 13.13 13.13 0 0 1 .46-3.36 14.35 14.35 0 0 1 1.1-2.88 55.46 55.46 0 0 1 2.94-5.08 36.59 36.59 0 0 1 3-4 34.61 34.61 0 0 1 3.56-3.51 43.85 43.85 0 0 1 4.06-3.07l.17-.55c.37-1.38.76-2.93 1.19-4.66s.88-3.53 1.38-5.42 1-3.77 1.57-5.72 1.17-3.82 1.82-5.61a47.14 47.14 0 0 1 2.15-5.09 24.4 24.4 0 0 1 2.57-4.2 8 8 0 0 1 2.58-2.14 6.11 6.11 0 0 1 2.81-.77zm-148.54 0a4.53 4.53 0 0 1 3.32 1.41 5.81 5.81 0 0 1 1.41 4.24 2.29 2.29 0 0 1-.24 1.08 1.25 1.25 0 0 1-1.21.55 1.67 1.67 0 0 1-.88-.25 1 1 0 0 1-.47-.88v-.56a4.4 4.4 0 0 0-.68-2.61 2 2 0 0 0-1.65-.89 3 3 0 0 0-2.17 1 12.52 12.52 0 0 0-1.92 2.6 26.4 26.4 0 0 0-1.52 3.22c-.45 1.15-.8 2.1-1.06 2.9-.43 1.28-.9 2.88-1.41 4.76s-1 3.86-1.57 5.87-1 4-1.51 5.87c-.41 1.62-.77 3-1.07 4.23 1.95-.8 3.67-1.44 5.11-1.91s2.91-.89 4-1.15 1.89-.42 2.45-.49c.74-.09.92-.1 1-.1a1 1 0 0 1 .26 0l.16-.29a.74.74 0 0 1-.47-.71 1.28 1.28 0 0 1 .47-1c.33-.29.54-.41.72-.41.95.21 2 .39 3.05.54a14.29 14.29 0 0 1 3.2.8 6.45 6.45 0 0 1 2.55 1.71 4.76 4.76 0 0 1 1.05 3.31 8.69 8.69 0 0 1-.8 3.61 10.67 10.67 0 0 1-2.15 3.12 11.15 11.15 0 0 1-3.11 2.19 8.66 8.66 0 0 1-3.74.84 5.59 5.59 0 0 1-3-.78 3.31 3.31 0 0 1-1.47-2.86v-.38a10.68 10.68 0 0 1 .49-3 25.91 25.91 0 0 1 1.13-3.07c.3-.66.59-1.27.9-1.84-.58.12-1.37.3-2.36.54a44.81 44.81 0 0 0-4.35 1.37 38.73 38.73 0 0 0-5.89 2.83c-.18.67-.41 1.63-.67 2.86s-.62 2.79-1 4.41-.82 3.32-1.29 5.06-1 3.46-1.6 5.06a29.16 29.16 0 0 1-2 4.34 9.27 9.27 0 0 1-2.42 2.92 7.62 7.62 0 0 1-1.76.93 5.39 5.39 0 0 1-1.84.35 4.68 4.68 0 0 1-2.1-.44 3.89 3.89 0 0 1-1.45-1.21 5 5 0 0 1-.8-1.76 8.56 8.56 0 0 1-.23-2 13.11 13.11 0 0 1 .45-3.36 16 16 0 0 1 1.07-2.88 55.8 55.8 0 0 1 2.88-5.08 36.27 36.27 0 0 1 3-4 32.78 32.78 0 0 1 3.36-3.38 43.24 43.24 0 0 1 4-3.07l.17-.55c.36-1.38.75-2.93 1.16-4.66s.87-3.53 1.35-5.42 1-3.77 1.54-5.72 1.14-3.82 1.77-5.61a51.46 51.46 0 0 1 2.1-5.09 25 25 0 0 1 2.52-4.2 7.91 7.91 0 0 1 2.51-2.14 5.91 5.91 0 0 1 2.71-.77zM91.27 78.89A16 16 0 0 0 94 83.78a8.72 8.72 0 0 0 6.89 3.22 5.73 5.73 0 0 0 3.84-1.38 4.77 4.77 0 0 0 1.62-3.84 5.32 5.32 0 0 0-1.63-3.87 29.4 29.4 0 0 0-4.48-3.14l-4-2.42a14.36 14.36 0 0 1-2.85-2.24 6.94 6.94 0 0 1-2-4.76 7.68 7.68 0 0 1 2.34-5.73 8.41 8.41 0 0 1 6.27-2.33 12.16 12.16 0 0 1 3.83.76 16.33 16.33 0 0 0 2.55.77 1.47 1.47 0 0 0 1.19-.4 3.13 3.13 0 0 0 .51-1.13h1L110 67h-1.11q-1.14-4.38-3.64-6.11a8.67 8.67 0 0 0-5-1.74A5.29 5.29 0 0 0 97 60.23a3.67 3.67 0 0 0-1.41 3.06 4.42 4.42 0 0 0 1.08 3 13.91 13.91 0 0 0 3.33 2.64l4.07 2.47a20.85 20.85 0 0 1 5.4 4.25 7.22 7.22 0 0 1 1.55 4.62 7.63 7.63 0 0 1-2.75 6 10.35 10.35 0 0 1-7 2.4 14 14 0 0 1-4.5-.8 16.53 16.53 0 0 0-2.69-.8 1.15 1.15 0 0 0-1.1.49 3.17 3.17 0 0 0-.38 1h-1l-1.4-9.67zM47.05 57.93v.85c-1.78.12-2.94.41-3.47.88s-.79 1.53-.79 3.21v14.55a12.63 12.63 0 0 0 1 5.58q1.86 3.65 7.05 3.65 5.69 0 7.64-3.74a14.61 14.61 0 0 0 1.09-6.44V64.62c0-2.47-.3-4-.91-4.65a5.5 5.5 0 0 0-3.44-1.19v-.85H66v.85c-1.8.19-3 .62-3.52 1.27s-.83 2.19-.83 4.57v11.85a15.11 15.11 0 0 1-1.48 7.35q-2.75 4.88-10.37 4.87t-10.25-4.8a13.55 13.55 0 0 1-1.48-6.8V62.87c0-1.66-.26-2.73-.78-3.19a6.23 6.23 0 0 0-3.41-.9v-.85zm20.28 20.96a16.45 16.45 0 0 0 2.76 4.89A8.74 8.74 0 0 0 77 87a5.72 5.72 0 0 0 3.83-1.38 4.77 4.77 0 0 0 1.62-3.84 5.29 5.29 0 0 0-1.63-3.87 28.87 28.87 0 0 0-4.48-3.14l-4-2.42a14.36 14.36 0 0 1-2.85-2.24 6.9 6.9 0 0 1-2-4.76 7.68 7.68 0 0 1 2.34-5.73A8.45 8.45 0 0 1 76 57.29a12.1 12.1 0 0 1 3.82.76 17 17 0 0 0 2.55.77 1.46 1.46 0 0 0 1.19-.4 2.83 2.83 0 0 0 .51-1.13h1l1 9.69H85c-.75-2.92-2-5-3.64-6.11a8.66 8.66 0 0 0-5-1.74 5.27 5.27 0 0 0-3.32 1.1 3.65 3.65 0 0 0-1.42 3.06 4.38 4.38 0 0 0 1.09 3 13.83 13.83 0 0 0 3.37 2.64l4.08 2.47a21.21 21.21 0 0 1 5.4 4.25 7.22 7.22 0 0 1 1.55 4.62 7.61 7.61 0 0 1-2.76 6 10.31 10.31 0 0 1-7 2.4 14 14 0 0 1-4.5-.8 16.23 16.23 0 0 0-2.69-.8 1.16 1.16 0 0 0-1.1.49 3.15 3.15 0 0 0-.37 1h-1l-1.38-9.69z"> </path> </symbol> <symbol id="address" viewBox="0 0 62 62"> <circle cx="31" cy="31" r="28" fill="#fff" stroke="#c2c7c9" stroke-width="5"></circle> <path fill="#28809d" fill-rule="evenodd" d="M15.24 32.46H18v11.22a1.26 1.26 0 0 0 1.22 1.24h8.16a.52.52 0 0 0 .37-.1V34.45h6.76v10.47h8a1.26 1.26 0 0 0 1.22-1.24V32.46H47a1.24 1.24 0 0 0 .84-2.1l-15.57-16a1.17 1.17 0 0 0-1.69 0l-16.22 16a1.23 1.23 0 0 0 .88 2.1z"> </path> </symbol> <symbol id="annual-pension" viewBox="0 0 100 100"> <circle cx="50" cy="50" r="47" fill="#eaeced" stroke="#d6dadc" stroke-width="6"></circle> <path fill="#fff" d="M45 25h33v40H45z"></path> <path fill="#28809d" d="M60.91 22a70.91 70.91 0 0 0-12.78 1A18.81 18.81 0 0 0 44 24.2a4.79 4.79 0 0 0-1.41.9 2.38 2.38 0 0 0-.79 1.68v11.81a18.83 18.83 0 0 0-2.72-.19 19.08 19.08 0 0 0-18.35 14 1.36 1.36 0 0 0 1.65 1.75 1.35 1.35 0 0 0 1-1 16.25 16.25 0 1 1-.64 5 1.36 1.36 0 1 0-2.72.13 19.07 19.07 0 0 0 35.3 9.31c1.77.11 3.65.19 5.6.19a70.83 70.83 0 0 0 12.78-1 18.45 18.45 0 0 0 4.12-1.2 4.92 4.92 0 0 0 1.4-.89A2.31 2.31 0 0 0 80 63V26.78a2.34 2.34 0 0 0-.79-1.68 4.74 4.74 0 0 0-1.4-.9 19.09 19.09 0 0 0-4.12-1.2 70.83 70.83 0 0 0-12.78-1zm0 2.73a69.06 69.06 0 0 1 12.27 1 17.59 17.59 0 0 1 3.39 1 22.07 22.07 0 0 1-5 1.37 66.81 66.81 0 0 1-10.65.81A66.81 66.81 0 0 1 50.26 28a22.23 22.23 0 0 1-5-1.37 17.59 17.59 0 0 1 3.39-1 69.15 69.15 0 0 1 12.26-.9zm-16.36 4.66a23.46 23.46 0 0 0 5.26 1.34 68.44 68.44 0 0 0 11.1.83A68.35 68.35 0 0 0 72 30.73a23.46 23.46 0 0 0 5.26-1.34v3l-.12.08a17.92 17.92 0 0 1-5.59 1.67 66.81 66.81 0 0 1-10.64.86 66.81 66.81 0 0 1-10.65-.81 17.72 17.72 0 0 1-5.58-1.67l-.13-.08v-3zm0 6.15a23.46 23.46 0 0 0 5.26 1.34 68.44 68.44 0 0 0 11.1.83A68.35 68.35 0 0 0 72 36.88a23.46 23.46 0 0 0 5.26-1.34v2.34l-.12.09a17.73 17.73 0 0 1-5.59 1.66 65.55 65.55 0 0 1-10.65.82 65.55 65.55 0 0 1-10.65-.82A17.53 17.53 0 0 1 44.68 38l-.13-.09v-2.37zM77.27 41v3l-.12.07a17.73 17.73 0 0 1-5.59 1.66 65.66 65.66 0 0 1-10.65.81c-2.15 0-4.21-.1-6.09-.25h-.24a18.87 18.87 0 0 0-3.68-3.84 72.06 72.06 0 0 0 10 .66 69.5 69.5 0 0 0 11.1-.76A24 24 0 0 0 77.27 41zm0 6.15v3.05l-.12.07a17.73 17.73 0 0 1-5.59 1.66 65.66 65.66 0 0 1-10.65.81c-1.15 0-2.26 0-3.34-.08a18.85 18.85 0 0 0-1.3-3.48c1.48.09 3 .15 4.64.15A68.25 68.25 0 0 0 72 48.49a23.46 23.46 0 0 0 5.26-1.34zm0 6.15v3.05l-.12.06a17.37 17.37 0 0 1-5.59 1.67 66.81 66.81 0 0 1-10.65.81c-.95 0-1.87 0-2.77-.06v-1.31c0-.71 0-1.41-.12-2.11.93 0 1.88.07 2.85.07A68.25 68.25 0 0 0 72 54.64a23.46 23.46 0 0 0 5.26-1.34zm0 6.15v3.26a2.42 2.42 0 0 1-.59.37 17.4 17.4 0 0 1-3.5 1 68.82 68.82 0 0 1-12.27 1c-1.45 0-2.85 0-4.2-.11a18.08 18.08 0 0 0 1-3.37c1 0 2.07.06 3.15.06A68.35 68.35 0 0 0 72 60.79a23.46 23.46 0 0 0 5.26-1.34z"> </path> <circle cx="39.12" cy="57.6" r="17.8" fill="#fff" stroke="#28809d" stroke-width="4"></circle> <path fill="#28809d" d="M39.53 47.92a8.26 8.26 0 0 1 3.69.86l-.63 1.36a6.85 6.85 0 0 0-3-.79 2.6 2.6 0 0 0-1.9.64 2.8 2.8 0 0 0-.69 2.07v3h4.32v1.3H37v2.26a4 4 0 0 1-.34 1.73 2.72 2.72 0 0 1-1.09 1.15h8.15v1.6H33.18v-1.44c1.4-.32 2.1-1.32 2.1-3v-2.27h-2v-1.3h2v-3.24A3.73 3.73 0 0 1 36.43 49a4.43 4.43 0 0 1 3.1-1.08z"> </path> </symbol> <symbol id="arrow-left" viewBox="0 0 9 14.95"> <path d="M8.55.45A1.52 1.52 0 0 0 6.4.44l-5.95 6a1.52 1.52 0 0 0 0 2.15l6 5.95a1.52 1.52 0 0 0 2.14-2.15L3.67 7.48 8.55 2.6a1.52 1.52 0 0 0 0-2.15"> </path> </symbol> <symbol id="arrow-right" viewBox="0 0 9 14.95"> <path d="M.45 14.5a1.51 1.51 0 0 0 2.15 0l6-6a1.52 1.52 0 0 0 0-2.15L2.59.44A1.52 1.52 0 1 0 .45 2.59l4.88 4.88-4.88 4.88a1.52 1.52 0 0 0 0 2.15"> </path> </symbol> <symbol id="bank-details" viewBox="0 0 56 56"> <circle cx="28" cy="28" r="25" fill="#fff" stroke="#c2c7c9" stroke-width="5"></circle> <path fill="#28809d" d="M26.68 36.11h10.79v5.3H18.76v-3.88a7.65 7.65 0 0 0 2.82-2.13 6.59 6.59 0 0 0 1.53-3.26h-4.17v-2.93l3.11-.21H23l-.28-1a10.13 10.13 0 0 0-.32-1h-3.46v-3l2.41-.23h.14a5 5 0 0 1-.14-1.19 10.12 10.12 0 0 1 .65-3.64 7.9 7.9 0 0 1 4.68-4.49 9.48 9.48 0 0 1 3.56-.62 8.59 8.59 0 0 1 4.08.9 10.86 10.86 0 0 1 3.15 2.56l-3.34 3.4a4.72 4.72 0 0 0-1.48-1.32 3.58 3.58 0 0 0-1.8-.43 3.47 3.47 0 0 0-2.64 1 4.12 4.12 0 0 0-1 3v.43a1.21 1.21 0 0 0 .05.42h6.58V27h-5.91c.09.33.14.66.23 1s.14.66.19 1h5.51v3.17h-5.33a6.11 6.11 0 0 1-.6 2 8.24 8.24 0 0 1-1.25 1.79z"> </path> </symbol> <symbol id="burger-menu" viewBox="0 0 26 20"> <path d="M1.59 17a1.48 1.48 0 1 0 0 3h22.82a1.48 1.48 0 1 0 0-3zm0-8.15A1.54 1.54 0 0 0 0 10.37a1.54 1.54 0 0 0 1.59 1.48h22.82A1.54 1.54 0 0 0 26 10.37a1.54 1.54 0 0 0-1.59-1.48zm0-8.85A1.54 1.54 0 0 0 0 1.48 1.54 1.54 0 0 0 1.59 3h22.82A1.54 1.54 0 0 0 26 1.48 1.54 1.54 0 0 0 24.41 0z"> </path> </symbol> <symbol id="close" viewBox="0 0 25 25"> <path d="M22 .71a1.9 1.9 0 0 1 2.64-.3 1.9 1.9 0 0 1-.3 2.64l-9.5 9.45 9.45 9.5a2 2 0 0 1 .4 2.54l-.1.1a1.9 1.9 0 0 1-2.64-.3l-9.45-9.5-9.45 9.45a2 2 0 0 1-2.54.4l-.1-.1A1.9 1.9 0 0 1 .71 22l9.45-9.45-9.45-9.5A2 2 0 0 1 .31.51l.1-.1a1.9 1.9 0 0 1 2.64.3l9.45 9.45z"> </path> </symbol> <symbol id="comms" viewBox="0 0 62 62"> <circle cx="31" cy="31" r="28" fill="#fff" stroke="#c2c7c9" stroke-width="5"></circle> <path fill="#28809d" d="M47.08 22.45l-8.68 8.73 8.68 8.72a4.55 4.55 0 0 0 0-.53V23a4.73 4.73 0 0 0 0-.55zm-14 10.88l13.07-12.47a3.47 3.47 0 0 0-2.72-1.31H18.82a3.5 3.5 0 0 0-2.72 1.31l13.08 12.47a2.89 2.89 0 0 0 3.9 0zM15.17 22.45a4.73 4.73 0 0 0 0 .53v16.39a4.55 4.55 0 0 0 0 .53l8.69-8.72z"> </path> <path fill="#28809d" d="M34.29 34.54a4.54 4.54 0 0 1-6.32 0l-2.43-2.39-9.44 9.31a3.48 3.48 0 0 0 2.72 1.35h24.61a3.45 3.45 0 0 0 2.72-1.35l-9.44-9.31z"> </path> </symbol> <symbol id="csv" viewBox="0 0 340 345"> <path fill="#eaeced" d="M75.08 0C61.84 0 51 9.7 51 21.56v301.88C51 335.3 61.84 345 75.08 345h240.84c13.24 0 24.08-9.7 24.08-21.56V92.5L243.67 0z"> </path> <path fill="#c2c7c9" fill-rule="evenodd" d="M267 90h70.13L243.67 0v67.5c0 12.37 10.52 22.5 23.33 22.5z"></path> <path fill="#858f95" d="M289 286.87c0 5.85-5.42 10.63-12 10.63H12c-6.62 0-12-4.78-12-10.63V180.62C0 174.78 5.42 170 12 170h265c6.62 0 12 4.78 12 10.62z"> </path> <path fill="#fff" d="M206.21 202.89h12.22L199 260h-13.2l-19.38-57.11h12.23l10.74 34c.6 2 1.22 4.34 1.86 7s1 4.53 1.19 5.57a98.16 98.16 0 0 1 2.93-12.58zm-52.93 41.25a14.75 14.75 0 0 1-5.57 12.18q-5.57 4.46-15.49 4.46a36.41 36.41 0 0 1-16.17-3.44v-11.25a66.32 66.32 0 0 0 9.79 3.63 28.67 28.67 0 0 0 7.32 1.06 10.36 10.36 0 0 0 6.11-1.53 5.2 5.2 0 0 0 2.13-4.53 5.05 5.05 0 0 0-.93-3 10.52 10.52 0 0 0-2.76-2.51 70.18 70.18 0 0 0-7.4-3.87 34.93 34.93 0 0 1-7.85-4.73 17.68 17.68 0 0 1-4.18-5.27 15.08 15.08 0 0 1-1.56-7q0-7.57 5.13-11.92t14.2-4.33a33.72 33.72 0 0 1 8.5 1.05 58.12 58.12 0 0 1 8.46 3l-3.91 9.41a56.53 56.53 0 0 0-7.56-2.61 24.07 24.07 0 0 0-5.88-.75 7.76 7.76 0 0 0-5.27 1.61 5.65 5.65 0 0 0-1.1 7 8.29 8.29 0 0 0 2.37 2.3 72 72 0 0 0 7.67 4q8 3.83 11 7.67a15 15 0 0 1 2.95 9.37zm-70.35-32a12.36 12.36 0 0 0-10.59 5.14q-3.75 5.15-3.75 14.32 0 19.1 14.34 19.1 6 0 14.57-3v10.16a40.52 40.52 0 0 1-15.7 2.93q-12.47 0-19.07-7.56t-6.6-21.7a35.48 35.48 0 0 1 3.24-15.61 23.5 23.5 0 0 1 9.32-10.27 27.6 27.6 0 0 1 14.24-3.57 38.45 38.45 0 0 1 16.72 4l-3.91 9.84a64.23 64.23 0 0 0-6.44-2.65 19.19 19.19 0 0 0-6.37-1.13z"> </path> </symbol> <symbol id="doc" viewBox="0 0 34 34"> <path fill="#fff" d="M7.51 0A2.29 2.29 0 0 0 5.1 2.12v29.76A2.29 2.29 0 0 0 7.51 34h24.08A2.29 2.29 0 0 0 34 31.88V9.12L24.37 0z"> </path> <path fill="#00a2ed" d="M28.9 27.78a1.13 1.13 0 0 1-1.2 1H1.2a1.13 1.13 0 0 1-1.2-1V17.31a1.13 1.13 0 0 1 1.2-1h26.5a1.13 1.13 0 0 1 1.2 1z"> </path> <path fill="#c2c7c9" fill-rule="evenodd" d="M26.7 8.87h7L24.37 0v6.65a2.3 2.3 0 0 0 2.33 2.22z"></path> <path fill="#fff" d="M18.76 22.2a2.81 2.81 0 0 1 2.68-2.93h.32a2.85 2.85 0 0 1 1.95.73.55.55 0 0 1 0 .77.6.6 0 0 1-.79 0 1.52 1.52 0 0 0-1.19-.45A1.81 1.81 0 0 0 19.79 22v.22a1.83 1.83 0 0 0 1.7 2h.24a2 2 0 0 0 1.33-.53.61.61 0 0 1 .78.1.54.54 0 0 1-.08.76 2.85 2.85 0 0 1-2 .64 2.76 2.76 0 0 1-3-2.51 3.23 3.23 0 0 1 0-.48zm-4.05 2.95a2.93 2.93 0 0 1-3.21-2.62v-.32a3 3 0 0 1 3-3h.23a3 3 0 0 1 3.05 2.95v.05a2.92 2.92 0 0 1-2.88 2.95zm-9-.08a.53.53 0 0 1-.59-.46v-4.68a.57.57 0 0 1 .59-.51h2a2.83 2.83 0 0 1 .41 5.65H5.68z"> </path> <path fill="#00a2ed" d="M14.61 20.28a1.94 1.94 0 0 0-.28 3.87 1.31 1.31 0 0 0 .28 0 1.94 1.94 0 0 0 .28-3.87zm-8.39.13v3.66h1.41c2.31 0 2.41-3.66 0-3.66z"> </path> </symbol> <symbol id="down-arrow" viewBox="0 0 10 6"> <path d="M8.97 0L5.01 3.9 1 .03l-1 1L4.96 6 10 1.08 8.97 0z"></path> </symbol> <symbol id="download" viewBox="0 0 22 22"> <path fill="#34454e" d="M11.92 11.61l2.37-2.36 1.29 1.29L11 15.13l-4.58-4.59 1.29-1.29 2.37 2.36V2.75h1.84v8.86z"> </path> <path fill="#34454e" d="M17.42 11v6.42H4.58V11H2.75v6.42a1.84 1.84 0 0 0 1.83 1.84h12.84a1.83 1.83 0 0 0 1.83-1.83v-6.42z"></path> </symbol> <symbol id="edit" viewBox="0 0 18 18"> <path fill="#99A2A6" d="M0 14.25V18h3.75L14.81 6.94l-3.75-3.75L0 14.25zM17.71 4.04a.996.996 0 0 0 0-1.41L15.37.29a.996.996 0 0 0-1.41 0l-1.83 1.83 3.75 3.75 1.83-1.83z"> </path> <path fill="none" d="M-3-3h24v24H-3z"></path> </symbol> <symbol id="employment" viewBox="0 0 62 62"> <circle cx="31" cy="31" r="28" fill="#fff" stroke="#c2c7c9" stroke-width="5"></circle> <path fill="#28809d" stroke="#28809d" d="M44.52 21.14h-4.68V18.3a2.85 2.85 0 0 0-2.69-2.66h-11a2.92 2.92 0 0 0-2.77 2.66v2.84H18.7a3.33 3.33 0 0 0-3 2.8v16.13a3.53 3.53 0 0 0 3 3.06h25.76a3.56 3.56 0 0 0 3-3.06V23.94a3.24 3.24 0 0 0-2.94-2.8zm-19.7-2.5a1.23 1.23 0 0 1 1.23-1.23h11a1.24 1.24 0 0 1 1.23 1.23v2.45H24.82zm20.47 21.43c0 .68-.21.84-.88.84H18.58c-.68 0-.72-.16-.72-.84v-9.63a29.92 29.92 0 0 0 10.94 3v1.92c0 .34.79 1.08 1.13 1.08h3.4c.34 0 1-.74 1-1.08v-2a30.09 30.09 0 0 0 11-2.92zM30.15 33v-1.9H33v3.82h-2.8V33zm15.16-3.9a29.87 29.87 0 0 1-11.13 3.2v-1.8a.61.61 0 0 0-.62-.61h-4a.61.61 0 0 0-.62.61v1.8a29.48 29.48 0 0 1-11.06-3.2v-5.16c0-.68.25-.64.93-.64h25.65c.68 0 .85 0 .85.64z"> </path> </symbol> <symbol id="facebook" viewBox="0 0 29 28.82"> <path fill-rule="evenodd" d="M29 14.5a14.5 14.5 0 1 0-16.77 14.32V18.69H8.55V14.5h3.68v-3.19c0-3.64 2.17-5.65 5.48-5.65A21.47 21.47 0 0 1 21 6v3.52h-1.87a2.09 2.09 0 0 0-2.35 1.79 2.48 2.48 0 0 0 0 .47v2.72h4l-.65 4.19h-3.36v10.13A14.49 14.49 0 0 0 29 14.5"> </path> </symbol> <symbol id="fever-arrow" viewBox="0 0 25 15"> <path d="M17.5 0l2.86 2.86-6.1 6.1-5-5L0 13.24 1.76 15l7.5-7.5 5 5 7.88-7.86L25 7.5V0h-7.5z"></path> </symbol> <symbol id="info" viewBox="0 0 45 45"> <circle cx="22.5" cy="13.5" r="2.5" fill="#C62521"></circle> <path fill="#C62521" d="M22.5 19c1.4 0 2.5 1.1 2.5 2.5v11c0 1.4-1.1 2.5-2.5 2.5S20 33.9 20 32.5v-11c0-1.4 1.1-2.5 2.5-2.5z"></path> <path fill="#C62521" d="M22.5 45C10.1 45 0 34.9 0 22.5S10.1 0 22.5 0 45 10.1 45 22.5 34.9 45 22.5 45zm0-42C11.7 3 3 11.7 3 22.5S11.7 42 22.5 42 42 33.3 42 22.5 33.3 3 22.5 3z"> </path> </symbol> <symbol id="information" viewBox="0 0 45 45"> <path d="M22.5 0C10.074 0 0 10.074 0 22.5S10.074 45 22.5 45 45 34.926 45 22.5 34.926 0 22.5 0zM20 32.316V21.684C20 20.202 21.12 19 22.5 19s2.5 1.202 2.5 2.684v10.632C25 33.798 23.88 35 22.5 35S20 33.798 20 32.316zM22.5 16a2.5 2.5 0 1 1 0-5 2.5 2.5 0 0 1 0 5z"> </path> </symbol> <symbol id="linkedin" viewBox="0 0 29 29"> <path fill-rule="evenodd" d="M24.72 24.72h-4.36v-7.57c0-2.23-.95-2.92-2.18-2.92s-2.56 1-2.56 3v7.51h-4.36V10.87h4.2v1.91a4.77 4.77 0 0 1 4.15-2.3c2.43 0 5.06 1.44 5.06 5.67zM6.46 8.94A2.47 2.47 0 0 1 4 6.43a2.47 2.47 0 0 1 2.51-2.5 2.51 2.51 0 1 1 0 5zM4.28 24.7h4.36V10.85H4.28zM26.86 0H2.14A2.14 2.14 0 0 0 0 2.14v24.72A2.14 2.14 0 0 0 2.14 29h24.72A2.14 2.14 0 0 0 29 26.86V2.14A2.14 2.14 0 0 0 26.86 0z"> </path> </symbol> <symbol id="lump-sum" viewBox="0 0 100 100"> <circle cx="50" cy="50" r="47" fill="#eaeced" stroke="#d6dadc" stroke-width="6"></circle> <path fill="#fff" d="M39 24h34v41H39z"></path> <path fill="#28809d" d="M74.21 25.1a4.74 4.74 0 0 0-1.4-.9 19.09 19.09 0 0 0-4.12-1.2 70.83 70.83 0 0 0-12.78-1 70.91 70.91 0 0 0-12.78 1A18.81 18.81 0 0 0 39 24.2a4.79 4.79 0 0 0-1.41.9 2.38 2.38 0 0 0-.79 1.68v11.81a19.06 19.06 0 0 0-18.56 8.32A18.06 18.06 0 0 0 15 57.27v.59a1.13 1.13 0 0 0 0 .41 19.07 19.07 0 0 0 35.3 9.31c1.77.11 3.65.19 5.6.19a70.83 70.83 0 0 0 12.78-1 18.45 18.45 0 0 0 4.12-1.2 4.92 4.92 0 0 0 1.4-.89A2.31 2.31 0 0 0 75 63V26.78a2.34 2.34 0 0 0-.79-1.68zm-30.57.59a69.15 69.15 0 0 1 12.27-1 69.06 69.06 0 0 1 12.27 1 17.59 17.59 0 0 1 3.39 1 22.07 22.07 0 0 1-5 1.37 66.81 66.81 0 0 1-10.65.81A66.81 66.81 0 0 1 45.26 28a22.23 22.23 0 0 1-5-1.37 17.59 17.59 0 0 1 3.38-.94zm28.63 37a2.42 2.42 0 0 1-.59.37 17.4 17.4 0 0 1-3.5 1 68.82 68.82 0 0 1-12.27 1c-1.45 0-2.85 0-4.2-.11a18.08 18.08 0 0 0 1-3.37c1 0 2.07.06 3.15.06A68.35 68.35 0 0 0 67 60.79a23.46 23.46 0 0 0 5.26-1.34zm0-6.36l-.12.06a17.37 17.37 0 0 1-5.59 1.67 66.81 66.81 0 0 1-10.65.81c-.95 0-1.87 0-2.77-.06V57.5c0-.71 0-1.41-.12-2.11.93 0 1.88.07 2.85.07A68.25 68.25 0 0 0 67 54.64a23.46 23.46 0 0 0 5.26-1.34zm0-6.15l-.12.07a17.73 17.73 0 0 1-5.59 