CINXE.COM

<!DOCTYPE html> <html lang="en-US"> <head> <title data-react-helmet="true">What Is a Private Equity Company? Understanding Key Functions</title> <meta data-react-helmet="true" http-equiv="X-UA-Compatible" content="IE=edge"/><meta data-react-helmet="true" charset="utf-8"/><meta data-react-helmet="true" name="viewport" content="width=device-width, initial-scale=1"/><meta data-react-helmet="true" name="application-name" content="American Express"/><meta data-react-helmet="true" name="keywords" content="business class, one-amex"/><meta data-react-helmet="true" property="og:title" content="What Is a Private Equity Company? Understanding Key Functions"/><meta data-react-helmet="true" property="og:description" content="Private equity isn’t exclusive to big business. It can also have a place in the small-business toolbox."/><meta data-react-helmet="true" name="description" content="Private equity isn’t exclusive to big business. It can also have a place in the small-business toolbox."/><meta data-react-helmet="true" property="og:type" content="article"/><meta data-react-helmet="true" property="og:site_name" content="Business Class: Trends and Insights | American Express"/><meta data-react-helmet="true" property="og:locale" content="en_US"/><meta data-react-helmet="true" property="og:url" content="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/what-is-a-private-equity-company-understanding-key-functions/"/><meta data-react-helmet="true" property="og:image" content="https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2024/04/privateequitycompanypreview.jpg"/><meta data-react-helmet="true" name="twitter:card" content="summary_large_image"/><meta data-react-helmet="true" name="twitter:site" content="@amexbusiness"/><meta data-react-helmet="true" name="twitter:creator" content="@amexbusiness"/><meta data-react-helmet="true" name="robots" property="robots" content="index,follow"/><meta data-react-helmet="true" name="searchGroup" content="BTI"/> <script type="text/javascript" src="/ruxitagentjs_ICA7NQVfhqrux_10299241024162415.js" data-dtconfig="rid=RID_-2048984450|rpid=-69440889|domain=americanexpress.com|reportUrl=/rb_8264482b-dee3-4f6d-be79-c4d3fee1d8c7|app=03b3525ce877991d|cssm=n|featureHash=ICA7NQVfhqrux|msl=153600|rdnt=1|uxrgce=1|bp=3|cuc=jf4wyxxa|srms=2,2,1,|mel=100000|dpvc=1|md=mdcc1=a#error-message|ssv=4|lastModification=1732659539972|mdp=mdcc1|tp=500,50,0|agentUri=/ruxitagentjs_ICA7NQVfhqrux_10299241024162415.js"></script><style data-react-helmet="true" type="text/css" id="navHideChangeLanguage"> .trends-insights-outer-wrapper .axp-global-header__dls__module___2gPze .axp-global-header__ChangeLocale__changeLanguage___2elPR { display: none !important; } .trends-insights-outer-wrapper .axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop { display: none; } </style><style data-react-helmet="true" type="text/css" id="navSearchStyleHandling"> .trends-insights-outer-wrapper #axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17+.axp-global-header__GlobalHeader__searchSpacer___Am_uo { display: block; } </style><style data-react-helmet="true" type="text/css" id="fixHeadingIcon">.axp-global-header__GlobalHeader__btnIconInline___3-Yyj::before { font-family: dls-icons !important }</style><style data-react-helmet="true" type="text/css" id="stickyNavHandling"> .trends-insights-outer-wrapper .axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navSticky___2Ns68 { position: relative !important; } .axp-global-header__GlobalHeader__headerSpacer___1QFWZ { display: none; } </style><style data-react-helmet="true" type="text/css" id="editorialBodyPQStyles"> .secondary-content-wrapper { font-family: 'BentonSans'; display: block; position: relative; margin-top: 30px; margin-bottom: 30px; margin-left: 10px !important } @media (min-width: 426px) and (max-width: 767px) { .secondary-content-wrapper { margin-top: 80px !important; } } @media (min-width: 426px) and (max-width: 2560px) { .secondary-content-wrapper { margin-right: 20%; } } .secondary-content-wrapper .text { -ms-flex: 0 0 41.6666666667%; flex: 0 0 41.6666666667%; max-width: 41.6666666667%; display: inline; position: relative; margin-top: 1.875rem; margin-right: 20%; font-family: "BentonSans-Black", "BentonSans", Arial, Helvetica, sans-serif; text-transform: uppercase; background-color: #006FCF; box-shadow: 0.5rem 0 0 1px #006FCF, -0.5rem 0 0 1px #006FCF; color: #ffffff; line-height: 1.75rem; font-size: 1.375rem; font-weight: 600; &::before { content: ' '; display: inline-block; margin-top: 2.75rem; } } @media screen and (min-width: 767px) { .secondary-content-wrapper .text { line-height: 2.125rem; font-size: 1.75rem; } } @media (max-width: 425px) { .secondary-content-wrapper { margin-bottom: 80px !important; } .secondary-content-wrapper .text { top: 60px; position: relative; padding-top: 10px; line-height: 2.125rem; } } .secondary-content-wrapper p em { color: #333333; text-decoration: underline; } @media (min-width: 1024px) and (max-width: 1365px) { .secondary-content-wrapper:before { left: -50px; } } @media (min-width: 768px) and (max-width: 1023px) { .secondary-content-wrapper:before { left: -73px; } } @media (min-width: 426px) and (max-width: 767px) { .secondary-content-wrapper:before { left: 0px; top: -65px !important; transform: translate(0%, 0%) !important; } } @media (max-width: 425px) { .secondary-content-wrapper:before { left: 0px; top: 0px !important; transform: translate(0%, 0%) !important; } } @media (min-width: 1366px) { .secondary-content-wrapper:after { width: 166px; background-size: 166px 95px; right: 88%; } } @media (min-width: 1024px) and (max-width: 1365px) { .secondary-content-wrapper:after { width: 95px; background-size: 145px 95px; right: 90%; } } @media (min-width: 768px) and (max-width: 1023px) { .secondary-content-wrapper:after { width: 130px; background-size: 130px 95px; right: 84%; } } </style> <link data-react-helmet="true" rel="preconnect" href="https://www.aexp-static.com" crossOrigin="true"/><link data-react-helmet="true" rel="preconnect" href="https://googleads.g.doubleclick.net"/><link data-react-helmet="true" rel="preconnect" href="https://static.doubleclick.net"/><link data-react-helmet="true" rel="preconnect" href="https://www.google.com"/><link data-react-helmet="true" rel="preconnect" href="https://yt3.ggpht.com"/><link data-react-helmet="true" rel="preconnect" href="https://i.ytimg.com"/><link data-react-helmet="true" rel="dns-prefetch" href="https://www.aexp-static.com" crossOrigin="true"/><link data-react-helmet="true" rel="dns-prefetch" href="https://googleads.g.doubleclick.net"/><link data-react-helmet="true" rel="dns-prefetch" href="https://static.doubleclick.net"/><link data-react-helmet="true" rel="dns-prefetch" href="https://www.google.com"/><link data-react-helmet="true" rel="dns-prefetch" href="https://yt3.ggpht.com"/><link data-react-helmet="true" rel="dns-prefetch" href="https://i.ytimg.com"/><link data-react-helmet="true" rel="preload" href="https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls/6.25.5/package/dist/6.25.5/styles/dls.min.css" crossOrigin="true"/><link data-react-helmet="true" rel="icon" href="https://www.americanexpress.com/favicon.ico"/><link data-react-helmet="true" rel="stylesheet" href="https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls/6.25.5/package/dist/6.25.5/styles/dls.min.css"/><link data-react-helmet="true" rel="canonical" href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/what-is-a-private-equity-company-understanding-key-functions/"/><link data-react-helmet="true" rel="dns-prefetch" href="https://omns.americanexpress.com/"/><link data-react-helmet="true" rel="dns-prefetch" href="https://assets.adobedtm.com/"/><link data-react-helmet="true" rel="dns-prefetch" href="https://nexus.ensighten.com/"/><link data-react-helmet="true" rel="dns-prefetch" href="https://lptag.liveperson.net/"/> <style class="ssr-css">.axp-footer__footer__footer___328qd{-webkit-tap-highlight-color:rgba(0,0,0,0);-webkit-font-smoothing:antialiased;z-index:99;max-width:100vw;color:#000;font-family:Helvetica Neue,Roboto,sans-serif;font-size:.9375rem;line-height:1.45667;margin:0px;min-height:200px}.axp-footer__footer__footer___328qd div{box-sizing:border-box}.axp-footer__footer__footer___328qd .axp-footer__footer__lastLogin___2sdMn{font-family:"Helvetica Neue Medium",Helvetica,Arial,sans-serif !important}.axp-footer__footer__footer___328qd .axp-footer__footer__amexLogo___GQ561{width:268px}.axp-footer__footer__footer___328qd .axp-footer__footer__footerSection___3zipI{position:static !important}.axp-footer__footer__footer___328qd .country-flag{width:20px;display:inline-block;position:relative;top:-2px;border-style:none}.axp-footer__footer__footer___328qd .axp-footer__footer__navContainer___1AG6m{position:static;max-width:1240px}.axp-footer__footer__footer___328qd .axp-footer__footer__countryName___2ybHn{margin:0px 6px}.axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop section{display:inline;padding-right:10px}.axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop section>span:after{content:"";border-right:1px solid #53565a;margin:0 .625rem}.axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop ul{display:inline-block;padding:0px;padding-top:20px}.axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop ul li{display:inline}.axp-footer__footer__footer___328qd .axp-footer__footer__navVertSubmenuItem___2ArTh>a{padding-left:48px}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinks___gAAHr{padding-bottom:26px}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinks___gAAHr:empty{padding-bottom:0px}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinks___gAAHr li{display:inline;padding-right:10px}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinks___gAAHr a img{width:32px;height:32px;float:left}.axp-footer__footer__footer___328qd .axp-footer__footer__legalLinksItem___biaXF li{display:inline}.axp-footer__footer__footer___328qd .axp-footer__footer__legalLinksItem___biaXF li img{height:3.125rem}.axp-footer__footer__footer___328qd .axp-footer__footer__focusOutline___CySgA:focus span:only-child{outline:0px !important}@media(max-width: 767px){.axp-footer__footer__footer___328qd .axp-footer__footer__mobilePadTB___duyEE{padding-top:13.25px;padding-bottom:13.25px}}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinksIconPadding___3OmEL{padding-left:.4rem;padding-right:.4rem}.axp-footer__footer__footer___328qd .axp-footer__footer__navVertSubmenu___1QMkq{display:none}.axp-footer__footer__footer___328qd .axp-footer__footer__navVertSubmenu___1QMkq ul{list-style:none}.axp-footer__footer__footer___328qd .axp-footer__footer__lastLoginStyle___dnIUI{min-height:62.5px}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp{visibility:visible;height:auto}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq{display:block}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq a{display:block}@media(min-width: 1024px){.axp-footer__footer__footer___328qd .axp-footer__footer__loneCountrySectionFix___1kcqH{margin-bottom:-1.375rem}}.axp-footer__footer__footer___328qd #toggleButton button{outline:none}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp{background-color:#f7f8f9}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp>span:first-child{transform:rotate(90deg) !important}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq{height:auto !important;max-height:none !important;opacity:1 !important;display:contents !important}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq .axp-footer__footer__link___35KBT{color:#00175a;background-color:#f7f8f9}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq .axp-footer__footer__link___35KBT:hover{background-color:#f0f1f1}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__sectionOpener___3-NG3{background:#ecedee !important;color:#00175a !important}.axp-footer__footer__footer___328qd :not(:checked)+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq{display:none}.axp-footer__footer__footer___328qd .axp-footer__footer__displayNone___1hN1b{display:none}.axp-footer__footer__footer___328qd .axp-footer__footer__navVertSubMenuLabel___xSjOp{overflow:hidden;text-overflow:ellipsis}.axp-footer__footer__footer___328qd .axp-footer__footer__navItem___NT8_b{list-style-type:none} .axp-footer__dls-module__module___1_EeR h2,.axp-footer__dls-module__module___1_EeR h3{font-weight:500}.axp-footer__dls-module__module___1_EeR h2,.axp-footer__dls-module__module___1_EeR h3,.axp-footer__dls-module__module___1_EeR p{margin:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__heading1___1W4S5{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.8125rem;line-height:1.125rem;text-transform:uppercase}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__heading3___1EBC6{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:1rem;line-height:1.5rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__body1___sfUeR{font-family:"Helvetica Neue",Helvetica,sans-serif;font-size:.9375rem;font-weight:400;line-height:1.375rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__body2___wDGJf{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.9375rem;line-height:1.375rem}@font-face{font-family:"dls-icons-2.31.4";font-weight:normal;font-display:block;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.31.4/package/dist/iconfont/dls-icons.woff?v=2.31.4") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.31.4/package/dist/iconfont/dls-icons.woff2?v=2.31.4") format("woff2")}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8{display:inline-block;line-height:1;vertical-align:middle}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8::before{-webkit-font-smoothing:antialiased;-webkit-text-stroke:0;-moz-osx-font-smoothing:grayscale;backface-visibility:hidden;display:block;font-family:"dls-icons-2.31.4";font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;line-height:1;letter-spacing:0;position:relative;speak:none;vertical-align:middle}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8:hover{text-decoration:none}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8{font-size:1.75rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8::before{font-size:1.75rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__iconHover___3jtI0:hover{cursor:pointer}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{margin-left:auto;margin-right:auto;padding-left:10px;padding-right:10px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{padding-left:12px;padding-right:12px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{padding-left:18px;padding-right:18px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{padding-left:20px;padding-right:20px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{padding-left:20px;padding-right:20px}}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{max-width:576px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{max-width:720px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{max-width:940px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{max-width:1240px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{display:flex;flex-wrap:wrap;margin-left:-5px;margin-right:-5px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{margin-left:-6px;margin-right:-6px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{margin-left:-9px;margin-right:-9px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{margin-left:-10px;margin-right:-10px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{margin-left:-10px;margin-right:-10px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{position:relative;flex:0 0 100%;max-width:100%;min-height:1px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:5px;padding-right:5px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colXs12___29EFm{flex:0 0 100%;max-width:100%}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:6px;padding-right:6px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colSm8___vvcgU{flex:0 0 66.6666666667%;max-width:66.6666666667%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colSm12___3QD3p{flex:0 0 100%;max-width:100%}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:9px;padding-right:9px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colMd6___22fwT{flex:0 0 50%;max-width:50%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colMd8___2_bMZ{flex:0 0 66.6666666667%;max-width:66.6666666667%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colMd12___3KJgk{flex:0 0 100%;max-width:100%}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:10px;padding-right:10px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colLg3___2wVa6{flex:0 0 25%;max-width:25%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colLg4___39ika{flex:0 0 33.3333333333%;max-width:33.3333333333%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colLg8___2CkmG{flex:0 0 66.6666666667%;max-width:66.6666666667%}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:10px;padding-right:10px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colXl12___1zzRt{flex:0 0 100%;max-width:100%}}.axp-footer__dls-module__module___1_EeR *,.axp-footer__dls-module__module___1_EeR *::before,.axp-footer__dls-module__module___1_EeR *::after{box-sizing:inherit}.axp-footer__dls-module__module___1_EeR button,.axp-footer__dls-module__module___1_EeR input{color:inherit;font-family:inherit;font-size:inherit;line-height:inherit}.axp-footer__dls-module__module___1_EeR input::-webkit-credentials-auto-fill-button{visibility:hidden}.axp-footer__dls-module__module___1_EeR [type=number]::-webkit-inner-spin-button,.axp-footer__dls-module__module___1_EeR [type=number]::-webkit-outer-spin-button{-webkit-appearance:none}.axp-footer__dls-module__module___1_EeR ul{padding-left:1.3Em}.axp-footer__dls-module__module___1_EeR ul{margin-top:0;margin-bottom:0}.axp-footer__dls-module__module___1_EeR ul ul{margin-bottom:0}.axp-footer__dls-module__module___1_EeR a{background-color:rgba(0,0,0,0);color:#006fcf;text-decoration:none;cursor:pointer;transition:color .25S ease-out,background-color .25S ease-out}.axp-footer__dls-module__module___1_EeR a:hover{text-decoration:underline}.axp-footer__dls-module__module___1_EeR a:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-footer__dls-module__module___1_EeR img{max-width:100%;width:auto;height:auto;vertical-align:middle}.axp-footer__dls-module__module___1_EeR button,.axp-footer__dls-module__module___1_EeR [role=button]{cursor:pointer}.axp-footer__dls-module__module___1_EeR button{min-width:0;max-width:none;padding:0;margin:0;border-radius:0;border:0;background-color:rgba(0,0,0,0)}.axp-footer__dls-module__module___1_EeR a,.axp-footer__dls-module__module___1_EeR button,.axp-footer__dls-module__module___1_EeR [role=button],.axp-footer__dls-module__module___1_EeR input,.axp-footer__dls-module__module___1_EeR label{touch-action:manipulation}.axp-footer__dls-module__module___1_EeR label{display:inline-block;margin-bottom:.3125rem;color:#53565a}.axp-footer__dls-module__module___1_EeR button:focus,.axp-footer__dls-module__module___1_EeR input[type=button]:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-footer__dls-module__module___1_EeR input,.axp-footer__dls-module__module___1_EeR button{margin:0;line-height:inherit;border-radius:0}.axp-footer__dls-module__module___1_EeR hr{width:100%;border:0;border-top:1px solid #ecedee;margin-top:0;margin-bottom:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__caret___3BPtC{color:#53565a}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__caret___3BPtC::before{background-image:url('data:image/svg+xml;utf8,<svg fill="%2353565A" viewBox="0 0 16 16" xmlns="http://www.w3.org/2000/svg"><path d="M11.709 7.294L5.705 1.29a1.002 1.002 0 00-1.413 0 1.001 1.001 0 000 1.413L9.59 8l-5.298 5.296a1.001 1.001 0 000 1.413 1.002 1.002 0 001.413 0l6.004-6.003a1.001 1.001 0 000-1.412z"/></svg>');background-position:center center;background-repeat:no-repeat;content:"";width:1rem;height:1rem;display:inline-block;position:relative;transform:rotate(0deg);transition:color .25S ease-out,transform .25S ease-out;vertical-align:middle}@media(prefers-reduced-motion){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__caret___3BPtC::before{transition:color .25S ease-out,transform 0s}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__list___3KSxW{padding:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinks___DsWOZ{list-style:none;line-height:1.15;padding:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinks___DsWOZ li:not(:last-child){margin-bottom:1.25rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b{padding-left:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b li{display:inline-block;white-space:nowrap}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b li:first-child:not(:last-child),.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b li+li{padding-right:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b li:not(:last-child)::after{color:#8e9092;content:"|";font-size:1.2rem;font-weight:200;margin-left:.625rem;margin-right:.625rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__nav___9Aq3L{z-index:99;background:#fff}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__nav___9Aq3L,.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navMenu___2v96a{list-style:none;padding-left:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__nav___9Aq3L ul,.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__nav___9Aq3L li,.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navMenu___2v96a ul,.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navMenu___2v96a li{padding:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navLink___2iw6Y{color:#006fcf;display:block;position:relative;-webkit-user-select:none;-moz-user-select:none;user-select:none;white-space:normal}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:none;text-decoration:none}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,0)}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navLink___2iw6Y:focus{z-index:100;outline:1px dashed #53565a;outline-offset:-3px !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__heading1___1W4S5{color:#53565a;margin:0;padding:.75rem .875rem .75rem 1.875rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navMenu___2v96a{overflow:hidden}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 10px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 12px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 18px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 20px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 20px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,.05);color:#0065bd}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y:focus{outline:1px dashed #53565a;outline-offset:-3px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{background-image:url('data:image/svg+xml;utf8,<svg fill="%2353565A" viewBox="0 0 16 16" xmlns="http://www.w3.org/2000/svg"><path d="M11.709 7.294L5.705 1.29a1.002 1.002 0 00-1.413 0 1.001 1.001 0 000 1.413L9.59 8l-5.298 5.296a1.001 1.001 0 000 1.413 1.002 1.002 0 001.413 0l6.004-6.003a1.001 1.001 0 000-1.412z"/></svg>');background-position:center center;background-repeat:no-repeat;content:"";width:1rem;height:1rem;color:#53565a;line-height:1;margin-top:-0.5Em;position:absolute;top:50%;transform:rotate(0deg);transition:color .25S ease-out,transform .25S ease-out;left:10px}@media(prefers-reduced-motion){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{transition:color .25S ease-out,transform 0s}}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{left:12px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{left:18px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{left:20px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{left:20px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y[aria-expanded=true]{background-color:#f7f8f9;color:#006fcf}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y[aria-expanded=true]:hover{background-color:rgba(0,0,0,.05);color:#0065bd}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y[aria-expanded=true]:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:55px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:57px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:63px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:65px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:65px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{text-align:left;width:100%;padding-left:35px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{padding-left:37px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{padding-left:43px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{padding-left:45px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{padding-left:45px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y .axp-footer__dls-module__icon___3MnX8::before{font-size:1.375rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:55px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:57px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:63px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:65px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:65px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:55px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:57px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:63px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:65px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:65px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{margin-left:.75rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:75px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:77px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:83px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:85px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:85px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{margin-left:1.5rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5{display:block;float:none}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5+.axp-footer__dls-module__navItem___2SJY5{margin-bottom:0;margin-top:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a{height:auto;max-height:0;overflow:hidden;transition:max-height .4S ease-out}@media(prefers-reduced-motion){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a{transition:max-height 0s}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X{flex:inherit;max-width:100%;padding:0;width:100%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__heading1___1W4S5{margin:0;padding-top:1.25rem;padding-bottom:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__navItem___2SJY5 .axp-footer__dls-module__navLink___2iw6Y{padding-top:.6875rem;padding-bottom:.6875rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5 .axp-footer__dls-module__navLink___2iw6Y[aria-expanded=true].axp-footer__dls-module__caret___3BPtC::before{transform:rotate(90deg)}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a{max-height:100%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X{background-color:#f7f8f9}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__navLink___2iw6Y{background-color:#f7f8f9;color:#0065bd}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,.05);color:#005aa8}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__navLink___2iw6Y:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navItem___2SJY5[aria-expanded=true]>.axp-footer__dls-module__navLink___2iw6Y{background-color:#ecedee;color:#00175a !