CINXE.COM
Why 75% Of Businesses Aren’t Seeing ROI From AI Yet
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><title>Why 75% Of Businesses Aren’t Seeing ROI From AI Yet</title><link rel="preload" href="https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2" as="font" type="font/woff2"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/work-sans/worksans-regular-webfont.woff2" as="font" type="font/woff2"/><link rel="preload" href="https://imageio.forbes.com/specials-images/imageserve/679bc0f349c1dcbdef47556f/0x0.jpg?format=jpg&crop=3303,1859,x0,y202,safe" as="image"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf" as="font"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2" as="font"/><meta http-equiv="Content-Language" content="en_US"/><meta name="viewport" content="width=device-width,initial-scale=1,maximum-scale=5,minimum-scale=1,user-scalable=yes"/><meta name="description" itemProp="description" content="Also in the Forbes CIO newsletter: DeepSeek throws a grenade into the AI space, AI looms large in Microsoft And Meta earnings, AI moves Doomsday Clock closer to midnight."/><meta name="keywords" content="AI,BCG,Vladimir Lukic,DeepSeek,Microsoft,Meta,Doomsday Clock,China,panic,generative AI"/><meta name="robots" content="max-image-preview:large"/><meta property="og:site_name" content="Forbes"/><meta property="og:title" content="Why 75% Of Businesses Aren’t Seeing ROI From AI Yet"/><meta property="og:type" content="article"/><meta property="og:url" content="https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/"/><meta property="og:image" content="https://imageio.forbes.com/specials-images/imageserve/679bc0f349c1dcbdef47556f/0x0.jpg?format=jpg&crop=3303,1859,x0,y202,safe&height=900&width=1600&fit=bounds" name="image"/><meta property="og:image:type" content="image/jpeg"/><meta property="og:description" content="Also in the Forbes CIO newsletter: DeepSeek throws a grenade into the AI space, AI looms large in Microsoft And Meta earnings, AI moves Doomsday Clock closer to midnight."/><meta property="fb:app_id" content="123694841080850"/><meta property="article:publisher"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:site" content="@forbes"/><meta name="twitter:image" content="https://imageio.forbes.com/specials-images/imageserve/679bc0f349c1dcbdef47556f/0x0.jpg?format=jpg&crop=3303,1859,x0,y202,safe&height=600&width=1200&fit=bounds"/><meta name="twitter:title" content="Why 75% Of Businesses Aren’t Seeing ROI From AI Yet"/><meta name="twitter:description" content="Also in the Forbes CIO newsletter: DeepSeek throws a grenade into the AI space, AI looms large in Microsoft And Meta earnings, AI moves Doomsday Clock closer to midnight."/><meta itemProp="thumbnailURL"/><meta name="news_keywords" itemProp="keywords" content="AI,BCG,Vladimir Lukic,DeepSeek,Microsoft,Meta,Doomsday Clock,China,panic,generative AI"/><link rel="canonical" href="https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/"/><link rel="icon" href="https://i.forbesimg.com/48X48-F.png"/><link rel="alternate" type="application/rss+xml" title="Why 75% Of Businesses Aren’t Seeing ROI From AI Yet - RSS" href="https://www.forbes.com/sites/meganpoinski/feed/"/><link rel="apple-touch-icon" href="https://i.forbesimg.com/57X57-F.png"/><link rel="apple-touch-icon" sizes="72x72" href="https://i.forbesimg.com/72X72-F.png"/><link rel="apple-touch-icon" sizes="114x114" href="https://i.forbesimg.com/114X114-F.png"/><link rel="apple-touch-icon" sizes="144x144" href="https://i.forbesimg.com/144X144-F.png"/><meta name="referrer" content="no-referrer-when-downgrade"/><meta property="article:channel" itemProp="articleChannel" content="Newsletters"/><meta property="article:section" itemProp="articleSection" content="Newsletters"/><meta property="article:section_url" content="https://www.forbes.com/newsletters-old/"/><meta property="article:id" content="blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670"/><meta property="article:published" itemProp="datePublished" content="2025-01-30"/><meta property="article:modified" itemProp="dateModified" content="2025-01-30"/><meta property="article:author" content="Megan Poinski"/><meta name="author" itemProp="author" content="Megan Poinski"/><meta property="og:updated_time" content="2025-01-30T14:17:55.709-05:00"/><meta property="apple-itunes-app" content="app-id=588647136"/><meta name="next-head-count" content="46"/><style data-href="https://i.forbesimg.com/simple-site/_next/static/css/1317fb34cc984ac2.css">@layer garden{*,:after,:before{box-sizing:inherit}html{box-sizing:border-box}body{-moz-font-feature-settings:"kern";-webkit-font-feature-settings:"kern";font-feature-settings:"kern";-moz-osx-font-smoothing:grayscale;-webkit-font-smoothing:antialiased;font-family:Graphik,sans-serif;-moz-font-kerning:normal;-webkit-font-kerning:normal;font-kerning:normal;-moz-font-variant-ligatures:common-ligatures;-webkit-font-variant-ligatures:common-ligatures;font-variant-ligatures:common-ligatures;height:100%;line-height:1;margin:0;text-rendering:optimizelegibility;width:100%}article,aside,details,figcaption,figure,footer,header,hgroup,menu,nav,section{display:block}textarea{overflow:auto;resize:vertical;vertical-align:top}button,input,select,textarea{font:inherit}a{color:inherit;cursor:pointer}p a{color:#003891}p a:hover{text-decoration:underline}li{-webkit-font-smoothing:auto}ul{margin:0;padding:0}button{background:none;border:none;color:inherit;cursor:pointer;outline:none;padding:0}em,i{font-style:italic}b,strong{font-weight:700}table{border-collapse:collapse;border-spacing:0}img{max-width:100%}blockquote,dd,dl,figure,h1,h2,h3,h4,p{margin:0}[hidden]{display:none}}fbs-video .brightcove_perform{height:0;overflow:hidden;padding-bottom:56.25%;position:relative;width:100%}fbs-video .vjs-big-play-button .vjs-icon-placeholder:before{content:""!important}fbs-video .playable-rectangle .play-button-icon,fbs-video .playable-rectangle .vjs-big-play-button{background-color:#0000!important;box-shadow:none!important;font-family:Arial!important;height:0!important;left:50%!important;margin-left:0!important;margin-top:0!important;max-width:150px;min-width:30px;position:absolute;top:50%!important;transform:translate(-50%,-50%);width:20%!important}fbs-video .playable-rectangle .play-button-icon:after,fbs-video .playable-rectangle .play-button-icon:before,fbs-video .playable-rectangle .vjs-big-play-button:after,fbs-video .playable-rectangle .vjs-big-play-button:before{content:" ";display:block;margin-top:-50%;padding-top:100%;position:absolute;transition:all .2s ease-in-out;width:100%}fbs-video .playable-rectangle .play-button-icon:before,fbs-video .playable-rectangle .vjs-big-play-button:before{background:url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZpZXdCb3g9Ii0zMjAgMjMyIDE1MCAxNTAiPjxwYXRoIGQ9Ik0tMjQ1IDIzMmMtNDEuNCAwLTc1IDMzLjYtNzUgNzVzMzMuNiA3NSA3NSA3NSA3NS0zMy42IDc1LTc1LTMzLjYtNzUtNzUtNzV6Ii8+PC9zdmc+");opacity:.5}fbs-video .playable-rectangle .play-button-icon:after,fbs-video .playable-rectangle .vjs-big-play-button:after{background:url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZpZXdCb3g9Ii0zMjAgMjMyIDE1MCAxNTAiPjxwYXRoIHN0eWxlPSJmaWxsOiNmZmYiIGQ9Ik0tMjY0LjEgMzM5LjV2LTY1bDU2LjIgMzIuNXoiLz48L3N2Zz4=")}fbs-video .playable-rectangle:hover .play-button-icon:before,fbs-video .playable-rectangle:hover .vjs-big-play-button:before{transform:scale(0)}fbs-video .playable-rectangle:hover .play-button-icon:after,fbs-video .playable-rectangle:hover .vjs-big-play-button:after{transform:scale(2)}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:400;src:local(merriweather),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:SchnyderSBold;font-weight:700;src:local("Schnyder S Bold"),local("Schnyder-S-Bold"),url(https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf) format("opentype")}@font-face{font-display:swap;font-family:SchnyderSDemi;font-style:normal;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:GraphikWide;font-weight:600;src:url(https://i.forbesimg.com/assets/fonts/Graphik/GraphikWide-Semibold-Web.woff) format("woff")}@font-face{font-display:swap;font-family:GraphikWide;font-weight:700;src:url(https://i.forbesimg.com/assets/fonts/Graphik/GraphikWide-Bold-Web.woff) format("woff")}@font-face{font-display:swap;font-family:Merriweather;font-style:italic;font-weight:700;src:local("Merriweather Bold Italic"),local("Merriweather-BoldItalic"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bolditalic-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:700;src:local("Merriweather Bold"),local("Merriweather-Bold"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:italic;font-weight:400;src:local("Merriweather Italic"),local("Merriweather-Italic"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-italic-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:400;src:local("Merriweather"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:600;src:local("Work Sans SemiBold"),local("WorkSans-SemiBold"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_600_latin_ext.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:600;src:local("Work Sans SemiBold"),local("WorkSans-SemiBold"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_600_latin.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:400;src:local("Work Sans"),local("WorkSans-Regular"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_400_latin_ext.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:400;src:local("Work Sans"),local("WorkSans-Regular"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_400_latin.woff2) format("woff2")}@font-face{font-display:block;font-family:EuclidCircularB;font-style:normal;font-weight:700;src:local("EuclidCircular Bold"),local("EuclidCircular-Bold"),local("EuclidCircularB"),url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Bold.otf) format("opentype")}@font-face{font-display:block;font-family:EuclidCircularSB;font-weight:600;src:local("EuclidCircularSB"),local("EuclidCircular Semi Bold"),local("EuclidCircular-Semi-Bold"),url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Semibold.otf) format("opentype")}@font-face{font-display:block;font-family:EuclidCircular;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Regular.otf) format("opentype")}@font-face{font-family:Graphik Wide;font-style:normal;font-weight:600;src:url(https://i.forbesimg.com/assets/fonts/graphik-wide/graphik-wide-semibold.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Regular-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:500;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Medium-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:600;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Semibold-Web.woff2) format("woff2")}@font-face{font-display:block;font-family:SchnyderL demi;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/SchnyderL-Demi.otf) format("opentype")}@font-face{font-family:Schnyder S;font-weight:700;src:url(https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf) format("opentype")}@font-face{font-display:block;font-family:SchnyderS demi;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("woff2")}@font-face{font-family:Schnyder Cond S;font-style:normal;font-weight:700;src:url(https://i.forbesimg.com/assets/fonts/schnyder-cond/schnyder-cond-bold.woff2) format("woff2")}@font-face{font-family:Schnyder Cond S;font-style:normal;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/schnyder-cond/schnyder-cond-light.woff2) format("woff2")}@font-face{ascent-override:68%;descent-override:0%;font-family:GeorgiaCustom;line-gap-override:2%;size-adjust:110%;src:local(Georgia)}#lanyard_root * #banner-title{font:600 18px/24px Graphik,Helvetica}#lanyard_root * #banner-description{font:400 14px/20px Graphik,Helvetica}#lanyard_root * #preference-title{font:600 36px/48px Graphik,Helvetica}#lanyard_root * #prefrence-description{font:400 12px/16px Graphik,Helvetica}#lanyard_root * #modal-title{font:600 18px/24px Graphik,Helvetica}#lanyard_root * #modal-description{font:400 12px/16px Graphik,Helvetica}#lanyard_root * div[class*=switch__]:focus-within,#lanyard_root :focus-visible{outline:3px solid #4285f4}.summaryIcon path{fill:#0062ff}.highlightText{-webkit-tap-highlight-color:rgba(0,0,0,0);background-color:#ebf2ff;cursor:pointer;padding:.27em .6em .26em 0;position:relative}.highlightText button{color:#003891;display:contents}.highlightText:hover{background-color:#e5efff}.highlightText:active{background-color:#e0ecff}@media screen and (max-width:480px){.highlightText{padding:.26em .26em .26em 0!important}}.highlightIcon{display:inline-block;height:1em;position:relative;width:2px}@media screen and (max-width:480px){.highlightIcon{width:10px}}.highlightIcon svg{height:10px;margin-left:-2px;position:absolute;top:2px;width:14px}@media screen and (max-width:480px){.highlightIcon svg{margin-left:-4px}}.highlightIcon svg g,.highlightIcon svg path{fill:#0062ff}/*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) */fbs-carousel{display:block}.fbs-slider{max-width:100%;position:relative;width:100%}.fbs-slider--initialized .fbs-slider__controls{display:block}.fbs-slider--initialized .fbs-slider__slide{float:left;min-height:1px;overflow:hidden}.fbs-slider--no-controls .fbs-slider__controls{display:none}.fbs-slider__slides-wrapper{margin:0 80px;overflow:hidden}.fbs-slider__slides{transition:none}.fbs-slider__slides.is-animating{transition:all .5s ease}.fbs-slider__controls{display:none}.fbs-slider__controls button{background:#181716;border-radius:50%;box-shadow:0 0 50px #0003;color:#fff;cursor:pointer;display:flex;height:64px;justify-content:center;opacity:.7;position:absolute;top:45%;width:64px}.fbs-slider__controls button.disabled{color:#ccc}.fbs-slider__controls .fbs-slider__control-left{left:30px}.fbs-slider__controls .fbs-slider__control-right{right:30px}.fbs-slider__controls .fs-icon{fill:currentColor;width:24px}@media (max-width:1023px)and (min-width:769px){.fbs-slider__controls .fbs-slider__control-left{left:15px}.fbs-slider__controls .fbs-slider__control-right{right:15px}}@media(max-width:479px){html:has(.noScroll){overflow:hidden}}.ha__ribbon{position:sticky!important;top:unset!important}body{-webkit-font-smoothing:antialiased;background-color:#fcfcfc;margin:0;overflow-x:hidden;padding:0}body>iframe{display:none}#et-toolbar ol,#et-toolbar ul{list-style:none;padding-left:0}.et-on body{overflow:visible}.et-on .et-promoblock-star-item .star{bottom:0;margin-left:0!important;position:absolute}.no-overflow{overflow:hidden}.d-flex{display:flex}.d-none{display:none}.m-auto{margin:auto}.fs-premium{width:100%!important}</style><style data-href="https://i.forbesimg.com/simple-site/_next/static/css/1cacfc6deea2c745.css">@layer garden{.smP7p--o{background:#f0f0f0;color:#333;min-height:200px;padding:0 32px}@media (min-width:480px){.smP7p--o{padding:0}}.BawX4lOf{padding-bottom:120px}._1FviBxkI{padding-top:26px}.RS-LXz9z,._1FviBxkI{align-items:center;display:flex;flex-direction:column}.RS-LXz9z{border-bottom:1px solid #e3e3e3;padding-bottom:12px;width:100%}.Shi6M7tj{height:33px;margin-bottom:16px}.Shi6M7tj svg{fill:#181716;width:120px}.QUZBXqTw{font:10px Graphik,helvetica,sans-serif;text-align:center}.V2fcZocW{align-items:center;display:flex;flex-direction:column;font:14px Graphik,helvetica,sans-serif;list-style:none;margin:0;padding:16px;text-align:center}@media (min-width:480px){.V2fcZocW{display:block;padding:16px 32px}}.v0KZSSFF,.wYCSe4n6{padding:10px 0}@media (min-width:480px){.v0KZSSFF,.wYCSe4n6{padding:0 5px}}.v0KZSSFF{color:#333;text-decoration:none}.wYCSe4n6{display:inline-block;margin:0}}@layer garden{@media (max-width:479px){html.noScroll{overflow:hidden!important}}html.noScroll body{overflow:hidden!important}@media (max-width:479px){html.noScroll body{overflow:visible!important}}._5jL4nbZg{align-items:center;background-color:#171717;color:#171717;display:flex;flex-flow:row nowrap;height:56px;justify-content:space-between;position:relative;width:100%}@media (max-width:1023px){._5jL4nbZg{border-bottom:1px inset #333}}@media (min-width:1024px){._5jL4nbZg:after{content:" ";display:block;height:2px;left:0;position:absolute;right:0;top:56px}}.LE8pB25c{display:none}@media (min-width:1024px){.LE8pB25c{display:block}}.ABr9cx9r,.nKfcv-Ux,.wOXWlwEZ{display:flex;flex-flow:column wrap;justify-content:center}.nKfcv-Ux{align-items:flex-start;flex-flow:row}.ABr9cx9r{align-items:center;display:flex;flex-direction:row;left:47px;position:absolute}@media (min-width:480px){.ABr9cx9r{left:62px}}@media (min-width:1024px){.ABr9cx9r{left:50%;transform:translate(-50%)}}@media (max-width:1023px){.ABr9cx9r{flex-direction:row-reverse}}@media (max-width:479px){.ABr9cx9r{left:50px}}.wOXWlwEZ{align-items:flex-end;z-index:1}._1NZmb47g svg{fill:#fff;height:24px;width:63px}@media (min-width:480px){._1NZmb47g svg{height:24px;width:80px}}@media (min-width:1024px){._1NZmb47g svg{height:28px;width:104px}}.pPmmgJQD{background:none;border:0;cursor:pointer;display:flex;flex-direction:row;height:100%;margin-right:16px;outline:none;padding:0;white-space:nowrap}@media (min-width:480px){.pPmmgJQD{margin-right:32px}}.pPmmgJQD svg{fill:#333;width:30px}.pPmmgJQD path{fill:#fff;stroke:#fff}.K8E0pmcH{background:none;border:0;border-radius:50%;color:#fff;cursor:pointer;display:flex;font-family:sans-serif;font-size:100%;line-height:1.15;margin-right:16px;outline:none;position:relative}@media (min-width:480px){.K8E0pmcH{padding:8px}.K8E0pmcH:hover{background-color:#383838}}.K8E0pmcH .fs-icon--search,.K8E0pmcH .search_svg__fs-icon{fill:#fff;width:24px}.K8E0pmcH .fs-icon--search circle,.K8E0pmcH .search_svg__fs-icon circle{stroke:#fff}.K8E0pmcH .fs-icon--sparkles,.K8E0pmcH .sparkles_svg__fs-icon{height:18px;position:absolute;right:-6px;top:-6px;width:18px}@media (min-width:480px){.K8E0pmcH .fs-icon--sparkles,.K8E0pmcH .sparkles_svg__fs-icon{right:2px;top:2px}}.t5vQ80cK{display:flex;flex:1}.qWN3kcjB{align-items:center;display:flex;font-size:14px;justify-content:right;min-height:56px;min-width:225px}.eDqiJJ2t{display:none}.eDqiJJ2t.U8EUTM2k,.eDqiJJ2t:hover{display:block}@media (min-width:1024px){.eDqiJJ2t:hover:after{content:" ";display:block;height:2px;left:0;position:absolute;right:0;top:56px}}.rraJLRQU{align-items:center;display:flex;height:56px}@media (min-width:480px){.rraJLRQU{position:relative}}._00AX4IpY{background-color:initial;border:0;cursor:pointer;font:12px Graphik,helvetica,sans-serif;outline:none}@media (min-width:480px){._00AX4IpY{font-size:14px}}@media (min-width:768px){._00AX4IpY:hover~.eDqiJJ2t{display:block}}@media (min-width:1024px){._00AX4IpY:hover:after{content:" ";display:block;height:2px;left:0;position:absolute;right:0;top:56px}}.QOiWaRFM{align-items:center;background:none;border:0;color:#fff;cursor:pointer;font:14px Graphik,helvetica,sans-serif;margin-right:24px;outline:none;padding:0;white-space:nowrap}.QOiWaRFM:hover{text-decoration:underline}@media (max-width:479px){.QOiWaRFM{font-size:12px;margin-right:16px}}.paTN5R7V{background-color:#242424;color:#fff;display:flex;flex-direction:column;left:0;margin:0;padding:0;position:absolute;right:0;text-align:left;top:56px}.paTN5R7V a:last-of-type{padding-bottom:17px}@media (min-width:480px){.paTN5R7V{left:auto;right:32px;width:264px}}.dE7Pw5db{background:none;border:0;color:inherit;cursor:pointer;display:flex;font:16px/1.375 Graphik,helvetica,sans-serif;letter-spacing:-.2px;outline:none;padding:9px 16px;text-decoration:none}.dE7Pw5db:last-child{padding:17px 16px}.MWmOgFc9{color:#bca35b;display:inline-block;font:600 14px/1.375 Graphik,helvetica,sans-serif;letter-spacing:.5px;margin-bottom:8px}.-XtX5Ulr{align-items:baseline;display:flex;flex-direction:column;padding:16px 16px 8px}@media (min-width:480px){.-XtX5Ulr{padding-top:24px}}.nsFdUuXU{display:flex;flex-wrap:wrap;font:700 26px/31.2px SchnyderSDemi,Times New Roman,serif;letter-spacing:.2px;white-space:pre;width:100%}.gPb97RFz{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.U1DpGihW:focus,.U1DpGihW:hover{text-decoration:none}.qaKFdvYl{border-top:1px solid #737373;color:inherit}.mg7sMAfM{margin:0 16px}.GeqwIyqb{align-items:center;align-self:center;background-color:#dc0000;border:0;border-radius:8px;color:#fff;cursor:pointer;display:flex;font:600 12px/16px Graphik,helvetica,sans-serif;height:32px;justify-content:center;letter-spacing:-.2px;margin-right:16px;outline:none;padding:10px 8px;text-align:center;text-decoration:none}.GeqwIyqb:hover{background-color:#c20000}@media (min-width:480px){.GeqwIyqb{font-size:14px;height:40px;line-height:22px;margin-right:32px;padding:9px 16px}}.Tr39rH1r{display:none}._17vDq6wa svg{fill:#fff}.BmefNpol svg{fill:#737373}svg.j-8HLFO2{fill:#fff;height:15px;width:20px}.kre2rEuj:after{display:block}.EYqOBdug{border-left:1px solid #333;padding-left:12px}.-N2Qj2aF{align-items:center;display:inline-flex;padding-left:8px}.-N2Qj2aF svg{fill:currentcolor;height:24px;width:24px}@media (max-width:1023px){.Tr39rH1r{display:flex}.nKfcv-Ux{flex:0;margin-right:1rem}.ABr9cx9r{align-items:flex-start}._6iObgz9n .v5qNsLKM,._6iObgz9n:hover .v5qNsLKM{display:none}.vVZa2t9Y{pointer-events:none}}}@layer garden{._5MfnUGiW{align-items:center;color:#fff;display:flex;font:16px/16px Graphik,helvetica,sans-serif;height:40px;margin-left:16px;text-decoration:none}._5MfnUGiW:hover{text-decoration:underline!important}.jyxDkm4x{display:block;padding-top:4px}.jyxDkm4x svg{fill:#fff;display:block;height:16px;width:16px}.tzX7W8zX{display:block;font-size:14px;font-weight:400;letter-spacing:-.2px;line-height:16px;margin-right:8px}@media (max-width:479px){.tzX7W8zX{font-weight:600}}}@layer garden{.iZO2H1AS{display:block;margin-bottom:5px}.iZO2H1AS span{font-size:18px}.iZO2H1AS span:nth-child(2){padding-top:6px}.iZO2H1AS svg{height:24px;width:24px}@media (min-width:1024px){.iZO2H1AS{display:none}}.gumnNos8{margin-left:16px;margin-top:5px}.dN9h-rXs{align-items:center;display:flex;flex-flow:row nowrap;padding-left:16px}@media (max-width:1023px){.dN9h-rXs{padding-left:1rem}}@media (max-width:479px){.dN9h-rXs{padding-left:16px}}.USVF4LaM{align-items:center;border-radius:50%;cursor:pointer;display:flex;justify-content:center}@media (min-width:480px){.USVF4LaM{padding:8px}.USVF4LaM:hover{background-color:#383838}}.USVF4LaM svg{fill:#fff;width:23px}@media (min-width:480px){.USVF4LaM svg{width:24px}}@keyframes _3rGzcfsn{0%{transform:translate(-280px)}to{transform:none}}@keyframes Gvc13T9u{0%{transform:none}to{transform:translate(-280px)}}@media (max-width:1023px){@keyframes _3rGzcfsn{0%{transform:translate(-304px)}to{transform:none}}@keyframes Gvc13T9u{0%{transform:none}to{transform:translate(-304px)}}}.J80tatyc{animation:Gvc13T9u .2s ease-in both;height:100vh;left:0;position:absolute;top:56px}.J80tatyc._7NaedbvZ{animation:_3rGzcfsn .3s ease-out both}.R0tvspq-{display:flex;justify-content:space-between;width:100%}@media (max-width:1023px){.ZLRzxr3m{display:flex}.pByIWUpp{flex:0;margin-right:1rem}.Vcuosc4D{align-items:flex-start}.dN9h-rXs .ydtLHqts,.dN9h-rXs:hover .ydtLHqts{display:none}.pRMH86kL{pointer-events:none}}}@layer garden{.LYbP3oHd{background:#171717;flex-flow:column nowrap;height:calc(100vh - 56px);margin:0;padding:16px 0 11px;width:280px}.JZpuzF4t{height:100%;overflow:hidden;padding-right:20px}.JZpuzF4t,.ZGJ--TCc{display:flex;width:100%}.ZGJ--TCc{flex-flow:column nowrap;height:calc(100vh - 106px);margin:0;overflow-x:hidden;overflow-y:scroll;padding:0;scrollbar-width:none}.ZGJ--TCc::-webkit-scrollbar{display:none}.IQGeVfxX{height:100%}@media (max-width:1023px){.LYbP3oHd{background-color:#171717;left:0;padding:5px 0 0;width:304px}.ZGJ--TCc{padding:0 0 190px;position:relative}.ZGJ--TCc>li>ul{overflow-y:hidden}.IQGeVfxX{margin:12px 0 0 -16px}}}@layer garden{.QpfB0oZe{display:flex;justify-content:space-between;letter-spacing:-.2px;list-style:none;max-width:100%;word-break:normal}.QpfB0oZe,.QpfB0oZe a,.QpfB0oZe button{font-family:Graphik,helvetica,sans-serif;text-decoration:none}.QpfB0oZe a,.QpfB0oZe button{color:#fcfcfc}.QpfB0oZe a{display:block;width:100%}.QpfB0oZe ._35-x6PHh{display:none;padding:13px 0 13px 16px}.QpfB0oZe ._35-x6PHh .-gQStZbT{color:#bbb;font:600 16px/1.38 Graphik,helvetica,sans-serif}.QpfB0oZe svg{fill:#fff;cursor:pointer;height:24px;vertical-align:middle;width:24px}.f3-P7qdF{align-items:center;display:flex;justify-content:space-between;width:100%}.G-fdXOrK,.NUJKAyGe{display:none}.ocPoioVz{color:#fcfcfc;font-size:18px;line-height:24px;padding:12px 16px}.ocPoioVz a,.ocPoioVz button{color:inherit;font-size:inherit}@media (min-width:1024px){.ocPoioVz:focus-within .G-fdXOrK,.ocPoioVz:hover .G-fdXOrK{display:flex;left:280px;position:absolute;top:0}.ocPoioVz:active,.ocPoioVz:hover{background-color:#ffffff14}}@media (min-width:1440px){.ocPoioVz{padding-left:24px}}.m8U3dnD2{color:#fcfcfc;font-size:14px;padding:9px 10px 9px 16px}.m8U3dnD2 a,.m8U3dnD2 button{color:inherit;font-size:inherit}.m8U3dnD2:hover{background-color:#ffffff0a}.dzq--44-{color:#fcfcfc;font-size:10px;line-height:1.2;padding:12px 14px}.dzq--44- a,.dzq--44- button{color:inherit;font-size:inherit}.Gs7SZLA4,.dKko5w95{display:none}._4r-DvsBQ{height:18px;width:18px}@media (max-width:1023px){.QpfB0oZe{background-color:get-color("site-black");padding-right:8px}.QpfB0oZe ._35-x6PHh,.ol1jAoex{display:block}.ol1jAoex{background-color:#171717;height:200vh;margin-left:-16px;position:absolute;top:0;width:100%}.ol1jAoex a{pointer-events:none}.HsDj10Wf,.HsDj10Wf:active,.HsDj10Wf:hover{background-color:#171717;padding-bottom:0;position:absolute;width:100%}.HsDj10Wf .f3-P7qdF,.HsDj10Wf:active .f3-P7qdF,.HsDj10Wf:hover .f3-P7qdF{flex-direction:row-reverse;justify-content:flex-start}.HsDj10Wf .Gs7SZLA4,.HsDj10Wf:active .Gs7SZLA4,.HsDj10Wf:hover .Gs7SZLA4{display:block;height:18px;left:-6px;position:relative;width:18px}.tpRLYIkD{align-items:center;display:flex;font-weight:600;padding:12px 8px 12px 10px}.tpRLYIkD svg{margin-right:8px}.A6l1kjob{background-color:#171717;display:block;margin:0 0 0 -16px;position:fixed;top:0;z-index:1}.NUJKAyGe{align-items:center;cursor:pointer;display:flex;padding:20px 0 13px 10px}.NUJKAyGe svg{margin-right:8px}}}@layer garden{.ZCZCinQE{color:#bbb;font-size:12px}[data-theme=dark]{--fbs-text-primary:#fff;--fbs-text-secondary:#bbb;--fbs-surface-disabled:unset;--fbs-icons-disabled:#7b7b7b;--fbs-icons-fill:#4285f4;--fill-background-color:unset}[data-theme=light]{--fbs-text-primary:#333;--fbs-text-secondary:#737373;--fbs-surface-disabled:#f0f0f0;--fbs-icons-disabled:#bbb;--fbs-icons-fill:#007ac8}.Na3NTglQ{color:#737373;font-family:Graphik,helvetica,sans-serif;letter-spacing:-.2px;line-height:16px;min-height:20px}.Na3NTglQ._51GWpoAk{font-size:12px}.Na3NTglQ.nAWUpAKB{font-size:14px}.Na3NTglQ.Pzzl7kAi{font-size:16px}._4tin10wS{color:#333;display:inline-block;font-weight:600;text-decoration:none;text-transform:capitalize}._4tin10wS,.ujvJmzbB{margin-right:5px}.MN11Q1kr{color:#737373;font:italic 400 12px/16px Georgia,Cambria,Times New Roman,Times,serif;letter-spacing:-.2px}.if9PFZGp{color:#bbb}.if9PFZGp span div{box-shadow:none;color:#171717}.if9PFZGp ._4tin10wS{color:#fff}.if9PFZGp .MN11Q1kr{color:#bbb}._9uH1L-MC ._4tin10wS,._9uH1L-MC .ujvJmzbB{color:var(--fbs-text-primary);font:400 12px/18px Graphik,helvetica,sans-serif;margin-right:4px}._9uH1L-MC .AtUb4gy8{color:var(--fbs-text-secondary);font:400 12px/18px Graphik,helvetica,sans-serif}._3XBIQGxd{margin:0;padding:0}.U40pFDrj{-webkit-font-smoothing:auto;font:12px/16px Graphik,helvetica,sans-serif;letter-spacing:-.2px;margin:4px 0;padding:8px 9px 8px 40px}.U40pFDrj:hover{background-color:#ffffff0a}.w0vu6Ki4{display:none}.MriTJdJU{display:block}.G9049W9y{align-items:center;box-sizing:initial;display:flex;font-family:Graphik,helvetica,sans-serif;justify-content:center;width:100%}.G9049W9y>fbs-ad{position:relative;text-align:center;width:100%}.-f56S99-,.D5qUsYLg>fbs-ad{min-height:66px}._1apm68B5>fbs-ad,._58TEnws->fbs-ad{min-height:250px}.ohv2Kw5V>fbs-ad{max-height:100px;min-height:50px}.-pNJMgij{align-items:flex-start;min-width:160px;position:relative}.SfBp78q9{padding-top:20px}.SfBp78q9>:before{color:#737373;content:"Advertisement";display:flex;font-size:10px;left:50%;margin-top:-20px;position:absolute;text-transform:uppercase;transform:translate(-50%)}.uUw53xCb>fbs-ad:before{color:#bbb}._4YqZ5gz6,.ef7tZD8z{height:MAX(290px,calc(22vw + 40px))}.ef7tZD8z{background-color:#fcfcfc;border-bottom:1px solid #e2e2e2;display:flex;flex-direction:column;overflow-y:hidden;padding-top:10px;text-align:left}.ef7tZD8z._92DsJTzS{justify-content:space-evenly;padding-top:0}.C-4VNeks{background-color:#f4f4f4}._5An39fFS{left:0;position:fixed;width:100%}._5An39fFS.KlTcxENj{position:sticky}.eDvOrxX2{height:0;overflow:hidden;position:absolute}._4-3bY6mv{padding-top:20px}}@layer garden{@keyframes j2Jqwe5b{0%{animation-timing-function:step-end;opacity:0}to{opacity:1}}.qG26paB6>:before{animation:j2Jqwe5b 1s}.uyQBPKoN{font-weight:400;margin:0 0 13px 80px}._0Ldka37b{margin:0 24px;position:relative}._0Ldka37b:after{background:linear-gradient(90deg,#fcfcfc00,#fcfcfc);bottom:0;content:" ";opacity:0;pointer-events:none;position:absolute;right:56px;top:0;transition:opacity .3s;width:15%;z-index:1}._0Ldka37b.Fntcsvtq:after{opacity:1;transition:opacity .3s}.QOeT3C2M{display:block;margin:0}.QOeT3C2M:disabled{visibility:hidden}.QOeT3C2M.jzPe8As0{margin-right:24px}.QOeT3C2M.-ad9vR9E{margin-left:24px}.QOeT3C2M>svg{fill:#737373}}@layer garden{@media (max-width:767px){.uyQBPKoN{margin-left:24px}._0Ldka37b:after{right:0}.QOeT3C2M{display:none}}}@layer garden{.DW9ax7M6{background-color:#737373;color:#fff;display:inline-block;font:600 10px/2.4 Graphik,helvetica,sans-serif;padding:0 16px;text-align:center;text-decoration:none;text-transform:uppercase}.DW9ax7M6.cSw--35G{display:block;font-size:14px;letter-spacing:.5px;line-height:22px;padding-block:5px}@media (max-width:479px){.DW9ax7M6.cSw--35G{font-size:10px;line-height:12px;padding-block:6px}}}@layer garden{@font-face{font-family:swiper-icons;font-style:normal;font-weight:400;src:url(data:application/font-woff;charset=utf-8;base64,\ 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)}:root{--swiper-theme-color:#007aff}.swiper{list-style:none;margin-left:auto;margin-right:auto;overflow:hidden;padding:0;position:relative;z-index:1}.swiper-vertical>.swiper-wrapper{flex-direction:column}.swiper-wrapper{box-sizing:initial;display:flex;height:100%;position:relative;transition-property:transform;width:100%;z-index:1}.swiper-android .swiper-slide,.swiper-wrapper{transform:translateZ(0)}.swiper-pointer-events{touch-action:pan-y}.swiper-pointer-events.swiper-vertical{touch-action:pan-x}.swiper-slide{flex-shrink:0;height:100%;position:relative;transition-property:transform;width:100%}.swiper-slide-invisible-blank{visibility:hidden}.swiper-autoheight,.swiper-autoheight .swiper-slide{height:auto}.swiper-autoheight .swiper-wrapper{align-items:flex-start;transition-property:transform,height}.swiper-backface-hidden .swiper-slide{-webkit-backface-visibility:hidden;backface-visibility:hidden;transform:translateZ(0)}.swiper-3d,.swiper-3d.swiper-css-mode .swiper-wrapper{perspective:1200px}.swiper-3d .swiper-cube-shadow,.swiper-3d .swiper-slide,.swiper-3d .swiper-slide-shadow,.swiper-3d .swiper-slide-shadow-bottom,.swiper-3d .swiper-slide-shadow-left,.swiper-3d .swiper-slide-shadow-right,.swiper-3d .swiper-slide-shadow-top,.swiper-3d .swiper-wrapper{transform-style:preserve-3d}.swiper-3d .swiper-slide-shadow,.swiper-3d .swiper-slide-shadow-bottom,.swiper-3d .swiper-slide-shadow-left,.swiper-3d .swiper-slide-shadow-right,.swiper-3d .swiper-slide-shadow-top{height:100%;left:0;pointer-events:none;position:absolute;top:0;width:100%;z-index:10}.swiper-3d .swiper-slide-shadow{background:#00000026}.swiper-3d .swiper-slide-shadow-left{background-image:linear-gradient(270deg,#00000080,#0000)}.swiper-3d .swiper-slide-shadow-right{background-image:linear-gradient(90deg,#00000080,#0000)}.swiper-3d .swiper-slide-shadow-top{background-image:linear-gradient(0deg,#00000080,#0000)}.swiper-3d .swiper-slide-shadow-bottom{background-image:linear-gradient(180deg,#00000080,#0000)}.swiper-css-mode>.swiper-wrapper{-ms-overflow-style:none;overflow:auto;scrollbar-width:none}.swiper-css-mode>.swiper-wrapper::-webkit-scrollbar{display:none}.swiper-css-mode>.swiper-wrapper>.swiper-slide{scroll-snap-align:start start}.swiper-horizontal.swiper-css-mode>.swiper-wrapper{scroll-snap-type:x mandatory}.swiper-vertical.swiper-css-mode>.swiper-wrapper{scroll-snap-type:y mandatory}.swiper-centered>.swiper-wrapper:before{content:"";flex-shrink:0;order:9999}.swiper-centered.swiper-horizontal>.swiper-wrapper>.swiper-slide:first-child{margin-inline-start:var(--swiper-centered-offset-before)}.swiper-centered.swiper-horizontal>.swiper-wrapper:before{height:100%;min-height:1px;width:var(--swiper-centered-offset-after)}.swiper-centered.swiper-vertical>.swiper-wrapper>.swiper-slide:first-child{margin-block-start:var(--swiper-centered-offset-before)}.swiper-centered.swiper-vertical>.swiper-wrapper:before{height:var(--swiper-centered-offset-after);min-width:1px;width:100%}.swiper-centered>.swiper-wrapper>.swiper-slide{scroll-snap-align:center center;scroll-snap-stop:always}.swiper-virtual .swiper-slide{-webkit-backface-visibility:hidden;transform:translateZ(0)}.swiper-virtual.swiper-css-mode .swiper-wrapper:after{content:"";left:0;pointer-events:none;position:absolute;top:0}.swiper-virtual.swiper-css-mode.swiper-horizontal .swiper-wrapper:after{height:1px;width:var(--swiper-virtual-size)}.swiper-virtual.swiper-css-mode.swiper-vertical .swiper-wrapper:after{height:var(--swiper-virtual-size);width:1px}:root{--swiper-navigation-size:44px}.swiper-button-next,.swiper-button-prev{align-items:center;color:var(--swiper-navigation-color,var(--swiper-theme-color));cursor:pointer;display:flex;height:var(--swiper-navigation-size);justify-content:center;margin-top:calc(0px - var(--swiper-navigation-size)/2);position:absolute;top:50%;width:calc(var(--swiper-navigation-size)/44*27);z-index:10}.swiper-button-next.swiper-button-disabled,.swiper-button-prev.swiper-button-disabled{cursor:auto;opacity:.35;pointer-events:none}.swiper-button-next.swiper-button-hidden,.swiper-button-prev.swiper-button-hidden{cursor:auto;opacity:0;pointer-events:none}.swiper-navigation-disabled .swiper-button-next,.swiper-navigation-disabled .swiper-button-prev{display:none!important}.swiper-button-next:after,.swiper-button-prev:after{font-family:swiper-icons;font-size:var(--swiper-navigation-size);font-variant:normal;letter-spacing:0;line-height:1;text-transform:none!important}.swiper-button-prev,.swiper-rtl .swiper-button-next{left:10px;right:auto}.swiper-button-prev:after,.swiper-rtl .swiper-button-next:after{content:"prev"}.swiper-button-next,.swiper-rtl .swiper-button-prev{left:auto;right:10px}.swiper-button-next:after,.swiper-rtl .swiper-button-prev:after{content:"next"}.swiper-button-lock{display:none}.swiper-pagination{position:absolute;text-align:center;transform:translateZ(0);transition:opacity .3s;z-index:10}.swiper-pagination.swiper-pagination-hidden{opacity:0}.swiper-pagination-disabled>.swiper-pagination,.swiper-pagination.swiper-pagination-disabled{display:none!important}.swiper-horizontal>.swiper-pagination-bullets,.swiper-pagination-bullets.swiper-pagination-horizontal,.swiper-pagination-custom,.swiper-pagination-fraction{bottom:10px;left:0;width:100%}.swiper-pagination-bullets-dynamic{font-size:0;overflow:hidden}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet{position:relative;transform:scale(.33)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active,.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-main{transform:scale(1)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-prev{transform:scale(.66)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-prev-prev{transform:scale(.33)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-next{transform:scale(.66)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-next-next{transform:scale(.33)}.swiper-pagination-bullet{background:var(--swiper-pagination-bullet-inactive-color,#000);border-radius:50%;display:inline-block;height:var(--swiper-pagination-bullet-height,var(--swiper-pagination-bullet-size,8px));opacity:var(--swiper-pagination-bullet-inactive-opacity,.2);width:var(--swiper-pagination-bullet-width,var(--swiper-pagination-bullet-size,8px))}button.swiper-pagination-bullet{-webkit-appearance:none;-moz-appearance:none;appearance:none;border:none;box-shadow:none;margin:0;padding:0}.swiper-pagination-clickable .swiper-pagination-bullet{cursor:pointer}.swiper-pagination-bullet:only-child{display:none!important}.swiper-pagination-bullet-active{background:var(--swiper-pagination-color,var(--swiper-theme-color));opacity:var(--swiper-pagination-bullet-opacity,1)}.swiper-pagination-vertical.swiper-pagination-bullets,.swiper-vertical>.swiper-pagination-bullets{right:10px;top:50%;transform:translate3d(0,-50%,0)}.swiper-pagination-vertical.swiper-pagination-bullets .swiper-pagination-bullet,.swiper-vertical>.swiper-pagination-bullets .swiper-pagination-bullet{display:block;margin:var(--swiper-pagination-bullet-vertical-gap,6px) 0}.swiper-pagination-vertical.swiper-pagination-bullets.swiper-pagination-bullets-dynamic,.swiper-vertical>.swiper-pagination-bullets.swiper-pagination-bullets-dynamic{top:50%;transform:translateY(-50%);width:8px}.swiper-pagination-vertical.swiper-pagination-bullets.swiper-pagination-bullets-dynamic .swiper-pagination-bullet,.swiper-vertical>.swiper-pagination-bullets.swiper-pagination-bullets-dynamic .swiper-pagination-bullet{display:inline-block;transition:transform .2s,top .2s}.swiper-horizontal>.swiper-pagination-bullets .swiper-pagination-bullet,.swiper-pagination-horizontal.swiper-pagination-bullets .swiper-pagination-bullet{margin:0 var(--swiper-pagination-bullet-horizontal-gap,4px)}.swiper-horizontal>.swiper-pagination-bullets.swiper-pagination-bullets-dynamic,.swiper-pagination-horizontal.swiper-pagination-bullets.swiper-pagination-bullets-dynamic{left:50%;transform:translate(-50%);white-space:nowrap}.swiper-horizontal>.swiper-pagination-bullets.swiper-pagination-bullets-dynamic .swiper-pagination-bullet,.swiper-pagination-horizontal.swiper-pagination-bullets.swiper-pagination-bullets-dynamic .swiper-pagination-bullet{transition:transform .2s,left .2s}.swiper-horizontal.swiper-rtl>.swiper-pagination-bullets-dynamic .swiper-pagination-bullet{transition:transform .2s,right .2s}.swiper-pagination-progressbar{background:#00000040;position:absolute}.swiper-pagination-progressbar .swiper-pagination-progressbar-fill{background:var(--swiper-pagination-color,var(--swiper-theme-color));height:100%;left:0;position:absolute;top:0;transform:scale(0);transform-origin:left top;width:100%}.swiper-rtl .swiper-pagination-progressbar .swiper-pagination-progressbar-fill{transform-origin:right top}.swiper-horizontal>.swiper-pagination-progressbar,.swiper-pagination-progressbar.swiper-pagination-horizontal,.swiper-pagination-progressbar.swiper-pagination-vertical.swiper-pagination-progressbar-opposite,.swiper-vertical>.swiper-pagination-progressbar.swiper-pagination-progressbar-opposite{height:4px;left:0;top:0;width:100%}.swiper-horizontal>.swiper-pagination-progressbar.swiper-pagination-progressbar-opposite,.swiper-pagination-progressbar.swiper-pagination-horizontal.swiper-pagination-progressbar-opposite,.swiper-pagination-progressbar.swiper-pagination-vertical,.swiper-vertical>.swiper-pagination-progressbar{height:100%;left:0;top:0;width:4px}.swiper-pagination-lock{display:none}.swiper-scrollbar{background:#0000001a;border-radius:10px;position:relative;-ms-touch-action:none}.swiper-scrollbar-disabled>.swiper-scrollbar,.swiper-scrollbar.swiper-scrollbar-disabled{display:none!important}.swiper-horizontal>.swiper-scrollbar,.swiper-scrollbar.swiper-scrollbar-horizontal{bottom:3px;height:5px;left:1%;position:absolute;width:98%;z-index:50}.swiper-scrollbar.swiper-scrollbar-vertical,.swiper-vertical>.swiper-scrollbar{height:98%;position:absolute;right:3px;top:1%;width:5px;z-index:50}.swiper-scrollbar-drag{background:#00000080;border-radius:10px;height:100%;left:0;position:relative;top:0;width:100%}.swiper-scrollbar-cursor-drag{cursor:move}.swiper-scrollbar-lock{display:none}.swiper-zoom-container{align-items:center;display:flex;height:100%;justify-content:center;text-align:center;width:100%}.swiper-zoom-container>canvas,.swiper-zoom-container>img,.swiper-zoom-container>svg{max-height:100%;max-width:100%;object-fit:contain}.swiper-slide-zoomed{cursor:move}.swiper-lazy-preloader{border-radius:50%;border:4px solid var(--swiper-preloader-color,var(--swiper-theme-color));border-top:4px solid #0000;box-sizing:border-box;height:42px;left:50%;margin-left:-21px;margin-top:-21px;position:absolute;top:50%;transform-origin:50%;width:42px;z-index:10}.swiper-watch-progress .swiper-slide-visible .swiper-lazy-preloader,.swiper:not(.swiper-watch-progress) .swiper-lazy-preloader{animation:swiper-preloader-spin 1s linear infinite}.swiper-lazy-preloader-white{--swiper-preloader-color:#fff}.swiper-lazy-preloader-black{--swiper-preloader-color:#000}@keyframes TX0-ctJF{0%{transform:rotate(0)}to{transform:rotate(1turn)}}.swiper .swiper-notification{left:0;opacity:0;pointer-events:none;position:absolute;top:0;z-index:-1000}.swiper-free-mode>.swiper-wrapper{margin:0 auto;transition-timing-function:ease-out}.swiper-grid>.swiper-wrapper{flex-wrap:wrap}.swiper-grid-column>.swiper-wrapper{flex-direction:column;flex-wrap:wrap}.swiper-fade.swiper-free-mode .swiper-slide{transition-timing-function:ease-out}.swiper-fade .swiper-slide{pointer-events:none;transition-property:opacity}.swiper-fade .swiper-slide .swiper-slide{pointer-events:none}.swiper-fade .swiper-slide-active,.swiper-fade .swiper-slide-active .swiper-slide-active{pointer-events:auto}.swiper-cube{overflow:visible}.swiper-cube .swiper-slide{-webkit-backface-visibility:hidden;backface-visibility:hidden;height:100%;pointer-events:none;transform-origin:0 0;visibility:hidden;width:100%;z-index:1}.swiper-cube .swiper-slide .swiper-slide{pointer-events:none}.swiper-cube.swiper-rtl .swiper-slide{transform-origin:100% 0}.swiper-cube .swiper-slide-active,.swiper-cube .swiper-slide-active .swiper-slide-active{pointer-events:auto}.swiper-cube .swiper-slide-active,.swiper-cube .swiper-slide-next,.swiper-cube .swiper-slide-next+.swiper-slide,.swiper-cube .swiper-slide-prev{pointer-events:auto;visibility:visible}.swiper-cube .swiper-slide-shadow-bottom,.swiper-cube .swiper-slide-shadow-left,.swiper-cube .swiper-slide-shadow-right,.swiper-cube .swiper-slide-shadow-top{-webkit-backface-visibility:hidden;backface-visibility:hidden;z-index:0}.swiper-cube .swiper-cube-shadow{bottom:0;height:100%;left:0;opacity:.6;position:absolute;width:100%;z-index:0}.swiper-cube .swiper-cube-shadow:before{background:#000;bottom:0;content:"";filter:blur(50px);left:0;position:absolute;right:0;top:0}.swiper-flip{overflow:visible}.swiper-flip .swiper-slide{-webkit-backface-visibility:hidden;backface-visibility:hidden;pointer-events:none;z-index:1}.swiper-flip .swiper-slide .swiper-slide{pointer-events:none}.swiper-flip .swiper-slide-active,.swiper-flip .swiper-slide-active .swiper-slide-active{pointer-events:auto}.swiper-flip .swiper-slide-shadow-bottom,.swiper-flip .swiper-slide-shadow-left,.swiper-flip .swiper-slide-shadow-right,.swiper-flip .swiper-slide-shadow-top{-webkit-backface-visibility:hidden;backface-visibility:hidden;z-index:0}.swiper-creative .swiper-slide{-webkit-backface-visibility:hidden;backface-visibility:hidden;overflow:hidden;transition-property:transform,opacity,height}.swiper-cards{overflow:visible}.swiper-cards .swiper-slide{-webkit-backface-visibility:hidden;backface-visibility:hidden;overflow:hidden;transform-origin:center bottom}.voMge9br{display:flex;position:relative}@media (max-width:767px){.voMge9br{flex-wrap:wrap}}._9VVNs0BB{align-self:center}.qgFn6u-q{margin:auto 16px auto auto;order:1}@media (max-width:767px){.qgFn6u-q{order:2}}.BQQd8g4A{margin:auto auto auto 16px;order:3}.Wich2Jyw{order:2;width:100%}@media (max-width:767px){.Wich2Jyw{order:1}.Wich2Jyw.mNLBF-bv{margin-bottom:16px}}.QPxhP0hs{display:block;height:100%;width:100%}.wKMckZhE{transition:none!important}.XWIoBJcs{background-color:#e3e3e3;border-radius:50%;cursor:pointer;display:inline-block;height:8px;width:8px}.E7MrQ8Y3{background-color:#737373}._-7DhN-cb{bottom:-24px;display:flex;gap:8px;left:50%;position:absolute;transform:translate(-50%);z-index:2}.JULvqjXa{align-items:center;background:none;border:1px solid #0000;border-radius:50%;display:flex;justify-content:center;margin:4px;padding:7px}.JULvqjXa svg{min-width:16px}.JULvqjXa:focus-visible{box-shadow:inset 0 0 .5px #007ac8;outline:3px solid #007ac8}._1Dl6Y2Kb svg{height:16px;width:16px}.f79QY-7J svg{height:24px;width:24px}._5CBu2WYB svg{height:32px;width:32px}.K55B6PbF svg{fill:#fff}.K55B6PbF._7zkbhAtG{background-color:#000}}@layer garden{@media (hover:hover){.K55B6PbF:hover{background:#202020}}.K55B6PbF:active{background:#242424;box-shadow:none}.K55B6PbF:focus{background:#202020;border-color:#000}.TVxEFOXb svg{fill:#333}.TVxEFOXb._7zkbhAtG{background-color:#fcfcfc}@media (hover:hover){.TVxEFOXb:hover{background:#eaeaea}}.TVxEFOXb:active{background:#e6e6e6;box-shadow:none}.TVxEFOXb:focus{border-color:#fff}.TVxEFOXb:disabled{cursor:default;pointer-events:none}.TVxEFOXb:disabled svg{opacity:.4}.K55B6PbF:disabled{cursor:default;pointer-events:none}.K55B6PbF:disabled svg{opacity:.4}.zkbhIIYL{align-self:center;font-weight:300;position:relative}.zkbhIIYL svg{fill:currentcolor;margin-left:4px;max-height:10px;opacity:.8;top:50%;transform:translateY(9.5%);width:10px}.zkbhIIYL svg path{fill:currentcolor;transform:scale(1.633) translate(-21%,-21%)}.zkbhIIYL .FlEs-i3G{align-items:center;bottom:35px;cursor:pointer;display:none;left:50%;margin-bottom:-18px;transform:translate(-50%)}.zkbhIIYL .FlEs-i3G.NCZi24ww{bottom:auto;top:20px}.zkbhIIYL .FlEs-i3G.Q16y-ZSe{bottom:10px;left:20px;transform:none}.zkbhIIYL .FlEs-i3G.-E3NQNhB{bottom:10px;left:auto;right:20px;transform:none}.zkbhIIYL .FlEs-i3G._4rbSpMRi{display:block}.KHW7iZYa{--bg-color:#fff;--text-color:#333}.syWbMdxx{--bg-color:#000;--text-color:#bbb}.LjRUXB48{background-color:var(--bg-color);box-shadow:0 4px 8px #3333331a;color:var(--text-color);cursor:default;font:10px/12px Graphik,helvetica,sans-serif;letter-spacing:-.2px;padding:8px 12px;position:absolute;white-space:nowrap;width:auto}.Ccg9Ib-7{-webkit-box-orient:vertical;display:-webkit-box;overflow-y:hidden}.ycHdAQ4U{color:#737373;font:400 12px/1.57 Graphik,helvetica,sans-serif;letter-spacing:-.2px}.PRnAoHbo{margin-bottom:14px;max-height:145px;max-width:258px;position:relative}.K5nxnYv4{height:0;overflow:hidden;padding-bottom:56.25%;position:relative;width:100%}.F10qGe1-{height:100%!important;object-fit:cover}.F10qGe1-,.fcivtp2G{left:0;position:absolute;top:0;width:100%}.fcivtp2G{align-items:flex-end;display:flex;height:100%;text-decoration:none}.BoqYdKC-{padding:10px}.ACd7taGv{display:block;font-size:10px;line-height:14px}.gHlz0tIc{color:#333;font:500 14px/24px Graphik,helvetica,sans-serif;text-decoration:none}.gHlz0tIc:hover{text-decoration:underline}.Y0c5cdo-{color:#fff;font:600 12px/14px Graphik,helvetica,sans-serif;letter-spacing:1.6px;padding:10px}.Y0c5cdo- svg path{fill:currentcolor}._0UnCgPRj{align-items:center;display:inline-flex;letter-spacing:.5px}.p0qmWero{text-transform:uppercase}.Io6anw8a{display:inline-flex}.WS7L-h1G{font:600 10px/12px Graphik,helvetica,sans-serif}.WS7L-h1G svg{height:9px;margin:0 5.5px;width:12px}.VkUETck5{font:600 12px/16px Graphik,helvetica,sans-serif}.VkUETck5 svg{height:12px;margin:0 6px;width:12px}.RHoDXwy0{font:600 14px/22px Graphik,helvetica,sans-serif}.RHoDXwy0 svg{height:13.5px;margin:0 6.5px;width:13.5px}.ac1mEM8u{color:#fff}.ac1mEM8u svg path{fill:#fff}._8ywwnd0e{color:#171717}.jAruffk8{background:#e3e3e3;bottom:0;left:0;min-height:50px;opacity:0;padding-top:0;text-align:center;transition:opacity .5s linear;visibility:hidden;width:100%}.nZUM0Wqd{opacity:1;visibility:visible}.cosaBQbE{display:none}.DrqcpbOB{align-items:center;background:inherit;border:0;border-radius:50%;display:flex;flex-direction:column;height:38px;justify-content:flex-start;position:absolute;right:10px;top:-19px;width:38px;z-index:-1}.DrqcpbOB:before{display:none}.DrqcpbOB>svg{fill:#737373;height:15px;margin-top:5px;width:15px}}</style><style data-href="https://i.forbesimg.com/simple-site/_next/static/css/2545c3c21512813a.css">@layer garden{.KChd-Vju,._6Q2IDc-r,._8cjw-SPU{align-items:center;display:flex}._8cjw-SPU{font:12px/18px Graphik,helvetica,sans-serif;text-decoration:none;text-transform:uppercase}@media (max-width:479px){._8cjw-SPU{font-size:10px;line-height:15px}}.fTSKiIOA{color:#737373}._2uHcUdeI{color:#bbb}.isDg-4PG{color:currentcolor;cursor:pointer;text-decoration:inherit}.KChd-Vju svg{fill:currentcolor;height:16px;margin-inline:4px;position:relative;width:16px}.SwHG6sB2{align-items:center;background-color:#fcfcfc;border-radius:50%;cursor:pointer;display:flex;justify-content:center;margin-right:8px}.SwHG6sB2:hover{background-color:#f0f0f0}.SwHG6sB2:active{background-color:#d6d6d6}.SwHG6sB2 svg{fill:#0000000a;stroke:#007ac8;height:18px;width:18px}.SwHG6sB2._3azkPcHz svg{fill:#007ac8}.SwHG6sB2[disabled]{pointer-events:none}.SwHG6sB2[disabled] svg{stroke:#bbb}.SwHG6sB2[disabled] span{color:#bbb}._18BedXz4{align-items:center;background:none;border:1px solid;border-color:inherit;border-radius:8px;display:inline-flex;font-family:Graphik,helvetica,sans-serif;font-stretch:normal;font-style:normal;font-weight:600;justify-content:center;text-decoration:none}.Sn26m-xQ.st6yY9Jv{background:#333;border-color:#333;color:#fff}.Sn26m-xQ.st6yY9Jv:hover{background:#242424;border-color:#242424}.Sn26m-xQ.st6yY9Jv:active{background:#171717;border-color:#171717}.Sn26m-xQ.st6yY9Jv:disabled,.Sn26m-xQ.st6yY9Jv:disabled:hover{background:#f0f0f0;border-color:#f0f0f0;color:#bbb;cursor:not-allowed}.Sn26m-xQ.j-3rjz0y{background:#fff;border-color:#333;color:#333}.Sn26m-xQ.j-3rjz0y:hover{background:#f0f0f0}.Sn26m-xQ.j-3rjz0y:active{background:#e3e3e3}.Sn26m-xQ.j-3rjz0y:disabled,.Sn26m-xQ.j-3rjz0y:disabled:hover{background:#fcfcfc;border-color:#e3e3e3;color:#bbb;cursor:not-allowed}._9gE86Z3W.st6yY9Jv{background:#dc0000;border-color:#dc0000;color:#fff}._9gE86Z3W.st6yY9Jv:hover{background:#bd0000;border-color:#bd0000}._9gE86Z3W.st6yY9Jv:active{background:#a40000;border-color:#a40000}._9gE86Z3W.st6yY9Jv:disabled,._9gE86Z3W.st6yY9Jv:disabled:hover{background:#f0f0f0;border-color:#f0f0f0;color:#bbb;cursor:not-allowed}._9gE86Z3W.j-3rjz0y{background:#007ac8;border-color:#007ac8;color:#fff}._9gE86Z3W.j-3rjz0y:hover{background:#0067a9;border-color:#0067a9}._9gE86Z3W.j-3rjz0y:active{background:#005890;border-color:#005890}._9gE86Z3W.j-3rjz0y:disabled,._9gE86Z3W.j-3rjz0y:disabled:hover{background:#f0f0f0;border-color:#f0f0f0;color:#bbb;cursor:not-allowed}._9gE86Z3W.Nd7xMFo8{background:#fff;border-color:#007ac8;color:#007ac8}._9gE86Z3W.Nd7xMFo8:hover{background:#f0f0f0}._9gE86Z3W.Nd7xMFo8:active{background:#e3e3e3}._9gE86Z3W.Nd7xMFo8:disabled,._9gE86Z3W.Nd7xMFo8:disabled:hover{background:#fcfcfc;border-color:#e3e3e3;color:#bbb;cursor:not-allowed}.zfmcPBtS{font-size:12px;height:32px;padding:8px 16px}.HYxwiAla{font-size:14px;height:40px;padding:11px 16px}.iWceBwQC{font-size:14px;height:48px;padding:15px 32px}._06KkGaU5{align-self:center;height:24px;margin-right:16px;width:24px}._06KkGaU5 svg>*{fill:currentcolor}.sElHJWe4{align-items:center;background-color:#fcfcfc;border-radius:50%;cursor:pointer;display:flex;justify-content:center;padding:8px}.sElHJWe4:hover{background-color:#f0f0f0}.sElHJWe4:active{background-color:#d6d6d6}.sElHJWe4._0YX29K8j{border-radius:16px}.sElHJWe4 svg{fill:#0000000a;stroke:#007ac8;stroke-width:2;height:18px;width:18px}.sElHJWe4.