1.66 65.66 65.66 0 0 1-10.65.81c-1.15 0-2.26 0-3.34-.08a18.85 18.85 0 0 0-1.3-3.48c1.48.09 3 .15 4.64.15A68.25 68.25 0 0 0 67 48.49a23.46 23.46 0 0 0 5.26-1.34zm0-9.2v3l-.12.07a17.73 17.73 0 0 1-5.59 1.66 65.66 65.66 0 0 1-10.65.81c-2.15 0-4.21-.1-6.09-.25h-.24a18.87 18.87 0 0 0-3.68-3.84 72.06 72.06 0 0 0 10 .66 69.5 69.5 0 0 0 11.1-.74A24 24 0 0 0 72.27 41zm0-3.12l-.12.09a17.73 17.73 0 0 1-5.59 1.66 65.55 65.55 0 0 1-10.65.82 65.55 65.55 0 0 1-10.65-.82A17.53 17.53 0 0 1 39.68 38l-.13-.09v-2.37a23.46 23.46 0 0 0 5.26 1.34 68.44 68.44 0 0 0 11.1.83A68.35 68.35 0 0 0 67 36.88a23.46 23.46 0 0 0 5.26-1.34zm0-5.46l-.12.08a17.92 17.92 0 0 1-5.59 1.67 66.81 66.81 0 0 1-10.65.85 66.81 66.81 0 0 1-10.65-.81 17.72 17.72 0 0 1-5.58-1.67l-.13-.08v-3a23.46 23.46 0 0 0 5.26 1.34 68.44 68.44 0 0 0 11.1.83A68.35 68.35 0 0 0 67 30.73a23.46 23.46 0 0 0 5.26-1.34z"> </path> <path fill="#fff" d="M35.32 48.81a8.14 8.14 0 0 1 3.69.87L38.39 51a6.79 6.79 0 0 0-3-.79 2.59 2.59 0 0 0-1.9.63A2.85 2.85 0 0 0 32.8 53v3h4.32v1.3H32.8v2.27a3.85 3.85 0 0 1-.34 1.72 2.61 2.61 0 0 1-1.09 1.15h8.15V64H29v-1.45c1.4-.32 2.1-1.31 2.1-3v-2.27H29V56h2v-3.26a3.71 3.71 0 0 1 1.15-2.87 4.39 4.39 0 0 1 3.17-1.06z"> </path> </symbol> <symbol id="membership-card-avatar" viewBox="0 0 50 50"> <path fill="#2a819e" fill-rule="evenodd" d="M25 26.45c-5.14 0-15.33 2.82-15.41 8a18.43 18.43 0 0 0 30.82 0c-.08-5.14-10.3-8-15.41-8m.56-17.63a7.66 7.66 0 1 0 7.66 7.66 7.65 7.65 0 0 0-7.66-7.66"> </path> <path fill="#c9cdcf" d="M25 0a25 25 0 1 0 25 25A25 25 0 0 0 25 0zm0 46a21 21 0 1 1 21-21 21 21 0 0 1-21 21z"></path> </symbol> <symbol id="minus" viewBox="0 0 32 32"> <path d="M16 0a16 16 0 1 0 16 16A16 16 0 0 0 16 0zm5 17H11v-2h10z"></path> </symbol> <symbol id="mortarboard" viewBox="0 0 57.69 57.69"> <circle cx="28.85" cy="28.85" r="25.85" fill="#fff" stroke="#c2c7c9" stroke-width="5"></circle> <path fill="#28809d" d="M31.33 30.84a6.72 6.72 0 0 1-3.77 0l-8.33-2.5-.77 6.35c0 2 4.94 3.58 11 3.58s11-1.6 11-3.58l-.81-6.35z"></path> <path fill="#28809d" d="M46.12 22.18l-15.4-4.67a4.5 4.5 0 0 0-2.57 0l-15.4 4.67a1.29 1.29 0 0 0 0 2.5l2.71.78a4.21 4.21 0 0 0-1 2.56 1.67 1.67 0 0 0-.14 2.88l-1.4 6.28a.88.88 0 0 0 .87 1.06h3.07a.9.9 0 0 0 .69-.32.86.86 0 0 0 .17-.74l-1.4-6.28a1.67 1.67 0 0 0-.1-2.8 2.56 2.56 0 0 1 1.13-2l10.8 3.36a4.5 4.5 0 0 0 2.57 0l15.4-4.68a1.27 1.27 0 0 0 1.1-1.32 1.29 1.29 0 0 0-1.1-1.28z"> </path> </symbol> <symbol id="next" viewBox="0 0 22 22"> <path d="M8 7.065l3.897 4.104-3.871 4.156 1 1.039L14 11.22 9.077 6z"></path> </symbol> <symbol id="pdf" viewBox="0 0 34 34"> <path fill="#fff" d="M7.51 0A2.29 2.29 0 0 0 5.1 2.12v29.76A2.29 2.29 0 0 0 7.51 34h24.08A2.29 2.29 0 0 0 34 31.88V9.12L24.37 0z"> </path> <path fill="#f15642" d="M28.9 27.78a1.13 1.13 0 0 1-1.2 1H1.2a1.13 1.13 0 0 1-1.2-1V17.31a1.13 1.13 0 0 1 1.2-1h26.5a1.13 1.13 0 0 1 1.2 1z"> </path> <path fill="#c2c7c9" fill-rule="evenodd" d="M26.7 8.87h7L24.37 0v6.65a2.3 2.3 0 0 0 2.33 2.22z"></path> <path fill="#fff" d="M20.27 20.41v1.33h2.45a.71.71 0 0 1 .68.6c0 .28-.34.5-.68.5h-2.45v1.77a.52.52 0 0 1-.54.52c-.42 0-.68-.23-.68-.52v-4.78c0-.3.26-.52.68-.52h3.36c.42 0 .67.22.67.52a.63.63 0 0 1-.67.58zM8 19.24H5.81a.61.61 0 0 0-.65.57v4.73a.61.61 0 0 0 .64.58.56.56 0 0 0 .61-.5v-1.18H8a2.11 2.11 0 1 0 .41-4.2z"> </path> <path fill="#f15642" d="M8 22.39H6.42V20.3H8a1 1 0 1 1 0 2.09z"></path> <path fill="#fff" d="M11.59 19.84v4.77c0 .37.35.52.67.52h2.27c4.19 0 4.29-5.82-.08-5.82h-2.19c-.32 0-.67.22-.67.53z"></path> <path fill="#f15642" d="M12.86 24.11h1.59a1.89 1.89 0 1 0 .27-3.77h-1.86z"></path> </symbol> <symbol id="pdf-grey" viewBox="0 0 340 345"> <path fill="#eaeced" d="M75.08 0C61.84 0 51 9.7 51 21.56v301.88C51 335.3 61.84 345 75.08 345h240.84c13.24 0 24.08-9.7 24.08-21.56V92.5L243.67 0z"> </path> <path fill="#c2c7c9" fill-rule="evenodd" d="M267 90h70.13L243.67 0v67.5c0 12.37 10.52 22.5 23.33 22.5z"></path> <path fill="#f15642" d="M289 281.87c0 5.85-5.42 10.63-12 10.63H12c-6.62 0-12-4.78-12-10.63V175.63C0 169.78 5.42 165 12 165h265c6.62 0 12 4.78 12 10.63z"> </path> <path fill="#fff" d="M202.75 207.07v13.56h24.4c3.45 0 6.89 3.07 6.89 6.05 0 2.82-3.44 5.12-6.89 5.12h-24.4v17.91c0 3-2.38 5.28-5.73 5.28-4.22 0-6.79-2.29-6.79-5.28v-48.45c0-3.06 2.58-5.29 6.79-5.29h33.59c4.21 0 6.7 2.23 6.7 5.29 0 2.73-2.49 5.8-6.7 5.8h-27.86zM144.46 196h-21.91c-3.16 0-6.61 2.23-6.61 5.29v48.45c0 3.74 3.45 5.28 6.61 5.28h22.78c41.91-.02 42.87-59.02-.87-59.02zm0 48.62h-15.88v-38.23h15.88c26.99 0 25.84 38.21 0 38.21zM64.18 206v21.2h16c6.41 0 11.49-5 11.49-10.33A11.21 11.21 0 0 0 80.16 206zm-12.62-4.9a6.23 6.23 0 0 1 6.5-5.89h22.1c12.45 0 23.65 7.43 23.65 21.66 0 13.48-11.2 21-23.65 21h-16v11.26c0 3.76-2.68 5.88-6.12 5.88-3.16 0-6.5-2.12-6.5-5.88z"> </path> </symbol> <symbol id="pending" viewBox="0 0 24 24"> <g fill="none" fill-rule="evenodd"> <path d="M0 0h24v24H0z"></path> <path fill="#FFF" fill-rule="nonzero" d="M12.5 7H11v6l5.25 3.15.75-1.23-4.5-2.67z"></path> </g> </symbol> <symbol id="personal" viewBox="0 0 62 62"> <circle cx="31" cy="31" r="28" fill="#fff" stroke="#c2c7c9" stroke-width="5"></circle> <circle cx="31" cy="22.15" r="9.74" fill="#28809d"></circle> <path fill="#28809d" d="M31.44 53.13a23 23 0 0 1-19-10c.1-6.15 12.69-9.51 19-9.51s18.94 3.36 19 9.51a23 23 0 0 1-19 10z"></path> </symbol> <symbol id="play" viewBox="0 0 50 60"> <path stroke="#FFF" stroke-width="4" d="M45.792 34.293L9.544 57.253C6.232 59.307 2 56.88 2 52.96V7.04C2 3.12 6.232.693 9.544 2.747l36.248 22.96c2.944 2.053 2.944 6.533 0 8.586"> </path> </symbol> <symbol id="plus" viewBox="0 0 32 32"> <path d="M16 0a16 16 0 1 0 16 16A16 16 0 0 0 16 0zm9 17h-8v8h-2v-8H7v-2h8V7h2v8h8z"></path> </symbol> <symbol id="ppt" viewBox="0 0 34 31"> <path fill="#fff" d="M7.51 0A2.23 2.23 0 0 0 5.1 1.94v27.12A2.23 2.23 0 0 0 7.51 31h24.08A2.23 2.23 0 0 0 34 29.06V8.32L24.37 0z"> </path> <path fill="#f60" d="M28.9 27.78a1.13 1.13 0 0 1-1.2 1H1.2a1.13 1.13 0 0 1-1.2-1V17.31a1.13 1.13 0 0 1 1.2-1h26.5a1.13 1.13 0 0 1 1.2 1z"> </path> <path fill="#c2c7c9" fill-rule="evenodd" d="M26.7 8.09h7L24.37 0v6.07a2.21 2.21 0 0 0 2.33 2.02z"></path> <path fill="#fff" d="M8 19.24H5.81a.61.61 0 0 0-.65.57v4.73a.61.61 0 0 0 .64.58.56.56 0 0 0 .61-.5v-1.18H8a2.11 2.11 0 1 0 .41-4.2z"> </path> <path fill="#f15642" d="M8 22.39H6.42V20.3H8a1 1 0 1 1 0 2.09z"></path> <path fill="#fff" d="M8 19.24H5.81a.61.61 0 0 0-.65.57v4.73a.61.61 0 0 0 .64.58.56.56 0 0 0 .61-.5v-1.18H8a2.11 2.11 0 1 0 .41-4.2zm13.76 2.45v2.94c0 .36-.36.51-.62.51s-.67-.15-.67-.5v-4.3h-1.14c-.46 0-.69-.18-.69-.55s.13-.56.69-.56h3.36c.42 0 .67.16.67.53s-.14.58-.67.58h-.93zM15 19.24h-2.19a.61.61 0 0 0-.65.57v4.73a.61.61 0 0 0 .64.58.56.56 0 0 0 .61-.5v-1.18H15a2.11 2.11 0 1 0 .41-4.2z"> </path> <path fill="#f60" d="M8 22.39H6.42V20.3H8a1 1 0 1 1 0 2.09zm7 0h-1.6V20.3H15a1 1 0 1 1 0 2.09z"></path> </symbol> <symbol id="prev" viewBox="0 0 22 22"> <path d="M14 15.299l-3.897-4.104 3.871-4.156-1-1.039L8 11.143l4.923 5.22z"></path> </symbol> <symbol id="search" viewBox="0 0 22 22"> <path d="M9.26 0a9.26 9.26 0 0 1 7.3 15l5.11 5.11a1.12 1.12 0 0 1-1.59 1.59L15 16.56A9.26 9.26 0 1 1 9.26 0zm0 2.18A7.09 7.09 0 1 0 14 14.52a1.21 1.21 0 0 1 .2-.3 1.61 1.61 0 0 1 .3-.21A7.08 7.08 0 0 0 9.26 2.18z"> </path> </symbol> <symbol id="tick" viewBox="0 0 21 16"> <path d="M7.73 9.92L3.11 5.41 0 8.45 7.73 16 21 3.04 17.89 0 7.73 9.92z"></path> </symbol> <symbol id="total-contributions" viewBox="0 0 100 100"> <g fill="none" fill-rule="evenodd"> <circle cx="50" cy="50" r="47" fill="#EAECED" stroke="#D6DADC" stroke-width="6"></circle> <g transform="translate(22 23)"> <path fill="#FFF" d="M24 2a8 8 0 0 1 8 8v5.621l8.711-4.28 18.462 9.685.713 11.859L20.56 53.189 4.088 45H4v-.044L.667 43.299V31.02L4 29.382V10a8 8 0 0 1 8-8h12z"> </path> <path fill="#28809D" fill-rule="nonzero" d="M58.524 32.447L47.49 38.219v-1.867l11.966-6.25c.49-.26.688-.87.429-1.369a1 1 0 0 0-1.362-.424L47.49 34.081v-1.996l11.966-6.258c.49-.26.688-.869.429-1.368a1.012 1.012 0 0 0-1.362-.424L47.49 29.8v-1.88l11.761-6.142a.998.998 0 0 0 .539-.91.99.99 0 0 0-.559-.895l-18.32-9.096a.978.978 0 0 0-.892 0L.567 30.238a1.018 1.018 0 0 0-.566.916c0 .39.218.739.566.91l19.73 9.622a.972.972 0 0 0 .899-.013l12.728-6.661v1.88L20.712 43.8 1.438 34.403a.997.997 0 0 0-1.334.472 1.006 1.006 0 0 0 .463 1.347l19.73 9.622a.972.972 0 0 0 .899-.013l12.728-6.661v1.99l-13.212 6.907L1.438 38.67a.988.988 0 0 0-1.334.48 1.004 1.004 0 0 0 .463 1.346l19.73 9.616a.98.98 0 0 0 .435.11.94.94 0 0 0 .464-.124l12.728-6.654v1.853l-13.212 6.908-19.274-9.39a.991.991 0 0 0-1.334.472 1 1 0 0 0 .463 1.347l19.73 9.616a.897.897 0 0 0 .435.109.94.94 0 0 0 .464-.123l14.206-7.414 24.055-12.576a1.01 1.01 0 0 0 .429-1.361 1.005 1.005 0 0 0-1.362-.438zM40.456 12.915l16.1 7.988L46.4 26.21l-16.46-8.138 10.515-5.157zM20.719 39.642L3.31 31.148 15.8 25.02l16.897 8.35-11.98 6.272zm-2.767-26.309c8.178 0 14.356-2.868 14.356-6.666C32.308 2.869 26.137 0 17.952 0 9.768 0 3.59 2.869 3.59 6.667c0 3.798 6.178 6.666 14.362 6.666z"> </path> <path fill="#28809D" fill-rule="nonzero" d="M32.218 12.643a.979.979 0 0 0-.503-1.306 1.02 1.02 0 0 0-1.333.5c-.694 1.506-5.543 3.14-12.173 3.14-6.631 0-11.48-1.634-12.18-3.147a1.017 1.017 0 0 0-1.333-.493c-.503.226-.735.813-.503 1.306 1.366 2.96 8.221 4.314 14.016 4.314 5.794 0 12.655-1.354 14.009-4.314z"> </path> <path fill="#28809D" fill-rule="nonzero" d="M19.487 19.553c0-.547-.457-.987-1.018-.987-6.75 0-11.686-1.633-12.399-3.153a1.057 1.057 0 0 0-1.364-.487c-.512.227-.747.807-.512 1.307 1.392 2.96 8.37 4.313 14.269 4.313.567 0 1.024-.446 1.024-.993zm-7.657 4.033a.985.985 0 0 0 .978-.84.98.98 0 0 0-.831-1.12c-4.161-.62-5.756-1.674-6.01-2.134a.996.996 0 0 0-1.348-.393.984.984 0 0 0-.395 1.34c1.005 1.82 4.61 2.713 7.458 3.14.054.007.1.007.148.007zm-5.731-.545a.986.986 0 0 0-1.373-.247.992.992 0 0 0-.254 1.374c.547.786 1.807 1.413 3.854 1.906a.988.988 0 0 0 .467-1.92c-2.287-.553-2.68-1.086-2.694-1.113z"> </path> <ellipse cx="31.258" cy="25.478" fill="#28809D" fill-rule="nonzero" rx="4.551" ry="1" transform="rotate(-22.526 31.258 25.478)"></ellipse> </g> </g> </symbol> <symbol id="total-fund-value" viewBox="0 0 100 100"> <g fill="none" fill-rule="evenodd"> <circle cx="50" cy="50" r="47" fill="#EAECED" stroke="#D6DADC" stroke-width="6"></circle> <g transform="translate(23 23)"> <path fill="#FFF" d="M24 2a8 8 0 0 1 8 8v5.621l8.711-4.28 18.462 9.685.713 11.859L20.56 53.189 4.088 45H4v-.044L.667 43.299V31.02L4 29.382V10a8 8 0 0 1 8-8h12z"> </path> <path fill="#28809D" fill-rule="nonzero" d="M58.524 32.447L47.49 38.219v-1.867l11.966-6.25c.49-.26.688-.87.429-1.369a1 1 0 0 0-1.362-.424L47.49 34.081v-1.996l11.966-6.258c.49-.26.688-.869.429-1.368a1.012 1.012 0 0 0-1.362-.424L47.49 29.8v-1.88l11.761-6.142a.998.998 0 0 0 .539-.91.99.99 0 0 0-.559-.895l-18.32-9.096a.978.978 0 0 0-.892 0L.567 30.238a1.018 1.018 0 0 0-.566.916c0 .39.218.739.566.91l19.73 9.622a.972.972 0 0 0 .899-.013l12.728-6.661v1.88L20.712 43.8 1.438 34.403a.997.997 0 0 0-1.334.472 1.006 1.006 0 0 0 .463 1.347l19.73 9.622a.972.972 0 0 0 .899-.013l12.728-6.661v1.99l-13.212 6.907L1.438 38.67a.988.988 0 0 0-1.334.48 1.004 1.004 0 0 0 .463 1.346l19.73 9.616a.98.98 0 0 0 .435.11.94.94 0 0 0 .464-.124l12.728-6.654v1.853l-13.212 6.908-19.274-9.39a.991.991 0 0 0-1.334.472 1 1 0 0 0 .463 1.347l19.73 9.616a.897.897 0 0 0 .435.109.94.94 0 0 0 .464-.123l14.206-7.414 24.055-12.576a1.01 1.01 0 0 0 .429-1.361 1.005 1.005 0 0 0-1.362-.438zm-23.599-.233L18.09 23.891l9.555-4.691 16.543 8.172-9.263 4.842zm5.53-19.299l16.1 7.988-10.154 5.307-16.46-8.138 10.515-5.157zM20.72 39.642L3.31 31.148 15.8 25.02l16.897 8.35-11.98 6.272zm17.734-6.997c.007-.007.02-.007.028-.013l6.994-3.652v10.285l-9.528 4.986V33.965l2.506-1.32zM17.952 13.333c8.178 0 14.356-2.868 14.356-6.666C32.308 2.869 26.137 0 17.952 0 9.768 0 3.59 2.869 3.59 6.667c0 3.798 6.178 6.666 14.362 6.666zm0-11.34c7.267 0 12.328 2.465 12.328 4.674 0 2.208-5.061 4.673-12.328 4.673-7.267 0-12.328-2.465-12.328-4.673 0-2.21 5.061-4.674 12.328-4.674z"> </path> <path fill="#28809D" fill-rule="nonzero" d="M32.218 12.643a.979.979 0 0 0-.503-1.306 1.02 1.02 0 0 0-1.333.5c-.694 1.506-5.543 3.14-12.173 3.14-6.631 0-11.48-1.634-12.18-3.147a1.017 1.017 0 0 0-1.333-.493c-.503.226-.735.813-.503 1.306 1.366 2.96 8.221 4.314 14.016 4.314 5.794 0 12.655-1.354 14.009-4.314z"> </path> <path fill="#28809D" fill-rule="nonzero" d="M19.487 19.553c0-.547-.457-.987-1.018-.987-6.75 0-11.686-1.633-12.399-3.153a1.057 1.057 0 0 0-1.364-.487c-.512.227-.747.807-.512 1.307 1.392 2.96 8.37 4.313 14.269 4.313.567 0 1.024-.446 1.024-.993zm-7.657 4.033a.985.985 0 0 0 .978-.84.98.98 0 0 0-.831-1.12c-4.161-.62-5.756-1.674-6.01-2.134a.996.996 0 0 0-1.348-.393.984.984 0 0 0-.395 1.34c1.005 1.82 4.61 2.713 7.458 3.14.054.007.1.007.148.007zm-5.731-.545a.986.986 0 0 0-1.373-.247.992.992 0 0 0-.254 1.374c.547.786 1.807 1.413 3.854 1.906a.988.988 0 0 0 .467-1.92c-2.287-.553-2.68-1.086-2.694-1.113z"> </path> <ellipse cx="31.258" cy="25.478" fill="#28809D" fill-rule="nonzero" rx="4.551" ry="1" transform="rotate(-22.526 31.258 25.478)"></ellipse> </g> </g> </symbol> <symbol id="twitter" viewBox="0 0 35.68 29"> <path fill-rule="evenodd" d="M11.22 29c13.47 0 20.83-11.16 20.83-20.83v-1a14.78 14.78 0 0 0 3.65-3.79 14.45 14.45 0 0 1-4.2 1.16 7.38 7.38 0 0 0 3.22-4 14.94 14.94 0 0 1-4.65 1.77 7.33 7.33 0 0 0-12.67 5A7.63 7.63 0 0 0 17.57 9 20.81 20.81 0 0 1 2.48 1.34a7.32 7.32 0 0 0 2.27 9.77 7.19 7.19 0 0 1-3.32-.91v.09a7.33 7.33 0 0 0 5.88 7.18 7.31 7.31 0 0 1-1.93.26A6.94 6.94 0 0 1 4 17.59a7.33 7.33 0 0 0 6.84 5.09 14.71 14.71 0 0 1-9.09 3.13 14.43 14.43 0 0 1-1.75-.1A20.7 20.7 0 0 0 11.22 29"> </path> </symbol> <symbol id="unknown" viewBox="0 0 28.9 34"> <path fill="#fff" d="M2.41 0A2.29 2.29 0 0 0 0 2.12v29.76A2.29 2.29 0 0 0 2.41 34h24.08a2.29 2.29 0 0 0 2.41-2.12V9.12L19.27 0z"> </path> <path fill="#c2c7c9" fill-rule="evenodd" d="M21.6 8.87h7L19.27 0v6.65a2.3 2.3 0 0 0 2.33 2.22z"></path> </symbol> <symbol id="visibility" viewBox="0 0 22 15"> <path d="M11 0A11.83 11.83 0 0 0 0 7.5a11.82 11.82 0 0 0 22 0A11.83 11.83 0 0 0 11 0zm0 12.5a5 5 0 1 1 5-5 5 5 0 0 1-5 5zm0-8a3 3 0 1 0 3 3 3 3 0 0 0-3-3z"> </path> </symbol> <symbol id="visibility--off" viewBox="0 0 21.99 19"> <path d="M11 4a5 5 0 0 1 5 5 4.85 4.85 0 0 1-.36 1.83l2.92 2.92A11.82 11.82 0 0 0 22 9a11.83 11.83 0 0 0-11-7.5 11.65 11.65 0 0 0-4 .7l2.17 2.16A4.85 4.85 0 0 1 11 4zM1 1.27l2.28 2.28.46.45A11.8 11.8 0 0 0 0 9a11.83 11.83 0 0 0 11 7.5 11.78 11.78 0 0 0 4.38-.84l.42.42L18.73 19 20 17.73 2.27 0zM6.53 6.8l1.55 1.55A2.82 2.82 0 0 0 8 9a3 3 0 0 0 3 3 2.82 2.82 0 0 0 .65-.08l1.55 1.55A5 5 0 0 1 6.53 6.8zm4.31-.8L14 9.17V9a3 3 0 0 0-3-3z"> </path> </symbol> <symbol id="xls" viewBox="0 0 34 34"> <path fill="#fff" d="M7.51 0A2.29 2.29 0 0 0 5.1 2.12v29.76A2.29 2.29 0 0 0 7.51 34h24.08A2.29 2.29 0 0 0 34 31.88V9.12L24.37 0z"> </path> <path fill="green" d="M28.9 27.78a1.13 1.13 0 0 1-1.2 1H1.2a1.13 1.13 0 0 1-1.2-1V17.31a1.13 1.13 0 0 1 1.2-1h26.5a1.13 1.13 0 0 1 1.2 1z"> </path> <path fill="#c2c7c9" fill-rule="evenodd" d="M26.7 8.87h7L24.37 0v6.65a2.3 2.3 0 0 0 2.33 2.22z"></path> <path fill="#fff" d="M12.62 19.94c0-.26.29-.49.66-.49a.57.57 0 0 1 .61.49v4h2.81c1 0 1 1 0 1h-3.42c-.37 0-.66-.2-.66-.48zm6 .72c.24-1.55 3.27-1.83 4.7-1 .7.44-.05 1.13-.67.78s-2.5-.55-2.72.28c-.28 1.31 4.22.56 4.15 2.69s-3.88 2.08-5.31 1.16a.49.49 0 0 1-.21-.67l.07-.11a.72.72 0 0 1 .92 0c.85.44 3 .78 3.19-.36-.1-1.21-4.4-.5-4.08-2.77zm-10.32.72l1.8-1.74c.53-.55 1.58.15 1 .67s-1.27 1.18-1.89 1.81l2.11 2c.57.6-.57 1.18-1.13.59l-1.9-1.89-1.89 2c-.52.58-1.69-.07-1.1-.62l2.07-2c-.65-.63-1.28-1.24-1.91-1.81s.56-1.22 1-.66z"> </path> </symbol> <symbol id="zip" viewBox="0 0 340 345"> <path fill="#eaeced" d="M75.1 0C61.8 0 51 9.7 51 21.6v301.9c0 11.9 10.8 21.6 24.1 21.6h240.8c13.2 0 24.1-9.7 24.1-21.6v-231L243.7 0H75.1z"> </path> <path fill="#c2c7c9" d="M267 90h70.1L243.7 0v67.5c0 12.4 10.5 22.5 23.3 22.5zM126.2 23.8H157v30.8h-30.8zM95.5 54.6h30.8v30.8H95.5zm0 61.8h30.8v30.8H95.5z"> </path> <path fill="#c2c7c9" d="M126.2 85.3H157v30.8h-30.8zm0 61.9H157V178h-30.8z"></path> <path fill="#858f95" d="M289 281.9c0 5.9-5.4 10.6-12 10.6H12c-6.6 0-12-4.8-12-10.6V175.6c0-5.9 5.4-10.6 12-10.6h265c6.6 0 12 4.8 12 10.6v106.3z"> </path> <path fill="#fff" d="M118.7 255H75.2v-8.1l28-40.6H76V196h42v8.1l-28 40.6h28.8V255zm19.5 0v-59h12.4v59h-12.4zm77.7-40.6c0 6.4-2 11.2-5.9 14.6s-9.5 5-16.8 5H188v21h-12.4v-59h18.7c7.1 0 12.5 1.6 16.2 4.6 3.6 3.1 5.4 7.7 5.4 13.8zm-27.9 9.4h4.1c3.8 0 6.7-.8 8.6-2.3 1.9-1.5 2.8-3.7 2.8-6.6 0-2.9-.8-5.1-2.4-6.5-1.6-1.4-4.1-2.1-7.5-2.1H188v17.5z"> </path> </symbol> <symbol id="notification" viewBox="0 0 36 36"> <path d="M17.9997 0C8.059 0 0 8.05964 0 18.0003C0 27.9404 8.059 36.0006 17.9997 36.0006C27.9404 36.0006 36 27.941 36 18.0003C36.0003 8.059 