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:#f7f8f9}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__srOnly___u78M4{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);-webkit-clip-path:polygon(0 0, 0 0, 0 0, 0 0);clip-path:polygon(0 0, 0 0, 0 0, 0 0);border:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__displayNone___3VUuZ{display:none !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__widthFull___3ApM9{width:100%}@media(max-width: 767px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__hiddenSmDown___7zgQf{display:none !important}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__hiddenMdUp___2R91O{display:none !important}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__margin0___3S0s6{margin:0 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__margin0Tb___Dloq8{margin-top:0 !important;margin-bottom:0 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__margin2T___1dpgR{margin-top:1.25rem !important}@media(max-width: 1023px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad3BMdDown___3Jad4{padding-bottom:1.875rem !important}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__padTb___3-Cwz{padding-top:1.25rem !important;padding-bottom:1.25rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__padT___EykJE{padding-top:1.25rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__padB___29gTP{padding-bottom:1.25rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad0L___1qWAG{padding-left:0 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad1B___319TY{padding-bottom:.625rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad3T___SVukA{padding-top:1.875rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad3B___1J3uF{padding-bottom:1.875rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__textWrap___3wMeN{word-wrap:break-word;white-space:normal}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__textAlignCenter___3UBTP{text-align:center !important}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__textAlignRightLgUp___RJJ0x{text-align:right !important}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsWhiteBg___2unIs{background-color:#fff !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsBlack___pQt6A{color:#000 !important;fill:#000 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsGray01Bg___ZmrCk{background-color:#f7f8f9 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsGray02BgHvr___zz6Zr:hover{background-color:#ecedee !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsGray05___3Bige{color:#53565a !important;fill:#53565a !important}@font-face{font-family:"amex-card-number";font-weight:normal;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/amex22.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/amex22.woff2") format("woff2")}@font-face{font-family:"amex-card-name";font-weight:normal;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/amexcarembbaboo.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/amexcarembbaboo.woff2") format("woff2")}@font-face{font-family:"Guardian";font-font-style:normal;font-weight:400;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/guardianregular.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/guardianregular.woff2") format("woff2")}@font-face{font-family:"BentonSans";font-weight:300;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/325e6ad0-38fb-4bad-861c-d965eab101d5-3.woff") format("woff")}@font-face{font-family:"BentonSans";font-weight:400;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/3be50273-0b2e-4aef-ae68-882eacd611f9-3.woff") format("woff")}@font-face{font-family:"BentonSans";font-weight:500;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/0fababca-4914-46dd-9b0f-efbd51f67ae8-3.woff") format("woff")}</style><style class="ssr-css">.axp-forum-root__ForumRoot__removeOverflowHidden___2tyvt{overflow-x:initial}.axp-forum-root__ForumRoot__ErrorLayout___6p5Ye .alert{margin:0 auto}.axp-forum-root__ForumRoot__errorMain___3CD3f{max-width:1000px;width:100%;margin:0 auto;padding:10px}aside.axp-forum-root__ForumRoot__offlineWarning___3UQaX{z-index:1002}.axp-forum-root__ForumRoot__offlineFontFetcher___2mtX1{position:absolute}.axp-forum-root__ForumRoot__offlineFontFetcher___2mtX1:before{content:" "}</style><style class="ssr-css">.axp-global-header__dls-module__module___1_EeR p{margin:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__heading1___1W4S5{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.8125rem;line-height:1.125rem;text-transform:uppercase}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__label2___13_8N{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.9375rem;line-height:1.375rem;color:#333}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8{display:inline-block;line-height:1;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8::before{-webkit-font-smoothing:antialiased;-webkit-text-stroke:0;-moz-osx-font-smoothing:grayscale;backface-visibility:hidden;display:block;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;line-height:1;letter-spacing:0;position:relative;speak:none;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8:hover{text-decoration:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8{font-size:1.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8::before{font-size:1.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{margin-left:auto;margin-right:auto;padding-left:10px;padding-right:10px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{padding-left:12px;padding-right:12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{padding-left:18px;padding-right:18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{padding-left:20px;padding-right:20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{padding-left:20px;padding-right:20px}}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{max-width:576px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{max-width:720px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{max-width:940px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{max-width:1240px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{display:flex;flex-wrap:wrap;margin-left:-5px;margin-right:-5px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{margin-left:-6px;margin-right:-6px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{margin-left:-9px;margin-right:-9px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{margin-left:-10px;margin-right:-10px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{margin-left:-10px;margin-right:-10px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{position:relative;flex:0 0 100%;max-width:100%;min-height:1px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:5px;padding-right:5px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:6px;padding-right:6px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:9px;padding-right:9px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd3___jggxl{flex:0 0 25%;max-width:25%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd4___3sBTD{flex:0 0 33.3333333333%;max-width:33.3333333333%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd6___22fwT{flex:0 0 50%;max-width:50%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd8___2_bMZ{flex:0 0 66.6666666667%;max-width:66.6666666667%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd12___3KJgk{flex:0 0 100%;max-width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMdPull4___3Je7t{right:33.3333333333%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMdPush4___phTMk{left:33.3333333333%}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:10px;padding-right:10px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:10px;padding-right:10px}}.axp-global-header__dls-module__module___1_EeR *,.axp-global-header__dls-module__module___1_EeR *::before,.axp-global-header__dls-module__module___1_EeR *::after{box-sizing:inherit}.axp-global-header__dls-module__module___1_EeR button,.axp-global-header__dls-module__module___1_EeR input{color:inherit;font-family:inherit;font-size:inherit;line-height:inherit}.axp-global-header__dls-module__module___1_EeR input::-webkit-credentials-auto-fill-button{visibility:hidden}.axp-global-header__dls-module__module___1_EeR [type=number]::-webkit-inner-spin-button,.axp-global-header__dls-module__module___1_EeR [type=number]::-webkit-outer-spin-button{-webkit-appearance:none}.axp-global-header__dls-module__module___1_EeR ul{padding-left:1.3Em}.axp-global-header__dls-module__module___1_EeR ul{margin-top:0;margin-bottom:0}.axp-global-header__dls-module__module___1_EeR ul ul{margin-bottom:0}.axp-global-header__dls-module__module___1_EeR sup,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__sup___2wzrK{top:0;font-size:.55Em;line-height:1;vertical-align:super}.axp-global-header__dls-module__module___1_EeR a{background-color:rgba(0,0,0,0);color:#006fcf;text-decoration:none;cursor:pointer;transition:color .25S ease-out,background-color .25S ease-out}.axp-global-header__dls-module__module___1_EeR a:hover{text-decoration:underline}.axp-global-header__dls-module__module___1_EeR a:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-global-header__dls-module__module___1_EeR img{max-width:100%;width:auto;height:auto;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR button,.axp-global-header__dls-module__module___1_EeR [role=button]{cursor:pointer}.axp-global-header__dls-module__module___1_EeR button{min-width:0;max-width:none;padding:0;margin:0;border-radius:0;border:0;background-color:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR a,.axp-global-header__dls-module__module___1_EeR button,.axp-global-header__dls-module__module___1_EeR [role=button],.axp-global-header__dls-module__module___1_EeR input,.axp-global-header__dls-module__module___1_EeR label{touch-action:manipulation}.axp-global-header__dls-module__module___1_EeR label{display:inline-block;margin-bottom:.3125rem;color:#53565a}.axp-global-header__dls-module__module___1_EeR button:focus,.axp-global-header__dls-module__module___1_EeR input[type=submit]:focus,.axp-global-header__dls-module__module___1_EeR input[type=button]:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-global-header__dls-module__module___1_EeR input,.axp-global-header__dls-module__module___1_EeR button{margin:0;line-height:inherit;border-radius:0}.axp-global-header__dls-module__module___1_EeR input[type=search]{box-sizing:inherit;-webkit-appearance:none}.axp-global-header__dls-module__module___1_EeR input[type=search]::-webkit-search-cancel-button{display:none}.axp-global-header__dls-module__module___1_EeR [hidden]{display:none !important}.axp-global-header__dls-module__module___1_EeR hr{width:100%;border:0;border-top:1px solid #ecedee;margin-top:0;margin-bottom:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf{-webkit-appearance:none;background-color:#f7f8f9;border:.0625rem solid #8e9092;border-radius:.25rem;color:#333;display:block;font-size:1rem;line-height:1.375rem;min-height:3.125rem;padding:0 .625rem;transition:border-color .25S ease-out;width:100%;min-width:5rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf::-ms-expand{background-color:rgba(0,0,0,0);border:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf::-moz-placeholder{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf::placeholder{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:-ms-input-placeholder{color:#53565a !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf::-ms-clear{display:none;width:0;height:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:active:not(.axp-global-header__dls-module__disabled___VWY5R),.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:focus:not(.axp-global-header__dls-module__disabled___VWY5R) .axp-global-header__dls-module__formControl___2tgsf:active:not(:disabled),.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:focus:not(:disabled){border-color:#006fcf;outline:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:disabled{background-color:#f7f8f9;border-color:#8e9092 !important;opacity:1}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:invalid{box-shadow:none}.axp-global-header__dls-module__module___1_EeR label{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnForm___2xdGG{background:rgba(0,0,0,0);min-width:3rem;padding:.625rem;position:absolute;bottom:0;right:0;top:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnForm___2xdGG:hover{background:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY{border:1px solid rgba(0,0,0,0);cursor:pointer;display:inline-block;font-weight:normal;max-width:17.5rem;min-width:11.25rem;overflow:hidden;position:relative;text-align:center;text-overflow:ellipsis;transition:all .2S ease-in-out;transition-property:color,background-color,border-color;-webkit-user-select:none;-moz-user-select:none;user-select:none;vertical-align:middle;white-space:nowrap;padding:.8125rem 1.875rem;font-size:1rem;line-height:1.375rem;border-radius:.25rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:focus,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:hover{text-decoration:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:disabled{box-shadow:none;cursor:not-allowed;background:#f7f8f9 !important;border-color:#c8c9c7 !important;color:#8e9092 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:disabled::after{border-color:#c8c9c7;color:#c8c9c7}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnSm___2iwWq{padding:.5rem 1.25rem;font-size:.9375rem;line-height:1.375rem;border-radius:.1875rem;max-width:16.25rem;min-width:6.875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnInline___JVsCI{display:inline-block;max-width:none;min-width:0;vertical-align:top;width:auto}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY{color:#fff;background:#006fcf}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:hover{background:#0069c4}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:active{background:#0063b9}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnTertiary___2pbac{color:#006fcf;background:rgba(0,0,0,0);border-color:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnTertiary___2pbac:hover{color:#0065bd;background:#f2f2f2}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnTertiary___2pbac:active{color:#005aa8;background:#e5e5e5}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg{align-items:center;display:inline-flex;min-width:2.625rem;justify-content:center;padding-right:1.875rem;padding-left:1.875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg::before{-webkit-font-smoothing:antialiased;-webkit-text-stroke:0;-moz-osx-font-smoothing:grayscale;backface-visibility:hidden;display:block;font-style:normal;font-size:1.75rem;font-weight:normal;font-variant:normal;text-transform:none;position:relative;speak:none;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg.axp-global-header__dls-module__btnInline___JVsCI{display:inline-fle;padding-right:.625rem;padding-left:.625rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg.axp-global-header__dls-module__btnSm___2iwWq{padding-right:1.25rem;padding-left:1.25rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg.axp-global-header__dls-module__btnSm___2iwWq::before{font-size:1.375rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg.axp-global-header__dls-module__btnSm___2iwWq.axp-global-header__dls-module__btnInline___JVsCI{padding-right:.375rem;padding-left:.375rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg::before,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg span{display:inline-block;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg span{padding-left:10px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__caret___3BPtC{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__caret___3BPtC>span:first-child{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;display:inline-block;position:relative;transform:rotate(0deg);transition:color .25S ease-out,transform .25S ease-out}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsFlag___2XjvY{background-size:cover;display:inline-block;font-size:0;height:4.3125rem;outline:1px solid #8e9092;width:6.25rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsFlag___2XjvY img{vertical-align:top;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__flagSm___BQchq{height:.6875rem;width:1rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__list___3KSxW{padding:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b{padding-left:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b li{display:inline-block;white-space:nowrap}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b li:first-child:not(:last-child),.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b li+li{padding-right:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b li:not(:last-child)::after{color:#8e9092;content:"|";font-size:1.2rem;font-weight:200;margin-left:.625rem;margin-right:.625rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoBlueboxSolidSm___13LtE{display:inline-block;width:45px;height:45px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoBlueboxSolidSm___13LtE img{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoLineSm___3Z4Ki{display:inline-block;width:235px;height:15px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoLineSm___3Z4Ki img{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoStackXs___tfyDg{display:inline-block;width:90px;height:25px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoStackXs___tfyDg img{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoStackSm___3ssQI{display:inline-block;width:100px;height:28px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoStackSm___3ssQI img{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navSticky___2Ns68{left:0;position:fixed !important;top:0;width:100%;z-index:99}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L{z-index:99;background:#fff}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navMenu___2v96a{list-style:none;padding-left:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L ul,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L li,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navMenu___2v96a ul,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navMenu___2v96a li{padding:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navOverlay___3fdBz{background-color:rgba(142,144,146,.08);bottom:0;left:0;opacity:0;position:fixed;right:0;top:3.125rem;transition:visibility .5S ease-out,opacity .5S ease-out;visibility:hidden}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navLink___2iw6Y{color:#006fcf;display:block;position:relative;-webkit-user-select:none;-moz-user-select:none;user-select:none;white-space:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:none;text-decoration:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navLink___2iw6Y:focus{z-index:100;outline:1px dashed #53565a;outline-offset:-3px !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L.axp-global-header__dls-module__navLarge___LYxP0{min-height:3.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L.axp-global-header__dls-module__navLarge___LYxP0 .axp-global-header__dls-module__navOverlay___3fdBz{top:3.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T{position:relative;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navMenu___2v96a{align-items:center;display:inline-flex;position:relative;vertical-align:middle;white-space:nowrap;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{color:#53565a;margin:0;padding-top:.625rem;padding-bottom:0;padding-left:10px;padding-right:10px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{padding-left:12px;padding-right:12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{padding-left:18px;padding-right:18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{padding-left:20px;padding-right:20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{padding-left:20px;padding-right:20px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T.axp-global-header__dls-module__border___2o-CH>.axp-global-header__dls-module__navMenu___2v96a{bottom:-1px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y{padding-top:.8125rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y::after{background-color:rgba(0,0,0,0);bottom:0;content:"";display:block;height:4px;left:.9375rem;margin-top:.8125rem;right:.9375rem;transition:all .25S cubic-bezier(0.65, 0, 0.45, 1)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y:hover::after{background-color:#c8c9c7}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{content:none !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T.axp-global-header__dls-module__navLarge___LYxP0 .axp-global-header__dls-module__navMenu___2v96a>li>.axp-global-header__dls-module__navLink___2iw6Y{padding-top:1.1875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5{flex:0 0 auto}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a{background-color:#fff;opacity:0;pointer-events:none;position:absolute;top:100%;transition:opacity .25S,visibility .25S;visibility:hidden;width:280px;z-index:10}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navItem___2SJY5{display:block}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y{border-bottom:0;color:#006fcf !important;margin:0;padding-top:.6875rem;padding-bottom:.6875rem;white-space:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y::after{display:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y:hover{text-decoration:underline}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a.axp-global-header__dls-module__navMenuFull___1-BbS{align-items:flex-start;left:0;margin:0;padding-top:.625rem;padding-bottom:.625rem;position:absolute;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a.axp-global-header__dls-module__navMenuFull___1-BbS .axp-global-header__dls-module__navMenuSection___1sl2X{padding:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenuFull___1-BbS{left:0;margin:0;padding-top:.625rem;padding-bottom:.625rem;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y::after{display:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:10px;padding-right:10px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:12px;padding-right:12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:18px;padding-right:18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:20px;padding-right:20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:20px;padding-right:20px}}.axp-global-header__dls-module__module___1_EeR :root .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5[aria-expanded=true]>.axp-global-header__dls-module__navMenu___2v96a{opacity:.99 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__heading1___1W4S5{color:#53565a;margin:0;padding:.75rem .875rem .75rem 1.875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navMenu___2v96a{overflow:hidden}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 10px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 20px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,.05);color:#0065bd}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y:focus{outline:1px dashed #53565a;outline-offset:-3px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC>span:first-child{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-top:-0.6Em;position:absolute;top:50%;transform:rotate(0deg);transition:color .25S ease-out,transform .25S ease-out;left:12px;color:#53565a}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{left:12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{left:18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{left:20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{left:20px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true]{background-color:#f7f8f9;color:#006fcf}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true]:hover{background-color:rgba(0,0,0,.05);color:#0065bd}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true]:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navOverlay___3fdBz{display:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:55px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:57px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:63px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:65px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:65px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{text-align:left;width:100%;padding-left:35px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{padding-left:37px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{padding-left:43px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{padding-left:45px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{padding-left:45px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y .axp-global-header__dls-module__icon___3MnX8::before{font-size:1.375rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:55px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:57px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:63px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:65px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:65px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:55px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:57px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:63px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:65px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:65px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{margin-left:.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:75px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:77px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:83px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:85px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:85px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{margin-left:1.5rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5{display:block;float:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5+.axp-global-header__dls-module__navItem___2SJY5{margin-bottom:0;margin-top:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a{height:auto;max-height:0;overflow:hidden;transition:max-height .4S ease-out}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X{flex:inherit;max-width:100%;padding:0;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__heading1___1W4S5{margin:0;padding-top:1.25rem;padding-bottom:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-top:.6875rem;padding-bottom:.6875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true].axp-global-header__dls-module__caret___3BPtC::before{transform:rotate(90deg)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a{max-height:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X{background-color:#f7f8f9}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__navLink___2iw6Y{background-color:#f7f8f9;color:#0065bd}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,.05);color:#005aa8}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__navLink___2iw6Y:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navItem___2SJY5[aria-expanded=true]>.axp-global-header__dls-module__navLink___2iw6Y{background-color:#ecedee;color:#00175a !