-AgvXsMp svg{fill:#007ac8}.sElHJWe4[disabled]{pointer-events:none}.sElHJWe4[disabled] svg{stroke:#bbb}.sElHJWe4[disabled] span{color:#bbb}.IHojBFcO{color:#007ac8;font:600 12px/16px Graphik,helvetica,sans-serif;margin-left:8px}}@layer garden{@media (max-width:479px){.T4NV9J7O{bottom:0;left:0;position:fixed;z-index:1}.T4NV9J7O,.ik-pNYwi{height:100vh;width:100vh}.ik-pNYwi{background-color:#333;opacity:90%}}.Dpsg3yht{position:relative}.sTVDLFT0{border-radius:50%;height:32px;width:32px}.sTVDLFT0:hover{background-color:#f0f0f0}.sTVDLFT0:active{background-color:#e3e3e3}.sTVDLFT0 svg{width:16px}.ZPwyttXZ{background:#fff;box-shadow:0 4px 8px #3333331a;display:flex;flex-direction:column;max-height:380px;position:absolute;top:-24px;width:375px;z-index:1}@media (max-width:479px){.ZPwyttXZ{bottom:0;left:0;top:auto;width:100vw}}@media (min-width:480px){.mOgCFT9S{right:0}.QQtnB0fi{left:-25px}}._5fYTtOJN{width:16px}._0f6MpxqY{display:flex;height:fit-content;justify-content:space-between;padding:16px;width:100%}.YPqpgUNF{color:#333;font:600 14px/22px Graphik,helvetica,sans-serif;letter-spacing:-.2px}.tv6ikQte{display:flex;flex-direction:column;height:100%;overflow:auto}.rhJs1L7Z{align-items:center;color:#333;display:flex;font:400 14px/22px Graphik,helvetica,sans-serif;height:56px;letter-spacing:-.2px;padding:8px 24px;width:100%}.rhJs1L7Z:hover{background-color:#f0f0f0}.rhJs1L7Z:active{background-color:#e3e3e3}.JjmlppCP{align-items:center;border-radius:50%;color:currentcolor;cursor:pointer;display:flex;height:40px;justify-content:center;min-width:40px;transition:all 0s ease-in-out;width:40px}.JjmlppCP,.JjmlppCP:active,.JjmlppCP:hover{background-color:inherit}.JjmlppCP svg{height:24px;min-width:24px;width:24px}._4l27W979{color:currentcolor;padding-left:16px;text-align:left;width:100%}._5OtTccMZ{align-items:center;background-color:#171717;display:flex;flex-direction:column;gap:16px;padding:16px;width:100%}.ee8ROvNB{color:#fff;font:600 14px/22px Graphik,helvetica,sans-serif;letter-spacing:-.2px}.BEtEK-iG{background:#dc0000;font-size:12px;height:32px;line-height:16px;text-align:center}[data-theme=dark]{--active-fill-background-color:#737373;--fill-background-color:#333;--hover-fill-background-color:#292929;--svg-fill-color:#fff;--svg-stork-color:#fff}[data-theme=light]{--active-fill-background-color:#e3e3e3;--fill-background-color:#fcfcfc;--hover-fill-background-color:#f0f0f0;--svg-fill-color:#333;--svg-stork-color:#333}._7L8rncyg{align-items:center;border-radius:50%;cursor:pointer;display:flex;height:40px;justify-content:center;transition:all .2s ease-in-out;width:40px}}@layer garden{@media (max-width:767px){._7L8rncyg{height:32px;width:32px}}._7L8rncyg svg{fill:var(--svg-fill-color);height:24px;width:24px}._7L8rncyg svg [stroke]{stroke:var(--svg-stork-color)}@media (max-width:767px){._7L8rncyg svg{height:16px;width:16px}}._7L8rncyg._57ZdkZp-{background-color:var(--fill-background-color)}._7L8rncyg:hover{background-color:var(--hover-fill-background-color)}._7L8rncyg:active{background-color:var(--active-fill-background-color)}}@keyframes spin{to{transform:rotate(1turn)}}.tf-v1-popup{align-items:center;background:#000000bf;display:flex;height:100%;justify-content:center;left:0;position:fixed;top:0;transition:opacity .25s ease-in-out;width:100%;z-index:10001}.tf-v1-popup .tf-v1-iframe-wrapper{min-height:360px;min-width:360px;position:relative;transition:opacity .25s ease-in-out}.tf-v1-popup .tf-v1-iframe-wrapper iframe{border:none;border-radius:8px;height:100%;overflow:hidden;width:100%}.tf-v1-popup .tf-v1-close{background:none;border:none;border-radius:0;color:#000;cursor:pointer;display:block;font-size:32px;font-weight:400;height:24px;line-height:24px;margin:0;opacity:.75;padding:0;position:absolute;right:0;text-align:center;text-decoration:none;text-transform:none;top:-34px;transition:opacity .25s ease-in-out;width:24px}.tf-v1-popup .tf-v1-close:hover{opacity:1}@media(min-width:481px){.tf-v1-popup .tf-v1-close{color:#fff!important}}.tf-v1-popup .tf-v1-spinner{animation:spin 1s linear infinite;border-radius:.5em;border:3px solid #aaa;border-top-color:#fff;box-sizing:border-box;font-size:40px;height:1em;left:50%;margin:-20px 0 0 -20px;position:absolute;top:50%;width:1em}@media(max-width:480px){.tf-v1-popup{height:100%!important;width:100%!important}.tf-v1-popup .tf-v1-iframe-wrapper{min-height:100%;min-width:100%;position:relative;transition:opacity .25s ease-in-out}.tf-v1-popup .tf-v1-iframe-wrapper iframe{border-radius:0}.tf-v1-popup .tf-v1-close{background:none;border:none;border-radius:0;color:#000;cursor:pointer;display:block;font-size:32px;font-weight:400;height:24px;line-height:24px;margin:0;opacity:.75;padding:0;position:absolute;right:8px;text-align:center;text-decoration:none;text-transform:none;top:6px;transition:opacity .25s ease-in-out;width:24px}.tf-v1-popup .tf-v1-close:hover{opacity:1}}@media(max-width:480px)and (min-width:481px){.tf-v1-popup .tf-v1-close{color:#fff!important}}@layer garden{.U0YTAmO6{background-color:#000;height:100vh;left:0;opacity:.32;right:0;top:0}.U0YTAmO6,.jBamXdd5{position:fixed;z-index:1000}.jBamXdd5{background:#fcfcfc;border:1px solid #e3e3e3;border-radius:8px;left:50%;max-width:343px;top:50%;transform:translate(-50%,-50%);width:100%}@media (min-width:768px){.jBamXdd5{max-width:469px}}.APWpKPVR{position:absolute;right:16px;top:14px}.APWpKPVR svg{fill:#333;height:16px;width:16px}@media (min-width:768px){.APWpKPVR{fill:#737373;right:8px;top:8px}}.mbc8Zk6Q{align-items:center;color:#737373;display:flex;font:500 14px/21px Graphik,helvetica,sans-serif;gap:2px;height:21px;justify-content:flex-start;margin:16px 12px 8px}.mbc8Zk6Q svg{height:12px;width:12px}.mbc8Zk6Q path{fill:#0062ff}@media (min-width:768px){.mbc8Zk6Q{gap:4px}}._3j8CgDUI{color:#333;display:flex;flex-direction:column;font:400 16px/24px Graphik,helvetica,sans-serif;gap:16px;padding-inline:16px}.JUtFcWni{background:#e3e3e3;height:1px;width:100%}.YM6Cb204{align-items:flex-start;display:flex;flex-direction:column;gap:17px;padding-bottom:16px}.YM6Cb204 a{-webkit-box-orient:vertical;-webkit-line-clamp:2;color:#003891;display:-webkit-box;overflow:hidden;text-decoration:none;width:100%;word-break:break-word}.aeeovfX6{color:#737373;font:400 10px/15px Graphik,helvetica,sans-serif;padding:8px}.IRCX0wvk{color:#333}.C0wKioGe{border-color:#e3e3e3;border-radius:4px;border-style:solid;display:flex;flex-direction:column;padding:12px 16px}.fnddqn9p{cursor:pointer;display:flex;justify-content:space-between}.TkW4vaIQ{align-items:center;gap:6px}.TkW4vaIQ,._9qTjg8jV{display:flex}._9qTjg8jV svg{height:12px;width:12px}.Z-JpptZ8{font:500 18px/28px Graphik,helvetica,sans-serif}._2z4PlAid{align-self:center;height:24px}._2z4PlAid svg{fill:#333;width:24px}.lB2w736P svg{transform:rotate(180deg)}.abc0fWMQ{display:flex;flex-direction:column;gap:8px;max-height:fit-content;overflow:hidden;transition:height .3s ease-out}._5O9qZVBy{font:400 17px/27px Graphik,helvetica,sans-serif;padding-top:8px}}@layer garden{@media (max-width:479px){._5O9qZVBy{font:400 16px/24px Graphik,helvetica,sans-serif}}.Eei3XQ3u{margin-left:18px}.Eei3XQ3u li::marker{font-size:16px}.uqa-Whlh{color:#737373;font:400 12px/18px Graphik,helvetica,sans-serif}.UESAChoI{font-family:Graphik,helvetica,sans-serif;font-weight:400;letter-spacing:-.2px}.CzkiM8n0{font-size:14px;line-height:1.57}.GTdYVAD-{font-size:12px;line-height:1.14}.ef-LuL5Q{font-size:10px;line-height:.85}.DUvhMuD-{font-weight:600}.VS6hgTWe{color:#737373}.rUwwgEfN{color:#bbb}.V1JqN3zp{color:#171717}.jXtOyWXF{color:#fcfcfc}[data-theme=light]{--background-color:#fcfcfc;--background-color-hover:#f0f0f0;--background-color-active:#e3e3e3;--text-color-primary:#333;--text-color-secondary:#737373}[data-theme=dark]{--background-color:#171717;--background-color-hover:#292929;--background-color-active:#333;--text-color-primary:#fff;--text-color-secondary:#bbb}._4nAHeGGm{background-color:var(--background-color);color:inherit;display:flex;flex:1;min-width:max-content}._1Dj82Ru-{max-width:fit-content;padding:8px}._1Dj82Ru-:hover{background-color:var(--background-color-hover)}._1Dj82Ru-:active{background-color:var(--background-color-active)}.LWABc3Lg{flex-grow:1;gap:8px}.LWABc3Lg,.W8GXPF-Z{display:flex}.X2BBPxjH{height:24px;object-fit:contain;width:16px}.zF6q35ZJ{height:40px;width:40px}.b0Fo6UgE{align-self:center;height:20px;width:20px}.c-xeoyd5{display:flex;flex:1;flex-direction:column;font-size:12px;gap:2px}._2G6GMgcY{gap:4px}.CVQOXYrQ{text-decoration:none}.CVQOXYrQ:hover{cursor:pointer;text-decoration:underline;text-decoration-color:var(--text-color-primary)}.dYroCHZK{display:flex;flex-direction:column;gap:2px}._2G6GMgcY .dYroCHZK{flex-direction:row;gap:4px}._7QWNCNBY{color:var(--text-color-primary);font:500 16px/24px Graphik,helvetica,sans-serif}._2G6GMgcY ._7QWNCNBY{font:500 12px/18px Graphik,helvetica,sans-serif}.PE0CwW1X{color:var(--text-color-secondary);font:500 14px/21px Graphik,helvetica,sans-serif;text-transform:uppercase}.NvuTop9A,._2G6GMgcY .PE0CwW1X{font:400 12px/18px Graphik,helvetica,sans-serif}.NvuTop9A{align-items:center;display:flex;flex-direction:row;gap:4px}._1mXsQ1Yt{color:var(--text-color-primary);font-weight:500}._2G6GMgcY ._1mXsQ1Yt{font-weight:400}.MQ8YSO4F{color:#3ed170}._2COw2MPF{color:#ff7a7a}.CB4iRY3-{color:var(--text-color-primary)}.i6-LxkXR{align-self:center;height:48px;width:78px}.LzN-3SCW{display:block;font-family:Graphik,helvetica,sans-serif;height:auto;width:100%}[data-theme=light]{--background-color:#fcfcfc;--background-color-hover:#f0f0f0;--background-color-active:#e3e3e3;--text-color-primary:#333;--text-color-secondary:#737373}[data-theme=dark]{--background-color:#171717;--background-color-hover:#292929;--background-color-active:#333;--text-color-primary:#fff;--text-color-secondary:#bbb}.rf--20Ww{border:solid var(--background-color-active);border-width:0 0 1px 1px;display:flex}._9-I7-GeA{border-right:1px solid var(--background-color-active)}[data-theme=light]{--background-color:#fcfcfc;--background-color-hover:#f0f0f0;--background-color-active:#e3e3e3;--text-color-primary:#333;--text-color-secondary:#737373}[data-theme=dark]{--background-color:#171717;--background-color-hover:#292929;--background-color-active:#333;--text-color-primary:#fff;--text-color-secondary:#bbb}[data-size=dropdown]{--container-gap-lg:16px;--container-gap-sm:8px;--container-width-lg:194px;--container-width-sm:126px;--wrapper-padding-inline-lg:24px;--wrapper-padding-inline-sm:16px}[data-size=single]{--container-gap-lg:0;--container-gap-sm:0;--container-width-lg:142px;--container-width-sm:87px;--wrapper-padding-inline-lg:24px;--wrapper-padding-inline-sm:24px}.x3HlpnP5{position:relative;text-decoration:none}.iuuU8V0u{background-color:var(--background-color);border-bottom:1px solid var(--background-color-active);color:var(--text-color-primary);display:flex;height:56px;justify-content:center;min-width:var(--container-width-lg);width:fit-content}.iuuU8V0u:hover{background-color:var(--background-color-hover);cursor:pointer;text-decoration:underline}}@layer garden{@media (max-width:479px){.iuuU8V0u{min-width:var(--container-width-sm)}}.o5C9CMoX{display:block;text-decoration:none}.rvXnh6TK{display:inline}@media (max-width:479px){.rvXnh6TK{display:none}}._0xHjcCD8{display:none;letter-spacing:.5px}@media (max-width:479px){._0xHjcCD8{display:inline}}.QccJ5RMz{align-items:center;display:flex;font:400 14px/21px Graphik,helvetica,sans-serif;justify-content:space-between;padding-block:10px;padding-inline:var(--wrapper-padding-inline-lg);text-decoration:none}.QccJ5RMz:hover{background-color:var(--background-color-hover);cursor:pointer;text-decoration:underline}@media (max-width:479px){.QccJ5RMz{padding-inline:var(--wrapper-padding-inline-sm)}}.HN-8XiOj{background-color:var(--background-color);box-shadow:0 5px 15px #0000001a;color:var(--text-color-primary);display:none;flex-direction:column;padding-block:8px}._0bb2J-vj,.opncDPUQ{display:flex}.opncDPUQ{align-items:center;font:500 14px/21px Graphik,helvetica,sans-serif;gap:var(--container-gap-lg);width:100%}@media (max-width:479px){.opncDPUQ{gap:var(--container-gap-sm)}}.SxhJV1p6{fill:var(--text-color-primary);height:20px;width:20px}[data-theme=light]{--background-color:#fff;--text-color:#333;--hover-background-color:#f0f0f0;--primary-border-color:#e3e3e3;--secondary-border-color:#171717;--box-shadow-color:0,0,0}[data-theme=dark]{--background-color:#171717;--text-color:#fff;--hover-background-color:#333;--primary-border-color:#4d4d4d;--secondary-border-color:#fcfcfc;--box-shadow-color:255,255,255}._3m-Shs-i{background:var(--background-color);display:flex;flex-direction:column;position:relative;width:100%}}@layer garden{@media (min-width:1024px){._3m-Shs-i{border:var(--primary-border-color) solid;border-width:1px 0;flex-direction:row;justify-content:space-between}}.jvca6FUq{align-items:center;display:flex;line-height:0;margin:10px 16px}@media (min-width:480px){.jvca6FUq{margin:10px 29px}}@media (min-width:768px){.jvca6FUq{margin:16px 29px}}.jvca6FUq svg{height:15px}@media (min-width:768px){.jvca6FUq svg{height:22px}}.s4eF0ZZ9{align-items:center;border:var(--primary-border-color) solid;border-width:1px 0;display:flex;font-family:Graphik,helvetica,sans-serif;gap:24px;height:54px;overflow-x:auto;padding:0 16px}.s4eF0ZZ9 a{text-decoration:none}.s4eF0ZZ9::-webkit-scrollbar{display:none}@media (min-width:1024px){.s4eF0ZZ9{border:none}}@media (min-width:768px){.s4eF0ZZ9{justify-content:right}}@media (min-width:480px){.s4eF0ZZ9{gap:64px;padding:0 32px 0 29px}}.WSrIUjch{justify-content:left}.Gpl7mqLo{justify-content:right}._4Ex7hj4K{justify-content:center}.zpfBWCA3{justify-content:space-between}[data-theme=light]{--background-color:#fff;--text-color:#333;--hover-background-color:#f0f0f0;--primary-border-color:#e3e3e3;--secondary-border-color:#171717;--box-shadow-color:0,0,0}[data-theme=dark]{--background-color:#171717;--text-color:#fff;--hover-background-color:#333;--primary-border-color:#4d4d4d;--secondary-border-color:#fcfcfc;--box-shadow-color:255,255,255}.jQpuOHCa{align-items:center;border-top:2px solid #0000;display:flex;flex-shrink:0;font-size:14px;height:100%;line-height:1.43;text-transform:capitalize}.jQpuOHCa button{cursor:pointer}.jQpuOHCa button:focus-visible{outline:auto}.jQpuOHCa.Vc23XPIg{font-weight:600}.AnLdUWuU{align-items:center;border-bottom:2px solid #0000;color:var(--text-color);display:flex;height:100%}.U7OCDadb{font:10px/12px Graphik,helvetica,sans-serif;letter-spacing:.5px;margin-left:4px;text-transform:uppercase}}@layer garden{@media (hover:hover){._1WOOm6d2 .AnLdUWuU:hover{border-bottom-color:var(--secondary-border-color)}}.Vc23XPIg .AnLdUWuU,._2swowWeH .AnLdUWuU{border-bottom-color:var(--secondary-border-color)}[data-theme=light]{--background-color:#fff;--text-color:#333;--hover-background-color:#f0f0f0;--primary-border-color:#e3e3e3;--secondary-border-color:#171717;--box-shadow-color:0,0,0}[data-theme=dark]{--background-color:#171717;--text-color:#fff;--hover-background-color:#333;--primary-border-color:#4d4d4d;--secondary-border-color:#fcfcfc;--box-shadow-color:255,255,255}.JH9I81RM .RrnQxaUT,.zGbmVzPB .RrnQxaUT{border-bottom-color:var(--secondary-border-color)}.q9m9-Q3-{border-top:1px solid var(--primary-border-color);display:block;position:absolute;width:343px}.q9m9-Q3- .B2XIXZB2{background-color:var(--background-color);border-radius:4px;box-shadow:0 5px 15px rgba(var(--box-shadow-color),.1);margin:0;max-height:244px;overflow-y:auto;padding:8px 0}}@layer garden{@media (max-width:1023px){.q9m9-Q3-{left:0;width:100%}}.r0bgsTul{color:var(--text-color);font:14px/22px Graphik,helvetica,sans-serif;letter-spacing:-.2px;list-style-type:none}.r0bgsTul a{color:inherit;display:block;padding:8px 16px;width:100%}.r0bgsTul:hover{background-color:var(--hover-background-color)}.r0bgsTul.zGbmVzPB{font-weight:600}.egznaaaI{font-size:12px}.c5H6PPAS{font-size:14px}._7mgWRihE{position:absolute}.ZwVm05m9{text-transform:none}.p9hjoHLX{background-color:#007ac8;border-radius:6px;color:#fff;font:700 12px/1.9 Graphik,helvetica,sans-serif;margin-top:15px;padding:12px;position:absolute;transition:opacity .3s;white-space:break-spaces;width:262px;z-index:1}.p7flfBaw{position:relative}.p7flfBaw svg{fill:#fff;cursor:pointer;height:14px;position:absolute;right:-6px;top:-8px;width:14px}.WE0DewuZ{font-weight:400;line-height:16px}.uwkcTYjT{background:none;border:none;color:#fff;font-weight:700;outline:none;padding:0;text-decoration:underline}._1XnDV7Kl{border:5px solid;border-color:#0000 #0000 #007ac8;bottom:100%;content:"";position:absolute}.bIlBkgqj{left:46px}.VzoDYEdZ{left:calc(100% - 46px)}.mDZGoGEp{left:50%}}</style><style data-href="https://i.forbesimg.com/simple-site/_next/static/css/a9911ffbb8bb131e.css">.LBhHB{display:flex;flex-direction:column;max-width:100%;min-height:100vh}._uBnY{transform:translateX(300px)}.p5_3X{width:100%/*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) */}@font-face{font-family:forbesicon;font-style:normal;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.eot);src:url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.eot?#iefix) format("embedded-opentype"),url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.woff) format("woff"),url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.ttf) format("truetype"),url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.svg#forbesicon) format("svg")}@media screen and (-webkit-min-device-pixel-ratio:0){@font-face{font-family:forbesicon;src:url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.svg#forbesicon) format("svg")}}.p5_3X .icon:before{-moz-osx-font-smoothing:grayscale;-webkit-font-smoothing:antialiased;font-smoothing:antialiased;speak:none;display:inline-block;font-family:forbesicon;font-style:normal;font-variant:normal;font-weight:400;line-height:1;text-decoration:inherit;text-rendering:optimizeLegibility;text-transform:none}.p5_3X .icon-add-person:before{content:""}.p5_3X .icon-amazon:before{content:""}.p5_3X .icon-arrow-down:before{content:""}.p5_3X .icon-arrow-down-bar:before{content:""}.p5_3X .icon-arrow-up:before{content:""}.p5_3X .icon-authorvoice:before{content:""}.p5_3X .icon-badge:before{content:""}.p5_3X .icon-baidu:before{content:""}.p5_3X .icon-book:before{content:""}.p5_3X .icon-brandvoice-logo:before{content:""}.p5_3X .icon-brandvoice-logo-brand:before{content:""}.p5_3X .icon-brandvoice-logo-voice:before{content:""}.p5_3X .icon-calendar:before{content:""}.p5_3X .icon-cart:before{content:""}.p5_3X .icon-chat:before{content:""}.p5_3X .icon-check:before{content:""}.p5_3X .icon-chevron-down:before{content:""}.p5_3X .icon-chevron-left:before{content:""}.p5_3X .icon-chevron-right:before{content:""}.p5_3X .icon-chevron-up:before{content:""}.p5_3X .icon-clipboard:before{content:""}.p5_3X .icon-clock:before{content:""}.p5_3X .icon-close:before{content:""}.p5_3X .icon-cog:before{content:""}.p5_3X .icon-comment-bubble:before{content:""}.p5_3X .icon-confirmation:before{content:""}.p5_3X .icon-copy:before{content:""}.p5_3X .icon-desktop:before{content:""}.p5_3X .icon-donald-trump:before{content:""}.p5_3X .icon-download:before{content:""}.p5_3X .icon-edit:before{content:""}.p5_3X .icon-email:before{content:""}.p5_3X .icon-enlarge:before{content:""}.p5_3X .icon-error:before{content:""}.p5_3X .icon-explore:before{content:""}.p5_3X .icon-facebook:before{content:""}.p5_3X .icon-flame:before{content:""}.p5_3X .icon-forbes-china-logo:before{content:""}.p5_3X .icon-forbes-finds-logo:before{content:""}.p5_3X .icon-forbes-italy:before{content:""}.p5_3X .icon-forbes-life:before{content:""}.p5_3X .icon-forbes-logo:before{content:""}.p5_3X .icon-forbes-logo-f:before{content:""}.p5_3X .icon-gallery:before{content:""}.p5_3X .icon-georgia-daquo:before{content:""}.p5_3X .icon-georgia-uaquo:before{content:""}.p5_3X .icon-google:before{content:""}.p5_3X .icon-group:before{content:""}.p5_3X .icon-hamburger:before{content:""}.p5_3X .icon-handshake:before{content:""}.p5_3X .icon-home:before{content:""}.p5_3X .icon-insights:before{content:""}.p5_3X .icon-instagram:before{content:""}.p5_3X .icon-italia:before{content:""}.p5_3X .icon-link:before{content:""}.p5_3X .icon-linkedin:before{content:""}.p5_3X .icon-location:before{content:""}.p5_3X .icon-lock:before{content:""}.p5_3X .icon-megaphone:before{content:""}.p5_3X .icon-microphone:before{content:""}.p5_3X .icon-mobile:before{content:""}.p5_3X .icon-pause:before{content:""}.p5_3X .icon-phone-call:before{content:""}.p5_3X .icon-photo:before{content:""}.p5_3X .icon-pinterest:before{content:""}.p5_3X .icon-plus:before{content:""}.p5_3X .icon-preview-eye:before{content:""}.p5_3X .icon-print:before{content:""}.p5_3X .icon-qzone:before{content:""}.p5_3X .icon-renren:before{content:""}.p5_3X .icon-reply:before{content:""}.p5_3X .icon-reset:before{content:""}.p5_3X .icon-rss-feed:before{content:""}.p5_3X .icon-search:before{content:""}.p5_3X .icon-share:before{content:""}.p5_3X .icon-snapchat:before{content:""}.p5_3X .icon-square-bracket-left:before{content:""}.p5_3X .icon-square-bracket-right:before{content:""}.p5_3X .icon-staff-verified:before{content:""}.p5_3X .icon-star:before{content:""}.p5_3X .icon-terms:before{content:""}.p5_3X .icon-trash:before{content:""}.p5_3X .icon-tumblr:before{content:""}.p5_3X .icon-twitter:before{content:""}.p5_3X .icon-twitter-verified:before{content:""}.p5_3X .icon-u30-logo:before{content:""}.p5_3X .icon-under-30-logo:before{content:""}.p5_3X .icon-user:before{content:""}.p5_3X .icon-video:before{content:""}.p5_3X .icon-video-rect:before{content:""}.p5_3X .icon-wechat:before{content:""}.p5_3X .icon-weibo:before{content:""}.p5_3X .icon-womenforbes-logo:before{content:""}.p5_3X .icon-youtube:before{content:""}.p5_3X fbs-ticker{background-color:#fff;border:1px solid #e2e2e2;color:#6f6f6f;font-size:14px;font-weight:500;letter-spacing:-.28px;padding:3px 4px;white-space:nowrap}.p5_3X fbs-ticker:hover{background-color:#eaeaea}.p5_3X fbs-ticker a{color:#6f6f6f;text-decoration:none}.p5_3X fbs-ticker span.ticker-green{color:#093}.p5_3X fbs-ticker span.ticker-red{color:#d41723}@media (max-width:480px){.p5_3X span{padding:0 2px 0 0}}.p5_3X html{-ms-text-size-adjust:100%;-webkit-text-size-adjust:100%;font-family:sans-serif;line-height:1.15}.p5_3X body{margin:0}.p5_3X article,.p5_3X aside,.p5_3X footer,.p5_3X header,.p5_3X nav,.p5_3X section{display:block}.p5_3X h1{font-size:2em;margin:.67em 0}.p5_3X figcaption,.p5_3X figure,.p5_3X main{display:block}.p5_3X figure{margin:1em 40px}.p5_3X hr{box-sizing:initial;height:0;overflow:visible}.p5_3X pre{font-family:monospace,monospace;font-size:1em}.p5_3X a{-webkit-text-decoration-skip:objects;background-color:#0000}.p5_3X a:active,.p5_3X a:hover{outline-width:0}.p5_3X abbr[title]{border-bottom:none;text-decoration:underline;text-decoration:underline dotted}.p5_3X b,.p5_3X strong{font-weight:inherit;font-weight:bolder}.p5_3X code,.p5_3X kbd,.p5_3X samp{font-family:monospace,monospace;font-size:1em}.p5_3X dfn{font-style:italic}.p5_3X mark{background-color:#ff0;color:#000}.p5_3X small{font-size:80%}.p5_3X sub,.p5_3X sup{font-size:75%;line-height:0;position:relative;vertical-align:initial}.p5_3X p sub{bottom:-.25em}.p5_3X sup{top:-.5em}.p5_3X audio,.p5_3X video{display:inline-block}.p5_3X audio:not([controls]){display:none;height:0}.p5_3X img{border-style:none}.p5_3X svg:not(:root){overflow:hidden}.p5_3X button,.p5_3X input,.p5_3X optgroup,.p5_3X select,.p5_3X textarea{font-family:sans-serif;font-size:100%;line-height:1.15;margin:0}.p5_3X button,.p5_3X input{overflow:visible}.p5_3X button,.p5_3X select{text-transform:none}.p5_3X [type=reset],.p5_3X [type=submit],.p5_3X button,.p5_3X html [type=button]{-webkit-appearance:button}.p5_3X [type=button]::-moz-focus-inner,.p5_3X [type=reset]::-moz-focus-inner,.p5_3X [type=submit]::-moz-focus-inner,.p5_3X button::-moz-focus-inner{border-style:none;padding:0}.p5_3X [type=button]:-moz-focusring,.p5_3X [type=reset]:-moz-focusring,.p5_3X [type=submit]:-moz-focusring,.p5_3X button:-moz-focusring{outline:1px dotted ButtonText}.p5_3X fieldset{border:1px solid silver;margin:0 2px;padding:.35em .625em .75em}.p5_3X legend{box-sizing:border-box;color:inherit;display:table;max-width:100%;padding:0;white-space:normal}.p5_3X progress{display:inline-block;vertical-align:initial}.p5_3X textarea{overflow:auto}.p5_3X [type=checkbox],.p5_3X [type=radio]{box-sizing:border-box;padding:0}.p5_3X [type=number]::-webkit-inner-spin-button,.p5_3X [type=number]::-webkit-outer-spin-button{height:auto}.p5_3X [type=search]{-webkit-appearance:textfield;outline-offset:-2px}.p5_3X [type=search]::-webkit-search-cancel-button,.p5_3X [type=search]::-webkit-search-decoration{-webkit-appearance:none}.p5_3X ::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}.p5_3X details,.p5_3X menu{display:block}.p5_3X summary{display:list-item}.p5_3X canvas{display:inline-block}.p5_3X [hidden],.p5_3X template{display:none}.p5_3X *,.p5_3X :after,.p5_3X :before{box-sizing:border-box}.p5_3X body,.p5_3X html{-webkit-font-feature-settings:"kern";-moz-font-feature-settings:"kern";font-feature-settings:"kern";font-family:Graphik,Helvetica;-webkit-font-kerning:normal;-moz-font-kerning:normal;font-kerning:normal;-webkit-font-variant-ligatures:common-ligatures;-moz-font-variant-ligatures:common-ligatures;font-variant-ligatures:common-ligatures;height:100%;text-rendering:optimizeLegibility;width:100%}.p5_3X img{display:block;height:auto!important;max-width:100%;width:auto}.p5_3X figure{margin:0}.p5_3X figure img{display:block;max-width:100%}.p5_3X a{color:inherit;cursor:pointer}.p5_3X button{background:none;border:none;cursor:pointer;outline:none;padding:0}.p5_3X em,.p5_3X i{font-style:italic}.p5_3X b,.p5_3X strong{font-weight:700}.p5_3X table{border-collapse:collapse;border-spacing:0}.p5_3X p a{color:#003891}.p5_3X p a:hover{text-decoration:underline}.p5_3X .container{margin-left:auto;margin-right:auto;padding-left:15px;padding-right:15px}.p5_3X .container:after,.p5_3X .container:before{content:" ";display:table}.p5_3X .container:after{clear:both}@media(min-width:768px){.p5_3X .container{width:750px}}@media(min-width:1024px){.p5_3X .container{width:970px}}@media(min-width:1230px){.p5_3X .container{width:1170px}}.p5_3X .container-fluid{margin-left:auto;margin-right:auto;padding-left:15px;padding-right:15px}.p5_3X .container-fluid:after,.p5_3X .container-fluid:before{content:" ";display:table}.p5_3X .container-fluid:after{clear:both}.p5_3X .row{margin-left:-15px;margin-right:-15px}.p5_3X .row:after,.p5_3X .row:before{content:" ";display:table}.p5_3X .row:after{clear:both}.p5_3X .col-lg-1,.p5_3X .col-lg-10,.p5_3X .col-lg-11,.p5_3X .col-lg-12,.p5_3X .col-lg-2,.p5_3X .col-lg-3,.p5_3X .col-lg-4,.p5_3X .col-lg-5,.p5_3X .col-lg-6,.p5_3X .col-lg-7,.p5_3X .col-lg-8,.p5_3X .col-lg-9,.p5_3X .col-md-1,.p5_3X .col-md-10,.p5_3X .col-md-11,.p5_3X .col-md-12,.p5_3X .col-md-2,.p5_3X .col-md-3,.p5_3X .col-md-4,.p5_3X .col-md-5,.p5_3X .col-md-6,.p5_3X .col-md-7,.p5_3X .col-md-8,.p5_3X .col-md-9,.p5_3X .col-sm-1,.p5_3X .col-sm-10,.p5_3X .col-sm-11,.p5_3X .col-sm-12,.p5_3X .col-sm-2,.p5_3X .col-sm-3,.p5_3X .col-sm-4,.p5_3X .col-sm-5,.p5_3X .col-sm-6,.p5_3X .col-sm-7,.p5_3X .col-sm-8,.p5_3X .col-sm-9,.p5_3X .col-xs-1,.p5_3X .col-xs-10,.p5_3X .col-xs-11,.p5_3X .col-xs-12,.p5_3X .col-xs-2,.p5_3X .col-xs-3,.p5_3X .col-xs-4,.p5_3X .col-xs-5,.p5_3X .col-xs-6,.p5_3X .col-xs-7,.p5_3X .col-xs-8,.p5_3X .col-xs-9{min-height:1px;padding-left:15px;padding-right:15px;position:relative}.p5_3X .col-xs-1,.p5_3X .col-xs-10,.p5_3X .col-xs-11,.p5_3X .col-xs-12,.p5_3X .col-xs-2,.p5_3X .col-xs-3,.p5_3X .col-xs-4,.p5_3X .col-xs-5,.p5_3X .col-xs-6,.p5_3X .col-xs-7,.p5_3X .col-xs-8,.p5_3X .col-xs-9{float:left}.p5_3X .col-xs-1{width:8.3333333333%}.p5_3X .col-xs-2{width:16.6666666667%}.p5_3X .col-xs-3{width:25%}.p5_3X .col-xs-4{width:33.3333333333%}.p5_3X .col-xs-5{width:41.6666666667%}.p5_3X .col-xs-6{width:50%}.p5_3X .col-xs-7{width:58.3333333333%}.p5_3X .col-xs-8{width:66.6666666667%}.p5_3X .col-xs-9{width:75%}.p5_3X .col-xs-10{width:83.3333333333%}.p5_3X .col-xs-11{width:91.6666666667%}.p5_3X .col-xs-12{width:100%}.p5_3X .col-xs-pull-0{right:auto}.p5_3X .col-xs-pull-1{right:8.3333333333%}.p5_3X .col-xs-pull-2{right:16.6666666667%}.p5_3X .col-xs-pull-3{right:25%}.p5_3X .col-xs-pull-4{right:33.3333333333%}.p5_3X .col-xs-pull-5{right:41.6666666667%}.p5_3X .col-xs-pull-6{right:50%}.p5_3X .col-xs-pull-7{right:58.3333333333%}.p5_3X .col-xs-pull-8{right:66.6666666667%}.p5_3X .col-xs-pull-9{right:75%}.p5_3X .col-xs-pull-10{right:83.3333333333%}.p5_3X .col-xs-pull-11{right:91.6666666667%}.p5_3X .col-xs-pull-12{right:100%}.p5_3X .col-xs-push-0{left:auto}.p5_3X .col-xs-push-1{left:8.3333333333%}.p5_3X .col-xs-push-2{left:16.6666666667%}.p5_3X .col-xs-push-3{left:25%}.p5_3X .col-xs-push-4{left:33.3333333333%}.p5_3X .col-xs-push-5{left:41.6666666667%}.p5_3X .col-xs-push-6{left:50%}.p5_3X .col-xs-push-7{left:58.3333333333%}.p5_3X .col-xs-push-8{left:66.6666666667%}.p5_3X .col-xs-push-9{left:75%}.p5_3X .col-xs-push-10{left:83.3333333333%}.p5_3X .col-xs-push-11{left:91.6666666667%}.p5_3X .col-xs-push-12{left:100%}.p5_3X .col-xs-offset-0{margin-left:0}.p5_3X .col-xs-offset-1{margin-left:8.3333333333%}.p5_3X .col-xs-offset-2{margin-left:16.6666666667%}.p5_3X .col-xs-offset-3{margin-left:25%}.p5_3X .col-xs-offset-4{margin-left:33.3333333333%}.p5_3X .col-xs-offset-5{margin-left:41.6666666667%}.p5_3X .col-xs-offset-6{margin-left:50%}.p5_3X .col-xs-offset-7{margin-left:58.3333333333%}.p5_3X .col-xs-offset-8{margin-left:66.6666666667%}.p5_3X .col-xs-offset-9{margin-left:75%}.p5_3X .col-xs-offset-10{margin-left:83.3333333333%}.p5_3X .col-xs-offset-11{margin-left:91.6666666667%}.p5_3X .col-xs-offset-12{margin-left:100%}@media(min-width:768px){.p5_3X .col-sm-1,.p5_3X .col-sm-10,.p5_3X .col-sm-11,.p5_3X .col-sm-12,.p5_3X .col-sm-2,.p5_3X .col-sm-3,.p5_3X .col-sm-4,.p5_3X .col-sm-5,.p5_3X .col-sm-6,.p5_3X .col-sm-7,.p5_3X .col-sm-8,.p5_3X .col-sm-9{float:left}.p5_3X .col-sm-1{width:8.3333333333%}.p5_3X .col-sm-2{width:16.6666666667%}.p5_3X .col-sm-3{width:25%}.p5_3X .col-sm-4{width:33.3333333333%}.p5_3X .col-sm-5{width:41.6666666667%}.p5_3X .col-sm-6{width:50%}.p5_3X .col-sm-7{width:58.3333333333%}.p5_3X .col-sm-8{width:66.6666666667%}.p5_3X .col-sm-9{width:75%}.p5_3X .col-sm-10{width:83.3333333333%}.p5_3X .col-sm-11{width:91.6666666667%}.p5_3X .col-sm-12{width:100%}.p5_3X .col-sm-pull-0{right:auto}.p5_3X .col-sm-pull-1{right:8.3333333333%}.p5_3X .col-sm-pull-2{right:16.6666666667%}.p5_3X .col-sm-pull-3{right:25%}.p5_3X .col-sm-pull-4{right:33.3333333333%}.p5_3X .col-sm-pull-5{right:41.6666666667%}.p5_3X .col-sm-pull-6{right:50%}.p5_3X .col-sm-pull-7{right:58.3333333333%}.p5_3X .col-sm-pull-8{right:66.6666666667%}.p5_3X .col-sm-pull-9{right:75%}.p5_3X .col-sm-pull-10{right:83.3333333333%}.p5_3X .col-sm-pull-11{right:91.6666666667%}.p5_3X .col-sm-pull-12{right:100%}.p5_3X .col-sm-push-0{left:auto}.p5_3X .col-sm-push-1{left:8.3333333333%}.p5_3X .col-sm-push-2{left:16.6666666667%}.p5_3X .col-sm-push-3{left:25%}.p5_3X .col-sm-push-4{left:33.3333333333%}.p5_3X .col-sm-push-5{left:41.6666666667%}.p5_3X .col-sm-push-6{left:50%}.p5_3X .col-sm-push-7{left:58.3333333333%}.p5_3X .col-sm-push-8{left:66.6666666667%}.p5_3X .col-sm-push-9{left:75%}.p5_3X .col-sm-push-10{left:83.3333333333%}.p5_3X .col-sm-push-11{left:91.6666666667%}.p5_3X .col-sm-push-12{left:100%}.p5_3X .col-sm-offset-0{margin-left:0}.p5_3X .col-sm-offset-1{margin-left:8.3333333333%}.p5_3X .col-sm-offset-2{margin-left:16.6666666667%}.p5_3X .col-sm-offset-3{margin-left:25%}.p5_3X .col-sm-offset-4{margin-left:33.3333333333%}.p5_3X .col-sm-offset-5{margin-left:41.6666666667%}.p5_3X .col-sm-offset-6{margin-left:50%}.p5_3X .col-sm-offset-7{margin-left:58.3333333333%}.p5_3X .col-sm-offset-8{margin-left:66.6666666667%}.p5_3X .col-sm-offset-9{margin-left:75%}.p5_3X .col-sm-offset-10{margin-left:83.3333333333%}.p5_3X .col-sm-offset-11{margin-left:91.6666666667%}.p5_3X .col-sm-offset-12{margin-left:100%}}@media(min-width:1024px){.p5_3X .col-md-1,.p5_3X .col-md-10,.p5_3X .col-md-11,.p5_3X .col-md-12,.p5_3X .col-md-2,.p5_3X .col-md-3,.p5_3X .col-md-4,.p5_3X .col-md-5,.p5_3X .col-md-6,.p5_3X .col-md-7,.p5_3X .col-md-8,.p5_3X .col-md-9{float:left}.p5_3X .col-md-1{width:8.3333333333%}.p5_3X .col-md-2{width:16.6666666667%}.p5_3X .col-md-3{width:25%}.p5_3X .col-md-4{width:33.3333333333%}.p5_3X .col-md-5{width:41.6666666667%}.p5_3X .col-md-6{width:50%}.p5_3X .col-md-7{width:58.3333333333%}.p5_3X .col-md-8{width:66.6666666667%}.p5_3X .col-md-9{width:75%}.p5_3X .col-md-10{width:83.3333333333%}.p5_3X .col-md-11{width:91.6666666667%}.p5_3X .col-md-12{width:100%}.p5_3X .col-md-pull-0{right:auto}.p5_3X .col-md-pull-1{right:8.3333333333%}.p5_3X .col-md-pull-2{right:16.6666666667%}.p5_3X .col-md-pull-3{right:25%}.p5_3X .col-md-pull-4{right:33.3333333333%}.p5_3X .col-md-pull-5{right:41.6666666667%}.p5_3X .col-md-pull-6{right:50%}.p5_3X .col-md-pull-7{right:58.3333333333%}.p5_3X .col-md-pull-8{right:66.6666666667%}.p5_3X .col-md-pull-9{right:75%}.p5_3X .col-md-pull-10{right:83.3333333333%}.p5_3X .col-md-pull-11{right:91.6666666667%}.p5_3X .col-md-pull-12{right:100%}.p5_3X .col-md-push-0{left:auto}.p5_3X .col-md-push-1{left:8.3333333333%}.p5_3X .col-md-push-2{left:16.6666666667%}.p5_3X .col-md-push-3{left:25%}.p5_3X .col-md-push-4{left:33.3333333333%}.p5_3X .col-md-push-5{left:41.6666666667%}.p5_3X .col-md-push-6{left:50%}.p5_3X .col-md-push-7{left:58.3333333333%}.p5_3X .col-md-push-8{left:66.6666666667%}.p5_3X .col-md-push-9{left:75%}.p5_3X .col-md-push-10{left:83.3333333333%}.p5_3X .col-md-push-11{left:91.6666666667%}.p5_3X .col-md-push-12{left:100%}.p5_3X .col-md-offset-0{margin-left:0}.p5_3X .col-md-offset-1{margin-left:8.3333333333%}.p5_3X .col-md-offset-2{margin-left:16.6666666667%}.p5_3X .col-md-offset-3{margin-left:25%}.p5_3X .col-md-offset-4{margin-left:33.3333333333%}.p5_3X .col-md-offset-5{margin-left:41.6666666667%}.p5_3X .col-md-offset-6{margin-left:50%}.p5_3X .col-md-offset-7{margin-left:58.3333333333%}.p5_3X .col-md-offset-8{margin-left:66.6666666667%}.p5_3X .col-md-offset-9{margin-left:75%}.p5_3X .col-md-offset-10{margin-left:83.3333333333%}.p5_3X .col-md-offset-11{margin-left:91.6666666667%}.p5_3X .col-md-offset-12{margin-left:100%}}@media(min-width:1230px){.p5_3X .col-lg-1,.p5_3X .col-lg-10,.p5_3X .col-lg-11,.p5_3X .col-lg-12,.p5_3X .col-lg-2,.p5_3X .col-lg-3,.p5_3X .col-lg-4,.p5_3X .col-lg-5,.p5_3X .col-lg-6,.p5_3X .col-lg-7,.p5_3X .col-lg-8,.p5_3X .col-lg-9{float:left}.p5_3X .col-lg-1{width:8.3333333333%}.p5_3X .col-lg-2{width:16.6666666667%}.p5_3X .col-lg-3{width:25%}.p5_3X .col-lg-4{width:33.3333333333%}.p5_3X .col-lg-5{width:41.6666666667%}.p5_3X .col-lg-6{width:50%}.p5_3X .col-lg-7{width:58.3333333333%}.p5_3X .col-lg-8{width:66.6666666667%}.p5_3X .col-lg-9{width:75%}.p5_3X .col-lg-10{width:83.3333333333%}.p5_3X .col-lg-11{width:91.6666666667%}.p5_3X .col-lg-12{width:100%}.p5_3X .col-lg-pull-0{right:auto}.p5_3X .col-lg-pull-1{right:8.3333333333%}.p5_3X .col-lg-pull-2{right:16.6666666667%}.p5_3X .col-lg-pull-3{right:25%}.p5_3X .col-lg-pull-4{right:33.3333333333%}.p5_3X .col-lg-pull-5{right:41.6666666667%}.p5_3X .col-lg-pull-6{right:50%}.p5_3X .col-lg-pull-7{right:58.3333333333%}.p5_3X .col-lg-pull-8{right:66.6666666667%}.p5_3X .col-lg-pull-9{right:75%}.p5_3X .col-lg-pull-10{right:83.3333333333%}.p5_3X .col-lg-pull-11{right:91.6666666667%}.p5_3X .col-lg-pull-12{right:100%}.p5_3X .col-lg-push-0{left:auto}.p5_3X .col-lg-push-1{left:8.3333333333%}.p5_3X .col-lg-push-2{left:16.6666666667%}.p5_3X .col-lg-push-3{left:25%}.p5_3X .col-lg-push-4{left:33.3333333333%}.p5_3X .col-lg-push-5{left:41.6666666667%}.p5_3X .col-lg-push-6{left:50%}.p5_3X .col-lg-push-7{left:58.3333333333%}.p5_3X .col-lg-push-8{left:66.6666666667%}.p5_3X .col-lg-push-9{left:75%}.p5_3X .col-lg-push-10{left:83.3333333333%}.p5_3X .col-lg-push-11{left:91.6666666667%}.p5_3X .col-lg-push-12{left:100%}.p5_3X .col-lg-offset-0{margin-left:0}.p5_3X .col-lg-offset-1{margin-left:8.3333333333%}.p5_3X .col-lg-offset-2{margin-left:16.6666666667%}.p5_3X .col-lg-offset-3{margin-left:25%}.p5_3X .col-lg-offset-4{margin-left:33.3333333333%}.p5_3X .col-lg-offset-5{margin-left:41.6666666667%}.p5_3X .col-lg-offset-6{margin-left:50%}.p5_3X .col-lg-offset-7{margin-left:58.3333333333%}.p5_3X .col-lg-offset-8{margin-left:66.6666666667%}.p5_3X .col-lg-offset-9{margin-left:75%}.p5_3X .col-lg-offset-10{margin-left:83.3333333333%}.p5_3X .col-lg-offset-11{margin-left:91.6666666667%}.p5_3X .col-lg-offset-12{margin-left:100%}}.p5_3X .clearfix:after,.p5_3X .clearfix:before{content:" ";display:table}.p5_3X .clearfix:after{clear:both}.p5_3X .pull-right{float:right!important}.p5_3X .pull-left{float:left!important}.p5_3X .fs-hidden{display:none!important}.p5_3X .fs-clearfix:after,.p5_3X .fs-clearfix:before{content:" ";display:table}.p5_3X .fs-clearfix:after{clear:both}.p5_3X .fs-card{padding:1em 0}.p5_3X .fs-card:after,.p5_3X .fs-card:before{content:" ";display:table}.p5_3X .fs-card:after{clear:both}.p5_3X .fs-card-metric{color:gray;display:block;font-size:.75rem;font-weight:400;line-height:1;margin-bottom:1em}.p5_3X .fs-card-metric span{margin-right:1.5em}.p5_3X .fs-card-metric-type{color:#999;font-weight:700}.p5_3X .fs-card-metric-time{color:#666;font-style:italic}.p5_3X .fs-card-metric-views{color:#333}.p5_3X .fs-card-thumb{float:left;margin-right:1em;max-width:200px;width:20%}.p5_3X .fs-card--basic .fs-card-thumb:after{background:gray;content:"";display:block;padding-top:100%;width:100%}.p5_3X .fs-card-info{overflow:auto}.p5_3X .fs-author{display:block;font-style:normal}.p5_3X .fs-author:after,.p5_3X .fs-author:before{content:" ";display:table}.p5_3X .fs-author:after{clear:both}.p5_3X .fs-author-avatar{float:left;margin-right:1em;max-width:1em;position:relative;width:20%}.p5_3X .fs-author-image{border:1px solid #00000026;border-radius:50%;max-width:100%;overflow:hidden}.p5_3X .fs-author-badge{bottom:0;font-size:.875rem;font-weight:400;position:absolute;right:0}.p5_3X .fs-author-badge .icon-flame{background:#ffc000;border-radius:50%;display:inline-block;height:1.5em;line-height:1.5em;text-align:center;width:1.5em}.p5_3X .fs-author-name{font-weight:700}.p5_3X .fs-author--inline{margin-top:.5em}.p5_3X .fs-author--inline .fs-author-info{line-height:1em}.p5_3X .fs-author--inline .fs-author-avatar{margin-right:.5em}.p5_3X .fs-author--inline .fs-author-byline{font-size:.75rem;font-weight:400}.p5_3X .fs-author--inline .fs-author-title{margin-left:.5em}.p5_3X .fs-card-description{color:#4d4d4d;display:none;font-size:.75em;line-height:1.5;margin:.5em 0 0;overflow:auto}@media(min-width:768px){.p5_3X .fs-card-description{display:block}}.p5_3X .fs-card--dark{color:#fff}.p5_3X .fs-card--dark .fs-author-title .icon-staff-verified{color:#ffffffb3}.p5_3X .fs-card--cover .fs-card-content{overflow:hidden;position:relative}.p5_3X .fs-card--cover .fs-card-content:before{content:"";display:block;padding-bottom:56.25%}.p5_3X .fs-card--cover .fs-card-thumb{bottom:0;float:none;left:0;margin-right:auto;max-width:none;position:absolute;right:0;top:0;width:100%}.p5_3X .fs-card--cover .fs-card-thumb:after{background-image:linear-gradient(180deg,#0000,#000c);bottom:0;content:"";left:0;position:absolute;right:0;top:-2em}.p5_3X .fs-card--cover .fs-card-info{bottom:0;left:0;padding:1em;position:absolute;right:0;z-index:1}.p5_3X .fs-card--cover .fs-headline{font-size:1.25em}.p5_3X .fs-card--cover .fs-card-thumb{background-size:cover}.p5_3X .fs-text-link{-webkit-tap-highlight-color:rgba(0,0,0,0);background-image:linear-gradient(#00389180,#00389180);background-position:0 1.2em;background-repeat:repeat-x;background-size:1px 1px;color:#003891;cursor:pointer;text-decoration:none}.p5_3X .fs-text-link *,.p5_3X .fs-text-link :after,.p5_3X .fs-text-link :before,.p5_3X .fs-text-link:after,.p5_3X .fs-text-link:before{text-shadow:none}.p5_3X .fs-text-link:visited{color:#003891}.p5_3X .fs-text-link:hover{background-image:linear-gradient(#003891,#003891)}@media(min-width:48rem){.p5_3X .fs-text-link{background-position:0 1.3em}}.p5_3X body{-webkit-font-smoothing:antialiased;font-size:.9375em}@media(min-width:480px){.p5_3X body{font-size:calc(.9375em + .32609vw - 1.56522px)}}@media(min-width:1400px){.p5_3X body{font-size:1.125em}}.p5_3X h1,.p5_3X h2,.p5_3X h3,.p5_3X h4,.p5_3X h5,.p5_3X h6,.p5_3X li,.p5_3X ol,.p5_3X ul{-webkit-margin-before:0;-webkit-margin-after:0}.p5_3X .fs-text-xxl,.p5_3X h1{font-size:2.5rem;font-weight:400}.p5_3X .fs-text-xl,.p5_3X h2{font-size:2rem;font-weight:400;line-height:2.2rem}.p5_3X .fs-text-l,.p5_3X h3{font-size:1.5rem;font-weight:400}.p5_3X .fs-text-m,.p5_3X h4{font-size:1.25rem;font-weight:400}.p5_3X .fs-text-s,.p5_3X h5{font-size:.875rem;font-weight:400}.p5_3X .fs-text-xs,.p5_3X h6{font-size:.75rem;font-weight:400}.p5_3X .fs-text-xxs,.p5_3X small{font-size:.625rem;font-weight:400}.p5_3X .fs-text-xxl.fs-responsive-text,.p5_3X h1.fs-responsive-text{font-size:2.5em}.p5_3X .fs-text-xl.fs-responsive-text,.p5_3X h2.fs-responsive-text{font-size:2em}.p5_3X .fs-text-l.fs-responsive-text,.p5_3X h3.fs-responsive-text{font-size:1.5em}.p5_3X .fs-text-m.fs-responsive-text,.p5_3X h4.fs-responsive-text{font-size:1.25em}.p5_3X .fs-text-s.fs-responsive-text,.p5_3X h5.fs-responsive-text{font-size:.875em}.p5_3X .fs-text-xs.fs-responsive-text,.p5_3X h6.fs-responsive-text{font-size:.75em}.p5_3X .fs-text-xxs.fs-responsive-text{font-size:.625em}.p5_3X .fs-headline{font-family:Merriweather,GeorgiaCustom;font-weight:700;line-height:2.75rem;margin:0}.p5_3X .fs-text-margin{margin:1.6rem 0}.p5_3X ul{-webkit-padding-start:0;list-style:none}.p5_3X button,.p5_3X input,.p5_3X optgroup,.p5_3X select,.p5_3X textarea{font-family:inherit}.p5_3X .fs-article{line-height:1.5;max-width:42em}.p5_3X .fs-article blockquote,.p5_3X .fs-article h1,.p5_3X .fs-article h5,.p5_3X .fs-article h6,.p5_3X .fs-article ol,.p5_3X .fs-article pre,.p5_3X .fs-article table{margin:1.6rem 0}.p5_3X .fs-article h2{font-size:24px;line-height:1.25}.p5_3X .fs-article h3{font-size:20px;line-height:1.2}.p5_3X .fs-article h4{font-size:14px;line-height:1.33;margin:8px 0}.p5_3X .fs-article h2,.p5_3X .fs-article h3,.p5_3X .fs-article p{margin:1.2rem 0}.p5_3X .fs-article fbs-ticker{border:1px solid #e2e2e2;display:inline-block;font:13px Graphik,Helvetica;letter-spacing:-.28px;padding:3px;white-space:nowrap}.p5_3X .fs-article fbs-ticker a{border:none;color:#6f6f6f}.p5_3X .fs-article>div>div>:first-child{margin-top:0}.p5_3X .fs-article a{color:#003891;text-decoration:none}.p5_3X .fs-article a:hover{text-decoration:underline}.p5_3X .fs-article ol li,.p5_3X .fs-article ul li{margin-left:3em}.p5_3X .fs-article ol li{list-style:decimal}.p5_3X .fs-article ul li{list-style:disc;margin-bottom:16px}.p5_3X .fs-article .table-wrapper{margin:10px 0;overflow-x:auto}.p5_3X .fs-article td,.p5_3X .fs-article th{font-size:.75em;padding:3px 5px;vertical-align:top}.p5_3X .fs-article thead tr{background:#ccc}.p5_3X .fs-article thead th{border-left:1px solid #fff;font-weight:700;vertical-align:bottom}.p5_3X .fs-article tbody tr,.p5_3X .fs-article thead th{border-bottom:2px solid #fff}.p5_3X .fs-article tbody tr:nth-child(odd){background:#f2f2f2}.p5_3X .fs-article tbody tr:nth-child(2n){background:#e6e6e6}.p5_3X .fs-article tbody td{border-left:1px solid #fff}.p5_3X .fs-article tbody td p{margin:0}.p5_3X .fs-article tfoot td{color:#999;font-size:.625em;padding:1px}.p5_3X .fs-article blockquote{padding-left:1.75em;position:relative}.p5_3X .fs-article blockquote:before{color:#b3b3b3;content:"“";font-size:2.5em;left:0;position:absolute;top:0}.p5_3X .fs-article blockquote:not(.embed-base){clear:both;font:16px/24px Graphik,Helvetica;margin:0 0 0 78px;padding:0 77px 0 38px}.p5_3X .fs-article blockquote:not(.embed-base):before{background:#b3b3b3;content:"";height:100%;width:5px}.p5_3X .fs-article blockquote:not(.embed-base):last-of-type{margin-bottom:20px}.p5_3X .fs-article blockquote:not(.embed-base)+:not(blockquote){margin:20px 0}.p5_3X .fs-article:not(.fs-premium) h2{color:#333;font-family:Merriweather,GeorgiaCustom;font-weight:700}.p5_3X .fs-article:not(.fs-premium) h3{color:#333;font-family:Graphik,Helvetica;font-weight:600}.p5_3X .fs-article:not(.fs-premium) h4{color:#333;font-family:Graphik,Helvetica;font-weight:400}.p5_3X .fs-article fbs-video h2.vjs-social-description{color:#fff;font-family:Helvetica Neue;font-weight:400}.p5_3X .fs-article fbs-video a{color:#fff}.p5_3X .fs-article #forbes-dv{margin:1.2rem 0}.p5_3X .fs-premium{font-family:Georgia,Cambria,Times New Roman,Times,serif;font-size:20px;line-height:36px;margin:0 auto;max-width:700px;width:60%}.p5_3X .article-body-image{line-height:0;position:relative}.p5_3X .article-body-image small{background-color:#00000080;bottom:0;color:#fff;line-height:1;padding:.25em;position:absolute}.p5_3X .fs-main-content h1.fs-headline{-webkit-font-smoothing:antialiased;font-size:22px;margin-bottom:1rem;margin-top:1rem;position:relative}@media(min-width:480px){.p5_3X .fs-main-content h1.fs-headline{font-size:calc(22px + 1.66667vw - .33333rem)}}@media(min-width:1400px){.p5_3X .fs-main-content h1.fs-headline{font-size:40px}}.p5_3X .article-body.fs-responsive-text{font-family:Georgia,Cambria,Times New Roman,Times,serif;font-size:18px;line-height:30px}.p5_3X .wp-caption-text{line-height:1.4em}.p5_3X .offset{margin-left:calc((min(60vw + 180px,1440px) - 100%)/-2);max-width:1440px;width:calc(60vw + 180px)}.p5_3X .offset.brightcove-video-wrapper{height:auto}.p5_3X .offsetleft,.p5_3X .offsetright{max-width:576px;width:calc(30vw + 20px)}.p5_3X .offsetleft{float:left;margin-left:calc((min(60vw + 180px,1440px) - 100%)/-2);margin-right:5.5%}.p5_3X .offsetright{float:right;margin-left:5.5%;margin-right:calc((min(60vw + 180px,1440px) - 100%)/-2)}.p5_3X .article-body.fs-article.article-topline .topline-heading,.p5_3X .article-body.fs-article.article-topline h2{color:#d8361e;font:600 14px/16px Graphik,Helvetica;text-transform:uppercase}.p5_3X .article-body.fs-article.article-topline h2{margin-bottom:8px}.p5_3X .article-body.fs-article.article-topline h2+p{margin-top:8px}.p5_3X .article-body.fs-article.article-topline .topline-heading{display:inline;margin-right:4px}.p5_3X .article-body.fs-article.article-topline .topline-heading+p{display:inline}.p5_3X .article-body.fs-article.article-topline .key-facts .key-facts-element,.p5_3X .article-body.fs-article.article-topline .key-facts .timeline-element,.p5_3X .article-body.fs-article.article-topline .timeline .key-facts-element,.p5_3X .article-body.fs-article.article-topline .timeline .timeline-element{margin:0 0 0 19px;padding-bottom:1.2rem;position:relative}.p5_3X .article-body.fs-article.article-topline .key-facts .key-facts-element:before,.p5_3X .article-body.fs-article.article-topline .key-facts .timeline-element:before,.p5_3X .article-body.fs-article.article-topline .timeline .key-facts-element:before,.p5_3X .article-body.fs-article.article-topline .timeline .timeline-element:before{color:#d8361e;content:"•";margin-left:-19px;position:absolute;transform:scale(1.75)}.p5_3X .article-body.fs-article.article-topline .key-facts .key-facts-element:not(:last-of-type):after,.p5_3X .article-body.fs-article.article-topline .key-facts .timeline-element:not(:last-of-type):after,.p5_3X .article-body.fs-article.article-topline .timeline .key-facts-element:not(:last-of-type):after,.p5_3X .article-body.fs-article.article-topline .timeline .timeline-element:not(:last-of-type):after{background-color:#d8361e;content:"";height:0;left:0;margin-left:-16px;position:absolute;top:16px;transition:height 1.25s ease;width:1px}.p5_3X .article-body.fs-article.article-topline .key-facts .key-facts-element:last-of-type,.p5_3X .article-body.fs-article.article-topline .key-facts .timeline-element:last-of-type,.p5_3X .article-body.fs-article.article-topline .timeline .key-facts-element:last-of-type,.p5_3X .article-body.fs-article.article-topline .timeline .timeline-element:last-of-type{padding-bottom:0}.p5_3X .article-body.fs-article.article-topline .key-facts .key-facts-element.animate-line:not(:last-of-type):after,.p5_3X .article-body.fs-article.article-topline .key-facts .timeline-element.animate-line:not(:last-of-type):after,.p5_3X .article-body.fs-article.article-topline .timeline .key-facts-element.animate-line:not(:last-of-type):after,.p5_3X .article-body.fs-article.article-topline .timeline .timeline-element.animate-line:not(:last-of-type):after{height:100%}.p5_3X .article-body.fs-article.article-topline .timeline-timestamp{color:#333;display:inline-block;font:600 14px/16px Graphik,Helvetica;margin:0 0 8px;width:100%}.p5_3X .article-body.fs-article.article-live h3:not(.headline){color:#d8361e;font:600 14px/16px Graphik,Helvetica;text-transform:uppercase}.p5_3X .article-body.fs-article.article-live .live-update ul li{list-style-type:none;margin-left:1.5em;position:relative}.p5_3X .article-body.fs-article.article-live .live-update ul li:after{background:#d8361e;border-radius:50%;content:"";display:inline-block;height:7px;left:-27px;position:absolute;top:12px;width:7px}.p5_3X .article-body.fs-article.article-live .live-update figure{margin-left:0;margin-right:0;margin-top:0}@media (min-width:1401px){.p5_3X .fs-main-content h1.fs-headline{font-size:40.76px}}@media (min-width:1025px)and (max-width:1400px){.p5_3X .fs-main-content h1.fs-headline{font-size:32.44px;line-height:1.2em}}@media (min-width:768px){.p5_3X .article-body.fs-article.article-topline .key-facts .key-facts-element:not(:last-child) p,.p5_3X .article-body.fs-article.article-topline .key-facts .timeline-element:not(:last-child) p,.p5_3X .article-body.fs-article.article-topline .timeline .key-facts-element:not(:last-child) p,.p5_3X .article-body.fs-article.article-topline .timeline .timeline-element:not(:last-child) p{margin-bottom:0}}@media (min-width:768px)and (max-width:1024px){.p5_3X .fs-main-content h1.fs-headline{font-size:27.44px;line-height:1.3em}}@media (max-width:767px){.p5_3X .fs-main-content h1.fs-headline{font-size:32.64px;line-height:1.3em}.p5_3X .fs-premium{max-width:700px;width:100%}.p5_3X .offset,.p5_3X .offsetleft,.p5_3X .offsetright{float:none;left:0;margin-left:calc(50% - 45vw);max-width:none;right:0;width:90vw}}@media (max-width:480px){.p5_3X .fs-article blockquote:not(.embed-base){margin-left:22px;padding:0 22px}.p5_3X .fs-article blockquote:not(.embed-base):before{top:0}}@media print{.p5_3X #speechkit-io-iframe,.p5_3X .article-sharing,.p5_3X .article-video-placeholder,.p5_3X .fbs-ad--top-wrapper,.p5_3X .header,.p5_3X .medianet-wrapper,.p5_3X .right-rail,.p5_3X .top-ad-container,.p5_3X .vestpocket,.p5_3X article:not(.current-page),.p5_3X beta-flag,.p5_3X fbs-ad,.p5_3X fbs-video,.p5_3X footer,.p5_3X speed-bump{display:none!important}.p5_3X article.current-page{max-width:90%}.p5_3X .article-container,.p5_3X .article-wrapper{display:block!important}.p5_3X app{background-color:#fff!important}.p5_3X channel-path .crumb:before,.p5_3X channel-path .logo{display:inline-block!important;font-size:15px!important}.p5_3X stream.sidebar-expanded{margin-left:0!important;transform:none!important}.p5_3X .article-wrapper{width:100%}.p5_3X .hero-image-credit{margin:8px calc(50% - 45vw) 0 0!important}.p5_3X .premium-container{margin:0 auto;width:95%}.p5_3X .premium-container .top-contrib-block{border-color:#e2e2e2!important}.p5_3X .premium-container .article-wrapper contrib-block,.p5_3X .premium-container .article-wrapper group-blog,.p5_3X .premium-container .article-wrapper guest-contrib,.p5_3X .premium-container .fs-premium,.p5_3X .premium-container .top-contrib-block{max-width:100%!important;width:100%!important}.p5_3X .premium-container blockquote{background-color:#fff!important;color:#333!important}.p5_3X .premium-container .contrib-container{border-color:#e2e2e2!important}}.p5_3X .premium fbs-ad,.p5_3X .quill-ad{margin-bottom:20px}.p5_3X .fs-article .atmospheric-video-wrapper,.p5_3X .fs-article .brightcove-video-wrapper{clear:both}.p5_3X .fs-article .atmospheric-video-embed{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%;height:0;margin-bottom:19px;position:relative;width:100%}.p5_3X .fs-article .atmospheric-video-embed video{display:inline-block;left:0;position:absolute;top:0;width:100%}.p5_3X .fs-article .atmospheric-video-wrapper figcaption{margin-top:8px}.p5_3X .fs-article .atmospheric-video-wrapper p{font:normal 12px/18px Graphik,Helvetica;margin:0}.p5_3X .fs-article .atmospheric-video-wrapper .caption-text{margin:0 8px 0 0}.p5_3X .fs-article .atmospheric-video-wrapper .credit-text{font:normal 10px/20px Graphik,Helvetica;text-transform:uppercase}.p5_3X .fs-article .atmospheric-video-wrapper.alignleft{float:left;margin:0 3.5% 1.75% 0;width:40%}.p5_3X .fs-article .atmospheric-video-wrapper.alignright{float:right;margin:0 0 1.75% 3.5%;width:40%}.p5_3X .fs-article .brightcove-video-wrapper.alignleft{float:left;margin:0 3.5% 1.75% 0;width:40%}.p5_3X .fs-article .brightcove-video-wrapper.alignright{float:right;margin:0 0 1.75% 3.5%;width:40%}@media(max-width:480px){.p5_3X .fs-article .brightcove-video-wrapper.alignleft,.p5_3X .fs-article .brightcove-video-wrapper.alignright{float:none;margin:0;width:100%}.p5_3X .fs-article .atmospheric-video-wrapper.alignleft,.p5_3X .fs-article .atmospheric-video-wrapper.alignright{float:none;margin:0 0 12px;width:100%}}.p5_3X .fs-article .drop-cap{display:block;float:left;font:400 100px/85px Graphik,Helvetica;margin-right:12px;padding-top:5px;text-align:center;top:0}.p5_3X .inner-contain .drop-cap{font-size:80px;line-height:72px;margin-right:8px}.p5_3X .fs-article .embed-base{clear:both;margin-bottom:19px}@media(max-width:480px){.p5_3X .fs-article .embed-base{margin-bottom:12px}.p5_3X .advisor-module-content--offset .embed-base{width:100%}}.p5_3X .fs-article .embedly-align{clear:both}.p5_3X .fs-article .embedly-align.tiktok-align{min-width:325px}.p5_3X .fs-article .embedly-embed{height:100%;left:0;position:absolute;top:0;width:100%}.p5_3X .fs-article .embedly-wrap{height:0;position:relative;width:100%}.p5_3X .fs-article h2.faqs-title,.p5_3X .ql-editor h2.faqs-title{border-bottom:1px solid #e3e3e3;color:inherit;font:600 26px/32px Euclid,Graphik,serif;margin:0;padding:19px 0;width:100%}.p5_3X .faq-container{border-bottom:1px solid #e3e3e3;transition:height .3s ease;width:100%}.p5_3X .fs-article .faq-question>h3,.p5_3X .ql-editor .faq-question>h3{color:#333;font:600 1rem/22px Graphik,Helvetica;margin:24px 0 16px}.p5_3X .question-container{align-items:center;display:flex;justify-content:space-between}.p5_3X .question-container .svg-arrow{fill:currentColor;cursor:pointer;display:inline-block;height:24px;min-width:24px;transition:transform 333ms ease-out}.p5_3X .faq-answer{color:#333;display:none;font-family:Georgia,Cambria,Times New Roman,Times,serif;font-size:18px}.p5_3X .faq-answer.open{display:block}.p5_3X .faq-answer p{margin:0 0 16px}@media (max-width:480px){.p5_3X .question-container .svg-arrow{transition:none}.p5_3X .faqs-title{font-size:24px;line-height:30px}.p5_3X .fs-article .faq-question>h3{margin:24px 0}}.p5_3X .fs-article .embed-base.image-embed.alignleft{float:left;margin:0 5.5% 1.75% 0;width:40%}.p5_3X .fs-article .embed-base.image-embed.alignright{float:right;margin:0 0 1.75% 5.5%;width:40%}.p5_3X .fs-article .finds-embed{background:#d40000;border-radius:8px;clear:both;display:flex;margin-top:19px;max-width:310px;min-height:48px;padding:8px 16px;text-decoration:none}.p5_3X .fs-article .finds-embed:active,.p5_3X .fs-article .finds-embed:link,.p5_3X .fs-article .finds-embed:visited{text-decoration:none}.p5_3X .fs-article .finds-embed:hover{background:#c6102f;filter:brightness(.9);text-decoration:none}.p5_3X .fs-article .finds-embed button{background-color:inherit;border:0;color:#fff;font:600 14px/22px Graphik,Helvetica;text-align:center;width:100%}.p5_3X .fs-article .finds-embed:not(.color-embed-premium) button{font-size:16px}.p5_3X .fs-article .finds-embed.color-embed-forbes-advisor{background:#35b782}.p5_3X .fs-article .advisor-module-wrapper--offset .sponsored-label,.p5_3X .fs-article .finds-module-wrapper--offset .sponsored-label{color:#1c1f69;line-height:20px}.p5_3X .fs-article .advisor-module-wrapper--offset .module-header-2,.p5_3X .fs-article .finds-module-wrapper--offset .module-header-2{box-sizing:border-box;margin-bottom:0;margin-top:0}.p5_3X .fs-article .advisor-module-wrapper .sponsored-label,.p5_3X .fs-article .finds-module-wrapper .sponsored-label{color:#1c1f69;display:block;font:600 16px/22px Graphik,Helvetica;text-align:end}.p5_3X .fs-article .advisor-module-embed .finds-module-description ol,.p5_3X .fs-article .advisor-module-embed .finds-module-description p,.p5_3X .fs-article .advisor-module-embed .finds-module-description ul,.p5_3X .fs-article .finds-module-embed .finds-module-description ol,.p5_3X .fs-article .finds-module-embed .finds-module-description p,.p5_3X .fs-article .finds-module-embed .finds-module-description ul{padding-top:16px}.p5_3X .fs-article .advisor-module-embed .advisor-module-content,.p5_3X .fs-article .finds-module-embed:not(.finds-module-embed--sponsored) .finds-module-content{border:1px solid #e2e2e2}.p5_3X .fs-article .finds-module-embed--sponsored .finds-module-wrapper{background-color:#f2f2f2;padding:10px 16px 16px}.p5_3X .fs-article .finds-module-embed--sponsored .finds-module-description p{background-color:#f2f2f2;padding:16px 0 0}.p5_3X .fs-article .advisor-module-wrapper,.p5_3X .fs-article .finds-module-wrapper{position:relative}.p5_3X .fs-article .advisor-module-wrapper .module-header-2,.p5_3X .fs-article .finds-module-wrapper .module-header-2{font:700 24px/1.25 Merriweather,GeorgiaCustom;margin:0 0 5px}.p5_3X .fs-article .advisor-module-wrapper .module-header-3,.p5_3X .fs-article .finds-module-wrapper .module-header-3{font:600 18px/1.67 Graphik,Helvetica;margin:5px 0 16px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-content,.p5_3X .fs-article .advisor-module-wrapper .finds-module-content,.p5_3X .fs-article .advisor-module-wrapper .image-embed,.p5_3X .fs-article .finds-module-wrapper .advisor-module-content,.p5_3X .fs-article .finds-module-wrapper .finds-module-content,.p5_3X .fs-article .finds-module-wrapper .image-embed{background-color:#fff}.p5_3X .fs-article .advisor-module-wrapper .image-embed .mobile-image-wrapper,.p5_3X .fs-article .advisor-module-wrapper .image-embed amp-img,.p5_3X .fs-article .finds-module-wrapper .image-embed .mobile-image-wrapper,.p5_3X .fs-article .finds-module-wrapper .image-embed amp-img{margin:auto;max-height:420px;max-width:420px}.p5_3X .fs-article .advisor-module-wrapper .wp-credit-text,.p5_3X .fs-article .finds-module-wrapper .wp-credit-text{display:block;padding:8px 8px 0;text-align:right}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-description p,.p5_3X .fs-article .advisor-module-wrapper .advisor-module-embed .finds-embed,.p5_3X .fs-article .advisor-module-wrapper .finds-module-description p,.p5_3X .fs-article .advisor-module-wrapper .finds-module-embed .finds-embed,.p5_3X .fs-article .advisor-module-wrapper figure,.p5_3X .fs-article .advisor-module-wrapper finds-embed,.p5_3X .fs-article .finds-module-wrapper .advisor-module-description p,.p5_3X .fs-article .finds-module-wrapper .advisor-module-embed .finds-embed,.p5_3X .fs-article .finds-module-wrapper .finds-module-description p,.p5_3X .fs-article .finds-module-wrapper .finds-module-embed .finds-embed,.p5_3X .fs-article .finds-module-wrapper figure,.p5_3X .fs-article .finds-module-wrapper finds-embed{margin:0}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info,.p5_3X .fs-article .finds-module-wrapper .finds-module-info{background-color:#fff;padding:0 24px 24px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .advisor-module-title,.