27.9404 0 17.9997 0ZM18.0002 27.9545C16.7081 27.9545 15.6603 26.9076 15.6603 25.6146H20.3396C20.3399 26.9073 19.292 27.9545 18.0002 27.9545ZM25.9068 23.2681H25.9063C25.9063 24.1332 25.2052 24.1902 24.3406 24.1902H11.6594C10.7945 24.1902 10.0939 24.1332 10.0939 23.2681V23.119C10.0939 22.4967 10.4593 21.964 10.9844 21.7112L11.4813 17.4208C11.4813 14.2798 13.7025 11.6583 16.6597 11.0398V9.37416C16.6597 8.63384 17.2601 8.03346 18.0009 8.03346C18.7413 8.03346 19.3416 8.63389 19.3416 9.37416L19.3414 11.0401C22.2986 11.6584 24.5198 14.2798 24.5198 17.4211L25.0167 21.7122C25.5418 21.9654 25.907 22.4972 25.907 23.1193L25.9068 23.2681Z" fill="white" /> </symbol> <symbol id="warning" viewBox="0 0 45 45"> <path d="M22.5 45C34.926 45 45 34.926 45 22.5C45 10.074 34.926 0 22.5 0C10.074 0 0 10.074 0 22.5C0 34.926 10.074 45 22.5 45ZM25 12.6839V23.3161C25 24.7984 23.8807 26 22.5 26C21.1193 26 20 24.7984 20 23.3161V12.6839C20 11.2016 21.1193 10 22.5 10C23.8807 10 25 11.2016 25 12.6839ZM23 29C24.2133 29 25.3072 29.7309 25.7716 30.8519C26.2359 31.9729 25.9792 33.2633 25.1212 34.1212C24.2633 34.9792 22.9729 35.2359 21.8519 34.7716C20.7309 34.3072 20 33.2133 20 32C20 30.3431 21.3431 29 23 29Z" /> </symbol> <symbol id="up-arrow" viewBox="0 0 17 10"> <path d="M1.98205 9.71387L8.47988 3.58932L15.06 9.67357L16.705 8.10215L8.56213 0.285295L0.295898 8.02156L1.98205 9.71387Z" /> </symbol> <symbol id="error" viewBox="0 0 22 23"> <circle cx="11" cy="11.5" r="10" fill="#C62521" stroke="#D6DADC" stroke-width="2" /> <path d="M14.1374 15.6835L10.9564 12.5026L7.81901 15.64L6.86036 14.6813L9.99777 11.5439L6.81678 8.36291L7.86258 7.3171L11.0436 10.4981L14.181 7.36068L15.1396 8.31933L12.0022 11.4567L15.1832 14.6377L14.1374 15.6835Z" fill="white" /> </symbol> <symbol id="success" viewBox="0 0 22 23"> <circle cx="11" cy="11.5" r="10" fill="#3AA66E" stroke="#D6DADC" stroke-width="2" /> <path d="M10.0745 12.2823L8.19427 10.4463L6.92578 11.685L10.0745 14.7597L15.4813 9.47991L14.2128 8.24121L10.0745 12.2823Z" fill="white" /> </symbol> <symbol id="add" viewBox="0 0 48 48"> <circle cx="24" cy="24" r="22" fill="#F2EEEE" stroke="#D9D5D5" stroke-width="4" /> <path d="M32.0207 25.25H25.1457V32.75H22.854V25.25H15.979V22.75H22.854V15.25H25.1457V22.75H32.0207V25.25Z" fill="#34454E" /> </symbol> <symbol id="my-projection" viewBox="0 0 461 345.41"> <g> <path fill="#d4e6eb" d="m220.69,335.22c73.24-8.45,152.82,32.2,188.7-7.61,23.08-25.6,43.59-51.71,50.35-131.17,6.32-74.24-12.58-135.42-25.94-158.22-25.96-44.32-113.71-17.51-207.84-32.59C123.82-10.74,53.79,9.46,16.35,55.18c-24.46,29.87-1.15,63.37-10.77,110.09-16.71,81.11,4.32,123.51,60.84,161.03,43.72,29.02,78.55,17.66,154.27,8.93"/> <ellipse fill="#bed9e2" cx="235.34" cy="279.04" rx="155" ry="17.5"/> <g> <circle fill="#e6d27f" cx="121.13" cy="156.15" r="12.44"/> <circle fill="#e6d27f" cx="185.89" cy="96.83" r="12.44"/> <circle fill="#e6d27f" cx="250.66" cy="104.34" r="12.44"/> <circle fill="#e6d27f" cx="315.43" cy="62.88" r="12.44"/> <g> <path fill="#36a064" d="m100.15,184.28h39.87c3.13,0,5.67,2.54,5.67,5.67v85.59h-45.54v-91.26h0Z"/> <path fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" d="m95.8,178.99h39.87c3.13,0,5.67,2.54,5.67,5.67v85.59h-45.54v-91.26h0Z"/> </g> <g> <path fill="#36a064" d="m164.91,127.06h39.87c3.13,0,5.67,2.54,5.67,5.67v142.81h-45.54V127.06h0Z"/> <path fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" d="m160.57,121.77h39.87c3.13,0,5.67,2.54,5.67,5.67v142.81h-45.54V121.77h0Z"/> </g> <g> <path fill="#36a064" d="m294.44,89.2h39.87c3.13,0,5.67,2.54,5.67,5.67v179.2h-45.54V89.2h0Z"/> <path fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" d="m290.1,83.92h39.87c3.13,0,5.67,2.54,5.67,5.67v179.2h-45.54V83.92h0Z"/> </g> <g> <path fill="#36a064" d="m229.68,132.34h39.87c3.13,0,5.67,2.54,5.67,5.67v137.53h-45.54v-143.2h0Z"/> <path fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" d="m225.34,127.06h39.87c3.13,0,5.67,2.54,5.67,5.67v137.53h-45.54V127.06h0Z"/> </g> <circle fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" cx="118.57" cy="153.44" r="12.44"/> <circle fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" cx="183.34" cy="94.13" r="12.44"/> <circle fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" cx="248.11" cy="101.64" r="12.44"/> <circle fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" cx="312.87" cy="60.18" r="12.44"/> <line fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="125.87" y1="143.38" x2="173.43" y2="101.64"/> <line fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="195.78" y1="94.13" x2="235.67" y2="100.57"/> <line fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="260.55" y1="101.64" x2="301.14" y2="64.28"/> </g> <g> <rect fill="#dfc354" x="330.18" y="269.76" width="52.54" height="10.95" rx="4" ry="4"/> <rect fill="none" stroke-miterlimit="10" stroke="#34464f" stroke-width="1.5px" x="328.77" y="268.35" width="52.54" height="10.95" rx="4" ry="4"/> <rect fill="#dfc354" x="330.18" y="255.94" width="52.54" height="10.95" rx="4" ry="4"/> <rect fill="none" stroke-miterlimit="10" stroke="#34464f" stroke-width="1.5px" x="328.77" y="254.53" width="52.54" height="10.95" rx="4" ry="4"/> <rect fill="#dfc354" x="330.29" y="241.71" width="52.54" height="10.95" rx="4" ry="4"/> <rect fill="none" stroke-miterlimit="10" stroke="#34464f" stroke-width="1.5px" x="328.87" y="240.3" width="52.54" height="10.95" rx="4" ry="4"/> <rect fill="#dfc354" x="328.99" y="226.2" width="52.54" height="10.95" rx="4" ry="4"/> <rect fill="none" stroke-miterlimit="10" stroke="#34464f" stroke-width="1.5px" x="327.58" y="224.78" width="52.54" height="10.95" rx="4" ry="4"/> <g> <g> <ellipse fill="#dfc354" cx="356.46" cy="221.42" rx="20.6" ry="13.04" transform="translate(-5.19 8.59) rotate(-1.37)"/> <ellipse fill="none" stroke-miterlimit="10" stroke="#34464f" stroke-width="1.5px" cx="356.41" cy="218.51" rx="20.6" ry="13.04" transform="translate(-5.12 8.59) rotate(-1.37)"/> </g> <path fill="#44515a" d="m348.48,219.11c0-.21.08-.39.28-.55.2-.16.5-.24.89-.25l1.57-.05-.1-2.18c-.03-.58.09-1.13.34-1.66.25-.53.64-1,1.18-1.4.54-.41,1.22-.74,2.04-.99.83-.25,1.8-.4,2.93-.44.78-.02,1.48.02,2.1.12.62.11,1.18.26,1.67.46.49.2.92.44,1.29.72.37.28.68.59.95.92l-1.42.63c-.31.11-.58.17-.82.17-.36.01-.68-.08-.98-.27-.19-.13-.38-.25-.56-.36-.18-.11-.38-.2-.6-.27s-.44-.13-.69-.16c-.25-.03-.53-.05-.86-.04-1,.03-1.74.26-2.22.69-.48.43-.7,1.02-.67,1.75l.1,2.19,5.96-.19.04.9c0,.15-.08.29-.27.41s-.43.2-.73.21l-4.94.16.08,1.79c.02.41-.09.77-.31,1.09-.22.32-.54.63-.95.91.71-.13,1.43-.2,2.14-.23l8.54-.27.04.96c0,.11-.03.23-.09.34-.07.12-.17.23-.3.33-.13.1-.29.18-.48.25s-.4.1-.63.11l-13.98.45-.06-1.43c.33-.06.64-.14.94-.24.3-.1.56-.22.78-.37s.4-.31.52-.51c.13-.19.19-.41.18-.67l-.11-2.41-2.78.09-.03-.73Z"/> <g> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" x1="340.53" y1="217.43" x2="342.44" y2="219.54"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" x1="342.08" y1="215" x2="343.99" y2="217.11"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" x1="343.76" y1="212.83" x2="345.68" y2="214.94"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" x1="340.04" y1="220.66" x2="341.96" y2="222.77"/> </g> </g> <g> <g> <ellipse fill="#dfc354" cx="357.14" cy="272.17" rx="22.44" ry="14.08" transform="translate(-50.32 83.49) rotate(-12.46)"/> <ellipse fill="none" stroke-miterlimit="10" stroke="#34464f" stroke-width="1.5px" cx="355.66" cy="269.32" rx="22.44" ry="14.08" transform="translate(-49.74 83.11) rotate(-12.46)"/> </g> <path fill="#44515a" d="m347.74,272.47c-.11-.2-.1-.41.02-.63.13-.22.39-.4.8-.54l.61-.21c.52-.18.75-.78.48-1.26l-.66-1.19c-.31-.56-.47-1.14-.47-1.74,0-.6.18-1.19.53-1.76.36-.57.9-1.12,1.63-1.63.73-.52,1.67-.97,2.82-1.37.79-.27,1.54-.46,2.23-.56.7-.1,1.35-.12,1.95-.08.61.04,1.17.14,1.69.3.04.01.08.03.12.04.64.2.8,1.03.31,1.48l-.16.15c-.26.21-.52.35-.77.44-.37.13-.75.14-1.14.04-.26-.07-.51-.12-.76-.17-.24-.05-.49-.07-.75-.08s-.52.02-.8.06c-.28.05-.58.13-.9.24-1.02.35-1.67.82-1.95,1.4-.28.58-.23,1.22.17,1.94l.81,1.47c.21.38.66.55,1.06.41l4.67-1.62c.41-.14.85.03,1.06.41l.13.23c.08.14.06.31-.07.49s-.34.33-.65.44l-4.05,1.4c-.52.18-.75.78-.48,1.26l.45.82c.22.39.29.79.22,1.18-.07.39-.25.79-.53,1.2.68-.36,1.38-.66,2.1-.91l8.01-2.77c.41-.14.85.03,1.06.41l.16.28c.06.11.08.23.07.37-.01.14-.06.28-.15.42-.09.14-.21.27-.37.4s-.36.23-.6.31l-13.55,4.69c-.41.14-.85-.03-1.06-.41h0c-.22-.4-.09-.89.28-1.15.06-.04.11-.08.17-.12.26-.19.47-.4.63-.61s.26-.44.29-.67c.04-.23-.01-.47-.15-.71l-.93-1.69c-.21-.38-.66-.55-1.06-.41l-2.14.74-.39-.71Z"/> <g> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" x1="338.13" y1="274.03" x2="341.14" y2="275.49"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" x1="338.54" y1="271.14" x2="341.55" y2="272.6"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" x1="339.22" y1="268.46" x2="342.23" y2="269.92"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" x1="339.21" y1="277.36" x2="342.23" y2="278.83"/> </g> </g> </g> <g> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="175.75" y1="144.73" x2="169.89" y2="136.47"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="179.57" y1="142.99" x2="171.86" y2="132.14"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="183.45" y1="140.32" x2="176.99" y2="131.21"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="185.86" y1="136.53" x2="182.3" y2="131.51"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="169.78" y1="144.35" x2="168.25" y2="142.19"/> </g> <g> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="130.84" y1="252.62" x2="136.7" y2="260.88"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="127.02" y1="254.36" x2="134.73" y2="265.22"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="123.14" y1="257.04" x2="129.6" y2="266.14"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="120.73" y1="260.82" x2="124.3" y2="265.84"/> <line stroke-linecap="round" fill="none" stroke-miterlimit="10" stroke="#34454e" stroke-width="1.5px" x1="136.81" y1="253.01" x2="138.34" y2="255.16"/> </g> </g> </symbol> <symbol id="asset-27" viewBox="0 0 461 345.41"> <defs> <clipPath id="clippath"> <path fill="none" d="m220.69,335.22c73.24-8.45,152.82,32.2,188.7-7.61,23.08-25.6,43.59-51.71,50.35-131.17,6.32-74.24-12.58-135.42-25.94-158.22-25.96-44.32-113.71-17.51-207.84-32.59C123.82-10.74,53.79,9.46,16.35,55.18c-24.46,29.87-1.15,63.37-10.77,110.09-16.71,81.11,4.32,123.51,60.84,161.03,43.72,29.02,78.55,17.66,154.27,8.93" /> </clipPath> <clipPath id="clippath-1"> <rect fill="none" x="-10" y="-7.99" width="487" height="365.25" /> </clipPath> </defs> <g clip-path="url(#clippath)"> <rect fill="#d8e8ed" x="-10" y="-9" width="487" height="365.25" /> <g clip-path="url(#clippath-1)"> <ellipse fill="#c4e4d3" cx="228.93" cy="329.36" rx="282.56" ry="61.38" /> <ellipse fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" cx="225.89" cy="326.32" rx="282.56" ry="61.38" /> <g> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="19.5" y1="291.78" x2="23.5" y2="294.47" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="29.54" y1="289.12" x2="38.76" y2="295.31" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="40.63" y1="287.16" x2="54" y2="295.42" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="51.72" y1="285.21" x2="69.24" y2="295.52" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="62.81" y1="283.25" x2="82.41" y2="294.97" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="75.92" y1="281.21" x2="96.61" y2="294.37" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="88.02" y1="279.21" x2="109.78" y2="293.81" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="101.17" y1="277.91" x2="123.98" y2="293.22" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="113.3" y1="276.65" x2="137.15" y2="292.66" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="125.44" y1="275.4" x2="151.35" y2="292.06" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="138.58" y1="274.1" x2="164.49" y2="290.77" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="151.73" y1="272.8" x2="177.64" y2="289.47" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="164.88" y1="271.5" x2="190.82" y2="288.91" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="177.68" y1="270.48" x2="201.9" y2="286.96" /> <line stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" x1="191.44" y1="269.9" x2="207.12" y2="280.16" /> </g> </g> <ellipse fill="#b0dbc5" cx="225" cy="315" rx="81" ry="10" /> <path fill="#44515a" d="m230.79,21c-1.34-.63-2.99-1-4.79-1s-3.45.37-4.79,1h-3.33v289.94h.16c.75,2.31,4.02,4.06,7.95,4.06s7.2-1.74,7.95-4.06h.16V21h-3.33Z" /> <path fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" d="m228.58,18.29c-1.34-.63-2.99-1-4.79-1s-3.45.37-4.79,1h-3.33v289.94h.16c.75,2.31,4.02,4.06,7.95,4.06s7.2-1.74,7.95-4.06h.16V18.29h-3.33Z" /> <polygon fill="#f1c6a8" points="181.29 27.04 181.29 75.4 314 64 314 78.73 341.27 52.89 316.01 27.04 316.01 42 181.29 27.04" /> <polygon fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" points="179.09 24.34 179.09 72.69 311.79 61.29 311.79 76.02 339.06 50.18 313.81 24.34 313.81 39.29 179.09 24.34" /> <polygon fill="#f1c6a8" points="119 110 145 86 145 98 277 90 277 132.63 146 122 145.15 134.96 119 110" /> <polygon fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" points="116.79 107.29 142.79 83.29 142.79 95.29 274.79 87.29 274.79 129.92 143.79 119.29 142.94 132.25 116.79 107.29" /> <path stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" d="m80.32,144.61s-1-5.39-5.39-5.39-10.92,5.84-10.92,5.84c0,0-6.54-5.84-10.92-5.84s-5.39,5.39-5.39,5.39" /> <path stroke-linecap="round" fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" d="m421.23,85.49s-1-5.39-5.39-5.39-10.92,5.84-10.92,5.84c0,0-6.54-5.84-10.92-5.84s-5.39,5.39-5.39,5.39" /> <polygon fill="#f1c6a8" points="137 171 157.51 150 157.51 163.52 264.43 177.09 264.43 217.79 158.58 183.9 158 198 137 171" /> <polygon fill="none" stroke="#34464f" stroke-miterlimit="10" stroke-width="1.5px" points="134.79 168.29 155.3 147.29 155.3 160.81 262.22 174.38 262.22 215.08 156.37 181.19 155.79 195.29 134.79 168.29" /> </g> </symbol> <symbol id="retirement-quote" viewBox="0 0 3842 2879"> <path fill="#bfd9e2" fill-rule="nonzero" d="M1270.083 2324.832h328.166v41.584h-328.166v-41.584Zm0 124.75h900.083v41.584h-900.083v-41.584Z"/> <path fill="#d4e6eb" fill-rule="nonzero" d="M2002.583 84.917c-610.334 70.416-1273.5-268.334-1572.5 63.416C237.75 361.583 66.833 579.25 10.5 1241.416c-52.667 618.667 104.833 1128.5 216.167 1318.5C443 2929.249 1174.25 2705.832 1958.666 2831.499c851.166 136.416 1434.75-31.917 1746.833-412.917 203.833-248.916 9.583-528.083 89.75-917.416 139.25-675.916-36-1029.25-507-1341.916-364.334-241.833-654.583-147.167-1285.583-74.417"/> <path fill="#fff" fill-rule="nonzero" d="M2847.749 2235.416V360H1247.666v1847.75s-40.416 306.166 190.5 306.166H2847.75"/> <path fill="#bfd9e2" fill-rule="nonzero" d="M1438.083 554.416h1219.166v63.167H1438.083v-63.167Zm319.083 308.417h900.083v41.583h-900.083v-41.583Zm-159.5-207.917h900.083V696.5h-900.083v-41.584Zm159.5 332.75h328.166v41.584h-328.166v-41.584Zm0 124.75h900.083V1154h-900.083v-41.584Zm-319.083 124.834h1219.166v41.583H1438.083v-41.583Zm0 124.75h1219.166v41.583H1438.083v-41.584Zm0 124.75h647.666v41.583h-647.666v-41.584Zm319.083 249.583h900.083v41.583h-900.083v-41.583Zm0 124.75h900.083v41.583h-900.083v-41.583Zm0 124.75h900.083v41.583h-900.083v-41.583Zm-319.083 124.833h1219.166v41.583H1438.083v-41.583Zm0 124.75h422.25v41.583h-422.25v-41.583Zm0-1372.583h268.166V1154h-268.166V862.833Zm0 868.583h268.166v296.083h-268.166v-296.083Z"/> <path fill="none" stroke="#34454e" stroke-width="12.499995" d="M2890.416 2514.749V317.167H1290.333v1847.749s-40.417 306.166 190.5 306.166"/> <path fill="#fff" fill-rule="nonzero" d="M2678.999 2380.332V504.916H1053.416v1847.75s-41.083 306.166 193.5 306.166h1432"/> <path fill="#bfd9e2" fill-rule="nonzero" d="M1272.083 1050.916h470.166v41.584h-470.166v-41.584Zm0-112.166h448.5v41.583h-448.5V938.75Zm0 336.416h961.333v41.583h-961.333v-41.583Zm0 112.167h1302.083v41.583H1272.083v-41.583Zm0 112.083h1302.083V1541H1272.083v-41.583Zm0 112.167h1123.5v41.583h-1123.5v-41.583Z"/> <path fill="none" stroke="#34454e" stroke-width="12.499995" d="M2708.582 2373.666V458.916H1108.5v1847.75s-40.417 306.166 190.5 306.166h1173.332"/> <path fill="#bfd9e2" fill-rule="nonzero" d="M1272.083 1723.75h1302.083v41.583H1272.083z"/> <use xlink:href="#a" width="310" height="310" transform="matrix(.91667 0 0 .91667 2320.666 567.166)"/> <path fill="#bfd9e2" fill-rule="nonzero" d="M1272.083 826.583h470.166v41.583h-470.166v-41.583Zm0-112.167h456.833V756h-456.833v-41.584Zm0-112.083h514.666v41.583h-514.666v-41.583Zm872 450.083h440.166v25h-440.167v-25Zm0-53.833h440.166v25h-440.167v-25Zm-872 847.416h1006.833v41.584H1272.083v-41.584Zm0 