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:#f7f8f9}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]>.axp-global-header__dls-module__navMenuFull___1-BbS{padding-bottom:1.875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn{position:relative}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn>input{padding-right:2.8125rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn>input:focus+button{color:#006fcf}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn>input::-ms-clear{display:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn>button{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__border___2o-CH{border:.0625rem solid #ecedee}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__borderT___CEGgm{border-top:.0625rem solid #ecedee}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__borderB___1dc4K{border-bottom:.0625rem solid #ecedee}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__borderL___1sO7H{border-left:.0625rem solid #ecedee}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__srOnly___u78M4{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);-webkit-clip-path:polygon(0 0, 0 0, 0 0, 0 0);clip-path:polygon(0 0, 0 0, 0 0, 0 0);border:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__displayNone___3VUuZ{display:none !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__displayBlock___ubmQb{display:block !important;speak:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__displayInline___2f0yX{display:inline !important;speak:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__flex___3Gsxz{display:flex !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__positionRelative___2cdGs{position:relative !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__widthFull___3ApM9{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__fluid___1ow0i{width:100% !important;max-width:none !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hidden___ZjiBp{display:none !important}@media(max-width: 767px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hiddenSmDown___7zgQf{display:none !important}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hiddenMdUp___2R91O{display:none !important}}@media(max-width: 1023px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hiddenMdDown___1OwKR{display:none !important}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hiddenLgUp___9OX8f{display:none !important}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__invisible___15wdH{visibility:hidden !important;opacity:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__marginLr___26Z5R{margin-left:1.25rem !important;margin-right:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__margin0___3S0s6{margin:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__margin0B___112vq{margin-bottom:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__margin1R___BEOhT{margin-right:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__margin1Lr___3zPVW{margin-left:.625rem !important;margin-right:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad0LXsUp___yBhX3{padding-left:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1LXsUp___weeIC{padding-left:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__padTb___3-Cwz{padding-top:1.25rem !important;padding-bottom:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__padT___EykJE{padding-top:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__padB___29gTP{padding-bottom:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad0___1QHU5{padding:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad0B___3S7m1{padding-bottom:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad0Lr___6M-vV{padding-left:0 !important;padding-right:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1L___1mkJA{padding-left:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1R___hu7Zw{padding-right:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1Lr___2Fa-x{padding-left:.625rem !important;padding-right:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1Tb___1rd7R{padding-top:.625rem !important;padding-bottom:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad2L___Gugdk{padding-left:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__textWrap___3wMeN{word-wrap:break-word;white-space:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__fontWeightNormal___2V-SL{font-weight:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsBrightBlue___3kbV8{color:#006fcf !important;fill:#006fcf !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsWhite___VccON{color:#fff !important;fill:#fff !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsWhiteBg___2unIs{background-color:#fff !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsGray01Bg___ZmrCk{background-color:#f7f8f9 !important}@font-face{font-family:"amex-card-number";font-weight:normal;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/amex22.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/amex22.woff2") format("woff2")}@font-face{font-family:"amex-card-name";font-weight:normal;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/amexcarembbaboo.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/amexcarembbaboo.woff2") format("woff2")}@font-face{font-family:"Guardian";font-font-style:normal;font-weight:400;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/guardianregular.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/guardianregular.woff2") format("woff2")}@font-face{font-family:"BentonSans";font-weight:300;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/325e6ad0-38fb-4bad-861c-d965eab101d5-3.woff") format("woff")}@font-face{font-family:"BentonSans";font-weight:400;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/3be50273-0b2e-4aef-ae68-882eacd611f9-3.woff") format("woff")}@font-face{font-family:"BentonSans";font-weight:500;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/0fababca-4914-46dd-9b0f-efbd51f67ae8-3.woff") format("woff")} .axp-global-header__ChangeLocale__changeLocale___57nLN{min-height:0 !important}@media(max-width: 1023px){.axp-global-header__ChangeLocale__changeLocale___57nLN .axp-global-header__ChangeLocale__localeContainer___1CSDT{padding-left:.6875rem}}@media(max-width: 767px){.axp-global-header__ChangeLocale__changeLocale___57nLN .axp-global-header__ChangeLocale__localeContainer___1CSDT{padding-left:.875rem}}@media(min-width: 1024px){.axp-global-header__ChangeLocale__changeLocale___57nLN .axp-global-header__ChangeLocale__localeContainer___1CSDT{padding-left:.625rem}}.axp-global-header__ChangeLocale__changeLocale___57nLN .axp-global-header__ChangeLocale__localeContainer___1CSDT a:hover{background:none;text-decoration:underline}.axp-global-header__ChangeLocale__changeLanguage___2elPR section{display:inline}.axp-global-header__ChangeLocale__changeLanguage___2elPR section>span:after{content:"";border-right:1px solid #53565a;margin:0 .625rem}.axp-global-header__ChangeLocale__changeLanguage___2elPR ul{display:inline}.axp-global-header__ChangeLocale__changeLanguage___2elPR section>ul>li{display:inline !important}.axp-global-header__ChangeLocale__textPadding___1Bsfa{padding-top:.85rem !important}.axp-global-header__ChangeLocale__tabsOutline___3wtTe{outline:0px !important} .axp-global-header__GlobalHeader__list___eg7fM svg{fill:#fff;width:1.375rem;height:1.375rem;stroke:#fff;stroke-width:2px}.axp-global-header__GlobalHeader__globalHeader___MXh17{-webkit-tap-highlight-color:rgba(0,0,0,0);-webkit-font-smoothing:antialiased;z-index:99;max-width:100vw;color:#000;font-family:Helvetica Neue,Roboto,sans-serif;font-size:.9375rem;line-height:1.45667;box-sizing:border-box}.axp-global-header__GlobalHeader__globalHeader___MXh17 *{box-sizing:border-box}.axp-global-header__GlobalHeader__globalHeader___MXh17 img{vertical-align:middle}.axp-global-header__GlobalHeader__globalHeader___MXh17 label{text-transform:none}.axp-global-header__GlobalHeader__globalHeader___MXh17 a{color:#006fcf;cursor:pointer;text-decoration:none;transition:color .25s ease-out,background-color .25s ease-out}.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__navContainer___1rC-J,.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__verticalNav___1aQcq .axp-global-header__GlobalHeader__navContainer___1rC-J,.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__searchBar___3Fr-v .axp-global-header__GlobalHeader__navContainer___1rC-J{position:static !important;max-width:1240px;background:rgba(0,0,0,0)}.axp-global-header__GlobalHeader__globalHeader___MXh17 .container{max-width:1240px}.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__searchBar___3Fr-v .search-form{padding:0px}.axp-global-header__GlobalHeader__headerSpacer___1QFWZ{min-height:3.825rem}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchOpen___1tziw{background:rgba(0,0,0,.1)}.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__searchOpen___1tziw,.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__searchClosed___C1OtT,.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__helpLink___1fYs8{background:rgba(0,0,0,0)}.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__searchOpen___1tziw:hover,.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__searchClosed___C1OtT:hover,.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__helpLink___1fYs8:hover{background:rgba(0,0,0,.1)}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchOpen___1tziw svg,#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchClosed___C1OtT svg{fill:#fff}@media(max-width: 1123px){#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G{background:#006fcf}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__helpLink___1fYs8{color:#fff;transition:none}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchOpen___1tziw:hover,#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchClosed___C1OtT:hover,#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__helpLink___1fYs8:hover{background:rgba(0,0,0,.1)}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btn___2_IVU{border-color:#fff;color:#fff}}.axp-global-header__GlobalHeader__withSAN___1pi4o #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G{background:#006fcf}.axp-global-header__GlobalHeader__withSAN___1pi4o #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btn___2_IVU{border-color:#fff;color:#fff}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__open___2z8sT{display:inline-block}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__closed___35m2e{display:none}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__helpLink___1fYs8{color:#fff;transition:none}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__openLogout___Y7UHl{display:inline-block}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__closedLogout___3PWnS{display:none}.axp-global-header__GlobalHeader__horizontalNav___4yi5G{z-index:1}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__open___2z8sT{display:none;border-color:#fff}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__openLogout___Y7UHl{display:none;color:#fff}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__closedLogout___3PWnS{display:inline-block}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btnPadding___2r35N{padding:.63rem 1.25rem !important}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btnLineHeight___3tiaR{line-height:1.625rem}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchPadding___3lVlJ{padding-top:.66rem !important;padding-bottom:.66rem !important}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__logoNavLink___3Kj66{padding:0}@media(max-width: 1123px){.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__logoNavLink___3Kj66{padding-top:.875rem;padding-bottom:.875rem}}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__logoNavLink___3Kj66>span{display:inline-block}@media(min-width: 1124px){#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__withoutSAN___2Nbk1 .axp-global-header__GlobalHeader__horizontalNav___4yi5G{background:#fff}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__withoutSAN___2Nbk1 .axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btn___2_IVU{border-color:rgba(0,0,0,0);color:#fff}}.axp-global-header__GlobalHeader__spacer___2WuMl{flex-grow:1}.axp-global-header__GlobalHeader__centeredLogo___13QOF{left:50%;position:absolute;top:50%;transform:translate(-50%, -50%)}.axp-global-header__GlobalHeader__focSec___1OFxG:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-global-header__GlobalHeader__verticalNav___1aQcq{display:none;height:calc(100vh - 3.875rem);overflow-y:scroll;position:relative}@media(max-width: 767px){.axp-global-header__GlobalHeader__searchBar___3Fr-v+.axp-global-header__GlobalHeader__verticalNav___1aQcq{height:calc(100vh - 7.75rem)}}.axp-global-header__GlobalHeader__withSAN___1pi4o #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__verticalNav___1aQcq,.axp-global-header__GlobalHeader__withSAN___1pi4o #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__searchBar___3Fr-v+.axp-global-header__GlobalHeader__verticalNav___1aQcq{display:block}@media(max-width: 1123px){.axp-global-header__GlobalHeader__withoutSAN___2Nbk1 #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__verticalNav___1aQcq,.axp-global-header__GlobalHeader__withoutSAN___2Nbk1 #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__searchBar___3Fr-v+.axp-global-header__GlobalHeader__verticalNav___1aQcq{display:block}}.axp-global-header__GlobalHeader__verticalNav___1aQcq label{font-size:.9375rem;font-weight:normal;line-height:1.4667;margin-bottom:0}.axp-global-header__GlobalHeader__focMen___38EXo:focus{outline:dashed 2px #53565a;outline-offset:3px}.axp-global-header__GlobalHeader__centeredLogoFoc___1f3tY:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-global-header__GlobalHeader__searchBar___3Fr-v{display:none}@media(max-width: 374px){#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__searchBar___3Fr-v{display:block}}@media(min-width: 375px){#axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__searchBar___3Fr-v{display:block}}#axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__overlay___2nBF9{visibility:hidden !important;transition:none !important}.axp-global-header__GlobalHeader__searchSpacer___Am_uo{display:none;height:71px;width:100%}#axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17+.axp-global-header__GlobalHeader__searchSpacer___Am_uo{display:block}.axp-global-header__GlobalHeader__searchOffset___30fwd{top:0}#axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__searchOffset___30fwd{top:71px}.axp-global-header__GlobalHeader__vertNavMenuButton___1FIS5{min-width:2.625rem !important;vertical-align:middle}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__vertNavMenuButton___1FIS5{border-color:#fff}.axp-global-header__GlobalHeader__menuPd___7u5Sz{padding-top:16% !important;padding-bottom:16% !important}.axp-global-header__GlobalHeader__vertNavLoginBtn___1ObQn{color:#fff !important}@media(max-width: 1123px){#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__vertNavLoginBtn___1ObQn{border-color:#fff}}@media(min-width: 1124px){.axp-global-header__GlobalHeader__media_width_high___1ViXM{display:none !important}}@media(max-width: 1123px){.axp-global-header__GlobalHeader__media_width_low___1WXb4{display:none !important}}#mainContent{scroll-margin-top:10rem}#mainContent:focus-visible{outline:none}#axp-global-header__GlobalHeader__skipToContent___1Y6sO a{padding:.375rem;position:absolute;top:-2.5rem;left:50%;transform:translateX(-50%);color:#fff;border:1px solid #fff;border-top:0;border-radius:0 0 .1875rem .1875rem;background:#333 !important;-webkit-transition:top 1s ease-out;transition:top 1s ease-out;text-decoration:none;z-index:100}#axp-global-header__GlobalHeader__skipToContent___1Y6sO a:focus,#axp-global-header__GlobalHeader__skipToContent___1Y6sO a:active{position:absolute;top:0;-webkit-transition:top .1s ease-in;transition:top .1s ease-in}#axp-global-header__GlobalHeader__skipToContent___1Y6sO a:visited{color:#fff}.axp-global-header__GlobalHeader__module___3Nbc3 .axp-global-header__GlobalHeader__navHorizontal___uzOn5 .axp-global-header__GlobalHeader__navItem___zbiKf>.axp-global-header__GlobalHeader__navMenu___3bLFb .axp-global-header__GlobalHeader__navLink___3fYuy{padding-top:.875rem !important}.axp-global-header__GlobalHeader__module___3Nbc3 .axp-global-header__GlobalHeader__btnForm___2xZ0K{padding:.725rem !important}.axp-global-header__GlobalHeader__tabsOutline___3K5U7:focus span:only-child{outline:none !important}@media(max-width: 1123px){#openmenumobile{display:block}} .axp-global-header__SmallMenu__smallMenu___2aDlp :checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH{background-color:#f7f8f9}.axp-global-header__SmallMenu__smallMenu___2aDlp :checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH>span:first-child{transform:rotate(90deg) !important}:checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH+.axp-global-header__SmallMenu__subMenu___3XMJu{height:auto !important;max-height:none !important;opacity:1 !important;display:contents !important}:checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH+.axp-global-header__SmallMenu__subMenu___3XMJu .axp-global-header__SmallMenu__link___2JSUk{color:#00175a;background-color:#ecedee}:checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH+.axp-global-header__SmallMenu__subMenu___3XMJu .axp-global-header__SmallMenu__link___2JSUk:hover{background-color:#f0f1f1}:checked+.axp-global-header__SmallMenu__sectionOpener___11u29{background:#ecedee !important;color:#00175a !important}:not(:checked)+.axp-global-header__SmallMenu__subMenuLabel___37zVH+.axp-global-header__SmallMenu__subMenu___3XMJu{display:none}.axp-global-header__SmallMenu__displayNone___14Leo{display:none}.axp-global-header__SmallMenu__subMenuLabel___37zVH{overflow:hidden;text-overflow:ellipsis}.axp-global-header__SmallMenu__navItem___3BSZd{list-style-type:none}.axp-global-header__SmallMenu__helpfulMenu___T3eO8{padding:0 57px} .axp-global-header__LargeMenu__rightNav___1OD53{background:#fff;display:none;min-height:calc(100vh - 3.875rem) !important;position:absolute !important;top:0}:checked+label+.axp-global-header__LargeMenu__rightNav___1OD53{display:block}.axp-global-header__LargeMenu__sectionOpener___Ul74B{color:#006fcf;box-sizing:border-box}:checked+.axp-global-header__LargeMenu__sectionOpener___Ul74B{background:#ecedee;color:#00175a}.axp-global-header__LargeMenu__groupHeading___1zcVp{background:rgba(0,0,0,0) !important;padding:.75rem .875rem !important}.axp-global-header__LargeMenu__navMenu___1NrgB{background:rgba(0,0,0,0) !important;height:auto !important;max-height:none !important;margin:0 !important;opacity:1 !important;pointer-events:all !important;position:static !important;visibility:visible !important;width:100% !important}.axp-global-header__LargeMenu__leftNav___GKu4X{position:static !important}.axp-global-header__LargeMenu__menuOverlay___30Skv{height:100vh;position:fixed;top:3.875rem;width:100vw;z-index:-1}@media(max-width: 1023px){.axp-global-header__LargeMenu__largeMenu___1HrgC{margin:0 -20px}} .axp-global-header__Tabs__navTabs___XEPHn{position:static !important}#axp-global-header__Tabs__tabCloser___2jJeH,.axp-global-header__Tabs__tabOpen___1K4kz{display:inline}.axp-global-header__Tabs__tabOpener___1UPD9{display:inline}.axp-global-header__Tabs__tabsPadding___19KIS{padding-top:4% !important}.axp-global-header__Tabs__closedLabel___2Xajz{display:block !important}:checked+.axp-global-header__Tabs__closedLabel___2Xajz{display:none !important}.axp-global-header__Tabs__openLabel___27qRR{display:none !important}:checked+label+.axp-global-header__Tabs__openLabel___27qRR{display:block !important}.axp-global-header__Tabs__openLabel___27qRR:after{background-color:#006fcf !important}.axp-global-header__Tabs__subMenu___2hlGM{background:#f7f8f9 !important;top:100% !important}:checked+.axp-global-header__Tabs__closedLabel___2Xajz+.axp-global-header__Tabs__openLabel___27qRR+.axp-global-header__Tabs__subMenu___2hlGM{opacity:1;pointer-events:all;visibility:visible}.axp-global-header__Tabs__columnHeading___2Ul7j{background:none !important}.axp-global-header__Tabs__navTabs___XEPHn+label .axp-global-header__Tabs__navOverlay___2cKCf{visibility:visible;background-color:rgba(0,0,0,.5);opacity:1;top:3.8rem !important}#axp-global-header__Tabs__tabCloser___2jJeH+.axp-global-header__Tabs__navTabs___XEPHn+label .axp-global-header__Tabs__navOverlay___2cKCf{opacity:0;visibility:hidden} .axp-global-header__SearchBar__searchBar___1Pg5q{position:absolute;top:3.8125rem;left:0;width:100%;z-index:1}.axp-global-header__SearchBar__searchBar___1Pg5q .container .search-form{padding:0}.axp-global-header__SearchBar__searchBar___1Pg5q form.search{background:#f7f8f9}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__focSec___3u3jY:focus{outline:dashed 1px #53565a;outline-offset:2px}.axp-global-header__SearchBar__searchBar___1Pg5q .show-icon{display:flex !important}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__closeIcon___3Df0u{display:none;align-items:center;min-width:auto;right:42px}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__searchIcon___22ayq{display:flex;align-items:center;min-width:auto;border-left:.0625rem solid #8e9092}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__closeIcon___3Df0u:hover,.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__searchIcon___22ayq:hover{stroke-width:3;stroke:#000}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__searchInput___3aDra:focus~span .axp-global-header__SearchBar__searchIcon___22ayq{border-left:.0625rem solid #006fcf !important;fill:#006fcf}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__searchInput___3aDra:focus~span .axp-global-header__SearchBar__searchIcon___22ayq:hover{stroke:#006fcf}</style><style class="ssr-css">.axp-forum-author__Author__label4___2n2rY{font-size:.8125rem;line-height:1.25rem;color:#333}.axp-forum-author__Author__authorNameOverrides___1sE1T{font-weight:600;color:#333}.axp-forum-author__Author__authorAvatarImage___2pJfx{margin:0;background-size:cover;background-position:center center;background-repeat:no-repeat;overflow:hidden}.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorAvatarWrap___2ZTJ1,.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorInfoWrap____u6Se{vertical-align:top;display:inline-block}.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorAvatarWrap___2ZTJ1{margin-right:9px}@media(max-width: 767px){.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorAvatarWrap___2ZTJ1{width:100%}}.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorAvatarImage___2pJfx{width:3.2rem;height:3.2rem;border-radius:50%}@media(min-width: 768px){.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorInfoWrap____u6Se{width:calc(100% - 84px)}}.axp-forum-author__Author__authorCard___2qJn9{margin-top:30px}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorCardInner___1PpDQ{box-sizing:border-box;border:1px solid #c8c9c7;border-radius:4px;margin:10px 0}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__label4___2n2rY{font-size:.9375rem}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorName___908g8{margin-bottom:5px}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__cardLabel___I8F_z{font-size:1rem;font-weight:500}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorAvatarWrap___2ZTJ1,.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorInfoWrap____u6Se{display:inline-block;vertical-align:top}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorAvatarWrap___2ZTJ1{margin-right:20px}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorAvatarImage___2pJfx{width:4rem;height:4rem;border-radius:50%}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorInfoWrap____u6Se{width:calc(100% - 84px)}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorAvatarWrap___2ZTJ1,.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorInfoWrap____u6Se{display:inline-block;vertical-align:middle;margin-right:20px}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorInfoWrap____u6Se{padding-top:20px}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorAvatarImage___2pJfx{width:6.25rem;height:6.25rem;border-radius:50%}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorAvatarImageSquare___3i17x{border-radius:0}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__truncateText___1Yar4{height:6.5rem;overflow:hidden}.axp-forum-author__Author__authorBio___ki2Yq p{font-size:1rem}.axp-forum-author__Author__authorBio___ki2Yq.axp-forum-author__Author__authorProfile___2PtmK .axp-forum-author__Author__authorAvatarWrap___2ZTJ1{vertical-align:top}@media only screen and (min-width: 400px){.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorInfoWrap____u6Se{padding-top:0}}@media only screen and (min-width: 768px){.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorCardInner___1PpDQ{padding:30px}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__cardLabel___I8F_z{font-size:1.25rem;font-weight:400;color:#333}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorAvatarWrap___2ZTJ1,.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorInfoWrap____u6Se{vertical-align:middle}.axp-forum-author__Author__authorBio___ki2Yq p{font-size:1.25rem}}.axp-forum-author__Author__simpleText___1Iu81{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-weight:300;font-size:.813rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-author__Author__simpleText___1Iu81{font-size:.75rem;line-height:1.125rem}}</style><style class="ssr-css">.axp-forum-banner__ForumBanner__advertisementTitle___2xFjC{width:160px;font-weight:normal}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm{padding-top:15px}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerImage___3kI5c,.