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .finds-module-title,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .advisor-module-title,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .finds-module-title,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .advisor-module-title,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .finds-module-title,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .advisor-module-title,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .finds-module-title{font:600 1.17em/1em Graphik,Helvetica;letter-spacing:-.2px;margin:1em 0}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .shopping-price,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .shopping-price,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .shopping-price,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .shopping-price{margin:.2rem 0 1rem}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .sale-price,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .sale-price,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .sale-price,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .sale-price{font:600 18px Graphik,Helvetica;padding-right:6px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .regular-price,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .regular-price,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .regular-price,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .regular-price{color:#737373;font:600 14px Graphik,Helvetica}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info button,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info button,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info button,.p5_3X .fs-article .finds-module-wrapper .finds-module-info button{font-size:1rem}.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .module-header-2,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .module-header-2{line-height:32px}.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .module-header-3,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .module-header-3{font-size:22px;line-height:32px;margin-top:8px}.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-info .finds-module-title{font-size:22px;line-height:32px;margin:16px 0}@media(max-width:768px){.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper h2.module-header-2,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper h2.module-header-2,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper h2.module-header-2,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper h2.module-header-2{font-size:22px}.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .advisor-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .advisor-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .finds-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .finds-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .module-header-3,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .advisor-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .advisor-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .finds-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .finds-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .module-header-3,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .advisor-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .advisor-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .finds-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .finds-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .module-header-3,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .advisor-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .advisor-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .finds-module-info .advisor-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .finds-module-info .finds-module-title,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .module-header-3{font-size:18px;line-height:24px}}@media(max-width:480px){.p5_3X .fs-article .finds-embed{display:block;max-width:310px;min-height:40px}.p5_3X .fs-article .finds-module-embed--sponsored .finds-module-wrapper{margin:0 -16px;padding-top:8px}.p5_3X .fs-article .advisor-module-wrapper,.p5_3X .fs-article .finds-module-wrapper{margin-top:4px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info,.p5_3X .fs-article .finds-module-wrapper .finds-module-info{padding:0 16px 16px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info p,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info p,.p5_3X .fs-article .advisor-module-wrapper .image-embed p,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info p,.p5_3X .fs-article .finds-module-wrapper .finds-module-info p,.p5_3X .fs-article .finds-module-wrapper .image-embed p{margin:0}.p5_3X .fs-article .alignleft,.p5_3X .fs-article .alignright{translate:0}.p5_3X .fs-article .aligncenter{margin-left:unset}.p5_3X .fs-article .embed-base.image-embed.alignleft,.p5_3X .fs-article .embed-base.image-embed.alignright{float:unset;margin:auto;width:100%}}.p5_3X .fs-article .product-notif-cta{display:flex;flex-direction:column;gap:.4rem;margin-top:1.5rem}.p5_3X .fs-article .product-notif-cta>div{align-items:center;display:flex;gap:.5rem;width:max-content}.p5_3X .fs-article .product-notif-cta .notif-question__icon{height:1.5rem}.p5_3X .fs-article .product-notif-cta .notif-question__icon svg{fill:#d40000;height:17px;width:16px}.p5_3X .fs-article .product-notif-cta .notif-question__text{font:500 14px/21px Graphik,Helvetica}.p5_3X .fs-article .product-notif-cta .alert-signup{cursor:pointer}.p5_3X .fs-article .product-notif-cta .alert-signup.success .alert-signup__text--default{display:none!important}.p5_3X .fs-article .product-notif-cta .alert-signup.success .alert-signup__text--success{display:inline-block!important}.p5_3X .fs-article .product-notif-cta .alert-signup.success .fs-icon--add{display:none}.p5_3X .fs-article .product-notif-cta .alert-signup.success .fs-icon--check{display:inline-block}.p5_3X .fs-article .product-notif-cta .alert-signup__icon{align-items:center;border:1px solid #333;border-radius:16px;display:flex;flex-shrink:0;height:24px;justify-content:center;padding:4px;width:24px}.p5_3X .fs-article .product-notif-cta .alert-signup__icon .fs-icon--check{display:none}.p5_3X .fs-article .product-notif-cta .alert-signup__icon svg{fill:#333;height:1rem;width:1rem}.p5_3X .fs-article .product-notif-cta .alert-signup__text--default,.p5_3X .fs-article .product-notif-cta .alert-signup__text--success{font:400 14px/21px Graphik,Helvetica}.p5_3X .fs-article .product-notif-cta .alert-signup__text--success{display:none}.p5_3X .fs-article .advisor-module-embed .advisor-award,.p5_3X .fs-article .finds-module-embed .vetted-award{align-items:center;background:#d40000;color:#fff;display:flex;font:600 12px Graphik,Helvetica;height:54px;justify-content:center;letter-spacing:-.2px;margin-top:-8px;padding:0 3px;position:absolute;right:16px;text-align:center;text-transform:uppercase;width:96px;z-index:1}.p5_3X .fs-article .advisor-module-embed .advisor-award:after,.p5_3X .fs-article .finds-module-embed .vetted-award:after{border-left:48px solid #0000;border-right:48px solid #0000;border-top:10px solid #d40000;content:"";height:0;position:absolute;top:54px;width:0}.p5_3X .fs-article .advisor-module-embed .shopping-price,.p5_3X .fs-article .finds-module-embed .shopping-price{align-items:center;display:flex;font-family:Graphik,Helvetica}.p5_3X .fs-article .advisor-module-embed .regular-price,.p5_3X .fs-article .advisor-module-embed .sale-price,.p5_3X .fs-article .finds-module-embed .regular-price,.p5_3X .fs-article .finds-module-embed .sale-price{color:#333;font-size:20px;padding-left:12px;position:relative}.p5_3X .fs-article .advisor-module-embed .regular-price:before,.p5_3X .fs-article .advisor-module-embed .sale-price:before,.p5_3X .fs-article .finds-module-embed .regular-price:before,.p5_3X .fs-article .finds-module-embed .sale-price:before{content:"$";left:0;position:absolute;top:0}.p5_3X .fs-article .advisor-module-embed .sale-price,.p5_3X .fs-article .finds-module-embed .sale-price{font-weight:600;margin-right:5px}.p5_3X .fs-article .advisor-module-embed .regular-price,.p5_3X .fs-article .finds-module-embed .regular-price{margin-right:10px;text-decoration:line-through}.p5_3X .fs-article .advisor-module-embed .call-out-text,.p5_3X .fs-article .finds-module-embed .call-out-text{color:#d40000;font-size:14px;font-weight:600}.p5_3X .fs-article .advisor-module-embed .image-embed img,.p5_3X .fs-article .finds-module-embed .image-embed img{margin:0 auto;max-height:420px;width:auto!important}.p5_3X .fs-article .advisor-module-embed .finds-embed,.p5_3X .fs-article .finds-module-embed .finds-embed{margin:10px 0 0}.p5_3X .fs-article .advisor-module-embed figure,.p5_3X .fs-article .finds-module-embed figure{margin:1.2rem 0}.p5_3X .fs-article .advisor-module-embed figure div,.p5_3X .fs-article .finds-module-embed figure div{max-height:420px}.p5_3X .fs-article .advisor-module-embed .advisor-disclaimer-container,.p5_3X .fs-article .advisor-module-embed .advisor-rating-container,.p5_3X .fs-article .advisor-module-embed .vetted-disclaimer-container,.p5_3X .fs-article .advisor-module-embed .vetted-rating-container,.p5_3X .fs-article .finds-module-embed .advisor-disclaimer-container,.p5_3X .fs-article .finds-module-embed .advisor-rating-container,.p5_3X .fs-article .finds-module-embed .vetted-disclaimer-container,.p5_3X .fs-article .finds-module-embed .vetted-rating-container{align-items:center;display:flex}.p5_3X .fs-article .advisor-module-embed .advisor-text,.p5_3X .fs-article .advisor-module-embed .vetted-text,.p5_3X .fs-article .finds-module-embed .advisor-text,.p5_3X .fs-article .finds-module-embed .vetted-text{font:600 12px/18px Graphik,Helvetica;margin:0;text-transform:uppercase}.p5_3X .fs-article .advisor-module-embed .star-icon,.p5_3X .fs-article .finds-module-embed .star-icon{margin-right:5px}.p5_3X .fs-article .advisor-module-embed .advisor-disclaimer:hover .advisor-tooltip,.p5_3X .fs-article .advisor-module-embed .advisor-disclaimer:hover .vetted-tooltip,.p5_3X .fs-article .advisor-module-embed .vetted-disclaimer:hover .advisor-tooltip,.p5_3X .fs-article .advisor-module-embed .vetted-disclaimer:hover .vetted-tooltip,.p5_3X .fs-article .finds-module-embed .advisor-disclaimer:hover .advisor-tooltip,.p5_3X .fs-article .finds-module-embed .advisor-disclaimer:hover .vetted-tooltip,.p5_3X .fs-article .finds-module-embed .vetted-disclaimer:hover .advisor-tooltip,.p5_3X .fs-article .finds-module-embed .vetted-disclaimer:hover .vetted-tooltip{display:block}.p5_3X .fs-article .advisor-module-embed .fs-icon--info,.p5_3X .fs-article .finds-module-embed .fs-icon--info{height:16px;transform:translateY(9.5%);width:16px}.p5_3X .fs-article .advisor-module-embed .advisor-tooltip,.p5_3X .fs-article .advisor-module-embed .vetted-tooltip,.p5_3X .fs-article .finds-module-embed .advisor-tooltip,.p5_3X .fs-article .finds-module-embed .vetted-tooltip{align-items:flex-start;background-color:#fff;box-shadow:0 4px 8px #f2f2f2;color:#333;cursor:pointer;display:none;font:400 10px/12px Graphik,Helvetica;letter-spacing:-.2px;margin:0;order:0;padding:8px 12px;position:absolute;text-align:center;transform:translate(20px,-59px);width:296px}.p5_3X .fs-article .advisor-module-embed .vetted-rating-wrapper,.p5_3X .fs-article .finds-module-embed .vetted-rating-wrapper{margin-top:16px}.p5_3X .fs-article .advisor-module-embed .advisor-rating-score,.p5_3X .fs-article .advisor-module-embed .vetted-rating-score,.p5_3X .fs-article .finds-module-embed .advisor-rating-score,.p5_3X .fs-article .finds-module-embed .vetted-rating-score{font:32px/48px Graphik,Helvetica;margin-right:10px}.p5_3X .fs-article .finds-module-embed--sponsored.finds-module-offset{background-color:#f2f2f2}.p5_3X .fs-article .advisor-module-wrapper .image-embed,.p5_3X .fs-article .finds-module-wrapper .image-embed{margin-top:0}.p5_3X .fs-article .advisor-module-wrapper .image-embed figcaption,.p5_3X .fs-article .finds-module-wrapper .image-embed figcaption{background-color:#fff;margin:0;padding-top:8px;text-align:right}.p5_3X .fs-article .advisor-module-wrapper .image-embed div,.p5_3X .fs-article .finds-module-wrapper .image-embed div{margin-bottom:0;max-height:420px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info fbs-pricing,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info fbs-pricing,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info fbs-pricing,.p5_3X .fs-article .finds-module-wrapper .finds-module-info fbs-pricing{min-height:30px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .fbs-pricing__sale-price,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .fbs-pricing__sale-price,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .fbs-pricing__sale-price,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .fbs-pricing__sale-price{font:600 18px Graphik,Helvetica;padding-right:6px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .fbs-pricing__regular-price,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .fbs-pricing__regular-price,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .fbs-pricing__regular-price,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .fbs-pricing__regular-price{font:600 18px Graphik,Helvetica}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .fbs-pricing__sale-price+.fbs-pricing__regular-price,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .fbs-pricing__sale-price+.fbs-pricing__regular-price,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .fbs-pricing__sale-price+.fbs-pricing__regular-price,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .fbs-pricing__sale-price+.fbs-pricing__regular-price{color:#737373;font-size:14px}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-info .fbs-pricing__savings,.p5_3X .fs-article .advisor-module-wrapper .finds-module-info .fbs-pricing__savings,.p5_3X .fs-article .finds-module-wrapper .advisor-module-info .fbs-pricing__savings,.p5_3X .fs-article .finds-module-wrapper .finds-module-info .fbs-pricing__savings{font:600 14px Graphik,Helvetica}.p5_3X .fs-article .advisor-module-wrapper .advisor-module-description li,.p5_3X .fs-article .advisor-module-wrapper .finds-module-description li,.p5_3X .fs-article .finds-module-wrapper .advisor-module-description li,.p5_3X .fs-article .finds-module-wrapper .finds-module-description li{background-color:inherit}.p5_3X .fs-article .advisor-module-wrapper--offset .module-header-2,.p5_3X .fs-article .finds-module-wrapper--offset .module-header-2{margin-bottom:16px}.p5_3X .fs-article .advisor-module-wrapper--offset .vetted-award,.p5_3X .fs-article .finds-module-wrapper--offset .vetted-award{height:24px;left:0;margin-top:28px;width:169px}.p5_3X .fs-article .advisor-module-wrapper--offset .vetted-award:after,.p5_3X .fs-article .finds-module-wrapper--offset .vetted-award:after{border-left:12px solid #0000;border-right:12px solid #0000;border-top:12px solid #d40000;left:163px;position:absolute;top:6px;transform:rotate(270deg);width:0}.p5_3X .fs-article .advisor-module-wrapper--offset .vetted-award-text,.p5_3X .fs-article .finds-module-wrapper--offset .vetted-award-text{padding:5px 16px}.p5_3X .fs-article .advisor-module-content--offset,.p5_3X .fs-article .finds-module-content--offset{display:flex}.p5_3X .fs-article .advisor-module-content--offset .offset,.p5_3X .fs-article .finds-module-content--offset .offset{max-width:284px}.p5_3X .fs-article .advisor-module-info--offset,.p5_3X .fs-article .finds-module-info--offset{margin-left:16px;width:100%}.p5_3X .fs-article .advisor-module-info--offset .advisor-module-title,.p5_3X .fs-article .finds-module-info--offset .finds-module-title{font:600 20px/24px Graphik,Helvetica;margin:0 0 16px}.p5_3X .fs-article .advisor-module-info--offset .advisor-module-description,.p5_3X .fs-article .finds-module-info--offset .finds-module-description{font:400 16px/22px Graphik,Helvetica;letter-spacing:-.2px;margin:0 0 16px;min-height:66px}.p5_3X .fs-article .advisor-module-info--offset .advisor-module-description p,.p5_3X .fs-article .finds-module-info--offset .finds-module-description p{padding:0}.p5_3X .fs-article .advisor-module-info--offset .advisor-module-description ul,.p5_3X .fs-article .finds-module-info--offset .finds-module-description ul{padding-top:0}.p5_3X .fs-article .advisor-module-info--offset .advisor-module-description ul li,.p5_3X .fs-article .finds-module-info--offset .finds-module-description ul li{margin-left:10px}.p5_3X .fs-article .advisor-module-info--offset>div:first-of-type p,.p5_3X .fs-article .finds-module-info--offset>div:first-of-type p{background-color:unset}.p5_3X .fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__regular-price,.p5_3X .fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__sale-price,.p5_3X .fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__regular-price,.p5_3X .fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__sale-price{font-size:18px;line-height:26px}.p5_3X .fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price,.p5_3X .fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__savings,.p5_3X .fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price,.p5_3X .fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__savings{font:600 14px/26px Graphik,Helvetica}.p5_3X .fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price,.p5_3X .fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price{color:#737373}.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .advisor-module-info .fbs-pricing__regular-price,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .advisor-module-info .fbs-pricing__sale-price,.p5_3X .fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .advisor-module-info .fbs-pricing__savings,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .finds-module-info .fbs-pricing__regular-price,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .finds-module-info .fbs-pricing__sale-price,.p5_3X .fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .finds-module-info .fbs-pricing__savings{font-size:14px;line-height:22px;margin:0 8px 0 0;padding:0}@media (max-width:480px){.p5_3X .fs-article .advisor-module-embed,.p5_3X .fs-article .finds-module-embed{background-color:#fff;margin-bottom:.75rem}.p5_3X .fs-article .advisor-module-embed .advisor-module-title,.p5_3X .fs-article .advisor-module-embed .finds-module-title,.p5_3X .fs-article .finds-module-embed .advisor-module-title,.p5_3X .fs-article .finds-module-embed .finds-module-title{font:600 1.17em/1em Merriweather,GeorgiaCustom}.p5_3X .fs-article .advisor-module-embed .regular-price,.p5_3X .fs-article .advisor-module-embed .sale-price,.p5_3X .fs-article .finds-module-embed .regular-price,.p5_3X .fs-article .finds-module-embed .sale-price{font-size:16px}.p5_3X .fs-article .advisor-module-embed .call-out-text,.p5_3X .fs-article .finds-module-embed .call-out-text{font-size:12px}.p5_3X .fs-article .advisor-module-embed .regular-price,.p5_3X .fs-article .advisor-module-embed .sale-price,.p5_3X .fs-article .finds-module-embed .regular-price,.p5_3X .fs-article .finds-module-embed .sale-price{padding-left:10px}.p5_3X .fs-article .vetted-award{height:48px;width:86px}.p5_3X .fs-article .vetted-award:after{border-left:43px solid #0000;border-right:43px solid #0000;border-top:7px solid #d40000;content:"";height:0;position:absolute;top:48px;width:0}.p5_3X .fs-article .advisor-module-wrapper--offset,.p5_3X .fs-article .finds-module-wrapper--offset{padding:8px;width:100%}.p5_3X .fs-article .advisor-module-content--offset,.p5_3X .fs-article .finds-module-content--offset{display:flex;flex-direction:column}.p5_3X .fs-article .advisor-module-content--offset .offset,.p5_3X .fs-article .finds-module-content--offset .offset{max-height:unset;max-width:unset}.p5_3X .fs-article .advisor-module-content--offset .vetted-award,.p5_3X .fs-article .finds-module-content--offset .vetted-award{height:24px;left:20px;margin-top:18px;width:169px}.p5_3X .fs-article .advisor-module-content--offset .vetted-award:after,.p5_3X .fs-article .finds-module-content--offset .vetted-award:after{border-left:12px solid #0000;border-right:12px solid #0000;border-top:12px solid #d40000;content:"";height:0;left:163px;position:absolute;top:5px;transform:rotate(270deg);width:23px}.p5_3X .fs-article .advisor-module-content--offset .vetted-award .vetted-award-text,.p5_3X .fs-article .finds-module-content--offset .vetted-award .vetted-award-text{padding:0}.p5_3X .fs-article .advisor-module-content--offset .advisor-module-info--offset,.p5_3X .fs-article .advisor-module-content--offset .finds-module-info--offset,.p5_3X .fs-article .finds-module-content--offset .advisor-module-info--offset,.p5_3X .fs-article .finds-module-content--offset .finds-module-info--offset{margin-left:8px;width:auto}.p5_3X .fs-article .advisor-module-content--offset .advisor-module-info--offset .advisor-module-title,.p5_3X .fs-article .advisor-module-content--offset .advisor-module-info--offset .finds-module-title,.p5_3X .fs-article .advisor-module-content--offset .finds-module-info--offset .advisor-module-title,.p5_3X .fs-article .advisor-module-content--offset .finds-module-info--offset .finds-module-title,.p5_3X .fs-article .finds-module-content--offset .advisor-module-info--offset .advisor-module-title,.p5_3X .fs-article .finds-module-content--offset .advisor-module-info--offset .finds-module-title,.p5_3X .fs-article .finds-module-content--offset .finds-module-info--offset .advisor-module-title,.p5_3X .fs-article .finds-module-content--offset .finds-module-info--offset .finds-module-title{font:600 20px/24px Graphik,Helvetica;margin:0}.p5_3X .fs-article .advisor-module-content--offset .advisor-module-info--offset .advisor-module-description,.p5_3X .fs-article .advisor-module-content--offset .advisor-module-info--offset .finds-module-description,.p5_3X .fs-article .advisor-module-content--offset .finds-module-info--offset .advisor-module-description,.p5_3X .fs-article .advisor-module-content--offset .finds-module-info--offset .finds-module-description,.p5_3X .fs-article .finds-module-content--offset .advisor-module-info--offset .advisor-module-description,.p5_3X .fs-article .finds-module-content--offset .advisor-module-info--offset .finds-module-description,.p5_3X .fs-article .finds-module-content--offset .finds-module-info--offset .advisor-module-description,.p5_3X .fs-article .finds-module-content--offset .finds-module-info--offset .finds-module-description{margin:0 0 16px}.p5_3X .fs-article .advisor-module-content--offset fbs-pricing+a:first-of-type,.p5_3X .fs-article .finds-module-content--offset fbs-pricing+a:first-of-type{margin:10px 0 0}}.p5_3X .table-of-contents-products.styled{padding:16px}.p5_3X .table-of-contents-products.styled .our-picks-container{border-left:8px solid #d40000;display:flex;margin-bottom:16px;padding-left:16px}.p5_3X .table-of-contents-products.styled .our-picks-container .table-of-contents-our-picks{color:#333;font:600 22px/1.45 Graphik,Helvetica;letter-spacing:-.2px;margin:0}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper{padding:0}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product{background-color:#0000;justify-content:space-between;list-style:none;margin:0}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .sponsored-label{background-color:#0000;margin:0}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-heading-2{background-color:#0000;font:700 16px/1.5 EuclidCircularB,Graphik,serif;margin:0}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-product-title{background-color:#0000;font:14px/1.57 EuclidCircular,Graphik,serif;margin:0}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-vendor-name{text-transform:capitalize}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-contents-price{color:#333;font:600 12px/1.83 EuclidCircularSB,Graphik,serif;letter-spacing:-.17px;margin:0}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-btn{align-self:center;background-color:#d40000;border-radius:8px;cursor:pointer}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-btn a{display:block}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-btn button{background-color:#0000;border:none;color:#fff;font:600 12px/1.33 Graphik,Helvetica;letter-spacing:-.2px;padding:7px 15px}.p5_3X .table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product+.table-of-contents-product{border-top:1px solid #e2e2e2;margin-top:8px;padding-top:8px}@media (min-width:480px){.p5_3X .table-of-contents-products.styled .table-of-contents-product{display:flex}.p5_3X .table-of-contents-products.styled .table-of-contents-product .table-of-contents-product-info{max-width:70%}}@media (max-width:480px){.p5_3X .table-of-contents-products.styled .table-of-contents-product{display:block}.p5_3X .table-of-contents-products.styled .table-of-contents-product .table-of-contents-btn{margin-top:8px;width:83px}}.p5_3X .table-of-contents-products.destyled .paid-placement-text,.p5_3X .table-of-contents-products.destyled .table-of-contents-heading-2{display:inline;font-weight:600}.p5_3X .table-of-contents-products.destyled .paid-placement-text,.p5_3X .table-of-contents-products.destyled .prime-exclusive-text{text-transform:uppercase}.p5_3X .table-of-contents-products.destyled .prime-exclusive-text{color:#1399ff;font:600 12px/15px Graphik,Helvetica;padding-left:16px;vertical-align:middle;white-space:nowrap}.p5_3X .article-gallery-embedded{border-style:solid;border-width:1px 0;color:#e6e6e6;font-size:1.5rem;font-weight:400;margin:1em 0;overflow:hidden;padding:1em 0;width:100%}.p5_3X .article-gallery-embedded .embedded-content.clearfix{display:flex;justify-content:space-between;text-decoration:none}.p5_3X .article-gallery-embedded .article-image-box{box-shadow:8px 8px 0 #0000000f;flex-basis:50%}.p5_3X .article-gallery-embedded .article-image-box img{display:block;height:100%}.p5_3X .article-gallery-embedded .article-text-box{flex-basis:50%;padding-left:1em;position:relative}.p5_3X .article-gallery-embedded .article-text-box a{display:flex;flex-direction:column;justify-content:space-between;text-decoration:none}.p5_3X .article-gallery-embedded .article-text-box a h4{color:#333;font:700 18px/1.56 Merriweather,GeorgiaCustom;margin:0}.p5_3X .article-gallery-embedded .article-text-box .article-slide-count{color:#a9a9a9;font:.75rem Graphik,Helvetica;line-height:30px;margin:0;opacity:.8}.p5_3X .article-gallery-embedded .article-text-box .article-launch-gallery{color:#333;display:inline-block;font:500 .875rem Graphik,Helvetica;line-height:1.56}.p5_3X .article-gallery-embedded .article-text-box .article-launch-gallery .article-launch-text{margin-right:.5em}.p5_3X .article-gallery-embedded .article-text-box .article-launch-gallery .article-arrow-right{vertical-align:middle}.p5_3X .article-gallery-embedded .article-text-box .article-launch-gallery .article-arrow-right .fs-icon--arrow-right{fill:currentColor;height:1rem;width:1rem}@media (max-width:1229px){.p5_3X .article-gallery-embedded{font-size:1.5rem;font-weight:400}}@media (max-width:479px){.p5_3X .article-gallery-embedded{overflow:visible}.p5_3X .article-gallery-embedded .embedded-content.clearfix{flex-direction:column}.p5_3X .article-gallery-embedded a.clearfix{flex-wrap:wrap;height:auto}.p5_3X .article-gallery-embedded .article-image-box{flex-basis:100%;margin-bottom:12px}.p5_3X .article-gallery-embedded .article-text-box{flex-basis:100%;padding-left:0}.p5_3X .article-gallery-embedded .article-text-box .article-launch-button{left:23%;top:5%}}.p5_3X .ceros-embed{background:none}.p5_3X .ceros-embed:before{content:"";height:99%;left:50%;position:absolute;transform:translateX(-50%);width:99%}.p5_3X .ceros-embed:before,.p5_3X .iframe-embed{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%}.p5_3X .ceros-embed,.p5_3X .iframe-embed{margin-bottom:1.2rem;margin-top:1.2rem;overflow:hidden;position:relative}.p5_3X .ceros-embed.iframe-ratio,.p5_3X .iframe-embed.iframe-ratio{height:0}.p5_3X .ceros-embed:not(.offset),.p5_3X .iframe-embed:not(.offset){width:100%}.p5_3X .ceros-embed iframe,.p5_3X .iframe-embed iframe{border:none;height:100%;left:0;position:absolute;top:0;width:100%}.p5_3X .iframe-embed.offset{padding-bottom:210px}.p5_3X .fs-premium .iframe-embed.live-event-template.offset{padding-bottom:160px}@media (min-width:480px){.p5_3X .fs-premium .iframe-embed.live-event-template{padding-top:42.08%!important}}@media (min-width:768px){.p5_3X .fs-premium .embed-base:not(.image-embed).aligncenter{margin:19px auto}.p5_3X .fs-premium .embed-base:not(.image-embed).alignright{float:right;margin:0 0 1.75% 3.5%;width:40%}.p5_3X .fs-premium .embed-base:not(.image-embed).alignleft{float:left;margin:0 3.5% 1.75% 0;width:40%}.p5_3X .fs-premium .embed-base:not(.image-embed).offsetleft,.p5_3X .fs-premium .embed-base:not(.image-embed).offsetright{width:90%}}@media (max-width:1230px){.p5_3X .iframe-embed.offset{padding-bottom:102px}.p5_3X .fs-premium .iframe-embed.live-event-template.offset{padding-bottom:80px}}@media (max-width:480px){.p5_3X .ceros-embed,.p5_3X .iframe-embed{margin-bottom:.75rem;margin-left:0;margin-top:.75rem;width:100%}.p5_3X .ceros-embed iframe,.p5_3X .iframe-embed iframe{height:100%;left:0;position:absolute;top:0;width:100%}.p5_3X .ceros-embed.offset,.p5_3X .iframe-embed.offset{padding-bottom:0}.p5_3X .ceros-embed.iframe-ratio.offset,.p5_3X .iframe-embed.iframe-ratio.offset{width:90vw}.p5_3X .fs-premium .iframe-embed.live-event-template.offset{padding-bottom:0}}.p5_3X .fs-article .image-embed>div,.p5_3X .fs-article .wp-caption div{line-height:0;overflow:hidden;position:relative}.p5_3X .fs-article .image-embed,.p5_3X .fs-article .wp-caption{clear:both}.p5_3X .fs-article .image-embed fbs-accordion,.p5_3X .fs-article .wp-caption fbs-accordion{display:inline}.p5_3X .fs-article .image-embed fbs-accordion span.plus,.p5_3X .fs-article .wp-caption fbs-accordion span.plus{cursor:pointer}.p5_3X .fs-article .image-embed fbs-accordion[current="-1"] span.expanded-caption,.p5_3X .fs-article .image-embed fbs-accordion[current="0"] span.plus,.p5_3X .fs-article .wp-caption fbs-accordion[current="-1"] span.expanded-caption,.p5_3X .fs-article .wp-caption fbs-accordion[current="0"] span.plus{display:none}.p5_3X .fs-article .image-embed fbs-accordion[current="0"] p:after,.p5_3X .fs-article .wp-caption fbs-accordion[current="0"] p:after{content:" [-]";cursor:pointer;height:auto}.p5_3X .fs-article .image-embed figcaption,.p5_3X .fs-article .wp-caption figcaption{color:#737373;font-family:Graphik,Helvetica;font-size:.75rem;font-style:normal;font-weight:400;line-height:1.67;margin-top:.5em}.p5_3X .fs-article .image-embed p,.p5_3X .fs-article .wp-caption p{display:inline;margin:0 8px 0 0}.p5_3X .fs-article .image-embed p:after,.p5_3X .fs-article .wp-caption p:after{font-style:normal}.p5_3X .fs-article .image-embed small,.p5_3X .fs-article .wp-caption small{font-size:10px;font-style:normal;line-height:2;text-transform:uppercase}.p5_3X .fs-article .image-embed a img,.p5_3X .fs-article .wp-caption a img{opacity:1}.p5_3X .fs-article .image-embed a img:hover,.p5_3X .fs-article .wp-caption a img:hover{opacity:.75;transition:opacity .3s}.p5_3X .fs-article .wp-caption-text{font-size:.75rem;font-style:italic;font-weight:400;margin-top:.5em;position:relative}.p5_3X .fs-article.from-bertie blockquote,.p5_3X .fs-article.from-bertie h1,.p5_3X .fs-article.from-bertie h2,.p5_3X .fs-article.from-bertie h3,.p5_3X .fs-article.from-bertie h4,.p5_3X .fs-article.from-bertie h5,.p5_3X .fs-article.from-bertie h6,.p5_3X .fs-article.from-bertie ol,.p5_3X .fs-article.from-bertie p,.p5_3X .fs-article.from-bertie pre,.p5_3X .fs-article.from-bertie ul{counter-reset:list-1}.p5_3X .fs-article.from-bertie ol li,.p5_3X .fs-article.from-bertie ul li{margin-left:0}.p5_3X .fs-article.from-bertie ol>li,.p5_3X .fs-article.from-bertie ul>li{list-style:none}.p5_3X .fs-article.from-bertie ul>li:before{content:"•"}.p5_3X .fs-article.from-bertie ul[data-checked=false],.p5_3X .fs-article.from-bertie ul[data-checked=true]{pointer-events:none}.p5_3X .fs-article.from-bertie ul[data-checked=false]>li *,.p5_3X .fs-article.from-bertie ul[data-checked=true]>li *{pointer-events:all}.p5_3X .fs-article.from-bertie ul[data-checked=false]>li:before,.p5_3X .fs-article.from-bertie ul[data-checked=true]>li:before{color:#777;cursor:pointer;pointer-events:all}.p5_3X .fs-article.from-bertie ul[data-checked=true]>li:before{content:"☑"}.p5_3X .fs-article.from-bertie ul[data-checked=false]>li:before{content:"☐"}.p5_3X .fs-article.from-bertie li:before{display:inline-block;white-space:nowrap;width:1.2em}.p5_3X .fs-article.from-bertie li:not(.ql-direction-rtl):before{margin-left:-1.5em;margin-right:.3em;text-align:right}.p5_3X .fs-article.from-bertie li.ql-direction-rtl:before{margin-left:.3em;margin-right:-1.5em}.p5_3X .fs-article.from-bertie ol li:not(.ql-direction-rtl),.p5_3X .fs-article.from-bertie ul li:not(.ql-direction-rtl){padding-left:1.5em}.p5_3X .fs-article.from-bertie ol li.ql-direction-rtl,.p5_3X .fs-article.from-bertie ul li.ql-direction-rtl{padding-right:1.5em}.p5_3X .fs-article.from-bertie ol li{counter-increment:list-0;counter-reset:list-1}.p5_3X .fs-article.from-bertie ol li:before{content:counter(list-0,decimal) ". "}.p5_3X .fs-article.from-bertie ol li.ql-indent-1{counter-increment:list-1}.p5_3X .fs-article.from-bertie ol li.ql-indent-1:before{content:counter(list-1,lower-alpha) ". "}.p5_3X .fs-article.from-bertie .ql-indent-1:not(.ql-direction-rtl){padding-left:3em}.p5_3X .fs-article.from-bertie li.ql-indent-1:not(.ql-direction-rtl){padding-left:4.5em}.p5_3X .fs-article.from-bertie .ql-indent-1.ql-direction-rtl.ql-align-right{padding-right:3em}.p5_3X .fs-article.from-bertie li.ql-indent-1.ql-direction-rtl.ql-align-right{padding-right:4.5em}.p5_3X .fs-article .link-embed{border-bottom:1px solid #e2e2e2;border-top:1px solid #e2e2e2;clear:both;color:#333;display:flex;justify-content:space-between;margin-bottom:-1px;padding:12px 0;text-decoration:none;width:100%}.p5_3X .fs-article .link-embed:hover{text-decoration:none}.p5_3X .fs-article .link-embed:hover .link-embed__title{text-decoration:underline}.p5_3X .fs-article .link-embed .link-embed__info{display:inline-flex;flex-direction:column;font-family:Graphik,Helvetica;justify-content:space-between;padding-right:10px;pointer-events:none;width:66%}.p5_3X .fs-article .link-embed .link-embed__provider{font-size:10px;letter-spacing:.5;line-height:1;margin-bottom:10px;text-transform:uppercase}.p5_3X .fs-article .link-embed .link-embed__title{font:700 16px/1.38 Merriweather,GeorgiaCustom}.p5_3X .fs-article .link-embed .link-embed__byline{font-size:10px;margin:10px 0 0}.p5_3X .fs-article .link-embed .link-embed__author{font-weight:700}.p5_3X .fs-article .link-embed .link-embed__thumbnail-wrapper{display:block;padding-bottom:18.56%;pointer-events:none;position:relative;width:33%}.p5_3X .fs-article .link-embed .link-embed__thumbnail{background-position:50%;background-repeat:no-repeat;background-size:cover;display:block;padding-bottom:56.25%;position:absolute;top:50%;transform:translateY(-50%);width:100%}.p5_3X .fs-article .link-embed--no-thumbnail .link-embed__info{padding-right:0;width:100%}@media(max-width:768px){.p5_3X .fs-article .link-embed--long-title .link-embed__info{padding-right:0;width:100%}.p5_3X .fs-article .link-embed--long-title .link-embed__thumbnail-wrapper{display:none}}.p5_3X .fs-article .quote-embed{border:0!important;clear:both;font-family:Graphik,Helvetica;padding:30px!important;position:relative;width:100%}.p5_3X .fs-article .quote-embed footer,.p5_3X .fs-article .quote-embed p{overflow:hidden;text-overflow:ellipsis}.p5_3X .fs-article .quote-embed p{background-color:inherit;font-size:24px;font-weight:600;line-height:1.25;margin:0!important}.p5_3X .fs-article .quote-embed footer{font-size:16px;margin-top:1.6rem;position:relative}.p5_3X .fs-article .quote-embed:before{display:none}.p5_3X .fs-article .quote-embed.bleedright{float:right;margin-top:0;padding:30px;text-align:left}.p5_3X .fs-article .quote-embed.bleedright p{line-height:1.25}.p5_3X .fs-article .quote-embed.bleedright footer{position:relative}.p5_3X .fs-article .quote-embed.bleedleft{float:left;margin-right:20px;margin-top:0;padding:30px;text-align:right}.p5_3X .fs-article .quote-embed.bleedleft p{line-height:1.25}.p5_3X .fs-article .quote-embed.bleedleft footer{position:relative}.p5_3X .fs-article .quote-embed.bleed{padding-left:200px!important;padding-right:200px!important;text-align:center}.p5_3X .fs-premium .quote-embed{background-color:#e41e2c}.p5_3X .fs-premium .quote-embed footer,.p5_3X .fs-premium .quote-embed p{color:inherit}@media (max-width:768px){.p5_3X .fs-premium .fs-article .quote-embed{margin-left:-1rem;max-width:700px;text-align:center;width:100vw}.p5_3X .fs-premium .fs-article .quote-embed.bleed{padding:30px!important}.p5_3X .fs-premium .fs-article .quote-embed.bleedleft{float:none;text-align:left}.p5_3X .fs-premium .fs-article .quote-embed.bleedright{float:none;text-align:right}}.p5_3X .recirc-container{border-top:1px solid #e3e3e3;padding:16px 0}.p5_3X .cards-container{border-bottom:1px solid #737373;gap:29px;padding-bottom:16px}.p5_3X .recirc-header{display:flex;font:400 10px/12px Graphik,Helvetica;margin-bottom:21px}.p5_3X .header-source{margin-left:4px}.p5_3X .recirc-unit-card-container{display:flex;gap:24px;justify-content:space-between;width:100%}.p5_3X .recommended-article-container{display:flex;flex-direction:column;width:50%}.p5_3X .recirc-unit-article-title{color:#333!important;display:block;font:500 18px/27px Graphik,Helvetica;margin:16px 0 8px;text-decoration:none!important}.p5_3X a.recir__comments{align-items:center;color:#007ac8;display:flex;gap:4px;line-height:0;padding:8px}.p5_3X a.recir__comments:hover{text-decoration:none}.p5_3X .recirc__comments-icon .fs-icon--comment{fill:currentColor;width:16px}.p5_3X .recirc__comments-count{font:10px/12px Graphik,Helvetica;letter-spacing:-.2px}.p5_3X .recirc-unit-actions:where(:not(:empty)){align-items:center;display:flex;margin-bottom:16px}.p5_3X .recirc-unit-author-wrapper{align-items:center;display:flex;font:400 12px/16px Graphik,Helvetica}.p5_3X .recirc-unit-author-name{color:#333!important;margin-left:4px;text-decoration:none!important}.p5_3X .recirc-unit-author-label{color:#737373;margin-left:5px}.p5_3X .recirc-unit-thumbnail-wrapper{height:124px!important;margin-top:16px;min-height:unset!important;width:220px}.p5_3X .recirc-unit-article-thumbnail{height:124px!important;min-height:unset!important;object-fit:inherit!important;width:220px!important}.p5_3X .recirc-unit-article-thumbnail img{width:220px!important}@media (max-width:1024px){.p5_3X .recirc-unit-card-container{gap:16px}}@media (max-width:768px){.p5_3X .recirc-container{border-bottom:none}.p5_3X .recirc-header{margin-bottom:0}.p5_3X .recommended-article-container{width:60%}.p5_3X .recirc-unit-thumbnail-wrapper{height:68px;margin-top:36px;width:121px}.p5_3X .recirc-unit-article-thumbnail{height:68px!important;min-height:unset!important;width:121px!important}.p5_3X .recirc-unit-article-thumbnail img{width:121px!important}}.p5_3X .fs-article .rule-embed{border:0;border-top:1px solid;clear:both;color:#e2e2e2}.p5_3X .fs-article .rule-embed.weight-regular{border-top-width:4px}.p5_3X .fs-article .rule-embed.weight-medium{border-top-width:8px}.p5_3X .fs-article .rule-embed.weight-heavy{border-top-width:16px}.p5_3X .fs-article .rule-embed.border-dash{border-top-style:dashed}.p5_3X .fs-article .rule-embed.border-dot{border-top-style:dotted}.p5_3X .fs-premium .subhead-embed.has-bg-color,.p5_3X .fs-premium .subhead3-embed.has-bg-color,.p5_3X .fs-premium .subhead4-embed.has-bg-color{margin-left:-1.2rem;padding:1.2rem;width:calc(100% + 2.4rem)}.p5_3X .btn{align-items:center;border:none;border-radius:5px;box-sizing:border-box;cursor:pointer;display:inline-flex;font-size:.875em;font-weight:700;justify-content:center;line-height:1;transition:all .2s ease}.p5_3X .btn.btn-rect-lg{padding:1.5em 1em}.p5_3X .btn.btn-rect-sm{padding:.75em 1em}.p5_3X .btn.btn-square{height:45px;padding:1.1em 1em;width:45px}.p5_3X .btn.btn-circle{border-radius:50%;height:2rem;width:2rem}.p5_3X .btn.btn-black{background-color:#000;color:#fff}.p5_3X .btn.btn-black:hover{background-color:#1a1a1a;color:#fff}.p5_3X .btn.btn-black.secondary{background-color:#fff;border:2px solid #000;color:#000}.p5_3X .btn.btn-black.secondary:hover{border:2px solid #1a1a1a;color:#1a1a1a}.p5_3X .btn.btn-gray{background-color:#999;color:#fff}.p5_3X .btn.btn-gray:hover{background-color:#b3b3b3;color:#fff}.p5_3X .btn.btn-gray.secondary{background-color:#fff;border:2px solid #999;color:#999;color:#000}.p5_3X .btn.btn-gray.secondary:hover{border:2px solid #b3b3b3;color:#b3b3b3}.p5_3X .btn.btn-blue{background-color:#069eec;color:#fff}.p5_3X .btn.btn-blue:hover{background-color:#2bb4fa;color:#fff}.p5_3X .btn.btn-blue.secondary{background-color:#fff;border:2px solid #069eec;color:#069eec;color:#000}.p5_3X .btn.btn-blue.secondary:hover{border:2px solid #2bb4fa;color:#2bb4fa}.p5_3X .btn.btn-red{background-color:#f0222e;color:#fff}.p5_3X .btn.btn-red:hover{background-color:#f3525b;color:#fff}.p5_3X .btn.btn-red.secondary{background-color:#fff;border:2px solid #f0222e;color:#f0222e;color:#000}.p5_3X .btn.btn-red.secondary:hover{border:2px solid #f3525b;color:#f3525b}.p5_3X .btn.btn-yellow{background-color:#ffc000;color:#000}.p5_3X .btn.btn-yellow:hover{background-color:#ffcd33;color:#1a1a1a}.p5_3X .btn.btn-yellow.secondary{background-color:#fff;border:2px solid #ffc000;color:#ffc000;color:#000}.p5_3X .btn.btn-yellow.secondary:hover{border:2px solid #ffcd33;color:#ffcd33}.p5_3X .btn:hover{box-shadow:0 0 20px #0003}.p5_3X .btn:active{box-shadow:none;left:.5px;top:.5px}.p5_3X .btn-facebook{background-color:#3b5998;border-radius:50%;color:#fff;height:2rem;width:2rem}.p5_3X .btn-facebook:hover{background-color:#4c70ba;color:#fff}.p5_3X .btn-facebook-secondary{background-color:#fff;border:2px solid #3b5998;border-radius:50%;color:#3b5998;height:2rem;width:2rem}.p5_3X .btn-facebook-secondary:hover{border:2px solid #4c70ba;color:#4c70ba}.p5_3X .btn-google{background-color:#dd4b39;border-radius:50%;color:#fff;height:2rem;width:2rem}.p5_3X .btn-google:hover{background-color:#e47365;color:#fff}.p5_3X .btn-google-secondary{background-color:#fff;border:2px solid #dd4b39;border-radius:50%;color:#dd4b39;height:2rem;width:2rem}.p5_3X .btn-google-secondary:hover{border:2px solid #e47365;color:#e47365}.p5_3X .btn-linkedin{background-color:#0077b5;border-radius:50%;color:#fff;height:2rem;width:2rem}.p5_3X .btn-linkedin:hover{background-color:#0099e8;color:#fff}.p5_3X .btn-linkedin-secondary{background-color:#fff;border:2px solid #0077b5;border-radius:50%;color:#0077b5;height:2rem;width:2rem}.p5_3X .btn-linkedin-secondary:hover{border:2px solid #0099e8;color:#0099e8}.p5_3X .btn-twitter{background-color:#55acee;border-radius:50%;color:#fff;height:2rem;width:2rem}.p5_3X .btn-twitter:hover{background-color:#83c3f3;color:#fff}.p5_3X .btn-twitter-secondary{background-color:#fff;border:2px solid #55acee;border-radius:50%;color:#55acee;height:2rem;width:2rem}.p5_3X .btn-twitter-secondary:hover{border:2px solid #83c3f3;color:#83c3f3}.p5_3X .btn-instagram{background-color:#333;border-radius:50%;color:#fff;height:2rem;width:2rem}.p5_3X .btn-instagram:hover{background-color:#4d4d4d;color:#fff}.p5_3X .btn-instagram-secondary{background-color:#fff;border:2px solid #333;border-radius:50%;color:#333;height:2rem;width:2rem}.p5_3X .btn-instagram-secondary:hover{border:2px solid #4d4d4d;color:#4d4d4d}.p5_3X .btn-youtube{background-color:#cd201f;border-radius:50%;color:#fff;height:2rem;width:2rem}.p5_3X .btn-youtube:hover{background-color:#e23e3d;color:#fff}.p5_3X .btn-youtube-secondary{background-color:#fff;border:2px solid #cd201f;border-radius:50%;color:#cd201f;height:2rem;width:2rem}.p5_3X .btn-youtube-secondary:hover{border:2px solid #e23e3d;color:#e23e3d}.p5_3X .btn-pinterest{background-color:#bd081c;border-radius:50%;color:#fff;height:2rem;width:2rem}.p5_3X .btn-pinterest:hover{background-color:#ee0a23;color:#fff}.p5_3X .btn-pinterest-secondary{background-color:#fff;border:2px solid #bd081c;border-radius:50%;color:#bd081c;height:2rem;width:2rem}.p5_3X .btn-pinterest-secondary:hover{border:2px solid #ee0a23;color:#ee0a23}.p5_3X .btn-email{background-color:#999;border-radius:50%;color:#fff;height:2rem;width:2rem}.p5_3X .btn-email:hover{background-color:#b3b3b3;color:#fff}.p5_3X .btn-email-secondary{background-color:#fff;border:2px solid #999;border-radius:50%;color:#999;height:2rem;width:2rem}.p5_3X .btn-email-secondary:hover{border:2px solid #b3b3b3;color:#b3b3b3}.p5_3X fbs-embedly{display:block;height:0;margin:0;overflow:hidden;padding-bottom:67.5%;position:relative;width:100%}.p5_3X fbs-embedly iframe{border:0;height:100%;left:0;position:absolute;top:0;width:100%}._4tKaI{flex:1 0 auto}.HUZQQ{align-items:center;display:flex}@media(max-width:479px){.HUZQQ{align-items:baseline;flex-direction:column;gap:8px}}.UzIGW{background-color:#171717;padding:17px 24px 18px}@media(max-width:479px){.UzIGW{padding:8px 16px}}._8Y1JQ{color:#000;font:500 14px/21px Graphik,Helvetica;text-decoration:none;text-transform:uppercase}@media(max-width:479px){._8Y1JQ{font-size:12px;line-height:18px}}._8Y1JQ:has(+.cB20L):after{background-color:#000;border-radius:10px;content:"";display:inline-block;height:16px;margin:0 8px -2px;width:1px}@media(max-width:1023px){._8Y1JQ:has(+.cB20L):after{margin-bottom:-4px}}@media(max-width:479px){._8Y1JQ:has(+.cB20L):after{display:none}}.uEn4T span:last-child a{color:#333}.keHXw span:last-child a{color:#fff}@media(min-width:480px){._ELXg{font:400 14px/21px Graphik,Helvetica}}.iMfFN{align-items:center;color:#baa055;display:flex;font:500 14px/21px Graphik,helvetica,sans-serif;text-decoration:none;text-transform:uppercase}.yLGWm{gap:8px;margin-right:8px}.yLGWm:after{background-color:#fff;content:"";display:block;height:16px;width:1px}@media(max-width:479px){.yLGWm:after{content:none}}.HQjGm{width:115px}.lOw_p{width:120px}.HQjGm,.lOw_p{white-space:nowrap}.pDsyM{border-color:var(--article-text-color);color:var(--article-text-color)}.pDsyM,.pDsyM span{background-color:var(--article-bg-color)}.pDsyM span svg{stroke:var(--article-text-color)}.pDsyM:active span,.pDsyM:hover span{background:none}.pDsyM:hover{background-color:rgba(240,240,240,var(--icon-hover-opacity,1))}.pDsyM:active{background-color:rgba(227,227,227,var(--icon-hover-opacity,1))}.Msqbf{color:currentColor;font:400 14px/21px Graphik,helvetica,sans-serif;letter-spacing:-.2px}.Msqbf *{display:inline}.lhTf3{height:auto}@media(min-width:1024px){.CRVMw{word-break:break-all}}.CF_dd{color:var(--article-text-color,#333);display:inline}.CF_dd .LfmqX,.CF_dd .ZIbPg,.CF_dd ._9xFYp{font:500 14px/21px Graphik,helvetica,sans-serif}.CF_dd .ZIbPg,.CF_dd ._9xFYp{color:currentColor;text-decoration:underline}.CF_dd ._9xFYp{margin-right:0}.CF_dd .DHzQR{font-family:Graphik,helvetica,sans-serif;font-weight:400}.AhtZ3{margin:8px 0;max-width:704px}@media(min-width:480px){.AhtZ3{display:flex}}.ZgVJj{display:flex;flex-grow:1;gap:8px}@media(max-width:479px){.ZgVJj{margin-bottom:16px}}._9GOxm{display:flex;flex-direction:column}._9GOxm.yF_7D{margin:auto 0}.vDF8R{display:flex;gap:8px}@media(min-width:480px){.vDF8R{margin-top:5px}}.ftgFT{border-radius:50%;display:inline;height:40px;width:40px}.VdIFC{color:var(--article-text-color,#333);margin-top:4px}.VdIFC.vCM0_{margin-top:0}.VdIFC .YDyVA,.VdIFC .iOnj7{font:500 14px/21px Graphik,helvetica,sans-serif}.VdIFC .iOnj7{margin-right:0;text-decoration:underline}@media(max-width:479px){.VdIFC{margin-top:4px}}.s0jT_{display:inline;font:400 14px/21px Graphik,helvetica,sans-serif}.s0jT_:before{content:", ";font-weight:500}.Ltn4K,.s0jT_:before{font-family:Graphik,helvetica,sans-serif}.Ltn4K{font-weight:400}@media(max-width:479px){.dk40Q{font-size:12px;line-height:16px}}@media(max-width:1023px){.T65Fn{margin-top:-5px;min-width:40px}}@media(max-width:479px){.T65Fn{margin-top:0}}._9InvN{color:currentColor;flex-shrink:0;height:40px;margin:0;padding:8px;width:40px}@media(hover:hover){._9InvN:hover{background-color:rgba(240,240,240,var(--icon-hover-opacity,1))}}._9InvN:focus{border-color:#0000}@media(min-width:1024px){._9InvN{height:32px;width:32px}}._9InvN svg{fill:var(--article-text-color,#007ac8);height:16px;width:16px}@media(max-width:1023px){._9InvN svg{height:24px;width:24px}}.RGcmU{font:500 12px/150% Graphik,helvetica,sans-serif;margin-left:16px}@media(max-width:479px){.RGcmU{margin:0}}._LpKe{display:inline;font:400 14px/21px Graphik,helvetica,sans-serif}._LpKe:before{content:", ";font-weight:500}._LpKe:before,.msuaQ{font-family:Graphik,helvetica,sans-serif}.msuaQ{font-weight:400}@media(max-width:479px){.wPb_f{font-size:12px;line-height:16px}}.rwK2G{align-items:center;display:flex;gap:4px;margin:16px 0}@media(min-width:768px){.rwK2G{margin-top:0}}.CKkMh{background-color:#0000;color:var(--article-text-color,#007ac8);padding:8px}.CKkMh:disabled{background-color:#f0f0f099;color:#bbb}.CKkMh svg{display:flex;height:16px;width:16px}@media(hover:hover){.CKkMh:hover{background-color:rgba(240,240,240,var(--icon-hover-opacity,1))}}.CKkMh:active{background-color:rgba(227,227,227,var(--icon-hover-opacity,1))}.RbOxY{justify-content:start;width:121px}.RbOxY .ktx_b{color:currentColor;font:500 12px/150% Graphik,helvetica,sans-serif}.RbOxY svg{stroke:currentColor}.RbOxY.zd3p0 svg{fill:currentColor}@media(min-width:768px){.RbOxY{width:118px}}.j_WUt{align-items:center;border-radius:16px;display:flex;font:600 12px/16px Graphik,helvetica,sans-serif;gap:8px}.j_WUt svg{fill:currentColor}.j_WUt[disabled]{pointer-events:none}.AYwaD{width:unset}.AYwaD svg{fill:currentColor}@media(max-width:479px){.ae7UW{z-index:11}}.iU854{left:0}.b6Cr_{margin:16px 0 56px}.b6Cr_ .fbs-ad--nativeinbody-d-wrapper{min-height:442px}.b6Cr_ .fbs-ad--nativeinbody-m-wrapper{min-height:460px}.b6Cr_ .fbs-ad--nativeinbody-d-wrapper,.b6Cr_ .fbs-ad--nativeinbody-m-wrapper{font-feature-settings:"liga" off,"clig" off;display:flex;flex-direction:column;float:left;justify-content:center;margin:16px 16px -2px 0;overflow:hidden;width:342px}.b6Cr_ .fbs-ad--nativeinbody-d-wrapper.hidden,.b6Cr_ .fbs-ad--nativeinbody-m-wrapper.hidden{display:none}@media(max-width:1280px){.b6Cr_ .fbs-ad--nativeinbody-d-wrapper,.b6Cr_ .fbs-ad--nativeinbody-m-wrapper{float:none;margin:16px auto calc(-2px - 1.2rem) 0;min-width:unset;width:100%}}@media(max-width:479px){.b6Cr_{margin-bottom:32px}}.b6Cr_ [id^=anchorTag]{scroll-margin-top:110px}.b6Cr_ progressive-image img{width:100%}.b6Cr_ .main-content--premium-article.main-content__logged-in-adblock fbs-ad[position=top],.b6Cr_ .main-content--premium-article.main-content__logged-in-adblock fbs-ad[position=topx]{display:none}.b6Cr_ .main-content--body.premium{overflow:hidden;overflow-anchor:none;position:relative}.b6Cr_ .premium-article-wrapper{display:flex;justify-content:center;margin:0 auto;max-width:700px;position:relative;width:60%}.b6Cr_ .premium-article-wrapper .fs-headline{margin:16px 0 0}.b6Cr_ .social-icons ul{flex-direction:column}.b6Cr_ .premium-wrapper{display:flex;flex-direction:column}.b6Cr_ .premium-wrapper .ow-container{margin-top:56px}.b6Cr_ .premium-container.no-authors-margin{margin-top:8px}.b6Cr_ .premium-container.body-container{font-size:20px;padding:0}.b6Cr_ .premium-container .article-body-container fbs-ad[position=top],.b6Cr_ .premium-container .article-body-container fbs-ad[position=topx]{display:block;margin:32px 0 32px calc(50% - 50vw);overflow-x:auto;padding:0;position:relative;text-align:center;width:100vw}.b6Cr_ .premium-container .article-body-container fbs-ad[position=top] div.show-label:before,.b6Cr_ .premium-container .article-body-container fbs-ad[position=topx] div.show-label:before{opacity:.8}.b6Cr_ .premium-container .article-body-container p:has(br){clear:both}.b6Cr_ .premium-container .article-body-container a.finds-embed.aligncenter{margin:19px auto}.b6Cr_ .premium-container .hide-contribs>.article-sharing{padding:16px 0}.b6Cr_ .premium-container .article-body.fs-premium figure{margin-top:0}.b6Cr_ .premium-container .article-body.fs-premium figure img{width:100%}.b6Cr_ .premium-container .embed-base.animatable{opacity:0;transition:all .8s ease-out}.b6Cr_ .premium-container .embed-base.animatable:not(.bleedright,.bleedleft,.alignright,.alignleft,.offsetright,.offsetleft){transform:translateY(150px)}.b6Cr_ .premium-container .embed-base.animatable:not(.bleedright,.bleedleft,.alignright,.alignleft,.offsetright,.offsetleft).animate{opacity:1;transform:translateY(0);transition:all .8s ease-out}.b6Cr_ .premium-container .embed-base.animatable.alignright,.b6Cr_ .premium-container .embed-base.animatable.bleedright,.b6Cr_ .premium-container .embed-base.animatable.offsetright{transform:translateX(150px)}.b6Cr_ .premium-container .embed-base.animatable.alignright.animate,.b6Cr_ .premium-container .embed-base.animatable.bleedright.animate,.b6Cr_ .premium-container .embed-base.animatable.offsetright.animate{opacity:1;transform:translateX(0)}.b6Cr_ .premium-container .embed-base.animatable.alignleft,.b6Cr_ .premium-container .embed-base.animatable.bleedleft,.b6Cr_ .premium-container .embed-base.animatable.offsetleft{transform:translateX(-150px)}.b6Cr_ .premium-container .embed-base.animatable.alignleft.animate,.b6Cr_ .premium-container .embed-base.animatable.bleedleft.animate,.b6Cr_ .premium-container .embed-base.animatable.offsetleft.animate{opacity:1;transform:translateX(0)}.b6Cr_ .premium-container .embed-base.bleed{margin:0 0 1.2rem calc(50% - 50vw);width:100vw}.b6Cr_ .premium-container .embed-base.bleed img{width:100%}.b6Cr_ .premium-container .embed-base.bleed figcaption{margin:8px 20% 0}.b6Cr_ .premium-container .embed-base.bleedright{float:right;margin-left:5.5%;margin-right:calc(50% - 50vw);width:50vw}.b6Cr_ .premium-container .embed-base.bleedright figcaption{margin:8px 20% 0 0}.b6Cr_ .premium-container .embed-base.bleedleft{float:left;margin-left:calc(50% - 50vw);margin-right:5.5%;width:50vw}.b6Cr_ .premium-container .embed-base.bleedleft figcaption{margin:8px 0 0 20%}.b6Cr_ .premium-container .embed-base.brightcove-video-wrapper{height:auto!important;padding-bottom:0!important}.b6Cr_ .premium-container .embed-base.brightcove-video-wrapper .alignleft{margin:0 0 1.75%}.b6Cr_ .premium-container .embed-base.brightcove-video-wrapper .alignright{margin:0 0 1.75% auto}.b6Cr_ .premium-container .embed-base.brightcove-video-wrapper .video-watch--title{margin-bottom:8px}.b6Cr_ .premium-container blockquote{margin:24px 0}.b6Cr_ .premium-container .light-text{opacity:.8}.b6Cr_ .premium-container ul.article-sharing__container{flex-direction:row}.b6Cr_ .premium-container .social-icons ul.article-sharing__container,.b6Cr_ .premium-container ul.vertical-icons{display:flex;flex-direction:column}.b6Cr_ .premium-container .article-sharing{height:100%;margin-top:7px;padding-bottom:4px}.b6Cr_ .premium-container .article-sharing .social-icon:hover{color:#007ac8;opacity:unset}.b6Cr_ .premium-container .article-sharing__item{margin:0}.b6Cr_ .premium-container .spacing{margin:0 0 28px}.b6Cr_ .premium-container .bottom-author-block,.b6Cr_ .premium-container .bottom-contrib-block{margin-bottom:12px}.b6Cr_ .premium-container .author-byline,.b6Cr_ .premium-container .contrib-byline{width:100%}.b6Cr_ .premium-container .fs-headline{line-height:44px}.b6Cr_ .premium-container .header-content-container{border-top:5px solid;padding:40px 0 0}.b6Cr_ .premium-container .top-contrib-block__premium.social-hidden{justify-content:end}.b6Cr_ .premium-container .top-contrib-block__premium{align-items:center;color:currentColor;display:flex;flex-direction:row;justify-content:space-between}.b6Cr_ .premium-container .top-contrib-block__premium.with-border{border-top:1px solid #e2e2e2;margin:0;min-height:34px;min-width:100%;padding:8px 0 4px}.b6Cr_ .premium-container .top-contrib-block__premium.empty-premium-block{display:none}.b6Cr_ .premium-container .top-contrib-block__premium.no-headline .article-sharing-premium{margin-left:auto}.b6Cr_ .premium-container .top-contrib-block__premium.no-authors-margin{margin-top:8px}.b6Cr_ .premium-container .top-contrib-block__premium .article-sharing.no-author-details{margin:0 auto}.b6Cr_ .premium-container .top-author-block,.b6Cr_ .premium-container .top-contrib-block{display:flex;justify-content:space-between;margin:0 auto;max-width:700px}.b6Cr_ .premium-container .top-author-block.no-border,.b6Cr_ .premium-container .top-contrib-block.no-border{border:0}.b6Cr_ .premium-container .top-author-block.hide-contribs.default,.b6Cr_ .premium-container .top-contrib-block.hide-contribs.default{padding-top:16px}.b6Cr_ .premium-container .top-author-block.hide-contribs.bleed-above,.b6Cr_ .premium-container .top-author-block.hide-contribs.bleed-below,.b6Cr_ .premium-container .top-author-block.hide-contribs.color-left,.b6Cr_ .premium-container .top-author-block.hide-contribs.color-overlay,.b6Cr_ .premium-container .top-author-block.hide-contribs.overlay,.b6Cr_ .premium-container .top-contrib-block.hide-contribs.bleed-above,.b6Cr_ .premium-container .top-contrib-block.hide-contribs.bleed-below,.b6Cr_ .premium-container .top-contrib-block.hide-contribs.color-left,.b6Cr_ .premium-container .top-contrib-block.hide-contribs.color-overlay,.b6Cr_ .premium-container .top-contrib-block.hide-contribs.overlay{border:none}.b6Cr_ .premium-container .top-author-block.hide-contribs.with-border,.b6Cr_ .premium-container .top-contrib-block.hide-contribs.with-border{min-height:fit-content;min-width:100%}.b6Cr_ .premium-container .atmospheric-video-embed{background-position:50%;background-repeat:no-repeat;display:inline-block;height:0;position:relative;width:100%}.b6Cr_ .premium-container .atmospheric-video-embed video{display:inline-block;left:0;position:absolute;top:0;width:100%}.b6Cr_ .premium-container .metrics-channel{margin-top:0}.b6Cr_ .premium-container .metrics-channel.light-text{opacity:.8}.b6Cr_ .premium-container .metrics-channel.no-headline-metrics{padding:16px 0;text-align:center;width:100%}.b6Cr_ .premium-container .disclaimer{opacity:1}.b6Cr_ .premium-container .disclaimer svg{opacity:.8}.b6Cr_ .premium-container .color-fill-disclaimer path,.b6Cr_ .premium-container .color-fill-disclaimer svg,.b6Cr_ .premium-container .premium-share-icons svg{fill:currentColor}.b6Cr_ .article-subtype__masthead h2.subhead-embed.font-accent{font-family:Graphik,Helvetica;font-size:24px;font-weight:500}.b6Cr_ .article-subtype__masthead h3{font-weight:700}.b6Cr_ .grid{margin:0 calc(max(-37.5vw, -800px) + 50%);padding-top:40px}.b6Cr_ .grid .ratio16x9{position:relative}.b6Cr_ .grid .ratio16x9-video:before,.b6Cr_ .grid .ratio16x9:before{content:"";display:block;padding-bottom:56.25%}.b6Cr_ .grid .grid__title-text{font-size:16px;line-height:1.5}@media (max-width:768px){.b6Cr_ .premium-container.body-container{width:100%}.b6Cr_ .premium-container .bleed figcaption{margin:8px 12.5% 0}}.b6Cr_ .article-body.active-hardwall>:nth-last-child(2):after{background-image:linear-gradient(180deg,#fff0,#fff 90%);bottom:0;content:"";display:block;height:6em;left:0;margin-bottom:-6em;pointer-events:none;position:relative;top:-6em;width:100%;z-index:1}.b6Cr_ .article-body .active-hardwall{min-height:1100px}.b6Cr_ .article-body .active-hardwall .tp-container-inner{box-shadow:0 1px 9px 4px #0000001a}.b6Cr_ .desktop-preview{padding:0 40px 12px;width:100%}.b6Cr_ .beta-margin{background-color:#171717;height:32px}.b6Cr_ div.article-body{color:#333;font:normal normal 18px/30px tabular-numbers,Georgia,"Droid Serif",Times New Roman,Times,serif;max-width:unset}.b6Cr_ div.article-body .article-gallery-embedded{border-color:currentcolor;border-style:solid;border-width:1px 0;color:#e6e6e6;font-size:1.5rem;margin:1em 0;overflow:hidden;padding:1.5em 0;width:100%}.b6Cr_ div.article-body .article-gallery-embedded.light-text{opacity:1}@media(min-width:480px){.b6Cr_ div.article-body .article-gallery-embedded a{display:flex;justify-content:space-between;position:relative}}@media(max-width:479px){.b6Cr_ div.article-body .article-gallery-embedded{margin-bottom:12px;margin-top:22px;padding:16px 0}}.b6Cr_ div.article-body .article-gallery-embedded a:hover{text-decoration:none}.b6Cr_ div.article-body .article-gallery-embedded a:hover h4{text-decoration:underline}.b6Cr_ div.article-body .article-gallery-embedded .article-image-box{box-shadow:8px 8px 0 #0000000f;flex-basis:50%}.b6Cr_ div.article-body .article-gallery-embedded .article-image-box.light-text{opacity:1}.b6Cr_ div.article-body .article-gallery-embedded .article-image-box img{align-self:flex-start}.b6Cr_ div.article-body .article-gallery-embedded .article-text-box{flex-basis:50%;position:relative}.b6Cr_ div.article-body .article-gallery-embedded .article-text-box a{flex-direction:column}@media(min-width:480px){.b6Cr_ div.article-body .article-gallery-embedded .article-text-box{padding-left:1em}}.b6Cr_ div.article-body .article-gallery-embedded .article-bv-label{color:#737373;font:12px/1 Graphik,Helvetica;letter-spacing:-.2px;margin-bottom:7px}.b6Cr_ div.article-body .article-gallery-embedded .bv-label-text{color:#c41a23;margin-left:5px}.b6Cr_ div.article-body .article-gallery-embedded .icon-gallery{color:#6f6f6f;margin-right:.5em}.b6Cr_ div.article-body .article-gallery-embedded .embedded-content{display:flex}.b6Cr_ div.article-body .article-gallery-embedded .embedded-content h4{font:700 18px/1.56 Merriweather,GeorgiaCustom;margin:0}.b6Cr_ div.article-body .article-gallery-embedded .article-launch-gallery{color:#333;display:inline-block;font:500 14px/1.57 Graphik,Helvetica}.b6Cr_ div.article-body .article-gallery-embedded .article-launch-text{margin-right:8px}.b6Cr_ div.article-body .article-gallery-embedded .article-slide-count{color:#a9a9a9;font:12px/30px Graphik,Helvetica}.b6Cr_ div.article-body .article-gallery-embedded .article-arrow-right{display:inline-block;vertical-align:middle}@media(max-width:479px){.b6Cr_ div.article-body .article-gallery-embedded .article-arrow-right{display:flex;margin-left:8px}}.b6Cr_ div.article-body .article-gallery-embedded .fs-icon--arrow-right{fill:currentColor;height:16px;width:16px}.b6Cr_ div.article-body .mobile-image-wrapper img{max-height:100%;object-fit:contain}.b6Cr_ div.article-body .mobile-image-wrapper img.contain{min-height:185px;position:relative;width:100%}.b6Cr_ div.article-body .image-embed .wp-caption-text{font-style:normal}.b6Cr_ div.article-body .image-embed .hidden-caption{display:none}.b6Cr_ div.article-body .image-embed figcaption{margin-top:8px}.b6Cr_ div.article-body .image-embed figcaption,.b6Cr_ div.article-body .image-embed small{font:400 12px/16px Graphik,Helvetica;letter-spacing:-.2px}.b6Cr_ div.article-body:not(.fs-premium)>h2{font:500 24px/30px Graphik,Helvetica}@media(max-width:479px){.b6Cr_ div.article-body{font:normal normal 17px/27.2px tabular-numbers,Georgia,"Droid Serif",Times New Roman,Times,serif;font-stretch:normal;overflow-anchor:none;z-index:10}}.b6Cr_ div.article-body>p{font:normal 17px/160% Georgia,Cambria,Times New Roman,Times,serif;margin:16px 0}@media(min-width:768px){.b6Cr_ div.article-body.fs-premium>p{font-size:18px;line-height:30px}}.b6Cr_ .article-text{line-height:1.63}.b6Cr_ .article-mobile-ad,.b6Cr_ .native-ad-mobile{display:flex!important;margin-bottom:5px}.b6Cr_ .article-mobile-ad>div,.b6Cr_ .native-ad-mobile>div{text-align:center;width:100%}.b6Cr_ fbs-accordion .wp-caption-text-caption:after{content:"...";display:inline-block}.b6Cr_ fbs-accordion .content,.b6Cr_ fbs-accordion .minus{display:none}.b6Cr_ fbs-accordion [aria-expanded=true] .minus{display:block}.b6Cr_ fbs-accordion [aria-expanded=true] .wp-caption-text-caption:after{display:none}.b6Cr_ fbs-accordion [aria-expanded=true] .content{display:block;line-height:16px}.b6Cr_ [position=inread]{text-align:center}.b6Cr_ .article-mobile-ad.showLabel>div:before,.b6Cr_ [position=inread].showLabel>div:before{content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,helvetica,sans-serif;margin-bottom:10px;text-align:center;width:100%}.b6Cr_ .vestpocket{margin:16px 0;min-height:300px}.b6Cr_ .vestpocket.swimlane{min-height:180px}.b6Cr_ .amp-imgratio{display:block}.b6Cr_ .wp-caption-text,.b6Cr_ .wp-credit-text{color:#737373;font:normal 12px Graphik,Helvetica}.b6Cr_ .wp-caption-text .header,.b6Cr_ .wp-credit-text .header{outline:0}.b6Cr_ .wp-credit-text{text-transform:uppercase}.b6Cr_ .recirc-module-title{color:#333;font:12px/18px Graphik,Helvetica;letter-spacing:.5px}.b6Cr_ .recirc-module-title span{margin-left:5px}.b6Cr_ .recirc-module:not(:empty){border-bottom:1px solid #ebebeb;border-top:1px solid #ebebeb;clear:both;margin-bottom:12px;padding:12px 0}.b6Cr_ .recirc-block-padding{display:flex;justify-content:space-between;padding-top:13px}.b6Cr_ .recirc-content{padding-right:10px;width:75%}.b6Cr_ .recirc-link h3.recirc-headline-no-margin{color:currentColor;font:700 16px/24px Merriweather,GeorgiaCustom;margin:0}.b6Cr_ .recirc-img{background:no-repeat 50%;background-size:cover;height:0;padding-bottom:14.0625%;width:25%}.b6Cr_ .fs-article a.recirc-author{color:currentColor;font:12px/18px Graphik,Helvetica;text-decoration:none;text-decoration-color:initial}.b6Cr_ .recirc-author{display:inline-block}.b6Cr_ .recirc-author-name{display:inline-block;font-weight:600;margin:0 5px}.b6Cr_ .recirc-author-type{color:#737373;display:inline-block;font:12px/16px Graphik,Helvetica}.b6Cr_ .newsletter-inline-flex{margin-bottom:19px}@media(max-width:479px){.b6Cr_ .newsletter-inline-flex{margin-bottom:24px}}.b6Cr_ .newsletter-inline-flex .subscribe-wrapper{display:none}.b6Cr_ .fs-article .newsletter-header,.b6Cr_ .fs-article .newsletter-inline-flex{margin:0 0 16px}.b6Cr_ .fs-premium h3.subhead3-embed{line-height:28px}@media(max-width:479px){.b6Cr_ .fs-premium h3.subhead3-embed{font-size:18px;line-height:26px}}@media(max-width:767px){.b6Cr_ .fs-premium .image-embed{line-height:18px;margin:24px 0;max-width:425px;width:100%}}@media(max-width:479px){.b6Cr_ .fs-premium hr.rule-embed:first-of-type{margin-bottom:24px}.b6Cr_ .fs-premium:first-child>.subhead3-embed{margin-top:24px}}.b6Cr_ .fs-article h2.faqs-title{color:var(--article-text-color,#242424);font:400 32px/1.2 SchnyderS demi,Garamond,serif;margin-top:24px;padding:0 0 19px}@media(max-width:479px){.b6Cr_ .fs-article h2.faqs-title{font-size:26px}.b6Cr_ .fs-article .youtube-wrapper>iframe{width:100%}}.b6Cr_ .image-embed__placeholder{display:block;height:0;overflow:hidden}.b6Cr_ .image-embed__placeholder progressive-image{display:flex!important;height:100%;justify-content:center;left:0;position:absolute!important;top:0;width:100%}.b6Cr_ .image-embed__placeholder progressive-image img{height:100%!important;width:auto}.b6Cr_ .subhead-embed{scroll-margin-top:calc(var(--header-height, 56px) + 8px)}.b6Cr_ h3.subhead3-embed{margin-bottom:16px}.Nj1i5{color:var(--article-text-color,#333);display:block;font:italic 400 18px/30px Georgia,Cambria,Times New Roman,Times,serif;padding:0}@media(max-width:479px){.Nj1i5{font-size:16px;font-variant-numeric:tabular-nums}}.Nj1i5 a{color:var(--article-link-color,#003891);text-decoration:none}.A7u9M{border:1px solid #e3e3e3;border-radius:4px;color:#333;display:flex;flex-direction:column;gap:8px;margin-block:24px 45px;padding:16px}@media(max-width:1023px){.A7u9M{margin-block:32px}}@media(max-width:767px){.A7u9M{margin-block:24px}}._1J1nD{align-items:center;display:flex;gap:4px}.CT_ia{display:flex;height:14px;width:14px}@media(max-width:767px){.CT_ia{height:12px;width:12px}}.CT_ia g{fill:#0062ff}.I4REM{font:500 21px/27px Graphik,helvetica,sans-serif}@media(max-width:767px){.I4REM{font:500 18px/27px Graphik,helvetica,sans-serif}}.K0jxS{font:400 18px/27px Graphik,helvetica,sans-serif}.K0jxS a{color:#003891;text-decoration:none}.K0jxS a:hover{text-decoration:underline}@media(max-width:767px){.K0jxS{font:400 17px/160% Graphik,helvetica,sans-serif}}._38K2d{color:#737373;display:flex;gap:16px;justify-content:flex-end;margin:16px 0 56px;text-decoration:none}@media(max-width:479px){._38K2d{margin-bottom:40px}}.TYbQt{font:400 10px/12px Graphik,helvetica,sans-serif;text-decoration:none}.HMT72{background-color:#e3e3e3;height:16px;width:1px}.vKVY8 fbs-ad:before{line-height:1}.L996f{margin-left:calc(50% - 50vw);min-height:90px;width:100vw!important}.L996f.LfzXb{min-height:134px}.r70nM{min-height:270px}.txkpY{min-height:320px}.EhNgY,.txkpY{margin-left:-16px;width:100vw!important}.LfzXb,.lj8Sr{margin-bottom:32px;margin-top:32px}.CAfOz{align-items:center}.CAfOz:before{align-self:flex-start}.CAfOz.CF4ZK{align-items:normal;flex-direction:column}.CAfOz.CF4ZK:before{content:"PROMOTED"!important}@keyframes xXcs9{0%{transform:translateY(100%)}to{transform:translateY(0)}}@keyframes RMg1k{0%{transform:translateY(0)}to{transform:translateY(100%)}}.BJ6dv{font:500 12px/18px Graphik,Helvetica;margin:16px 0 40px}.BJ6dv .CiWPn{color:#737373}.BJ6dv .ZDbnS{background-color:rgba(51,51,51,.902);display:none;inset:0;position:fixed;z-index:1}.BJ6dv .VXGX1{display:block}.BJ6dv .RaGgQ{margin-bottom:8px}.BJ6dv ol._gju9{display:flex;gap:0;margin:0}@media(min-width:480px){.BJ6dv ol._gju9{flex-wrap:wrap;gap:16px 32px;margin:0 0 40px;padding-left:16px}}.BJ6dv ol._gju9 .l79V0{margin:0;padding:28px 0}@media(min-width:480px){.BJ6dv ol._gju9 .l79V0{padding:0;width:calc(50% - 16px)}}.BJ6dv ol._gju9 .l79V0 .li_8a{color:#333;text-decoration:none}.BJ6dv ol._gju9 .l79V0 .li_8a:hover{text-decoration:underline}.BJ6dv.JA8Od .CiWPn{font:600 14px/22px Graphik,Helvetica;letter-spacing:.5px}@media(max-width:479px){.BJ6dv.JA8Od .CiWPn{font-size:10px;line-height:12px}}.BJ6dv.JA8Od ._gju9 .l79V0 .li_8a{font:600 12px/16px Graphik,Helvetica;letter-spacing:-.2px}.BJ6dv .ZByIz{margin-left:0;width:calc(50% - 16px)}.qK3Up .RaGgQ{gap:12px;justify-content:flex-end}.qK3Up .RaGgQ,.qK3Up .UEF7O{align-items:center;display:flex}.qK3Up .UEF7O{background-color:#f0f0f0;border-radius:8px;height:36px;justify-content:center;width:36px}.qK3Up .UEF7O svg{height:24px;width:24px}.qK3Up ._1KOs_{animation:xXcs9 1s forwards;background-color:#fff;border-radius:8px;bottom:0;height:50vh;left:0;margin-bottom:0;padding:16px;position:fixed;width:100vw;z-index:2}.qK3Up ._1KOs_ .CiWPn{font-size:14px;line-height:21px}.qK3Up ._3P_Qt{animation:RMg1k 1s forwards}.qK3Up ._79TBB{align-items:center;display:flex;justify-content:space-between;width:100%}.qK3Up .VF07D{fill:#737373;height:20px;width:20px}.qK3Up ._gju9{display:flex;flex-direction:column;flex-wrap:nowrap;gap:28px;max-height:calc(100% - 64px);overflow:auto;padding:0}.qK3Up ._gju9 .l79V0{border-bottom:1px solid #e3e3e3;color:#333;list-style-position:inside;padding-bottom:28px;width:100%}.qK3Up ._gju9 .l79V0:last-child{border-bottom:none;padding-bottom:0}.Sg4hO{display:flex;flex-direction:column;min-height:inherit}.uey2j{align-items:center;border-bottom:1px solid #e6e6e6;border-top:1px solid #e6e6e6;display:flex;flex:1;flex-wrap:nowrap;gap:32px;justify-content:center;margin:0}.LfCZQ{align-self:center;color:#8c8c8c;font:10px/14px Graphik,helvetica,sans-serif;letter-spacing:.3px;margin:0;padding-bottom:5px}.KqmFU{flex-basis:100%}.k0JS7{align-items:center;display:flex;flex-basis:auto;justify-content:center;width:100%}.k0JS7>div{text-align:center;width:100%}.nsO6K{clear:both}.vorm9{color:#333;font:600 14px/22px Graphik,Helvetica;letter-spacing:-.2px}.eQXQz{color:#333;font-weight:400}.P7h_m{border-bottom:1px solid #e3e3e3;border-top:1px solid #e3e3e3;display:flex;flex-direction:column;gap:16px;margin:16px 0;padding:16px 0}.P7h_m .pwarH{align-items:center;flex:1}.P7h_m .pwarH h3.b15jp{-webkit-box-orient:vertical;-webkit-line-clamp:2;display:-webkit-box;font:500 16px/24px Graphik,helvetica,sans-serif;font-style:normal;margin:0;overflow:hidden;padding:0;text-overflow:ellipsis}.P7h_m .pwarH h3.b15jp a{color:currentColor}.P7h_m .pwarH.h0FhB{align-items:start}.P7h_m .pwarH.h0FhB h3.b15jp{font:500 18px/27px Graphik,helvetica,sans-serif}.ruw7_{color:currentColor;font:500 10px/15px Graphik,helvetica,sans-serif}.ruw7_ ._rEMv{color:currentColor;text-decoration:underline}.j50hg{display:flex;flex-direction:row;gap:16px}._4JPrP{display:block}._4JPrP img{height:90px;object-fit:contain;width:160px}.zZWc_{color:#333;display:block;font:500 12px/18px Graphik,helvetica,sans-serif;margin-top:8px}.zZWc_ a._0ZtXF{color:#333;text-decoration:underline}.QjZDS{font-weight:400}.iQx2a{align-items:center;display:flex}.iQx2a .zEdP6{margin:-8px 0;padding:8px}@media(hover:hover){.iQx2a .zEdP6:hover{background-color:rgba(240,240,240,var(--icon-hover-opacity,1))}}.yoTg4{height:32px;width:32px}.ruR2h{font:12px/1.5 Graphik,helvetica,sans-serif;margin-bottom:1.2rem;opacity:.8}.ruR2h p{margin:0!important;padding:0}.e2slo{animation:_dZ_B 1s linear infinite alternate}@keyframes _dZ_B{0%{background-color:#e3e3e3}to{background-color:#f0f0f0}}.h9nLs{position:relative}.RANYb{font:400 12px/18px Graphik,helvetica,sans-serif;margin:16px auto;max-width:700px;opacity:.8;width:calc(100% - 32px)}@media(min-width:480px){.RANYb{width:calc(100% - 64px)}}._9FkQU{font:500 10px/15px Graphik,helvetica,sans-serif;text-transform:uppercase}.lL6sX{background-color:var(--background-color);font-weight:600;padding-left:6px}.CX4wR{position:relative}.oh40t{bottom:1px;cursor:pointer;position:absolute;right:0}.Ek4oE{height:0;padding-bottom:46.874%;position:relative;transition:.75s;width:100%}.Ek4oE .ceros-embed{background:none}.Ek4oE .ceros-embed:before{content:"";height:99%;left:50%;position:absolute;transform:translateX(-50%);width:99%}.Ek4oE .ceros-embed:before,.Ek4oE .iframe-embed{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%}.Ek4oE .ceros-embed,.Ek4oE .iframe-embed{margin-bottom:1.2rem;margin-top:1.2rem;overflow:hidden;position:relative}.Ek4oE .ceros-embed.iframe-ratio,.Ek4oE .iframe-embed.iframe-ratio{height:0}.Ek4oE .ceros-embed:not(.offset),.Ek4oE .iframe-embed:not(.offset){width:100%}.Ek4oE .ceros-embed iframe,.Ek4oE .iframe-embed iframe{border:none;height:100%;left:0;position:absolute;top:0;width:100%}.Ek4oE .iframe-embed.offset{padding-bottom:210px}.Ek4oE .fs-premium .iframe-embed.live-event-template.offset{padding-bottom:160px}@media (min-width:480px){.Ek4oE .fs-premium .iframe-embed.live-event-template{padding-top:42.08%!important}}@media (min-width:768px){.Ek4oE .fs-premium .embed-base:not(.image-embed).aligncenter{margin:19px auto}.Ek4oE .fs-premium .embed-base:not(.image-embed).alignright{float:right;margin:0 0 1.75% 3.5%;width:40%}.Ek4oE .fs-premium .embed-base:not(.image-embed).alignleft{float:left;margin:0 3.5% 1.75% 0;width:40%}.Ek4oE .fs-premium .embed-base:not(.image-embed).offsetleft,.Ek4oE .fs-premium .embed-base:not(.image-embed).offsetright{width:90%}}@media (max-width:1280px){.Ek4oE .iframe-embed.offset{padding-bottom:102px}.Ek4oE .fs-premium .iframe-embed.live-event-template.offset{padding-bottom:80px}}@media (max-width:480px){.Ek4oE .ceros-embed,.Ek4oE .iframe-embed{margin-bottom:.75rem;margin-left:0;margin-top:.75rem;width:100%}.Ek4oE .ceros-embed iframe,.Ek4oE .iframe-embed iframe{height:100%;left:0;position:absolute;top:0;width:100%}.Ek4oE .ceros-embed.offset,.Ek4oE .iframe-embed.offset{padding-bottom:0}.Ek4oE .ceros-embed.iframe-ratio.offset,.Ek4oE .iframe-embed.iframe-ratio.offset{width:90vw}.Ek4oE .fs-premium .iframe-embed.live-event-template.offset{padding-bottom:0}}.c0EXy .ceros-embed{margin:0}.zVTfa{margin:0 auto;max-width:1600px;padding-bottom:40px;width:75%}.tblbc{width:100%}.eiggU{background:50%/contain no-repeat;display:block;position:relative}._3dMXW{padding:0;position:absolute;top:0}.U6W4J,._3dMXW{transition:.75s;width:100%}.U6W4J{height:0;padding-bottom:46.874%;position:relative}.mqawg{height:100%!important;left:0;position:absolute;top:0;width:100%}.aY5Zr{font-size:32px;font-style:normal;font-weight:700;line-height:1.22;margin:0}@media(min-width:768px){.aY5Zr{font-size:54px}}._RIvP{display:flex}.fROHd{text-align:left}.fROHd ._RIvP{justify-content:left}.InKvv{text-align:center}.InKvv ._RIvP{justify-content:center}._1Gnwh{text-align:right}._1Gnwh ._RIvP{justify-content:right}.ecTne,.pWAEC{margin-bottom:16px}.ecTne{display:block;font:600 14px/21px Graphik,helvetica,sans-serif;text-transform:uppercase}.kh5W_{text-decoration:none}._fHoa{background-color:currentColor;height:5px}.u31Z5{background-color:#fcfcfc;margin:-89px auto 0;max-width:780px;position:relative;width:calc(100% - 32px)}@media(min-width:480px){.u31Z5{width:calc(100% - 64px)}}.coR6g{padding:40px 40px 0}.XT9Di{background-color:#fcfcfc;position:relative}.SQna_{margin:0 auto;max-width:900px;padding:52px 40px 40px;width:calc(100% - 32px)}@media(min-width:480px){.SQna_{width:calc(100% - 64px)}}.aGUMw{background-color:currentColor;margin:-89px auto 0;max-width:780px;position:relative;width:calc(100% - 32px)}@media(min-width:480px){.aGUMw{width:calc(100% - 64px)}}.OyOnz{padding:52px 40px 40px}.tGnx_{display:flex;flex-direction:column;position:relative}@media(min-width:480px){.tGnx_{flex-direction:column}}.DsQcU{width:calc(100% - 32px)}@media(min-width:480px){.DsQcU{left:50%;max-width:780px;position:absolute;top:50%;transform:translate(-50%,-50%);width:calc(100% - 64px)}}.ZYRhz{padding:16px}@media(min-width:480px){.ZYRhz{padding:40px}}.y2UMP{display:flex;flex-direction:column}@media(min-width:480px){.y2UMP{flex-direction:row}.BErkS{flex-direction:row-reverse}}.ZgI9l{box-sizing:border-box;width:100%}@media(min-width:480px){.ZgI9l{width:50%}}._2_rjn,._7gdaz{align-items:center;display:flex}._7gdaz{background-color:currentColor;justify-content:center;position:relative}.jUkBn{padding:24px 16px}@media(min-width:480px){.jUkBn{padding:40px}.IG3mj{height:50vw;min-height:384px;padding-bottom:0}}.cxkrv{background-color:#000;color:#fff;position:relative}.HQYQR{margin:auto;max-width:700px;padding:16px 0 24px;width:calc(100% - 32px)}@media(min-width:480px){.HQYQR{padding:32px 0;width:calc(100% - 64px)}}.FBQIu h1{font:400 48px/120% SchnyderS demi,Garamond,serif}@media(max-width:767px){.FBQIu h1{font-size:32px}}._3_WSY{font:400 17px/160% Georgia,Cambria,Times New Roman,Times,serif;margin-top:16px}@media(min-width:480px){._3_WSY{font-size:20px;line-height:140%}}._4Amui{display:flex;flex-direction:column;position:relative}._4Amui.RfmgA{flex-direction:column-reverse}.RCXlB{padding:16px}@media(min-width:480px){.RCXlB{margin:32px auto;max-width:900px;width:70%}}._2Jb0b{padding:8px 0 0}@media(min-width:480px){._2Jb0b{padding:16px 0 0}}.qGTRT{font:400 14px/1.33 Graphik,helvetica,sans-serif;opacity:.8}.qGTRT a{text-decoration:none}.v8jKF{color:currentColor;font:400 12px/1.57 Graphik,helvetica,sans-serif;letter-spacing:-.2px}@media(max-width:479px){.v8jKF{margin-top:16px}}.UcPtB{color:currentColor}.fyNvZ:before{content:"Published "}.eJ_uo{display:block}@media(min-width:480px){.eJ_uo{display:inline}.QCahZ:before{content:", "}}.cO11L{margin:24px auto auto;max-width:700px;width:calc(100% - 32px)}@media(min-width:480px){.cO11L{margin-top:32px;width:calc(100% - 64px)}.cO11L.OtGY6{margin-top:16px}}.__D7j{background-color:#000;color:#fff;height:56px;margin-bottom:43px}.gy47N{margin-bottom:50.4px}@media(max-width:479px){.gy47N{padding-bottom:32px}}.uoI3_{border-top:1px solid #e3e3e3;margin-top:8px;padding:16px 0}@media(max-width:479px){.uoI3_{margin:8px 0;padding:5px 0 0}}.o0ryr{background-color:#171717}.hY7q0{display:flex;flex-direction:column}.hY7q0.ZC7U0{flex-direction:column-reverse}.Alcks .ribbon{margin-bottom:inherit}.OtGY6 .uoI3_{padding:5px 0}.k5HWd{height:28px}.Z_niP{position:relative}.hzRTd{align-items:center;background-color:#fff;border:1px solid #e3e3e3;color:#000;display:flex;font:500 14px/21px Graphik,helvetica,sans-serif;height:28px;left:0;padding:1px 8px;position:absolute;z-index:999}@media(min-width:768px){.hzRTd:hover .FddGb{display:none}.hzRTd:hover .syL_I{align-items:center;display:flex}}.ds1OY{justify-content:center;width:100%}.FddGb{align-items:center;color:#000;display:flex}.FddGb svg{margin-left:-6px;width:24px}.GmkoR{display:none;position:absolute;right:8px;top:5px;width:16px}.GmkoR svg{fill:#333}@media(max-width:767px){.GmkoR{display:flex}}.syL_I{display:none}.ymPK3{display:flex}.FEN0p{color:#4211d3;cursor:pointer;text-decoration:underline}@font-face{font-family:Schnyder S Light;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("opentype")}@font-face{font-family:Schnyder S Demi;font-weight:300;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("woff2")}.dp_VC{color:#333;font:400 48px/57.6px Schnyder S Demi,Garamond,serif;margin:unset;margin-top:8px;max-width:1000px}@media(max-width:767px){.dp_VC{font-size:32px;line-height:38.4px}}.ITdpl{border-bottom:1px solid #ddd;margin-bottom:16px;padding-bottom:16px}@media(max-width:479px){.ITdpl{margin-bottom:8px}.CU3md{margin-bottom:16px}}._0th4g{color:#333;line-height:18px}@media(max-width:479px){._0th4g{letter-spacing:-.2px;line-height:16px}}.F_Kat{--main-gutter:16px;margin:0 var(--main-gutter);max-width:1600px}@media(min-width:768px){.F_Kat{margin:0 auto;width:90%}}.YHOim{display:flex;flex-direction:column-reverse}@media(min-width:1024px){.YHOim{flex-direction:row;gap:56px}}.WkaGZ{margin:0 auto;overflow:hidden;width:100%}@media(max-width:479px){.WkaGZ{overflow:visible}}.nHvoF{background-color:#fff;border:1px solid #ddd;padding:15px;position:sticky;transition:all .2s linear;z-index:2}.nHvoF.XpBBG{position:relative}.jx8NQ{background-color:#0000;border-color:#0000;margin:0;padding:15px 15px 0}.jx8NQ,.jx8NQ .fsbK_{transition:all .2s linear}.jx8NQ .fsbK_{height:169px;margin:4px auto 0;width:300px}@media(min-width:1024px){.jx8NQ .fsbK_{height:300px;width:400px}.jx8NQ._9u8RW .fsbK_{height:225px}}.jx8NQ .St_cb{height:0;transition:height .2s linear}.jx8NQ:before{background-color:#fcfcfc;content:"";height:1px;left:0;position:absolute;top:30px;width:100%}.fsbK_{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%;height:169px;margin:4px auto 16px;overflow:hidden;position:relative;transition:all .2s linear;width:300px}@media(min-width:1024px){.fsbK_{height:300px;width:400px}}.St_cb,.gB1W8{color:#333;display:block;font:400 10px/12px Graphik,helvetica,sans-serif;height:12px;letter-spacing:.5px;overflow-x:hidden;text-overflow:ellipsis;text-transform:uppercase;transition:height .2s linear;white-space:nowrap;width:300px}@media(min-width:1024px){.St_cb,.gB1W8{width:400px}}.St_cb{color:#171717;font-weight:600}.zo_od{border-radius:50%;color:#fff;cursor:pointer;height:26px;padding:3px;position:absolute;right:7px;top:7px;width:26px;z-index:3}.zo_od:hover{background:#ffffff4d}.zo_od>svg{color:#fff;height:20px;width:20px}.TRJgE{--right-rail-item-width:300px;display:none;position:relative}@media(min-width:768px){.TRJgE{display:flex;flex-direction:column;min-width:332px;width:332px}}@media(min-width:1024px){.TRJgE{--right-rail-item-width:400px;min-width:432px;width:432px}}.TRJgE.Utzww .HUoD2:last-child{flex:1;min-height:0!important}.f5o7A{position:sticky}.zho_3{align-self:center;min-height:1000px;width:var(--right-rail-item-width)}._63PTi{display:none;margin:-20px 0 0 16px;min-height:620px}@media(min-width:1024px){._63PTi{display:block}}.wr9U2{position:relative;width:300px}._2R8zG{margin:32px 0 0;min-height:600px}@media(min-width:768px){._2R8zG{display:block}}.IQqQg{margin:auto;min-height:250px;padding:30px 0;position:sticky!important;width:var(--right-rail-item-width)}.IQqQg>fbs-ad{margin:0 auto}.HMpzH{margin:20px 0;position:relative}@media(max-width:479px){.HMpzH{margin:20px auto;width:calc(100% - 32px)}}.paUHo,.paUHo div{width:100%}.DlCaB{z-index:998}._4FlgB{background-color:#f4f4f4}.bI3wj{fill:#c20000;height:24px;margin:0 2px -6px -5px;width:24px}.byn9U{color:#333;font:600 12px/16px Graphik,helvetica,sans-serif}.Sx49T{margin-bottom:20px}.BLYp_{margin:0 auto 56px;width:100%}@media(max-width:479px){.BLYp_{margin:0}.BLYp_ .MFONZ{margin-top:24px}}.BLYp_._3SQ0O{max-width:704px}.MFONZ{margin-top:16px}.KpLaT{margin:auto;max-width:1216px;width:calc(100% - 32px)}@media(min-width:480px){.KpLaT{width:calc(100% - 64px)}}.DaonF div:nth-child(2){display:none}.jOjL0{gap:40px;margin-bottom:32px;padding-top:16px}@media(max-width:479px){.jOjL0{margin-bottom:0;padding-top:0}}@media(min-width:1024px){.jOjL0{gap:80px}}@media(min-width:768px){.jOjL0{flex-direction:row}}.gi5_b{margin:64px 0}@media(max-width:479px){.gi5_b{margin:32px 0 40px}}.E5vRT{margin-bottom:56px}@media(max-width:479px){.E5vRT{margin-bottom:32px}}.GD3YM div:first-child{bottom:50px}.e9YVP .Ruyxe{border-bottom:none;margin-top:-24px}@media(max-width:479px){.e9YVP .Ruyxe{margin-top:-8px}}.tvoOV{background:#171717;position:sticky;z-index:1000}.IOSAR,.U9pn9,.k262d,.xg1O4,.ywGQF{transition:transform 1s cubic-bezier(.16,1,.3,1)}.U9pn9{position:sticky;top:0;width:100%;z-index:1001}.IOSAR{background-color:#fff;left:0;position:fixed;right:0;visibility:hidden}.IOSAR._3YjOw{top:56px}.IOSAR.pWfSG{top:112px}.IOSAR.mQw40{top:168px}.IOSAR.fCF27{top:224px}.xg1O4._3YjOw,.ywGQF._3YjOw{transform:translateY(-100%)}.xg1O4.pWfSG,.ywGQF.pWfSG{transform:translateY(-200%)}.xg1O4.mQw40,.ywGQF.mQw40{transform:translateY(-300%)}.xg1O4.fCF27,.ywGQF.fCF27{transform:translateY(-400%)}.xg1O4{visibility:visible}.H9ZEv{color:#333;display:inline}.P9YZ5{margin-left:16px}._1TZN0{background-color:#fff;border-bottom:1px solid #e3e3e3;height:56px;justify-content:space-between;z-index:1002}.FG1g2,._1TZN0{align-items:center;display:flex}.quV5j{padding-right:24px;position:relative}@media(max-width:479px){.quV5j{padding-right:0}}.quV5j:before{border-right:1px solid #e3e3e3;content:"";height:24px;position:absolute;right:0;top:50%;transform:translateY(-50%)}.lRM8V{align-items:center;display:flex;height:100%;white-space:nowrap}.NjswU{height:32px;margin-left:16px;width:32px}@media(max-width:479px){.NjswU{margin:0 24px 0 16px}}.OCl9u{font-weight:500;padding:0 24px}.OCl9u span{color:#333}@media(max-width:1023px){.OCl9u{display:none}}.Y_uL_{padding:0 24px;position:relative}@media(max-width:1023px){.Y_uL_{display:none}}.ndFe6{display:flex}.Y_uL_:before{border-left:1px solid #e3e3e3;border-right:1px solid #e3e3e3;content:"";height:24px;left:0;pointer-events:none;position:absolute;right:0;top:50%;transform:translateY(-50%)}._9MklE{display:flex;padding:0 16px}.vAhSa{margin:0}@media(min-width:480px){.PXNx_{left:-210px}}fbs-cordial .w6q6j{top:10px}.H9ZEv{align-items:center;display:flex;white-space:nowrap}.S360V,.WR6Ld,._1TZN0,.bKh2j,.yTSx7{transition:transform 1s cubic-bezier(.16,1,.3,1)}.S360V{position:sticky;top:0;width:100%;z-index:1001}.S360V .s3Pnn{border-bottom:0}._1TZN0.nt9Vx{top:56px}._1TZN0.hUV3A{top:112px}._1TZN0.fzsgz{top:168px}._1TZN0.fngwU{top:224px}.WR6Ld.nt9Vx,.bKh2j.nt9Vx{transform:translateY(-100%)}.WR6Ld.hUV3A,.bKh2j.hUV3A{transform:translateY(-200%)}.WR6Ld.fzsgz,.bKh2j.fzsgz{transform:translateY(-300%)}.WR6Ld.fngwU,.bKh2j.fngwU{transform:translateY(-400%)}.bKh2j{visibility:visible}@keyframes YVMgg{0%{transform:translateX(-250%)}to{transform:translateX(0)}}@keyframes MMgcK{0%{transform:translateY(-250%)}to{transform:translateY(0)}}.u6_AM .toaster{animation:slideInFromTop .5s ease forwards;background-color:#242424;bottom:40px;box-shadow:0 4px 4px 0 #00000014;left:90px;max-width:250px;padding:16px;position:fixed;width:100%;z-index:1001}@media(min-width:768px){.u6_AM .toaster{animation:slideInFromLeft .5s ease forwards}}@media(max-width:1023px){.u6_AM .toaster{left:22px}}@media(max-width:767px){.u6_AM .toaster{bottom:auto;left:0;max-width:100%;top:calc(56px + var(--top-offset, 0))}}.u6_AM .toaster-wrapper{color:#fff;display:grid;gap:16px;justify-items:flex-start;position:relative}.u6_AM .toaster__close{position:absolute;right:0;top:0}.u6_AM .fs-icon--close{fill:#fff;height:16px;width:16px}.u6_AM .toaster__headline{font:500 12px/18px Graphik,helvetica,sans-serif}.u6_AM .toaster__article:not(:hover),.u6_AM .toaster__cta:not(:hover){text-decoration:none}.u6_AM .toaster__article{color:#fff;font:500 14px/21px Graphik,helvetica,sans-serif}.u6_AM .toaster__cta{color:#fff;font:12px/18px Graphik,helvetica,sans-serif}.rsIL7 .priceTickerContainer{display:flex;height:56px}.rsIL7 .priceTickerContainer>button{max-width:194px;z-index:2}@media screen and (max-width:480px){.rsIL7 .priceTickerContainer>button{max-width:126px}}.rsIL7 .container__assetticker--outer{overflow-x:visible}.rsIL7 .tickerCard{min-height:56px}.rsIL7 .assetPriceTicker{height:56px;width:calc(100% - 194px)}@media screen and (max-width:480px){.rsIL7 .assetPriceTicker{width:calc(100% - 126px)}}.rsIL7 .assetPriceTicker div{overflow-y:hidden}.rsIL7 .assetPriceTicker div:first-of-type{max-height:56px}._5OuWW{position:sticky;top:0;z-index:1001}.uwWid{width:100%!important;z-index:1}@media(max-width:375px){._80A8I button[aria-label=Search]{display:none}}@font-face{font-display:swap;font-family:Merriweather;font-style:italic;font-weight:700;src:local("Merriweather Bold Italic"),local("Merriweather-BoldItalic"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bolditalic-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:700;src:local("Merriweather Bold"),local("Merriweather-Bold"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:italic;font-weight:400;src:local("Merriweather Italic"),local("Merriweather-Italic"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-italic-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:400;src:local("Merriweather"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:600;src:local("Work Sans SemiBold"),local("WorkSans-SemiBold"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_600_latin_ext.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:600;src:local("Work Sans SemiBold"),local("WorkSans-SemiBold"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_600_latin.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:400;src:local("Work Sans"),local("WorkSans-Regular"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_400_latin_ext.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:400;src:local("Work Sans"),local("WorkSans-Regular"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_400_latin.woff2) format("woff2")}@font-face{font-display:block;font-family:EuclidCircularB;font-style:normal;font-weight:700;src:local("EuclidCircular Bold"),local("EuclidCircular-Bold"),local("EuclidCircularB"),url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Bold.otf) format("opentype")}@font-face{font-display:block;font-family:EuclidCircularSB;font-weight:600;src:local("EuclidCircularSB"),local("EuclidCircular Semi Bold"),local("EuclidCircular-Semi-Bold"),url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Semibold.otf) format("opentype")}@font-face{font-display:block;font-family:EuclidCircular;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Regular.otf) format("opentype")}@font-face{font-family:Graphik Wide;font-style:normal;font-weight:600;src:url(https://i.forbesimg.com/assets/fonts/graphik-wide/graphik-wide-semibold.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Regular-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:500;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Medium-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:600;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Semibold-Web.woff2) format("woff2")}@font-face{font-display:block;font-family:SchnyderL demi;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/SchnyderL-Demi.otf) format("opentype")}@font-face{font-family:Schnyder S;font-weight:700;src:url(https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf) format("opentype")}@font-face{font-display:block;font-family:SchnyderS demi;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("woff2")}@font-face{font-family:Schnyder Cond S;font-style:normal;font-weight:700;src:url(https://i.forbesimg.com/assets/fonts/schnyder-cond/schnyder-cond-bold.woff2) format("woff2")}@font-face{font-family:Schnyder Cond S;font-style:normal;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/schnyder-cond/schnyder-cond-light.woff2) format("woff2")}@font-face{ascent-override:68%;descent-override:0%;font-family:GeorgiaCustom;line-gap-override:2%;size-adjust:110%;src:local(Georgia)}.Pyz5W{margin-right:calc(15% + 11px)}._2FUDW{align-items:center;color:#fff;display:flex}._2FUDW:hover ._820G9{animation:MUAZM .5s forwards;color:#f3c864}.XXbhV{color:#f3c864;font:600 14px Graphik,Helvetica;height:16px;text-transform:uppercase}.XXbhV.N6gZH{margin-left:2px;width:86px}.XXbhV.G7DAH{margin:0;width:0}._820G9{align-items:center;color:#f3c864;display:flex;font-size:20px;height:30px;justify-content:center;width:30px}@media(max-width:479px){._820G9{display:none}}@keyframes MUAZM{0%{transform:rotate(0deg)}to{transform:rotate(1turn)}}.UNfk5{position:sticky;top:56px;z-index:1000}.cjtCL,.wqsEW{transition:transform 1s cubic-bezier(.16,1,.3,1)}.wqsEW{transform:translateY(-200%)}@media(max-width:479px){.wqsEW{transform:translateY(-100%)}}@media(max-width:767px){.laU8g svg{width:225px}}._y9nL{background-color:var(--anchor-nav-background-color,#fcfcfc);color:var(--anchor-nav-color,#000);height:32px;position:relative}@media(max-width:1023px){._y9nL{height:30px}}.nmj5b{display:flex;justify-content:space-evenly;overflow-x:auto;scroll-behavior:smooth;scroll-snap-type:x mandatory;scrollbar-width:none;width:100%}@media(max-width:479px){.nmj5b{justify-content:space-between}}.nmj5b::-webkit-scrollbar{display:none}.LJ0i1{padding:0 24px;scroll-snap-align:start;white-space:nowrap}@media(max-width:1023px){.LJ0i1{padding:0 16px}}.LJ0i1 ._1sRPt{color:var(--anchor-nav-color,#333);font:500 16px/32px Graphik,helvetica,sans-serif;text-decoration:none;text-transform:uppercase}@media(max-width:1023px){.LJ0i1 ._1sRPt{font-size:14px;line-height:30px}}.LJ0i1 ._1sRPt:hover{font-weight:600;text-decoration:underline}.LJ0i1 ._1sRPt:after{content:attr(data-element-text);display:block;font-weight:600;height:0;overflow:hidden;visibility:hidden}.N_hYE{padding:0 24px}.N_hYE>svg{fill:var(--anchor-nav-color,#000);height:24px;width:24px}@media(max-width:1023px){.N_hYE{display:none}}.eh2hu{align-items:center;display:none;height:32px;position:absolute;top:0;width:150px}.eh2hu.NFMOp{display:flex}@media(max-width:1023px){.eh2hu{height:30px;pointer-events:none;width:90px}}.SeMGW{background:linear-gradient(to right,var(--anchor-nav-background-color,#fcfcfc) 0,var(--anchor-nav-background-color,#fcfcfc) 20%,#0000 100%);left:0}.zC0Yx{background:linear-gradient(to left,var(--anchor-nav-background-color,#fcfcfc) 0,var(--anchor-nav-background-color,#fcfcfc) 20%,#0000 100%);justify-content:end;right:0}.XDQ9T{border-radius:0;height:56px;margin:0;position:absolute;width:35px;z-index:3}.XDQ9T,.XDQ9T:hover{background-color:#fcfcfc}.XDQ9T:hover svg{fill:#000}.XDQ9T:focus{border:none}.XDQ9T.wPbjC{background-color:#171717}.XDQ9T.wPbjC svg{fill:#fff}.XDQ9T.wPbjC:hover{background:#171717}.XDQ9T.wPbjC:hover svg{fill:#bbb}@media(max-width:767px){.XDQ9T{display:none}}.XDQ9T svg{pointer-events:none}.YYZtN{left:0}.Web_u{right:0}._70zuA{display:none}.zHwaw{align-items:center;border-left:1px solid #e3e3e3;color:#333;display:flex;font:500 12px/18px Graphik,helvetica,sans-serif;height:48px;justify-content:center;max-width:230px;min-width:150px;padding:0 8px}.zHwaw.JfD3R{border-color:#333;color:#fff}.zHwaw._9hnaX{border:none;font-weight:600}.zHwaw._9hnaX:not(a){cursor:default}.zHwaw .GdylL:not(span){text-decoration:none}.zHwaw .GdylL:not(span):hover{text-decoration:underline}.zHwaw .GdylL:not(span) span{pointer-events:none}@media(max-width:767px){.zHwaw{font-size:10px;line-height:15px;max-width:200px;min-width:100px}}.sg5Nf{display:flex;height:56px;position:sticky;top:56px;z-index:999}.JV0aD{--bg-color:#fcfcfc;border-bottom:.7px solid #e3e3e3;border-top:.7px solid #e3e3e3;color:var(--bg-color);padding:4px 8px;width:100%}.JV0aD,.JV0aD.Gr_iZ{background-color:var(--bg-color)}.JV0aD.Gr_iZ{--bg-color:#171717;border-color:#333}.JV0aD.zDNNZ:before{background:linear-gradient(90deg,var(--bg-color) 6.41%,#0000);content:"";display:block;height:55px;left:35px;position:absolute;top:0;width:56px;z-index:2}@media(max-width:767px){.JV0aD.zDNNZ:before{left:0;width:38px}}.JV0aD.QQGdM:after{background:linear-gradient(-90deg,var(--bg-color) 6.41%,#0000);content:"";display:block;height:55px;position:absolute;right:35px;top:0;width:56px;z-index:2}@media(max-width:767px){.JV0aD.QQGdM:after{right:0;width:38px}}.JV0aD .swiper-slide{width:fit-content}.mUnMc{box-shadow:inset 0 1px 2px 0 #0000004d;min-height:50px;position:fixed;width:100%;z-index:1003}</style><noscript data-n-css=""></noscript><script defer="" nomodule="" src="https://i.forbesimg.com/simple-site/_next/static/chunks/polyfills-42372ed130431b0a.js"></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/webpack-874ae9721716cefa.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/framework-f30cbadcebab7629.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/main-70aa96dc6e7b6fc4.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/pages/_app-074eee4186464499.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/6cdf2dfb-3e553fb4b8f3301c.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/4324-b241e44856ca7695.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/7235-eaf62f757093c5bb.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/5608-f59b8013f8680e51.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/1212-4295f60e5d8ff6c8.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/8177-402fe8c45f97a067.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/4929-532e90bd93707d65.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/chunks/pages/article-fa3b5d9110947004.