112.084h1302.083v41.583H1272.083v-41.583Zm0 112.166h1302.083v41.583H1272.083v-41.583Zm0 112.167h1115.166v41.583H1272.083v-41.583Zm0 112.083h1302.083v41.583H1272.083V2294.5Z"/> <defs> <image xlink:href="data:image/png;base64,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" id="a" width="310" height="310"/> </defs> </symbol> <symbol id="take-less-dc" viewBox="0 0 461 345.41"> <defs> <style> .cls-1{fill:#44515a}.cls-2,.cls-3,.cls-4{fill:none;stroke:#34464f;stroke-miterlimit:10}.cls-2,.cls-4{stroke-linecap:round}.cls-5{fill:#d0dbe3}.cls-7{fill:#747981}.cls-8{fill:#999ca2}.cls-3,.cls-4{stroke-width:1.5px}.cls-10{fill:#bcccd8}.cls-11{fill:#dfc354}.cls-12{fill:#545d65}.cls-13{fill:#d9e1e7} </style> </defs> <path fill="#d4e6eb" d="M240.31 10.19c-73.24 8.45-152.82-32.2-188.7 7.61C28.53 43.39 8.02 69.51 1.26 148.97c-6.32 74.24 12.58 135.42 25.94 158.22 25.96 44.32 113.71 17.51 207.84 32.59 102.14 16.37 172.17-3.83 209.62-49.55 24.46-29.87 1.15-63.37 10.77-110.09 16.71-81.11-4.32-123.51-60.84-161.03-43.72-29.02-78.55-17.66-154.27-8.93" /> <path d="M433.49 130.95c0-3.84-7.05-16.67-18.58-29.03 0-3.81.06-13.88.06-13.88h-.07c-.25-7.99-22.9-14.44-50.8-14.44s-50.54 6.45-50.79 14.43h-.2s.19 10.57.19 14.04v.04c-11.51 12.28-18.57 24.98-18.58 28.82-.04 0-.07.01-.07.01s.06 126.86.06 133.68c0 8.05 31.06 14.57 69.38 14.57s69.38-6.52 69.38-14.57c0-4.65-.06-133.68-.06-133.68h.06Z" class="cls-10" /> <path d="M428.88 134.03c0-3.49-6.59-15.12-17.39-26.32 0-3.45.06-12.59.06-12.59h-.07c-.24-7.24-21.43-13.09-47.54-13.09s-47.3 5.85-47.54 13.09h-.19s.18 9.58.18 12.73v.04c-10.77 11.14-17.38 22.65-17.39 26.13-.04 0-.06.01-.06.01s.06 115.58.06 121.76c0 7.3 32.83-6.23 68.7-6.23s61.18 13.53 61.18 6.23c0-4.21-.06-121.76-.06-121.76h.06Z" class="cls-13" /> <rect width="15.07" height="126.73" x="316.75" y="129.62" class="cls-5" rx="5.99" ry="5.99" /> <path d="M433.49 264.5c0 8.05-31.06 14.57-69.38 14.57s-69.38-6.52-69.38-14.57c0-6.82 22.3-12.54 52.42-14.13 5.43-.29 11.11-.44 16.96-.44 16.19 0 31.08 1.16 42.89 3.12 16.13 2.67 26.49 6.81 26.49 11.45ZM294.73 130.82c0-8.05 31.26-55.48 69.58-55.48s68.6 47.56 68.6 55.61" class="cls-3" /> <path d="M414.37 101.95c0 8.05-23.4 14.57-52.27 14.57s-52.27-6.52-52.27-14.57c0-3.47-.2-14.04-.2-14.04s36.05-.53 52.47-.53 52.34.53 52.34.53-.07 10.35-.07 14.04Z" class="cls-7" /> <ellipse cx="362.11" cy="88.04" class="cls-8" rx="52.27" ry="14.57" /> <path d="M294.66 130.95v133.68" class="cls-3" /> <path d="M379.42 90.32h-34.76l1.07-3.75h32.62l1.07 3.75z" class="cls-12" /> <rect width="41.31" height="8.61" x="298.35" y="253.24" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="297.24" y="252.13" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="298.35" y="242.38" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="297.24" y="241.27" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="298.43" y="231.19" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="297.32" y="230.08" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="344.44" y="260.96" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="343.33" y="259.85" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="344.44" y="250.1" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="343.33" y="248.98" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="344.53" y="238.91" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="343.42" y="237.8" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="389.66" y="254.26" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="388.55" y="253.14" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="389.66" y="243.39" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="388.55" y="242.28" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="389.75" y="232.2" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="388.64" y="231.09" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="343.51" y="226.71" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="342.4" y="225.59" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="343.71" y="214.91" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="342.6" y="213.8" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="388.73" y="221.26" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="387.62" y="220.15" class="cls-3" rx="3.42" ry="3.42" /> <ellipse cx="368.27" cy="208.71" class="cls-11" rx="13.22" ry="17.64" transform="rotate(-75.25 368.263 208.71)" /> <ellipse cx="367.43" cy="207.4" class="cls-3" rx="13.22" ry="17.64" transform="rotate(-75.25 367.429 207.405)" /> <path d="M360.73 206.14c.05-.21.17-.36.38-.47.2-.11.47-.12.8-.04l1.31.32.48-2.15c.13-.57.36-1.09.71-1.55.34-.46.79-.83 1.34-1.1.55-.27 1.2-.44 1.94-.5.75-.06 1.59.03 2.53.25.65.16 1.21.36 1.7.61s.9.53 1.26.84c.35.31.64.64.87 1.01.23.36.41.73.55 1.12l-1.33.28c-.28.03-.52.03-.72-.02-.3-.07-.54-.24-.73-.49-.12-.17-.25-.33-.37-.48-.12-.15-.26-.28-.42-.41s-.33-.23-.53-.32-.43-.17-.7-.24c-.83-.2-1.5-.15-2.01.16-.51.31-.84.83-1 1.56l-.49 2.16 4.96 1.2-.2.9c-.03.15-.14.26-.33.34s-.4.09-.65.03l-4.11-.99-.4 1.77c-.09.4-.27.74-.54 1-.27.27-.61.49-1.02.67.62.04 1.23.13 1.82.28l7.11 1.72-.21.95c-.02.11-.08.21-.17.32-.09.1-.2.19-.33.25-.13.07-.29.11-.46.13s-.35 0-.55-.04l-11.64-2.81.32-1.42c.29.02.56.01.84-.01.27-.03.52-.09.74-.18s.41-.22.56-.37c.16-.16.26-.36.32-.61l.54-2.38-2.32-.56.16-.72Z" class="cls-1" /> <path d="m353.23 201.2 1.03 2.52M355.13 199.18l1.03 2.52M357.08 197.45l1.03 2.51M351.99 204.26l1.03 2.51" class="cls-2" /> <ellipse cx="410.86" cy="256.15" class="cls-11" rx="17.64" ry="11.07" transform="rotate(-12.46 410.995 256.214)" /> <ellipse cx="409.7" cy="253.91" class="cls-3" rx="17.64" ry="11.07" transform="rotate(-12.46 409.805 253.952)" /> <path d="M403.47 256.38c-.09-.16-.08-.32.02-.5.1-.17.31-.31.63-.42l.48-.17c.41-.14.59-.61.38-.99l-.52-.94c-.24-.44-.37-.9-.37-1.37 0-.47.14-.93.42-1.39.28-.45.71-.88 1.28-1.29.57-.41 1.31-.76 2.22-1.08.62-.22 1.21-.36 1.76-.44.55-.07 1.06-.1 1.54-.07s.92.11 1.33.23c.03 0 .06.02.1.03.5.16.63.81.25 1.17l-.12.11c-.21.16-.41.28-.6.34-.29.1-.59.11-.9.04-.2-.05-.4-.1-.6-.13-.19-.04-.39-.06-.59-.06s-.41.01-.63.05c-.22.04-.45.1-.71.19-.8.28-1.31.64-1.54 1.1-.22.45-.18.96.13 1.53l.64 1.16c.16.3.52.43.83.32l3.68-1.27c.32-.11.67.02.83.32l.1.18c.06.11.04.24-.06.39s-.27.26-.51.34l-3.18 1.1c-.41.14-.59.61-.38.99l.36.64c.17.31.23.62.17.93-.06.31-.2.62-.42.95.53-.28 1.08-.52 1.65-.71l6.3-2.18c.32-.11.67.02.83.32l.12.22c.05.08.07.18.06.29 0 .11-.05.22-.12.33a1.39 1.39 0 0 1-.76.55l-10.65 3.69a.682.682 0 0 1-.83-.32c-.17-.31-.07-.7.22-.91.04-.03.09-.06.13-.09.2-.15.37-.31.49-.48s.2-.34.23-.52 0-.37-.11-.56l-.73-1.33a.686.686 0 0 0-.83-.32l-1.68.58-.31-.56Z" class="cls-1" /> <path d="m394.34 256.82 2.37 1.15M394.66 254.55l2.38 1.15M395.2 252.44l2.37 1.16M395.19 259.45l2.37 1.15" class="cls-2" /> <ellipse cx="365.32" cy="264.47" class="cls-11" rx="11.07" ry="17.64" transform="rotate(-86.58 365.315 264.473)" /> <ellipse cx="364.82" cy="262" class="cls-3" rx="11.07" ry="17.64" transform="rotate(-86.58 364.808 262.002)" /> <path d="M358.15 262.67c-.04-.18.01-.33.15-.47.14-.14.38-.22.72-.23l1.33-.07-.43-1.85c-.11-.49-.11-.96.02-1.42.13-.45.39-.86.78-1.22s.92-.65 1.58-.89c.66-.23 1.47-.38 2.43-.43.66-.04 1.26-.02 1.81.06s1.05.2 1.5.36c.45.16.85.36 1.21.59.36.23.68.48.96.76l-1.11.56c-.24.1-.47.15-.67.16-.3.02-.6-.05-.87-.21-.18-.11-.36-.2-.54-.29-.17-.09-.36-.16-.55-.22s-.4-.1-.62-.12c-.22-.02-.46-.03-.73-.01-.85.05-1.44.26-1.78.64-.34.38-.43.88-.29 1.5l.43 1.86 5.05-.28.18.77c.03.13-.02.24-.16.36s-.33.18-.59.19l-4.18.24.35 1.52c.08.34.05.66-.09.94-.14.28-.36.55-.66.79.59-.12 1.18-.2 1.78-.24l7.23-.41.19.81c.02.09.01.19-.03.29-.04.1-.11.2-.2.29-.1.09-.22.16-.37.22s-.32.09-.52.1l-11.84.67-.28-1.21c.27-.06.52-.13.76-.22s.44-.2.61-.33.29-.28.37-.44c.08-.17.09-.36.04-.57l-.47-2.04-2.36.13-.14-.62Z" class="cls-1" /> <path d="m349.25 260.6 1.97 1.75M350.19 258.5l1.96 1.75M351.28 256.62l1.96 1.76M349.35 263.35l1.97 1.76M297.34 263.83l3.74 5.35M300.07 262.88l5.82 7.37M304.18 263.14l5.67 7.36M308.5 263.68l5.98 7.76M312.64 264.5l5.96 7.73M316.36 264.6l5.73 7.44M320.33 264.99l7.09 9.2M324.44 265.24l8.19 10.35M328.76 265.79l5.98 7.76M332.9 266.6l5.96 7.73M378.45 127.28l5.73-7.44M382.42 126.89l7.08-9.2M386.52 126.64l6.53-8.25M391.45 125.34l7.48-9.63M394.99 125.28l8.76-11.17M398.71 125.18l9.31-12.14M402.68 124.79l7.08-9.2M408.56 122.67l5.35-7.49M411.1 123.99l5.98-7.76M415.25 123.17l2.93-4.25" class="cls-2" /> <rect width="4.16" height="66.3" x="306.36" y="143.52" class="cls-5" rx="1.65" ry="1.65" /> <ellipse cx="360.5" cy="86.44" class="cls-3" rx="52.27" ry="14.57" /> <path d="M412.84 84.17s-.07 10.35-.07 14.04c0 8.05-23.4 14.57-52.27 14.57s-52.27-6.52-52.27-14.57c0-3.47-.2-14.04-.2-14.04" class="cls-3" /> <path d="M176.32 135.48c0-3.84-7.05-16.67-18.58-29.03 0-3.81.06-13.88.06-13.88h-.07c-.25-7.99-22.9-14.44-50.8-14.44s-50.54 6.45-50.79 14.43h-.2s.19 10.57.19 14.04v.04c-11.51 12.28-18.57 24.98-18.58 28.82-.04 0-.07.01-.07.01s.06 126.86.06 133.68c0 8.05 31.06 14.57 69.38 14.57s69.38-6.52 69.38-14.57c0-4.65-.06-133.68-.06-133.68h.06Z" class="cls-10" /> <path d="M171.7 138.56c0-3.49-6.59-15.12-17.39-26.32 0-3.45.06-12.59.06-12.59h-.07c-.24-7.24-21.43-13.09-47.54-13.09s-47.3 5.85-47.54 13.09h-.19s.18 9.58.18 12.73v.04c-10.77 11.14-17.38 22.65-17.39 26.13-.04 0-.06.01-.06.01s.06 115.58.06 121.76c0 7.3 32.83-6.23 68.7-6.23s61.18 13.53 61.18 6.23c0-4.21-.06-121.76-.06-121.76h.06Z" class="cls-13" /> <rect width="15.07" height="126.73" x="59.58" y="134.15" class="cls-5" rx="5.99" ry="5.99" /> <path d="M176.32 269.03c0 8.05-31.06 14.57-69.38 14.57s-69.38-6.52-69.38-14.57c0-6.82 22.3-12.54 52.42-14.13 5.43-.29 11.11-.44 16.96-.44 16.19 0 31.08 1.16 42.89 3.12 16.13 2.67 26.49 6.81 26.49 11.45ZM37.56 135.35c0-8.05 31.26-55.48 69.58-55.48s68.6 47.56 68.6 55.61" class="cls-3" /> <path d="M157.2 106.47c0 8.05-23.4 14.57-52.27 14.57s-52.27-6.52-52.27-14.57c0-3.47-.2-14.04-.2-14.04s36.05-.53 52.47-.53 52.34.53 52.34.53-.07 10.35-.07 14.04Z" class="cls-7" /> <ellipse cx="104.93" cy="92.57" class="cls-8" rx="52.27" ry="14.57" /> <path d="M37.49 135.48v133.68M175.73 135.48l.52 133.95" class="cls-3" /> <path d="M122.24 94.84H87.49l1.07-3.74h32.61l1.07 3.74z" class="cls-12" /> <rect width="41.31" height="8.61" x="41.18" y="257.77" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="40.06" y="256.66" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="87.27" y="265.49" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="86.16" y="264.38" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="87.27" y="254.62" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="86.16" y="253.51" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="132.49" y="258.78" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="131.38" y="257.67" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="132.49" y="247.92" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="131.38" y="246.81" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="132.57" y="236.73" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="131.46" y="235.62" class="cls-3" rx="3.42" ry="3.42" /> <ellipse cx="63.73" cy="255.65" class="cls-11" rx="17.33" ry="10.88" transform="rotate(-12.46 63.762 255.712)" /> <ellipse cx="62.59" cy="253.45" class="cls-3" rx="17.33" ry="10.88" transform="rotate(-12.46 62.613 253.5)" /> <path d="M56.47 255.87c-.09-.16-.08-.32.02-.49.1-.17.3-.31.62-.42l1.24-.43-.9-1.63c-.24-.43-.36-.88-.36-1.35 0-.46.14-.92.41-1.36.27-.44.69-.86 1.26-1.26.56-.4 1.29-.75 2.18-1.06.61-.21 1.19-.35 1.73-.43.54-.07 1.04-.1 1.51-.07a5.776 5.776 0 0 1 2.41.69l-.9.83c-.2.16-.4.27-.59.34-.28.1-.58.11-.88.03-.2-.05-.4-.09-.58-.13-.19-.04-.38-.06-.58-.06s-.4.01-.62.05c-.21.04-.45.1-.7.18-.79.27-1.29.63-1.51 1.08-.22.45-.17.95.13 1.5l.91 1.64 4.69-1.63.37.68c.06.11.04.24-.06.38s-.27.26-.5.34l-3.89 1.35.74 1.34c.17.3.22.61.17.91-.06.3-.19.61-.41.93.52-.27 1.06-.51 1.62-.7l6.73-2.33.4.72c.05.08.06.18.06.29 0 .11-.05.22-.11.32-.07.11-.16.21-.29.31s-.28.18-.46.24l-11.01 3.81-.59-1.07c.24-.13.46-.26.66-.41.2-.15.36-.31.48-.47s.2-.34.23-.52 0-.36-.11-.55l-1-1.8-2.19.76-.3-.55Z" class="cls-1" /> <path d="m47.5 256.31 2.33 1.13M47.82 254.07l2.33 1.13M48.35 252l2.33 1.14M48.34 258.88l2.33 1.14" class="cls-4" /> <ellipse cx="154.94" cy="235.53" class="cls-11" rx="17.64" ry="11.07" transform="rotate(-12.46 154.994 235.59)" /> <ellipse cx="153.78" cy="233.29" class="cls-3" rx="17.64" ry="11.07" transform="rotate(-12.46 153.85 233.334)" /> <path d="M147.55 235.76c-.09-.16-.08-.32.02-.5.1-.17.31-.31.63-.42l.48-.17c.41-.14.59-.61.38-.99l-.52-.94c-.24-.44-.37-.9-.37-1.37 0-.47.14-.93.42-1.39.28-.45.71-.88 1.28-1.29.57-.41 1.31-.76 2.22-1.08.62-.22 1.21-.36 1.76-.44.55-.07 1.06-.1 1.54-.07s.92.11 1.33.23c.03 0 .06.02.1.03.5.16.63.81.25 1.17l-.12.11c-.21.16-.41.28-.6.34-.29.1-.59.11-.9.04-.2-.05-.4-.1-.6-.13-.19-.04-.39-.06-.59-.06s-.41.01-.63.05c-.22.04-.45.1-.71.19-.8.28-1.31.64-1.54 1.1-.22.45-.18.96.13 1.53l.64 1.16c.16.3.52.43.83.32l3.68-1.27c.32-.11.67.02.83.32l.1.18c.06.11.04.24-.06.39s-.27.26-.51.34l-3.18 1.1c-.41.14-.59.61-.38.99l.36.64c.17.31.23.62.17.93-.06.31-.2.62-.42.95.53-.28 1.08-.52 1.65-.71l6.3-2.18c.32-.11.67.02.83.32l.12.22c.05.08.07.18.06.29 0 .11-.05.22-.12.33a1.39 1.39 0 0 1-.76.55L151 240.26a.682.682 0 0 1-.83-.32c-.17-.31-.07-.7.22-.91.04-.03.09-.06.13-.09.2-.15.37-.31.49-.48s.2-.34.23-.52 0-.37-.11-.56l-.73-1.33a.686.686 0 0 0-.83-.32l-1.68.58-.31-.56Z" class="cls-1" /> <path d="m138.43 236.2 2.37 1.15M138.75 233.92l2.37 1.16M139.28 231.82l2.37 1.15M139.28 238.82l2.37 1.15" class="cls-4" /> <ellipse cx="108.15" cy="269" class="cls-11" rx="11.07" ry="17.64" transform="rotate(-86.58 108.14 268.999)" /> <ellipse cx="107.65" cy="266.53" class="cls-3" rx="11.07" ry="17.64" transform="rotate(-86.58 107.639 266.522)" /> <path d="M100.98 267.2c-.04-.18.01-.33.15-.47.14-.14.38-.22.72-.23l1.33-.07-.43-1.85c-.11-.49-.11-.96.02-1.42.13-.45.39-.86.78-1.22s.92-.65 1.58-.89c.66-.23 1.47-.38 2.43-.43.66-.04 1.26-.02 1.81.06s1.05.2 1.5.36c.45.16.85.36 1.21.59.36.23.68.48.96.76l-1.11.56c-.24.1-.47.15-.67.16-.3.02-.6-.05-.87-.21-.18-.11-.36-.2-.54-.29-.17-.09-.36-.16-.55-.22s-.4-.1-.62-.12c-.22-.02-.46-.03-.73-.01-.85.05-1.44.26-1.78.64-.34.38-.43.88-.29 1.5l.43 1.86 5.05-.28.18.77c.03.13-.02.24-.16.36s-.33.18-.59.19l-4.18.24.35 1.52c.08.34.05.66-.09.94-.14.28-.36.55-.66.79.59-.12 1.18-.2 1.78-.24l7.23-.41.19.81c.02.09.01.19-.03.29-.04.1-.11.2-.2.29-.1.09-.22.16-.37.22s-.32.09-.52.1l-11.84.67-.28-1.21c.27-.06.52-.13.76-.22s.44-.2.61-.33.29-.28.37-.44c.08-.17.09-.36.04-.57l-.47-2.04-2.36.13-.14-.62Z" class="cls-1" /> <path d="m92.08 265.13 1.96 1.75M93.01 263.03l1.97 1.75M94.1 261.15l1.97 1.75M92.18 267.88l1.97 1.76" class="cls-4" /> <path d="m40.16 268.36 3.75 5.35M42.89 267.41l5.83 7.37M47 267.67l5.67 7.36M51.32 268.21l5.98 7.76M55.47 269.03l5.96 7.73M59.19 269.13l5.73 7.44M63.15 269.52l7.09 9.2M67.26 269.77l8.2 10.35M71.58 270.32l5.98 7.76M75.73 271.13l5.95 7.73M121.27 131.81l5.74-7.44M125.24 131.42l7.09-9.2M129.35 131.17l6.53-8.25M134.27 129.87l7.49-9.63M137.82 129.81l8.75-11.17M141.53 129.71l9.32-12.14M145.5 129.32l7.09-9.2M151.39 127.2l5.34-7.49M153.93 128.52l5.98-7.76M158.08 127.7l2.93-4.25" class="cls-2" /> <rect width="4.16" height="66.3" x="49.18" y="148.05" class="cls-5" rx="1.65" ry="1.65" /> <ellipse cx="103.33" cy="90.97" class="cls-3" rx="52.27" ry="14.57" /> <path d="M155.66 88.7s-.07 10.35-.07 14.04c0 8.05-23.4 14.57-52.27 14.57s-52.27-6.52-52.27-14.57c0-3.47-.2-14.04-.2-14.04" class="cls-3" /> <rect width="41.31" height="8.61" x="298.09" y="219.99" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="296.97" y="218.88" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="298.09" y="208.67" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="296.97" y="207.56" class="cls-3" rx="3.42" ry="3.42" /> <ellipse cx="319.65" cy="203.32" class="cls-11" rx="17.33" ry="10.88" transform="rotate(-12.46 319.755 203.382)" /> <ellipse cx="318.51" cy="201.12" class="cls-3" rx="17.33" ry="10.88" transform="rotate(-12.46 318.606 201.17)" /> <path d="M312.39 203.55c-.09-.16-.08-.32.02-.49.1-.17.3-.31.62-.42l1.24-.43-.9-1.63c-.24-.43-.36-.88-.36-1.35 0-.46.14-.92.41-1.36.27-.44.69-.86 1.26-1.26.56-.4 1.29-.75 2.18-1.06.61-.21 1.19-.35 1.73-.43.54-.07 1.04-.1 1.51-.07a5.776 5.776 0 0 1 2.41.69l-.9.83c-.2.16-.4.27-.59.34-.28.1-.58.11-.88.03-.2-.05-.4-.09-.58-.13-.19-.04-.38-.06-.58-.06s-.4.01-.62.05c-.21.04-.45.1-.7.18-.79.27-1.29.63-1.51 1.08-.22.45-.17.95.13 1.5l.91 1.64 4.69-1.63.37.68c.06.11.04.24-.06.38s-.27.26-.5.34l-3.89 1.35.74 1.34c.17.3.22.61.17.91-.06.3-.19.61-.41.93.52-.27 1.06-.51 1.62-.7l6.73-2.33.4.72c.05.08.06.18.06.29 0 .11-.05.22-.11.32-.07.11-.16.21-.29.31s-.28.18-.46.24l-11.01 3.81-.59-1.07c.24-.13.46-.26.66-.41.2-.15.36-.31.48-.47s.2-.34.23-.52 