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{flex:1}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{box-sizing:border-box}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerDetails___1XWXq h2{font-weight:300;margin:0px auto}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerDetails___1XWXq p{font-size:.9375rem;line-height:1.375rem}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{position:relative;padding:20px 30px;z-index:2}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerDetails___1XWXq:after{content:"";top:0;left:0;bottom:0;right:0;position:absolute;width:100%;height:100%;background-image:url("https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_GE_Centurion_Linear_Gray6_RGB_DIGITAL.svg");background-repeat:no-repeat;background-position:top 10px right -55px;background-size:auto 150%;opacity:.2;z-index:-1}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerImage___3kI5c{display:none;min-height:275px !important}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerImage___3kI5c .axp-forum-banner__ForumBanner__bannerImageElement___1fIPP{width:100%;height:100%;background-size:cover;background-repeat:no-repeat;background-position:center;min-height:275px}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerLabel___39gt7{color:#00175a}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerTitle___OodYD{color:#006fcf}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerText___2uqh9{padding:10px 0 20px}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerText___2uqh9 p{margin:0}@media(min-width: 769px){.axp-forum-banner__ForumBanner__inlineBannerWrapperTall___3gjhC{min-height:470px !important;height:470px !important}}@media(min-width: 769px){.axp-forum-banner__ForumBanner__tallBannerFill___2YM3l{height:100% !important}}@media(min-width: 769px){.axp-forum-banner__ForumBanner__tallButtonStyle___22I-w{position:absolute;width:100%;bottom:2rem}}.axp-forum-banner__ForumBanner__inputNoBorder___2UxTz{border-style:none !important}.axp-forum-banner__ForumBanner__emailLabelFont___3eouU{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif;font-size:1rem;line-height:1.5rem;font-weight:500 !important}@media(max-width: 768px){.axp-forum-banner__ForumBanner__emailLabelFont___3eouU{font-size:.875rem;line-height:1.313rem}}.axp-forum-banner__ForumBanner__bentonSansBoldFont___2Jrub{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem}.axp-forum-banner__ForumBanner__emailHeader___1FSDW{font-family:"BentonSans-Black","BentonSans";font-weight:600;font-size:2rem;line-height:2.375rem}@media(max-width: 768px){.axp-forum-banner__ForumBanner__emailHeader___1FSDW{font-size:1.625rem;line-height:1.875rem}}@media(min-width: 768px){.axp-forum-banner__ForumBanner__emailHeader___1FSDW{max-width:320px}}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS{z-index:1;border-top:2px solid #ecedee;border-bottom:2px solid #ecedee}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupHeader___xC22I{width:100%}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupBody___GRthM label{display:none}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__trendsAndInsightsName___25InH{color:#006fcf}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileOpenEmailSignupButton___4dyYt{display:none}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupFormElements___3ZpHZ{display:flex;flex-direction:row;align-items:flex-start;justify-content:space-between}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupFormElements___3ZpHZ button{margin-top:.05rem !important}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupFormElements___3ZpHZ input{border:0 !important}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupErrorScreen___JaajK{width:100%}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileEmailSignupCloseButton___3vOyo{display:none;position:absolute;top:8px;right:14px;padding:0;width:auto;min-width:auto}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileEmailSignupCloseButton___3vOyo:before{border-radius:200px;border:none;padding:3px;font-size:10px;font-weight:bold;background:#fff;color:blue}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__bannerCtaWrapper___TXgkl{position:absolute;bottom:.5rem}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF{box-shadow:2px 2px 15px rgba(0,0,0,.25);position:fixed;bottom:20px;right:20px;background:green;width:100%;max-width:420px;z-index:99}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF,.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF *{box-sizing:border-box}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx button{border:0}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx h3,.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx button{cursor:pointer}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx h3:focus,.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx button:focus{outline:none}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorBody___1g358 .axp-forum-banner__ForumBanner__bannerImage___3kI5c{width:100%}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorBody___1g358 .axp-forum-banner__ForumBanner__bannerImage___3kI5c .axp-forum-banner__ForumBanner__bannerImageElement___1fIPP{width:100%;height:100%;background-size:cover;background-repeat:no-repeat;background-position:center;height:210px}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{position:relative;padding-top:20px}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerDetails___1XWXq.axp-forum-banner__ForumBanner__includeCenturion___3wpdk{z-index:2}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerDetails___1XWXq.axp-forum-banner__ForumBanner__includeCenturion___3wpdk:after{content:"";top:0;left:0;bottom:0;right:0;position:absolute;width:100%;height:100%;background-image:url("https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_GE_Centurion_Linear_Gray6_RGB_DIGITAL.svg");background-repeat:no-repeat;background-position:top 10px right -55px;background-size:auto 150%;opacity:.2;z-index:-1}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerCardImage___16Fuu{width:100%;height:100px;position:absolute;left:50%;transform:translate(-50%, -50%);text-align:center}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerCardImage___16Fuu .axp-forum-banner__ForumBanner__bannerCardImageElement___as1gP{max-height:100%;width:auto;position:relative}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerCardImage___16Fuu+.axp-forum-banner__ForumBanner__bannerDetails___1XWXq{padding-top:47px}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__ctaButton___1M4Hj:hover{text-decoration:none}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__ctaButton___1M4Hj button{margin:0 auto}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__minWidth420___1HBO1{min-width:420px !important}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__minWidthAuto___DyNQS{min-width:auto !important}.axp-forum-banner__ForumBanner__winnieThePooh___194bw{display:none !important}.axp-forum-banner__ForumBanner__centerAbsolutely___2nFDC{position:absolute;top:50%;left:50%;transform:translate(-50%, -50%)}.axp-forum-banner__ForumBanner__animFadeEnterActiveSlower___1-nZ_{opacity:1 !important;transition:opacity 1.4s ease !important}.axp-forum-banner__ForumBanner__makeVisible___2CdOH{visibility:visible}@media only screen and (min-width: 768px){.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD{overflow:hidden}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerImage___3kI5c{display:block;width:100%}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerDetails___1XWXq:after{background-position:top 10px right -90px}}@media only screen and (max-width: 768px){.axp-forum-banner__ForumBanner__bannerCtaWrapper___TXgkl{display:flex;justify-content:center}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{padding:30px}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS{margin:0}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupHeader___xC22I{background:#006fcf;color:#fff;padding:30px;text-align:left;display:flex;flex-direction:column;align-items:flex-start}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupBodyMobileInvisible___1nVJq{display:none}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__trendsAndInsightsName___25InH{color:#fff}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileOpenEmailSignupButton___4dyYt{display:block;align-self:center;margin:30px 0 0 0}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupFormElements___3ZpHZ{display:flex;flex-direction:column;align-items:center;justify-content:center;margin-bottom:15px}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileEmailSignupCloseButton___3vOyo{display:block}}@media(max-width: 768px){.axp-forum-banner__ForumBanner__businessClassBanner___3-y5C img{height:7vh !important;object-fit:scale-down}}.axp-forum-banner__ForumBanner__borderSmallRadius___1Z1Tk{border-radius:2px}.axp-forum-banner__ForumBanner__borderLeftRadius___2Ou6d{border-top-left-radius:5px;border-bottom-left-radius:5px}.axp-forum-banner__ForumBanner__borderRightRadius___dP_qV{border-top-right-radius:5px;border-bottom-right-radius:5px}.axp-forum-banner__ForumBanner__noBorder___3X1DQ{border:0 !important}.axp-forum-banner__ForumBanner__noBtnOutline___39PQv button{outline:none !important}.axp-forum-banner__ForumBanner__noBtnOutline___39PQv button:focus{outline:none !important}.axp-forum-banner__ForumBanner__emailFormElements___NkrSY{align-items:start !important;flex-direction:row}@media(max-width: 767px){.axp-forum-banner__ForumBanner__emailFormElements___NkrSY{flex-direction:column}}@media(min-width: 768px){.axp-forum-banner__ForumBanner__inputWidthMobile___1JUM4{width:calc(100% - 170px)}}.axp-forum-banner__ForumBanner__submitBtn___2o_vp{height:50px;border-radius:4px;transition:.5s background}.axp-forum-banner__ForumBanner__submitBtn___2o_vp:hover{background:#00175a}@media(min-width: 768px){.axp-forum-banner__ForumBanner__submitBtn___2o_vp{width:150px !important}}.axp-forum-banner__ForumBanner__errorMessagePosition___SKCN_{top:40% !important}@media(min-width: 768px){.axp-forum-banner__ForumBanner__errorMessagePosition___SKCN_{left:25% !important}}@media(min-width: 426px)and (max-width: 767px){.axp-forum-banner__ForumBanner__errorMessagePosition___SKCN_{left:20% !important;-webkit-transform:translate(-12%, -100%) !important}}@media(max-width: 425px){.axp-forum-banner__ForumBanner__errorMessagePosition___SKCN_{top:20% !important;left:50% !important}}.axp-forum-banner__ForumBanner__successMessagePosition___2fwsy{left:25% !important;top:50% !important}@media(min-width: 426px)and (max-width: 767px){.axp-forum-banner__ForumBanner__successMessagePosition___2fwsy{left:20% !important;-webkit-transform:translate(50%, -50%) !important}}@media(max-width: 425px){.axp-forum-banner__ForumBanner__successMessagePosition___2fwsy{top:25% !important;left:50% !important}}.axp-forum-banner__ForumBanner__underline___jHEkQ{border-bottom:1px solid #006fcf}.axp-forum-banner__ForumBanner__underline___jHEkQ:hover{text-decoration:none !important}</style><style class="ssr-css">.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql{margin-bottom:20px}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{width:32px;height:32px;display:inline-block}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4+.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{margin-left:20px}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4.axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk .axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI{font-size:32px}@media only screen and (max-width: 319px){.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{width:28px !important;height:28px !important}.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4+.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{margin-left:15px !important}.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4.axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk .axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI{font-size:28px !important}}@media only screen and (min-width: 768px){.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql{margin-bottom:30px}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8{position:absolute}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{display:block;margin:0}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4+.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{margin-top:20px}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4.axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk{position:relative;height:24px;overflow:hidden}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4.axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk>.axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI{position:absolute;top:50%;transform:translateY(-50%)}}</style><style class="ssr-css">a.axp-forum-header__ForumHeader__skip___2w2x2:focus{font-size:.8em;width:auto;height:auto;clip:auto;left:10px;top:10px;z-index:999}.axp-forum-header__ForumHeader__subnavWrapper___C0L3U{max-width:1200px !important;height:60px}.axp-forum-header__ForumHeader__desktopLogo___3TSNY{min-width:85px;width:85px;margin:8px 0px 8px}.axp-forum-header__ForumHeader__mobileLogo___23TGC{max-width:200px}.axp-forum-header__ForumHeader__subnavLink___GihBo{text-transform:none;text-decoration:none !important}.axp-forum-header__ForumHeader__subnavLink___GihBo :hover,.axp-forum-header__ForumHeader__subnavLink___GihBo :focus{color:#00175a}.axp-forum-header__ForumHeader__subnavText___3I0Fl p,.axp-forum-header__ForumHeader__subnavText___3I0Fl h3,.axp-forum-header__ForumHeader__subnavText___3I0Fl h4{font-family:BentonSans,"Helvetica Neue",Roboto,Helvetica,sans-serif;text-transform:none;font-weight:400;font-size:14px;line-height:20px}.axp-forum-header__ForumHeader__mobileDropdown___CapBc{height:calc(100vh - 60px);max-width:425px;margin-left:auto !important;right:0;z-index:99}.axp-forum-header__ForumHeader__dropdown___3FAmT .axp-forum-header__ForumHeader__subnavIcon___1TeYW{max-width:20px;margin-right:10px}.axp-forum-header__ForumHeader__dropdown___3FAmT .axp-forum-header__ForumHeader__panel___2E0nU{visibility:hidden}.axp-forum-header__ForumHeader__dropdown___3FAmT:hover{border-bottom:4px solid #00175a;outline:0px}.axp-forum-header__ForumHeader__dropdown___3FAmT:hover h3{color:#00175a;text-decoration:none !important}.axp-forum-header__ForumHeader__dropdown___3FAmT:hover .axp-forum-header__ForumHeader__panel___2E0nU{visibility:visible}.axp-forum-header__ForumHeader__dropdown___3FAmT:focus{text-decoration:none !important}@media(max-width: 1023px){.axp-forum-header__ForumHeader__hideMenuItem___1td0n{display:none !important}}.axp-forum-header__ForumHeader__menuLabelFocused___2fNQY{border-bottom:4px solid #00175a}.axp-forum-header__ForumHeader__menuLabelFocused___2fNQY h3{color:#00175a;text-decoration:none !important}.axp-forum-header__ForumHeader__description___3vQqi{line-height:1.125rem;font-size:12px !important}.axp-forum-header__ForumHeader__dottedFocus___1pEry:focus{outline:dotted 1px rgba(0,0,0,.3);outline-offset:3px;z-index:99}.axp-forum-header__ForumHeader__noOutlineOnFocus___3pC5q:focus{outline:0px}.axp-forum-header__ForumHeader__listStyleNone___SCDK_{list-style:none}.axp-forum-header__ForumHeader__panel___2E0nU{top:60px;z-index:999;left:-30px;min-width:245px}.axp-forum-header__ForumHeader__subnavSection___ZjTsT{min-width:250px}@media(max-width: 1023px){.axp-forum-header__ForumHeader__topicMenu___1PBMC h4{margin-left:-10px !important;font-size:14px}.axp-forum-header__ForumHeader__topicMenu___1PBMC li,.axp-forum-header__ForumHeader__topicMenu___1PBMC p{padding-left:5px}}@media(min-width: 1024px){.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU{width:100vw;max-width:100vw;position:absolute;left:auto;right:0px !important;text-align:left}.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU .axp-forum-header__ForumHeader__description___3vQqi{max-width:150px}.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU h4{font-size:16px;line-height:22px}}@media(min-width: 1200px){.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU{width:1200px;max-width:1200px}}.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU .axp-forum-header__ForumHeader__subnavSection___ZjTsT{min-width:235px;padding-right:10px !important}@media(min-width: 426px){.axp-forum-header__ForumHeader__logoMargin___1VANM{margin-left:auto !important}}@media(min-width: 320px)and (max-width: 425px){.axp-forum-header__ForumHeader__logoMargin___1VANM{margin-left:20px !important}}.axp-forum-header__ForumHeader__height60___2jgHC{height:60px !important}.axp-forum-header__ForumHeader__right20___1y11x .axp-forum-header__ForumHeader__panel___2E0nU{right:-20px !important}.axp-forum-header__ForumHeader__right30___1u79- .axp-forum-header__ForumHeader__panel___2E0nU{right:-30px !important}.axp-forum-header__ForumHeader__right150___2Wfy- .axp-forum-header__ForumHeader__panel___2E0nU{right:-150px !important}.axp-forum-header__ForumHeader__right175____w30_ .axp-forum-header__ForumHeader__panel___2E0nU{right:-175px !important}.axp-forum-header__ForumHeader__right210___JKhe3 .axp-forum-header__ForumHeader__panel___2E0nU{right:-210px !important}.axp-forum-header__ForumHeader__right240___11eej .axp-forum-header__ForumHeader__panel___2E0nU{right:-240px !important}.axp-forum-header__ForumHeader__right305___9tRRD .axp-forum-header__ForumHeader__panel___2E0nU{right:-305px !important}.axp-forum-header__ForumHeader__right315___GaWCt .axp-forum-header__ForumHeader__panel___2E0nU{right:-315px !important}.axp-forum-header__ForumHeader__left175___pX96d .axp-forum-header__ForumHeader__panel___2E0nU{left:-175px}.axp-forum-header__ForumHeader__left375___2N7z0 .axp-forum-header__ForumHeader__panel___2E0nU{left:-375px}.axp-forum-header__ForumHeader__iconOverrides___3LGjf:before{font-size:.8rem !important}</style><style class="ssr-css">.axp-forum-content-list__list__h100___2OeB0{height:100%} .axp-forum-content-list__tile__largeVideoTopicTitle___1IBmn{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-size:1rem !important}@media(max-width: 560px){.axp-forum-content-list__tile__largeVideoTopicTitle___1IBmn{font-size:.875rem !important}}.axp-forum-content-list__tile__topicArticle___1hZbH{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem;height:3rem}@media(max-width: 768px){.axp-forum-content-list__tile__topicArticle___1hZbH{font-size:.875rem;line-height:1.25rem;height:auto}}.axp-forum-content-list__tile__customLineHeight___kPeGX{height:2.5rem !important}.axp-forum-content-list__tile__miniTilesGridTitle___1ih-M{height:190px;width:190px;min-width:190px;font-family:"BentonSans-Light","BentonSans",Helvetica,sans-serif;font-size:2rem;line-height:2.125rem}.axp-forum-content-list__tile__miniTilesGridTitle___1ih-M a{color:#fff}@media(max-width: 768px){.axp-forum-content-list__tile__miniTilesGridTitle___1ih-M{height:150px;width:150px;min-width:150px;font-size:1.5rem;line-height:1.75rem}}.axp-forum-content-list__tile__topicArticle___1hZbH{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem;height:3rem}@media(max-width: 768px){.axp-forum-content-list__tile__topicArticle___1hZbH{font-size:.875rem;line-height:1.25rem;height:auto}}.axp-forum-content-list__tile__videoLinks___3OBc6:hover *{text-decoration:underline}.axp-forum-content-list__tile__childLink___19dUd a div{font-size:1rem !important}.axp-forum-content-list__tile__customHeading5BentonBlack___1EJvo{font-family:"BentonSans-Black","BentonSans",Arial,sans-serif;font-weight:600 !important;font-size:1.25rem;line-height:1.5rem}@media(max-width: 768px){.axp-forum-content-list__tile__customHeading5BentonBlack___1EJvo{font-size:1.125rem;line-height:1.375rem}}.axp-forum-content-list__tile__customHeading6___3Yeqw{font-family:"BentonSans-Bold","BentonSans",Helvetica,sans-serif;font-weight:600 !important;font-size:1rem !important;line-height:1.375rem}@media(max-width: 768px){.axp-forum-content-list__tile__customHeading6___3Yeqw{font-size:.875rem;line-height:1.25rem}}.axp-forum-content-list__tile__customHeading5___-D3HF{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:600;font-size:1.25rem;line-height:1.5rem}@media(max-width: 768px){.axp-forum-content-list__tile__customHeading5___-D3HF{font-size:1.125rem;line-height:1.375rem}}.axp-forum-content-list__tile__customHeading2___h_Tcb{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.9375rem;line-height:1.375rem}.axp-forum-content-list__tile__teaserMargin___qR26N{margin-top:-0.625rem}.axp-forum-content-list__tile__postStats___3OJqR{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-size:.812rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-content-list__tile__postStats___3OJqR{font-size:.75rem;line-height:1.125rem}}.axp-forum-content-list__tile__bgLightGray___1rKgH{background-color:#f6f6f6}.axp-forum-content-list__tile__overflowHidden___dImvV{overflow:hidden}.axp-forum-content-list__tile__label4___3_rdd{font-size:.8125rem;line-height:1.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__label4___3_rdd{font-size:.75rem;line-height:1.125rem}}.axp-forum-content-list__tile__boxShadow0___3WDVH{box-shadow:none}.axp-forum-content-list__tile__anchorFontDarkGray___3Q86C a{color:#333}.axp-forum-content-list__tile__anchorFontWhite___2orc4 a{color:#fff}.axp-forum-content-list__tile__anchorFontBlack___1WgoZ a{color:#000}.axp-forum-content-list__tile__childDivForceDarkGray___1dgL- div{color:#333 !important}.axp-forum-content-list__tile__anchorFontWeightBold___DA6jL a{font-weight:800 !important}.axp-forum-content-list__tile__fontWhite___2NNKX{color:#fff}.axp-forum-content-list__tile__fontWhite___2NNKX div{color:#fff !important}.axp-forum-content-list__tile__fontBlue___17f4y{color:#006fcf !important}.axp-forum-content-list__tile__fontDarkGray___31kE5{color:#333 !important}.axp-forum-content-list__tile__letterSpacing2___23PQ_{letter-spacing:2px}.axp-forum-content-list__tile__preserveWhitespace___2xpfA{white-space:pre-wrap}.axp-forum-content-list__tile__bgBlue___2QoVf{background-color:#006fcf}.axp-forum-content-list__tile__bgTransparent___1vrAa{background:rgba(0,0,0,0)}.axp-forum-content-list__tile__flexGrow1___20Vqf{-ms-flex-positive:1;flex-grow:1}.axp-forum-content-list__tile__flexGrow2___1rK9K{-ms-flex-positive:1;flex-grow:0 !important;display:contents}.axp-forum-content-list__tile__cardTopImg___3Bn-q{padding-top:56.25%}.axp-forum-content-list__tile__minHeight100___ZXfkl{min-height:100%}@media(min-width: 768px){.axp-forum-content-list__tile__minHeight100MdUp___qBqks{min-height:100%}}@media(max-width: 768px){.axp-forum-content-list__tile__mobilePad4t___2iTKH{padding-top:2.5rem}}.axp-forum-content-list__tile__eventTile___3bKIr{height:245px;padding-left:1rem !important;padding-right:1rem !important;padding-bottom:1rem !important;margin-bottom:-1rem !important}@media(min-width: 768px){.axp-forum-content-list__tile__eventTile___3bKIr{border-right:.5rem solid;border-left:.5rem solid}}.axp-forum-content-list__tile__smallEventTile___2Xa0z{height:245px}@media(min-width: 768px){.axp-forum-content-list__tile__smallEventTile___2Xa0z{border-right:.5rem solid;border-left:.5rem solid}}.axp-forum-content-list__tile__noPaddTop___S1bX4{padding-top:0 !important}.axp-forum-content-list__tile__eventTile___3bKIr:hover .axp-forum-content-list__tile__eventYearText___39LVo,.axp-forum-content-list__tile__smallEventTile___2Xa0z:hover .axp-forum-content-list__tile__eventYearText___39LVo{text-decoration:underline}@media(max-width: 768px){.axp-forum-content-list__tile__eventImageField___RfgIW{display:none}}.axp-forum-content-list__tile__eventImageField___RfgIW div a{position:static !important}@media(min-width: 768px){.axp-forum-content-list__tile__imageAdjustment___AEMEi{height:5.85rem !important}}.axp-forum-content-list__tile__eventThumbnail___PFinc{overflow:hidden;width:100%;padding-top:1rem}.axp-forum-content-list__tile__eventThumbnail___PFinc div div div{border-style:none;vertical-align:middle;text-align:center !important;background-repeat:no-repeat;height:100%;width:auto;object-fit:cover}.axp-forum-content-list__tile__singleEvent___3Zo29{margin-left:-1rem}.axp-forum-content-list__tile__singleEvent___3Zo29 div{margin-bottom:-0.44rem}.axp-forum-content-list__tile__multiEvent___4SARW div div div img{height:auto !important}.axp-forum-content-list__tile__eventYearText___39LVo{color:#00175a !important;font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif !important;font-weight:600 !important;margin-top:-2.5rem !important;font-size:1rem !important;line-height:1.5rem !important}@media(max-width: 768px){.axp-forum-content-list__tile__eventYearText___39LVo{font-size:.938rem !important;line-height:1.313rem !important}}.axp-forum-content-list__tile__dateNumberText___2pz-m{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif !important;font-weight:600 !important;font-size:3.75rem !important;color:#00175a !important;padding-top:1.5rem !important}.axp-forum-content-list__tile__dateMonthText___2ATox{color:#00175a !important;font-family:"BentonSans-Black","BentonSans",Arial,sans-serif !important;font-weight:600 !important;padding-top:1.5rem !important}.axp-forum-content-list__tile__eventTime___1gtCw{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif !important;font-size:.814rem !important;line-height:1.375rem !important;color:#00175a !important;bottom:1rem !important}@media(max-width: 768px){.axp-forum-content-list__tile__eventTime___1gtCw{font-size:.75rem !important;line-height:1.125rem !important}}.axp-forum-content-list__tile__eventTitle___3qFkO{color:#00175a;position:absolute;bottom:2.25rem;font-weight:600 !important;line-height:1.5rem !important;padding-right:1.25rem}.axp-forum-content-list__tile__eventTitle___3qFkO a{color:#00175a}@media(max-width: 768px){.axp-forum-content-list__tile__eventTitle___3qFkO{font-size:1.125rem !important;line-height:1.375rem !important}}.axp-forum-content-list__tile__innerLink___2ADt0{display:block}.axp-forum-content-list__tile__innerLink___2ADt0 img{height:100%;width:100%}.axp-forum-content-list__tile__innerObjectFit___3OlWI img{height:100%;width:auto;object-fit:cover}.axp-forum-content-list__tile__authorPadding___3ej9n{padding-top:.8125rem}.axp-forum-content-list__tile__authorLinkColor___28D9u a{color:#000}.axp-forum-content-list__tile__advertisingTitleSpacing___2ELb-{height:72px !important;margin-top:1.75rem}.axp-forum-content-list__tile__advertisingFlag___1c4CE{display:inline-block;text-transform:uppercase;padding:2px 10px 1px;border-radius:20px;margin-bottom:5px;margin-top:.25rem}.axp-forum-content-list__tile__label4___3_rdd .axp-forum-content-list__tile__advertisingFlag___1c4CE{margin-left:10px}img+.axp-forum-content-list__tile__advertisingFlag___1c4CE,.axp-forum-content-list__tile__lazyLoad___3DtKo+.axp-forum-content-list__tile__advertisingFlag___1c4CE{position:absolute;bottom:0;right:0;padding:4px 15px;border-radius:0;margin-bottom:0}.axp-forum-content-list__tile__defaultAdText___3TwvA{font-size:.75rem;font-weight:500}.axp-forum-content-list__tile__listItemBorderTop___1jdLY:nth-of-type(1){border-top:1px solid #00175a}.axp-forum-content-list__tile__listItemBorderBottom___3UrWK{border-bottom:1px solid #c8c9c7}.axp-forum-content-list__tile__listItemBorderBottom___3UrWK:last-child{border-bottom:none}.axp-forum-content-list__tile__listItem___371Ml:last-of-type .axp-forum-content-list__tile__listItemBorderBottom___3UrWK{border-bottom:none}.axp-forum-content-list__tile__iconPlacementWrap___bwvnh{position:absolute;display:inline-block;bottom:0}.axp-forum-content-list__tile__iconPlacementWrap___bwvnh svg{overflow:initial !important;position:absolute;bottom:0;left:0}.axp-forum-content-list__tile__iconSvgAlign___EiXDq{display:block;max-width:100%;height:auto;transform:translate(0.688rem, -0.75rem)}@media all and (-ms-high-contrast: none){*::-ms-backdrop{padding-top:1.875rem !important}:root .axp-forum-content-list__tile__ieHeightAuto___32MHD{height:auto}}@media(min-width: 768px){.axp-forum-content-list__tile__customColmd___34Zzr{-ms-flex:0 0 49%;flex:0 0 49% !important;max-width:49%}}.axp-forum-content-list__tile__fontWeight500___205AQ{font-weight:500 !important}.axp-forum-content-list__tile__customRightBorder___1dlPp{border-right:1px solid #fff !important;padding-right:.225rem !important}.axp-forum-content-list__tile__whiteUnderline___2WJL1{border-bottom:2px solid #fff}.axp-forum-content-list__tile__largeVideoTitle___3sQwm{font-family:"BentonSans-Black","BentonSans";font-weight:600;font-size:2rem;line-height:2.375rem}@media(max-width: 768px){.axp-forum-content-list__tile__largeVideoTitle___3sQwm{font-size:1.625rem;line-height:1.875rem}}.axp-forum-content-list__tile__largeVideoDate___1C-z8{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif;font-size:.8125rem !important}.axp-forum-content-list__tile__subTopicUnderlineColor___1GXY-{border-bottom:2px solid #c8c9c7}.axp-forum-content-list__tile__minHeight325___2kxME{min-height:3.