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/WPgnUh8PToKB7L1A_R6z6/_buildManifest.js" defer=""></script><script src="https://i.forbesimg.com/simple-site/_next/static/WPgnUh8PToKB7L1A_R6z6/_ssgManifest.js" defer=""></script></head><body><div id="__next"><script> window.forbes = window.forbes || {}; window.forbes = { ...window.forbes, "simple-site": {"adInventory":"7175","adZone":"article-delta-c/masthead/default/standard","assetTickerData":{},"anchorNavStyles":{},"animatedBody":false,"articleId":"content_679bbfa1f86da4499e349670","bucket":"C","channelColor":"#887411","carouselConfig":null,"channelName":"Leadership","cookieName":"malcolm","env":"PRODUCTION-C","genAIData":{},"isAdLight":false,"isTopXAd":false,"isAffiliated":false,"isCanary":false,"isE2E":false,"isEurope":false,"isChina":false,"isUsDpa":false,"isUs":false,"isVwoEnabled":false,"isForbesFinds":false,"isJENewsletter":false,"isNewsletter":false,"isLocal":false,"isLegacy":false,"isPaidContent":false,"isPremiumTemplateType":true,"isStandardTemplateType":false,"isProd":true,"isSingleRec":false,"isLoggedIn":false,"live":{},"moreFromVideoData":{"data":{}},"isSubscriber":false,"publicationId":"blogAuthorId/blog/author/blog-52275","relativeVideos":[],"recommendApi":"recommend.forbes.com","shouldGetMoreFromBlock":false,"showOpenWeb":true,"specialSlot":"","sentimentScore":"negative","storyPackageDynamicStyles":{},"streamIndex":0,"swimLane":"","topStories":[{"uri":"https://www.forbes.com/sites/forbes-dividend-investor/2022/07/15/forbes-dividend-investorjuly-15-weekly-review/","date":1657933302312,"image":"https://specials-images.forbesimg.com/imageserve/62d1fddd0c1109e3b8f35bc6/960x0.jpg","title":"Forbes Dividend Investor - July 15 Weekly Review","blogType":"newsletter"},{"uri":"https://www.forbes.com/sites/soundmoney/2022/01/08/roth-401ks-vs-regular-401ks-ipo-watchlist-2002/","date":1641650400000,"image":"https://specials-images.forbesimg.com/imageserve/61d864661f51d50643ed028d/960x0.jpg","title":"Roth 401(k)s Vs. Regular 401(k)s; IPO Watchlist 2002","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/12/18/no-hope-for-student-loan-forgiveness-crypto-taxes/","date":1639836000000,"image":"https://specials-images.forbesimg.com/imageserve/61bd69c838885d13b216cac2/960x0.jpg","title":"No Hope For Student Loan Forgiveness; Crypto Taxes","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/12/06/stock-rally-in-2022-double-tax-free-rent-relief/","date":1638817762178,"image":"https://specials-images.forbesimg.com/imageserve/61ae59a6fcf5a2ef4ac27897/960x0.jpg","title":"Stock Rally In 2022; Double-Tax Free Rent Relief","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/27/charitable-giving-primer-talking-turkey-with-your-oldsters/","date":1638010800000,"image":"https://specials-images.forbesimg.com/imageserve/619e8dcb130513e274025b70/960x0.jpg","title":"Charitable Giving Primer; Talking Turkey With Your Oldsters","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/13/rivians-100-billion-launch-open-enrollment-tips/","date":1636812000000,"image":"https://specials-images.forbesimg.com/imageserve/618e7f1625fbc519b1163397/960x0.jpg","title":"Rivian’s $100 Billion Launch; Open Enrollment Tips","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/06/a-71-safe-return-rents-are-soaring/","date":1636203600000,"image":"https://specials-images.forbesimg.com/imageserve/6185da6fc8b8acebb706611c/960x0.jpg","title":"A 7.1% Safe Return; Rents Are Soaring","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/10/23/bitcoin-etf-blastoff-student-loan-cancellation-on-hold/","date":1634994000000,"image":"https://specials-images.forbesimg.com/imageserve/6172d029ad7fb0763afe168e/960x0.jpg","title":"Bitcoin ETF Blastoff; Student Loan Cancellation On Hold","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/10/16/social-securitys-59-increase-debt-ceiling-drama-not-over/","date":1634389200000,"image":"https://specials-images.forbesimg.com/imageserve/6169b882f4b0e97a12994825/960x0.jpg","title":"Social Security’s 5.9% Increase; Debt Ceiling Drama Not Over","blogType":"individual"}],"tracking":{"author":"Megan Poinski","bertie":"true","bertieBadgeSlugs":"editors-pick,no-paywall,newsletter","blogType":"individual","brandVoice":"","bvCategory":[],"bvContentSource":"","bvProgramType":"","categories":"Newsletters","channelNames":"Newsletters","coAuthor":"CIO","coAuthorControl":"true","contribDivision":"FC","contribType":"Forbes Staff","coreBrands":"","coverStory":"","customPage":"https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/","desktopArticle":true,"dfpZone":"article-d-prem-delta-c","edit":"","editorsPick":true,"entitySegments":["stocks","apple","creditcards","investing","ai","protest","cybersecurity","techbrands","meta"],"gamZone":"article-delta-c/masthead/default/standard","gamZoneAmpAnalytics":"article-delta-c/masthead/default/standard","gitBranch":"main","hashtags":"","hashtagsTrending":"","heroImage":"false","imageCount":3,"insights":"","isGroupBlog":false,"isRetracted":false,"isSponsored":false,"login":"false","naturalID":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","negativeSentimentCompanies":"","newsKeywords":"AI,BCG,Vladimir Lukic,DeepSeek,Microsoft,Meta,Doomsday Clock,China,panic,generative AI","pageNumber":1,"pageTitle":"","pageTotal":1,"pageType":"blog:premium:masthead","paidContentBrand":"","paidContentType":"","primaryChannel":"Newsletters","primarySection":"","publicationAuthor":"CIO","publishDate":"2025-01-30","quantcastData":"","recircUnit":"","sectionNames":"Newsletters:Newsletters","sections":"FC,Newsletters","seniorContributor":"false","sentimentCompanies":"","siteSlug":"cio","slot":"","stockTicker":"false","streamPosition":0,"templateType":"premium","templateSubType":"masthead","title":"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet","version":"ss-article-desktop","videoLocation":"","contentPaywall":"free","categoryId":"","naturalIdVersion":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670_13"},"canEditArticle":false,"fdaSubNav":[{"position":1,"sections":[],"title":"Home","url":"https://www.forbes.com/digital-assets/","type":"menu"},{"position":2,"sections":[],"title":"Web3 Community","url":"https://www.forbes.com/digital-assets/community/","type":"menu"},{"position":3,"sections":[],"title":"News","url":"https://www.forbes.com/digital-assets/news/","type":"menu"},{"position":4,"sections":[],"title":"Crypto Prices","url":"https://www.forbes.com/digital-assets/crypto-prices/","type":"menu"},{"position":5,"sections":[],"title":"NFT Prices","url":"https://www.forbes.com/digital-assets/nft-prices/","type":"menu"},{"position":6,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Basics","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-basics/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"BTC","sectionUrl":"https://www.forbes.com/digital-assets/learn/btc/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"DeFi","sectionUrl":"https://www.forbes.com/digital-assets/learn/defi/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Web3 Education","sectionUrl":"https://www.forbes.com/digital-assets/learn/web3-education/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"NFTs","sectionUrl":"https://www.forbes.com/digital-assets/learn/nfts/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Investments","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-investments/","sections":[]}],"title":"Learn","url":"https://www.forbes.com/digital-assets/learn/","type":"menu"},{"position":7,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Portfolios","sectionUrl":"https://www.forbes.com/digital-assets/crypto-advisor-portfolio/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Events","sectionUrl":"https://www.forbes.com/digital-assets/events/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Research","sectionUrl":"https://www.forbes.com/digital-assets/research/","sections":[]}],"title":"More","url":"","type":"menu"}],"award":[],"affiliatedLinks":[],"isFda":false,"forbesOneContext":{"multi-label-classifier":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"multi-label-classifier","modelVersionId":"12","model":"mlc","prediction":[{"id":"3","label":"Business and Finance","tiers":[{"label":"Industries","id":"3.3","tiers":[{"label":"Technology Industry","id":"3.3.31"}]}]},{"id":"26","label":"Technology & Computing","tiers":[{"label":"Artificial Intelligence","id":"26.1"},{"label":"Computing","id":"26.3","tiers":[{"label":"Computer Software and Applications","id":"26.3.3"}]}]}]},"emotion-v1":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"emotion-v1","modelVersionId":"5","model":"emotion","prediction":[{"emotion":"admiration"}]},"content-quality-v1":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"content-quality-v1","modelVersionId":"2","model":"cq","prediction":[{"content_quality":0.9998216}]},"topics":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"topics","model":"TOPIC","topics":"technology-industry,enterprise-commerce,enterprise-growth-strategy,artificial-intelligence,computer-software-and-applications,business-software-solutions","channels":"Innovation,Money,Business"},"named-entity-recognition-3":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"named-entity-recognition-3","modelVersionId":"10","model":"ner","prediction":[{"token":"deepseek","tag":"ORG","prob":0.9515828490257263,"geo_cat":""},{"token":"ai","tag":"ORG","prob":0.9686456322669983,"geo_cat":""},{"token":"ai","tag":"ORG","prob":0.9700080156326294,"geo_cat":""},{"token":"bulletin atomic scientists","tag":"ORG","prob":0.9728126287460327,"geo_cat":""},{"token":"reliaquest","tag":"ORG","prob":0.9884676337242126,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9893858432769775,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9899427890777588,"geo_cat":""},{"token":"boston consulting group","tag":"ORG","prob":0.9912932515144348,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9919406771659851,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9922927618026733,"geo_cat":""},{"token":"tech","tag":"ORG","prob":0.9942031502723694,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9952402114868164,"geo_cat":""},{"token":"boston consulting group","tag":"ORG","prob":0.9952696760495504,"geo_cat":""},{"token":"bcg","tag":"ORG","prob":0.9956621527671814,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.9964415431022644,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9967547059059143,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9972407817840576,"geo_cat":""},{"token":"high flyer capital management","tag":"ORG","prob":0.998174766699473,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9991710186004639,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9992039799690247,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9992057681083679,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9992585778236389,"geo_cat":""},{"token":"bloomberg","tag":"ORG","prob":0.9992697834968567,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.99932861328125,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9994149208068848,"geo_cat":""},{"token":"kela","tag":"ORG","prob":0.9994669556617737,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9995790123939514,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.9995878338813782,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.999692440032959,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998021721839905,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998629093170166,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998857975006104,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9999232292175293,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9999253749847412,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.999954342842102,"geo_cat":""},{"token":"bcg","tag":"ORG","prob":0.9999957084655762,"geo_cat":""},{"token":"","tag":"LOC","prob":0.985637366771698,"geo_cat":"other"},{"token":"silicon valley","tag":"LOC","prob":0.9958702921867371,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.99920254945755,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9992532134056091,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9994655251502991,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9996519088745117,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9997844099998474,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9998774528503418,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9999271631240845,"geo_cat":"other"},{"token":"china","tag":"LOC","prob":0.9999511241912842,"geo_cat":"other"},{"token":"hangzhou","tag":"LOC","prob":0.9999698400497437,"geo_cat":"other"},{"token":"china","tag":"LOC","prob":0.9999940395355225,"geo_cat":"other"},{"token":"liang wenfeng","tag":"PER","prob":0.9744141697883606,"geo_cat":""},{"token":"vladimir lukic","tag":"PER","prob":0.9846581220626831,"geo_cat":""},{"token":"forbes giocomo tognini","tag":"PER","prob":0.9892542560895284,"geo_cat":""},{"token":"irene fuentes mcdonnell","tag":"PER","prob":0.9946661591529846,"geo_cat":""},{"token":"amy hood","tag":"PER","prob":0.9988057613372803,"geo_cat":""},{"token":"trump","tag":"PER","prob":0.9991403818130493,"geo_cat":""},{"token":"phoebe liu","tag":"PER","prob":0.9992295503616333,"geo_cat":""},{"token":"satya nadella","tag":"PER","prob":0.9995508193969727,"geo_cat":""},{"token":"brewster","tag":"PER","prob":0.9996261596679688,"geo_cat":""},{"token":"vladimir lukic","tag":"PER","prob":0.9996317327022552,"geo_cat":""},{"token":"joe biden","tag":"PER","prob":0.9997040629386902,"geo_cat":""},{"token":"marc andreessen","tag":"PER","prob":0.9997385740280151,"geo_cat":""},{"token":"richard nieva","tag":"PER","prob":0.9998270869255066,"geo_cat":""},{"token":"gates","tag":"PER","prob":0.99982950091362,"geo_cat":""},{"token":"donald trump","tag":"PER","prob":0.9998295307159424,"geo_cat":""},{"token":"nadella","tag":"PER","prob":0.9998347759246826,"geo_cat":""},{"token":"mark zuckerberg","tag":"PER","prob":0.9999057054519653,"geo_cat":""},{"token":"donald trump","tag":"PER","prob":0.9999136924743652,"geo_cat":""},{"token":"liang wenfeng","tag":"PER","prob":0.999915361404419,"geo_cat":""}]},"ad-revenue":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"ad-revenue","modelVersionId":"7","model":"ar","prediction":[{"predicted_probability":0.35170135,"predicted_category":1}]}},"socialMap":{"facebook":{"sharingLink":"https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F","platform":"Facebook"},"twitter":{"sharingLink":"https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F&text=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet%20via%20%40forbes","platform":"Twitter"},"linkedin":{"sharingLink":"https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F&title=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet&summary=Also%20in%20the%20Forbes%20CIO%20newsletter%3A%20DeepSeek%20throws%20a%20grenade%20into%20the%20AI%20space%2C%20AI%20looms%20large%20in%20Microsoft%20And%20Meta%20earnings%2C%20AI%20moves%20Doomsday%20Clock%20closer%20to%20midnight.","platform":"Linkedin"}},"topics":"business-and-finance,industries,technology-industry,technology-computing,artificial-intelligence,computing,computer-software-and-applications","topicSlugs":"technology-industry,enterprise-commerce,enterprise-growth-strategy,artificial-intelligence,computer-software-and-applications,business-software-solutions","includeTemplateTypes":"standard,premium","hasAdsEnabledVideoPlayer":false,"vettedDataForXlRecirc":[]}, isEurope: false, isChina: false, isUsDpa: false, }; </script><script> LUX=function(){function n(){return Date.now?Date.now():+new Date}var r,e=n(),t=window.performance||{},a=t.timing||{navigationStart:(null===(r=window.LUX)||void 0===r?void 0:r.ns)||e};function o(){return t.now?t.now():n()-a.navigationStart}LUX={ac:[],addData:function(n,r){return LUX.cmd(["addData",n,r])},cmd:function(n){return LUX.ac.push(n)},init:function(){return LUX.cmd(["init"])},mark:function(){for(var n=[],r=0;r<arguments.length;r++)n[r]=arguments[r];if(t.mark)return t.mark.apply(t,n);var e=n[0],a=n[1]||{};void 0===a.startTime&&(a.startTime=o());LUX.cmd(["mark",e,a])},markLoadTime:function(){return LUX.cmd(["markLoadTime",o()])},measure:function(){for(var n=[],r=0;r<arguments.length;r++)n[r]=arguments[r];if(t.measure)return t.measure.apply(t,n);var e,a=n[0],i=n[1],u=n[2];e="object"==typeof i?n[1]:{start:i,end:u};e.duration||e.end||(e.end=o());LUX.cmd(["measure",a,e])},send:function(){return LUX.cmd(["send"])},ns:e};var i=LUX;if(window.LUX_ae=[],window.addEventListener("error",(function(n){window.LUX_ae.push(n)})),window.LUX_al=[],"function"==typeof PerformanceObserver&&"function"==typeof PerformanceLongTaskTiming){var u=new PerformanceObserver((function(n){for(var r=n.getEntries(),e=0;e<r.length;e++)window.LUX_al.push(r[e])}));try{u.observe({type:"longtask"})}catch(n){}}return i}(); LUX = window.LUX || {}; LUX.samplerate = 5; LUX.label = 'article-desktop-c'; if ('premium') { LUX.addData('ss-articleTemplateType', 'premium'); if ('premium' === 'premium') { if (true) { LUX.addData('ss-articleTemplateSubType', 'masthead'); } else { LUX.addData('ss-articleTemplateSubType', 'none'); } } } if ('C') { LUX.addData('ss-bucket', 'C'); if ('C' === 'A') { LUX.addData('ss-is-canary', 'false'); } } if ('main') { LUX.addData('ss-gitBranch', 'main'); } if ('article') { LUX.addData('ss-pageType', 'article'); } LUX.addData('ss-is-next-js', true); </script><script async="" src="https://launcher.spot.im/spot/sp_qBnNq7ll"></script><fbs-ad class="d-none" position="ntv-contentd" ad-id="ntv-contentd"></fbs-ad><div class="LBhHB"><div class="_5OuWW S360V nt9Vx"><header class="_5jL4nbZg uwWid s3Pnn" role="banner"><div class="nKfcv-Ux"><div class="dN9h-rXs"><div role="button" tabindex="0" class="USVF4LaM" aria-label="Open Navigation Menu"><svg class="fs-icon fs-icon--hamburger" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M20 6v2H4V6h16zm0 5v2H4v-2h16zm0 5v2H4v-2h16z"></path></svg></div></div><div class="LE8pB25c"><a class="_5MfnUGiW newsLetterSubscriptionLink" href="https://account.forbes.com/newsletters" target="_blank" rel="noreferrer"><span class="tzX7W8zX">Subscribe To Newsletters</span><span class="jyxDkm4x"><svg class="fs-icon fs-icon--envelope" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 15 15"><path fill-rule="evenodd" clip-rule="evenodd" d="M13.667 2c0-.733-.6-1.333-1.333-1.333H1.667C.934.667.334 1.267.334 2v8c0 .733.6 1.333 1.333 1.333h10.667c.733 0 1.333-.6 1.333-1.333V2zm-1.332 0L7 5.333 1.668 2h10.667zm0 8H1.668V3.333l5.333 3.334 5.334-3.334V10z"></path></svg></span></a></div></div><div class="ABr9cx9r"><a aria-label="Forbes Logo" class="_1NZmb47g" href="https://www.forbes.com/"><svg class="fs-icon fs-icon--forbes-logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"><path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path></svg></a></div><div class="wOXWlwEZ"><nav class="qWN3kcjB"><a aria-label="Search" class="K8E0pmcH _00AX4IpY" href="https://www.forbes.com/search/" type="button"><svg class="fs-icon fs-icon--search" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M9.5 14C7 14 5 12 5 9.5S7 5 9.5 5 14 7 14 9.5 12 14 9.5 14zm6 0h-.8l-.3-.3c1-1.1 1.6-2.6 1.6-4.2C16 5.9 13.1 3 9.5 3S3 5.9 3 9.5 5.9 16 9.5 16c1.6 0 3.1-.6 4.2-1.6l.3.3v.8l5 5 1.5-1.5-5-5z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" class="fs-icon fs-icon--sparkles" viewBox="0 0 19 19" fill="currentcolor"><path d="M11.755 14.214a5.055 5.055 0 0 0-.954-1.39c-.389-.4-.839-.725-1.346-.983.513-.24.972-.548 1.373-.933.405-.391.734-.846.995-1.36.244.521.558.985.952 1.388a5 5 0 0 0 1.345.973 5.04 5.04 0 0 0-1.375.943 5.043 5.043 0 0 0-.99 1.362zM5.21 4.128a3.414 3.414 0 0 0-.973.948 3.422 3.422 0 0 0-.946-.976 3.39 3.39 0 0 0 .974-.944 3.38 3.38 0 0 0 .945.972z" stroke="currentcolor" stroke-width="1.5"></path></svg></a></nav></div></header></div><div class="UNfk5 cjtCL"></div><div class="_1TZN0 IOSAR k262d _3YjOw"><div class="FG1g2"><div class="quV5j"><a aria-label="forbes-f" href="https://www.forbes.com/"><div class="NjswU"><svg class="forbes-f_svg__fs-icon forbes-f_svg__fs-icon--forbes-f" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path d="m16.5 7-.8.2C15 4.9 13.8 3.7 12 3.7H9.5C9.4 5 9.4 7 9.4 9.9h1.7c.9 0 1.6-.7 1.9-2.1h.6V13H13c-.3-1.4-.9-2.1-1.9-2.2H9.4c0 1.6.1 3.1.2 4.4.1.7.2 1.2.4 1.5.2.3.6.5 1.1.6l.8.1v.6H3.6v-.6l.7-.1c.9-.1 1.4-.8 1.5-2.1.3-3.3.3-6.5 0-9.6-.1-1.3-.6-2-1.5-2.1l-.7-.2v-.6h12.8l.1 4.3z"></path></svg></div></a></div><div class="OCl9u"><span style="-webkit-line-clamp:1" class="Ccg9Ib-7"><span class="UESAChoI DUvhMuD- V1JqN3zp CzkiM8n0">Why 75% Of Businesses Aren’t Seeing ROI From AI Yet</span></span></div></div><div class="ndFe6"><div class="Y_uL_"><span class="lRM8V"><div class="Na3NTglQ _51GWpoAk CF_dd"><span class="ujvJmzbB LfmqX">By</span><a class="_4tin10wS ZIbPg" href="https://www.forbes.com/sites/meganpoinski/" rel="noreferrer" target="_self">Megan Poinski</a><span class="AtUb4gy8 LfmqX DHzQR"></span></div><div class="Na3NTglQ _51GWpoAk CF_dd"><span class="ujvJmzbB LfmqX">and</span><a class="_4tin10wS ZIbPg" href="https://www.forbes.com/sites/cio/" data-ga-track="false" rel="noreferrer" target="_self">CIO</a><span class="AtUb4gy8 LfmqX DHzQR"></span></div><button type="button" class="_18BedXz4 zfmcPBtS _9gE86Z3W P9YZ5 HQjGm Nd7xMFo8" disabled="" data-testid="variants"><span class="">Follow</span></button></span></div><div class="_9MklE"><div class="rwK2G vAhSa"><div class="socialShareContainer"><button type="button" aria-label="open share menu" class="sTVDLFT0 AYwaD CKkMh"><svg class="fs-icon fs-icon--share" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M18 16.1c-.8 0-1.4.3-2 .8l-7.1-4.2c.1-.2.1-.5.1-.7s0-.5-.1-.7L16 7.2c.5.5 1.2.8 2 .8 1.7 0 3-1.3 3-3s-1.3-3-3-3-3 1.3-3 3c0 .2 0 .5.1.7L8 9.8C7.5 9.3 6.8 9 6 9c-1.7 0-3 1.3-3 3s1.3 3 3 3c.8 0 1.5-.3 2-.8l7.1 4.2c-.1.2-.1.4-.1.6 0 1.6 1.3 2.9 2.9 2.9s2.9-1.3 2.9-2.9-1.2-2.9-2.8-2.9z"></path></svg></button></div><button disabled="" type="button" aria-label="save article" class="sElHJWe4 CKkMh RbOxY _0YX29K8j"><svg class="fs-icon fs-icon--saved-article" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path d="M13.9 3c.7 0 1.3.6 1.3 1.3V17L10 13.9 4.8 17V4.3c0-.7.5-1.3 1.3-1.3h7.8z"></path></svg><span class="ktx_b IHojBFcO">Save Article</span></button><button disabled="" type="button" class="j_WUt CKkMh"><svg class="comment_svg__fs-icon comment_svg__fs-icon--comment" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M22 4c0-1.1-.9-2-2-2H4c-1.1 0-2 .9-2 2v12c0 1.1.9 2 2 2h14l4 4V4zm-2 0v13.2L18.8 16H4V4h16zM6 12h12v2H6v-2zm0-3h12v2H6V9zm0-3h12v2H6V6z"></path></svg><span>Comment</span><span></span></button></div></div></div></div><div class="fbs-ad--top-wrapper fbs-ad--top-wrapper--takeover tvoOV" style="top:NaNpx;height:0"></div><article id="article-stream-0" class="current-page content_679bbfa1f86da4499e349670"><main class="_4tKaI color-body bg-base"><div class="hY7q0"><div class="HUZQQ UzIGW"><div class="_8cjw-SPU _2uHcUdeI cB20L keHXw"><span class="_6Q2IDc-r"><a class="isDg-4PG" href="https://www.forbes.com/newsletters-old/" data-ga-track="breadcrumb-L2">Newsletters</a></span></div></div><div class="o0ryr Z_niP k5HWd"><div class="hzRTd"><button type="button" class="FddGb"><svg class="info_svg__fs-icon info_svg__fs-icon--info" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"><path fill="#010101" d="M28.3 38.4h3.3v-10h-3.3v10zM30 13.3c-9.2 0-16.7 7.5-16.7 16.7S20.8 46.7 30 46.7 46.7 39.2 46.7 30 39.2 13.3 30 13.3zm0 30.1c-7.4 0-13.4-6-13.4-13.4s6-13.4 13.4-13.4 13.4 6 13.4 13.4-6 13.4-13.4 13.4zM28.3 25h3.3v-3.3h-3.3V25z"></path></svg><span>BETA</span></button><div class="syL_I">This is a BETA experience. opt-out <button type="button" class="FEN0p">here</button><button class="GmkoR" type="button" aria-label="Close"><svg class="close_svg__fs-icon close_svg__fs-icon--close" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path d="M5.05 3.636 16.364 14.95l-1.414 1.414L3.636 5.05z"></path><path d="M16.364 5.05 5.05 16.364 3.636 14.95 14.95 3.636z"></path></svg></button></div></div></div></div><div class="h9nLs headline-embed"><div class="cxkrv"><div class="HQYQR"><div class="FBQIu fROHd"><div class="_RIvP"><a data-ga-track="eyebrow-editors-pick" data-vars-event-label="eyebrow-editors-pick" href="https://www.forbes.com/editors-picks" class="kh5W_"><span class="ecTne color-base">Editors' Pick</span></a></div><h1 class="speakable-headline color-base aY5Zr">Why 75% Of Businesses Aren’t Seeing ROI From AI Yet</h1></div><div class="_3_WSY">Plus: DeepSeek Throws A Grenade Into The AI Space, AI Looms Large In Microsoft And Meta Earnings, AI Moves Doomsday Clock Closer To Midnight</div></div></div></div><div class="cO11L OtGY6"><div class="AhtZ3"><div class="ZgVJj"><div class="vDF8R"><div data-testid="truncation-inner" class="_9GOxm"><div class="Na3NTglQ _51GWpoAk CF_dd"><span class="ujvJmzbB LfmqX">By</span><a class="_4tin10wS _9xFYp" href="https://www.forbes.com/sites/meganpoinski/" rel="noreferrer" target="_self">Megan Poinski</a><span class="AtUb4gy8 LfmqX DHzQR">, Forbes Staff </span></div><div class="Na3NTglQ _51GWpoAk CF_dd"><span class="ujvJmzbB LfmqX">and</span><a class="_4tin10wS _9xFYp" href="https://www.forbes.com/sites/cio/" data-ga-track="false" rel="noreferrer" target="_self">CIO</a><span class="AtUb4gy8 LfmqX DHzQR">, Forbes Staff. </span></div></div></div></div><div style="position:relative"><button type="button" class="_18BedXz4 zfmcPBtS _9gE86Z3W RGcmU lOw_p Nd7xMFo8" disabled="" data-testid="variants"><span class="">Follow Authors</span></button></div></div><div class="v8jKF" data-test-id="timeStamp"><span class="ycHdAQ4U UcPtB fyNvZ">Jan 30, 2025, 01:14pm EST</span></div><div class="rwK2G uoI3_"><div class="socialShareContainer"><button type="button" aria-label="open share menu" class="sTVDLFT0 AYwaD CKkMh"><svg class="fs-icon fs-icon--share" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M18 16.1c-.8 0-1.4.3-2 .8l-7.1-4.2c.1-.2.1-.5.1-.7s0-.5-.1-.7L16 7.2c.5.5 1.2.8 2 .8 1.7 0 3-1.3 3-3s-1.3-3-3-3-3 1.3-3 3c0 .2 0 .5.1.7L8 9.8C7.5 9.3 6.8 9 6 9c-1.7 0-3 1.3-3 3s1.3 3 3 3c.8 0 1.5-.3 2-.8l7.1 4.2c-.1.2-.1.4-.1.6 0 1.6 1.3 2.9 2.9 2.9s2.9-1.3 2.9-2.9-1.2-2.9-2.8-2.9z"></path></svg></button></div><button disabled="" type="button" aria-label="save article" class="sElHJWe4 CKkMh RbOxY _0YX29K8j"><svg class="fs-icon fs-icon--saved-article" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path d="M13.9 3c.7 0 1.3.6 1.3 1.3V17L10 13.9 4.8 17V4.3c0-.7.5-1.3 1.3-1.3h7.8z"></path></svg><span class="ktx_b IHojBFcO">Save Article</span></button><button disabled="" type="button" class="j_WUt CKkMh"><svg class="comment_svg__fs-icon comment_svg__fs-icon--comment" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M22 4c0-1.1-.9-2-2-2H4c-1.1 0-2 .9-2 2v12c0 1.1.9 2 2 2h14l4 4V4zm-2 0v13.2L18.8 16H4V4h16zM6 12h12v2H6v-2zm0-3h12v2H6V9zm0-3h12v2H6V6z"></path></svg><span>Comment</span><span></span></button></div><div class="p5_3X fs-premium"><div class="fs-article fs-premium fs-responsive-text current-article font-body color-body bg-base font-accent article-subtype__masthead"><style>@font-face{font-family: "Schnyder"; src: url("https://i.forbesimg.com/assets/fonts/schnyders/schnyders-bold-webfont.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/schnyders/schnyders/schnyders-bold-webfont.woff") format("woff"); font-weight: 700; font-style: normal;} @font-face{font-family: "Merriweather"; src: url("https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff") format("woff"); font-weight: 700; font-style: normal;} @font-face{font-family: "Euclid"; src: url("https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-bold-webfont.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-bold-webfont.woff") format("woff"); font-weight: 700; font-style: normal;} @font-face{font-family: "Schnyder"; src: url("https://i.forbesimg.com/assets/fonts/schnyders/schnyders-light-webfont.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/schnyders/schnyders-light-webfont.woff") format("woff"); font-weight: 400; font-style: normal;} @font-face{font-family: "Merriweather"; src: url("https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff") format("woff"); font-weight: 400; font-style: normal;} @font-face{font-family: "Euclid"; src: url("https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-regular-webfont.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-regular-webfont.woff") format("woff"); font-weight: 400; font-style: normal;} #article-stream-0 .color-accent{color: #000000;} #article-stream-0 .bg-accent{background-color: #000000;} #article-stream-0 .article-body blockquote:not(.quote-embed){color: #000000;} #article-stream-0 .article-body blockquote:before{background: #000000;} #article-stream-0 .color-base{color: #FFFFFF;} #article-stream-0 .bg-base{background-color: #FFFFFF;} #article-stream-0 .article-body .finds-embed button{color: #FFFFFF;} #article-stream-0 .color-body{color: #333333;} #article-stream-0 .color-body-border{border-top-color: rgba(51,51,51, 0.8);border-bottom-color: rgba(51,51,51, 0.8);} .bg-body{background-color: #333333;} #article-stream-0 .color-link{color: #003891;} #article-stream-0 .{background-color: #003891;} #article-stream-0 .article-body .finds-embed{background: #003891;} #article-stream-0 .font-accent{font-family: Schnyder,"Noto Sans","Droid Sans","Helvetica Neue",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .article-body blockquote:not(.quote-embed){font-family: Schnyder,"Noto Sans","Droid Sans","Helvetica Neue",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .font-base{font-family: "Merriweather",serif;} #article-stream-0 .font-body{font-family: Georgia,Cambria,"Times New Roman",Times,serif;} #article-stream-0 .headline-embed.color-accent, #article-stream-0 .headline-embed .color-accent{color: #000000;} #article-stream-0 .headline-embed.bg-accent, #article-stream-0 .headline-embed .bg-accent{background-color: #000000;} #article-stream-0 .headline-embed.color-base, #article-stream-0 .headline-embed .color-base{color: #FFFFFF;} #article-stream-0 .headline-embed.bg-base, #article-stream-0 .headline-embed .bg-base{background-color: #FFFFFF;} #article-stream-0 .headline-embed.font-base, #article-stream-0 .headline-embed .font-base{font-family: Schnyder,"Noto Sans","Droid Sans","Helvetica Neue",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .headline-embed.font-size, #article-stream-0 .headline-embed .font-size{font-size: 54px;} #article-stream-0 .quote-embed.color-accent, #article-stream-0 .quote-embed .color-accent{color: #FFFFFF;} #article-stream-0 .quote-embed.bg-accent, #article-stream-0 .quote-embed .bg-accent{background-color: #FFFFFF;} #article-stream-0 .quote-embed.color-base, #article-stream-0 .quote-embed .color-base{color: #000000;} #article-stream-0 .quote-embed.bg-base, #article-stream-0 .quote-embed .bg-base{background-color: #000000;} #article-stream-0 .quote-embed.font-accent, #article-stream-0 .quote-embed .font-accent{font-family: Schnyder,"Noto Sans","Droid Sans","Helvetica Neue",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .quote-embed.font-size p, #article-stream-0 .quote-embed .font-size p{font-size: 36px;} #article-stream-0 .subhead-embed.color-accent, #article-stream-0 .subhead-embed .color-accent{color: #333333;} #article-stream-0 .subhead-embed.bg-accent, #article-stream-0 .subhead-embed .bg-accent{background-color: #333333;} #article-stream-0 .subhead-embed.font-accent, #article-stream-0 .subhead-embed .font-accent{font-family: Euclid,"Noto Sans","Droid Sans","Helvetica Neue",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .subhead-embed.font-size, #article-stream-0 .subhead-embed .font-size{font-size: 26px;} #article-stream-0 .subhead3-embed.color-body, #article-stream-0 .subhead3-embed .color-body{color: #333333;} #article-stream-0 .subhead3-embed.color-body-border{border-top-color: rgba(51,51,51, 0.8);border-bottom-color: rgba(51,51,51, 0.8);} .bg-body, #article-stream-0 .subhead3-embed .color-body-border{border-top-color: rgba(51,51,51, 0.8);border-bottom-color: rgba(51,51,51, 0.8);} .bg-body{background-color: #333333;} #article-stream-0 .subhead3-embed.font-accent, #article-stream-0 .subhead3-embed .font-accent{font-family: Euclid,"Noto Sans","Droid Sans","Helvetica Neue",Corbel,Helvetica,Arial,sans-serif;}</style><div class="b6Cr_ article-body-container"><div class="fs-article fs-premium fs-responsive-text current-article font-body color-body bg-base font-accent article-subtype__masthead article-body premium-container"><h3 class="subhead3-embed color-body bg-base font-accent font-size text-align">This is the published version of <em>Forbes’</em> CIO newsletter, which offers the latest news for chief innovation officers and other technology-focused leaders. <a href="https://www.forbes.com/newsletter/cio" target="_self" class="color-link" title="https://www.forbes.com/newsletter/cio" data-ga-track="InternalLink:https://www.forbes.com/newsletter/cio" aria-label="Click here">Click here</a> to get it delivered to your inbox every Thursday.</h3><hr class="embed-base rule-embed color-accent border-solid weight-light"/> <div class="article_paragraph_2"></div> <p>In the last two years, <strong>most new developments in generative AI have resulted in applause and admiration</strong> from the tech-interested community in the U.S. Industry leaders have noted the achievements of others—sometimes rushing to copy them—while investors and pundits generally celebrate the growing ability of the technology as a whole.</p> <div class="halfway_hardwall_1"></div> <p>When Chinese AI chatbot DeepSeek appeared last week, the <strong>polite admiration from tech leaders was there, but nothing else that was positive</strong>. The apparently self-funded platform that reportedly cost just $5.6 million to train, and which was likely developed <a href="https://www.forbes.com/sites/ywang/2025/01/27/chinas-deepseek-makes-robust-popular-ai-product-despite-us-curbs/" target="_self" class="color-link" title="https://www.forbes.com/sites/ywang/2025/01/27/chinas-deepseek-makes-robust-popular-ai-product-despite-us-curbs/" data-ga-track="InternalLink:https://www.forbes.com/sites/ywang/2025/01/27/chinas-deepseek-makes-robust-popular-ai-product-despite-us-curbs/" aria-label="with less powerful chips">with less powerful chips</a> than those behind U.S.-based models, made many U.S. tech investors <a href="https://www.forbes.com/sites/dereksaul/2025/01/29/deepseek-panic-live-updates-nvidia-stock-drops-4-as-trump-reportedly-mulls-china-chip-sale-restrictions/" target="_self" class="color-link" title="https://www.forbes.com/sites/dereksaul/2025/01/29/deepseek-panic-live-updates-nvidia-stock-drops-4-as-trump-reportedly-mulls-china-chip-sale-restrictions/" data-ga-track="InternalLink:https://www.forbes.com/sites/dereksaul/2025/01/29/deepseek-panic-live-updates-nvidia-stock-drops-4-as-trump-reportedly-mulls-china-chip-sale-restrictions/" aria-label="pause and pull back">pause and pull back</a>, weighing down the stock market as a whole. DeepSeek, which outperformed some OpenAI models, showed the U.S. that a Chinese tech company could become a frontrunner in the race to develop generative AI platforms. Investor and billionaire Marc Andreessen wrote on X that DeepSeek’s model is “AI’s Sputnik moment,” <a href="https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/" target="_self" class="color-link" title="https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/" data-ga-track="InternalLink:https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/" aria-label="Forbes’ Rashi Shrivastava and Richard Nieva wrote"><em data-ga-track="InternalLink:https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/">Forbes’</em> Rashi Shrivastava and Richard Nieva wrote</a>. And the speedy, explosive success of DeepSeek quickly catapulted founder Liang Wenfeng to billionaire status, <a href="https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/" target="_self" class="color-link" title="https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/" data-ga-track="InternalLink:https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/" aria-label="writes Forbes’ Giocomo Tognini and Phoebe Liu">writes <em data-ga-track="InternalLink:https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/">Forbes’ </em>Giocomo Tognini and Phoebe Liu</a>.</p> <div class="halfway_hardwall_2"></div> <p>Beyond the financial panic, <strong>there are deeper issues for AI technology</strong>. How did a relatively unknown Chinese company get to this point so quickly? Several analysts and experts have <a href="https://www.forbes.com/sites/antoniopequenoiv/2025/01/27/trump-calls-deepseek-a-positive-development-but-wake-up-call-for-us-industries/" target="_self" class="color-link" title="https://www.forbes.com/sites/antoniopequenoiv/2025/01/27/trump-calls-deepseek-a-positive-development-but-wake-up-call-for-us-industries/" data-ga-track="InternalLink:https://www.forbes.com/sites/antoniopequenoiv/2025/01/27/trump-calls-deepseek-a-positive-development-but-wake-up-call-for-us-industries/" aria-label="pointed out">pointed out</a> that DeepSeek didn’t exactly start from nothing, and probably spent a lot more on equipment than they are claiming. Prior to DeepSeek, Liang founded and led quantitative trading hedge fund High-Flyer Capital Management, through which he spent millions amassing Nvidia GPUs to improve that business. President Donald Trump said Monday that DeepSeek was a “positive development” for technology, but is a “wake up call” for the U.S., and he is considering additional restrictions on Nvidia products that can be sold in China, <a href="https://www.bloomberg.com/news/articles/2025-01-29/trump-officials-discuss-tightening-curbs-on-nvidia-china-sales" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://www.bloomberg.com/news/articles/2025-01-29/trump-officials-discuss-tightening-curbs-on-nvidia-china-sales" data-ga-track="ExternalLink:https://www.bloomberg.com/news/articles/2025-01-29/trump-officials-discuss-tightening-curbs-on-nvidia-china-sales" aria-label="Bloomberg reported">Bloomberg reported</a>. OpenAI and Microsoft are <a href="https://www.forbes.com/sites/siladityaray/2025/01/29/openai-believes-deepseek-distilled-its-data-for-training-heres-what-to-know-about-the-technique/" target="_self" class="color-link" title="https://www.forbes.com/sites/siladityaray/2025/01/29/openai-believes-deepseek-distilled-its-data-for-training-heres-what-to-know-about-the-technique/" data-ga-track="InternalLink:https://www.forbes.com/sites/siladityaray/2025/01/29/openai-believes-deepseek-distilled-its-data-for-training-heres-what-to-know-about-the-technique/" aria-label="reportedly investigating">reportedly investigating</a> whether DeepSeek’s strong start came from tapping into OpenAI’s data through a process called “distillation”—using outputs from a larger, more experienced AI model to train a smaller one. OpenAI has an API to allow other businesses and platforms to tap into its model, but using it for distillation is prohibited.</p> <div class="halfway_hardwall_3"></div> <p>But not only is there the possibility that DeepSeek is potentially improperly using U.S. technology, <strong>there are also national security issues</strong>. After all, the U.S. has been clamping down on high-tech exports to China in a move to retain national dominance in AI. There’s also the issue of data. <a href="https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/" target="_self" class="color-link" title="https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/" data-ga-track="InternalLink:https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/" aria-label="Forbes’ Thomas Brewster writes"><em data-ga-track="InternalLink:https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/">Forbes’</em> Thomas Brewster writes</a> that DeepSeek is based in the Chinese city of Hangzhou, and its privacy policy details that user data—including keystroke patterns and IP addresses—is stored on servers there. The problem of Americans’ data stored on Chinese servers—and potentially readily available to the Chinese government—was the impetus behind the TikTok ban-or-sale bill, which is awaiting implementation. Brewster also wrote in this week’s <a href="https://www.forbes.com/sites/thomasbrewster/2025/01/28/the-wiretap-deepseek-turned-into-evil-malware-maker-researchers-find/" target="_self" class="color-link" title="https://www.forbes.com/sites/thomasbrewster/2025/01/28/the-wiretap-deepseek-turned-into-evil-malware-maker-researchers-find/" data-ga-track="InternalLink:https://www.forbes.com/sites/thomasbrewster/2025/01/28/the-wiretap-deepseek-turned-into-evil-malware-maker-researchers-find/" aria-label="issue of The Wiretap newsletter">issue of The Wiretap newsletter</a> that researchers from cyber intelligence firm Kela were able to make DeepSeek “turn evil,” easily bypassing its safeguards to make it create malicious code that steals credit card numbers. DeepSeek will also suggest that users buy stolen data and provide tips on money laundering.</p> <div class="halfway_hardwall_4"></div> <p>So another gauntlet in the AI space has been thrown by DeepSeek, but <strong>many are treating this one like a grenade</strong>. While it does provide something to learn about the cost to develop an AI system, it’s left an unspoken challenge to the U.S. to do better and for less. There’s no doubt Silicon Valley is already working on it.</p> <div class="article_paragraph_7"></div> <p>Boston Consulting Group <a href="https://www.bcg.com/publications/2025/closing-the-ai-impact-gap" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://www.bcg.com/publications/2025/closing-the-ai-impact-gap" data-ga-track="ExternalLink:https://www.bcg.com/publications/2025/closing-the-ai-impact-gap" aria-label="took a look">took a look</a> at how companies across the globe are using AI, and found that one in three plans to invest at least $25 million in upgrading technology this year. However, <strong>only about 25% are already seeing ROI</strong>. I talked to BCG Global Leader of Tech and Digital Advantage Vladimir Lukic about the reasons behind that. An excerpt from our conversation is later in this newsletter.</p><div style="min-height:0"><div class="G9049W9y _1apm68B5 L996f LfzXb vKVY8 inlineAdContainer" aria-hidden="true" role="presentation" tabindex="-1" data-testid="ad-container"></div></div> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>NOTABLE EARNINGS</strong></h2><figure class="embed-base image-embed embed-585" role="presentation"><div style="padding-top:56.12%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/679bb5c29b0d432b6e01252a/Looking-up-at-the-Microsoft-logo-on-a-glass-and-reflective-building-facade/0x0.jpg?cropX1=0&cropX2=4329&cropY1=223&cropY2=2658" alt="Looking up at the Microsoft logo on a glass and reflective building facade" data-height="2886" data-width="4329"></progressive-image></div><figcaption><p class="color-body light-text">The Microsoft Experience Center in New York City.</p><small class="color-body light-text">Michael M. Santiago/Getty Images</small></figcaption></figure> <p>Several Big Tech companies are delivering their first earnings reports of the year, and unsurprisingly, much of their reception with investors is depending on their performance in the AI space. Microsoft, which <a href="https://www.microsoft.com/en-us/investor/earnings/fy-2025-q2/press-release-webcast" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://www.microsoft.com/en-us/investor/earnings/fy-2025-q2/press-release-webcast" data-ga-track="ExternalLink:https://www.microsoft.com/en-us/investor/earnings/fy-2025-q2/press-release-webcast" aria-label="reported its earnings">reported its earnings</a> after markets closed Wednesday, <strong>saw growth across the board</strong>, with total revenues of $69.6 billion, a year-over-year increase of 12%. Microsoft’s cloud business pulled in $40.9 billion in revenue, up 21% from last year, but investors balked because that was on the low side of expectations. As trading opened Thursday, Microsoft stock was down more than 5%. CFO Amy Hood and CEO Satya Nadella said on the earnings call that Microsoft’s growth in this area is capacity constrained. Microsoft has committed to spending $80 billion in infrastructure improvements to ease those constraints in 2025 alone, and Hood and Nadella said more growth can be expected in future quarters.</p> <p>Meta, which also <a href="https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/Meta-12-31-2024-Exhibit-99-1-FINAL.pdf" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/Meta-12-31-2024-Exhibit-99-1-FINAL.pdf" data-ga-track="ExternalLink:https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/Meta-12-31-2024-Exhibit-99-1-FINAL.pdf" aria-label="reported earnings">reported earnings</a> after markets closed on Wednesday, posted a 21% year-over-year bump in revenue, and 49% increase in net income. The company reported <strong>increases in traffic, advertising revenue and e-commerce</strong> throughout its social apps, as well as hitting the milestone of <a href="https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/META-Q4-2024-Earnings-Call-Transcript.pdf" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/META-Q4-2024-Earnings-Call-Transcript.pdf" data-ga-track="ExternalLink:https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/META-Q4-2024-Earnings-Call-Transcript.pdf" aria-label="700 million monthly users">700 million monthly users</a> of its Meta AI platform. Investors reacted positively, as Meta’s stock went up nearly 4% on Thursday morning. Meta CEO Mark Zuckerberg had already announced more developments on the AI front last week, saying the company <a href="https://www.forbes.com/sites/dereksaul/2025/01/24/meta-will-spend-record-60-billion-on-ai-this-year-zuckerberg-says-after-trump-announces-stargate-deal-with-openai/" target="_self" class="color-link" title="https://www.forbes.com/sites/dereksaul/2025/01/24/meta-will-spend-record-60-billion-on-ai-this-year-zuckerberg-says-after-trump-announces-stargate-deal-with-openai/" data-ga-track="InternalLink:https://www.forbes.com/sites/dereksaul/2025/01/24/meta-will-spend-record-60-billion-on-ai-this-year-zuckerberg-says-after-trump-announces-stargate-deal-with-openai/" aria-label="plans to invest">plans to invest</a> between $60 million and $65 million on AI. Reports on Wednesday also indicated <a href="https://www.forbes.com/sites/antoniopequenoiv/2025/01/29/meta-settles-trumps-lawsuit-will-pay-25-million-to-end-censorship-claims/" target="_self" class="color-link" title="https://www.forbes.com/sites/antoniopequenoiv/2025/01/29/meta-settles-trumps-lawsuit-will-pay-25-million-to-end-censorship-claims/" data-ga-track="InternalLink:https://www.forbes.com/sites/antoniopequenoiv/2025/01/29/meta-settles-trumps-lawsuit-will-pay-25-million-to-end-censorship-claims/" aria-label="another large forthcoming payment">another large forthcoming payment</a> from Meta: A $25 million settlement to end President Donald Trump’s 2021 lawsuit accusing the social media company of wrongfully censoring him after it suspended his Facebook and Instagram accounts in the wake of the January 6 Capitol insurrection.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">ARTIFICIAL INTELLIGENCE</h2><figure class="embed-base image-embed embed-586" role="presentation"><div><a class="image-embed-link color-link image-embed__placeholder" href="https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/" target="_self" rel="nofollow noopener noreferrer" aria-label="FORBES.com" style="padding-top:56.12%;position:relative" data-ga-track="InternalLink:https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/"><progressive-image src="https://specials-images.forbesimg.com/imageserve/679bb6d97d31b90c8a8a870a/Simple-analog-wall-clock-on-white-background-/0x0.jpg?cropX1=0&cropX2=4758&cropY1=262&cropY2=2938" alt="Simple analog wall clock on white background." data-height="3175" data-width="4758" data-ga-track="InternalLink:https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/"></progressive-image></a></div><figcaption><p class="color-body light-text"><small>getty</small></p></figcaption></figure> <p>The <a href="https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/" target="_self" class="color-link" title="https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/" data-ga-track="InternalLink:https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/" aria-label="“Doomsday Clock,">“Doomsday Clock,</a>” a curated measurement of how close human civilization may be to total collapse, ticked one second closer to midnight, the Bulletin of the Atomic Scientists announced this week. According to this measure, it’s 89 seconds to “midnight,” the closest the world has ever been midnight. <strong>One of the new risks that moved the minute hand: AI</strong>. The technology, <a href="https://thebulletin.org/doomsday-clock/2025-statement/disruptive-technologies/" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://thebulletin.org/doomsday-clock/2025-statement/disruptive-technologies/" data-ga-track="ExternalLink:https://thebulletin.org/doomsday-clock/2025-statement/disruptive-technologies/" aria-label="the scientists write">the scientists write</a>, can be used for harm, both in weapons of war and “processes of information corruption. AI-enabled distortion of the information environment may be an important factor in preventing the world from dealing effectively with urgent major threats like nuclear war, pandemics, and climate change.” The scientists call out former President Joe Biden’s AI executive order as a positive initial step to “seize the promise and manage the risks of AI,” but the order was rescinded on Trump’s first day in office.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">BITS + BYTES</h2> <h3 class="subhead3-embed color-body bg-base font-accent font-size text-align"><strong>Big Changes, Fear, Silos And Bureaucracy: BCG Details Why ROI On AI Can Be Slow</strong></h3><figure class="embed-base image-embed embed-588" role="presentation"><div style="padding-top:56.12%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/679bb8cb5c17647ce0e3fa17/Collage-of-headshot-of-Vladimir-Lukic-on-a-white-background-and-a-line-chart-on-a/1960x0.jpg?fit=scale" alt="Collage of headshot of Vladimir Lukic on a white background and a line chart on a blue background being pushed up by a robot hand" data-height="2700" data-width="4800"></progressive-image></div><figcaption><p class="color-body light-text">BCG Global Leader of Tech and Digital Advantage Vladimir Lukic.</p><small class="color-body light-text">BCG, Getty</small></figcaption></figure> <p><em>A </em><a href="https://www.bcg.com/publications/2025/closing-the-ai-impact-gap" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://www.bcg.com/publications/2025/closing-the-ai-impact-gap" data-ga-track="ExternalLink:https://www.bcg.com/publications/2025/closing-the-ai-impact-gap" aria-label="recent study"><em data-ga-track="ExternalLink:https://www.bcg.com/publications/2025/closing-the-ai-impact-gap">recent study</em></a><em> from Boston Consulting Group examined how companies were integrating AI into their workplaces, and found that 75% of executives rank AI as a top-three priority, and one in three is planning to spend more than $25 million on the technology. However, only about a quarter of companies are seeing ROI from the investments they’ve made so far. I talked to Vladimir Lukic, BCG’s global leader of tech and digital advantage, about why more companies aren’t seeing return just yet. This conversation has been edited for length, clarity and continuity.</em></p> <p><strong>In the study, you found that only about 25% of companies are seeing ROI right now with their AI. Of the remaining 75%, you mentioned that about 25% don’t have a business case for moving quickly to implement AI. How do the others feel?</strong></p> <p><strong>Lukic: </strong>They are [saying]: Listen, I have a data science team, and I have a data engineering team, and I have a center of excellence for automation, and I have the IT team—and yet they’re not unlocking the value. They’re extremely frustrated. And there are three reasons for why they can’t break through it.