0-.36-.11-.55l-1-1.8-2.19.76-.3-.55Z" class="cls-1" /> <path d="m303.42 203.98 2.33 1.13M303.74 201.75l2.33 1.13M304.26 199.68l2.33 1.13M304.26 206.56l2.33 1.13" class="cls-2" /> <path fill="#61b88b" d="m272.55 189.33-25-23.27v11.63h-45.23v21.61h45.23v13.3l25-23.27z" /> <path d="m270.84 188.38-25-23.27v11.64h-45.23v21.6h45.23v13.3l25-23.27z" class="cls-3" /> <rect width="41.31" height="8.61" x="388.64" y="208.67" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="387.53" y="207.56" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="387.39" y="196.09" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="386.27" y="194.98" class="cls-3" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="387.39" y="184.77" class="cls-11" rx="3.42" ry="3.42" /> <rect width="41.31" height="8.61" x="386.27" y="183.66" class="cls-3" rx="3.42" ry="3.42" /> <ellipse cx="405.3" cy="182.28" class="cls-11" rx="16.2" ry="10.25" transform="rotate(-1.37 405.623 182.19)" /> <ellipse cx="405.26" cy="179.99" class="cls-3" rx="16.2" ry="10.25" transform="rotate(-1.37 405.23 180.095)" /> <path d="M399.02 180.47c0-.16.07-.31.22-.43.16-.12.39-.19.7-.2l1.24-.04-.08-1.71c-.02-.45.07-.89.26-1.3.2-.42.5-.78.93-1.1.42-.32.96-.58 1.61-.78.65-.2 1.42-.31 2.3-.34.61-.02 1.16.01 1.65.1.49.08.93.2 1.31.36.39.16.72.35 1.01.57.29.22.54.46.75.72l-1.12.49c-.24.09-.46.13-.65.14-.28 0-.54-.06-.77-.21-.15-.1-.3-.19-.44-.28-.15-.08-.3-.16-.47-.21s-.35-.1-.55-.13c-.2-.03-.42-.04-.67-.03-.79.03-1.37.21-1.74.55-.38.34-.55.8-.52 1.38l.08 1.72 4.69-.15.03.71c0 .12-.06.22-.21.33s-.34.16-.57.16l-3.89.12.06 1.41c.01.32-.07.61-.24.86-.18.26-.42.49-.74.72.56-.1 1.12-.16 1.68-.18l6.72-.21.03.75c0 .09-.02.18-.07.27-.05.09-.13.18-.24.26-.1.08-.23.14-.38.19s-.31.08-.5.08l-10.99.35-.05-1.12c.26-.05.5-.11.74-.19.23-.08.44-.17.61-.29s.31-.25.41-.4c.1-.15.15-.33.14-.52l-.08-1.89-2.19.07-.03-.57Z" class="cls-1" /> <path d="m391.2 178.36 1.5 1.66M392.42 176.45l1.5 1.66M393.74 174.74l1.51 1.66M390.82 180.9l1.5 1.66" class="cls-2" /> </symbol> <symbol id="further-changes" viewBox="0 0 461 345.41"> <path fill="#d4e6eb" d="M220.69 335.22c73.24-8.45 152.82 32.2 188.7-7.61 23.08-25.6 43.59-51.71 50.35-131.17 6.32-74.24-12.58-135.42-25.94-158.22C407.84-6.1 320.09 20.71 225.96 5.63 123.82-10.74 53.79 9.46 16.35 55.18-8.11 85.05 15.2 118.55 5.58 165.27-11.13 246.38 9.9 288.78 66.42 326.3c43.72 29.02 78.55 17.66 154.27 8.93" /> <rect fill="#34464f" width="255.46" height="166.49" x="110.18" y="53.65" rx="13" ry="13" /> <path fill="#e9f2f5" d="M116.55 64.81h242.71v146.71H116.55z" /> <ellipse fill="#868a90" cx="238.13" cy="59.75" rx="2.73" ry="2.76" /> <path fill="#34464f" d="M120.38 217.28h234.88c5.52 0 12.31 2.74 15.1 6.08 14.33 17.18 28.67 34.35 43 51.53 2.79 3.34-1.32 6.08-9.14 6.08H71.41c-7.81 0-11.93-2.74-9.14-6.08 14.33-17.18 28.67-34.35 43-51.53 2.79-3.34 9.59-6.08 15.1-6.08Z" /> <path fill="#868a90" d="M239.96 260.69h16.85c1.69 0 2.99-.65 2.91-1.45-.24-2.1-.35-3.15-.59-5.25-.09-.8-1.49-1.45-3.1-1.45h-16.15c-1.62 0-2.94.65-2.95 1.45-.01 2.1-.02 3.15-.02 5.25 0 .8 1.37 1.45 3.06 1.45Zm6.53-11.01-.25-5.25c-.04-.8-1.32-1.45-2.86-1.45h-15.33c-1.54 0-2.84.65-2.89 1.45-.15 2.1-.22 3.15-.37 5.25-.06.8 1.21 1.45 2.82 1.45h16.03c1.61 0 2.89-.65 2.85-1.45Zm-26.12 0c.2-2.1.3-3.15.49-5.25.07-.8-1.12-1.45-2.65-1.45h-15.33c-1.53 0-2.93.65-3.1 1.45-.44 2.1-.67 3.15-1.11 5.25-.17.8 1.01 1.45 2.61 1.45h16.03c1.61 0 2.98-.65 3.05-1.45Zm9.65-8.72c1.52 0 2.78-.65 2.8-1.45l.15-5.25c.02-.8-1.14-1.45-2.59-1.45h-14.46c-1.45 0-2.73.65-2.84 1.45-.31 2.1-.46 3.15-.77 5.25-.12.8 1.03 1.45 2.55 1.45h15.16Zm84.39 0h15.16c1.52 0 2.41-.65 1.98-1.45-1.12-2.1-1.69-3.15-2.81-5.25-.43-.8-1.96-1.45-3.41-1.45h-14.46c-1.45 0-2.36.65-2.03 1.45l2.2 5.25c.33.8 1.85 1.45 3.37 1.45Zm-59.5 0c1.52 0 2.69-.65 2.6-1.45-.24-2.1-.35-3.15-.59-5.25-.09-.8-1.35-1.45-2.8-1.45h-14.46c-1.45 0-2.64.65-2.64 1.45 0 2.1-.01 3.15-.02 5.25 0 .8 1.23 1.45 2.75 1.45h15.16Zm40.4 19.73h16.85c1.69 0 2.81-.65 2.5-1.45-.83-2.1-1.24-3.15-2.07-5.25-.31-.8-1.89-1.45-3.51-1.45h-16.15c-1.62 0-2.76.65-2.54 1.45.58 2.1.87 3.15 1.46 5.25.22.8 1.78 1.45 3.47 1.45Zm-5.78-19.73h15.16c1.52 0 2.5-.65 2.19-1.45-.83-2.1-1.24-3.15-2.07-5.25-.31-.8-1.76-1.45-3.2-1.45h-14.46c-1.45 0-2.45.65-2.23 1.45.58 2.1.87 3.15 1.46 5.25.22.8 1.64 1.45 3.16 1.45Zm35.32 8.72-2.47-5.25c-.37-.8-1.94-1.45-3.47-1.45h-15.33c-1.54 0-2.56.65-2.28 1.45l1.85 5.25c.28.8 1.82 1.45 3.43 1.45h16.03c1.61 0 2.61-.65 2.24-1.45Zm-60.21-8.72h15.16c1.52 0 2.59-.65 2.39-1.45-.53-2.1-.8-3.15-1.33-5.25-.2-.8-1.55-1.45-3-1.45H263.4c-1.45 0-2.54.65-2.43 1.45.29 2.1.43 3.15.72 5.25.11.8 1.44 1.45 2.96 1.45Zm3 19.73h16.85c1.69 0 2.9-.65 2.7-1.45-.53-2.1-.8-3.15-1.33-5.25-.2-.8-1.69-1.45-3.31-1.45h-16.16c-1.62 0-2.85.65-2.74 1.45.29 2.1.43 3.15.72 5.25.11.8 1.58 1.45 3.27 1.45Zm31.09-11.01c-.69-2.1-1.04-3.15-1.73-5.25-.26-.8-1.73-1.45-3.27-1.45H278.4c-1.54 0-2.65.65-2.48 1.45.44 2.1.67 3.15 1.11 5.25.17.8 1.62 1.45 3.23 1.45h16.03c1.61 0 2.7-.65 2.44-1.45Zm-86.43 11.01h16.85c1.69 0 3.09-.65 3.11-1.45l.15-5.25c.02-.8-1.28-1.45-2.9-1.45h-16.15c-1.62 0-3.04.65-3.15 1.45l-.77 5.25c-.12.8 1.17 1.45 2.86 1.45Zm-27.67 0h16.85c1.69 0 3.18-.65 3.31-1.45.36-2.1.53-3.15.89-5.25.14-.8-1.08-1.45-2.69-1.45h-16.16c-1.62 0-3.13.65-3.36 1.45-.6 2.1-.9 3.15-1.51 5.25-.23.8.97 1.45 2.65 1.45Zm-77.35-8.14c-1.62 0-3.4.65-3.97 1.45-1.49 2.1-2.24 3.15-3.73 5.25-.57.8.35 1.45 2.04 1.45h16.85c1.69 0 3.45-.65 3.93-1.45 1.24-2.1 1.87-3.15 3.11-5.25.47-.8-.46-1.45-2.08-1.45h-16.15Zm48.09-11.59c1.52 0 3.05-.65 3.41-1.45.95-2.1 1.42-3.15 2.37-5.25.36-.8-.53-1.45-1.98-1.45h-14.46c-1.45 0-3 .65-3.46 1.45-1.19 2.1-1.79 3.15-2.99 5.25-.45.8.42 1.45 1.94 1.45h15.16Zm-13.34 8.72c1.09-2.1 1.63-3.15 2.72-5.25.41-.8-.51-1.45-2.04-1.45h-15.33c-1.53 0-3.2.65-3.71 1.45l-3.33 5.25c-.51.8.39 1.45 2 1.45h16.03c1.61 0 3.26-.65 3.67-1.45Zm-12.74 11.01h16.85c1.69 0 3.36-.65 3.72-1.45l2.37-5.25c.36-.8-.67-1.45-2.29-1.45h-16.15c-1.62 0-3.31.65-3.76 1.45-1.19 2.1-1.79 3.15-2.99 5.25-.45.8.56 1.45 2.24 1.45Zm216.68-8.14c-1.62 0-2.58.65-2.13 1.45 1.17 2.1 1.76 3.15 2.94 5.25.45.8 2.19 1.45 3.88 1.45h32.29c1.69 0 2.58-.65 1.97-1.45-1.59-2.1-2.38-3.15-3.96-5.25-.6-.8-2.42-1.45-4.03-1.45h-30.95ZM134.1 239.52c1.24-2.1 1.87-3.15 3.11-5.25.47-.8-.33-1.45-1.77-1.45h-14.46c-1.45 0-3.09.65-3.66 1.45-1.49 2.1-2.24 3.15-3.73 5.25-.57.8.21 1.45 1.73 1.45h15.16c1.52 0 3.15-.65 3.62-1.45Zm71.04 1.45c1.52 0 2.87-.65 3.01-1.45.36-2.1.53-3.15.89-5.25.14-.8-.94-1.45-2.39-1.45h-14.46c-1.45 0-2.82.65-3.05 1.45-.6 2.1-.9 3.15-1.51 5.25-.23.8.83 1.45 2.34 1.45h15.16Zm-10.88 8.72 1.23-5.25c.19-.8-.92-1.45-2.45-1.45h-15.33c-1.54 0-3.02.65-3.3 1.45l-1.85 5.25c-.28.8.8 1.45 2.41 1.45H191c1.61 0 3.07-.65 3.26-1.45Zm-37.3 11.01h16.85c1.69 0 3.27-.65 3.52-1.45.65-2.1.98-3.15 1.63-5.25.25-.8-.87-1.45-2.49-1.45h-16.15c-1.62 0-3.22.65-3.56 1.45l-2.25 5.25c-.34.8.76 1.45 2.45 1.45Zm23.29-19.73c1.52 0 2.96-.65 3.21-1.45.65-2.1.98-3.15 1.63-5.25.25-.8-.73-1.45-2.18-1.45h-14.46c-1.45 0-2.91.65-3.25 1.45l-2.25 5.25c-.34.8.62 1.45 2.14 1.45h15.16Zm-12.11 8.72c.79-2.1 1.19-3.15 1.98-5.25.3-.8-.71-1.45-2.25-1.45h-15.33c-1.54 0-3.11.65-3.51 1.45-1.04 2.1-1.55 3.15-2.59 5.25-.39.8.6 1.45 2.2 1.45h16.03c1.61 0 3.16-.65 3.46-1.45Zm104.47 0c-.39-2.1-.59-3.15-.99-5.25-.15-.8-1.53-1.45-3.06-1.45h-15.33c-1.54 0-2.75.65-2.69 1.45l.37 5.25c.06.8 1.42 1.45 3.02 1.45h16.03c1.61 0 2.8-.65 2.65-1.45ZM89.12 260.7h1.68c1.69 0 3.55-.65 4.13-1.45l3.85-5.25c.58-.8-.26-1.45-1.88-1.45h-1.61c-1.62 0-3.44.65-4.06 1.45l-4.06 5.25c-.62.8.26 1.45 1.95 1.45Zm42.77 2.57h-17.07c-1.71 0-3.52.65-4.03 1.45-1.33 2.1-2 3.15-3.33 5.25-.51.8.54 1.45 2.32 1.45h17.77c1.78 0 3.57-.65 3.98-1.45 1.09-2.1 1.63-3.15 2.72-5.25.41-.8-.65-1.45-2.36-1.45Zm-28.03 0H86.79c-1.71 0-3.61.65-4.23 1.45-1.63 2.1-2.44 3.15-4.07 5.25-.62.8.33 1.45 2.11 1.45h17.77c1.78 0 3.66-.65 4.19-1.45 1.38-2.1 2.07-3.15 3.46-5.25.52-.8-.45-1.45-2.15-1.45ZM96 251.14h16.03c1.61 0 3.35-.65 3.87-1.45l3.46-5.25c.52-.8-.3-1.45-1.84-1.45h-15.33c-1.53 0-3.3.65-3.91 1.45l-4.07 5.25c-.62.8.19 1.45 1.79 1.45Zm8.08-10.17h1.51c1.52 0 3.24-.65 3.82-1.45l3.85-5.25c.58-.8-.12-1.45-1.57-1.45h-1.44c-1.45 0-3.14.65-3.75 1.45-1.62 2.1-2.44 3.15-4.06 5.25-.62.8.12 1.45 1.64 1.45Zm6.92-9.56h14.34c1.44 0 3.04-.65 3.56-1.45 1.38-2.1 2.07-3.15 3.46-5.25.52-.8-.16-1.45-1.53-1.45h-13.64c-1.37 0-2.99.65-3.61 1.45-1.63 2.1-2.44 3.15-4.07 5.25-.62.8.05 1.45 1.49 1.45Zm189.08 31.86H171.2c-1.71 0-3.34.65-3.62 1.45-.74 2.1-1.1 3.15-1.84 5.25-.28.8.95 1.45 2.73 1.45h134.16c1.78 0 3.02-.65 2.76-1.45-.69-2.1-1.04-3.15-1.73-5.25-.26-.8-1.88-1.45-3.58-1.45Zm-140.16 0h-17.07c-1.71 0-3.43.65-3.82 1.45-1.04 2.1-1.55 3.15-2.59 5.25-.39.8.74 1.45 2.52 1.45h17.77c1.78 0 3.48-.65 3.78-1.45.79-2.1 1.19-3.15 1.98-5.25.3-.8-.85-1.45-2.56-1.45Zm232.4 6.7-3.95-5.25c-.6-.8-2.49-1.45-4.2-1.45H367.1c-1.71 0-2.69.65-2.19 1.45 1.33 2.1 2 3.15 3.33 5.25.51.8 2.38 1.45 4.15 1.45h17.77c1.78 0 2.75-.65 2.15-1.45Zm-73.02-10.71c.33.8 1.99 1.45 3.67 1.45h16.85c1.69 0 2.72-.65 2.29-1.45-1.12-2.1-1.69-3.15-2.81-5.25-.43-.8-2.1-1.45-3.72-1.45h-16.15c-1.62 0-2.67.65-2.33 1.45l2.2 5.25Zm-184.76-27.84h14.34c1.44 0 2.95-.65 3.36-1.45 1.09-2.1 1.63-3.15 2.72-5.25.41-.8-.37-1.45-1.73-1.45h-13.64c-1.37 0-2.9.65-3.4 1.45-1.33 2.1-2 3.15-3.33 5.25-.51.8.26 1.45 1.69 1.45Zm197.37 33.31c-.37-.8-2.08-1.45-3.79-1.45h-17.07c-1.71 0-2.88.65-2.6 1.45l1.85 5.25c.28.8 1.97 1.45 3.75 1.45h17.77c1.78 0 2.93-.65 2.55-1.45-.99-2.1-1.48-3.15-2.47-5.25Zm28.23 0c-.49-.8-2.28-1.45-3.99-1.45h-17.07c-1.71 0-2.79.65-2.39 1.45 1.04 2.1 1.55 3.15 2.59 5.25.39.8 2.17 1.45 3.95 1.45H361c1.78 0 2.84-.65 2.35-1.45-1.28-2.1-1.92-3.15-3.21-5.25Zm-17.29-34.75c.51.8 2.09 1.45 3.53 1.45h14.34c1.44 0 2.12-.65 1.52-1.45l-3.95-5.25c-.6-.8-2.21-1.45-3.57-1.45h-13.64c-1.37 0-2.07.65-1.56 1.45 1.33 2.1 2 3.15 3.33 5.25Zm-46.67 0c.28.8 1.69 1.45 3.12 1.45h14.34c1.44 0 2.3-.65 1.93-1.45-.99-2.1-1.48-3.15-2.47-5.25-.37-.8-1.8-1.45-3.16-1.45H296.3c-1.37 0-2.25.65-1.97 1.45l1.85 5.25Zm23.33 0c.39.8 1.89 1.45 3.32 1.45h14.34c1.44 0 2.21-.65 1.72-1.45-1.28-2.1-1.92-3.15-3.21-5.25-.49-.8-2-1.45-3.37-1.45h-13.64c-1.37 0-2.16.65-1.77 1.45 1.04 2.1 1.56 3.15 2.59 5.25Zm15.1 2.87c-1.45 0-2.27.65-1.82 1.45 1.17 2.1 1.76 3.15 2.94 5.25.45.8 2.05 1.45 3.57 1.45h29.04c1.52 0 2.27-.65 1.67-1.45-1.59-2.1-2.38-3.15-3.96-5.25-.6-.8-2.28-1.45-3.73-1.45h-27.7Zm16.35 16.86c-1.28-2.1-1.92-3.15-3.21-5.25-.49-.8-2.14-1.45-3.68-1.45h-15.33c-1.54 0-2.47.65-2.08 1.45 1.04 2.1 1.56 3.15 2.59 5.25.39.8 2.03 1.45 3.63 1.45h16.03c1.61 0 2.52-.65 2.03-1.45Zm2.96-6.7c-1.54 0-2.38.65-1.87 1.45 1.33 2.1 2 3.15 3.33 5.25.51.8 2.23 1.45 3.84 1.45h16.03c1.6 0 2.43-.65 1.83-1.45l-3.95-5.25c-.6-.8-2.35-1.45-3.88-1.45h-15.33Zm-172.3-11.59h14.34c1.44 0 2.76-.65 2.95-1.45.49-2.1.74-3.15 1.23-5.25.19-.8-.78-1.45-2.14-1.45h-13.64c-1.37 0-2.71.65-2.99 1.45l-1.85 5.25c-.28.8.66 1.45 2.1 1.45Zm23.54 0h14.34c1.44 0 2.67-.65 2.75-1.45.2-2.1.3-3.15.49-5.25.08-.8-.98-1.45-2.35-1.45h-13.64c-1.37 0-2.62.65-2.79 1.45-.44 2.1-.67 3.15-1.11 5.25-.17.8.87 1.45 2.3 1.45Zm-47.08 0h14.34c1.44 0 2.86-.65 3.15-1.45.79-2.1 1.19-3.15 1.98-5.25.3-.8-.57-1.45-1.94-1.45h-13.64c-1.37 0-2.8.65-3.2 1.45-1.04 2.1-1.55 3.15-2.59 5.25-.39.8.46 1.45 1.9 1.45Zm70.61 0h14.34c1.44 0 2.58-.65 2.54-1.45l-.25-5.25c-.04-.8-1.18-1.45-2.55-1.45h-13.64c-1.37 0-2.53.65-2.58 1.45-.15 2.1-.22 3.15-.37 5.25-.06.8 1.07 1.45 2.51 1.45Zm23.54 0h14.34c1.44 0 2.49-.65 2.34-1.45-.39-2.1-.59-3.15-.99-5.25-.15-.8-1.39-1.45-2.75-1.45h-13.64c-1.37 0-2.44.65-2.38 1.45.15 2.1.22 3.15.37 5.25.06.8 1.28 1.45 2.71 1.45Zm23.54 0h14.34c1.44 0 2.4-.65 2.13-1.45-.69-2.1-1.04-3.15-1.73-5.25-.26-.8-1.59-1.45-2.96-1.45h-13.64c-1.37 0-2.34.65-2.18 1.45.44 2.1.67 3.15 1.11 5.25.17.8 1.48 1.45 2.92 1.45Z" /> <path fill="#34464f" d="M61.65 276.36H414.4v1.52c0 3.98-3.23 7.21-7.21 7.21H68.87c-3.98 0-7.21-3.23-7.21-7.21v-1.52Z" /> <path fill="#c52827" d="m200.44 131.95-4.64 3.78c.71 2.37 1.63 4.66 2.72 6.84l5.96-.43c7.42-.53 13.52 5.76 12.77 13.16l-.6 5.95c2.15 1.16 4.41 2.14 6.76 2.92l3.92-4.52c4.87-5.62 13.63-5.49 18.33.27l3.78 4.64c2.37-.71 4.66-1.63 6.84-2.72l-.43-5.96c-.53-7.42 5.76-13.52 13.16-12.77l5.95.6c1.16-2.15 2.14-4.41 2.92-6.76l-4.52-3.92c-5.62-4.87-5.49-13.63.27-18.33l4.64-3.78c-.71-2.37-1.63-4.66-2.72-6.84l-5.96.43c-7.42.53-13.52-5.76-12.77-13.16l.6-5.95a42.295 42.295 0 0 0-6.76-2.92L246.74 87c-4.87 5.62-13.63 5.49-18.33-.27l-3.78-4.64c-2.37.71-4.66 1.63-6.84 2.72l.43 5.96c.53 7.42-5.76 13.52-13.16 12.77l-5.95-.6a42.295 42.295 0 0 0-2.92 6.76l4.52 3.92c5.62 4.87 5.49 13.63-.27 18.33Zm36.89-27.72c10.55.16 18.97 8.83 18.81 19.38-.16 10.55-8.83 18.97-19.38 18.81-10.55-.16-18.97-8.83-18.81-19.38.16-10.55 8.83-18.97 19.38-18.81Z" /> <path fill="#5d92ac" d="m260.04 167.28-3.46 1.22c-.08 1.52-.03 3.03.15 4.52l3.53.99c4.4 1.24 6.61 6.14 4.64 10.25l-1.59 3.31c1 1.12 2.1 2.15 3.3 3.09l3.2-1.8c3.98-2.23 9.02-.34 10.53 3.97l1.22 3.46c1.52.08 3.03.03 4.52-.15l.99-3.53c1.24-4.4 6.14-6.61 10.25-4.64l3.31 1.59c1.12-1 2.15-2.1 3.09-3.3l-1.8-3.2c-2.23-3.98-.34-9.02 3.97-10.53l3.46-1.22c.08-1.52.03-3.03-.15-4.52l-3.53-.99c-4.4-1.24-6.61-6.14-4.64-10.25l1.59-3.31c-1-1.12-2.1-2.15-3.3-3.09l-3.2 1.8c-3.98 2.23-9.02.34-10.53-3.97l-1.22-3.46c-1.52-.08-3.03-.03-4.52.15l-.99 3.53c-1.24 4.4-6.14 6.61-10.25 4.64l-3.31-1.59c-1.12 1-2.15 2.1-3.09 3.3l1.8 3.2c2.23 3.98.34 9.02-3.97 10.53Zm27.07-8.34c6.06 2.28 9.12 9.05 6.84 15.11-2.28 6.06-9.05 9.12-15.11 6.84-6.06-2.28-9.12-9.05-6.84-15.11 2.28-6.06 9.05-9.12 15.11-6.84Z" /> <path fill="none" stroke="#34454e" stroke-miterlimit="10" stroke-width="1.5px" d="m198.79 129.73-4.64 3.78c.71 2.37 1.63 4.66 2.72 6.84l5.96-.43c7.42-.53 13.52 5.76 12.77 13.16l-.6 5.95c2.15 1.16 4.41 2.14 6.76 2.92l3.92-4.52c4.87-5.62 13.63-5.49 18.33.27l3.78 4.64c2.37-.71 4.66-1.63 6.84-2.72l-.43-5.96c-.53-7.42 5.76-13.52 13.16-12.77l5.95.6c1.16-2.15 2.14-4.41 2.92-6.76l-4.52-3.92c-5.62-4.87-5.49-13.63.27-18.33l4.64-3.78c-.71-2.37-1.63-4.66-2.72-6.84l-5.96.43c-7.42.53-13.52-5.76-12.77-13.16l.6-5.95a42.295 42.295 0 0 0-6.76-2.92l-3.92 4.52c-4.87 5.62-13.63 5.49-18.33-.27l-3.78-4.64c-2.37.71-4.66 1.63-6.84 2.72l.43 5.96c.53 7.42-5.76 13.52-13.16 12.77l-5.95-.6a42.295 42.295 0 0 0-2.92 6.76l4.52 3.92c5.62 4.87 5.49 13.63-.27 18.33Zm36.89-27.72c10.55.16 18.97 8.83 18.81 19.38-.16 10.55-8.83 18.97-19.38 18.81-10.55-.16-18.97-8.83-18.81-19.38.16-10.55 8.83-18.97 19.38-18.81Z" /> <path fill="none" stroke="#34454e" stroke-miterlimit="10" stroke-width="1.5px" d="m258.4 165.06-3.46 1.22c-.08 1.52-.03 3.03.15 4.52l3.53.99c4.4 1.24 6.61 6.14 4.64 10.25l-1.59 3.31c1 1.12 2.1 2.15 3.3 3.09l3.2-1.8c3.98-2.23 9.02-.34 10.53 3.97l1.22 3.46c1.52.08 3.03.03 4.52-.15l.99-3.53c1.24-4.4 6.14-6.61 10.25-4.64l3.31 1.59c1.12-1 2.15-2.1 3.09-3.3l-1.8-3.2c-2.23-3.98-.34-9.02 3.97-10.53l3.46-1.22c.08-1.52.03-3.03-.15-4.52l-3.53-.99c-4.4-1.24-6.61-6.14-4.64-10.25l1.59-3.31c-1-1.12-2.1-2.15-3.3-3.09l-3.2 1.8c-3.98 2.23-9.02.34-10.53-3.97l-1.22-3.46c-1.52-.08-3.03-.03-4.52.15l-.99 3.53c-1.24 4.4-6.14 6.61-10.25 4.64l-3.31-1.59c-1.12 1-2.15 2.1-3.09 3.3l1.8 3.2c2.23 3.98.34 9.02-3.97 10.53Zm27.07-8.34c6.06 2.28 9.12 9.05 6.84 15.11-2.28 6.06-9.05 9.12-15.11 6.84-6.06-2.28-9.12-9.05-6.84-15.11 2.28-6.06 9.05-9.12 15.11-6.84Z" /> <path fill="#5d92ac" d="m168.55 167.59-3.46 1.22c-.08 1.52-.03 3.03.15 4.52l3.53.99c4.4 1.24 6.61 6.14 4.64 10.25l-1.59 3.31c1 1.12 2.1 2.15 3.3 3.09l3.2-1.8c3.98-2.23 9.02-.34 10.53 3.97l1.22 3.46c1.52.08 3.03.03 4.52-.15l.99-3.53c1.24-4.4 6.14-6.61 10.25-4.64l3.31 1.59c1.12-1 2.15-2.1 3.09-3.3l-1.8-3.2c-2.23-3.98-.34-9.02 3.97-10.53l3.46-1.22c.08-1.52.03-3.03-.15-4.52l-3.53-.99c-4.4-1.24-6.61-6.14-4.64-10.25l1.59-3.31c-1-1.12-2.1-2.15-3.3-3.09l-3.2 1.8c-3.98 2.23-9.02.34-10.53-3.97l-1.22-3.46c-1.52-.08-3.03-.03-4.52.15l-.99 3.53c-1.24 4.4-6.14 6.61-10.25 4.64l-3.31-1.59c-1.12 1-2.15 2.1-3.09 3.3l1.8 3.2c2.23 3.98.34 9.02-3.97 10.53Zm27.07-8.34c6.06 2.28 9.12 9.05 6.84 15.11-2.28 6.06-9.05 9.12-15.11 6.84-6.06-2.28-9.12-9.05-6.84-15.11 2.28-6.06 9.05-9.12 15.11-6.84Z" /> <path fill="none" stroke="#34454e" stroke-miterlimit="10" stroke-width="1.5px" d="m166.91 165.37-3.46 1.22c-.08 1.52-.03 3.03.15 4.52l3.53.99c4.4 1.24 6.61 6.14 4.64 10.25l-1.59 3.31c1 1.12 2.1 2.15 3.3 3.09l3.2-1.8c3.98-2.23 9.02-.34 10.53 3.97l1.22 3.46c1.52.08 3.03.03 4.52-.15l.99-3.53c1.24-4.4 6.14-6.61 10.25-4.64l3.31 1.59c1.12-1 2.15-2.1 3.09-3.3l-1.8-3.2c-2.23-3.98-.34-9.02 3.97-10.53l3.46-1.22c.08-1.52.03-3.03-.15-4.52l-3.53-.99c-4.4-1.24-6.61-6.14-4.64-10.25l1.59-3.31c-1-1.12-2.1-2.15-3.3-3.09l-3.2 1.8c-3.98 2.23-9.02.34-10.53-3.97l-1.22-3.46c-1.52-.08-3.03-.03-4.52.15l-.99 3.53c-1.24 4.4-6.14 6.61-10.25 4.64l-3.31-1.59c-1.12 1-2.15 2.1-3.09 3.3l1.8 3.2c2.23 3.98.34 9.02-3.97 10.53Zm27.07-8.34c6.06 2.28 9.12 9.05 6.84 15.11-2.28 6.06-9.05 9.12-15.11 6.84-6.06-2.28-9.12-9.05-6.84-15.11 2.28-6.06 9.05-9.12 15.11-6.84Z" /> </symbol> </svg> <div