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__flexDirectionColumnMobile___s-ApQ{flex-direction:column !important}}@media(max-width: 768px){.axp-forum-content-list__tile__flexOrder2Mobile___TeLUg{-ms-flex-order:2;order:2}}@media(max-width: 768px){.axp-forum-content-list__tile__flexBasisAutoMobile___IR-Zk{flex-basis:auto}}.axp-forum-content-list__tile__fontweight300___2cBQR{font-weight:300}.axp-forum-content-list__tile__topicTitle___3z6Zx{font-family:"BentonSans-Black","BentonSans",Helvetica,sans-serif;font-weight:600;font-size:1.5rem;line-height:1.813rem;height:5rem;border-bottom:2px solid #00175a;padding-bottom:1.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__topicTitle___3z6Zx{font-size:1.5rem;line-height:1.5rem;height:auto}}@media(max-width: 375px){.axp-forum-content-list__tile__topicTitle___3z6Zx{font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif;font-size:1.125rem}}.axp-forum-content-list__tile__lessonTitle___3C0pK{color:#333;font-family:"BentonSans-Black","BentonSans","Helvetica","sans-serif";font-weight:900;font-size:1.25rem;width:18.75rem;height:1.5rem;line-height:1.5rem}.axp-forum-content-list__tile__lessonTitle___3C0pK a div{color:#000}@media(max-width: 768px){.axp-forum-content-list__tile__lessonTitle___3C0pK{font-size:1.125rem;line-height:1.375rem;height:1.375rem}}.axp-forum-content-list__tile__lessonAuthor___lfoZt{display:grid;width:18.75rem;height:1.375rem;font-family:"Helvetica Neue","Helvetica","sans-serif";font-size:.813rem;line-height:1.375rem;text-transform:capitalize}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-content-list__tile__lessonAuthor___lfoZt{padding-top:1rem}}@media(max-width: 768px){.axp-forum-content-list__tile__lessonAuthor___lfoZt{font-size:.75rem;line-height:1.375rem;height:1.375rem;padding-top:.5rem}}.axp-forum-content-list__tile__lessonReadTime___2ud_P{width:6.875rem;height:1.375rem;font-family:"Helvetica Neue","Helvetica","sans-serif";size:.813rem;line-height:1.375rem;margin-top:-1rem !important}@media(max-width: 768px){.axp-forum-content-list__tile__lessonReadTime___2ud_P{font-size:.75rem;line-height:1.375rem;height:1.375rem}}.axp-forum-content-list__tile__lessonSummary___1hEzx{font-family:"Helvetica Neue","Helvetica","sans-serif";font-style:normal;font-size:1rem;line-height:1.5;padding-top:50px}@media(max-width: 768px){.axp-forum-content-list__tile__lessonSummary___1hEzx{font-size:.875rem;font-style:normal;line-height:1.313rem;padding-top:1rem}}.axp-forum-content-list__tile__lessonCta___1nZhf{height:1rem;font-family:"HelveticaNeue-Bold","Helvetica Neue","Arial","Helvetica","sans-serif";font-size:1rem;line-height:1rem}@media(max-width: 768px){.axp-forum-content-list__tile__lessonCta___1nZhf{font-size:.938rem;line-height:1.063rem;height:1.063rem}}.axp-forum-content-list__tile__timeicon___2Sb2w{padding-top:.25rem;width:1.25rem;height:1.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__timeicon___2Sb2w{height:1.125rem;width:1.125rem}}.axp-forum-content-list__tile__timeicon___2Sb2w:before{font-size:1.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__timeicon___2Sb2w:before{font-size:1.125rem}}.axp-forum-content-list__tile__positionAdjustor___WHUgU{margin-bottom:.313rem}.axp-forum-content-list__tile__defaultCursor___3dJRW{cursor:default !important}.axp-forum-content-list__tile__timeWrapper___jsh3D{width:80%;margin:auto;flex:10}@media(max-width: 768px){.axp-forum-content-list__tile__timeWrapper___jsh3D{margin-top:-1.5rem}}.axp-forum-content-list__tile__lessonWrapper___x8_uV{width:60%;margin-left:auto;margin-top:-5.85rem;flex:10}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-content-list__tile__lessonWrapper___x8_uV{flex:7;width:100%}}@media(max-width: 768px){.axp-forum-content-list__tile__lessonWrapper___x8_uV{margin-top:0rem;width:100%;flex:1}}.axp-forum-content-list__tile__miniGridTitle___3a6rw a{color:#000}.axp-forum-content-list__tile__miniGridHeight___mpiCh{min-height:8.125rem}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(1){border-bottom:1px solid;border-color:#c8c9c7;padding-bottom:.625rem !important}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(2){border-bottom:1px solid;border-color:#c8c9c7;padding-bottom:.625rem !important}.axp-forum-content-list__tile__miniGridSq2___2LwLb:nth-child(2){border-right:0px !important}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(3){padding-top:.625rem !important}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(4){padding-top:.625rem !important}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(odd){border-right:1px solid;border-color:#c8c9c7;padding-left:0 !important}.axp-forum-content-list__tile__miniGridBtn___5axFd{margin-top:.625rem}.axp-forum-content-list__tile__miniGridBtn___5axFd div a{color:#006fcf;font-weight:600;font-size:1rem;font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif}@media(max-width: 768px){.axp-forum-content-list__tile__miniGridBtn___5axFd div a{font-size:.938rem}}.axp-forum-content-list__tile__whiteSquare___2kppL{height:1.25rem;width:1.25rem;top:7.5rem;left:50%}.axp-forum-content-list__tile__topicFont___2ch_E div{font-family:"BentonSans-Bold","BentonSans",Helvetica,sans-serif;font-size:1rem !important;margin-bottom:0rem !important}.axp-forum-content-list__tile__authorSpacer___2JpIL{padding-left:.25rem;padding-right:.25rem}.axp-forum-content-list__tile__topHeroTitle___3T2Jd{min-height:6.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__topHeroTitle___3T2Jd{padding-left:6px;padding-right:46px;padding-top:15px}}.axp-forum-content-list__tile__displayFix___2hn4K a{display:block !important}.axp-forum-content-list__tile__landscapeAuthor___18YXy{font-family:Helvetica Neue,Helvetica,sans-serif;min-height:3.25rem;font-size:.8125rem;line-height:1.25rem;margin-bottom:.75rem}.axp-forum-content-list__tile__topicTextFont___3IhfO a div{text-transform:uppercase;font-family:"BentonSans-Bold","BentonSans",Helvetica,sans-serif;font-weight:600;font-size:1rem !important;line-height:1.375rem}@media(max-width: 768px){.axp-forum-content-list__tile__topicTextFont___3IhfO a div{font-size:.875rem;line-height:1.25rem}}.axp-forum-content-list__tile__negTopMargin___2jluw{margin-top:-0.625rem}@media(min-width: 1024px){.axp-forum-content-list__tile__maxSectionWidth___2X0WE{max-width:11rem}} .axp-forum-content-list__playlist__imgPadding___3hJ3Z{object-fit:cover;height:5.3125rem !important;max-width:6.68rem !important}.axp-forum-content-list__playlist__listItemHeight___1w8aw{height:5.3125rem}.axp-forum-content-list__playlist__oneLineTruncationWithReadTime___I2jQe{display:-webkit-box;-webkit-line-clamp:1;-webkit-box-orient:vertical;overflow:hidden;width:auto;max-width:110px;max-height:18px;padding-right:3px}.axp-forum-content-list__playlist__oneLineTruncationWithoutReadTime___30bdJ{display:-webkit-box;-webkit-line-clamp:1;-webkit-box-orient:vertical;overflow:hidden;width:185px;max-height:18px}.axp-forum-content-list__playlist__allowSpace___2vPJl{display:-webkit-box}.axp-forum-content-list__playlist__threeLinesTruncation___-3qa1{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;max-height:3.3rem}.axp-forum-content-list__playlist__titleStyle___22kP1{text-transform:capitalize !important;margin-bottom:12px !important;color:#006fcf !important}@media all and (-ms-high-contrast: none){*::-ms-backdrop,.axp-forum-content-list__playlist__authorDisplay___2vOwK{display:inline-flex !important}.axp-forum-content-list__playlist__titleStyle___22kP1{display:flex !important}} .axp-forum-content-list__FullBleed__videoWrapper___ssYB6{padding-bottom:56.25%}.axp-forum-content-list__FullBleed__topicFontOverrides___2NdmM{font-family:"BentonSans-Bold","BentonSans";font-weight:600;font-size:.875rem;line-height:1.25rem}@media(min-width: 768px){.axp-forum-content-list__FullBleed__topicFontOverrides___2NdmM{font-size:1rem;line-height:1.375rem}}.axp-forum-content-list__FullBleed__titleFontOverrides___2-6h4{font-family:"BentonSans-Black","BentonSans";font-weight:600;font-size:1.63rem;line-height:1.88rem}@media(min-width: 768px){.axp-forum-content-list__FullBleed__titleFontOverrides___2-6h4{font-size:2rem;line-height:2.375rem}}.axp-forum-content-list__FullBleed__teaserFontOverrides___2Z819{font-weight:normal}@media(max-width: 767px){.axp-forum-content-list__FullBleed__teaserFontOverrides___2Z819{font-size:.875rem;line-height:1.32rem}}.axp-forum-content-list__FullBleed__textOverlayFontOverrides___37IaC{font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;text-transform:uppercase;background-color:#00175a;line-height:1.75rem;font-size:1.375rem;padding-left:3px;padding-right:3px;height:1.75rem;font-weight:600}@media screen and (min-width: 767px){.axp-forum-content-list__FullBleed__textOverlayFontOverrides___37IaC{line-height:2.125rem;font-size:1.75rem;height:2.125rem}}.axp-forum-content-list__FullBleed__textOverlayImagePosition___3G8HI{top:0;left:0;z-index:2}.axp-forum-content-list__FullBleed__textOverlayVideoPosition___VWl71{bottom:0;right:0;z-index:2}.axp-forum-content-list__FullBleed__videoBorder___3TMY7{border-width:0px} .axp-forum-content-list__tag__btnOval___Ge_0b{border-radius:32px}.axp-forum-content-list__tag__removeBorderRadius___bTRxN{border-radius:0}.axp-forum-content-list__tag__largeButtonSize___2n6zx{padding-top:1.4rem;padding-bottom:1.4rem;min-width:9rem;width:9.3rem;padding-left:.5rem;padding-right:.5rem}@media(min-width: 500px){.axp-forum-content-list__tag__largeButtonSize___2n6zx{width:11.5rem;padding-left:1.875rem;padding-right:1.875rem}}@media(min-width: 880px){.axp-forum-content-list__tag__largeButtonSize___2n6zx{width:16rem}}.axp-forum-content-list__tag__largeButtonFont___1QP8Y{letter-spacing:2px;font-size:12px}@media(min-width: 880px){.axp-forum-content-list__tag__largeButtonFont___1QP8Y{letter-spacing:2.1px;font-size:15px}}.axp-forum-content-list__tag__textOverflowWrap___1o6gv{white-space:normal;overflow-wrap:break-word}.axp-forum-content-list__tag__responsiveMargin___5b3aT{margin-right:1.25rem}@media(min-width: 768px){.axp-forum-content-list__tag__responsiveMargin___5b3aT{margin-right:1.875rem}}.axp-forum-content-list__tag__smallButtonSize___2S_5P{padding:12px 25px}.axp-forum-content-list__tag__smallButtonFont___fRCiS{letter-spacing:2px;font-size:15px}.axp-forum-content-list__tag__textLink___FRANb::after{content:">";position:absolute;right:-0.8em;top:50%;transform:translateY(-50%)}.axp-forum-content-list__tag__topicFonts___D2-12{font-family:"BentonSans-Bold","BentonSans";font-size:1rem;line-height:1.375rem;width:230px}.axp-forum-content-list__tag__topicLink___HNoc5{content:"";position:absolute;right:.1rem} .axp-forum-content-list__tab__tabContent___1FPEQ{margin-left:-10px;margin-right:-10px}@media(min-width: 768px){.axp-forum-content-list__tab__tabContent___1FPEQ{margin-left:20px;margin-right:-10px}}</style><style class="ssr-css">form .axp-forum-form__LeadForm__winnieThePooh___33K_E{display:none !important}.axp-forum-form__LeadForm__leadFormWrapper___W_7mt .axp-forum-form__LeadForm__leadFormLink___3GvPH{color:#fff}.axp-forum-form__LeadForm__leadFormWrapper___W_7mt .axp-forum-form__LeadForm__leadFormLink___3GvPH:hover{color:#fff}@media only screen and (min-width: 768px){.axp-forum-form__LeadForm__leadFormWrapper___W_7mt .axp-forum-form__LeadForm__leadFormInfo___2Q8OS{height:100%}}</style><style class="ssr-css">.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{-ms-flex:0 0 41.6666666667%;flex:0 0 41.6666666667%;max-width:41.6666666667%;display:inline;position:relative;margin-top:1.875rem;margin-bottom:3.75rem;margin-right:20%;font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;text-transform:uppercase;background-color:#006fcf;box-shadow:.5rem 0 0 1px #006fcf,-0.5rem 0 0 1px #006fcf;color:#fff;line-height:1.75rem;font-size:1.375rem;font-weight:600}@supports(-moz-appearance: none){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{box-shadow:none}}@media screen and (min-width: 767px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{line-height:2.125rem;font-size:1.75rem}}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote::before{content:" ";display:inline-block;margin-top:2.75rem}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote a{color:#fff;text-decoration:underline}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote a:hover{text-decoration:none !important}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote+p{margin-top:28px;margin-bottom:10px}@media(max-width: 768px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote+p{margin-top:19.5px;margin-bottom:5px}}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote+p i{display:block;position:relative;font-weight:normal;text-decoration:none;padding-bottom:10px;font-style:normal;color:#00175a;font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-size:1rem;line-height:1.5rem;text-transform:uppercase}@media(max-width: 768px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote+p i{font-size:.875rem;line-height:1.313rem}}@media(min-width: 1680px)and (max-width: 2560px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}}@media(min-width: 1440px)and (max-width: 1679px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}}@media(min-width: 1366px)and (max-width: 1439px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}}@media(min-width: 1024px)and (max-width: 1365px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}} .axp-forum-editorial-body__editorial__lessonsNameNavigation___37RVx{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-size:.8125rem;line-height:1.375rem}.axp-forum-editorial-body__editorial__bentonSansBoldFont___36W5J{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-editorial-body__editorial__bentonSansBoldFont___36W5J{font-size:.875rem;line-height:1.25rem}}.axp-forum-editorial-body__editorial__postContent___2LwVN{color:#333}.axp-forum-editorial-body__editorial__postContent___2LwVN p{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-size:1rem;font-weight:400;line-height:1.5rem;margin-bottom:15px}.axp-forum-editorial-body__editorial__postContent___2LwVN h2{font-family:BentonSans,"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:600;font-size:1.875rem;line-height:2.375rem;margin:20px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN h3{font-family:BentonSans,"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:600;font-size:1.25rem;line-height:1.75rem;margin:20px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN h4{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:500;font-size:1rem;line-height:1.5rem;margin:20px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN h5{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:500;font-size:.9375rem;line-height:1.375rem;margin:20px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN h5 em,.axp-forum-editorial-body__editorial__postContent___2LwVN h6 em{font-weight:500;font-style:normal}.axp-forum-editorial-body__editorial__postContent___2LwVN h6{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:500;font-size:.8125rem;line-height:1.125rem;text-transform:uppercase}.axp-forum-editorial-body__editorial__postContent___2LwVN ol,.axp-forum-editorial-body__editorial__postContent___2LwVN ul{margin-bottom:20px}.axp-forum-editorial-body__editorial__postContent___2LwVN img{width:100%;margin:30px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote{-ms-flex:0 0 41.6666666667%;flex:0 0 41.6666666667%;max-width:41.6666666667%;display:inline;position:relative;margin-top:1.875rem;margin-bottom:3.75rem;margin-right:20%;font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;text-transform:uppercase;background-color:#006fcf;box-shadow:.5rem 0 0 1px #006fcf,-0.5rem 0 0 1px #006fcf;color:#fff;line-height:1.75rem;font-size:1.375rem;font-weight:600}@supports(-moz-appearance: none){.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote{box-shadow:none}}@media screen and (min-width: 767px){.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote{line-height:2.125rem;font-size:1.75rem}}.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote::before{content:" ";display:inline-block;margin-top:2.75rem}.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote+p{margin-top:28px;margin-bottom:10px}@media(max-width: 768px){.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote+p{margin-top:19.5px;margin-bottom:5px}}@media(max-width: 1024px){.axp-forum-editorial-body__editorial__mobilePadding___25xyD{padding-left:9px}}.axp-forum-editorial-body__editorial__infographicWrapper___RbtDp{margin-bottom:10px}.axp-forum-editorial-body__editorial__infographicWrapper___RbtDp img{width:100%;height:auto}@media(min-width: 768px){.axp-forum-editorial-body__editorial__postBodyPadding___2aORD{padding-right:50px !important}}.axp-forum-editorial-body__editorial__collapsibleContentWidth___2P-4g{width:100% !important}@media(min-width: 1680px)and (max-width: 2560px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:805px;margin-right:0%}}.axp-forum-editorial-body__editorial__lessonFont___3jpWy{font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif;font-weight:700;font-size:1rem;line-height:1rem}@media(max-width: 375px){.axp-forum-editorial-body__editorial__lessonFont___3jpWy{font-size:.9375rem;line-height:1.063rem}}@media(min-width: 1440px)and (max-width: 1679px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:733px;margin-right:0%}}@media(min-width: 1366px)and (max-width: 1439px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:665px;margin-right:0%}}@media(min-width: 1024px)and (max-width: 1365px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px;margin-right:20px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:595px;margin-left:1%;margin-right:0%}}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:625px;margin-right:0%}}@media(min-width: 1024px)and (max-width: 1365px){.axp-forum-editorial-body__editorial__removeOffset___nV2P5{margin-left:8% !important}}*::-ms-backdrop{margin-top:2%;width:339px}@media(min-width: 1921px)and (max-width: 2560px){*::-ms-backdrop{left:70%}}@media(min-width: 1440px)and (max-width: 1920px){*::-ms-backdrop{left:76%}}@media(min-width: 1366px)and (max-width: 1439px){*::-ms-backdrop{left:74%}}@media(min-width: 1024px)and (max-width: 1365px){*::-ms-backdrop{left:69%;width:305px !important}}@media(max-width: 1023px){*::-ms-backdrop{display:none}}@media(min-width: 769px)and (max-width: 2560px){*::-ms-backdrop,.axp-forum-editorial-body__editorial__flexItemGrowDesktop___34Tui{flex:auto !important}}@media(max-width: 768px){.axp-forum-editorial-body__editorial__tableOfContents___1M2PP{padding-top:0px !important}}@media(min-width: 768px){.axp-forum-editorial-body__editorial__tableOfContents___1M2PP{background-color:#006fcf;color:#fff}}.axp-forum-editorial-body__editorial__expanderTitle___1w4kd{color:#000 !important;font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;font-weight:600;line-height:1.5rem}@media(max-width: 767px){.axp-forum-editorial-body__editorial__expanderTitle___1w4kd{line-height:1.375rem;font-size:1.125rem}}.axp-forum-editorial-body__editorial__lessonBodyFont___3cg1-{font-size:1rem;line-height:1.5rem}@media(max-width: 767px){.axp-forum-editorial-body__editorial__lessonBodyFont___3cg1-{font-size:.875rem;line-height:1.313rem}}@media(min-width: 768px){.axp-forum-editorial-body__editorial__lessonBodyPadding___HlMte{width:56.33%}}.axp-forum-editorial-body__editorial__collapsibleContentTopPadding___2-zFW{height:0;padding-top:5px}@media(min-width: 768px){.axp-forum-editorial-body__editorial__collapsibleContentTopPadding___2-zFW{padding-top:15px}}.axp-forum-editorial-body__editorial__authorInfoWrap___jjpcA div>div>div:nth-of-type(2){margin-top:-10px}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorInfoWrap___jjpcA div>div>div>div:first-of-type{width:3.2rem !important}}.axp-forum-editorial-body__editorial__authorInfoWrap___jjpcA p:first-of-type{font-size:1rem}.axp-forum-editorial-body__editorial__authorInfoWrap___jjpcA p:nth-of-type(2){text-overflow:ellipsis;overflow:hidden;white-space:nowrap}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorDefault___7VM3g div>div>div:first-of-type{width:auto !important}}.axp-forum-editorial-body__editorial__authorDefault___7VM3g div>div>div:nth-of-type(2){margin-top:-10px;width:calc(100% - 70px)}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorDefault___7VM3g div>div>div>div:first-of-type{width:3.2rem !important}}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorDefault___7VM3g div>p:nth-of-type(2){font-size:.75rem;text-overflow:ellipsis;overflow:hidden;white-space:nowrap}}@media(min-width: 769px){.axp-forum-editorial-body__editorial__authorProfile___1o-Zb{margin-top:-12px !important;font-size:.8125rem}}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorProfile___1o-Zb{margin-left:3.7rem;margin-top:-0.7rem;font-size:.75rem}}.axp-forum-editorial-body__editorial__smallPadLr___1Qw4P{padding-left:8px !important;padding-right:8px !important}@media(max-width: 335px){.axp-forum-editorial-body__editorial__previousLesson___2Bo6J{margin-left:20px;margin-top:-30px}.axp-forum-editorial-body__editorial__nextLesson___2KL71{margin-right:20px;margin-top:-3px}.axp-forum-editorial-body__editorial__nextLink___1fAqo{margin-top:-45px}}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-editorial-body__editorial__hideNavigation___zPMEw{display:none}}.axp-forum-editorial-body__editorial__accountForHeading___kDDcq{transform:translateY(-60px)} @media(min-width: 1024px){.axp-forum-editorial-body__tableOfContents__tableOfContents___36tOq{color:#fff !important}}.axp-forum-editorial-body__tableOfContents__tableOfContentsTile___3mMmh:hover{text-decoration:underline}.axp-forum-editorial-body__tableOfContents__tableOfContentsTile___3mMmh{cursor:pointer;font-weight:400 !important}@media(min-width: 1024px){.axp-forum-editorial-body__tableOfContents__tableOfContentsTile___3mMmh{color:#fff !important}}@media(max-width: 1023px){.axp-forum-editorial-body__tableOfContents__tableOfContentsTile___3mMmh{color:#333 !important}}.axp-forum-editorial-body__tableOfContents__contentsHeadingFont___2ZP8A{font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif;font-weight:600;font-size:1rem;line-height:1.375rem} @supports(-moz-appearance: none){.secondary-content-wrapper .text{box-shadow:none}}</style><style class="ssr-css">@media(min-width: 1024px)and (max-width: 1366px){.axp-forum-editorial-container__EditorialContainer__removeOffset___3nG6_{margin-left:8% !important}}.axp-forum-editorial-container__EditorialContainer__digDeeperCustomTitle___1LeS7{font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;font-weight:600;font-size:2.5rem;line-height:3rem;border-color:#00175a}@media(max-width: 768px){.axp-forum-editorial-container__EditorialContainer__digDeeperCustomTitle___1LeS7{font-size:1.875rem;line-height:2.125rem}}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy{border-right:1px solid #00175a}@media screen and (max-width: 768px){.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy{border-right:none}}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy span{text-transform:uppercase;font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;font-weight:600;font-size:1.25rem;line-height:1.5rem;height:3rem;padding-left:20px !important;padding-right:20px !important}@media screen and (max-width: 768px){.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy span{font-size:1.125rem;line-height:1.375rem;padding-left:0 !important;padding-right:0 !important;height:auto;padding-bottom:8px}}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy:first-of-type span{padding-left:0 !important}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy:last-of-type{border-right:none}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy:last-of-type span{padding-right:0 !important}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy span::after{content:"" !important}.axp-forum-editorial-container__EditorialContainer__digDeeperContainerOverrides___25Gqr{display:grid;grid-auto-flow:column;grid-auto-columns:1fr}@media screen and (max-width: 768px){.axp-forum-editorial-container__EditorialContainer__digDeeperContainerOverrides___25Gqr{display:block}}@media screen and (min-width: 1290px){.axp-forum-editorial-container__EditorialContainer__digDeeperCustomPadding___vBHkZ{padding-left:0;padding-right:0}}.axp-forum-editorial-container__EditorialContainer__tagWrapperOverrides___3ga3u{max-width:none !important;display:block !important}.axp-forum-editorial-container__EditorialContainer__editorialWrapper___142Yl{max-width:1280px !important}.axp-forum-editorial-container__EditorialContainer__trendingContentHeader___3Gh2c{font-family:"BentonSans-Black","BentonSans";font-weight:600;font-size:1.875rem;line-height:2.125rem}@media(min-width: 768px){.axp-forum-editorial-container__EditorialContainer__trendingContentHeader___3Gh2c{font-size:2.5rem;line-height:3rem}}.axp-forum-editorial-container__EditorialContainer__whiteUnderline___2NKKp{border-bottom:1px solid #fff}.axp-forum-editorial-container__EditorialContainer__simpleText___3k46m{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-weight:300;font-size:.813rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialContainer__simpleText___3k46m{font-size:.75rem;line-height:1.125rem}}iframe{width:100%}@media(max-width: 767px){iframe{height:54.25vw}}@media(min-width: 768px)and (max-width: 875px){iframe{height:41.25vw}}@media(min-width: 876px)and (max-width: 1023px){iframe{height:42.25vw}}@media(min-width: 1024px){iframe{height:16pc}} .axp-forum-editorial-container__LeftRail__leftRailTitleSection___1jo9m{font-family:"BentonSans-Bold","BentonSans";font-weight:900 !important;font-size:1.25rem;line-height:1.5rem}.axp-forum-editorial-container__LeftRail__relatedContentList____fO8K{width:90%}.axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo{height:22px}.axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS{margin-top:2px;height:22px}.axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2{vertical-align:bottom;height:12px}.axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB{height:98px;float:none;border-top:#8e9092 1px solid;width:90%}.axp-forum-editorial-container__LeftRail__customGap___21q7i{gap:60px}.axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60{color:rgba(0,0,0,0)}.axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60 ::selection{background:rgba(0,0,0,0)}.axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60 ::-moz-selection{background:rgba(0,0,0,0)}.axp-forum-editorial-container__LeftRail__relatedMinHeight___1FVHL{min-height:350px} .axp-forum-editorial-container__EditorialHeader__lessonTitleFont___2SFRA{font-family:"BentonSans-Black","BentonSans",Arial,sans-serif;font-weight:600;font-size:2rem;line-height:2.