</p> <p>One is many executives, the last time they were in school was 30 years ago. A lot of these technologies did not exist. There was no iPhone at the time. There was for sure not AI at scale deployed at people’s fingertips. They don’t know how to anticipate these things. It's not in the DNA of how they deploy this into the workflow. Two, as they were middle managers and going through, they didn’t need to rethink the processes around these types of technologies, so the muscle was really never built. That’s one set of reasons why they can’t do it.</p> <p>The other one is: A lot of the companies have been used to 2%, 3% continuous improvement on an annual basis on efficiency and productivity, et cetera. We’re talking now 20%, 30%, 40%, 50% changes in productivity and efficiency. It’s an order-of-magnitude change. It does require a very different setup and governance and ability to move on these things.</p> <p>This is where they break the teeth, and this is the <a href="https://www.bcg.com/capabilities/artificial-intelligence" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://www.bcg.com/capabilities/artificial-intelligence" data-ga-track="ExternalLink:https://www.bcg.com/capabilities/artificial-intelligence" aria-label="10-20-70">10-20-70</a> [approach to AI deployment] that we talk about. Algorithms and all that is 10%. Twenty percent of it is changing the piping and the plumbing and making sure that the right data is in the right place at the right time. Seventy percent is changing the workflows. That muscle is gone.</p> <p>The last thing [that makes] it hard for them and why it’s frustrating: I have a data science team. I’ve given them these new tools with gen AI, and a mandate to drive it into the organization. But some of these new tools don’t require a data scientist. They require a business owner to deploy. The data scientist puts a threshold on some of these new tools, [requiring they must be at] 99% accuracy when the tools are at 70%, 80% accuracy. And they’re like, we cannot deploy it. You ask them: What is the human accuracy? Well, 40%, 50%. They don’t have the mandate from the organization to drive the right human conversations on the ground. It’s frustrating as hell.</p> <p><strong>What are the 25% who are seeing ROI doing right?</strong></p> <p>There is the base knowledge of the technologies at a higher level. When I sit with the executives in that bucket, they don’t talk about technology at all. The conversations we have are: What are the frictions in the value chain? Where can we add value to the customers? If we did something in a different way on any of those points of friction, how would that give us a competitive edge, et cetera. When I talk to the companies that are in the 50% bucket, it is: Is this real? How does it really work? How fast is it going to come? Do we really need to do something? What’s the payback on it? Et cetera. They’re trying to wrap their head around the technicalities of it, where the folks in [the] 25% know it, understand what it is, and therefore they can focus really on the business questions.</p> <p>Two, they focus on fewer use cases where they deploy, but they go deeper and they think about it more as a workflow. When they invest money in it, they stick with it for a longer period of time, and they dedicate business people to drive those changes on the ground. The ones that are struggling go for many more use cases. They run them in shorter pilots and they never actually get to make it to stick, and they don’t force themselves to prioritize.</p> <p>The third one is they focus on the core processes. They’re very ruthless around where the value is. Usually when you do the math, value is in your core workflow. So for insurance companies, that’s the underwriting and claims processing. For software companies, it’s software engineering. They don’t shy away from going after the guts of the business.</p> <p>And then the last point: They are really fast at rethinking the workflow end-to-end, and then changing the incentives of everyone to make sure they do it the right way.</p> <p><strong>The study also shows 60% aren’t tracking the right metrics to determine ROI. How are they missing this?</strong></p> <p>These are smart people that are running successful companies that have good intent, so it’s not incompetence and it’s not people just being ignorant of it. Many times, companies ask the wrong people to own some of these initiatives and they sit in a silo in the organization without the position to actually influence the outcomes.</p> <p>Data scientists are asked to deploy gen AI. They usually report four or five layers into the CIO organization. They build a tool, [and] it takes them longer to build it because they want to get it to a level of precision that might not be needed. Once they get it, they say, ‘IT organization, take it.’</p> <p>I am now a salesperson in a call center and I have a tool that can help me do things faster. I’m not using it. Why? Because my quota is to do different actions. To start [getting the AI tool used], I need to change the quota. Well, the data science team is not going to go talk to the head of sales and say, ‘Change the quota for your salespeople.’ They’ll say, ‘I don’t talk to you.’ So the data science team needs to work through their chain of command to get to the CIO, to then get to CFO to engage CEO and chief sales officer to influence that outcome. And then, the chief sales officer needs to work with individual regional chairs who say, ‘This is a great idea, but my bonus is tied to different outcomes for the whole year. So we can do it next year. Let’s put it in the planning process.’</p> <p>The companies that manage to break through this are the ones that are delivering value. And it’s easy to break. You take that business leader and tag them together with the data science team and the tech team. They’re in a squad, and they’re given permission to change the workflow and the incentives. You create a forum where they regularly discuss these things and act on them, and you make it visible to the CEO. It’s manageable, but you need to manage it that way. Currently, people are in their silos and they have their objectives.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>FACTS + COMMENTS</strong></h2> <p>A <a href="https://www.forbes.com/sites/daveywinder/2025/01/28/hackers-are-getting-faster-48-minutes-and-youre-cooked/" target="_self" class="color-link" title="https://www.forbes.com/sites/daveywinder/2025/01/28/hackers-are-getting-faster-48-minutes-and-youre-cooked/" data-ga-track="InternalLink:https://www.forbes.com/sites/daveywinder/2025/01/28/hackers-are-getting-faster-48-minutes-and-youre-cooked/" aria-label="new study">new study</a> from ReliaQuest found that<strong> hackers are getting faster</strong> at breaking into systems.</p> <p><strong>48: </strong>Minutes it took on average for a hacker to be able to exploit a system in 2024</p> <p><strong>18: </strong>Average number of days it took last year for a hacker to attack after finding a vulnerability</p> <p><strong>‘Crucial in matching—and surpassing—the speed of adversaries’: </strong>How ReliaQuest cyber threat researcher Irene Fuentes McDonnell described automated defenses</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">STRATEGIES + ADVICE</h2> <p>Leaders have a lot going on, but <strong>they can make the greatest impact</strong> if they <a href="https://www.forbes.com/sites/nelldebevoise/2025/01/07/how-high-impact-leaders-can-align-time-energy-and-attention-for-greater-impact/" target="_self" class="color-link" title="https://www.forbes.com/sites/nelldebevoise/2025/01/07/how-high-impact-leaders-can-align-time-energy-and-attention-for-greater-impact/" data-ga-track="InternalLink:https://www.forbes.com/sites/nelldebevoise/2025/01/07/how-high-impact-leaders-can-align-time-energy-and-attention-for-greater-impact/" aria-label="align their time">align their time</a>, energy and attention in ways that match their values.</p> <p>While the CIO may be in charge of tech strategy, <strong>input is always needed from others</strong>. Here’s why everyone in your office is needed to <a href="https://www.forbes.com/sites/joemckendrick/2025/01/11/why-everyone---from-technologists-to-creatives--needs-to-guide-ai-design/" target="_self" class="color-link" title="https://www.forbes.com/sites/joemckendrick/2025/01/11/why-everyone---from-technologists-to-creatives--needs-to-guide-ai-design/" data-ga-track="InternalLink:https://www.forbes.com/sites/joemckendrick/2025/01/11/why-everyone---from-technologists-to-creatives--needs-to-guide-ai-design/" aria-label="guide a successful AI program">guide a successful AI program</a>.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>QUIZ</strong></h2> <p>Legendary Microsoft founder and philanthropist Bill Gates is <strong>publishing the first part of a three-part memoir</strong> next month. What is the title?</p> <p>A.<em> Open Windows</em></p> <p>B. <em>404</em></p> <p>C. <em>Source Code</em></p> <p>D. <em>Hello World</em></p> <p>See if you got the answer right <a href="https://www.forbes.com/sites/maryroeloffs/2025/01/28/what-we-know-about-bill-gates-memoir-source-code/" target="_self" class="color-link" title="https://www.forbes.com/sites/maryroeloffs/2025/01/28/what-we-know-about-bill-gates-memoir-source-code/" data-ga-track="InternalLink:https://www.forbes.com/sites/maryroeloffs/2025/01/28/what-we-know-about-bill-gates-memoir-source-code/" aria-label="here">here</a>.</p> <div class="newsletter_signup_article"></div></div><div class="_38K2d"><a class="TYbQt color-body" href="https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/" rel="noopener noreferrer" target="_blank">Editorial Standards</a><span class="HMT72"></span><a class="TYbQt color-body" href="https://www.parsintl.com/publications/forbes/" rel="noopener noreferrer" target="_blank">Forbes Accolades</a></div></div></div></div></div><div class="paywall_ribbon" style="margin-bottom:0"></div></main></article><footer class="smP7p--o" role="contentinfo"><div class="_1FviBxkI"><div class="RS-LXz9z"><a aria-label="Link to Forbes Homepage" class="Shi6M7tj" href="https://www.forbes.com/"><svg class="fs-icon fs-icon--forbes-logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"><path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path></svg></a><div class="QUZBXqTw">© 2025 Forbes Media LLC. All Rights Reserved.</div></div><ul class="V2fcZocW"><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://youradchoices.com/control" target="_blank" rel="noopener noreferrer">AdChoices</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/fdc/privacy.html" target="_self">Privacy Statement</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/consent/editprivacy/?consent_do_not_sell=true" target="_blank" rel="noopener noreferrer">Do Not Sell or Share My Personal Information</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/consent/editprivacy/?consent_limit=true" target="_blank" rel="noopener noreferrer">Limit the Use of My Sensitive Personal Information</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/consent/editprivacy/?consent_all_preferences=true" target="_self" rel="noopener noreferrer">Privacy Preferences</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/digital-terms-of-sale" target="_self" rel="noopener noreferrer">Digital Terms of Sale</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/terms/" target="_self" rel="noopener noreferrer">Terms of Service</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/fdc/contact.html" target="_self">Contact Us</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="mailto:feedback@forbes.com">Send Us Feedback</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/contact/" target="_self" rel="noopener noreferrer">Report a Security Issue</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/sites/careers-at-forbes/" target="_self">Jobs At Forbes</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="http://forbesreprints.magreprints.com/" target="_blank" rel="noopener noreferrer">Reprints & Permissions</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="https://www.forbes.com/sites/forbespr/" target="_self">Forbes Press Room</a></li><li class="wYCSe4n6"><a class="v0KZSSFF" href="http://www.forbesmedia.com/" target="_blank" rel="noopener noreferrer">Advertise</a></li></ul></div></footer></div><div class="u6_AM"></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"data":{"article":{"templateType":"premium","isNotNextJSFromStream":false,"isNextJS":true,"templateSubType":"masthead","isGameArticle":false,"forbesOneContext":{"multi-label-classifier":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"multi-label-classifier","modelVersionId":"12","model":"mlc","prediction":[{"id":"3","label":"Business and Finance","tiers":[{"label":"Industries","id":"3.3","tiers":[{"label":"Technology Industry","id":"3.3.31"}]}]},{"id":"26","label":"Technology \u0026 Computing","tiers":[{"label":"Artificial Intelligence","id":"26.1"},{"label":"Computing","id":"26.3","tiers":[{"label":"Computer Software and Applications","id":"26.3.3"}]}]}]},"emotion-v1":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"emotion-v1","modelVersionId":"5","model":"emotion","prediction":[{"emotion":"admiration"}]},"content-quality-v1":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"content-quality-v1","modelVersionId":"2","model":"cq","prediction":[{"content_quality":0.9998216}]},"topics":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"topics","model":"TOPIC","topics":"technology-industry,enterprise-commerce,enterprise-growth-strategy,artificial-intelligence,computer-software-and-applications,business-software-solutions","channels":"Innovation,Money,Business"},"named-entity-recognition-3":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"named-entity-recognition-3","modelVersionId":"10","model":"ner","prediction":[{"token":"deepseek","tag":"ORG","prob":0.9515828490257263,"geo_cat":""},{"token":"ai","tag":"ORG","prob":0.9686456322669983,"geo_cat":""},{"token":"ai","tag":"ORG","prob":0.9700080156326294,"geo_cat":""},{"token":"bulletin atomic scientists","tag":"ORG","prob":0.9728126287460327,"geo_cat":""},{"token":"reliaquest","tag":"ORG","prob":0.9884676337242126,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9893858432769775,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9899427890777588,"geo_cat":""},{"token":"boston consulting group","tag":"ORG","prob":0.9912932515144348,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9919406771659851,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9922927618026733,"geo_cat":""},{"token":"tech","tag":"ORG","prob":0.9942031502723694,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9952402114868164,"geo_cat":""},{"token":"boston consulting group","tag":"ORG","prob":0.9952696760495504,"geo_cat":""},{"token":"bcg","tag":"ORG","prob":0.9956621527671814,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.9964415431022644,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9967547059059143,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9972407817840576,"geo_cat":""},{"token":"high flyer capital management","tag":"ORG","prob":0.998174766699473,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9991710186004639,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9992039799690247,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9992057681083679,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9992585778236389,"geo_cat":""},{"token":"bloomberg","tag":"ORG","prob":0.9992697834968567,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.99932861328125,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9994149208068848,"geo_cat":""},{"token":"kela","tag":"ORG","prob":0.9994669556617737,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9995790123939514,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.9995878338813782,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.999692440032959,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998021721839905,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998629093170166,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998857975006104,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9999232292175293,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9999253749847412,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.999954342842102,"geo_cat":""},{"token":"bcg","tag":"ORG","prob":0.9999957084655762,"geo_cat":""},{"token":"","tag":"LOC","prob":0.985637366771698,"geo_cat":"other"},{"token":"silicon valley","tag":"LOC","prob":0.9958702921867371,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.99920254945755,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9992532134056091,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9994655251502991,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9996519088745117,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9997844099998474,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9998774528503418,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9999271631240845,"geo_cat":"other"},{"token":"china","tag":"LOC","prob":0.9999511241912842,"geo_cat":"other"},{"token":"hangzhou","tag":"LOC","prob":0.9999698400497437,"geo_cat":"other"},{"token":"china","tag":"LOC","prob":0.9999940395355225,"geo_cat":"other"},{"token":"liang wenfeng","tag":"PER","prob":0.9744141697883606,"geo_cat":""},{"token":"vladimir lukic","tag":"PER","prob":0.9846581220626831,"geo_cat":""},{"token":"forbes giocomo tognini","tag":"PER","prob":0.9892542560895284,"geo_cat":""},{"token":"irene fuentes mcdonnell","tag":"PER","prob":0.9946661591529846,"geo_cat":""},{"token":"amy hood","tag":"PER","prob":0.9988057613372803,"geo_cat":""},{"token":"trump","tag":"PER","prob":0.9991403818130493,"geo_cat":""},{"token":"phoebe liu","tag":"PER","prob":0.9992295503616333,"geo_cat":""},{"token":"satya nadella","tag":"PER","prob":0.9995508193969727,"geo_cat":""},{"token":"brewster","tag":"PER","prob":0.9996261596679688,"geo_cat":""},{"token":"vladimir lukic","tag":"PER","prob":0.9996317327022552,"geo_cat":""},{"token":"joe biden","tag":"PER","prob":0.9997040629386902,"geo_cat":""},{"token":"marc andreessen","tag":"PER","prob":0.9997385740280151,"geo_cat":""},{"token":"richard nieva","tag":"PER","prob":0.9998270869255066,"geo_cat":""},{"token":"gates","tag":"PER","prob":0.99982950091362,"geo_cat":""},{"token":"donald trump","tag":"PER","prob":0.9998295307159424,"geo_cat":""},{"token":"nadella","tag":"PER","prob":0.9998347759246826,"geo_cat":""},{"token":"mark zuckerberg","tag":"PER","prob":0.9999057054519653,"geo_cat":""},{"token":"donald trump","tag":"PER","prob":0.9999136924743652,"geo_cat":""},{"token":"liang wenfeng","tag":"PER","prob":0.999915361404419,"geo_cat":""}]},"ad-revenue":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"ad-revenue","modelVersionId":"7","model":"ar","prediction":[{"predicted_probability":0.35170135,"predicted_category":1}]}},"ai":{},"articleId":"content_679bbfa1f86da4499e349670","author":"Megan Poinski","bertieBadges":[{"id":"5bc8ab65eb054792a8f76b0f","slug":"editors-pick","displayName":"Editors' Pick","status":"active","priority":8888,"streamUrl":"https://www.forbes.com/editors-picks","display":true},{"id":"5ffcd1538ecd890006de3d02","slug":"no-paywall","displayName":"No Paywall","status":"active","priority":20,"streamUrl":""},{"id":"628fa74b2425ca0001b37f58","slug":"newsletter","displayName":"Newsletter","status":"active","priority":10,"streamUrl":"","display":true}],"bertieColor":"#003891","articleBackgroundColor":"#FFFFFF","blogId":"52275","blogName":"CIO","blogType":"individual","channelSection":[{"channelId":"channel_11"}],"channelSectionMappings":[{"id":"channel_11","channelName":"Newsletters","sectionName":"Newsletters","url":"/newsletters-old","specialSlot":"","dsfChannelName":"","dsfSectionName":"","sponsored":false,"videoSpecialSlot":"","showAds":false,"showLicenseOptions":false,"showSpreadsheetButton":false,"enableComments":false,"showQotd":false}],"contentPaywall":"publication","contentSource":"","coreBrand":"","coreUnit":{},"description":"Also in the Forbes CIO newsletter: DeepSeek throws a grenade into the AI space, AI looms large in Microsoft And Meta earnings, AI moves Doomsday Clock closer to midnight.","disableStream":false,"displayChannel":"","displaySection":"","enableSigfile":false,"entitySegments":["stocks","apple","creditcards","investing","ai","protest","cybersecurity","techbrands","meta"],"googleKeywords":[],"guestContributor":{},"hashtags":[],"image":"https://specials-images.forbesimg.com/imageserve/679bc0f349c1dcbdef47556f/960x0.jpg?cropX1=0\u0026cropX2=3303\u0026cropY1=202\u0026cropY2=2061","images":{},"inflatedEmbedStyles":"@font-face{font-family: \"Schnyder\"; src: url(\"https://i.forbesimg.com/assets/fonts/schnyders/schnyders-bold-webfont.woff2\") format(\"woff2\"), url(\"https://i.forbesimg.com/assets/fonts/schnyders/schnyders/schnyders-bold-webfont.woff\") format(\"woff\"); font-weight: 700; font-style: normal;} @font-face{font-family: \"Merriweather\"; src: url(\"https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2\") format(\"woff2\"), url(\"https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff\") format(\"woff\"); font-weight: 700; font-style: normal;} @font-face{font-family: \"Euclid\"; src: url(\"https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-bold-webfont.woff2\") format(\"woff2\"), url(\"https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-bold-webfont.woff\") format(\"woff\"); font-weight: 700; font-style: normal;} @font-face{font-family: \"Schnyder\"; src: url(\"https://i.forbesimg.com/assets/fonts/schnyders/schnyders-light-webfont.woff2\") format(\"woff2\"), url(\"https://i.forbesimg.com/assets/fonts/schnyders/schnyders-light-webfont.woff\") format(\"woff\"); font-weight: 400; font-style: normal;} @font-face{font-family: \"Merriweather\"; src: url(\"https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2\") format(\"woff2\"), url(\"https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff\") format(\"woff\"); font-weight: 400; font-style: normal;} @font-face{font-family: \"Euclid\"; src: url(\"https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-regular-webfont.woff2\") format(\"woff2\"), url(\"https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-regular-webfont.woff\") format(\"woff\"); font-weight: 400; font-style: normal;} #article-stream-0 .color-accent{color: #000000;} #article-stream-0 .bg-accent{background-color: #000000;} #article-stream-0 .article-body blockquote:not(.quote-embed){color: #000000;} #article-stream-0 .article-body blockquote:before{background: #000000;} #article-stream-0 .color-base{color: #FFFFFF;} #article-stream-0 .bg-base{background-color: #FFFFFF;} #article-stream-0 .article-body .finds-embed button{color: #FFFFFF;} #article-stream-0 .color-body{color: #333333;} #article-stream-0 .color-body-border{border-top-color: rgba(51,51,51, 0.8);border-bottom-color: rgba(51,51,51, 0.8);} .bg-body{background-color: #333333;} #article-stream-0 .color-link{color: #003891;} #article-stream-0 .{background-color: #003891;} #article-stream-0 .article-body .finds-embed{background: #003891;} #article-stream-0 .font-accent{font-family: Schnyder,\"Noto Sans\",\"Droid Sans\",\"Helvetica Neue\",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .article-body blockquote:not(.quote-embed){font-family: Schnyder,\"Noto Sans\",\"Droid Sans\",\"Helvetica Neue\",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .font-base{font-family: \"Merriweather\",serif;} #article-stream-0 .font-body{font-family: Georgia,Cambria,\"Times New Roman\",Times,serif;} #article-stream-0 .headline-embed.color-accent, #article-stream-0 .headline-embed .color-accent{color: #000000;} #article-stream-0 .headline-embed.bg-accent, #article-stream-0 .headline-embed .bg-accent{background-color: #000000;} #article-stream-0 .headline-embed.color-base, #article-stream-0 .headline-embed .color-base{color: #FFFFFF;} #article-stream-0 .headline-embed.bg-base, #article-stream-0 .headline-embed .bg-base{background-color: #FFFFFF;} #article-stream-0 .headline-embed.font-base, #article-stream-0 .headline-embed .font-base{font-family: Schnyder,\"Noto Sans\",\"Droid Sans\",\"Helvetica Neue\",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .headline-embed.font-size, #article-stream-0 .headline-embed .font-size{font-size: 54px;} #article-stream-0 .quote-embed.color-accent, #article-stream-0 .quote-embed .color-accent{color: #FFFFFF;} #article-stream-0 .quote-embed.bg-accent, #article-stream-0 .quote-embed .bg-accent{background-color: #FFFFFF;} #article-stream-0 .quote-embed.color-base, #article-stream-0 .quote-embed .color-base{color: #000000;} #article-stream-0 .quote-embed.bg-base, #article-stream-0 .quote-embed .bg-base{background-color: #000000;} #article-stream-0 .quote-embed.font-accent, #article-stream-0 .quote-embed .font-accent{font-family: Schnyder,\"Noto Sans\",\"Droid Sans\",\"Helvetica Neue\",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .quote-embed.font-size p, #article-stream-0 .quote-embed .font-size p{font-size: 36px;} #article-stream-0 .subhead-embed.color-accent, #article-stream-0 .subhead-embed .color-accent{color: #333333;} #article-stream-0 .subhead-embed.bg-accent, #article-stream-0 .subhead-embed .bg-accent{background-color: #333333;} #article-stream-0 .subhead-embed.font-accent, #article-stream-0 .subhead-embed .font-accent{font-family: Euclid,\"Noto Sans\",\"Droid Sans\",\"Helvetica Neue\",Corbel,Helvetica,Arial,sans-serif;} #article-stream-0 .subhead-embed.font-size, #article-stream-0 .subhead-embed .font-size{font-size: 26px;} #article-stream-0 .subhead3-embed.color-body, #article-stream-0 .subhead3-embed .color-body{color: #333333;} #article-stream-0 .subhead3-embed.color-body-border{border-top-color: rgba(51,51,51, 0.8);border-bottom-color: rgba(51,51,51, 0.8);} .bg-body, #article-stream-0 .subhead3-embed .color-body-border{border-top-color: rgba(51,51,51, 0.8);border-bottom-color: rgba(51,51,51, 0.8);} .bg-body{background-color: #333333;} #article-stream-0 .subhead3-embed.font-accent, #article-stream-0 .subhead3-embed .font-accent{font-family: Euclid,\"Noto Sans\",\"Droid Sans\",\"Helvetica Neue\",Corbel,Helvetica,Arial,sans-serif;}","legalDisclaimer":"","liveSchema":"","loadCerosScript":false,"metaEmbeds":{"thumbnail":{"id":590,"type":"image","data":{"source":"getty","html":"","type":"custom","guid":"679bc0f349c1dcbdef47556f","caption":"","credit":"getty","width":3303,"height":2642,"cropWidth":960,"cropHeight":0,"cropX1":0,"cropX2":3303,"cropY1":202,"cropY2":2061,"cropRatioName":"16:9","hasTransparency":false,"alignment":"","imageType":"image/jpeg","altText":"Coins on a laptop computer with a robotic hand.","aspectRatio":56.28216772630942,"sourceId":"656294259","author":"7237916","newTabLink":false,"adsDisabled":false,"autoplay":false,"floatingEnabled":false,"pauseAd":false,"secretAutoplay":false,"muted":false,"live":false}}},"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","newsKeywords":["AI","BCG","Vladimir Lukic","DeepSeek","Microsoft","Meta","Doomsday Clock","China","panic","generative AI"],"numberOfImages":3,"primaryChannel":{"id":"channel_11","channelId":"channel_11","channelName":"Newsletters","url":"/newsletters-old","showAds":false,"showLicenseOptions":false,"showSpreadsheetButton":false,"enableComments":false,"hexValue":"#887411","secondaryHexValue":"#e1d599","showQotd":false},"primaryChannelId":"channel_11","primarySectionId":"","pTagCount":44,"relativeVideos":[],"seoHeadline":"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet","showNoVestPocket":false,"siteSlug":"cio","source":"forbespress","sponsored":{},"storyPackage":{"description":""},"subBlogs":[],"subType":"","swimlane":"","tableOfContents":[],"targeting":"{}","deck":"Plus: DeepSeek Throws A Grenade Into The AI Space, AI Looms Large In Microsoft And Meta Earnings, AI Moves Doomsday Clock Closer To Midnight","title":"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet","topicIds":["3","3.3","3.3.31","26","26.1","26.3","26.3.3"],"topics":"business-and-finance,industries,technology-industry,technology-computing,artificial-intelligence,computing,computer-software-and-applications","trendingChannel":"Newsletters","trendingHashtags":[],"tweetQuotes":[],"type":"blog","uri":"https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/","videoLocation":"","categoryId":"","version":13,"authorGroup":{"primaryAuthor":{"naturalId":"blogAuthorId/blog/author/7237916","allowEmail":false,"authorType":"individual","avatars":[{"size":136,"image":"https://specials-images.forbesimg.com/imageserve/651c8238547d78743adbca4a/136x0.jpg?cropX1=0\u0026cropX2=854\u0026cropY1=98\u0026cropY2=951"},{"size":40,"image":"https://specials-images.forbesimg.com/imageserve/651c8238547d78743adbca4a/40x0.jpg?cropX1=0\u0026cropX2=854\u0026cropY1=98\u0026cropY2=951"},{"size":400,"image":"https://specials-images.forbesimg.com/imageserve/651c8238547d78743adbca4a/400x0.jpg?cropX1=0\u0026cropX2=854\u0026cropY1=98\u0026cropY2=951"},{"size":62,"image":"https://specials-images.forbesimg.com/imageserve/651c8238547d78743adbca4a/62x0.jpg?cropX1=0\u0026cropX2=854\u0026cropY1=98\u0026cropY2=951"}],"blogName":"Megan Poinski","description":"\u003cp\u003eI'm a staff writer at Forbes writing the C-Suite newsletters. Previously, I was a reporter at Industry Dive covering CPG food and beverage and technology in the space. I have also worked as a homepage editor at The Washington Post, and was a reporter at The Virgin Islands Daily News.\u0026nbsp;\u003c/p\u003e","metaDescription":"I'm a staff writer at Forbes writing the C-Suite newsletters. Previously, I was a reporter at Industry Dive covering CPG food and beverage and technology in the space. I have also worked as a homepage editor at The Washington Post, and was a reporter at The Virgin Islands Daily News.","name":"Megan Poinski","primaryBlogNaturalId":"blogAuthorId/blog/author/blog-52212","primaryChannel":{"id":"channel_6","channelId":"channel_6","channelName":"Leadership","url":"/leadership","showAds":false,"showLicenseOptions":false,"showSpreadsheetButton":false,"enableComments":false,"hexValue":"#887411","secondaryHexValue":"#e1d599","showQotd":false},"primaryChannelId":"channel_6","primarySectionId":"","profileUrl":"/sites/meganpoinski/","slug":"meganpoinski","timestamp":1697735349467,"type":"Forbes Staff","url":"https://www.forbes.com/sites/meganpoinski/","disabled":false,"division":"FC","shortBio":"I'm the writer for the Forbes C-Suite newsletter series.","mediumAvatar":"https://specials-images.forbesimg.com/imageserve/651c8238547d78743adbca4a/62x0.jpg?cropX1=0\u0026cropX2=854\u0026cropY1=98\u0026cropY2=951","largestAvatar":"https://specials-images.forbesimg.com/imageserve/651c8238547d78743adbca4a/400x0.jpg?cropX1=0\u0026cropX2=854\u0026cropY1=98\u0026cropY2=951","followRss":"https://www.forbes.com/sites/meganpoinski/feed/","displayType":"Forbes Staff","chanSecColor":"#887411","showAuthorTypeDisclaimer":false,"forbesStaffTitle":""},"publication":{"naturalId":"blogAuthorId/blog/author/blog-52275","allowEmail":false,"authorType":"individual","avatars":[{"size":136,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/136x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":40,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/40x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":400,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":62,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"}],"contributorSince":1702414959237,"name":"CIO","primaryChannel":{"id":"channel_11","channelId":"channel_11","channelName":"Newsletters","url":"/newsletters-old","showAds":false,"showLicenseOptions":false,"showSpreadsheetButton":false,"enableComments":false,"hexValue":"#887411","secondaryHexValue":"#e1d599","showQotd":false},"primaryChannelId":"channel_11","primarySectionId":"","slug":"cio","timestamp":1702491238351,"type":"Individual Contributor","url":"https://www.forbes.com/sites/cio/","contentPaywall":"free","previousPublicationData":{"allowEmail":false},"primaryContributor":"blogAuthorId/blog/author/7238571","primaryContributorData":{"id":"6578ca5a78fb1e4245884884","naturalId":"blogAuthorId/blog/author/7238571","allowEmail":false,"authorType":"individual","avatars":[{"size":136,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/136x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":40,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/40x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":400,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":62,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"}],"blogName":"CIO","description":"\u003cp\u003eEssential trends and news in the critical area of enterprise tech and digital transformation, from AI and cybersecurity to startups and innovation.\u0026nbsp;\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.forbes.com/newsletter/cio\"\u003e\u003cu\u003eSign up here\u003c/u\u003e\u003c/a\u003e.\u003c/p\u003e","name":"CIO","primaryBlogNaturalId":"blogAuthorId/blog/author/blog-52275","primaryChannelId":"channel_11","primarySectionId":"","profileUrl":"/sites/cio/","slug":"cio","timestamp":1702491497238,"type":"Forbes Staff","url":"https://www.forbes.com/sites/cio","disabled":false,"division":"FC"},"mediumAvatar":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068","largestAvatar":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068","displayType":"Individual Contributor","chanSecColor":"#887411","showAuthorTypeDisclaimer":false},"coAuthors":[{"naturalId":"blogAuthorId/blog/author/7238571","allowEmail":false,"authorType":"individual","avatars":[{"size":136,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/136x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":40,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/40x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":400,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":62,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"}],"blogName":"CIO","description":"\u003cp\u003eEssential trends and news in the critical area of enterprise tech and digital transformation, from AI and cybersecurity to startups and innovation.\u0026nbsp;\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.forbes.com/newsletter/cio\" class=\"color-link\"\u003e\u003cu\u003eSign up here\u003c/u\u003e\u003c/a\u003e.\u003c/p\u003e","metaDescription":"Essential trends and news in the critical area of enterprise tech and digital transformation, from AI and cybersecurity to startups and innovation. Sign up here.","name":"CIO","primaryBlogNaturalId":"blogAuthorId/blog/author/blog-52275","primaryChannel":{"id":"channel_11","channelId":"channel_11","channelName":"Newsletters","url":"/newsletters-old","showAds":false,"showLicenseOptions":false,"showSpreadsheetButton":false,"enableComments":false,"hexValue":"#887411","secondaryHexValue":"#e1d599","showQotd":false},"primaryChannelId":"channel_11","primarySectionId":"","profileUrl":"/sites/cio/","slug":"cio","timestamp":1702491497238,"type":"Forbes Staff","url":"https://www.forbes.com/sites/cio/","disabled":false,"division":"FC","mediumAvatar":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068","largestAvatar":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068","followRss":"https://www.forbes.com/sites/cio/feed/","displayType":"Forbes Staff","chanSecColor":"#887411","showAuthorTypeDisclaimer":false,"forbesStaffTitle":""}],"editedBy":{},"paidContent":{}},"publicationStaticPages":[],"isCoAuthor":1,"coAuthor":[{"naturalId":"blogAuthorId/blog/author/7238571","allowEmail":false,"authorType":"individual","avatars":[{"size":136,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/136x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":40,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/40x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":400,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":62,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"}],"blogName":"CIO","description":"\u003cp\u003eEssential trends and news in the critical area of enterprise tech and digital transformation, from AI and cybersecurity to startups and innovation.\u0026nbsp;\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.forbes.com/newsletter/cio\" class=\"color-link\"\u003e\u003cu\u003eSign up here\u003c/u\u003e\u003c/a\u003e.\u003c/p\u003e","metaDescription":"Essential trends and news in the critical area of enterprise tech and digital transformation, from AI and cybersecurity to startups and innovation. Sign up here.","name":"CIO","primaryBlogNaturalId":"blogAuthorId/blog/author/blog-52275","primaryChannel":{"id":"channel_11","channelId":"channel_11","channelName":"Newsletters","url":"/newsletters-old","showAds":false,"showLicenseOptions":false,"showSpreadsheetButton":false,"enableComments":false,"hexValue":"#887411","secondaryHexValue":"#e1d599","showQotd":false},"primaryChannelId":"channel_11","primarySectionId":"","profileUrl":"/sites/cio/","slug":"cio","timestamp":1702491497238,"type":"Forbes Staff","url":"https://www.forbes.com/sites/cio/","disabled":false,"division":"FC","mediumAvatar":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068","largestAvatar":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068","followRss":"https://www.forbes.com/sites/cio/feed/","displayType":"Forbes Staff","chanSecColor":"#887411","showAuthorTypeDisclaimer":false,"forbesStaffTitle":""}],"publication":{"naturalId":"blogAuthorId/blog/author/blog-52275","allowEmail":false,"authorType":"individual","avatars":[{"size":136,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/136x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":40,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/40x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":400,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":62,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"}],"contributorSince":1702414959237,"name":"CIO","primaryChannel":{"id":"channel_11","channelId":"channel_11","channelName":"Newsletters","url":"/newsletters-old","showAds":false,"showLicenseOptions":false,"showSpreadsheetButton":false,"enableComments":false,"hexValue":"#887411","secondaryHexValue":"#e1d599","showQotd":false},"primaryChannelId":"channel_11","primarySectionId":"","slug":"cio","timestamp":1702491238351,"type":"Individual Contributor","url":"https://www.forbes.com/sites/cio/","contentPaywall":"free","previousPublicationData":{"allowEmail":false},"primaryContributor":"blogAuthorId/blog/author/7238571","primaryContributorData":{"id":"6578ca5a78fb1e4245884884","naturalId":"blogAuthorId/blog/author/7238571","allowEmail":false,"authorType":"individual","avatars":[{"size":136,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/136x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":40,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/40x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":400,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"},{"size":62,"image":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068"}],"blogName":"CIO","description":"\u003cp\u003eEssential trends and news in the critical area of enterprise tech and digital transformation, from AI and cybersecurity to startups and innovation.\u0026nbsp;\u003ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.forbes.com/newsletter/cio\"\u003e\u003cu\u003eSign up here\u003c/u\u003e\u003c/a\u003e.\u003c/p\u003e","name":"CIO","primaryBlogNaturalId":"blogAuthorId/blog/author/blog-52275","primaryChannelId":"channel_11","primarySectionId":"","profileUrl":"/sites/cio/","slug":"cio","timestamp":1702491497238,"type":"Forbes Staff","url":"https://www.forbes.com/sites/cio","disabled":false,"division":"FC"},"mediumAvatar":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/62x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068","largestAvatar":"https://specials-images.forbesimg.com/imageserve/6579f517f4e9ca3e03eb6a45/400x0.jpg?cropX1=125\u0026cropX2=1192\u0026cropY1=0\u0026cropY2=1068","displayType":"Individual Contributor","chanSecColor":"#887411","showAuthorTypeDisclaimer":false},"isSingleAuthor":false,"authorsList":[{"name":"Megan Poinski","type":", Forbes Staff ","link":"https://www.forbes.com/sites/meganpoinski/","slug":"meganpoinski","naturalId":"blogAuthorId/blog/author/7237916"},{"name":"CIO","type":", Forbes Staff. ","link":"https://www.forbes.com/sites/cio/","slug":"cio","naturalId":"blogAuthorId/blog/author/7238571"}],"adExperience":"regular","adInventory":"7175","editorialSlot":"","specialSlot":"","ampCid":"8CU66O230","bertieBadge":{"id":"5bc8ab65eb054792a8f76b0f","slug":"editors-pick","displayName":"Editors' Pick","status":"active","priority":8888,"streamUrl":"https://www.forbes.com/editors-picks","display":true},"bertieBadgeSlugs":"editors-pick,no-paywall,newsletter","coverStory":false,"editorsPick":true,"numericDate":1738260894849,"date":"2025-01-30T18:14:54.849Z","displayTimestamp":{"monthDayYear":"Jan 30, 2025","hourMinute":"01:14","amPm":"pm","isEDT":false,"unformattedDate":"2025-01-30T18:14:54.849Z"},"timestamp":"2025-01-30T19:17:55.709Z","updatedTimestamp":null,"animatedBody":false,"formatVariant":{"animatedBody":false,"badge":"visible","channelSection":"visible","hasMetricToggles":true,"headline":"no-hero","headlineAlignment":"left","headlineBackgroundColorClasses":"bg-accent color-base","headlinePositionClasses":"premium-header headline-embed color-accent hero-format-no-hero hero-position-no-hero hero-alignment--left","headlineTextColorClass":"color-base","isContribVisible":true,"isHeroPortrait":false,"isPremiumVideo":false,"isSocialShareIconsVisible":true,"isTimestampVisible":true,"isViewsVisible":true,"mobileHeadlineContainerClasses":"bg-accent color-base hero-alignment--left headline-embed"},"embedStyles":{"colorAccent":"#000000","colorBase":"#FFFFFF","colorBody":"#333333","colorLink":"#003891","fontAccent":"Schnyder","fontBase":"Merriweather","fontBody":"Georgia","headlineEmbed":{"colorAccent":"#000000","colorBase":"#FFFFFF","colorBody":"","colorLink":"","fontAccent":"","fontBase":"Schnyder","fontBody":""}},"heroMedia":{"metaEmbeds":false,"type":"image","altText":"","caption":"","isLongCaption":false,"shortenedCaption":"","expandedCaption":"","credit":"","cropRatioName":"","height":0,"imgSrc":"https://imageio.forbes.com/specials-images/imageserve/679bc0f349c1dcbdef47556f/0x0.jpg?format=jpg\u0026crop=3303,1859,x0,y202,safe","width":0,"showHeroMediaCredit":false,"heroRatio":null,"premiumHeroContainerClasses":"no-hero","premiumMediaContainerClasses":"no-hero"},"pinnedEmbed":{},"showDisqus":false,"showMoreFromBlock":false,"callHeroAd":true,"articleBodyClasses":"fs-article fs-premium fs-responsive-text current-article font-body color-body bg-base font-accent article-subtype__masthead","bertieEditLink":"https://bertie.forbes.com/#/compose?id=679bbfa1f86da4499e349670","bvProgramType":"","chanSecColor":"#887411","isResourcePage":false,"elderly":0,"forbesFindsData":{"isForbesFinds":false,"contribName":"","customDisclaimer":""},"isAdLight":false,"isPaidUser":false,"isAffiliated":false,"isGroupBlog":false,"isLegacy":false,"isPaidContent":false,"isSponsored":true,"isNewsletter":false,"isJENewsletter":false,"isInvestingNewsletter":false,"isFinNewsletterArticle":false,"isStreamDisabled":false,"magazine":null,"metrics":{"showArticleMetrics":true,"badge":{"id":"5bc8ab65eb054792a8f76b0f","slug":"editors-pick","displayName":"Editors' Pick","status":"active","priority":8888,"streamUrl":"https://www.forbes.com/editors-picks","display":true},"containerClasses":"light-text color-base","showTimestamp":true,"watchLabel":null},"negativeSentimentCompanies":"","preview":"Also in the Forbes CIO newsletter: DeepSeek throws a grenade into the AI space, AI looms large in Microsoft And Meta earnings, AI moves Doomsday Clock closer to midnight.","progressiveAds":false,"publicationId":"blogAuthorId/blog/author/blog-52275","relativeVideo":null,"retracted":false,"sentimentCompanies":null,"sentimentScore":"negative","showBVDisclaimer":false,"showContribBlock":true,"showFollowAuthor":true,"showNtvArticleAd":true,"isSignatureVisible":true,"sigfile":null,"social":{"facebook":"https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F","twitter":"https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F\u0026text=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet%20via%20%40forbes","linkedin":"https://www.linkedin.com/shareArticle?mini=true\u0026url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F\u0026title=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet\u0026summary=Also%20in%20the%20Forbes%20CIO%20newsletter%3A%20DeepSeek%20throws%20a%20grenade%20into%20the%20AI%20space%2C%20AI%20looms%20large%20in%20Microsoft%20And%20Meta%20earnings%2C%20AI%20moves%20Doomsday%20Clock%20closer%20to%20midnight."},"pdfDownloadLink":"","isTopXAd":false,"embedData":[{"id":315,"type":"rule","data":{"borderStyle":"","borderWeight":"","newTabLink":false,"adsDisabled":false,"autoplay":false,"floatingEnabled":false,"pauseAd":false,"secretAutoplay":false,"muted":false,"live":false},"inflatedHTML":"\u003chr class=\"embed-base rule-embed color-accent border-solid weight-light\"/\u003e","position":"middle"},{"id":1,"type":"ad","data":{"adPosition":"top","mobileAdPosition":"mobilerec","adNumber":0,"newTabLink":false,"adsDisabled":false,"autoplay":false,"floatingEnabled":false,"pauseAd":false,"secretAutoplay":false,"muted":false,"live":false},"inflatedHTML":"\u003cdiv\u003e\u003cdiv\u003e\u003cimg src=\"data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\"/\u003e\u003cspan class=\"ad-placeholder\"\u003ePlaceholder Advertisement\u003c/span\u003e\u003c/div\u003e\u003c/div\u003e","position":"middle"},{"id":585,"type":"image","data":{"source":"getty","html":"The Microsoft Experience Center in New York City.","guid":"679bb5c29b0d432b6e01252a","caption":"The Microsoft Experience Center in New York City.","credit":"Michael M. Santiago/Getty Images","width":4329,"height":2886,"cropWidth":960,"cropHeight":0,"cropX1":0,"cropX2":4329,"cropY1":223,"cropY2":2658,"cropRatioName":"16:9","hasTransparency":false,"alignment":"","imageType":"image/jpeg","altText":"Looking up at the Microsoft logo on a glass and reflective building facade","aspectRatio":56.24855624855625,"sourceId":"2136341675","author":"7237916","newTabLink":false,"adsDisabled":false,"autoplay":false,"floatingEnabled":false,"pauseAd":false,"secretAutoplay":false,"muted":false,"live":false},"inflatedHTML":"\u003cfigure class=\"embed-base image-embed embed-585\" role=\"presentation\"\u003e\u003cdiv\u003e\u003cimg src=\"https://specials-images.forbesimg.com/imageserve/679bb5c29b0d432b6e01252a/Looking-up-at-the-Microsoft-logo-on-a-glass-and-reflective-building-facade/960x0.jpg?cropX1=0\u0026amp;cropX2=4329\u0026amp;cropY1=223\u0026amp;cropY2=2658\" alt=\"Looking up at the Microsoft logo on a glass and reflective building facade\" data-height=\"2886\" data-width=\"4329\"/\u003e\u003c/div\u003e\u003cfigcaption\u003e\u003cfbs-accordion\u003e\u003cp class=\"color-body light-text\"\u003eThe Microsoft Experience Center in New York City.\u003c/p\u003e\u003c/fbs-accordion\u003e\u003csmall class=\"color-body light-text\"\u003eMichael M. Santiago/Getty Images\u003c/small\u003e\u003c/figcaption\u003e\u003c/figure\u003e","position":"middle"},{"id":586,"type":"image","data":{"source":"getty","html":"","guid":"679bb6d97d31b90c8a8a870a","caption":"","credit":"getty","width":4758,"height":3175,"cropWidth":960,"cropHeight":0,"cropX1":0,"cropX2":4758,"cropY1":262,"cropY2":2938,"cropRatioName":"16:9","hasTransparency":false,"alignment":"","imageType":"image/jpeg","imageHref":"https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/","altText":"Simple analog wall clock on white background.","aspectRatio":56.242118537200504,"sourceId":"1439682573","author":"7237916","newTabLink":false,"adsDisabled":false,"autoplay":false,"floatingEnabled":false,"pauseAd":false,"secretAutoplay":false,"muted":false,"live":false},"inflatedHTML":"\u003cfigure class=\"embed-base image-embed embed-586\" role=\"presentation\"\u003e\u003cdiv\u003e\u003ca class=\"image-embed-link color-link\" href=\"https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/\" target=\"_self\" rel=\"nofollow noopener noreferrer\" aria-label=\"FORBES.com\"\u003e\u003cimg src=\"https://specials-images.forbesimg.com/imageserve/679bb6d97d31b90c8a8a870a/Simple-analog-wall-clock-on-white-background-/960x0.jpg?cropX1=0\u0026amp;cropX2=4758\u0026amp;cropY1=262\u0026amp;cropY2=2938\" alt=\"Simple analog wall clock on white background.\" data-height=\"3175\" data-width=\"4758\"/\u003e\u003c/a\u003e\u003c/div\u003e\u003cfigcaption\u003e\u003cp class=\"color-body light-text\"\u003e\u003csmall\u003egetty\u003c/small\u003e\u003c/p\u003e\u003c/figcaption\u003e\u003c/figure\u003e","position":"middle"},{"id":588,"type":"image","data":{"source":"dam","html":"BCG Global Leader of Tech and Digital Advantage Vladimir Lukic.","guid":"679bb8cb5c17647ce0e3fa17","caption":"BCG Global Leader of Tech and Digital Advantage Vladimir Lukic.","credit":"BCG, Getty","width":4800,"height":2700,"cropRatioName":"custom","hasTransparency":false,"alignment":"","imageType":"image/jpeg","altText":"Collage of headshot of Vladimir Lukic on a white background and a line chart on a blue background being pushed up by a robot hand","aspectRatio":56.25,"author":"7237916","newTabLink":false,"adsDisabled":false,"autoplay":false,"floatingEnabled":false,"pauseAd":false,"secretAutoplay":false,"muted":false,"live":false},"inflatedHTML":"\u003cfigure class=\"embed-base image-embed embed-588\" role=\"presentation\"\u003e\u003cdiv\u003e\u003cimg src=\"https://specials-images.forbesimg.com/imageserve/679bb8cb5c17647ce0e3fa17/Collage-of-headshot-of-Vladimir-Lukic-on-a-white-background-and-a-line-chart-on-a/960x0.jpg?fit=scale\" alt=\"Collage of headshot of Vladimir Lukic on a white background and a line chart on a blue background being pushed up by a robot hand\" data-height=\"2700\" data-width=\"4800\"/\u003e\u003c/div\u003e\u003cfigcaption\u003e\u003cfbs-accordion\u003e\u003cp class=\"color-body light-text\"\u003eBCG Global Leader of Tech and Digital Advantage Vladimir Lukic.