class="js-wrapper">  <nav aria-label="Skip links to menu and main content"> <ul class="c-accessmenu"> <li><a href="#main" accesskey="s">Skip to content</a></li> <li><a href="#meganav-main">Skip to menu</a></li> </ul> </nav> <header class="c-header"> <div class="c-header__inner"> <div class="c-header__logo"> <a class="c-header__logo-link" href="/"> <span class="visually-hidden">USS - Homepage</span> <svg class="c-header__logo-image c-header__logo-image--mobile" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#USS-logo"></use> </svg> <svg class="c-header__logo-image c-header__logo-image--desktop" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#USS-logotype"></use> </svg> </a> </div> <div class="c-header__links"> <span class="c-header__links-title"> My USS </span> <a class="c-header__links-link" href="/login"> Log in </a> <span class="c-header__links-bar"> | </span> <a class="c-header__links-link" href="/register-for-my-uss"> Register </a> </div> <div class="c-meganav-two js-meganav" id="meganav-main"> <div class="c-header__links"> <span class="c-header__links-title"> My USS </span> <a class="c-header__links-link" href="/login"> Log in </a> <span class="c-header__links-bar"> | </span> <a class="c-header__links-link" href="/register-for-my-uss"> Register </a> </div> <nav class="c-primary-navigation" aria-label="primary"> <div class="c-meganav-two__item c-meganav-two__item--first-level"> <a class="c-meganav-two__link c-meganav-two__link--first-level js-meganav__button" href="/about-us" role="button" aria-controls="second-level-dropdown-0" aria-expanded="false"> <span class="c-meganav-two__link-label">About us</span> <span class="c-meganav-two__button"> <span class="visually-hidden">Open sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <div class="c-meganav-two__inner js-meganav-inner c-meganav-two__inner--padding"> <div class="c-meganav-two__inner-contain c-meganav-two__inner-contain--one"> <ul class="c-meganav-two__second-level js-meganav__panel" id="second-level-dropdown-0"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--second-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="second-level-dropdown-0"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/about-us/celebrating-fifty-years"> <span class="c-meganav-two__link-label">Celebrating fifty years</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/about-us/who-we-are"> <span class="c-meganav-two__link-label">Who we are</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/about-us/purpose-and-values" aria-expanded="false" aria-controls="third-level-dropdown-0-2" role="button"> <span class="c-meganav-two__link-label">Purpose and values</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Purpose and values</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-0-2"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-0-2"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/purpose-and-values/diversity-and-inclusion"> Diversity and inclusion </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/about-us/how-were-governed" aria-expanded="false" aria-controls="third-level-dropdown-0-3" role="button"> <span class="c-meganav-two__link-label">How we're governed</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">How we're governed</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-0-3"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-0-3"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/key-terms-and-important-information"> Key terms and important information </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/advisory-committee"> Advisory Committee </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/joint-negotiating-committee"> Joint Negotiating Committee </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/people"> People </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/comments-and-complaints"> Comments and complaints </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/how-were-governed/managing-risk"> Managing risk </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/about-us/scheme-rules"> <span class="c-meganav-two__link-label">Scheme Rules</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/about-us/valuation-and-funding" aria-expanded="false" aria-controls="third-level-dropdown-0-5" role="button"> <span class="c-meganav-two__link-label">Valuation and funding</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Valuation and funding</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-0-5"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-0-5"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/our-valuations"> Our valuations </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/statement-of-funding-principles"> Statement of Funding Principles </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/schedule-of-contributions"> Schedule of Contributions </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/summary-funding-statement"> Summary Funding Statement </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/debt-monitoring-framework"> Debt monitoring framework </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/about-us/valuation-and-funding/2023-valuation"> 2023 valuation </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/about-us/report-and-accounts"> <span class="c-meganav-two__link-label">Report and Accounts</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/about-us/value-for-money"> <span class="c-meganav-two__link-label">Value for money</span> </a> </li> </ul> <div class="c-meganav-two__card-contain"> <article class="c-meganav-two__card"> <a href="/about-us/how-were-governed/people/uss-board" target="" class="c-meganav-two__card-link"> <div class="c-meganav-two__card-image" style="background-image: url('/-/media/project/ussmainsite/images/about-us/people/kate-barker_bio_comp.jpg?rev=26eb7ae3df5e4fb3a823eada71c7d08b')" aria-label="Dame Kate Barker Chair"> <span class="visually-hidden">Dame Kate Barker Chair</span> </div> <p class="c-meganav-two__card-title">Meet the USS Board</p> </a> </article> </div> </div> <div class="c-meganav-two__footer"> <a href="/about-us/report-and-accounts" class="c-meganav-two__footer-cta c-button" >Latest Report and Accounts</a> </div> </div> </div> <div class="c-meganav-two__item c-meganav-two__item--first-level"> <a class="c-meganav-two__link c-meganav-two__link--first-level js-meganav__button" href="/for-members" role="button" aria-controls="second-level-dropdown-1" aria-expanded="false"> <span class="c-meganav-two__link-label">For members</span> <span class="c-meganav-two__button"> <span class="visually-hidden">Open sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <div class="c-meganav-two__inner js-meganav-inner c-meganav-two__inner--padding"> <div class="c-meganav-two__inner-contain c-meganav-two__inner-contain--none"> <ul class="c-meganav-two__second-level js-meganav__panel" id="second-level-dropdown-1"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--second-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="second-level-dropdown-1"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/your-statutory-notice-of-changes-to-uss"> <span class="c-meganav-two__link-label">Your statutory notice of changes to USS</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/capita-cyber-incident-hub"> <span class="c-meganav-two__link-label">Capita cyber incident hub</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/youre-a-new-joiner" aria-expanded="false" aria-controls="third-level-dropdown-1-2" role="button"> <span class="c-meganav-two__link-label">You're a new joiner</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">You're a new joiner</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-2"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-2"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/youre-a-new-joiner/welcome-hub"> Welcome hub </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/youre-a-new-joiner/a-pensions-overview"> A pensions overview </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/youre-a-new-joiner/what-your-pension-might-look-like"> What your pension might look like </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/youre-a-new-joiner/what-to-do-next"> What to do next </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/leaving-or-already-left" aria-expanded="false" aria-controls="third-level-dropdown-1-3" role="button"> <span class="c-meganav-two__link-label">Leaving or already left</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Leaving or already left</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-3"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-3"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/leavers-hub"> Leavers’ hub </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/thinking-of-leaving"> Thinking of leaving </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/your-pension-after-leaving"> Your pension after leaving </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/getting-a-refund"> Getting a refund </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/transferring-to-another-scheme"> Transferring to another scheme </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/retirement-checklist-for-leavers"> Retirement checklist for leavers </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/leaving-or-already-left/a-timeline-to-retirement-for-leavers"> A timeline to retirement for leavers </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/your-pension-explained" aria-expanded="false" aria-controls="third-level-dropdown-1-4" role="button"> <span class="c-meganav-two__link-label">Your pension explained</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Your pension explained</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-4"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-4"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/how-your-pension-works"> How your pension works </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/retirement-income-builder"> Retirement Income Builder </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/what-you-pay-and-what-youll-get"> What you pay and what you'll get </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/investment-builder"> Investment Builder </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/key-features-of-the-investment-builder"> Key features of the Investment Builder </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/transferring-in-to-uss"> Transferring in to USS </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/taking-your-benefits-and-savings"> Taking your benefits and savings </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-pension-explained/mpavcs"> MPAVCs </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/calculate-your-benefits"> <span class="c-meganav-two__link-label">Calculate your benefits</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/your-benefits-before-april-2016"> <span class="c-meganav-two__link-label">Your benefits before April 2016</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/thinking-about-your-future" aria-expanded="false" aria-controls="third-level-dropdown-1-7" role="button"> <span class="c-meganav-two__link-label">Thinking about your future</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Thinking about your future</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-7"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-7"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/how-much-youll-need"> How much you'll need </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/pension-building-in-your-20s-and-30s"> Pension building in your 20s and 30s </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/saving-for-retirement-when-youre-40-plus"> Saving for retirement when you’re 40+ </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/preparing-for-retirement-when-youre-55-plus"> Preparing for retirement when you’re 55+ </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/using-your-investment-builder-pot"> Using your Investment Builder pot </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/retirement-planning-tool"> Retirement Planning Tool </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/thinking-about-your-future/a-timeline-to-retirement"> A timeline to retirement </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/life-events" aria-expanded="false" aria-controls="third-level-dropdown-1-8" role="button"> <span class="c-meganav-two__link-label">Life events</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Life events</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-8"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-8"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/life-events/changes-to-your-job"> Changes to your job </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/life-events/absence-from-work"> Absence from work </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/life-events/married-or-in-a-relationship"> Married or in a relationship </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/life-events/becoming-a-parent"> Becoming a parent </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/life-events/getting-divorced"> Getting divorced </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/life-events/working-or-retiring-overseas"> Working or retiring overseas </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/life-events/ill-health-retirement"> Ill health retirement </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/life-events/what-happens-when-you-die"> What happens when you die </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/your-retirement-journey" aria-expanded="false" aria-controls="third-level-dropdown-1-9" role="button"> <span class="c-meganav-two__link-label">Your retirement journey</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Your retirement journey</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-9"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-9"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-retirement-journey/retirement-hub"> Retirement hub </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-retirement-journey/stay-connected-in-retirement"> Stay connected in retirement </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-retirement-journey/what-will-loved-ones-and-beneficiaries-receive"> What will loved ones and beneficiaries receive </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-retirement-journey/your-pension-in-payment"> Your pension in payment </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/your-retirement-journey/youre-flexibly-retired"> You're flexibly retired </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/pension-tax" aria-expanded="false" aria-controls="third-level-dropdown-1-10" role="button"> <span class="c-meganav-two__link-label">Pension tax</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Pension tax</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-10"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-10"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/pension-tax/annual-allowance"> Annual Allowance </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/pension-tax/lump-sum-allowance-and-lump-sum-and-death-benefit-allowance"> Lump Sum Allowance and Lump Sum and Death Benefit Allowance </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/pension-tax/enhanced-opt-out"> Enhanced Opt Out </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/pension-tax/voluntary-salary-cap"> Voluntary Salary Cap </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/pension-tax/scheme-pays"> Scheme Pays </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/pension-tax/income-tax-in-retirement"> Income tax in retirement </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/for-members/guidance-and-financial-advice" aria-expanded="false" aria-controls="third-level-dropdown-1-11" role="button"> <span class="c-meganav-two__link-label">Guidance and financial advice</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Guidance and financial advice</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-1-11"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-1-11"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/for-members/guidance-and-financial-advice/guidance-webinars"> Guidance webinars </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/important-information-about-uss-and-your-pension"> <span class="c-meganav-two__link-label">Important information about USS and your pension</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/for-members/glossary"> <span