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__lessonTitleFont___2SFRA{font-size:1.625rem;line-height:1.875rem}}.axp-forum-editorial-container__EditorialHeader__inSessionFont___1S1Ut{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__inSessionFont___1S1Ut{font-size:.875rem;line-height:1.25rem}}.axp-forum-editorial-container__EditorialHeader__trackTitleFont___1TgRz{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif;font-size:1rem;line-height:1.5rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__trackTitleFont___1TgRz{font-size:.875rem;line-height:1.313rem}}.axp-forum-editorial-container__EditorialHeader__lessonNumberFont___KpHQE{font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif;font-weight:600;font-size:1rem;line-height:1rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__lessonNumberFont___KpHQE{font-size:.938rem}}.axp-forum-editorial-container__EditorialHeader__lessonHeaderHeight___17rQB{height:400px}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-editorial-container__EditorialHeader__lessonHeaderHeight___17rQB{height:300px}}@media screen and (max-width: 767px){.axp-forum-editorial-container__EditorialHeader__lessonHeaderHeight___17rQB{height:auto;flex-direction:column-reverse !important}}.axp-forum-editorial-container__EditorialHeader__lessonHeaderImage___oHfaG{object-fit:cover;max-width:fit-content}.axp-forum-editorial-container__EditorialHeader__editorialHeader___2AnA8{margin-left:-3px !important}@media screen and (max-width: 768px){.axp-forum-editorial-container__EditorialHeader__editorialHeader___2AnA8{font-size:1.875rem;line-height:2.375rem}}.axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9{font-family:"BentonSans-Black","Helvetica Neue","Helvetica","sans-serif";font-weight:300;font-size:1.875rem;line-height:2.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9{font-size:1.625rem;line-height:1.875rem}}.axp-forum-editorial-container__EditorialHeader__episodeTitle___2pI3c{color:#333;font-weight:500}.axp-forum-editorial-container__EditorialHeader__attribution___2SHdY{color:#333;font-size:.8125rem;text-transform:capitalize;margin-top:10px}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx{background:rgba(0,0,0,0)}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX{display:block}.axp-forum-editorial-container__EditorialHeader__fullBleedImageContainer___1Mdhm .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{background-position:right center;background-size:cover;background-repeat:no-repeat;height:230px}.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74{position:relative;max-width:38.75rem;max-height:21.875rem;width:38.75rem;height:21.875rem}@media(min-width: 1440px){.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74{max-width:45.75rem;max-height:24.875rem;width:45.75rem;height:24.875rem}}@media(min-width: 415px)and (max-width: 1023px){.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74{max-width:29.625rem;max-height:16.688rem;width:auto;height:16.688rem}}@media(max-width: 414px){.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74{max-width:21.875rem;max-height:12.25rem;width:auto;height:12.25rem}}.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74 iframe{position:absolute;top:0;left:0;width:100%;height:100%}.axp-forum-editorial-container__EditorialHeader__videoPlayer___ytjCc{border-width:0px}.axp-forum-editorial-container__EditorialHeader__msnbcWrapper___2PcVe{display:none}.axp-forum-editorial-container__EditorialHeader__flag___rrbmZ{padding:6px 18px;border-radius:20px;margin-right:10px}@media only screen and (max-width: 768px){.axp-forum-editorial-container__EditorialHeader__paddingZeroLeftRightSmDown___PfP-6{padding-right:0;padding-left:0}}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2{z-index:3}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 a{color:#006fcf}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 b{font-weight:800}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 p,.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 li{font-size:16px;line-height:24px}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 p{margin-bottom:.625em !important}.axp-forum-editorial-container__EditorialHeader__fullBleedImageContainer___1Mdhm .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{object-fit:cover}@media only screen and (min-width: 768px){.axp-forum-editorial-container__EditorialHeader__msnbcWrapper___2PcVe{display:block;height:100px;width:96%;background:linear-gradient(to bottom, #3A526E, #20303F);padding:1.6rem 0 0}.axp-forum-editorial-container__EditorialHeader__msnbcWrapper___2PcVe .axp-forum-editorial-container__EditorialHeader__msnbcLogo___2AUlC{width:100%}.axp-forum-editorial-container__EditorialHeader__fullBleedImageContainer___1Mdhm .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{height:309px}.axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{max-width:29.625rem;max-height:16.688rem;width:29.625rem;height:16.688rem;background-position:center;background-size:cover;background-repeat:no-repeat}}@media only screen and (max-width: 1024px){.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 ul{padding-left:15px}}@media only screen and (min-width: 1024px){.axp-forum-editorial-container__EditorialHeader__msnbcWrapper___2PcVe{padding:1.25rem 0 0;margin-bottom:20px;width:94%}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX{display:block}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{max-width:38.75rem;max-height:21.875rem;width:38.75rem;height:21.875rem;background-position:center;background-size:cover;background-repeat:no-repeat}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX img{width:100%;height:auto;object-fit:cover}.axp-forum-editorial-container__EditorialHeader__marginLeftZeroLg___3MCWu{margin-left:0}}@media(min-width: 1440px){.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX{display:block}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{max-width:45.75rem;max-height:24.875rem;width:45.75rem;height:24.875rem;background-position:center;background-size:cover;background-repeat:no-repeat}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX img{width:100%;height:auto;object-fit:cover}}@media all and (-ms-high-contrast: none){*::-ms-backdrop{width:100% !important}}.axp-forum-editorial-container__EditorialHeader__eyebrow___1CwbE{scrollbar-width:none;-ms-overflow-style:none}.axp-forum-editorial-container__EditorialHeader__eyebrow___1CwbE::-webkit-scrollbar{width:0px;background:rgba(0,0,0,0)}.axp-forum-editorial-container__EditorialHeader__keywordLabel___1gVvW{padding-left:.25rem;padding-right:.25rem;margin-left:.5rem}.axp-forum-editorial-container__EditorialHeader__keywordLabel___1gVvW:first-child{margin-left:0rem}.axp-forum-editorial-container__EditorialHeader__eyebrowText___2A01a{color:#006fcf;font-family:“BentonSans-Bold”,“BentonSans”,Arial,Helvetica,sans-serif;font-weight:600;font-size:1.25rem;line-height:1.5rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__eyebrowText___2A01a{font-size:1.125rem;line-height:1.375rem}}.axp-forum-editorial-container__EditorialHeader__simpleText___S8Pkr{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-weight:300;font-size:.813rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__simpleText___S8Pkr{font-size:.75rem;line-height:1.125rem}}.axp-forum-editorial-container__EditorialHeader__textOverlayFontOverrides___3jeD_{font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;text-transform:uppercase;background-color:#00175a;line-height:1.75rem;font-size:1.375rem;height:1.75rem;font-weight:600;max-width:fit-content}@media screen and (min-width: 767px){.axp-forum-editorial-container__EditorialHeader__textOverlayFontOverrides___3jeD_{line-height:2.125rem;font-size:1.75rem;height:2.125rem}}.axp-forum-editorial-container__EditorialHeader__summaryText___176Hi{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-weight:600;font-size:1rem;line-height:1.375rem;color:#006fcf}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__summaryText___176Hi{font-size:.875rem;line-height:1.25rem}}.axp-forum-editorial-container__EditorialHeader__blueUnderline___1KIUu{padding-bottom:1.25rem !important;border-bottom:1px solid #00175a}.axp-forum-editorial-container__EditorialHeader__authorDetails___1SPJY{font-size:1rem;line-height:1rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__authorDetails___1SPJY{font-size:.875rem;line-height:1.25rem}}.axp-forum-editorial-container__EditorialHeader__socialShareTools___2ta4Y{left:100%;top:-5%}@media(min-width: 768px){.axp-forum-editorial-container__EditorialHeader__socialShareTools___2ta4Y{position:absolute !important}}.axp-forum-editorial-container__EditorialHeader__socialShareToolsVideo___3MVcV{margin-top:-2rem}.axp-forum-editorial-container__EditorialHeader__advertisingText___w4HuK{line-height:18px;color:#333;display:block}</style><style id="500de00780add32b6ff730789419e066f91967e8f9dd6f38d02397dc4f0fc477" data-ssr="true">.container{max-width:1240px}.blueUnderline{border-bottom:1px solid #00175a}.darkBlueUnderline{border-bottom:2px solid #00175a}.darkGrayFontColor{color:#333!important}.zIndex1{z-index:1}.merklePixel{width:0!important}.customHeading1{font-family:BentonSans-Black,BentonSans,Arial,Helvetica,sans-serif;font-size:2.5rem;font-weight:600;line-height:3rem}@media (max-width:768px){.customHeading1{font-size:1.875rem;line-height:2.125rem}}.standardContentMargins p{margin-bottom:.9375rem}.standardContentMargins p iframe{height:450px;width:100%}@media only screen and (max-width:768px){.standardContentMargins p iframe{height:250px}}@media only screen and (max-width:375px){.standardContentMargins p iframe{height:200px}}.standardContentMargins ol,.standardContentMargins ul{margin-bottom:.9375rem}.standardContentMargins div{margin-bottom:.625rem}footer[data-module-name=axp-footer]>hr:first-of-type{display:none!important}.trendingContentHeader{font-family:BentonSans-Black,BentonSans;font-size:1.875rem;font-weight:600;line-height:2.125rem}@media (min-width:768px){.trendingContentHeader{font-size:2.5rem;line-height:3rem}}.whiteUnderline{border-bottom:1px solid #fff}@media (min-width:1366px){.editorialContent p iframe{height:21pc!important}}@media (min-width:1024px) and (max-width:1365px){.editorialContent p iframe{height:20pc!important}}@media (min-width:768px) and (max-width:1023px){.editorialContent p iframe{height:42vw!important}}@media (min-width:626px) and (max-width:767px){.editorialContent p iframe{height:52.25vw!important}}@media (max-width:625px){.editorialContent p iframe{height:50vw!important}}.editorialContent p div{display:inline-block}.editorialContent p ol{margin-bottom:15px!important}.editorialContent p a{text-decoration:underline}.editorialContent ul li div{display:inline-block}._editorialWrapper_1o41p_117{margin:auto!important;max-width:1280px!important}._stickyContainer_1o41p_122{background-color:#f7f8f9;position:-webkit-sticky;position:sticky;text-align:-webkit-center;text-align:-moz-center;top:0;z-index:10}@media (min-width:768px) and (max-width:1023px){._tabletHeaderWidth_1o41p_133{max-width:100%}}._breadcrumb_1o41p_138{scrollbar-width:none;-ms-overflow-style:none}._breadcrumb_1o41p_138 li:last-child{color:#333}._breadcrumb_1o41p_138::-webkit-scrollbar{background:transparent;width:0}@media (min-width:768px){._breadcrumb_1o41p_138{padding-left:.625rem}}</style><style id="41f5a539f3283dd0bfd73abdc30d4d9941fc5f336383d3bc388ba1f24014cadc" data-ssr="true">._featuredHeadingStyles_1n7vr_1{font-size:1rem!important;font-weight:600;line-height:1.375rem}._customLogoStyle_1n7vr_7{max-height:90px}._lgImageWrapper_1n7vr_11{max-height:100px}._customSearchBox_1n7vr_15 input{caret-color:#97999b!important}._customSearch_1n7vr_15{background-color:transparent}._mobilePosition_1n7vr_23{bottom:42px;right:5px}@supports (font:-apple-system-body) and (-webkit-appearance:none){._mobilePosition_1n7vr_23{bottom:40px}}._searchPosition_1n7vr_33{margin-top:-3.5rem}._customSearchBox_1n7vr_15{position:absolute;right:0;top:-5px;z-index:0}._customSearchBox_1n7vr_15 div input{background-color:#f7f8f9;width:300px}@media (min-width:768px) and (max-width:1023px){._customSearchBox_1n7vr_15 div input{width:320px}}@media (min-width:425px) and (max-width:767px){._customSearchBox_1n7vr_15 div input{width:400px}}@media (min-width:321px) and (max-width:424px){._customSearchBox_1n7vr_15 div input{width:350px}}@media (max-width:320px){._customSearchBox_1n7vr_15 div input{width:300px}}._customSearchBox_1n7vr_15 input::placeholder{color:#8e9092!important}._customSearchBox_1n7vr_15 input:-ms-input-placeholder{color:#8e9092!important}._zIndex1_1n7vr_74{z-index:1}@media (max-width:414px){._mobileHeroWidth_1n7vr_79>img,::-ms-backdrop{width:100%!important}._customContainer_1n7vr_82{flex-direction:row-reverse}}._breadCrumb_1n7vr_86{scrollbar-width:none;-ms-overflow-style:none}._breadCrumb_1n7vr_86 li:last-child{color:#333}._breadCrumb_1n7vr_86::-webkit-scrollbar{background:transparent;width:0}._responsiveFeaturedSection_1n7vr_98{display:block!important;font-size:1rem;font-weight:800;line-height:1.2em;margin:0 auto!important;padding-top:0!important}._responsiveFeaturedSection_1n7vr_98 a{margin:0;padding:0;width:100%}._breadcrumbPadding_1n7vr_112{padding-bottom:1rem}._headerPadding_1n7vr_116{margin-bottom:3rem}._customTagPad_1n7vr_120 button{padding-bottom:1.55rem!important;padding-top:1.55rem!important}@media (min-width:768px){._customTagPad_1n7vr_120 button{padding-bottom:1.5rem!important;padding-top:1.5rem!important}}</style> </head> <body class="trends-insights-outer-wrapper axp-forum-root__ForumRoot__removeOverflowHidden___2tyvt"> <div id="root"><div data-module-name="axp-forum-root"><div class="body"><div class="trends-insights-inner-wrapper"><main><div class="forum-wrapper" data-bti-module-name="axp-forum-page-wrapper"><div class="width-full _stickyContainer_1o41p_122"><nav data-module-name="axp-forum-header" aria-label="navigation" class="nav border-b dls-gray-01-bg axp-forum-header__ForumHeader__height60___2jgHC"><a href="#skipSubNavMenu" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl sr-only axp-forum-header__ForumHeader__skip___2w2x2">Skip to content</a><div><div class="dls-bright-blue axp-forum-header__ForumHeader__height60___2jgHC hidden-lg-up flex-justify-between dls-gray-01-bg border-b"><div class="flex axp-forum-header__ForumHeader__height60___2jgHC"><a href="https://www.americanexpress.com/us/credit-cards/business?intlink=bti-global-header-dontdobizwithoutit" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl flex flex-align-center axp-forum-header__ForumHeader__logoMargin___1VANM pad-3-l-md-up"><img class="axp-forum-header__ForumHeader__mobileLogo___23TGC" width="200px" height="23px" src="https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/open_logo_mobile.png" alt="DON&#x27;T do business WITHOUT IT"/></a><div class="flex flex-align-center margin-2-tb margin-2-r margin-auto-l axp-forum-header__ForumHeader__dottedFocus___1pEry" id="menu-toggle" role="button" tabindex="0" aria-label="Open"><div class="axp-forum-header__ForumHeader__iconOverrides___3LGjf icon dls-icon-down"></div></div></div><div class="scroll-y position-absolute width-full hidden-lg-up axp-forum-header__ForumHeader__mobileDropdown___CapBc invisible"><div id="mobile-menu"></div></div></div></div><div><div class="dls-bright-blue axp-forum-header__ForumHeader__height60___2jgHC nav-horizontal nav-large hidden-md-down margin-2-l-md-up margin-1-r-md-up axp-forum-header__ForumHeader__subnavWrapper___C0L3U"><div class="flex axp-forum-header__ForumHeader__height60___2jgHC"><div class="nav-header margin-3-r pad-1-r width-full"><a href="https://www.americanexpress.com/us/credit-cards/business?intlink=bti-global-header-dontdobizwithoutit" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p>Business Services Home</p></a><div class="position-relative dls-gray-01-bg border-b axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__noOutlineOnFocus___3pC5q axp-forum-header__ForumHeader__dropdown___3FAmT"><div tabindex="0" role="button" id="menu-header-1" class="text-wrap dls-bright-blue height-full margin-0 flex flex-align-center axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__subnavText___3I0Fl axp-forum-header__ForumHeader__dottedFocus___1pEry"><h3>Business Cards</h3></div><div class="pad-1-lr pad-2-b text-wrap flex pad-2-t border-lr border-b position-absolute flex-justify-between dls-gray-01-bg axp-forum-header__ForumHeader__panel___2E0nU flex-column"><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-b margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/?intlink=bti-nav-head-businesscards-viewallbusinesscards" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-tb"><p class="width-full">View All Business Cards</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/?intlink=bti-nav-head-businesscards-comparecards" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Compare Cards</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><h4 class="dls-gray-05 text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Corporate Card Programs</h4><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/us/business/corporate-credit-cards/startups/?intlink=bti-nav-head-businesscards-forstartups" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-tb"><p class="width-full">For Startups</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/us/credit-cards/business/corporate-credit-cards/?intlink=bti-nav-head-businesscards-forlargecompanies" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-tb"><p class="width-full">For Large Companies</p></a></li></ul></div></div></div><div class="position-relative dls-gray-01-bg border-b axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__noOutlineOnFocus___3pC5q axp-forum-header__ForumHeader__dropdown___3FAmT"><div tabindex="0" role="button" id="menu-header-2" class="text-wrap dls-bright-blue height-full margin-0 flex flex-align-center axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__subnavText___3I0Fl axp-forum-header__ForumHeader__dottedFocus___1pEry"><h3>Payment Solutions</h3></div><div class="pad-1-lr pad-2-b text-wrap flex pad-2-t border-lr border-b position-absolute flex-justify-between dls-gray-01-bg axp-forum-header__ForumHeader__panel___2E0nU flex-column"><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-b margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/global-pay/?intlink=bti-nav-head-paymentsolutions-internationalpayments" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">International Payments</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/payment-solutions/employee-spending/?intlink=bti-nav-head-paymentsolutions-employeespending" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Employee Spending</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/payment-solutions/vendor-payments/?intlink=bti-nav-head-paymentsolutions-vendorpayments" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Vendor Payments</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/payment-solutions/accounts-payable-automation/?intlink=bti-nav-head-paymentsolutions-automatedpayments" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Automated Payments</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/payment-solutions/?intlink=bti-nav-head-paymentsolutions-viewallpaymentsolutions" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">View All Payment Solutions</p></a></li></ul></div></div></div><div class="position-relative dls-gray-01-bg border-b axp-forum-header__ForumHeader__topicMenu___1PBMC axp-forum-header__ForumHeader__right20___1y11x axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__noOutlineOnFocus___3pC5q axp-forum-header__ForumHeader__dropdown___3FAmT"><div tabindex="0" role="button" id="menu-header-3" class="text-wrap dls-bright-blue height-full margin-0 flex flex-align-center axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__subnavText___3I0Fl axp-forum-header__ForumHeader__dottedFocus___1pEry"><h3>Business Class</h3></div><div class="pad-1-lr pad-2-b text-wrap flex pad-2-t border-lr border-b position-absolute flex-justify-between dls-gray-01-bg axp-forum-header__ForumHeader__panel___2E0nU"><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-r margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="https://www.americanexpress.com/en-us/business/trends-and-insights/?linknav=bti-nav-head-trendsandinsightsmenu-trendsandsinsights" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Business Class</h4><p class="margin-2-tb dls-gray-05 text-wrap axp-forum-header__ForumHeader__description___3vQqi">Insights and Inspiration to Help Grow Your Business</p></a></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-r margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="/en-us/business/trends-and-insights/topics/managing-money/?linknav=bti-nav-head-trendsandinsightsmenu-managingmoney/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column margin-2-b-lg-up"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Managing Money</h4></a><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/cash-flow/?linknav=bti-nav-head-trendsandinsightsmenu-managingmoney/-cashflow/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Cash Flow</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/financing/?linknav=bti-nav-head-trendsandinsightsmenu-managingmoney/-financing/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Financing</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-r margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="/en-us/business/trends-and-insights/topics/getting-customers/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column margin-2-b-lg-up"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Getting Customers</h4></a><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/marketing-and-sales/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-marketingandsales/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Marketing &amp; Sales</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/customer-relations/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-customerrelations/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Customer Relations</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/digital-tools/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-digitaltools/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Digital Tools</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/social-media-strategy/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-socialmediastrategy/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Social Media Strategy</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-r margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="/en-us/business/trends-and-insights/topics/building-your-team/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column margin-2-b-lg-up"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Building Your Team</h4></a><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/hiring-and-hr/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-hiringandhr/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Hiring &amp; HR</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/company-culture/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-companyculture/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Company Culture</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/leadership/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-leadership/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Leadership</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/productivity/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-productivity/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Productivity</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="/en-us/business/trends-and-insights/topics/planning-for-growth/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column margin-2-b-lg-up"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Planning for Growth</h4></a><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/strategy/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-strategy/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Strategy</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/growth-opportunities/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-growthopportunities/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Growth Opportunities</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/research/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-research/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Research</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/operations/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-operations/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Operations</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/industry-insights/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-industryinsights/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Industry Insights</p></a></li></ul></div></div></div></div></div></div></div><div id="skipSubNavMenu"></div></nav></div><div class="container row margin-center _tabletHeaderWidth_1o41p_133"><div id="btiHeader" class="pad-1-l margin-4-b flex width-full margin-2-t-md-up flex-align-end flex-column blueUnderline"><div class="row width-full pad-2-t-md-up margin-0-r _headerPadding_1n7vr_116"><div id="featuredList" class="flex-column col-md-4 pad-0-l hidden-sm-down trending-topics-section pad-1-b pad-0-lr position-relative zIndex1"><div class="tagsWrapper display-inline-block container margin-0-l pad-0-lr margin-1-r" data-bti-module-name="axp-forum-content-list" data-bti-module-variant="tagList"><div class="text-uppercase dls-deep-blue pad-1-b _featuredHeadingStyles_1n7vr_1">Topics</div><div class="row pad-1-t margin-0-l _responsiveFeaturedSection_1n7vr_98 margin-2-b heading-3 text-uppercase"><div><a title="Managing Money" label="Managing Money" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/topics/managing-money/"><span class="tag margin-0-r margin-0-l position-relative">Managing Money</span> <span aria-hidden="true"> &gt;</span></a></div><div><a title="Getting Customers" label="Getting Customers" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/topics/getting-customers/"><span class="tag margin-0-r margin-0-l position-relative">Getting Customers</span> <span aria-hidden="true"> &gt;</span></a></div><div><a title="Building Your Team" label="Building Your Team" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/topics/building-your-team/"><span class="tag margin-0-r margin-0-l position-relative">Building Your Team</span> <span aria-hidden="true"> &gt;</span></a></div><div><a title="Planning for Growth" label="Planning for Growth" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/topics/planning-for-growth/"><span class="tag margin-0-r margin-0-l position-relative">Planning for Growth</span> <span aria-hidden="true"> &gt;</span></a></div></div></div></div><div id="featuredList" class="flex-column col-md-3 margin-4-l hidden-sm-down trending-topics-section pad-1-b pad-0-lr position-relative zIndex1"><div class="tagsWrapper display-inline-block container margin-0-l pad-0-lr margin-1-r" data-bti-module-name="axp-forum-content-list" data-bti-module-variant="tagList"><div class="text-uppercase dls-deep-blue pad-1-b _featuredHeadingStyles_1n7vr_1">Videos</div><div class="row pad-1-t margin-0-l _responsiveFeaturedSection_1n7vr_98 margin-2-b heading-3 text-uppercase"><div><a title="Explainer Videos" label="Explainer Videos" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/solutions/explainer-videos/"><span class="tag margin-0-r margin-0-l position-relative">Explainer Videos</span> <span aria-hidden="true"> &gt;</span></a></div><div><a title="Educational Shorts" label="Educational Shorts" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/solutions/educational-shorts/"><span class="tag margin-0-r margin-0-l position-relative">Educational Shorts</span> <span aria-hidden="true"> &gt;</span></a></div><div><a title="Small Business Stories " label="Small Business Stories " class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/solutions/shop-small-stories/"><span class="tag margin-0-r margin-0-l position-relative">Small Business Stories </span> <span aria-hidden="true"> &gt;</span></a></div></div></div></div><div class="flex flex-column pad-0-l pad-1-r pad-1-tb-sm-down margin-auto-l col-md-4 col-lg-4"><div id="bcLogo" class="margin-2-b-md-up flex flex-align-end flex-column"><img src="https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_bc_article_logo_right_justified.png" alt="American Express Business Class Logo"/></div><div class="flex flex-justify-end margin-1-r-sm-down"><div class="col-sm-12 col-md-12 text-align-right-md-up text-align-left-sm-down pad-b-sm-down flex-basis-auto"></div></div></div></div></div></div><div class="_editorialWrapper_1o41p_117 border-b"><div><div><div class="pad-0-lr container"><div class="flex margin-0-lr pad-4-b border-b"><div class="pad-0-l pad-2-r col-md-4 col-lg-3 hidden-sm-down position-relative"><div id="relatedContainer" class="pad-1-l flex flex-column axp-forum-editorial-container__LeftRail__customGap___21q7i"><div id="leftRailBanner"><div><p class="legal-2 text-align-center pad-1-b dls-black text-uppercase axp-forum-banner__ForumBanner__advertisementTitle___2xFjC">Advertisement</p><a id="leftRailBannerImg" href="https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/?intlink=us-bti-leftrailbanner-marketingandsales-all-bizgoldcardamex"><img src="https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2024/01/PK_Pack2_160X600-05.png" alt="Get more for your business purchases Business Gold Card"/></a></div></div><div id="relatedContent" class="axp-forum-editorial-container__LeftRail__relatedMinHeight___1FVHL"><h2 class="text-uppercase dls-deep-blue margin-1-b axp-forum-editorial-container__LeftRail__leftRailTitleSection___1jo9m">Related Content</h2><div class="position-absolute dls-accent-white-01-bg axp-forum-editorial-container__LeftRail__relatedContentList____fO8K"><div role="status" aria-label="Loading" tabindex="0" aria-busy="false"><div class="width-full axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB"><div class="text-align-center margin-1-t dls-gray-02-bg axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo"><div class="axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60">Loading...