\u003c/p\u003e\u003c/fbs-accordion\u003e\u003csmall class=\"color-body light-text\"\u003eBCG, Getty\u003c/small\u003e\u003c/figcaption\u003e\u003c/figure\u003e","position":"middle"}],"encodedURI":"https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F","doNotPromote":"","topStories":false,"isForbesFinds":false,"isPremiumAndNotMasthead":false,"checkTimestamp":false,"checkAllMetrics":false,"emptyArticleMetrics":false,"emptyPremiumBlockDesktop":false,"emptyPremiumBlockMobile":false,"isPremiumBadge":false,"checkPremiumContentPaywall":false,"isToplineOrStandard":false,"showOpenWeb":true,"evergreenStory":false,"evergreenFAQsData":[],"showEvergreenFAQ":false,"evergreenTableOfContents":[{"id":"notable-earnings-0","text":"NOTABLE EARNINGS"},{"id":"artificial-intelligence-1","text":"ARTIFICIAL INTELLIGENCE"},{"id":"bits-+-bytes-2","text":"BITS + BYTES"},{"id":"facts-+-comments-3","text":"FACTS + COMMENTS"},{"id":"strategies-+-advice-4","text":"STRATEGIES + ADVICE"},{"id":"quiz-5","text":"QUIZ"}],"showSaveArticle":true,"isApi":false,"socialMap":{"facebook":{"sharingLink":"https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F","platform":"Facebook"},"twitter":{"sharingLink":"https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F\u0026text=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet%20via%20%40forbes","platform":"Twitter"},"linkedin":{"sharingLink":"https://www.linkedin.com/shareArticle?mini=true\u0026url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F\u0026title=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet\u0026summary=Also%20in%20the%20Forbes%20CIO%20newsletter%3A%20DeepSeek%20throws%20a%20grenade%20into%20the%20AI%20space%2C%20AI%20looms%20large%20in%20Microsoft%20And%20Meta%20earnings%2C%20AI%20moves%20Doomsday%20Clock%20closer%20to%20midnight.","platform":"Linkedin"}},"topOfArticleChecks":{"isBreakingOrNewsletterBadge":false,"isBadgeVisible":true,"isChannelSectionVisible":true,"isNotNoHeadline":true,"isPremiumNotMasthead":false,"isTMS":true,"hasVisiblePremiumBadge":false},"nodeTree":[{"nodeType":1,"nodeName":"H3","nodeValue":null,"id":"","attributes":{"className":"subhead3-embed color-body bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"This is the published version of ","attributes":{},"parsedChildNodes":[],"key":0},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Forbes’","attributes":{},"parsedChildNodes":[],"key":1}],"key":1},{"nodeType":3,"nodeName":"#text","nodeValue":" CIO newsletter, which offers the latest news for chief innovation officers and other technology-focused leaders. ","attributes":{},"parsedChildNodes":[],"key":2},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/newsletter/cio","target":"_self","className":"color-link","title":"https://www.forbes.com/newsletter/cio","data-ga-track":"InternalLink:https://www.forbes.com/newsletter/cio","aria-label":"Click here"},"href":"https://www.forbes.com/newsletter/cio","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Click here","attributes":{},"parsedChildNodes":[],"key":3}],"key":3},{"nodeType":3,"nodeName":"#text","nodeValue":" to get it delivered to your inbox every Thursday.","attributes":{},"parsedChildNodes":[],"key":4}],"key":0},{"nodeType":1,"nodeName":"HR","nodeValue":null,"id":"","attributes":{"className":"embed-base rule-embed color-accent border-solid weight-light"},"parsedChildNodes":[],"key":1},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":2},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"article_paragraph_2"},"parsedChildNodes":[],"key":3},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":4},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"In the last two years, ","attributes":{},"parsedChildNodes":[],"key":5},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"most new developments in generative AI have resulted in applause and admiration","attributes":{},"parsedChildNodes":[],"key":6}],"key":6},{"nodeType":3,"nodeName":"#text","nodeValue":" from the tech-interested community in the U.S. Industry leaders have noted the achievements of others—sometimes rushing to copy them—while investors and pundits generally celebrate the growing ability of the technology as a whole.","attributes":{},"parsedChildNodes":[],"key":7}],"key":5},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":6},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"halfway_hardwall_1"},"parsedChildNodes":[],"key":7},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":8},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"When Chinese AI chatbot DeepSeek appeared last week, the ","attributes":{},"parsedChildNodes":[],"key":9},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"polite admiration from tech leaders was there, but nothing else that was positive","attributes":{},"parsedChildNodes":[],"key":10}],"key":10},{"nodeType":3,"nodeName":"#text","nodeValue":". The apparently self-funded platform that reportedly cost just $5.6 million to train, and which was likely developed ","attributes":{},"parsedChildNodes":[],"key":11},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/ywang/2025/01/27/chinas-deepseek-makes-robust-popular-ai-product-despite-us-curbs/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/ywang/2025/01/27/chinas-deepseek-makes-robust-popular-ai-product-despite-us-curbs/","data-ga-track":"InternalLink:https://www.forbes.com/sites/ywang/2025/01/27/chinas-deepseek-makes-robust-popular-ai-product-despite-us-curbs/","aria-label":"with less powerful chips"},"href":"https://www.forbes.com/sites/ywang/2025/01/27/chinas-deepseek-makes-robust-popular-ai-product-despite-us-curbs/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"with less powerful chips","attributes":{},"parsedChildNodes":[],"key":12}],"key":12},{"nodeType":3,"nodeName":"#text","nodeValue":" than those behind U.S.-based models, made many U.S. tech investors ","attributes":{},"parsedChildNodes":[],"key":13},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/dereksaul/2025/01/29/deepseek-panic-live-updates-nvidia-stock-drops-4-as-trump-reportedly-mulls-china-chip-sale-restrictions/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/dereksaul/2025/01/29/deepseek-panic-live-updates-nvidia-stock-drops-4-as-trump-reportedly-mulls-china-chip-sale-restrictions/","data-ga-track":"InternalLink:https://www.forbes.com/sites/dereksaul/2025/01/29/deepseek-panic-live-updates-nvidia-stock-drops-4-as-trump-reportedly-mulls-china-chip-sale-restrictions/","aria-label":"pause and pull back"},"href":"https://www.forbes.com/sites/dereksaul/2025/01/29/deepseek-panic-live-updates-nvidia-stock-drops-4-as-trump-reportedly-mulls-china-chip-sale-restrictions/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"pause and pull back","attributes":{},"parsedChildNodes":[],"key":14}],"key":14},{"nodeType":3,"nodeName":"#text","nodeValue":", weighing down the stock market as a whole. DeepSeek, which outperformed some OpenAI models, showed the U.S. that a Chinese tech company could become a frontrunner in the race to develop generative AI platforms. Investor and billionaire Marc Andreessen wrote on X that DeepSeek’s model is “AI’s Sputnik moment,” ","attributes":{},"parsedChildNodes":[],"key":15},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/","data-ga-track":"InternalLink:https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/","aria-label":"Forbes’ Rashi Shrivastava and Richard Nieva wrote"},"href":"https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/","parsedChildNodes":[{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{"data-ga-track":"InternalLink:https://www.forbes.com/sites/rashishrivastava/2025/01/28/deepseek-trump-silicon-valley/"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Forbes’","attributes":{},"parsedChildNodes":[],"key":16}],"key":16},{"nodeType":3,"nodeName":"#text","nodeValue":" Rashi Shrivastava and Richard Nieva wrote","attributes":{},"parsedChildNodes":[],"key":17}],"key":16},{"nodeType":3,"nodeName":"#text","nodeValue":". And the speedy, explosive success of DeepSeek quickly catapulted founder Liang Wenfeng to billionaire status, ","attributes":{},"parsedChildNodes":[],"key":17},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/","data-ga-track":"InternalLink:https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/","aria-label":"writes Forbes’ Giocomo Tognini and Phoebe Liu"},"href":"https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"writes ","attributes":{},"parsedChildNodes":[],"key":18},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{"data-ga-track":"InternalLink:https://www.forbes.com/sites/giacomotognini/2025/01/30/heres-how-much-ai-firm-deepseek-and-its-billionaire-founder-liang-wenfeng-are-worth/"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Forbes’ ","attributes":{},"parsedChildNodes":[],"key":19}],"key":19},{"nodeType":3,"nodeName":"#text","nodeValue":"Giocomo Tognini and Phoebe Liu","attributes":{},"parsedChildNodes":[],"key":20}],"key":18},{"nodeType":3,"nodeName":"#text","nodeValue":".","attributes":{},"parsedChildNodes":[],"key":19}],"key":9},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":10},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"halfway_hardwall_2"},"parsedChildNodes":[],"key":11},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":12},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Beyond the financial panic, ","attributes":{},"parsedChildNodes":[],"key":13},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"there are deeper issues for AI technology","attributes":{},"parsedChildNodes":[],"key":14}],"key":14},{"nodeType":3,"nodeName":"#text","nodeValue":". How did a relatively unknown Chinese company get to this point so quickly? Several analysts and experts have ","attributes":{},"parsedChildNodes":[],"key":15},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/antoniopequenoiv/2025/01/27/trump-calls-deepseek-a-positive-development-but-wake-up-call-for-us-industries/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/antoniopequenoiv/2025/01/27/trump-calls-deepseek-a-positive-development-but-wake-up-call-for-us-industries/","data-ga-track":"InternalLink:https://www.forbes.com/sites/antoniopequenoiv/2025/01/27/trump-calls-deepseek-a-positive-development-but-wake-up-call-for-us-industries/","aria-label":"pointed out"},"href":"https://www.forbes.com/sites/antoniopequenoiv/2025/01/27/trump-calls-deepseek-a-positive-development-but-wake-up-call-for-us-industries/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"pointed out","attributes":{},"parsedChildNodes":[],"key":16}],"key":16},{"nodeType":3,"nodeName":"#text","nodeValue":" that DeepSeek didn’t exactly start from nothing, and probably spent a lot more on equipment than they are claiming. Prior to DeepSeek, Liang founded and led quantitative trading hedge fund High-Flyer Capital Management, through which he spent millions amassing Nvidia GPUs to improve that business. President Donald Trump said Monday that DeepSeek was a “positive development” for technology, but is a “wake up call” for the U.S., and he is considering additional restrictions on Nvidia products that can be sold in China, ","attributes":{},"parsedChildNodes":[],"key":17},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.bloomberg.com/news/articles/2025-01-29/trump-officials-discuss-tightening-curbs-on-nvidia-china-sales","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://www.bloomberg.com/news/articles/2025-01-29/trump-officials-discuss-tightening-curbs-on-nvidia-china-sales","data-ga-track":"ExternalLink:https://www.bloomberg.com/news/articles/2025-01-29/trump-officials-discuss-tightening-curbs-on-nvidia-china-sales","aria-label":"Bloomberg reported"},"href":"https://www.bloomberg.com/news/articles/2025-01-29/trump-officials-discuss-tightening-curbs-on-nvidia-china-sales","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Bloomberg reported","attributes":{},"parsedChildNodes":[],"key":18}],"key":18},{"nodeType":3,"nodeName":"#text","nodeValue":". OpenAI and Microsoft are ","attributes":{},"parsedChildNodes":[],"key":19},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/siladityaray/2025/01/29/openai-believes-deepseek-distilled-its-data-for-training-heres-what-to-know-about-the-technique/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/siladityaray/2025/01/29/openai-believes-deepseek-distilled-its-data-for-training-heres-what-to-know-about-the-technique/","data-ga-track":"InternalLink:https://www.forbes.com/sites/siladityaray/2025/01/29/openai-believes-deepseek-distilled-its-data-for-training-heres-what-to-know-about-the-technique/","aria-label":"reportedly investigating"},"href":"https://www.forbes.com/sites/siladityaray/2025/01/29/openai-believes-deepseek-distilled-its-data-for-training-heres-what-to-know-about-the-technique/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"reportedly investigating","attributes":{},"parsedChildNodes":[],"key":20}],"key":20},{"nodeType":3,"nodeName":"#text","nodeValue":" whether DeepSeek’s strong start came from tapping into OpenAI’s data through a process called “distillation”—using outputs from a larger, more experienced AI model to train a smaller one. OpenAI has an API to allow other businesses and platforms to tap into its model, but using it for distillation is prohibited.","attributes":{},"parsedChildNodes":[],"key":21}],"key":13},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":14},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"halfway_hardwall_3"},"parsedChildNodes":[],"key":15},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":16},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"But not only is there the possibility that DeepSeek is potentially improperly using U.S. technology, ","attributes":{},"parsedChildNodes":[],"key":17},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"there are also national security issues","attributes":{},"parsedChildNodes":[],"key":18}],"key":18},{"nodeType":3,"nodeName":"#text","nodeValue":". After all, the U.S. has been clamping down on high-tech exports to China in a move to retain national dominance in AI. There’s also the issue of data. ","attributes":{},"parsedChildNodes":[],"key":19},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/","data-ga-track":"InternalLink:https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/","aria-label":"Forbes’ Thomas Brewster writes"},"href":"https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/","parsedChildNodes":[{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{"data-ga-track":"InternalLink:https://www.forbes.com/sites/thomasbrewster/2025/01/29/its-the-new-tiktok-national-security-concerns-spike-over-chinas-deepseek/"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Forbes’","attributes":{},"parsedChildNodes":[],"key":20}],"key":20},{"nodeType":3,"nodeName":"#text","nodeValue":" Thomas Brewster writes","attributes":{},"parsedChildNodes":[],"key":21}],"key":20},{"nodeType":3,"nodeName":"#text","nodeValue":" that DeepSeek is based in the Chinese city of Hangzhou, and its privacy policy details that user data—including keystroke patterns and IP addresses—is stored on servers there. The problem of Americans’ data stored on Chinese servers—and potentially readily available to the Chinese government—was the impetus behind the TikTok ban-or-sale bill, which is awaiting implementation. Brewster also wrote in this week’s ","attributes":{},"parsedChildNodes":[],"key":21},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/thomasbrewster/2025/01/28/the-wiretap-deepseek-turned-into-evil-malware-maker-researchers-find/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/thomasbrewster/2025/01/28/the-wiretap-deepseek-turned-into-evil-malware-maker-researchers-find/","data-ga-track":"InternalLink:https://www.forbes.com/sites/thomasbrewster/2025/01/28/the-wiretap-deepseek-turned-into-evil-malware-maker-researchers-find/","aria-label":"issue of The Wiretap newsletter"},"href":"https://www.forbes.com/sites/thomasbrewster/2025/01/28/the-wiretap-deepseek-turned-into-evil-malware-maker-researchers-find/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"issue of The Wiretap newsletter","attributes":{},"parsedChildNodes":[],"key":22}],"key":22},{"nodeType":3,"nodeName":"#text","nodeValue":" that researchers from cyber intelligence firm Kela were able to make DeepSeek “turn evil,” easily bypassing its safeguards to make it create malicious code that steals credit card numbers. DeepSeek will also suggest that users buy stolen data and provide tips on money laundering.","attributes":{},"parsedChildNodes":[],"key":23}],"key":17},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":18},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"halfway_hardwall_4"},"parsedChildNodes":[],"key":19},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":20},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"So another gauntlet in the AI space has been thrown by DeepSeek, but ","attributes":{},"parsedChildNodes":[],"key":21},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"many are treating this one like a grenade","attributes":{},"parsedChildNodes":[],"key":22}],"key":22},{"nodeType":3,"nodeName":"#text","nodeValue":". While it does provide something to learn about the cost to develop an AI system, it’s left an unspoken challenge to the U.S. to do better and for less. There’s no doubt Silicon Valley is already working on it.","attributes":{},"parsedChildNodes":[],"key":23}],"key":21},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":22},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"article_paragraph_7"},"parsedChildNodes":[],"key":23},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":24},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Boston Consulting Group ","attributes":{},"parsedChildNodes":[],"key":25},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.bcg.com/publications/2025/closing-the-ai-impact-gap","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://www.bcg.com/publications/2025/closing-the-ai-impact-gap","data-ga-track":"ExternalLink:https://www.bcg.com/publications/2025/closing-the-ai-impact-gap","aria-label":"took a look"},"href":"https://www.bcg.com/publications/2025/closing-the-ai-impact-gap","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"took a look","attributes":{},"parsedChildNodes":[],"key":26}],"key":26},{"nodeType":3,"nodeName":"#text","nodeValue":" at how companies across the globe are using AI, and found that one in three plans to invest at least $25 million in upgrading technology this year. However, ","attributes":{},"parsedChildNodes":[],"key":27},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"only about 25% are already seeing ROI","attributes":{},"parsedChildNodes":[],"key":28}],"key":28},{"nodeType":3,"nodeName":"#text","nodeValue":". I talked to BCG Global Leader of Tech and Digital Advantage Vladimir Lukic about the reasons behind that. An excerpt from our conversation is later in this newsletter.","attributes":{},"parsedChildNodes":[],"key":29}],"key":25},{"nodeType":1,"nodeName":"FBS-AD","nodeValue":null,"id":"","attributes":{"position":"top","progressive":"","ad-id":"article-0-top"},"parsedChildNodes":[],"key":26},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":27},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"NOTABLE EARNINGS","attributes":{},"parsedChildNodes":[],"key":28}],"key":28}],"key":28},{"nodeType":1,"nodeName":"FIGURE","nodeValue":null,"id":"","attributes":{"className":"embed-base image-embed embed-585","role":"presentation"},"parsedChildNodes":[{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"style":{"paddingTop":"56.12%","position":"relative"},"className":"image-embed__placeholder"},"parsedChildNodes":[{"nodeType":1,"nodeName":"PROGRESSIVE-IMAGE","nodeValue":null,"id":"","attributes":{"src":"https://specials-images.forbesimg.com/imageserve/679bb5c29b0d432b6e01252a/Looking-up-at-the-Microsoft-logo-on-a-glass-and-reflective-building-facade/0x0.jpg?cropX1=0\u0026cropX2=4329\u0026cropY1=223\u0026cropY2=2658","alt":"Looking up at the Microsoft logo on a glass and reflective building facade","data-height":"2886","data-width":"4329"},"parsedChildNodes":[],"key":29}],"key":29},{"nodeType":1,"nodeName":"FIGCAPTION","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{"className":"color-body light-text"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"The Microsoft Experience Center in New York City.","attributes":{},"parsedChildNodes":[],"key":30}],"key":30},{"nodeType":1,"nodeName":"SMALL","nodeValue":null,"id":"","attributes":{"className":"color-body light-text"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Michael M. Santiago/Getty Images","attributes":{},"parsedChildNodes":[],"key":31}],"key":31}],"key":30}],"key":29},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":30},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Several Big Tech companies are delivering their first earnings reports of the year, and unsurprisingly, much of their reception with investors is depending on their performance in the AI space. Microsoft, which ","attributes":{},"parsedChildNodes":[],"key":31},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.microsoft.com/en-us/investor/earnings/fy-2025-q2/press-release-webcast","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://www.microsoft.com/en-us/investor/earnings/fy-2025-q2/press-release-webcast","data-ga-track":"ExternalLink:https://www.microsoft.com/en-us/investor/earnings/fy-2025-q2/press-release-webcast","aria-label":"reported its earnings"},"href":"https://www.microsoft.com/en-us/investor/earnings/fy-2025-q2/press-release-webcast","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"reported its earnings","attributes":{},"parsedChildNodes":[],"key":32}],"key":32},{"nodeType":3,"nodeName":"#text","nodeValue":" after markets closed Wednesday, ","attributes":{},"parsedChildNodes":[],"key":33},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"saw growth across the board","attributes":{},"parsedChildNodes":[],"key":34}],"key":34},{"nodeType":3,"nodeName":"#text","nodeValue":", with total revenues of $69.6 billion, a year-over-year increase of 12%. Microsoft’s cloud business pulled in $40.9 billion in revenue, up 21% from last year, but investors balked because that was on the low side of expectations. As trading opened Thursday, Microsoft stock was down more than 5%. CFO Amy Hood and CEO Satya Nadella said on the earnings call that Microsoft’s growth in this area is capacity constrained. Microsoft has committed to spending $80 billion in infrastructure improvements to ease those constraints in 2025 alone, and Hood and Nadella said more growth can be expected in future quarters.","attributes":{},"parsedChildNodes":[],"key":35}],"key":31},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":32},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Meta, which also ","attributes":{},"parsedChildNodes":[],"key":33},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/Meta-12-31-2024-Exhibit-99-1-FINAL.pdf","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/Meta-12-31-2024-Exhibit-99-1-FINAL.pdf","data-ga-track":"ExternalLink:https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/Meta-12-31-2024-Exhibit-99-1-FINAL.pdf","aria-label":"reported earnings"},"href":"https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/Meta-12-31-2024-Exhibit-99-1-FINAL.pdf","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"reported earnings","attributes":{},"parsedChildNodes":[],"key":34}],"key":34},{"nodeType":3,"nodeName":"#text","nodeValue":" after markets closed on Wednesday, posted a 21% year-over-year bump in revenue, and 49% increase in net income. The company reported ","attributes":{},"parsedChildNodes":[],"key":35},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"increases in traffic, advertising revenue and e-commerce","attributes":{},"parsedChildNodes":[],"key":36}],"key":36},{"nodeType":3,"nodeName":"#text","nodeValue":" throughout its social apps, as well as hitting the milestone of ","attributes":{},"parsedChildNodes":[],"key":37},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/META-Q4-2024-Earnings-Call-Transcript.pdf","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/META-Q4-2024-Earnings-Call-Transcript.pdf","data-ga-track":"ExternalLink:https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/META-Q4-2024-Earnings-Call-Transcript.pdf","aria-label":"700 million monthly users"},"href":"https://s21.q4cdn.com/399680738/files/doc_financials/2024/q4/META-Q4-2024-Earnings-Call-Transcript.pdf","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"700 million monthly users","attributes":{},"parsedChildNodes":[],"key":38}],"key":38},{"nodeType":3,"nodeName":"#text","nodeValue":" of its Meta AI platform. Investors reacted positively, as Meta’s stock went up nearly 4% on Thursday morning. Meta CEO Mark Zuckerberg had already announced more developments on the AI front last week, saying the company ","attributes":{},"parsedChildNodes":[],"key":39},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/dereksaul/2025/01/24/meta-will-spend-record-60-billion-on-ai-this-year-zuckerberg-says-after-trump-announces-stargate-deal-with-openai/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/dereksaul/2025/01/24/meta-will-spend-record-60-billion-on-ai-this-year-zuckerberg-says-after-trump-announces-stargate-deal-with-openai/","data-ga-track":"InternalLink:https://www.forbes.com/sites/dereksaul/2025/01/24/meta-will-spend-record-60-billion-on-ai-this-year-zuckerberg-says-after-trump-announces-stargate-deal-with-openai/","aria-label":"plans to invest"},"href":"https://www.forbes.com/sites/dereksaul/2025/01/24/meta-will-spend-record-60-billion-on-ai-this-year-zuckerberg-says-after-trump-announces-stargate-deal-with-openai/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"plans to invest","attributes":{},"parsedChildNodes":[],"key":40}],"key":40},{"nodeType":3,"nodeName":"#text","nodeValue":" between $60 million and $65 million on AI. Reports on Wednesday also indicated ","attributes":{},"parsedChildNodes":[],"key":41},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/antoniopequenoiv/2025/01/29/meta-settles-trumps-lawsuit-will-pay-25-million-to-end-censorship-claims/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/antoniopequenoiv/2025/01/29/meta-settles-trumps-lawsuit-will-pay-25-million-to-end-censorship-claims/","data-ga-track":"InternalLink:https://www.forbes.com/sites/antoniopequenoiv/2025/01/29/meta-settles-trumps-lawsuit-will-pay-25-million-to-end-censorship-claims/","aria-label":"another large forthcoming payment"},"href":"https://www.forbes.com/sites/antoniopequenoiv/2025/01/29/meta-settles-trumps-lawsuit-will-pay-25-million-to-end-censorship-claims/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"another large forthcoming payment","attributes":{},"parsedChildNodes":[],"key":42}],"key":42},{"nodeType":3,"nodeName":"#text","nodeValue":" from Meta: A $25 million settlement to end President Donald Trump’s 2021 lawsuit accusing the social media company of wrongfully censoring him after it suspended his Facebook and Instagram accounts in the wake of the January 6 Capitol insurrection.","attributes":{},"parsedChildNodes":[],"key":43}],"key":33},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":34},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"ARTIFICIAL INTELLIGENCE","attributes":{},"parsedChildNodes":[],"key":35}],"key":35},{"nodeType":1,"nodeName":"FIGURE","nodeValue":null,"id":"","attributes":{"className":"embed-base image-embed embed-586","role":"presentation"},"parsedChildNodes":[{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"className":"image-embed-link color-link image-embed__placeholder","href":"https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/","target":"_self","rel":"nofollow noopener noreferrer","aria-label":"FORBES.com","style":{"paddingTop":"56.12%","position":"relative"},"data-ga-track":"InternalLink:https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/"},"href":"https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/","parsedChildNodes":[{"nodeType":1,"nodeName":"PROGRESSIVE-IMAGE","nodeValue":null,"id":"","attributes":{"src":"https://specials-images.forbesimg.com/imageserve/679bb6d97d31b90c8a8a870a/Simple-analog-wall-clock-on-white-background-/0x0.jpg?cropX1=0\u0026cropX2=4758\u0026cropY1=262\u0026cropY2=2938","alt":"Simple analog wall clock on white background.","data-height":"3175","data-width":"4758","data-ga-track":"InternalLink:https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/"},"parsedChildNodes":[],"key":36}],"key":36}],"key":36},{"nodeType":1,"nodeName":"FIGCAPTION","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{"className":"color-body light-text"},"parsedChildNodes":[{"nodeType":1,"nodeName":"SMALL","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"getty","attributes":{},"parsedChildNodes":[],"key":37}],"key":37}],"key":37}],"key":37}],"key":36},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":37},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"The ","attributes":{},"parsedChildNodes":[],"key":38},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/","data-ga-track":"InternalLink:https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/","aria-label":"“Doomsday Clock,"},"href":"https://www.forbes.com/sites/conormurray/2025/01/28/the-doomsday-clock-ticks-closer-to-global-catastrophe-and-ai-is-now-a-primary-concern/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"“Doomsday Clock,","attributes":{},"parsedChildNodes":[],"key":39}],"key":39},{"nodeType":3,"nodeName":"#text","nodeValue":"” a curated measurement of how close human civilization may be to total collapse, ticked one second closer to midnight, the Bulletin of the Atomic Scientists announced this week. According to this measure, it’s 89 seconds to “midnight,” the closest the world has ever been midnight. ","attributes":{},"parsedChildNodes":[],"key":40},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"One of the new risks that moved the minute hand: AI","attributes":{},"parsedChildNodes":[],"key":41}],"key":41},{"nodeType":3,"nodeName":"#text","nodeValue":". The technology, ","attributes":{},"parsedChildNodes":[],"key":42},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://thebulletin.org/doomsday-clock/2025-statement/disruptive-technologies/","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://thebulletin.org/doomsday-clock/2025-statement/disruptive-technologies/","data-ga-track":"ExternalLink:https://thebulletin.org/doomsday-clock/2025-statement/disruptive-technologies/","aria-label":"the scientists write"},"href":"https://thebulletin.org/doomsday-clock/2025-statement/disruptive-technologies/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"the scientists write","attributes":{},"parsedChildNodes":[],"key":43}],"key":43},{"nodeType":3,"nodeName":"#text","nodeValue":", can be used for harm, both in weapons of war and “processes of information corruption. AI-enabled distortion of the information environment may be an important factor in preventing the world from dealing effectively with urgent major threats like nuclear war, pandemics, and climate change.” The scientists call out former President Joe Biden’s AI executive order as a positive initial step to “seize the promise and manage the risks of AI,” but the order was rescinded on Trump’s first day in office.","attributes":{},"parsedChildNodes":[],"key":44}],"key":38},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":39},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"BITS + BYTES","attributes":{},"parsedChildNodes":[],"key":40}],"key":40},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":41},{"nodeType":1,"nodeName":"H3","nodeValue":null,"id":"","attributes":{"className":"subhead3-embed color-body bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Big Changes, Fear, Silos And Bureaucracy: BCG Details Why ROI On AI Can Be Slow","attributes":{},"parsedChildNodes":[],"key":42}],"key":42}],"key":42},{"nodeType":1,"nodeName":"FIGURE","nodeValue":null,"id":"","attributes":{"className":"embed-base image-embed embed-588","role":"presentation"},"parsedChildNodes":[{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"style":{"paddingTop":"56.12%","position":"relative"},"className":"image-embed__placeholder"},"parsedChildNodes":[{"nodeType":1,"nodeName":"PROGRESSIVE-IMAGE","nodeValue":null,"id":"","attributes":{"src":"https://specials-images.forbesimg.com/imageserve/679bb8cb5c17647ce0e3fa17/Collage-of-headshot-of-Vladimir-Lukic-on-a-white-background-and-a-line-chart-on-a/1960x0.jpg?fit=scale","alt":"Collage of headshot of Vladimir Lukic on a white background and a line chart on a blue background being pushed up by a robot hand","data-height":"2700","data-width":"4800"},"parsedChildNodes":[],"key":43}],"key":43},{"nodeType":1,"nodeName":"FIGCAPTION","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{"className":"color-body light-text"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"BCG Global Leader of Tech and Digital Advantage Vladimir Lukic.","attributes":{},"parsedChildNodes":[],"key":44}],"key":44},{"nodeType":1,"nodeName":"SMALL","nodeValue":null,"id":"","attributes":{"className":"color-body light-text"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"BCG, Getty","attributes":{},"parsedChildNodes":[],"key":45}],"key":45}],"key":44}],"key":43},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":44},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"A ","attributes":{},"parsedChildNodes":[],"key":45}],"key":45},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.bcg.com/publications/2025/closing-the-ai-impact-gap","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://www.bcg.com/publications/2025/closing-the-ai-impact-gap","data-ga-track":"ExternalLink:https://www.bcg.com/publications/2025/closing-the-ai-impact-gap","aria-label":"recent study"},"href":"https://www.bcg.com/publications/2025/closing-the-ai-impact-gap","parsedChildNodes":[{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{"data-ga-track":"ExternalLink:https://www.bcg.com/publications/2025/closing-the-ai-impact-gap"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"recent study","attributes":{},"parsedChildNodes":[],"key":46}],"key":46}],"key":46},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":" from Boston Consulting Group examined how companies were integrating AI into their workplaces, and found that 75% of executives rank AI as a top-three priority, and one in three is planning to spend more than $25 million on the technology. However, only about a quarter of companies are seeing ROI from the investments they’ve made so far. I talked to Vladimir Lukic, BCG’s global leader of tech and digital advantage, about why more companies aren’t seeing return just yet. This conversation has been edited for length, clarity and continuity.","attributes":{},"parsedChildNodes":[],"key":47}],"key":47}],"key":45},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":46},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"In the study, you found that only about 25% of companies are seeing ROI right now with their AI. Of the remaining 75%, you mentioned that about 25% don’t have a business case for moving quickly to implement AI. How do the others feel?","attributes":{},"parsedChildNodes":[],"key":47}],"key":47}],"key":47},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":48},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Lukic: ","attributes":{},"parsedChildNodes":[],"key":49}],"key":49},{"nodeType":3,"nodeName":"#text","nodeValue":"They are [saying]: Listen, I have a data science team, and I have a data engineering team, and I have a center of excellence for automation, and I have the IT team—and yet they’re not unlocking the value. They’re extremely frustrated. And there are three reasons for why they can’t break through it.","attributes":{},"parsedChildNodes":[],"key":50}],"key":49},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":50},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"One is many executives, the last time they were in school was 30 years ago. A lot of these technologies did not exist. There was no iPhone at the time. There was for sure not AI at scale deployed at people’s fingertips. They don’t know how to anticipate these things. It's not in the DNA of how they deploy this into the workflow. Two, as they were middle managers and going through, they didn’t need to rethink the processes around these types of technologies, so the muscle was really never built. That’s one set of reasons why they can’t do it.","attributes":{},"parsedChildNodes":[],"key":51}],"key":51},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":52},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"The other one is: A lot of the companies have been used to 2%, 3% continuous improvement on an annual basis on efficiency and productivity, et cetera. We’re talking now 20%, 30%, 40%, 50% changes in productivity and efficiency. It’s an order-of-magnitude change. It does require a very different setup and governance and ability to move on these things.","attributes":{},"parsedChildNodes":[],"key":53}],"key":53},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":54},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"This is where they break the teeth, and this is the ","attributes":{},"parsedChildNodes":[],"key":55},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.bcg.com/capabilities/artificial-intelligence","rel":"nofollow noopener noreferrer","target":"_blank","className":"color-link","title":"https://www.bcg.com/capabilities/artificial-intelligence","data-ga-track":"ExternalLink:https://www.bcg.com/capabilities/artificial-intelligence","aria-label":"10-20-70"},"href":"https://www.bcg.com/capabilities/artificial-intelligence","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"10-20-70","attributes":{},"parsedChildNodes":[],"key":56}],"key":56},{"nodeType":3,"nodeName":"#text","nodeValue":" [approach to AI deployment] that we talk about. Algorithms and all that is 10%. Twenty percent of it is changing the piping and the plumbing and making sure that the right data is in the right place at the right time. Seventy percent is changing the workflows. That muscle is gone.","attributes":{},"parsedChildNodes":[],"key":57}],"key":55},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":56},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"The last thing [that makes] it hard for them and why it’s frustrating: I have a data science team. I’ve given them these new tools with gen AI, and a mandate to drive it into the organization. But some of these new tools don’t require a data scientist. They require a business owner to deploy. The data scientist puts a threshold on some of these new tools, [requiring they must be at] 99% accuracy when the tools are at 70%, 80% accuracy. And they’re like, we cannot deploy it. You ask them: What is the human accuracy? Well, 40%, 50%. They don’t have the mandate from the organization to drive the right human conversations on the ground. It’s frustrating as hell.","attributes":{},"parsedChildNodes":[],"key":57}],"key":57},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":58},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"What are the 25% who are seeing ROI doing right?","attributes":{},"parsedChildNodes":[],"key":59}],"key":59}],"key":59},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":60},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"There is the base knowledge of the technologies at a higher level. When I sit with the executives in that bucket, they don’t talk about technology at all. The conversations we have are: What are the frictions in the value chain? Where can we add value to the customers? If we did something in a different way on any of those points of friction, how would that give us a competitive edge, et cetera. When I talk to the companies that are in the 50% bucket, it is: Is this real? How does it really work? How fast is it going to come? Do we really need to do something? What’s the payback on it? Et cetera. They’re trying to wrap their head around the technicalities of it, where the folks in [the] 25% know it, understand what it is, and therefore they can focus really on the business questions.","attributes":{},"parsedChildNodes":[],"key":61}],"key":61},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":62},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Two, they focus on fewer use cases where they deploy, but they go deeper and they think about it more as a workflow. When they invest money in it, they stick with it for a longer period of time, and they dedicate business people to drive those changes on the ground. The ones that are struggling go for many more use cases. They run them in shorter pilots and they never actually get to make it to stick, and they don’t force themselves to prioritize.","attributes":{},"parsedChildNodes":[],"key":63}],"key":63},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":64},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"The third one is they focus on the core processes. They’re very ruthless around where the value is. Usually when you do the math, value is in your core workflow. So for insurance companies, that’s the underwriting and claims processing. For software companies, it’s software engineering. They don’t shy away from going after the guts of the business.","attributes":{},"parsedChildNodes":[],"key":65}],"key":65},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":66},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"And then the last point: They are really fast at rethinking the workflow end-to-end, and then changing the incentives of everyone to make sure they do it the right way.","attributes":{},"parsedChildNodes":[],"key":67}],"key":67},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":68},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"The study also shows 60% aren’t tracking the right metrics to determine ROI. How are they missing this?","attributes":{},"parsedChildNodes":[],"key":69}],"key":69}],"key":69},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":70},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"These are smart people that are running successful companies that have good intent, so it’s not incompetence and it’s not people just being ignorant of it. Many times, companies ask the wrong people to own some of these initiatives and they sit in a silo in the organization without the position to actually influence the outcomes.","attributes":{},"parsedChildNodes":[],"key":71}],"key":71},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":72},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Data scientists are asked to deploy gen AI. They usually report four or five layers into the CIO organization. They build a tool, [and] it takes them longer to build it because they want to get it to a level of precision that might not be needed. Once they get it, they say, ‘IT organization, take it.’","attributes":{},"parsedChildNodes":[],"key":73}],"key":73},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":74},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"I am now a salesperson in a call center and I have a tool that can help me do things faster. I’m not using it. Why? Because my quota is to do different actions. To start [getting the AI tool used], I need to change the quota. Well, the data science team is not going to go talk to the head of sales and say, ‘Change the quota for your salespeople.’ They’ll say, ‘I don’t talk to you.’ So the data science team needs to work through their chain of command to get to the CIO, to then get to CFO to engage CEO and chief sales officer to influence that outcome. And then, the chief sales officer needs to work with individual regional chairs who say, ‘This is a great idea, but my bonus is tied to different outcomes for the whole year. So we can do it next year. Let’s put it in the planning process.’","attributes":{},"parsedChildNodes":[],"key":75}],"key":75},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":76},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"The companies that manage to break through this are the ones that are delivering value. And it’s easy to break. You take that business leader and tag them together with the data science team and the tech team. They’re in a squad, and they’re given permission to change the workflow and the incentives. You create a forum where they regularly discuss these things and act on them, and you make it visible to the CEO. It’s manageable, but you need to manage it that way. Currently, people are in their silos and they have their objectives.","attributes":{},"parsedChildNodes":[],"key":77}],"key":77},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":78},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"FACTS + COMMENTS","attributes":{},"parsedChildNodes":[],"key":79}],"key":79}],"key":79},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":80},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"A ","attributes":{},"parsedChildNodes":[],"key":81},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/daveywinder/2025/01/28/hackers-are-getting-faster-48-minutes-and-youre-cooked/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/daveywinder/2025/01/28/hackers-are-getting-faster-48-minutes-and-youre-cooked/","data-ga-track":"InternalLink:https://www.forbes.com/sites/daveywinder/2025/01/28/hackers-are-getting-faster-48-minutes-and-youre-cooked/","aria-label":"new study"},"href":"https://www.forbes.com/sites/daveywinder/2025/01/28/hackers-are-getting-faster-48-minutes-and-youre-cooked/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"new study","attributes":{},"parsedChildNodes":[],"key":82}],"key":82},{"nodeType":3,"nodeName":"#text","nodeValue":" from ReliaQuest found that","attributes":{},"parsedChildNodes":[],"key":83},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":" hackers are getting faster","attributes":{},"parsedChildNodes":[],"key":84}],"key":84},{"nodeType":3,"nodeName":"#text","nodeValue":" at breaking into systems.","attributes":{},"parsedChildNodes":[],"key":85}],"key":81},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":82},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"48: ","attributes":{},"parsedChildNodes":[],"key":83}],"key":83},{"nodeType":3,"nodeName":"#text","nodeValue":"Minutes it took on average for a hacker to be able to exploit a system in 2024","attributes":{},"parsedChildNodes":[],"key":84}],"key":83},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":84},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"18: ","attributes":{},"parsedChildNodes":[],"key":85}],"key":85},{"nodeType":3,"nodeName":"#text","nodeValue":"Average number of days it took last year for a hacker to attack after finding a vulnerability","attributes":{},"parsedChildNodes":[],"key":86}],"key":85},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":86},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"‘Crucial in matching—and surpassing—the speed of adversaries’: ","attributes":{},"parsedChildNodes":[],"key":87}],"key":87},{"nodeType":3,"nodeName":"#text","nodeValue":"How ReliaQuest cyber threat researcher Irene Fuentes McDonnell described automated defenses","attributes":{},"parsedChildNodes":[],"key":88}],"key":87},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":88},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"STRATEGIES + ADVICE","attributes":{},"parsedChildNodes":[],"key":89}],"key":89},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":90},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Leaders have a lot going on, but ","attributes":{},"parsedChildNodes":[],"key":91},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"they can make the greatest impact","attributes":{},"parsedChildNodes":[],"key":92}],"key":92},{"nodeType":3,"nodeName":"#text","nodeValue":" if they ","attributes":{},"parsedChildNodes":[],"key":93},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/nelldebevoise/2025/01/07/how-high-impact-leaders-can-align-time-energy-and-attention-for-greater-impact/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/nelldebevoise/2025/01/07/how-high-impact-leaders-can-align-time-energy-and-attention-for-greater-impact/","data-ga-track":"InternalLink:https://www.forbes.com/sites/nelldebevoise/2025/01/07/how-high-impact-leaders-can-align-time-energy-and-attention-for-greater-impact/","aria-label":"align their time"},"href":"https://www.forbes.com/sites/nelldebevoise/2025/01/07/how-high-impact-leaders-can-align-time-energy-and-attention-for-greater-impact/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"align their time","attributes":{},"parsedChildNodes":[],"key":94}],"key":94},{"nodeType":3,"nodeName":"#text","nodeValue":", energy and attention in ways that match their values.","attributes":{},"parsedChildNodes":[],"key":95}],"key":91},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":92},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"While the CIO may be in charge of tech strategy, ","attributes":{},"parsedChildNodes":[],"key":93},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"input is always needed from others","attributes":{},"parsedChildNodes":[],"key":94}],"key":94},{"nodeType":3,"nodeName":"#text","nodeValue":". Here’s why everyone in your office is needed to ","attributes":{},"parsedChildNodes":[],"key":95},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/joemckendrick/2025/01/11/why-everyone---from-technologists-to-creatives--needs-to-guide-ai-design/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/joemckendrick/2025/01/11/why-everyone---from-technologists-to-creatives--needs-to-guide-ai-design/","data-ga-track":"InternalLink:https://www.forbes.com/sites/joemckendrick/2025/01/11/why-everyone---from-technologists-to-creatives--needs-to-guide-ai-design/","aria-label":"guide a successful AI program"},"href":"https://www.forbes.com/sites/joemckendrick/2025/01/11/why-everyone---from-technologists-to-creatives--needs-to-guide-ai-design/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"guide a successful AI program","attributes":{},"parsedChildNodes":[],"key":96}],"key":96},{"nodeType":3,"nodeName":"#text","nodeValue":".","attributes":{},"parsedChildNodes":[],"key":97}],"key":93},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":94},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"QUIZ","attributes":{},"parsedChildNodes":[],"key":95}],"key":95}],"key":95},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":96},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Legendary Microsoft founder and philanthropist Bill Gates is ","attributes":{},"parsedChildNodes":[],"key":97},{"nodeType":1,"nodeName":"STRONG","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"publishing the first part of a three-part memoir","attributes":{},"parsedChildNodes":[],"key":98}],"key":98},{"nodeType":3,"nodeName":"#text","nodeValue":" next month. What is the title?","attributes":{},"parsedChildNodes":[],"key":99}],"key":97},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":98},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"A.","attributes":{},"parsedChildNodes":[],"key":99},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":" Open Windows","attributes":{},"parsedChildNodes":[],"key":100}],"key":100}],"key":99},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":100},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"B. ","attributes":{},"parsedChildNodes":[],"key":101},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"404","attributes":{},"parsedChildNodes":[],"key":102}],"key":102}],"key":101},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":102},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"C. ","attributes":{},"parsedChildNodes":[],"key":103},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Source Code","attributes":{},"parsedChildNodes":[],"key":104}],"key":104}],"key":103},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":104},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"D. ","attributes":{},"parsedChildNodes":[],"key":105},{"nodeType":1,"nodeName":"EM","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Hello World","attributes":{},"parsedChildNodes":[],"key":106}],"key":106}],"key":105},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":106},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"See if you got the answer right ","attributes":{},"parsedChildNodes":[],"key":107},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/maryroeloffs/2025/01/28/what-we-know-about-bill-gates-memoir-source-code/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/maryroeloffs/2025/01/28/what-we-know-about-bill-gates-memoir-source-code/","data-ga-track":"InternalLink:https://www.forbes.com/sites/maryroeloffs/2025/01/28/what-we-know-about-bill-gates-memoir-source-code/","aria-label":"here"},"href":"https://www.forbes.com/sites/maryroeloffs/2025/01/28/what-we-know-about-bill-gates-memoir-source-code/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"here","attributes":{},"parsedChildNodes":[],"key":108}],"key":108},{"nodeType":3,"nodeName":"#text","nodeValue":".","attributes":{},"parsedChildNodes":[],"key":109}],"key":107},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":108},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"newsletter_signup_article"},"parsedChildNodes":[],"key":109}],"hasAutoPlayVideos":false,"hasRightRailVideoPlayer":false,"breadCrumbsData":[{"link":"https://www.forbes.com/newsletters-old/","title":"Newsletters","trackingProps":{"category":"Template Area Interaction","action":"click","label":"breadcrumb-L2"}}]},"shouldShowBylineForAuthor":true,"fullAdZone":"/7175/fdc.forbes/article-d-prem-delta-c","staticPageData":{},"header":[{"position":1,"sections":[],"title":"Trump Tracker","url":"https://www.forbes.com/trump/","type":"menu"},{"color":"centennial-silver","position":2,"sections":[{"sectionTitle":"World's Billionaires","sectionUrl":"https://www.forbes.com/billionaires/"},{"sectionTitle":"Forbes 400","sectionUrl":"https://www.forbes.com/forbes-400/"},{"sectionTitle":"America's