class="c-meganav-two__link-label">Glossary</span> </a> </li> </ul> </div> <div class="c-meganav-two__footer"> <a href="/news-and-views/member-news" class="c-meganav-two__footer-cta c-button" >Read our latest member news</a> </div> </div> </div> <div class="c-meganav-two__item c-meganav-two__item--first-level"> <a class="c-meganav-two__link c-meganav-two__link--first-level js-meganav__button" href="/how-we-invest" role="button" aria-controls="second-level-dropdown-2" aria-expanded="false"> <span class="c-meganav-two__link-label">How we invest</span> <span class="c-meganav-two__button"> <span class="visually-hidden">Open sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <div class="c-meganav-two__inner js-meganav-inner "> <div class="c-meganav-two__inner-contain c-meganav-two__inner-contain--none"> <ul class="c-meganav-two__second-level js-meganav__panel" id="second-level-dropdown-2"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--second-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="second-level-dropdown-2"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/understanding-investments"> <span class="c-meganav-two__link-label">Understanding Investments</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/how-we-manage-the-funds"> <span class="c-meganav-two__link-label">How we manage the funds</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/our-investment-performance"> <span class="c-meganav-two__link-label">Our investment performance</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/how-we-invest/where-we-invest" aria-expanded="false" aria-controls="third-level-dropdown-2-3" role="button"> <span class="c-meganav-two__link-label">Where we invest</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Where we invest</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-2-3"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-2-3"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/how-we-invest/where-we-invest/private-market-investments"> Private market investments </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/how-we-invest/where-we-invest/public-market-investments"> Public market investments </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/our-principles-and-approach"> <span class="c-meganav-two__link-label">Our principles and approach</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level js-meganav__button" href="/how-we-invest/responsible-investment" aria-expanded="false" aria-controls="third-level-dropdown-2-5" role="button"> <span class="c-meganav-two__link-label">Responsible investment</span> <span class="c-meganav-two__button"> <span class="visually-hidden c-meganav-two__button-state">Open</span> <span class="visually-hidden">Responsible investment</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <ul class="c-meganav-two__third-level js-meganav__panel" id="third-level-dropdown-2-5"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--third-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="third-level-dropdown-2-5"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/how-we-invest/responsible-investment/responsible-investment-activities"> Responsible investment activities </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/how-we-invest/responsible-investment/our-journey-to-net-zero"> Our journey to Net Zero </a> </li> <li class="c-meganav-two__item c-meganav-two__item--third-level"> <a class="c-meganav-two__link c-meganav-two__link--third-level" href="/how-we-invest/responsible-investment/how-we-vote"> How we vote </a> </li> </ul> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/investment-strategies"> <span class="c-meganav-two__link-label">Investment Strategies</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/portfolio-construction-and-risk-management"> <span class="c-meganav-two__link-label">Portfolio Construction and Risk Management</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/private-markets-group"> <span class="c-meganav-two__link-label">Private Markets Group</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/fund-managers-and-external-managers"> <span class="c-meganav-two__link-label">Fund managers and external managers</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/case-studies"> <span class="c-meganav-two__link-label">Case studies</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/how-we-invest/investment-glossary"> <span class="c-meganav-two__link-label">Investment glossary</span> </a> </li> </ul> </div> </div> </div> <div class="c-meganav-two__item c-meganav-two__item--first-level"> <a class="c-meganav-two__link c-meganav-two__link--first-level js-meganav__button" href="/news-and-views" role="button" aria-controls="second-level-dropdown-3" aria-expanded="false"> <span class="c-meganav-two__link-label">News & views</span> <span class="c-meganav-two__button"> <span class="visually-hidden">Open sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> </span> </a> <div class="c-meganav-two__inner js-meganav-inner "> <div class="c-meganav-two__inner-contain c-meganav-two__inner-contain--two"> <ul class="c-meganav-two__second-level js-meganav__panel" id="second-level-dropdown-3"> <li class="c-meganav-two__item c-meganav-two__item--back c-meganav-two__item--second-level"> <button class="c-meganav-two__back-button js-meganav-back-button" aria-controls="second-level-dropdown-3"> <span class="visually-hidden">Back to previous sub navigation</span> <svg class="c-meganav-two__button-icon" focusable="false" aria-hidden="true"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#down-arrow"></use> </svg> <span class="c-meganav-two__back-button-label">Back</span> </button> </li> <li class="c-meganav-two__item c-meganav-two__item--parent"> <a class="c-meganav-two__link c-meganav-two__link--parent js-parent-link"></a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/news-and-views/member-news"> <span class="c-meganav-two__link-label">Member news</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/news-and-views/latest-news"> <span class="c-meganav-two__link-label">Corporate news</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/news-and-views/views-from-uss"> <span class="c-meganav-two__link-label">Views from USS</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/news-and-views/briefings-and-analysis"> <span class="c-meganav-two__link-label">Briefings and analysis</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/news-and-views/member-voice"> <span class="c-meganav-two__link-label">Member Voice Panel</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/news-and-views/member-webinars"> <span class="c-meganav-two__link-label">Member webinars</span> </a> </li> <li class="c-meganav-two__item c-meganav-two__item--second-level"> <a class="c-meganav-two__link c-meganav-two__link--second-level" href="/news-and-views/media-contacts"> <span class="c-meganav-two__link-label">Media contacts</span> </a> </li> </ul> <div class="c-meganav-two__card-contain"> <article class="c-meganav-two__card"> <a href="/news-and-views/views-from-uss/2024/08/08222024_developing-our-investment-capability-in-developed-markets" target="" class="c-meganav-two__card-link"> <div class="c-meganav-two__card-image" style="background-image: url('/-/media/project/ussmainsite/images/about-us/people/angus-parker_views-from-uss.jpg?rev=49d4ba5e041d4b76afa93b15b7cca4c3')" aria-label=""> <span class="visually-hidden"></span> </div> <p class="c-meganav-two__card-title">Developing our investment capability in developed markets</p> </a> </article> <article class="c-meganav-two__card"> <a href="/news-and-views/latest-news/2024/10/10082024_uss-awarded-gold-accreditation-from-investors-in-people" target="" class="c-meganav-two__card-link"> <div class="c-meganav-two__card-image" style="background-image: url('/-/media/project/ussmainsite/images/card-thumbnails/news-articles/invest-in-people.jpg?rev=e7bf760eca894754b272282c76655cf1')" aria-label=""> <span class="visually-hidden"></span> </div> <p class="c-meganav-two__card-title">USS awarded Gold accreditation from Investors in People</p> </a> </article> </div> </div> </div> </div> <div class="c-meganav-two__item c-meganav-two__item--first-level"> <a class="c-meganav-two__link c-meganav-two__link--first-level" href="/help-and-support"> <span class="c-meganav-two__link-label">Help & support</span> </a> </div> </nav> </div> <div class="c-header__ctas"> <button class="c-header__ctas-search js-search-toggle" aria-controls="searchbar" aria-expanded="false"> <svg aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#search"></use> </svg> <span class="visually-hidden js-search-toggle-label">Open search</span> </button> <span class="c-header__ctas-menu c-meganav-two__toggle"> <button class="c-meganav-two__toggle-btn js-meganav-trigger" aria-controls="meganav-main" aria-expanded="false" type="button"> <svg aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#burger-menu"></use> </svg> <svg aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#close"></use> </svg> <span class="visually-hidden js-menu-toggle-label">Toggle menu</span> </button>  <a class="c-meganav-two__fallback-link" href="/sitemap">Site map</a> </span> </div> </div> <div class="c-searchbar js-searchbar" id="searchbar"> <div class="c-searchbar__inner js-searchbar-inner"> <form class="c-searchbar__form js-search-form" action="/search-results" novalidate> <label class="c-searchbar__label" for="header-site-search">Search USS</label> <div class="c-searchbar__wrapper js-search-field"> <input class="c-searchbar__input js-search-input" id="header-site-search" name="searchTerm" type="text" placeholder="What are you looking for? " required> <button class="c-searchbar__submit js-search-submit" type="submit"> <svg aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#search" /> </svg> <span class="visually-hidden">Search</span> </button> </div> </form> <button type="button" class="c-searchbar__close js-search-close" aria-controls="searchbar" aria-expanded="true"> <svg class="c-searchbar__icon" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#close"></use> </svg> <span class="visually-hidden">Close Search</span> </button> </div> </div> <div class="c-site-wide-message c-site-wide-message--accent-two"> <div class="c-site-wide-message__container"> <svg class="c-site-wide-message__icon" role="img" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#information"></use> </svg> <div class="c-site-wide-message__content"> <p>Help us make USS better for everyone; <a href="/news-and-views/member-voice">join our research community</a></p> </div> </div> </div> </header> <main id="main"> <section class="c-banner"> <div class="c-banner__image c-banner__image--show-desktop " style="background-image: url(/-/media/project/ussmainsite/images/page-banners/investments_1400x360_comp.jpg?rev=7bf4ce3c15e5411b9157603ff952090d" role="img" alt=""></div> <div class="c-banner__inner"> <div class="c-banner__content c-banner__content--blue"> <h1 class="c-banner__content-title"> Value for money </h1> <p class="c-banner__content-description">Delivering value for money is a key focus for the scheme and our performance in this area is reviewed in depth by the Trustee Board on an annual basis</p> </div> </div> </section><nav class="c-breadcrumb" aria-label="Breadcrumb"> <div class="c-breadcrumb__inner"> <ol class="c-breadcrumb__list" itemscope itemtype="http://schema.org/BreadcrumbList"> <li class="c-breadcrumb__item " itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="c-breadcrumb__link js-analytics" href="/" itemprop="item" data-ga-function="event" data-ga-category="breadcrumb_tracking" data-ga-action="Click position 1 level - Home" data-ga-label="/"> <span itemprop="name">Home</span> </a> <meta itemprop="position" content="1" /> </li> <li class="c-breadcrumb__item " itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="c-breadcrumb__link js-analytics" href="/about-us" itemprop="item" data-ga-function="event" data-ga-category="breadcrumb_tracking" data-ga-action="Click position 2 level - About us" data-ga-label="/about-us"> <span itemprop="name">About us</span> </a> <meta itemprop="position" content="2" /> </li> <li class="c-breadcrumb__item is-active" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <span itemprop="name" aria-current="page">Value for money</span> <meta itemprop="position" content="3" /> </li> </ol> </div> </nav> <div class="c-featured-content t-color--one t-color__background"> <div class="c-featured-content__inner c-featured-contentt__inner--layout-image-right t-color__foreground"> <div class="c-featured-content__col c-featured-content__col--primary"> <span class="c-featured-content__ribbon t-color__ribbon"></span> <h2 class="c-featured-content__title">We assess performance across three areas</h2> <p class="c-featured-content__subtitle"></p> <div class="t-color__rte c-rte"> <p>Every penny we spend managing the scheme and its investments is drawn from the fund we are working hard to build to pay members’ benefits.</p> <p>So, it is central to our role in managing the scheme that we keep tight control of costs.</p> <p>Value for money is, however, more than just how much we spend in absolute terms.</p> <p>We have to consider:</p> <ul> <li>the benefits that are being delivered and the investments that will fund them,</li> <li>the quality of services we provide to members and sponsoring employers; and</li> <li>how we balance the costs of running the scheme with achieving good outcomes</li> </ul> </div> <div class="c-featured-content__action"> </div> </div> <div class="c-featured-content__col c-featured-content__col--secondary"> <img src="/-/media/project/ussmainsite/images/investments/vfm-wheel-png.png?rev=b047251775184e579977eb1a8a1d7470&h=571&w=605&la=en&hash=DCE80352D9ABDB361A91336596AB9A32" class="c-featured-content__img" alt="" /> </div> </div> </div> <div class="c-card-container t-card-container--six"> <div class="c-card-container__inner"> <h2 class="c-card-container__title t-color__foreground">...and we score well in each area</h2> <ul class="c-card-container__list c-card-container__list--three-col"> <li class="c-card-container__list-item"> <article class="c-card " id="486b4227-f780-425a-b7af-78d887ef81a7"> <div class="c-card__content"> <div class="c-card__content-info "> <span class="c-card__content-ribbon">1. Cost Efficiency</span> </div> <div class="c-card__content-description c-rte"><p><span style="font-size: 1rem;"></span><img src="/-/media/project/ussmainsite/images/investments/cost-efficiency.png?h=126&w=322&rev=b597164d0f5b4cf7b8d9aeac1ca2d482&hash=4F766F7E4B0363437F9840A77BFD2E70" alt="Cost efficiency table" style="font-size: 1rem; width: 322px; height: 126px;" /></p> <p><span style="font-size: 22px;">We are significantly less expensive in total than our peer group*</span></p> <p>CEM (a leading independent benchmarking organisation) compares us to a peer group. In the latest available comparison (2022), we were significantly less expensive in total than our peer group (£102m or 13bps). The substantial advantage in Investments more than offsets the higher Pension Administration/Scheme Governance cost.</p> <p><span style="font-size: 13px;"><em>*costs are presented on the CEM Benchmarking basis. Scheme Costs reported in the CFO section of the Annual Report and Accounts are £231m.</em></span></p></div> <div class="c-card__actions"> <a href="/about-us/value-for-money#costefficiency" class="c-button" aria-labelledby="486b4227-f780-425a-b7af-78d887ef81a7_title 486b4227-f780-425a-b7af-78d887ef81a7_btn" id="486b4227-f780-425a-b7af-78d887ef81a7_btn" >Learn more</a> </div> </div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card t-card--one" id="4b4a3f76-8a10-480c-a5b5-8372e672d859"> <div class="c-card__content"> <div class="c-card__content-info "> <span class="c-card__content-ribbon">2. Member & Employer Service</span> </div> <div class="c-card__content-description c-rte"><p><span style="font-size: 22px;"><img alt="" src="/-/media/project/ussmainsite/images/card-thumbnails/articles-for-members/tmss.png?h=176&w=374&rev=e6e46caa964c479bb3fee4e2436eb835&hash=39BB629FD29E025F620ABD6FBBB99DD5" style="height: 147px; width: 317px; left: 780px;" /></span></p> <p><span style="font-size: 22px;">We scored 3rd highest for member service overall</span></p> <p>CEM scored us 3rd highest overall compared to our peer pension administration group in the latest survey and very close to the top two (our score was 70 out of 100, above the peer median of 66).</p></div> <div class="c-card__actions"> <a href="#https://www.uss.co.uk/about-us/value-for-money#:~:text=2.