</div></div><div class="dls-gray-02-bg margin-1-b axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS"></div><div class="dls-gray-01-bg axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2"></div></div></div><div role="status" aria-label="Loading" tabindex="0" aria-busy="false"><div class="width-full axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB"><div class="text-align-center margin-1-t dls-gray-02-bg axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo"><div class="axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60">Loading...</div></div><div class="dls-gray-02-bg margin-1-b axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS"></div><div class="dls-gray-01-bg axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2"></div></div></div><div role="status" aria-label="Loading" tabindex="0" aria-busy="false"><div class="width-full axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB"><div class="text-align-center margin-1-t dls-gray-02-bg axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo"><div class="axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60">Loading...</div></div><div class="dls-gray-02-bg margin-1-b axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS"></div><div class="dls-gray-01-bg axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2"></div></div></div><div role="status" aria-label="Loading" tabindex="0" aria-busy="false"><div class="width-full axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB"><div class="text-align-center margin-1-t dls-gray-02-bg axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo"><div class="axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60">Loading...</div></div><div class="dls-gray-02-bg margin-1-b axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS"></div><div class="dls-gray-01-bg axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2"></div></div></div></div></div></div></div><div class="col-md-8 col-lg-8 col-sm-12"><div id="editorialContainer" class="dls-app dls-white-bg axp-forum-editorial-container__EditorialContainer__editorialWrapper___142Yl" data-bti-module-name="axp-forum-editorial-container"><div id="editorialHeader" class="col-sm-12 pad-0-lr margin-1-l-sm-down pad-table-sm-lr axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx" data-bti-module-name="axp-forum-editorial-header"><div><div id="headerMain" class="pad-0-lr container"><div class="row"><div class="col-sm-12 col-md-10 pad-1-l axp-forum-editorial-container__EditorialHeader__marginLeftZeroLg___3MCWu axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9"><h1 class="heading-6 axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9 axp-forum-editorial-container__EditorialHeader__editorialHeader___2AnA8">What Is a Private Equity Company? Understanding Key Functions</h1></div></div><div class="margin-2-t margin-3-b position-relative hidden-sm-down axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX"><img id="headerImage" alt="Woman on phone smiling" class="axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI" src="https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2024/04/privateequitycompanyheader.jpg?imwidth=968"/><div class="margin-auto-l-xs-up pad-2-t hidden-md-down axp-forum-editorial-container__EditorialHeader__socialShareTools___2ta4Y"><div class="axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 " data-bti-module-name="axp-forum-social-share-tools"><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--twitter axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="Twitter Icon" src="data:image/png;base64,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"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--facebook axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="Facebook Icon" src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/0.3.0/package/img/social/social-network-facebook.svg"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--linkedin axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="LinkedIn Icon" src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/0.3.0/package/img/social/social-network-linkedin.svg"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--email axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4 axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk"><div role="button" id="emailShare" aria-label="Email Share" class="axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI icon dls-icon dls-icon-email dls-bright-blue"></div></div></div></div></div><div></div></div></div><div class="pad-0-l container col-md-8 margin-center"><div class="row"><div class="col-md-8 axp-forum-editorial-container__EditorialHeader__authorDetails___1SPJY"><div><div id="headerAuthor" class="pad-1-tb"><div><div class="flex flex-align-items-center flex-wrap axp-forum-author__Author__authorBio___ki2Yq" data-bti-module-name="axp-forum-author" data-bti-module-variant="bio"><div id="headerAuthor"><div><a class="" href="/en-us/business/trends-and-insights/authors/giles-forsyth/"><span id="authorName" class="heading-3 dls-accent-blue-02">Giles Forsyth</span></a></div><div id="authorCompany" class="axp-forum-author__Author__simpleText___1Iu81"></div></div></div></div></div></div></div></div></div><div class="pad-0-l container col-md-8 margin-center"><div class="margin-1-r-sm-down row"><div id="articleSummary" class="pad-1-l margin-3-tb axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2"><div class="dls-white text-align-center col-md-3 col-sm-5 heading-5 pad-0-t margin-2-b-xl-down axp-forum-editorial-container__EditorialHeader__textOverlayFontOverrides___3jeD_">Summary</div><div class="dls-bright-blue pad-3-r-md-up pad-1-r axp-forum-editorial-container__EditorialHeader__blueUnderline___1KIUu axp-forum-editorial-container__EditorialHeader__summaryText___176Hi"><p>Private equity isn’t exclusive to big business. It can also have a place in the small-business toolbox.</p></div></div></div></div></div><div id="editorialBody" class="container pad-t-sm-down pad-0-l" data-bti-module-name="axp-forum-editorial-body"><div class="row"><div class=" axp-forum-editorial-body__editorial__postBodyPadding___2aORD pad-2-lr-sm-down col-xs-12 col-sm-12 col-md-12 "><div id="editorialPostContent" class="axp-forum-editorial-body__editorial__postContent___2LwVN axp-forum-editorial-body__blockquote__postContent___5SNSe editorialContent pad-3-b"><h2 class="display-none"></h2><h3 class="display-none"></h3><h4 class="display-none"></h4><h5 class="display-none"></h5><h6 class="display-none"></h6><ul class="display-none"></ul><ol class="display-none"></ol><p>When it comes to products we all know and love, you may be hard-pushed to find many that aren’t backed by private equity firms.</p> <p>But private equity isn’t limited to big brands. It’s also available to small businesses to launch products, recruit staff, grow their operations, and more.</p> <p>While publicly-listed companies can raise money by selling ownership – or shares – to anyone on a stock exchange, private companies don’t have this privilege.</p> <p>This is where private equity comes in. It’s one of the <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/small-business-guide-sources-of-capital/" title="common sources of capital">common sources of capital</a> for small businesses.</p> <p>But what is private equity?</p> <h2>What Is Private Equity?</h2> <p>Private equity typically refers to a type of financing where a private equity firm invests money into a company that is not publicly listed – that is, the company’s shares are not traded on a stock exchange.</p> <p>This investment can be made to help increase a company’s value before selling it at a profit.</p> <p>Imagine a fledgling printing company struggling to grow due to limited funds.</p> <p>A private equity firm comes along and invests in the company by way of capital injection and strategic guidance, which can enable the printing company to develop a new product line, hire employees, and expand its customer base.</p> <p>The private equity firm then can sell the printing company at a profit, making it a win-win for both parties.</p> <p>But a private equity firm brings more to the table than money and mentorship. They also offer operational expertise, which can help small businesses streamline their processes, <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/4-ways-to-improve-gross-profit-margin/" title="boost profit margins">boost profit margins</a>, and scale more effectively.</p> <h3>How Does Private Equity Work?</h3> <p>Investors who work at a private equity firm are known as private equity investors.</p> <p>They are critical in identifying companies with good investment potential and raising a pool of capital to invest in them.</p> <p>This pool is called a private equity fund, which is led by a group of limited liability partners including institutional investors, high net worth individuals, and pension funds.</p> <p>When the fund reaches its fundraising target, the private equity investors close the fund and invest the capital by acquiring equity stakes in promising companies.</p> <p>Private equity firms then work with investee companies to help increase their value. This could take the form of incorporating a new strategy or restructuring the company altogether.</p> <p>When a private equity firm sells a company, it normally makes a profit and allocates returns to limited partners that invested in the fund.</p> <h3>What Are the Three Main Strategies for Private Equity Investments?</h3> <p>A private equity investment isn’t a one-size-fits-all solution.</p> <p>There are many forms of private equity available depending on the stage of an investee company’s lifecycle and investment goals.</p> <p>But here are the main strategies for private equity investments:</p> <ol> <li><b>Venture Capital:</b> Venture capital involves a minority, or non-controlling, investment in early-stage companies or startups with an unproven business model.</li> <li><b>Growth Equity:</b> Growth equity describes a minority investment in more mature companies, which are experiencing rapid growth via a proven business model.</li> <li><b>Buyout:</b> A buyout refers to the acquisition of a majority, or controlling, interest in mature companies.</li> </ol> <h2>Understanding Private Equity Companies</h2> <p>What is a private equity company?</p> <p>It’s an <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/how-businesses-use-return-on-investment-calculations/" title="investment management">investment management</a> firm with an ownership stake in its investee companies.</p> <p>It often has stakes in multiple companies, which is called its portfolio, and the companies that make up this group are called portfolio companies.</p> <p>Private equity is just one form of alternative investment. Others can include hedge funds and mutual funds.</p> <ul> <li>Hedge funds make short- and long-term investments in publicly-listed companies whereas private equity firms typically make long-term investments in privately held companies.</li> <li>Mutual funds normally invest in publicly-traded companies where liquidity is offered to investors through daily trading while private equity firms invest in private companies, which are illiquid assets. Furthermore, mutual funds <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/startup-funding-8-best-ways-to-raise-capital/">raise capital</a> from everyday investors whereas private equity funds are raised by accredited investors.</li> </ul> <h2>Key Functions of Private Equity Companies</h2> <p>Private equity companies can play a critical part in the financial ecosystem.</p> <p>In addition to fundraising, here’s an overview of their other functions.</p> <h3>1. Deal Sourcing</h3> <p>Private equity firms are always on the lookout for investment opportunities.</p> <p>These are typically found through industry contacts, proprietary networks, investment banks, and other intermediaries.</p> <h3>2. Due Diligence</h3> <p>Extensive due diligence is a necessary precondition for making an investment, the purpose of which is to discover any underlying issues in the investment opportunity.</p> <p>During the sourcing process, private equity firms scrutinize target companies’ financials, business operations, market position, growth potential, risks and so forth.</p> <h3>3. Portfolio Management</h3> <p>Once an investment has been made, private equity firms manage portfolio companies to improve their performance and increase their value.</p> <p>This can be achieved by measures ranging from strategic direction to exit planning.</p> <h3>4. Risk Management</h3> <p>Private equity firms manage investment-related risks, such as regulatory shifts and market fluctuations.</p> <p>They are responsible for devising risk management strategies that safeguard investors’ capital and help ensure long-term success.</p> <h3>5. Exit Strategies</h3> <p>One of the priorities of private equity firms is to exit their investments profitably.</p> <p>Exit routes include everything from a management buyout to taking the portfolio company public via an Initial Public Offering (IPO).</p> <blockquote>Private equity firms can be more enthusiastic in their support of small business. They also may invest more money than other types of investors. This can provide a valuable lifeline for businesses that may not otherwise realize their full potential.</blockquote> <h2>Private Equity Funds</h2> <p>Private equity funds make their money by collecting fees for investment management and performance.</p> <p>To help calculate their fees, they apply the ‘2+20’ rule below.</p> <h3>1. Management Fee</h3> <p>Irrespective of a fund’s performance, a 2% fee is paid to a private equity company to cover operational costs incurred while managing the investment portfolio, such as travel.</p> <h3>2. Performance Fee</h3> <p>A performance fee is conditional upon an investment being sold at a profit.</p> <p>The fee is 20% of any investment profit, which is paid to the private equity firm&#x27;s employees to incentivize greater returns.</p> <p>Both management and performance fees are calculated as a percentage of assets under management (AUM).</p> <h2>Advantages of Private Equity for Small Businesses</h2> <p>Small businesses can benefit from private equity in several ways.</p> <h3>1. Capital</h3> <p>Even the most promising small businesses can face challenges securing capital through traditional financing, such as bank loans.</p> <p>Private equity firms can be more enthusiastic in their support of small business.</p> <p>They also may invest more money than other types of investors. This can provide a valuable lifeline for businesses that may not otherwise realize their full potential.</p> <h3>2. Control</h3> <p>With private equity, investors own a part of the company, but the owner(s) retain overall control.</p> <h3>3. Flexibility</h3> <p>Flexibility is important for small businesses, particularly how deals are structured and repayments are made.</p> <p>Private equity firms may offer more advantageous terms than other investors and traditional lenders.</p> <p>There are also factors small-business owners should consider before partnering with private equity firms: </p> <ol> <li><b>Higher Fees: </b>Private equity firms can charge higher fees, which may dip into profits.</li> <li><b>Higher Interest Rates: </b>Private equity firms may also set higher interest rates than other investors.</li> <li><b>Loss of Control: </b>Although small-business owners maintain control of their company, they must still relinquish some control to private equity investors who have a say in how the business is run.</li> </ol> <h2>Practical Tips for Small Businesses Considering Private Equity</h2> <p>Here are some tips for small-business owners considering entering into private equity partnerships.</p> <h3>1. Goal Alignment</h3> <p>Being at odds with a private equity firm can be a small-business owner’s worst nightmare.</p> <p>From the outset, it’s important to consider ensuring that there’s alignment between the business goals and the private equity firm’s objectives.</p> <h3>2. Exit Strategy</h3> <p>To play the private equity game to win, it’s important to realize that it may not necessarily be a one-time deal.</p> <p>Consider planning for multiple exit opportunities. Multiple exits can equal multiple payouts.</p> <h2>Exploring Cash-Flow Sources for Business Success</h2> <p>Private equity can be a game-changer for a small business.</p> <p>While its financial muscle and strategic expertise can take your business to the next level, you should carefully consider whether private equity aligns with the specific needs and goals of your business.</p> <p>After all, private equity isn’t for everyone and there are certainly other <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/knowing-the-3-sources-of-business-cash-flow/" title="cash-flow sources">cash-flow sources</a> you can consider, but it’s well worth bearing in mind that private equity isn’t just for big businesses. It’s for small ones, too.</p> <p><i>Photo: Getty Images</i></p></div></div></div></div><p id="publishedDate" class="pad-2-t-md-down pad-0-b margin-1-b axp-forum-editorial-container__EditorialContainer__simpleText___3k46m"><b>Published: </b><span>April 26, 2024</span></p><div class="container"><div class="col-xs-12 col-sm-12 col-md-8 col-md-offset-2 margin-2-t text-align-right undefined axp-forum-editorial-container__EditorialContainer__removeOffset___3nG6_"><div class="axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql " data-bti-module-name="axp-forum-social-share-tools"><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--twitter axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="Twitter Icon" src="data:image/png;base64,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"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--facebook axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="Facebook Icon" src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/0.3.0/package/img/social/social-network-facebook.svg"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--linkedin axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="LinkedIn Icon" src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/0.3.0/package/img/social/social-network-linkedin.svg"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--email axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4 axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk"><div role="button" id="emailShare" aria-label="Email Share" class="axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI icon dls-icon dls-icon-email dls-bright-blue"></div></div></div></div></div></div></div></div></div><div id="digDeeper" class="container margin-2-b margin-4-t pad-0-lr"><span id="spanStyleIncluder" class="display-none"></span><div class="row margin-0-lr"><div class="col-xs-12 axp-forum-editorial-container__EditorialContainer__digDeeperCustomPadding___vBHkZ"><div class="margin-3-b"><div class="tagsWrapper display-inline-block container margin-0-l pad-0-lr axp-forum-editorial-container__EditorialContainer__tagWrapperOverrides___3ga3u" data-bti-module-name="axp-forum-content-list" data-bti-module-variant="tagList"><div class="border-b pad-1-b dls-deep-blue text-uppercase axp-forum-editorial-container__EditorialContainer__digDeeperCustomTitle___1LeS7">Want to Dig Deeper?</div><div class="row pad-1-t margin-0-l axp-forum-editorial-container__EditorialContainer__digDeeperContainerOverrides___25Gqr"><div><a title="Financing" label="Financing" class="flex axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy" href="/en-us/business/trends-and-insights/topics/financing/"><span class="tag margin-0-r margin-0-l position-relative axp-forum-content-list__tag__textLink___FRANb">Financing</span> </a></div><div><a title="Managing Money" label="Managing Money" class="flex axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy" href="/en-us/business/trends-and-insights/topics/managing-money/"><span class="tag margin-0-r margin-0-l position-relative axp-forum-content-list__tag__textLink___FRANb">Managing Money</span> </a></div><div><a title="Raising Capital" label="Raising Capital" class="flex axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy" href="/en-us/business/trends-and-insights/topics/raising-capital/"><span class="tag margin-0-r margin-0-l position-relative axp-forum-content-list__tag__textLink___FRANb">Raising Capital</span> </a></div></div></div></div></div></div></div><div id="trending-content-module" class="pad-4-tb pad-4-lr-sm-up pad-1-lr-sm-down center-block margin-4-b dls-bright-blue-bg"><h2 class="text-uppercase dls-white pad-1-b axp-forum-editorial-container__EditorialContainer__whiteUnderline___2NKKp axp-forum-editorial-container__EditorialContainer__trendingContentHeader___3Gh2c">Trending Content</h2><div class="hidden-sm-down"></div><div class="hidden-md-up"></div></div></div><img id="btiNewscredPixel" src="https://pixel.newscred.com/px.gif?key=&lt;img src=&quot;https://pixel.welcomesoftware.com/px.gif?key=YXJ0aWNsZT0wYzNlODQyZWY3NDgxMWVlODRhNDhhZWM5MTU3MjhmZA==&quot; alt=&quot;&quot; height=&quot;1&quot; width=&quot;1&quot; class=&quot;nc_pixel&quot;/&gt;" alt="" height="1" width="1" class="nc_pixel"/></div></div></div></main></div></div></div></div> <script id="initial-state" nonce="5d90d124-acac-4cf5-80ad-995fc886dcf5"> window.__webpack_public_path__ = "https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/"; window.__CLIENT_HOLOCRON_MODULE_MAP__ = {"clientCacheRevision":"0ff83446-9d42-4712-8e86-b01da310ad6a","modules":{"axp-dev-start":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-dev-start/2.0.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-dev-start/2.0.0/axp-dev-start.legacy.browser.js","integrity":"sha256-uKNJTFN3Z9//4UrqCShpb8/6IjvJZH5oO9qFQko6QmQ= sha384-YbgZv0IOxpEW0Nu/W9zYL7BPA9O7DMLwS4TmBEMYRepR9hUZyHjNW3AKcCFFC8j5"}},"axp-forum-root":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-root/3.32.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-root/3.32.0/axp-forum-root.legacy.browser.js","integrity":"sha256-cZuVksxPTjGIShMOq+zruiYX1uYrQprIVG2ERSpRbvU= sha384-EosThUimm651KhXvZz+a2ig6nNYx5euNwAo5j00WcaxRicdy9iZdBZ/Pd2Z0fm2M"}},"axp-forum-author":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author/3.8.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author/3.8.0/axp-forum-author.legacy.browser.js","integrity":"sha256-MteeoXgmZU4rbQpSHdhOI1w5+VpZ2iqFy7a0x/43nN8= sha384-txM1u80faumFiPl9n/krAMQOZkM93WTgKNDrygrGGExj8c3OtrZId8ilCakSiTnP"}},"axp-forum-curated-page-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-curated-page-container/2.12.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-curated-page-container/2.12.1/axp-forum-curated-page-container.legacy.browser.js","integrity":"sha256-o+alec9Te4wkkOsZ8oo8StAZoUCyMxs2AVzQ5peqFu8= sha384-ObaINYrKjgbqDwBQX7yQ2/8c+i4gMUVEfxe92DOBC0KMZrJqph2XwkLpqWwcaSXt"}},"axp-forum-editorial-body":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-body/3.21.