-,MEMBER%20%26%20EMPLOYER%20SERVICE,-Our%20total%20member" class="c-button" aria-labelledby="4b4a3f76-8a10-480c-a5b5-8372e672d859_title 4b4a3f76-8a10-480c-a5b5-8372e672d859_btn" id="4b4a3f76-8a10-480c-a5b5-8372e672d859_btn" >Learn More</a> </div> </div> </article> </li> <li class="c-card-container__list-item"> <article class="c-card t-card--one" id="50092bbe-5292-4f2f-aba8-5ed79d5452ec"> <div class="c-card__content"> <div class="c-card__content-info "> <span class="c-card__content-ribbon">3. Investment & Funding Management</span> </div> <div class="c-card__content-description c-rte"><img alt="" src="/-/media/project/ussmainsite/images/investments/implementation-statement-logos.png?w=370&rev=66b912bb36d34714be451ddf5d3ed10b&hash=2EA878B946EEAEFC97D773AEB6514F52" style="width:370px;" /> <p><span style="font-size: 22px;">DB and DC balanced scorecards rated "Good"</span></p> <p>We introduced the DB investment balanced scorecard in 2022, with the DC scorecard introduced in 2023. This allows the trustee to holistically assess USSIM’s investment and advisory performance.</p> <p>You can see how the Investment Committee assessed USSIM’s performance on our investment balanced scorecard pages.</p> <p><a href="/how-we-invest/our-investment-performance/retirement-income-builder-investment-performance" class="c-button">Learn more about the DB scorecard</a></p> <p><a href="/how-we-invest/our-investment-performance/investment-builder-investment-performance" class="c-button">Learn more about the DC scorecard</a></p></div> </div> </article> </li> </ul> </div> </div> <div class="c-featured-content t-color--one t-color__background"> <div class="c-featured-content__inner c-featured-contentt__inner--layout-image-left t-color__foreground"> <div class="c-featured-content__col c-featured-content__col--primary"> <span class="c-featured-content__ribbon t-color__ribbon">1. Cost Efficiency</span> <h2 class="c-featured-content__title"></h2> <p class="c-featured-content__subtitle"></p> <div class="t-color__rte c-rte"> <h2 id="costefficiency">We are significantly less expensive in total than our peer group</h2> <p>We compare very favourably with peers. In the latest available comparison period (2022), our overall cost base was £102m p.a. (13 bps) lower than the combined peer benchmark, derived from separate investment management (Investments) and pension administration (Pensions) reports.</p><p>The scheme is significantly less expensive than peer schemes in relation to Investments. This is by far the largest element of total costs. CEM takes into account the investment strategy we have implemented.</p><p>We are somewhat more expensive than peers for costs included in CEM’s Pensions cost analysis. This covers support provided to members and employers coupled with scheme governance costs.</p><p>Our cost advantage in Investments far outweighs the impact of the higher spend on Pensions.</p><p>Around 86% of scheme costs relate to the Investment management of the scheme. The remaining 14% splits into the Pension delivery costs of processing and support services for employers and members (5%) and governance and other costs (9%).</p><p /><p /><p>Investment costs are benchmarked against a global peer group, whilst Pension costs are benchmarked against a UK peer group. CEM Benchmarking aims to provide like-for like comparisons where possible e.g. through its selection of the peer group and taking account of economies of scale in pension costs and adjusting for different asset-mixes.</p> </div> <div class="c-featured-content__action"> </div> </div> <div class="c-featured-content__col c-featured-content__col--secondary"> <img src="/-/media/project/ussmainsite/images/investments/cost-efficiency.png?rev=ca5f939f3b494acab796ea524c17e9e2&h=250&w=550&la=en&hash=266D222EA16C60B94973C57950570A6F" class="c-featured-content__img" alt="" /> </div> </div> </div> <div class="c-featured-content t-color--one t-color__background"> <div class="c-featured-content__inner c-featured-contentt__inner--layout-image-right t-color__foreground"> <div class="c-featured-content__col c-featured-content__col--primary"> <span class="c-featured-content__ribbon t-color__ribbon"></span> <h2 class="c-featured-content__title">The cost of managing our investment portfolio was £121m less than our peers would incur to manage a fund of our size</h2> <p class="c-featured-content__subtitle"></p> <div class="t-color__rte c-rte"> <p>Our investment management costs in 2022 (the latest completed benchmarking year), which make up around 86% of total scheme costs, are significantly below the peer costs benchmark.</p> <p> Costs of £227m in 2022 were £121m lower than the peer median (after scaling peer group costs to our fund size).</p> <p> </p> <p>We have grown the proportion of assets managed internally over time and this gives us a significant cost advantage over peers.</p> </div> <div class="c-featured-content__action"> </div> </div> <div class="c-featured-content__col c-featured-content__col--secondary"> <img src="/-/media/project/ussmainsite/images/investments/cem-graph.png?rev=804f78e86f66404eb75d2d26bbe3ca91&h=345&w=711&la=en&hash=FDA0AFE6EF085926D4C18B9C6A2B1EEB" class="c-featured-content__img" alt="" /> </div> </div> </div> <div class="c-featured-content t-color--one t-color__background"> <div class="c-featured-content__inner c-featured-contentt__inner--layout-image-left t-color__foreground"> <div class="c-featured-content__col c-featured-content__col--primary"> <span class="c-featured-content__ribbon t-color__ribbon"></span> <h2 class="c-featured-content__title">Pension Processing & Support are broadly in line, Other costs (including Governance and Projects) are higher</h2> <p class="c-featured-content__subtitle"></p> <div class="t-color__rte c-rte"> <p>Our total cost per member of £71 compares with a peer average of £39. We are broadly in line with our peers in processing and support services, (£27 per member versus £25 for the average of our peers), and our multi-employer, hybrid benefit and governance structure results in governance and other costs above our peer average (£44 per member versus £14 for the average of our peers).</p> <p>These governance and other costs include scheme governance, communications, projects (including actuarial valuations), risk & compliance and technical/quality costs.</p> <p>These differences drive an incremental £32 a year per member or £19m spend on pension costs compared to the average peer equivalent. </p> </div> <div class="c-featured-content__action"> </div> </div> <div class="c-featured-content__col c-featured-content__col--secondary"> <img src="/-/media/project/ussmainsite/images/investments/cem-admin-graph.png?rev=9fb523350fd844a7bf2f15d00d7b61c6&h=215&w=550&la=en&hash=A266425176D3B5B96A6FE4C9E6889EB5" class="c-featured-content__img" alt="" /> </div> </div> </div> <div class="c-featured-content t-color--two t-color__background"> <div class="c-featured-content__inner c-featured-contentt__inner--layout-image-right t-color__foreground"> <div class="c-featured-content__col c-featured-content__col--primary"> <span class="c-featured-content__ribbon t-color__ribbon">2. Member & Employer service</span> <h2 class="c-featured-content__title">Our total member score is very close to the top of our peer group and we score joint highest for active members</h2> <p class="c-featured-content__subtitle"></p> <div class="t-color__rte c-rte"> <p>CEM assess each of the peer group for their member service offering.</p> <p>We score third highest overall compared to our peer group and very close to the top two (our score was 70 out of 100, above the peer median of 66).</p> <p>We scored joint top for active members. The continued development of our secure member portal and our public website has improved our score over time<br /> <br /> 99.9% of USS retiring active member pension set‐ups were paid without an interruption in cashflow greater than one month vs a peer median of 78.7%.<br /> <br /> 99.9% of pension commencement lump sums were paid within one week of retirement for active members vs a peer median of 60.0%.<br /> <br /> We scored highest in our peer group for digital access to our secure portal by active members with 63% of active members registered, above the peer median of 49%.<br /> <br /> We measure customer effort and levels of understanding, which only 45% of peers do. We scored highest in our peer group for telephone outcomes. We monitor call outcomes after a member connects. Only 55% of our peers do this.<br /> <br /> The proportion of our calls that are abandoned in queue is 1.7% compared to a peer median of 8%.<br /> <br /> Our pensioner score of 78 is in line with the peer median. We score higher in some assessment categories, for example our scores for newsletters and telephony are higher. However, some peers have greater digital functionality for pensioner members, for example allowing them to change their bank account information online and interact via secure email.</p> </div> <div class="c-featured-content__action"> </div> </div> <div class="c-featured-content__col c-featured-content__col--secondary"> <img src="/-/media/project/ussmainsite/images/investments/member-service-graph-2024.png?rev=e0ee7edf1dc84b0ca9bfefa774c5ba2d&h=1857&w=1063&la=en&hash=8CB631890D84F775FBACC4B3B6FF8216" class="c-featured-content__img" alt="" /> </div> </div> </div> <div class="c-featured-content t-color--two t-color__background"> <div class="c-featured-content__inner c-featured-contentt__inner--layout-image-left t-color__foreground"> <div class="c-featured-content__col c-featured-content__col--primary"> <span class="c-featured-content__ribbon t-color__ribbon"></span> <h2 class="c-featured-content__title">Service and Quality provided by Investment Builder (the DC element of the scheme) are compared to leading commercial Master Trusts</h2> <p class="c-featured-content__subtitle"></p> <div class="t-color__rte c-rte"> <p>Redington, an independent pensions consultancy, undertake an external benchmarking of the Investment Builder DC element.</p> <p>A broad range of features are compared with leading Master Trusts, including administration, investment, ESG considerations, governance, communication, and services available to members at retirement.</p> <p>Redington’s view is, overall, we rate ahead of those other Master Trusts.</p> </div> <div class="c-featured-content__action"> </div> </div> <div class="c-featured-content__col c-featured-content__col--secondary"> <img src="/-/media/project/ussmainsite/images/investments/reddington.png?rev=fed494c17e324ff485fad6e393c22375&h=213&w=550&la=en&hash=C5DACF9643C5CED27FF9AD23AA462B86" class="c-featured-content__img" alt="" /> </div> </div> </div> <div class="o-grid-container"> <div class="o-columns o-columns--one u-spacing--bottom u-spacing--top"> <div class="o-cell o-stacked"> <div class="c-rte "> <h3>We score well in a global pensions transparency benchmark, with a rating of 78 compared with a UK average of 64</h3> <p>To ensure we inform stakeholders about how their scheme is managed, we provide updates including investment and cost performance via a range of published and face-to-face mechanisms. <a href="https://global-pension-transparency-benchmark.top1000funds.com/global-pension-transparency-benchmark-funds-2023/" target="_blank">Top1000funds.com/CEM</a> Benchmarking reports that we provide a greater level of transparency of disclosures compared with a peer group of 75 pension funds from 15 countries. We received a transparency rating of 78, compared with a UK average of 64 and a global average of 60. The analysis considered performance, governance, cost, responsible investing, and integrated reporting disclosures.</p><p><br /></p> </div> </div> </div> </div> </main> <footer id="site-footer" class="c-footer" role="contentinfo"> <div class="c-footer__inner"> <div class="c-footer__column"> <h2 id="foot-col1-title" class="c-footer__column-title">For financial advisers</h2> <p class="c-footer__column-description">Get useful resources and find out the sorts of things we can provide you with</p> <nav class="c-footer__nav" aria-labelledby="foot-col1-title"> <ul class="c-footer__nav-list"> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/financial-advisers" >Useful information</a> </li> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/financial-advisers/useful-forms" >Useful forms</a> </li> <li class="c-footer__nav-item c-footer__nav-item--button"> <a href="/-/media/project/ussmainsite/files/financial-advisers/mfuss-for-ifa.pdf?rev=def270bd1e9c4098b9c395aa7f47ea94" class="c-button" rel="noopener noreferrer" target="_blank" title="Downloads or opens in a new window" >Download A guide for IFAs</a> </li> </ul> </nav> </div> <div class="c-footer__column"> <h2 id="foot-col2-title" class="c-footer__column-title">For employers</h2> <p class="c-footer__column-description">Understand what it means to be an employer offering a USS pension to your employees</p> <nav class="c-footer__nav" aria-labelledby="foot-col2-title"> <ul class="c-footer__nav-list"> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/for-employers" >Getting to grips with your role</a> </li> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/for-employers/thinking-of-participating" >Thinking of participating </a> </li> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/for-employers/your-employer-debt-responsibilities" >Your employer debt responsibilities </a> </li> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/for-employers/change-in-circumstances" >Change in circumstances</a> </li> <li class="c-footer__nav-item c-footer__nav-item--bullet"> <a href="/for-employers/investment-related-documents-and-briefings" >Investment-related documents and briefings</a> </li> <li class="c-footer__nav-item c-footer__nav-item--button"> <a href="https://employers.uss.co.uk/employers/log-in" class="c-button" rel="noopener noreferrer" target="_blank" title="Opens in a new window" >Employer log in</a> </li> </ul> </nav> </div> </div> <div class="c-footer-bottom"> <div class="c-footer-bottom__inner"> <p class="c-footer-bottom__copy"> © Universities Superannuation Scheme. <br /> All rights reserved. 2025 <br /> <br /> <span style="font-size: 13px;">Powered by Sitecore</span> </p> <div class="c-footer-bottom__nav"> <nav aria-labelledby="foot-title"> <span id="foot-title" class="visually-hidden">Footer</span> <ul class="c-footer-bottom__nav-contain"> <li class="c-footer-bottom__nav-item"> <a href="https://www.usscareers.co.uk/" rel="noopener noreferrer" title="Opens in a new window" target="_blank" >USS careers website</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/contact-us" >Contact us</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/privacy-notice" >Privacy notice</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/accreditations" >Accreditations</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/terms-and-conditions" >Terms and conditions</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/cookies" >Cookies</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/accessibility" >Accessibility</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/modern-slavery-act" >Modern Slavery Act</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/gender-pay-gap" >Gender pay gap</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/for-members/glossary" >Glossary</a> </li> <li class="c-footer-bottom__nav-item"> <a href="/about-us/how-were-governed/key-terms-and-important-information" >Key terms and important information</a> </li> </ul> </nav> <ul class="c-footer-bottom__nav-list"> <li class="c-footer-bottom__nav-item c-footer-bottom__nav-item--icon"> <a href="https://www.linkedin.com/company/universities-superannuation-scheme" title="Opens in a new window" target="_blank" rel="noopener"> <svg role="img" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#linkedin"></use> </svg> <span class="visually-hidden">LinkedIn</span> </a> </li> <li class="c-footer-bottom__nav-item c-footer-bottom__nav-item--icon"> <a href="https://www.facebook.com/USSpensions/" title="Opens in a new window" target="_blank" rel="noopener"> <svg role="img" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#facebook"></use> </svg> <span class="visually-hidden">Facebook</span> </a> </li> <li class="c-footer-bottom__nav-item c-footer-bottom__nav-item--icon"> <a href="https://twitter.com/usspensions" title="Opens in a new window" target="_blank" rel="noopener"> <svg role="img" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#twitter"></use> </svg> <span class="visually-hidden">Twitter</span> </a> </li> </ul> </div> </div> </div> </footer> </div>  <script type="text/javascript" src="/_Incapsula_Resource?SWJIYLWA=719d34d31c8e3a6e6fffd425f7e032f3&ns=2&cb=846262829" async></script></body> </html>

CINXE.COM

Value for money