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-body/3.21.0/axp-forum-editorial-body.legacy.browser.js","integrity":"sha256-LEecqngDX5SbAe3L91Fx+HgGCkjFNAM3uvLCIWN7Vkc= sha384-WfPutDS5SJNEBdNQ6ClT1jDImAkjmM9pSYGUV1ygK8jUC2ymWDn3YM8lmlb/eW/6"}},"axp-forum-event-detail-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-event-detail-container/3.8.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-event-detail-container/3.8.0/axp-forum-event-detail-container.legacy.browser.js","integrity":"sha256-vXrtEGAoYHf8DaVbOwNOV0PhMpJ+HOYiGOKQzh2IdZg= sha384-3ITOjrweTQkpmQSwRb7x+Ss9pK9Y08TyV92BpofLSaBENC7BYxq4lGKRwCsyKAsX"}},"axp-forum-manage-subscription-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-manage-subscription-container/2.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-manage-subscription-container/2.7.0/axp-forum-manage-subscription-container.legacy.browser.js","integrity":"sha256-Kwava/KcyoQWePsrX1ykDnz83omZpj0sUqm0G3YXwWM= sha384-jnXfSZyV4H+zQyBb24960AQHXCK4gZdZHO2eQUAoxk07JMChBp1GbXJInUGGOHL7"}},"axp-forum-search-results-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-search-results-container/2.8.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-search-results-container/2.8.0/axp-forum-search-results-container.legacy.browser.js","integrity":"sha256-hpAPI9i1gj36FrrkwQVJMoTya1FaCRokRTr1UeVjZtc= sha384-BM0SGcBFADDM0xd6uFtGIbLbX3ljQFPDxJLo3wg9uAYP0Qeeikr2csjtuC/qt8nf"}},"axp-forum-social-share-tools":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-social-share-tools/3.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-social-share-tools/3.7.0/axp-forum-social-share-tools.legacy.browser.js","integrity":"sha256-P70k0WrKWrdL5Hp5cCddVeNvklrZ8YVObo3F7B8BWF0= sha384-oq0mwsZXJs48A0VPR0oMa2ZqRv8rW6Fbh8fevfLbyevyMGO3h7dKvFnC9vuMIue8"}},"axp-forum-homepage-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-homepage-container/3.18.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-homepage-container/3.18.0/axp-forum-homepage-container.legacy.browser.js","integrity":"sha256-u8VtoprbJ+ijoy4Zu7+d4yUWneS9pLTZtTURhXk+KGY= sha384-dI/ImoqWO6lBYSdIWUUjbLRh3A0+1quCVVXxgQUUoIuzQShM+bEwVTpdbTV8NpoJ"}},"axp-forum-whitepaper-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-whitepaper-container/3.9.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-whitepaper-container/3.9.0/axp-forum-whitepaper-container.legacy.browser.js","integrity":"sha256-VTioSSsbnd4iVxtLpLRYchoYxXPOa3iQdmgz1r6BAGc= sha384-kdrxfwIpxUBcCmaOZ38NKnDfA2HcN7MZeehwryBihC+FQm/VrDRP5DugPa4GmjnP"}},"axp-forum-page-wrapper":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-page-wrapper/3.30.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-page-wrapper/3.30.0/axp-forum-page-wrapper.legacy.browser.js","integrity":"sha256-CUUM+zz/UWJc7i2ETG/abAOymMUO/1yy8SOVcduVhXU= sha384-9ACDNxkLbH3uL/AyEjD5fWCf0Qb+fS1tpT3rkLdsyguwvkHSQGicuU/HdSVyAhFV"}},"axp-forum-editorial-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-container/3.26.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-container/3.26.1/axp-forum-editorial-container.legacy.browser.js","integrity":"sha256-Ly1q0lfgWMFkMwkgFFKyX0+yJ+PYMBQA0ci9vbu70fs= sha384-V9eOW9cIXK8O9IUL6sR2gMheuLDRiXAKkRp9IyfyEgT69wufuKDoC7xk3UTilcXB"}},"axp-forum-banner":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-banner/3.19.5/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-banner/3.19.5/axp-forum-banner.legacy.browser.js","integrity":"sha256-PkxcyuhGm4ocbpiIYaaPG2XSQyoUAL0BG1VquzJUkZs= sha384-00AVJVbvbTgN0locgLu2LmN0P9PXkBZP07miayXN5efRqhgV1RxpYV8jNPRCNuL0"}},"axp-forum-form":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-form/2.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-form/2.7.0/axp-forum-form.legacy.browser.js","integrity":"sha256-K9ztziPK/ISrnE5qucGnk0BaG5Y6sg6teC54JmJfhK0= sha384-o/8t6ySHzN+dO9Wp7PyJQjmtmb8VeGMxs3Ipc5HxPGSGuj23eLyXIdisy64+FD5L"}},"axp-forum-content-list":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-content-list/3.26.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-content-list/3.26.1/axp-forum-content-list.legacy.browser.js","integrity":"sha256-L+IIH6DIPIjRx3AzzZ3deRumkZegNOYsGWrrwmlBaXE= sha384-f/WbJzPDApBP2TUHX7Wbv1Hv9w5oXHvLyuASDSYWT2XVp2hw/SkfWAARBL4edRLS"}},"axp-forum-header":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-header/2.15.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-header/2.15.0/axp-forum-header.legacy.browser.js","integrity":"sha256-/i5+X3U83CTNgeq/yt5LOok3PMIupNAmYUzIPdIp50k= sha384-DYYiZuml5GY211gTg9lh5A29cCLFwUfy0HvxS2v0ppkao0HHdbl2UziXgHgjjlxu"}},"axp-forum-author-profile-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author-profile-container/3.10.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author-profile-container/3.10.0/axp-forum-author-profile-container.legacy.browser.js","integrity":"sha256-mF1N2+8KOoS+LU0ZTKlqbo7CnXz2QXiHOTVqJ/5UU80= sha384-BSsSoEGUJgmQhQMbSonW+4EDBU/p/4lmesFkT1q+JCKEvq+cw3VLmWteVxXYS2kN"}},"axp-forum-taxonomy-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-taxonomy-container/3.21.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-taxonomy-container/3.21.0/axp-forum-taxonomy-container.legacy.browser.js","integrity":"sha256-FyZO1q3/VWN39bZZyZRZgoverCZ1mDivPIgfyoFYivg= sha384-S5JgO0MMcHCxGIYs1Qw+OMmClnuGMWG/ZduRJ+/j10VGGZQWFE1siQgIGPt08NCM"}},"axp-footer":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-footer/4.31.12/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-footer/4.31.12/axp-footer.legacy.browser.js","integrity":"sha256-Aid9A+Uj8QgNUMLbwdUGETBtiWpjw9OaoGGX6HffeDU= sha384-fgK8FLYW0ujellIXe38NWkOAwmoSleom0FP8470wNvELHxJwEH2AwOg3lD3yCMkc"}},"axp-global-header":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-global-header/4.4.19/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-global-header/4.4.19/axp-global-header.legacy.browser.js","integrity":"sha256-7NMSb8rKmAEELt2x1ageiPXPccrTwA8kr3gcmTNW4e0= sha384-g6uumrJpwE3ukMkRvnPRjCKIrCQ3S5ORRbg/9XthhtU6qpETMdz+R9h+ocXPsCeb"}},"axp-search-box":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-box/7.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-box/7.7.0/axp-search-box.legacy.browser.js","integrity":"sha256-1vj0IDBeuUZc0eIgTU2PfXn0T8OERuLnjUHLpTo2WOk= sha384-qEVXyZ9Dx0PNBVQEur1afaEQpoOF5ZMzUrUK5urc7sBRIdZaZwoWBGwVbdBR1FjY"}},"axp-open-home-verification":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-open-home-verification/2.0.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-open-home-verification/2.0.1/axp-open-home-verification.legacy.browser.js","integrity":"sha256-sjlcadeVxAR4FUTiQ6jzn1oXrqDLumZX3eNOOitf38M= sha384-YOIdD9xPGig51MG2/R0CZjf26es/+QNOi6DojFRr0v/wcM4Ya1JP5IpAGFL20mb+"}},"axp-open-home-root":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-open-home-root/2.0.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-open-home-root/2.0.0/axp-open-home-root.legacy.browser.js","integrity":"sha256-FJAO0LU8IqCzt2Wm0irWNL27m3IvMRyZCH9TTqBzYKc= sha384-Cl+njMA1aHmtZIC2Txs1IsD1RdfiQINJehlqhZO7FCmYeUKh0gjDJzSmzpUbJZ8S"}},"axp-forum-vendor-verification":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-vendor-verification/2.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-vendor-verification/2.7.0/axp-forum-vendor-verification.legacy.browser.js","integrity":"sha256-hrXnjxGDHTkCTqpo4BO8IJpm7MC7/uekDpiw5vLI1UE= sha384-B1BtSp2Sh0TxrBRRanxnx6zRbWAV2UoWfgh7udN/m1OfdftcG4TbSnEYz1Sf6Kud"}},"axp-loyalty-observability":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-loyalty-observability/1.2.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-loyalty-observability/1.2.1/axp-loyalty-observability.legacy.browser.js","integrity":"sha256-EeQv49lCvLIJNdr9+WmNpNUa2Bj76kLgw8liN9dSQnE= sha384-Hm8c4/MuIn5IAcFm+/V9nhOzUK8JmIUYv8oP8SJ/xYez3bmCSC/ksrEkubKKkmwb"}},"axp-search-results":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-results/5.6.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-results/5.6.0/axp-search-results.legacy.browser.js","integrity":"sha256-95juNi4TjKeJO4d9nAmiioz170X0w5BbVcjkuY1Stq4= sha384-G0lCtz0jMOwvC/xwCPFCiruAyAsjjiqpeiviRCHglLuJKzHocSKrjtLeygfhcpPj"}},"axp-search-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-container/5.8.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-container/5.8.0/axp-search-container.legacy.browser.js","integrity":"sha256-JVQFBMdTaaSZw1YaKN8JU8ICy7jbBhv8x+IiE2VdL80= sha384-/a19J+5eSQ91cs6mLzqvMhcHqqz9u1JVXHZBnl6BYEnr4lm9qpDy1sZeSAXbiP6k"}},"axp-search-faqs":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-faqs/5.3.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-faqs/5.3.0/axp-search-faqs.legacy.browser.js","integrity":"sha256-/pRo7g4ETcm7gzIosRRsMNuDMveKTS3ILXHBFgAiRVw= sha384-yKcg1+h9RY41HTRiMWrg2j9DHtdO0mkAGCltvLXmQmzGAgSJr7fmPR2BtKd0d9Ck"}}}}; window.__INITIAL_STATE__ = "[\"~#iM\",[\"config\",[\"~#iM\",[\"forumCdaasAkamaiUrl\",\"https://www.aexp-static.com/cdaas/forum/\",\"reportingUrl\",\"https://forum5uplifthydra.americanexpress.com/_/report/errors\",\"timeout\",8000,\"cspReportingUrl\",\"https://forum5uplifthydra.americanexpress.com/_/report/security/csp-violation\",\"localeFilename\",null,\"faasApiUrl\",\"https://functions.americanexpress.com\",\"cdnUrl\",\"https://www.aexp-static.com/cdaas/one/\",\"forumOpenHomeUrl\",\"https://contenthubexternal.americanexpress.com/contenthub/service/external/openhome/\",\"forumApiUrl\",\"https://contenthubexternal.americanexpress.com/contenthub/service/external\",\"holocronModuleMapUrl\",\"https://cdaas.aexp.com/cdaas/one-app/map/epaas-forum-5-forum-5-e3/module-map.json\",\"rootModuleName\",\"axp-forum-root\",\"forumCdaasUrl\",\"https://cdaas.americanexpress.com/forum/\"]],\"holocron\",[\"~#iM\",[\"loaded\",[\"~#iS\",[\"axp-forum-root\",\"axp-global-header\",\"axp-forum-form\",\"axp-loyalty-observability\",\"axp-forum-editorial-body\",\"axp-forum-author\",\"axp-forum-banner\",\"axp-forum-social-share-tools\",\"axp-forum-header\",\"axp-footer\",\"axp-forum-content-list\",\"axp-forum-page-wrapper\",\"axp-forum-editorial-container\"]],\"loading\",[\"~#iM\",[]],\"withReducers\",[\"~#iS\",[\"axp-forum-root\",\"axp-global-header\",\"axp-forum-form\",\"axp-forum-editorial-body\",\"axp-forum-author\",\"axp-forum-banner\",\"axp-forum-content-list\",\"axp-forum-page-wrapper\",\"axp-forum-editorial-container\"]]]]]]"; window.__holocron_module_bundle_type__ = 'legacyBrowser'; window.__pwa_metadata__ = {"serviceWorker":false,"serviceWorkerRecoveryMode":false,"serviceWorkerScope":null,"serviceWorkerScriptUrl":false,"webManifestUrl":false,"offlineUrl":false}; window.__render_mode__ = 'hydrate'; </script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/app~vendors.js" integrity="sha256-pVKjfKL3+P5ULlhRy9V5nnlQIAK+XVz2yBarqprVuMs= sha384-j6DnKHc4fa2u2q7CvgYu++Wkn/SEwYtZd4Oprsruj2C1ID79PvQzNbuLbCVDkFWC" crossorigin="anonymous"></script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/runtime.js" integrity="sha256-8cL9qWJzUeKEkatoMuG3FrMt3UFtp+JxX2IUByGGb5E= sha384-iDMeNXKn8yl+z9adfcebW5fsUfcpm3nIYek5zF21rR7eiybLm7gA/IfKWjN67voB" crossorigin="anonymous"></script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/vendors.js" integrity="sha256-HLY9B8nxCzK3+IA6LjKCTVDMiIgl2SDDSkoj6UjTguw= sha384-p+fncVbOV2MlipfzVbwC7I0yYbs1VNemOR7M9rvdn746m+QYeJmU9JXEA9GMxq3H" crossorigin="anonymous"></script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/i18n/en-US.js" crossorigin="anonymous"></script> <script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-root/3.32.0/axp-forum-root.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-cZuVksxPTjGIShMOq+zruiYX1uYrQprIVG2ERSpRbvU= sha384-EosThUimm651KhXvZz+a2ig6nNYx5euNwAo5j00WcaxRicdy9iZdBZ/Pd2Z0fm2M"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-global-header/4.4.19/axp-global-header.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-7NMSb8rKmAEELt2x1ageiPXPccrTwA8kr3gcmTNW4e0= sha384-g6uumrJpwE3ukMkRvnPRjCKIrCQ3S5ORRbg/9XthhtU6qpETMdz+R9h+ocXPsCeb"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-form/2.7.0/axp-forum-form.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-K9ztziPK/ISrnE5qucGnk0BaG5Y6sg6teC54JmJfhK0= sha384-o/8t6ySHzN+dO9Wp7PyJQjmtmb8VeGMxs3Ipc5HxPGSGuj23eLyXIdisy64+FD5L"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-loyalty-observability/1.2.1/axp-loyalty-observability.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-EeQv49lCvLIJNdr9+WmNpNUa2Bj76kLgw8liN9dSQnE= sha384-Hm8c4/MuIn5IAcFm+/V9nhOzUK8JmIUYv8oP8SJ/xYez3bmCSC/ksrEkubKKkmwb"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-body/3.21.0/axp-forum-editorial-body.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-LEecqngDX5SbAe3L91Fx+HgGCkjFNAM3uvLCIWN7Vkc= sha384-WfPutDS5SJNEBdNQ6ClT1jDImAkjmM9pSYGUV1ygK8jUC2ymWDn3YM8lmlb/eW/6"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author/3.8.0/axp-forum-author.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-MteeoXgmZU4rbQpSHdhOI1w5+VpZ2iqFy7a0x/43nN8= sha384-txM1u80faumFiPl9n/krAMQOZkM93WTgKNDrygrGGExj8c3OtrZId8ilCakSiTnP"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-banner/3.19.5/axp-forum-banner.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-PkxcyuhGm4ocbpiIYaaPG2XSQyoUAL0BG1VquzJUkZs= sha384-00AVJVbvbTgN0locgLu2LmN0P9PXkBZP07miayXN5efRqhgV1RxpYV8jNPRCNuL0"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-social-share-tools/3.7.0/axp-forum-social-share-tools.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-P70k0WrKWrdL5Hp5cCddVeNvklrZ8YVObo3F7B8BWF0= sha384-oq0mwsZXJs48A0VPR0oMa2ZqRv8rW6Fbh8fevfLbyevyMGO3h7dKvFnC9vuMIue8"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-header/2.15.0/axp-forum-header.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-/i5+X3U83CTNgeq/yt5LOok3PMIupNAmYUzIPdIp50k= sha384-DYYiZuml5GY211gTg9lh5A29cCLFwUfy0HvxS2v0ppkao0HHdbl2UziXgHgjjlxu"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-footer/4.31.12/axp-footer.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-Aid9A+Uj8QgNUMLbwdUGETBtiWpjw9OaoGGX6HffeDU= sha384-fgK8FLYW0ujellIXe38NWkOAwmoSleom0FP8470wNvELHxJwEH2AwOg3lD3yCMkc"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-content-list/3.26.1/axp-forum-content-list.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-L+IIH6DIPIjRx3AzzZ3deRumkZegNOYsGWrrwmlBaXE= sha384-f/WbJzPDApBP2TUHX7Wbv1Hv9w5oXHvLyuASDSYWT2XVp2hw/SkfWAARBL4edRLS"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-page-wrapper/3.30.0/axp-forum-page-wrapper.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-CUUM+zz/UWJc7i2ETG/abAOymMUO/1yy8SOVcduVhXU= sha384-9ACDNxkLbH3uL/AyEjD5fWCf0Qb+fS1tpT3rkLdsyguwvkHSQGicuU/HdSVyAhFV"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-container/3.26.1/axp-forum-editorial-container.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-Ly1q0lfgWMFkMwkgFFKyX0+yJ+PYMBQA0ci9vbu70fs= sha384-V9eOW9cIXK8O9IUL6sR2gMheuLDRiXAKkRp9IyfyEgT69wufuKDoC7xk3UTilcXB"></script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/app.js" integrity="sha256-FQuxD23/SGNM62MJzrfYJUsPgcyE8paeEr2ny1QcKgY= sha384-9wOstj78vBKQPQo15W6rX4YBy00nmMh/3kV3x7dkFJ8TYhkhucsHWtlxqlcn7Ykb" crossorigin="anonymous"></script> <script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"Organization","brand":"American Express","url":"https://www.americanexpress.com/","logo":"https://www.aexp-static.com/nav/ngn/img/logo_bluebox_new.png","name":"American Express Business Trends and Insights","parentOrganization":"American Express","description":"American Express offers world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more.","address":{"@type":"PostalAddress","addressRegion":"NY","postalCode":"10285","streetAddress":"200 Vesey St, New York"},"contactPoint":[{"name":"American Express","@type":"ContactPoint","telephone":"+1 212-640-2000","contactType":"Customer support","contactOption":"TollFree","areaServed":"United States of America"}],"sameAs":["https://www.facebook.com/AmericanExpressBusiness","https://twitter.com/amexbusiness","https://www.instagram.com/americanexpressbusiness","https://www.linkedin.com/company/american-express-business"]}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"trends_and_insights","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/"},{"@type":"ListItem","position":2,"name":"Managing Money","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/topics/managing-money/"},{"@type":"ListItem","position":3,"name":"Financing","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/topics/financing/"},{"@type":"ListItem","position":4,"name":"Raising Capital","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/topics/raising-capital/"}]}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"WPHeader","headline":"What Is a Private Equity Company? Understanding Key Functions","description":"<p>Private equity isn’t exclusive to big business. It can also have a place in the small-business toolbox.</p>"}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.americanexpress.com/en-us/business/trends-and-insights/articles/what-is-a-private-equity-company-understanding-key-functions/"},"headline":"What Is a Private Equity Company? Understanding Key Functions","articleSection":["Managing Money","Raising Capital","Financing"],"description":"Private equity isn’t exclusive to big business. It can also have a place in the small-business toolbox.","image":{"@type":"ImageObject","url":"https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2024/04/privateequitycompanyheader.jpg"},"datePublished":"2024-04-26T12:14:42-04:00","dateModified":"2024-04-26T16:38:30-04:00","keywords":[],"author":{"@type":"Person","name":"Giles Forsyth"},"publisher":{"@type":"Organization","name":"American Express","logo":{"@type":"ImageObject ","url":"https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_BlueBoxLogo.jpg"}},"articleBody":"When it comes to products we all know and love, you may be hard-pushed to find many that aren’t backed by private equity firms.\nBut private equity isn’t limited to big brands. It’s also available to small businesses to launch products, recruit staff, grow their operations, and more.\nWhile publicly-listed companies can raise money by selling ownership – or shares – to anyone on a stock exchange, private companies don’t have this privilege.\nThis is where private equity comes in. It’s one of the common sources of capital for small businesses.\nBut what is private equity?\nWhat Is Private Equity?\nPrivate equity typically refers to a type of financing where a private equity firm invests money into a company that is not publicly listed – that is, the company’s shares are not traded on a stock exchange.\nThis investment can be made to help increase a company’s value before selling it at a profit.\nImagine a fledgling printing company struggling to grow due to limited funds.\nA private equity firm comes along and invests in the company by way of capital injection and strategic guidance, which can enable the printing company to develop a new product line, hire employees, and expand its customer base.\nThe private equity firm then can sell the printing company at a profit, making it a win-win for both parties.\nBut a private equity firm brings more to the table than money and mentorship. They also offer operational expertise, which can help small businesses streamline their processes, boost profit margins, and scale more effectively.\nHow Does Private Equity Work?\nInvestors who work at a private equity firm are known as private equity investors.\nThey are critical in identifying companies with good investment potential and raising a pool of capital to invest in them.\nThis pool is called a private equity fund, which is led by a group of limited liability partners including institutional investors, high net worth individuals, and pension funds.\nWhen the fund reaches its fundraising target, the private equity investors close the fund and invest the capital by acquiring equity stakes in promising companies.\nPrivate equity firms then work with investee companies to help increase their value. This could take the form of incorporating a new strategy or restructuring the company altogether.\nWhen a private equity firm sells a company, it normally makes a profit and allocates returns to limited partners that invested in the fund.\nWhat Are the Three Main Strategies for Private Equity Investments?\nA private equity investment isn’t a one-size-fits-all solution.\nThere are many forms of private equity available depending on the stage of an investee company’s lifecycle and investment goals.\nBut here are the main strategies for private equity investments:\n\nVenture Capital: Venture capital involves a minority, or non-controlling, investment in early-stage companies or startups with an unproven business model.\nGrowth Equity: Growth equity describes a minority investment in more mature companies, which are experiencing rapid growth via a proven business model.\nBuyout: A buyout refers to the acquisition of a majority, or controlling, interest in mature companies.\n\nUnderstanding Private Equity Companies\nWhat is a private equity company?\nIt’s an investment management firm with an ownership stake in its investee companies.\nIt often has stakes in multiple companies, which is called its portfolio, and the companies that make up this group are called portfolio companies.\nPrivate equity is just one form of alternative investment. Others can include hedge funds and mutual funds.\n\nHedge funds make short- and long-term investments in publicly-listed companies whereas private equity firms typically make long-term investments in privately held companies.\nMutual funds normally invest in publicly-traded companies where liquidity is offered to investors through daily trading while private equity firms invest in private companies, which are illiquid assets. Furthermore, mutual funds raise capital from everyday investors whereas private equity funds are raised by accredited investors.\n\nKey Functions of Private Equity Companies\nPrivate equity companies can play a critical part in the financial ecosystem.\nIn addition to fundraising, here’s an overview of their other functions.\n1. Deal Sourcing\nPrivate equity firms are always on the lookout for investment opportunities.\nThese are typically found through industry contacts, proprietary networks, investment banks, and other intermediaries.\n2. Due Diligence\nExtensive due diligence is a necessary precondition for making an investment, the purpose of which is to discover any underlying issues in the investment opportunity.\nDuring the sourcing process, private equity firms scrutinize target companies’ financials, business operations, market position, growth potential, risks and so forth.\n3. Portfolio Management\nOnce an investment has been made, private equity firms manage portfolio companies to improve their performance and increase their value.\nThis can be achieved by measures ranging from strategic direction to exit planning.\n4. Risk Management\nPrivate equity firms manage investment-related risks, such as regulatory shifts and market fluctuations.\nThey are responsible for devising risk management strategies that safeguard investors’ capital and help ensure long-term success.\n5. Exit Strategies\nOne of the priorities of private equity firms is to exit their investments profitably.\nExit routes include everything from a management buyout to taking the portfolio company public via an Initial Public Offering (IPO).\nPrivate equity firms can be more enthusiastic in their support of small business. They also may invest more money than other types of investors. This can provide a valuable lifeline for businesses that may not otherwise realize their full potential.\nPrivate Equity Funds\nPrivate equity funds make their money by collecting fees for investment management and performance.\nTo help calculate their fees, they apply the ‘2+20’ rule below.\n1. Management Fee\nIrrespective of a fund’s performance, a 2% fee is paid to a private equity company to cover operational costs incurred while managing the investment portfolio, such as travel.\n2. Performance Fee\nA performance fee is conditional upon an investment being sold at a profit.\nThe fee is 20% of any investment profit, which is paid to the private equity firm's employees to incentivize greater returns.\nBoth management and performance fees are calculated as a percentage of assets under management (AUM).\nAdvantages of Private Equity for Small Businesses\nSmall businesses can benefit from private equity in several ways.\n1. Capital\nEven the most promising small businesses can face challenges securing capital through traditional financing, such as bank loans.\nPrivate equity firms can be more enthusiastic in their support of small business.\nThey also may invest more money than other types of investors. This can provide a valuable lifeline for businesses that may not otherwise realize their full potential.\n2. Control\nWith private equity, investors own a part of the company, but the owner(s) retain overall control.\n3. Flexibility\nFlexibility is important for small businesses, particularly how deals are structured and repayments are made.\nPrivate equity firms may offer more advantageous terms than other investors and traditional lenders.\nThere are also factors small-business owners should consider before partnering with private equity firms: \n\nHigher Fees: Private equity firms can charge higher fees, which may dip into profits.\nHigher Interest Rates: Private equity firms may also set higher interest rates than other investors.\nLoss of Control: Although small-business owners maintain control of their company, they must still relinquish some control to private equity investors who have a say in how the business is run.\n\nPractical Tips for Small Businesses Considering Private Equity\nHere are some tips for small-business owners considering entering into private equity partnerships.\n1. Goal Alignment\nBeing at odds with a private equity firm can be a small-business owner’s worst nightmare.\nFrom the outset, it’s important to consider ensuring that there’s alignment between the business goals and the private equity firm’s objectives.\n2. Exit Strategy\nTo play the private equity game to win, it’s important to realize that it may not necessarily be a one-time deal.\nConsider planning for multiple exit opportunities. Multiple exits can equal multiple payouts.\nExploring Cash-Flow Sources for Business Success\nPrivate equity can be a game-changer for a small business.\nWhile its financial muscle and strategic expertise can take your business to the next level, you should carefully consider whether private equity aligns with the specific needs and goals of your business.\nAfter all, private equity isn’t for everyone and there are certainly other cash-flow sources you can consider, but it’s well worth bearing in mind that private equity isn’t just for big businesses. It’s for small ones, too.\nPhoto: Getty Images"}</script> <script type="text/javascript" nonce="e31168ba4dd5e8aff88c02ac8cb3c79e" src="/S84Owcs50/f0fJKEh/rhzsoGn/DqWM/3wYG0QSzzDSzuJb7/Zmp6JgE/Vn/Q4JgRrXAY"></script></body> </html>

Pages: 1 2 3 4 5 6 7 8 9 10