Richest Self-Made Women","sectionUrl":"https://www.forbes.com/self-made-women/"},{"sectionTitle":"China's Richest","sectionUrl":"https://www.forbes.com/china-billionaires/"},{"sectionTitle":"India's Richest","sectionUrl":"https://www.forbes.com/india-billionaires/"},{"sectionTitle":"Indonesia's Richest","sectionUrl":"https://www.forbes.com/indonesia-billionaires/"},{"sectionTitle":"Korea's Richest","sectionUrl":"https://www.forbes.com/korea-billionaires/list/"},{"sectionTitle":"Thailand's Richest","sectionUrl":"https://www.forbes.com/thailand-billionaires/list/ "},{"sectionTitle":"Japan's Richest","sectionUrl":"https://www.forbes.com/japan-billionaires/list/"},{"sectionTitle":"Australia's Richest","sectionUrl":"https://www.forbes.com/australia-billionaires/"},{"sectionTitle":"Taiwan's Richest","sectionUrl":"https://www.forbes.com/taiwan-billionaires/"},{"sectionTitle":"Singapore's Richest","sectionUrl":"https://www.forbes.com/singapore-billionaires/"},{"sectionTitle":"Philippines' Richest","sectionUrl":"https://www.forbes.com/philippines-billionaires/"},{"sectionTitle":"Hong Kong's Richest","sectionUrl":"https://www.forbes.com/hong-kong-billionaires/"},{"sectionTitle":"Malaysia's Richest","sectionUrl":"https://www.forbes.com/malaysia-billionaires/"},{"sectionTitle":"Money \u0026 Politics ","sectionUrl":"https://www.forbes.com/money-politics/"},{"sectionTitle":"2024 Election","sectionUrl":"https://www.forbes.com/2024-election/"}],"title":"Billionaires","url":"https://www.forbes.com/worlds-billionaires/","type":"menu"},{"color":"diamondring-blue","position":3,"sections":[{"sectionTitle":"AI","sectionUrl":"https://www.forbes.com/ai/"},{"sectionTitle":"Big Data","sectionUrl":"https://www.forbes.com/big-data/"},{"sectionTitle":"Cloud","sectionUrl":"https://www.forbes.com/cloud/"},{"sectionTitle":"Cloud 100","sectionUrl":"https://www.forbes.com/cloud100/"},{"sectionTitle":"Consumer Tech","sectionUrl":"https://www.forbes.com/consumer-tech/"},{"sectionTitle":"Creator Economy","sectionUrl":"https://www.forbes.com/creator-economy/"},{"sectionTitle":"Cybersecurity","sectionUrl":"https://www.forbes.com/cybersecurity/"},{"sectionTitle":"Digital Transformation","sectionUrl":"https://www.forbes.com/digital-transformation/"},{"sectionTitle":"Enterprise Commerce","sectionUrl":"https://www.forbes.com/topics/enterprise-commerce/"},{"sectionTitle":"Enterprise Security and Protection","sectionUrl":"https://www.forbes.com/topics/enterprise-security-and-protection/"},{"sectionTitle":"Enterprise Tech","sectionUrl":"https://www.forbes.com/enterprise-tech/"},{"sectionTitle":"Enterprise Growth Strategy","sectionUrl":"https://www.forbes.com/topics/enterprise-growth-strategy/"},{"sectionTitle":"Future Of Work","sectionUrl":"https://www.forbes.com/future-of-work/"},{"sectionTitle":"Gaming","sectionUrl":"https://www.forbes.com/gaming/"},{"sectionTitle":"Healthcare","sectionUrl":"https://www.forbes.com/healthcare/"},{"sectionTitle":"Innovation Rules","sectionUrl":"https://www.forbes.com/innovation-rules/"},{"sectionTitle":"Retail Industry","sectionUrl":"https://www.forbes.com/topics/retail-industry/"},{"paidContent":" | Paid Program","sectionTitle":"SAP BrandVoice","sectionUrl":"https://www.forbes.com/sites/sap/"},{"sectionTitle":"Science","sectionUrl":"https://www.forbes.com/science/"},{"sectionTitle":"Social Media","sectionUrl":"https://www.forbes.com/social-media/"},{"sectionTitle":"Sustainability \u0026 Climate","sectionUrl":"https://www.forbes.com/sustainability/"},{"sectionTitle":"Transportation","sectionUrl":"https://www.forbes.com/transportation/"},{"sectionTitle":"Venture Capital","sectionUrl":"https://www.forbes.com/venture-capital/"},{"sectionTitle":"Technology","sectionUrl":"https://www.forbes.com/sites/technology/"},{"paidContent":" | Paid Program","sectionTitle":"VMware BrandVoice","sectionUrl":"https://www.forbes.com/sites/vmware/"},{"paidContent":" | Paid Program","sectionTitle":"TikTok BrandVoice","sectionUrl":"https://www.forbes.com/sites/tiktok/"}],"title":"Innovation","url":"https://www.forbes.com/innovation/","type":"menu"},{"color":"fortknox-gold","position":4,"sections":[{"sectionTitle":"Careers","sectionUrl":"https://www.forbes.com/careers/"},{"sectionTitle":"CEO Network","sectionUrl":"https://www.forbes.com/ceo-network/"},{"sectionTitle":"CFO Network","sectionUrl":"https://www.forbes.com/cfo-network/"},{"sectionTitle":"CHRO Network","sectionUrl":"https://www.forbes.com/chro-network/"},{"sectionTitle":"CIO Network","sectionUrl":"https://www.forbes.com/cio-network/"},{"sectionTitle":"CMO Network","sectionUrl":"https://www.forbes.com/cmo-network/"},{"sectionTitle":"CxO","sectionUrl":"https://www.forbes.com/cxo/"},{"sectionTitle":"Diversity, Equity \u0026 Inclusion","sectionUrl":"https://www.forbes.com/diversity-inclusion/"},{"sectionTitle":"Education","sectionUrl":"https://www.forbes.com/education/"},{"paidContent":" | Paid Program","sectionTitle":"Forbes EQ","sectionUrl":"https://www.forbes.com/sites/forbeseq/"},{"sectionTitle":"ForbesBLK","sectionUrl":"https://www.forbes.com/blk-leadership/"},{"sectionTitle":"ForbesWomen","sectionUrl":"https://www.forbes.com/women-at-forbes/"},{"sectionTitle":"Leadership Strategy","sectionUrl":"https://www.forbes.com/leadership-strategy/"},{"sectionTitle":"Under 30","sectionUrl":"https://www.forbes.com/under30/"},{"sectionTitle":"Working Remote","sectionUrl":"https://www.forbes.com/working-remote/"},{"sectionTitle":"Over 50","sectionUrl":"https://www.forbes.com/over-50/"},{"paidContent":" | Paid Program","sectionTitle":"Deloitte BrandVoice","sectionUrl":"https://www.forbes.com/sites/deloitte/"},{"paidContent":" | Paid Program","sectionTitle":"Dell Technologies BrandVoice","sectionUrl":"https://www.forbes.com/sites/delltechnologies/"},{"paidContent":" | Paid Program","sectionTitle":"SAP BrandVoice","sectionUrl":"https://www.forbes.com/sites/sap/"}],"title":"Leadership","url":"https://www.forbes.com/leadership/","type":"menu"},{"color":"benjamins-green","position":5,"sections":[{"sectionTitle":"Banking \u0026 Insurance","sectionUrl":"https://www.forbes.com/banking-insurance/"},{"sectionTitle":"ETFs \u0026 Mutual Funds","sectionUrl":"https://www.forbes.com/etfs-mutual-funds/"},{"sectionTitle":"Fintech","sectionUrl":"https://www.forbes.com/fintech/"},{"sectionTitle":"Hedge Funds \u0026 Private Equity","sectionUrl":"https://www.forbes.com/hedge-funds-private-equity/"},{"sectionTitle":"Investing","sectionUrl":"https://www.forbes.com/investing/"},{"sectionTitle":"Investor Hub","sectionUrl":"https://www.forbes.com/sites/investor-hub/"},{"sectionTitle":"Markets","sectionUrl":"https://www.forbes.com/markets/"},{"sectionTitle":"Personal Finance","sectionUrl":"https://www.forbes.com/personal-finance/"},{"sectionTitle":"Retirement","sectionUrl":"https://www.forbes.com/retirement/"},{"sectionTitle":"Taxes","sectionUrl":"https://www.forbes.com/taxes/"},{"sectionTitle":"Top Advisor | SHOOK","sectionUrl":"https://www.forbes.com/top-advisor-shook/ "},{"sectionTitle":"Wealth Management","sectionUrl":"https://www.forbes.com/wealth-management/ "}],"title":"Money","url":"https://www.forbes.com/money/","type":"menu"},{"position":6,"sections":[{"sectionTitle":"Home","sectionUrl":"https://www.forbes.com/digital-assets/"},{"sectionTitle":"Web3 Community","sectionUrl":"https://www.forbes.com/digital-assets/community/"},{"sectionTitle":"News","sectionUrl":"https://www.forbes.com/digital-assets/news/"},{"sectionTitle":"Crypto Prices","sectionUrl":"https://www.forbes.com/digital-assets/crypto-prices/"},{"sectionTitle":"NFT Prices","sectionUrl":"https://www.forbes.com/digital-assets/nft-prices/"},{"sectionTitle":"Research","sectionUrl":"https://www.forbes.com/digital-assets/research/"},{"sectionTitle":"Learn","sectionUrl":"https://www.forbes.com/digital-assets/learn/","sections":[{"sectionTitle":"Crypto Basics","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-basics/"},{"sectionTitle":"BTC","sectionUrl":"https://www.forbes.com/digital-assets/learn/btc/"},{"sectionTitle":"DeFi","sectionUrl":"https://www.forbes.com/digital-assets/learn/defi/"},{"sectionTitle":"Web3 Education","sectionUrl":"https://www.forbes.com/digital-assets/learn/web3-education/"},{"sectionTitle":"NFTs","sectionUrl":"https://www.forbes.com/digital-assets/learn/nfts/"},{"sectionTitle":"Crypto Investments","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-investments/"}]},{"sectionTitle":"Events","sectionUrl":"https://www.forbes.com/digital-assets/events/"},{"sectionTitle":"Crypto Portfolios","sectionUrl":"https://www.forbes.com/digital-assets/crypto-advisor-portfolio/"}],"title":"Forbes Digital Assets","url":"","type":"menu"},{"color":"capitalist-teal","position":7,"sections":[{"sectionTitle":"Aerospace \u0026 Defense","sectionUrl":"https://www.forbes.com/aerospace-defense/"},{"sectionTitle":"Energy","sectionUrl":"https://www.forbes.com/energy/"},{"sectionTitle":"Food \u0026 Drink","sectionUrl":"https://www.forbes.com/food-drink/"},{"sectionTitle":"Hollywood \u0026 Entertainment","sectionUrl":"https://www.forbes.com/hollywood-entertainment/"},{"sectionTitle":"Law","sectionUrl":"https://www.forbes.com/law/"},{"sectionTitle":"Manufacturing","sectionUrl":"https://www.forbes.com/manufacturing/"},{"sectionTitle":"Media","sectionUrl":"https://www.forbes.com/media/"},{"sectionTitle":"Policy","sectionUrl":"https://www.forbes.com/policy/"},{"sectionTitle":"Retail","sectionUrl":"https://www.forbes.com/retail/"},{"sectionTitle":"SportsMoney","sectionUrl":"https://www.forbes.com/sportsmoney/"},{"sectionTitle":"Entertainment Digest","sectionUrl":"https://www.forbes.com/sites/entertainment/"}],"title":"Business","url":"https://www.forbes.com/business/","type":"menu"},{"color":"statuesque-bronze","position":8,"sections":[{"sectionTitle":"Entrepreneurs","sectionUrl":"https://www.forbes.com/entrepreneurs/"},{"sectionTitle":"Franchises","sectionUrl":"https://www.forbes.com/franchises/"},{"sectionTitle":"Small Business Strategy","sectionUrl":"https://www.forbes.com/small-business-strategy/"}],"title":"Small Business","url":"https://www.forbes.com/small-business/","type":"menu"},{"color":"merlot-burgundy","position":9,"sections":[{"sectionTitle":"Arts","sectionUrl":"https://www.forbes.com/arts/"},{"sectionTitle":"Boats \u0026 Planes","sectionUrl":"https://www.forbes.com/boats-planes/"},{"sectionTitle":"Cars \u0026 Bikes","sectionUrl":"https://www.forbes.com/cars-bikes/"},{"sectionTitle":"Dining","sectionUrl":"https://www.forbes.com/dining/"},{"sectionTitle":"ForbesLife","sectionUrl":"https://www.forbes.com/forbeslife/"},{"sectionTitle":"Forbes Travel Guide","sectionUrl":"https://www.forbes.com/forbes-travel-guide/"},{"sectionTitle":"Spirits","sectionUrl":"https://www.forbes.com/spirits/"},{"sectionTitle":"Style \u0026 Beauty","sectionUrl":"https://www.forbes.com/style-beauty/"},{"sectionTitle":"Travel","sectionUrl":"https://www.forbes.com/travel/"},{"sectionTitle":"Vices","sectionUrl":"https://www.forbes.com/vices/"},{"sectionTitle":"Watches","sectionUrl":"https://www.forbes.com/watches-jewelry/"}],"title":"Lifestyle","url":"https://www.forbes.com/lifestyle/","type":"menu"},{"position":10,"sections":[{"sectionTitle":"Commercial Real Estate","sectionUrl":"https://www.forbes.com/commercial-real-estate/"},{"sectionTitle":"Forbes Global Properties","sectionUrl":"https://www.forbes.com/forbes-global-properties/"},{"sectionTitle":"Residential Real Estate","sectionUrl":"https://www.forbes.com/residential-real-estate/"}],"title":"Real Estate","url":"https://www.forbes.com/real-estate/","type":"menu"},{"color":"shopping-salmon","position":11,"sections":[{"sectionTitle":"Mattress \u0026 Sleep","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/","sections":[{"sectionTitle":"Bed Frames","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/bed-frames/"},{"sectionTitle":"Mattresses","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/mattresses/"},{"sectionTitle":"Mattress Toppers","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/mattress-toppers/"},{"sectionTitle":"Pillows","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/pillows/"},{"sectionTitle":"Sheets \u0026 Bedding","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/sheets-bedding/"},{"sectionTitle":"Sleep Products","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/sleep-products/"}]},{"sectionTitle":"Home","sectionUrl":"https://www.forbes.com/vetted/home/","sections":[{"sectionTitle":"Bathroom","sectionUrl":"https://www.forbes.com/vetted/home/bathroom/"},{"sectionTitle":"Cleaning \u0026 Laundry","sectionUrl":"https://www.forbes.com/vetted/home/cleaning-laundry/"},{"sectionTitle":"Decor","sectionUrl":"https://www.forbes.com/vetted/home/decor/"},{"sectionTitle":"Furniture","sectionUrl":"https://www.forbes.com/vetted/home/furniture/"},{"sectionTitle":"Heating \u0026 Cooling","sectionUrl":"https://www.forbes.com/vetted/home/heating-cooling/"},{"sectionTitle":"Hobbies","sectionUrl":"https://www.forbes.com/vetted/home/hobbies/"},{"sectionTitle":"Home Office","sectionUrl":"https://www.forbes.com/vetted/home-office/"},{"sectionTitle":"Kitchen \u0026 Dining","sectionUrl":"https://www.forbes.com/vetted/home/kitchen-dining/"},{"sectionTitle":"Outdoor","sectionUrl":"https://www.forbes.com/vetted/home/outdoor/"},{"sectionTitle":"Pets","sectionUrl":"https://www.forbes.com/vetted/home/pets/"},{"sectionTitle":"Storage \u0026 Organization","sectionUrl":"https://www.forbes.com/vetted/home/storage-organization/"},{"sectionTitle":"Tools","sectionUrl":"https://www.forbes.com/vetted/home/tools/"},{"sectionTitle":"Wine \u0026 Bar","sectionUrl":"https://www.forbes.com/vetted/home/wine-bar/"}]},{"sectionTitle":"Fashion","sectionUrl":"https://www.forbes.com/vetted/fashion/","sections":[{"sectionTitle":"Accessories","sectionUrl":"https://www.forbes.com/vetted/fashion/accessories/"},{"sectionTitle":"Clothing","sectionUrl":"https://www.forbes.com/vetted/fashion/clothing/"},{"sectionTitle":"Eyewear","sectionUrl":"https://www.forbes.com/vetted/fashion/eyewear/"},{"sectionTitle":"Footwear","sectionUrl":"https://www.forbes.com/vetted/fashion/footwear/"},{"sectionTitle":"Jewelry","sectionUrl":"https://www.forbes.com/vetted/fashion/jewelry/"},{"sectionTitle":"Handbags \u0026 Purses","sectionUrl":"https://www.forbes.com/vetted/fashion/handbags-purses/"},{"sectionTitle":"Lingerie \u0026 Sleepwear","sectionUrl":"https://www.forbes.com/vetted/fashion/lingerie-sleepwear/"},{"sectionTitle":"Outdoor \u0026 Fitness Apparel","sectionUrl":"https://www.forbes.com/vetted/fashion/outdoor-fitness-apparel/"},{"sectionTitle":"Outerwear","sectionUrl":"https://www.forbes.com/vetted/fashion/outerwear/"},{"sectionTitle":"Watches","sectionUrl":"https://www.forbes.com/vetted/fashion/watches/"}]},{"sectionTitle":"Kids \u0026 Baby Gear","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/","sections":[{"sectionTitle":"Baby Gear","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/baby-gear/"},{"sectionTitle":"Kids Clothes \u0026 Accessories","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/kids-clothes-accessories/"},{"sectionTitle":"Nursery","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/nursery/"},{"sectionTitle":"Pregnancy \u0026 Postpartum","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/pregnancy-postpartum/"},{"sectionTitle":"Toys \u0026 Books","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/toys-books/"}]},{"sectionTitle":"Gear","sectionUrl":"https://www.forbes.com/vetted/gear/","sections":[{"sectionTitle":"Apparel \u0026 Accessories","sectionUrl":"https://www.forbes.com/vetted/gear/apparel-accessories/"},{"sectionTitle":"Bikes","sectionUrl":"https://www.forbes.com/vetted/gear/bikes/"},{"sectionTitle":"Camping \u0026 Hiking","sectionUrl":"https://www.forbes.com/vetted/gear/camping-hiking/"},{"sectionTitle":"Climbing","sectionUrl":"https://www.forbes.com/vetted/gear/climbing/"},{"sectionTitle":"Fishing \u0026 Hunting","sectionUrl":"https://www.forbes.com/vetted/gear/fishing-hunting/"},{"sectionTitle":"Fitness","sectionUrl":"https://www.forbes.com/vetted/gear/fitness/"},{"sectionTitle":"Golf","sectionUrl":"https://www.forbes.com/vetted/gear/golf/"},{"sectionTitle":"Running","sectionUrl":"https://www.forbes.com/vetted/gear/running/"},{"sectionTitle":"Tennis \u0026 Racket Sports","sectionUrl":"https://www.forbes.com/vetted/gear/tennis-racket-sports/"},{"sectionTitle":"Tools \u0026 Tech","sectionUrl":"https://www.forbes.com/vetted/gear/tools-tech/"},{"sectionTitle":"Training \u0026 Recovery","sectionUrl":"https://ww.forbes.com/vetted/gear/training-recovery/"},{"sectionTitle":"Water Sports","sectionUrl":"https://www.forbes.com/vetted/gear/water-sports/"},{"sectionTitle":"Wellness","sectionUrl":"https://www.forbes.com/vetted/gear/wellness/"},{"sectionTitle":"Winter Sports","sectionUrl":"https://www.forbes.com/vetted/gear/winter-sports/"}]},{"sectionTitle":"Beauty \u0026 Grooming","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/","sections":[{"sectionTitle":"Haircare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/haircare/"},{"sectionTitle":"Makeup","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/makeup/"},{"sectionTitle":"Nailcare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/nailcare/"},{"sectionTitle":"Shaving","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/shaving/"},{"sectionTitle":"Skincare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/skincare/"},{"sectionTitle":"Personal Products","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/personal-products/"},{"sectionTitle":"Wellness \u0026 Self Care","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/wellness-self-care/"}]},{"sectionTitle":"Tech \u0026 Electronics","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/","sections":[{"sectionTitle":"Audio","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/audio/"},{"sectionTitle":"Cameras","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/cameras/"},{"sectionTitle":"Computers, Tablets \u0026 Accessories","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/computers-tablets-accessories/"},{"sectionTitle":"Gaming","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/gaming/"},{"sectionTitle":"Home Office","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/home-office/"},{"sectionTitle":"Online Tools","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/online-tools/"},{"sectionTitle":"Smart Home Devices","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/smart-home-devices/"},{"sectionTitle":"Smartphones, Smartwatches \u0026 Accessories","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/smartphones-smartwatches-accessories/"},{"sectionTitle":"Streaming","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/streaming/"},{"sectionTitle":"TVs","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/tvs/"}]},{"sectionTitle":"Travel","sectionUrl":"https://www.forbes.com/vetted/travel/","sections":[{"sectionTitle":"Cruises","sectionUrl":"https://www.forbes.com/vetted/travel/cruises/"},{"sectionTitle":"Hotels \u0026 Lodging","sectionUrl":"https://www.forbes.com/vetted/travel/hotels-lodging/"},{"sectionTitle":"Luggage","sectionUrl":"https://www.forbes.com/vetted/travel/luggage/"},{"sectionTitle":"Travel Products","sectionUrl":"https://www.forbes.com/vetted/travel/travel-products/"}]},{"sectionTitle":"Gifts","sectionUrl":"https://www.forbes.com/vetted/gifts/","sections":[{"sectionTitle":"Father's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/fathers-day/"},{"sectionTitle":"Holiday","sectionUrl":"https://www.forbes.com/vetted/gifts/holiday/"},{"sectionTitle":"Mother's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/mothers-day/"},{"sectionTitle":"Valentine's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/valentines-day/"},{"sectionTitle":"Wedding","sectionUrl":"https://www.forbes.com/vetted/gifts/wedding/"}]},{"sectionTitle":"Deals","sectionUrl":"https://www.forbes.com/vetted/deals/","sections":[{"sectionTitle":"Black Friday","sectionUrl":"https://www.forbes.com/vetted/deals/black-friday/"},{"sectionTitle":"Cyber Monday","sectionUrl":"https://www.forbes.com/vetted/deals/cyber-monday/"},{"sectionTitle":"Amazon Prime Day","sectionUrl":"https://www.forbes.com/vetted/deals/amazon-prime-day/"},{"sectionTitle":"Beauty \u0026 Grooming","sectionUrl":"https://www.forbes.com/vetted/deals/beauty-grooming/"},{"sectionTitle":"Big Sales","sectionUrl":"https://www.forbes.com/vetted/deals/big-sales/"},{"sectionTitle":"Fashion","sectionUrl":"https://www.forbes.com/vetted/deals/fashion/"},{"sectionTitle":"Gear","sectionUrl":"https://www.forbes.com/vetted/deals/gear/"},{"sectionTitle":"Home","sectionUrl":"https://www.forbes.com/vetted/deals/home/"},{"sectionTitle":"Tech \u0026 Electronics","sectionUrl":"https://www.forbes.com/vetted/deals/tech-electronics/"},{"sectionTitle":"Travel Deals","sectionUrl":"https://www.forbes.com/vetted/deals/travel-deals/"},{"sectionTitle":"Mattress \u0026 Sleep","sectionUrl":"https://www.forbes.com/vetted/deals/mattress-sleep/"}]}],"title":"Forbes Vetted","url":"https://www.forbes.com/vetted/","type":"menu"},{"position":12,"sections":[],"title":"Forbes 101","url":"https://www.forbes.com/forbes-101/","type":"menu"},{"color":"advisor-amethyst","position":13,"sections":[{"sectionTitle":"Best Credit Cards Of 2025","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best-credit-cards/"},{"sectionTitle":"Compare Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/compare/"},{"sectionTitle":"Balance Transfer Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best/balance-transfer/"},{"sectionTitle":"Cash Back Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best/cash-back/"},{"sectionTitle":"Travel Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best-travel-credit-cards/"},{"sectionTitle":"Business Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best/business/"},{"sectionTitle":"Mortgages \u0026 Loans","sectionUrl":"https://www.forbes.com/advisor/mortgages/","sections":[{"sectionTitle":"Best Mortgage Lenders","sectionUrl":"https://www.forbes.com/advisor/mortgages/best-mortgage-lenders/"},{"sectionTitle":"Today's Mortgage Rates","sectionUrl":"https://www.forbes.com/advisor/mortgages/mortgage-rates/"},{"sectionTitle":"Today's Refinance Rates","sectionUrl":"https://www.forbes.com/advisor/mortgages/refinance/refinance-rates/"},{"sectionTitle":"Best Personal Loans","sectionUrl":"https://www.forbes.com/advisor/personal-loans/best-personal-loans/"},{"sectionTitle":"Loans For Bad Credit","sectionUrl":"https://www.forbes.com/advisor/personal-loans/bad-credit-loans/"},{"sectionTitle":"Best Debt Consolidation Loans","sectionUrl":"https://www.forbes.com/advisor/personal-loans/debt-consolidation-loans/"},{"sectionTitle":"Best Student Loan Lenders","sectionUrl":"https://www.forbes.com/advisor/student-loans/best-private-student-loans/"},{"sectionTitle":"Best Student Loan Refinance Lenders","sectionUrl":"https://www.forbes.com/advisor/student-loans/best-student-loan-refinance-lenders/"},{"sectionTitle":"Business Loans","sectionUrl":"https://www.forbes.com/advisor/business-loans/best-small-business-loans/"}]},{"sectionTitle":"Banking","sectionUrl":"https://www.forbes.com/advisor/banking/","sections":[{"sectionTitle":"Best Online Banks","sectionUrl":"https://www.forbes.com/advisor/banking/best-online-banks/"},{"sectionTitle":"CD Rates","sectionUrl":"https://www.forbes.com/advisor/banking/cds/best-cd-rates/"},{"sectionTitle":"High-Yield Savings Accounts","sectionUrl":"https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/"},{"sectionTitle":"Money Market Account","sectionUrl":"https://www.forbes.com/advisor/banking/money-market-account/best-money-market-accounts/"}]},{"sectionTitle":"Life Insurance","sectionUrl":"https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/"},{"sectionTitle":"Cheap Life Insurance","sectionUrl":"https://www.forbes.com/advisor/life-insurance/cheap-life-insurance/"},{"sectionTitle":"No Exam Life Insurance","sectionUrl":"https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/"},{"sectionTitle":"Travel Insurance","sectionUrl":"https://www.forbes.com/advisor/travel-insurance/best-travel-insurance-companies/"},{"sectionTitle":"Covid-19 Travel Insurance","sectionUrl":"https://www.forbes.com/advisor/travel-insurance/best-pandemic-travel-insurance/"},{"sectionTitle":"Cheap Travel Insurance Companies","sectionUrl":"https://www.forbes.com/advisor/travel-insurance/cheap-travel-insurance/"},{"sectionTitle":"Best Car Insurance","sectionUrl":"https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/"},{"sectionTitle":"Compare Car Insurance Quotes","sectionUrl":"https://www.forbes.com/advisor/car-insurance/car-insurance-quotes/"},{"sectionTitle":"Cost Of Car Insurance","sectionUrl":"https://www.forbes.com/advisor/car-insurance/average-cost-of-car-insurance/"},{"sectionTitle":"Cheap Car Insurance","sectionUrl":"https://www.forbes.com/advisor/car-insurance/cheapest-car-insurance/"},{"sectionTitle":"Pet Insurance","sectionUrl":"https://www.forbes.com/advisor/pet-insurance/best-pet-insurance/"},{"sectionTitle":"How Much Is Pet Insurance?","sectionUrl":"https://www.forbes.com/advisor/pet-insurance/pet-insurance-cost/"},{"sectionTitle":"Cheap Pet Insurance","sectionUrl":"https://www.forbes.com/advisor/pet-insurance/best-cheap-pet-insurance/"},{"sectionTitle":"Business Services","sectionUrl":"https://www.forbes.com/advisor/business/","sections":[{"sectionTitle":"Best LLC Services","sectionUrl":"https://www.forbes.com/advisor/business/best-llc-service/"},{"sectionTitle":"Best Registered Agent Services","sectionUrl":"https://www.forbes.com/advisor/business/best-registered-agent-services/"},{"sectionTitle":"How To Set Up An LLC","sectionUrl":"https://www.forbes.com/advisor/business/how-to-set-up-an-llc-in-7-steps/"},{"sectionTitle":"How To Start A Business","sectionUrl":"https://www.forbes.com/advisor/business/how-to-start-a-business/"},{"sectionTitle":"Cost To Start An LLC","sectionUrl":"https://www.forbes.com/advisor/business/cost-to-form-llc/"},{"sectionTitle":"Best Payroll Services","sectionUrl":"https://www.forbes.com/advisor/business/software/best-payroll-services/"},{"sectionTitle":"Best HR Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-human-resource-management-systems/"},{"sectionTitle":"Best HRIS Systems","sectionUrl":"https://www.forbes.com/advisor/business/software/hris-systems/"},{"sectionTitle":"Best PEO Services","sectionUrl":"https://www.forbes.com/advisor/business/software/best-peo-services/"},{"sectionTitle":"Best Applicant Tracking Systems","sectionUrl":"https://www.forbes.com/advisor/business/best-applicant-tracking-systems/"},{"sectionTitle":"Best Website Builders","sectionUrl":"https://www.forbes.com/advisor/business/software/best-website-builders/"},{"sectionTitle":"Best Web Hosting Services","sectionUrl":"https://www.forbes.com/advisor/business/software/best-web-hosting-services/"},{"sectionTitle":"Best Domain Registrar","sectionUrl":"https://www.forbes.com/advisor/business/software/best-domain-registrar/"},{"sectionTitle":"Best Ecommerce Platform","sectionUrl":"https://www.forbes.com/advisor/business/software/best-ecommerce-platform/"},{"sectionTitle":"Best Landing Page Builder","sectionUrl":"https://www.forbes.com/advisor/business/software/best-landing-page-builder/"},{"sectionTitle":"Best VoIP Service","sectionUrl":"https://www.forbes.com/advisor/business/software/best-voip-service/"},{"sectionTitle":"What Is VoIP?","sectionUrl":"https://www.forbes.com/advisor/business/software/what-voip/ "},{"sectionTitle":"Best Answering Services","sectionUrl":"https://www.forbes.com/advisor/business/software/best-answering-services/"},{"sectionTitle":"Best Call Center Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-call-center-software/"},{"sectionTitle":"Best Cloud Phone System","sectionUrl":"https://www.forbes.com/advisor/business/cloud-phone-system/"},{"sectionTitle":"Best Project Management Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-project-management-software/"},{"sectionTitle":"Free Project Management Software","sectionUrl":"https://www.forbes.com/advisor/business/software/free-project-management-software/"},{"sectionTitle":"Best Task Management Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-task-management-software/"},{"sectionTitle":"Free Task Management Software","sectionUrl":"https://www.forbes.com/advisor/business/software/free-task-management-software/"},{"sectionTitle":"Best Gantt Chart Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-gantt-chart-software/"},{"sectionTitle":"Best VPN","sectionUrl":"https://www.forbes.com/advisor/business/software/best-vpn/"},{"sectionTitle":"Best Free VPN","sectionUrl":"https://www.forbes.com/advisor/business/best-free-vpn/"},{"sectionTitle":"Best Cheap VPN","sectionUrl":"https://www.forbes.com/advisor/business/software/best-cheap-vpn/"},{"sectionTitle":"Best Antivirus Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-antivirus-software/"},{"sectionTitle":"Best Password Managers","sectionUrl":"https://www.forbes.com/advisor/business/software/best-password-managers/"}]},{"sectionTitle":"Home Services","sectionUrl":"https://www.forbes.com/home-improvement/","sections":[{"sectionTitle":"Best Moving Companies","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/best-moving-companies/"},{"sectionTitle":"Best Long Distance Moving Companies","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/best-long-distance-moving-companies/"},{"sectionTitle":"Best Car Shipping Companies","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/best-car-shipping-companies/"},{"sectionTitle":"Best Interstate Moving Companies","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/best-interstate-moving-companies/"},{"sectionTitle":"How Much Do Movers Cost?","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/movers-and-packers-cost/"},{"sectionTitle":"Best Home Warranty Companies","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/best-home-warranty-companies/"},{"sectionTitle":"Cheapest Home Warranty Companies","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/cheapest-warranty-companies/"},{"sectionTitle":"Are Home Warranties Worth It?","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/are-home-warranties-worth-it/"},{"sectionTitle":"Home Warranty Cost","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/home-warranty-cost/"},{"sectionTitle":"Best Home Appliance Insurance","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/best-home-appliance-insurance/"},{"sectionTitle":"Best Solar Companies","sectionUrl":"https://www.forbes.com/home-improvement/solar/best-solar-companies/"},{"sectionTitle":"Best Solar Panels","sectionUrl":"https://www.forbes.com/home-improvement/solar/best-solar-panels/"},{"sectionTitle":"Cost Of Solar Panels","sectionUrl":"https://www.forbes.com/home-improvement/solar/cost-of-solar-panels/"},{"sectionTitle":"Solar Tax Credit By State","sectionUrl":"https://www.forbes.com/home-improvement/solar/solar-tax-credit-by-state/"},{"sectionTitle":"Are Solar Panels Worth It?","sectionUrl":"https://www.forbes.com/home-improvement/solar/are-solar-panels-worth-it/"},{"sectionTitle":"Best Pest Control Companies","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/best-pest-control-companies/"},{"sectionTitle":"Best Termite Control Companies","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/best-termite-control-companies/"},{"sectionTitle":"Best Mosquito Control Companies","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/best-mosquito-control-companies/"},{"sectionTitle":"Pest Control Cost","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/pest-control-cost/"},{"sectionTitle":"How Much Do Exterminators Cost?","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/how-much-does-exterminator-cost/"},{"sectionTitle":"Best Home Security Companies","sectionUrl":"https://www.forbes.com/home-improvement/home-security/best-home-security-companies/"},{"sectionTitle":"Best Home Security Systems","sectionUrl":"https://www.forbes.com/home-improvement/home-security/best-home-security-systems/"},{"sectionTitle":"Home Security System Cost","sectionUrl":"https://www.forbes.com/home-improvement/home-security/home-security-system-cost/"},{"sectionTitle":"Cheapest Home Security Systems","sectionUrl":"https://www.forbes.com/home-improvement/home-security/cheapest-home-security-systems/"},{"sectionTitle":"Best Wireless Home Security Systems","sectionUrl":"https://www.forbes.com/home-improvement/home-security/best-wireless-home-security-system/"},{"sectionTitle":"Best Internet Providers","sectionUrl":"https://www.forbes.com/home-improvement/internet/best-internet-providers/"},{"sectionTitle":"Cheapest Internet Plans","sectionUrl":"https://www.forbes.com/home-improvement/internet/cheapest-internet-plans/"},{"sectionTitle":"Fastest High Speed Internet Providers","sectionUrl":"https://www.forbes.com/home-improvement/internet/fastest-high-speed-internet-provider/"},{"sectionTitle":"Best Internet Only Plans","sectionUrl":"https://www.forbes.com/home-improvement/internet/best-internet-only-plans/"},{"sectionTitle":"Best Fiber Internet Providers","sectionUrl":"https://www.forbes.com/home-improvement/internet/best-fiber-internet-providers/"}]},{"sectionTitle":"Forbes Advisor UK","sectionUrl":"https://www.forbes.com/uk/advisor/"}],"title":"Advisor","url":"","type":"menu"},{"color":"insights-blue","position":14,"sections":[{"sectionTitle":"Best Diets","sectionUrl":"https://www.forbes.com/health/nutrition/diet/best-diets/"},{"sectionTitle":"Healthy Aging","sectionUrl":"https://www.forbes.com/health/healthy-aging/"},{"sectionTitle":"Best Medical Alert Systems","sectionUrl":"https://www.forbes.com/health/medical-alert-systems/best-medical-alert-systems/"},{"sectionTitle":"Medicare","sectionUrl":"https://www.forbes.com/health/medicare/"},{"sectionTitle":"Medicare Advantage Plans","sectionUrl":"https://www.forbes.com/health/medicare/best-medicare-advantage-providers/"},{"sectionTitle":"Medicare Supplement Plans","sectionUrl":"https://www.forbes.com/health/medicare/best-medicare-supplement-providers/"},{"sectionTitle":"Medicare Advantage By State","sectionUrl":"https://www.forbes.com/health/medicare/medicare-advantage-by-state/"},{"sectionTitle":"Health Insurance","sectionUrl":"https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/"},{"sectionTitle":"Hearing Aids","sectionUrl":"https://www.forbes.com/health/hearing-aids/"},{"sectionTitle":"Best Hearing Aids","sectionUrl":"https://www.forbes.com/health/hearing-aids/best-hearing-aids/"},{"sectionTitle":"Senior Living","sectionUrl":"https://www.forbes.com/health/senior-living/"},{"sectionTitle":"Mind","sectionUrl":"https://www.forbes.com/health/mind/"},{"sectionTitle":"Best Online Therapy","sectionUrl":"https://www.forbes.com/health/mind/best-online-therapy/"},{"sectionTitle":"Best CBD Gummies","sectionUrl":"https://www.forbes.com/health/cbd/best-cbd-gummies/"},{"sectionTitle":"Best CBD Oil","sectionUrl":"https://www.forbes.com/health/cbd/best-cbd-oil/"}],"title":"Health","url":"","type":"menu"},{"color":"default-gray","position":15,"sections":[],"title":"Lists","url":"https://www.forbes.com/lists/list-directory/","type":"menu"},{"color":"opulent-purple","position":16,"sections":[],"title":"Video","url":"https://www.forbes.com/video/","type":"menu"},{"color":"default-gray","position":17,"sections":[{"sectionTitle":"Crypto Confidential","sectionUrl":"http://bit.ly/2Y2rVX8"},{"sectionTitle":"Editorial Newsletters","sectionUrl":"https://account.forbes.com/newsletters/?utm_source=forbes\u0026utm_medium=featured\u0026utm_campaign=navigation"}],"title":"Newsletters","url":"","type":"menu"},{"position":18,"sections":[{"sectionTitle":"Frase by Forbes","sectionUrl":"https://www.forbes.com/frase/"},{"sectionTitle":"Pinpoint by LinkedIn","sectionUrl":"https://www.forbes.com/games/pinpoint/"},{"sectionTitle":"Queens by LinkedIn","sectionUrl":"https://www.forbes.com/games/queens/"},{"sectionTitle":"Crossclimb by LinkedIn","sectionUrl":"https://www.forbes.com/games/crossclimb/"}],"title":"Forbes Games","url":"","type":"menu"},{"color":"merlot-burgundy","position":19,"sections":[{"sectionTitle":"Forbes Asia","sectionUrl":"https://www.forbes.com/forbesasia/#7cb46d1d2f95"},{"sectionTitle":"Free Issue of Forbes","sectionUrl":"https://w1.buysub.com/pubs/B4/FRB/16-forbes_relaunch_landingpage_2freetrial.jsp?cds_mag_code=FRB\u0026cds_page_id=241223"}],"title":"Forbes Magazine","url":"","type":"menu"},{"color":"default-gray","position":20,"sections":[{"sectionTitle":"Coronavirus Coverage","sectionUrl":"https://www.forbes.com/coronavirus/"},{"sectionTitle":"Daily Cover Stories","sectionUrl":"https://www.forbes.com/daily-cover-stories/"},{"sectionTitle":"Dark Capital","sectionUrl":"https://www.forbes.com/dark-capital/"},{"sectionTitle":"Editors' Picks","sectionUrl":"https://www.forbes.com/editors-picks/"}],"title":"Latest","url":"","type":"menu"},{"color":"default-gray","position":21,"sections":[],"title":"Breaking News","url":"https://www.forbes.com/news/","type":"menu"},{"color":"default-gray","position":22,"sections":[{"sectionTitle":"2025 America's Top Women Wealth Advisors","sectionUrl":"https://www.forbes.com/lists/top-women-advisors/"},{"sectionTitle":"AI’s Nuanced Impact And A Quest To Quantify It","sectionUrl":"https://www.forbes.com/sites/forbes-research/2023/10/26/c-suite-data-reveals-ais-nuanced-impact--a-quest-to-quantify-it/"},{"sectionTitle":"DNA of Success","sectionUrl":"https://www.forbes.com/sites/forbesvideo/2023/11/01/dna-of-success-2023/"},{"sectionTitle":"Embracing And Bracing For AI","sectionUrl":"https://www.forbes.com/sites/forbes-research/2023/10/26/new-forbes-survey-reveals-how-executives-are-embracing---and-bracing-for---ai/"},{"sectionTitle":"Facing A Volatile Market, C-Suites Look To The CFO For Strategic Guidance","sectionUrl":"https://www.forbes.com/sites/forbes-research/2023/11/01/facing-a-volatile-market-c-suites-look-to-the-cfo-for-strategic-guidance/"},{"sectionTitle":"Forbes Research: 2023 Small Business Survey","sectionUrl":"https://www.forbes.com/sites/forbes-research/2023/06/07/resiliency-and-ingenuity-revealed-in-new-forbes-small-business-research/"},{"paidContent":" | Paid Program","sectionSponsored":"Sponsored by LG","sectionTitle":"Hyoeun Kim On LG's Brand Promise, \"Life's Good\"","sectionUrl":"https://www.forbes.com/video/5dd30175-916e-4349-9cab-564a384e45da/hyoeun-kim-on-lgs-brand-promise-lifes-good/"},{"paidContent":" | Paid Program","sectionTitle":"Thomson Reuters Insights: 4 Factors To Explore When Considering Professional-Grade AI ","sectionUrl":"https://www.forbes.com/sites/insights-thomsonreuters/2024/10/30/4-factors-to-explore-when-considering-ai-for-professional-work/"},{"sectionTitle":"2025 Best In State Wealth Management Teams List","sectionUrl":"https://www.forbes.com/lists/wealth-management-teams-best-in-state/"},{"paidContent":" | Paid Program","sectionTitle":"Brands That Won Big on TikTok","sectionUrl":"https://www.forbes.com/sites/tiktok/2025/01/15/brands-that-won-big-on-tiktok/"},{"paidContent":" | Paid Program","sectionTitle":"H\u0026R Block: Block Advisors BrandVoice - Take The Tax Season Challenge","sectionUrl":"https://www.forbes.com/sites/block-advisors/"},{"paidContent":" | Paid Program","sectionTitle":"Your Four-Part Blueprint To Unlock AI Value In 2025","sectionUrl":"https://www.forbes.com/sites/avanade/2025/02/05/your-four-part-blueprint-to-unlock-ai-value-in-2025/"},{"paidContent":" | Paid Program","sectionTitle":"Sponsored by Invesco QQQ: America's Top Women Wealth Advisors (Best in State) List","sectionUrl":"https://www.forbes.com/lists/best-in-state-women-advisors/"},{"sectionTitle":"Leadership Lessons","sectionUrl":"https://www.forbes.com/sites/forbesvideo/2025/02/11/leadership-lessons/"},{"paidContent":" | Paid Program","sectionTitle":"Diners Club International Celebrates 75 Years","sectionUrl":"https://www.forbes.com/sites/diners-club-international/2025/02/14/diners-club-international-celebrates-75-years/"},{"paidContent":" | Paid Program","sectionTitle":"Sponsored by FIS Global: Forbes 2025 FinTech 50 List ","sectionUrl":"https://www.forbes.com/lists/fintech50/"},{"sectionTitle":"This Young Entrepreneur Is Creating Drones For 911 Emergencies With His Startup BRINC","sectionUrl":"https://www.forbes.com/video/a9b1bc09-dc24-4b74-a3d3-d6c44d125e80/this-young-entrepreneur-is-creating-drones-for-911-emergencies-with-his-startup-brinc/"}],"title":"Featured","url":"","type":"menu"}],"subnav":false,"headerLegaleseData":{"correctionsMailLink":"mailto:corrections@forbes.com?subject=Report Correction: Megan Poinski\u0026body=Reporting Correction for: %0A %0A Title: Why 75% Of Businesses Aren’t Seeing ROI From AI Yet %0A Author: Megan Poinski %0A URL: https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/%0A %0A - %0A %0A Your Name: %0A Correction Request: %0A %0A - %0A %0A Thank you for reporting a correction. Forbes Staff will review your concern shortly."},"contributorHomepageTag":{},"isMobile":false,"isTablet":false,"isEurope":false,"isChina":false,"isUsDpa":false,"isUs":false,"isVwoEnabled":false,"isLoggedIn":false,"isGroupBlog":false,"isResourcePage":false,"isSingleRec":false,"isSubscriber":false,"meta":{"date":"2025-01-30","updateDate":"2025-01-30","keywords":"AI,BCG,Vladimir Lukic,DeepSeek,Microsoft,Meta,Doomsday Clock,China,panic,generative AI","description":"Also in the Forbes CIO newsletter: DeepSeek throws a grenade into the AI space, AI looms large in Microsoft And Meta earnings, AI moves Doomsday Clock closer to midnight.","canonicalUrl":"https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/","googleNewsExcludes":false,"type":"article","naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","facebookAppId":"123694841080850","retracted":false,"channelName":"Newsletters","sectionName":"Newsletters","sectionUrl":"https://www.forbes.com/newsletters-old/","articleAuthor":"Megan Poinski","hasNoIndex":false,"googlebotExcludes":false,"doNotPromote":"","author":"Megan Poinski","rssFeed":{"title":"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet - RSS","link":"https://www.forbes.com/sites/meganpoinski/feed/"},"twitterData":{"title":"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet via @forbes","creator":""},"title":"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet","image":"https://imageio.forbes.com/specials-images/imageserve/679bc0f349c1dcbdef47556f/0x0.jpg?format=jpg\u0026crop=3303,1859,x0,y202,safe\u0026height=900\u0026width=1600\u0026fit=bounds","twitterCreator":"","twitterImage":"https://imageio.forbes.com/specials-images/imageserve/679bc0f349c1dcbdef47556f/0x0.jpg?format=jpg\u0026crop=3303,1859,x0,y202,safe\u0026height=600\u0026width=1200\u0026fit=bounds","oGUpdateDate":"2025-01-30T14:17:55.709-05:00","url":"https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/"},"schema":"{\"@context\":\"http://schema.org\",\"@type\":\"NewsArticle\",\"url\":\"https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https://imageio.forbes.com/specials-images/imageserve/679bc0f349c1dcbdef47556f/0x0.jpg?format=jpg\u0026crop=3303,1859,x0,y202,safe\u0026height=900\u0026width=1600\u0026fit=bounds\",\"width\":542.79,\"height\":304.6},\"publisher\":{\"@type\":\"NewsMediaOrganization\",\"name\":\"Forbes\",\"url\":\"https://www.forbes.com/\",\"ethicsPolicy\":\"https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/\",\"logo\":\"https://imageio.forbes.com/i-forbesimg/media/amp/images/forbes-logo-dark.png?format=png\u0026height=455\u0026width=650\u0026fit=bounds\"},\"headline\":\"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet\",\"description\":\"Also in the Forbes CIO newsletter: DeepSeek throws a grenade into the AI space, AI looms large in Microsoft And Meta earnings, AI moves Doomsday Clock closer to midnight.\",\"datePublished\":\"2025-01-30T13:14:54-05:00\",\"dateModified\":\"2025-01-30T14:17:55-05:00\",\"articleSection\":\"Newsletters\",\"name\":\"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet\",\"isAccessibleForFree\":\"False\",\"commentCount\":0,\"author\":[{\"@type\":\"Person\",\"name\":\"Megan Poinski\",\"url\":\"https://www.forbes.com/sites/meganpoinski/\",\"description\":\"I'm a staff writer at Forbes writing the C-Suite newsletters. Previously, I was a reporter at Industry Dive covering CPG food and beverage and technology in the space. I have also worked as a homepage editor at The Washington Post, and was a reporter at The Virgin Islands Daily News.\",\"sameAs\":[],\"jobTitle\":\"\",\"knowsAbout\":\"I'm the writer for the Forbes C-Suite newsletter series.\",\"worksFor\":{\"@type\":\"NewsMediaOrganization\",\"name\":\"Forbes\",\"url\":\"https://www.forbes.com/\"},\"affiliation\":\"CIO\"},{\"@type\":\"Person\",\"name\":\"CIO\",\"description\":\"\u003cp\u003eEssential trends and news in the critical area of enterprise tech and digital transformation, from AI and cybersecurity to startups and innovation.\u0026nbsp;\u003ca target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\" href=\\\"https://www.forbes.com/newsletter/cio\\\" class=\\\"color-link\\\"\u003e\u003cu\u003eSign up here\u003c/u\u003e\u003c/a\u003e.\u003c/p\u003e\",\"url\":\"https://www.forbes.com/sites/cio/\",\"jobTitle\":\"\",\"worksFor\":{\"@type\":\"NewsMediaOrganization\",\"name\":\"Forbes\",\"url\":\"https://www.forbes.com/\"},\"affiliation\":\"CIO\"}]}","breadCrumbsSchema":"{\"@context\":\"http://schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Forbes Homepage\",\"item\":\"https://www.forbes.com/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Newsletters\",\"item\":\"https://www.forbes.com/newsletters-old/\"}]}","FAQsSchema":"{\"@context\":\"http://schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[]}","vettedSchema":false,"renderedTopStoriesCarousel":"","promotionBlock":{},"renderedStoryPackageCarousel":null,"scripts":["https://i.forbesimg.com/simple-site/dist/js/nextJS-ba7b0b446f15c6f00fec.js","https://i.forbesimg.com/simple-site/dist/js/articleNextJS-d8e2f64dc9c49687a922.js"],"socialMap":{"facebook":{"sharingLink":"https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F","platform":"Facebook"},"twitter":{"sharingLink":"https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F\u0026text=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet%20via%20%40forbes","platform":"Twitter"},"linkedin":{"sharingLink":"https://www.linkedin.com/shareArticle?mini=true\u0026url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F\u0026title=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet\u0026summary=Also%20in%20the%20Forbes%20CIO%20newsletter%3A%20DeepSeek%20throws%20a%20grenade%20into%20the%20AI%20space%2C%20AI%20looms%20large%20in%20Microsoft%20And%20Meta%20earnings%2C%20AI%20moves%20Doomsday%20Clock%20closer%20to%20midnight.","platform":"Linkedin"}},"specialSlot":"","speedcurveLabel":"article-desktop-c","streamIndex":0,"showFollowButton":true,"swimlane":"","topStories":[{"uri":"https://www.forbes.com/sites/forbes-dividend-investor/2022/07/15/forbes-dividend-investorjuly-15-weekly-review/","date":1657933302312,"image":"https://specials-images.forbesimg.com/imageserve/62d1fddd0c1109e3b8f35bc6/960x0.jpg","title":"Forbes Dividend Investor - July 15 Weekly Review","blogType":"newsletter"},{"uri":"https://www.forbes.com/sites/soundmoney/2022/01/08/roth-401ks-vs-regular-401ks-ipo-watchlist-2002/","date":1641650400000,"image":"https://specials-images.forbesimg.com/imageserve/61d864661f51d50643ed028d/960x0.jpg","title":"Roth 401(k)s Vs. Regular 401(k)s; IPO Watchlist 2002","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/12/18/no-hope-for-student-loan-forgiveness-crypto-taxes/","date":1639836000000,"image":"https://specials-images.forbesimg.com/imageserve/61bd69c838885d13b216cac2/960x0.jpg","title":"No Hope For Student Loan Forgiveness; Crypto Taxes","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/12/06/stock-rally-in-2022-double-tax-free-rent-relief/","date":1638817762178,"image":"https://specials-images.forbesimg.com/imageserve/61ae59a6fcf5a2ef4ac27897/960x0.jpg","title":"Stock Rally In 2022; Double-Tax Free Rent Relief","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/27/charitable-giving-primer-talking-turkey-with-your-oldsters/","date":1638010800000,"image":"https://specials-images.forbesimg.com/imageserve/619e8dcb130513e274025b70/960x0.jpg","title":"Charitable Giving Primer; Talking Turkey With Your Oldsters","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/13/rivians-100-billion-launch-open-enrollment-tips/","date":1636812000000,"image":"https://specials-images.forbesimg.com/imageserve/618e7f1625fbc519b1163397/960x0.jpg","title":"Rivian’s $100 Billion Launch; Open Enrollment Tips","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/06/a-71-safe-return-rents-are-soaring/","date":1636203600000,"image":"https://specials-images.forbesimg.com/imageserve/6185da6fc8b8acebb706611c/960x0.jpg","title":"A 7.1% Safe Return; Rents Are Soaring","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/10/23/bitcoin-etf-blastoff-student-loan-cancellation-on-hold/","date":1634994000000,"image":"https://specials-images.forbesimg.com/imageserve/6172d029ad7fb0763afe168e/960x0.jpg","title":"Bitcoin ETF Blastoff; Student Loan Cancellation On Hold","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/10/16/social-securitys-59-increase-debt-ceiling-drama-not-over/","date":1634389200000,"image":"https://specials-images.forbesimg.com/imageserve/6169b882f4b0e97a12994825/960x0.jpg","title":"Social Security’s 5.9% Increase; Debt Ceiling Drama Not Over","blogType":"individual"}],"shouldFetchTopStoriesClientSide":false,"isNewsletter":false,"isUserSubscribed":{},"pianoModalIds":{},"articleResourceId":"","storyPackageData":null,"pdfDownloadLink":"","tableOfContents":[],"anchorNavItems":[],"anchorNavStyles":{},"topStoriesCarouselMode":"topStories","openWebSpotId":"sp_qBnNq7ll","topStoriesCarouselData":[{"index":1,"title":"Forbes Dividend Investor - July 15 Weekly Review","image":"https://specials-images.forbesimg.com/imageserve/62d1fddd0c1109e3b8f35bc6/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Jul 15, 2022","hourMinute":"09:01","amPm":"pm","isEDT":true,"unformattedDate":1657933302312},"uri":"https://www.forbes.com/sites/forbes-dividend-investor/2022/07/15/forbes-dividend-investorjuly-15-weekly-review/"},{"index":2,"title":"Roth 401(k)s Vs. Regular 401(k)s; IPO Watchlist 2002","image":"https://specials-images.forbesimg.com/imageserve/61d864661f51d50643ed028d/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Jan 8, 2022","hourMinute":"09:00","amPm":"am","isEDT":false,"unformattedDate":1641650400000},"uri":"https://www.forbes.com/sites/soundmoney/2022/01/08/roth-401ks-vs-regular-401ks-ipo-watchlist-2002/"},{"index":3,"title":"No Hope For Student Loan Forgiveness; Crypto Taxes","image":"https://specials-images.forbesimg.com/imageserve/61bd69c838885d13b216cac2/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Dec 18, 2021","hourMinute":"09:00","amPm":"am","isEDT":false,"unformattedDate":1639836000000},"uri":"https://www.forbes.com/sites/soundmoney/2021/12/18/no-hope-for-student-loan-forgiveness-crypto-taxes/"},{"index":4,"title":"Stock Rally In 2022; Double-Tax Free Rent Relief","image":"https://specials-images.forbesimg.com/imageserve/61ae59a6fcf5a2ef4ac27897/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Dec 6, 2021","hourMinute":"02:09","amPm":"pm","isEDT":false,"unformattedDate":1638817762178},"uri":"https://www.forbes.com/sites/soundmoney/2021/12/06/stock-rally-in-2022-double-tax-free-rent-relief/"},{"index":5,"title":"Charitable Giving Primer; Talking Turkey With Your Oldsters","image":"https://specials-images.forbesimg.com/imageserve/619e8dcb130513e274025b70/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Nov 27, 2021","hourMinute":"06:00","amPm":"am","isEDT":false,"unformattedDate":1638010800000},"uri":"https://www.forbes.com/sites/soundmoney/2021/11/27/charitable-giving-primer-talking-turkey-with-your-oldsters/"},{"index":6,"title":"Rivian’s $100 Billion Launch; Open Enrollment Tips","image":"https://specials-images.forbesimg.com/imageserve/618e7f1625fbc519b1163397/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Nov 13, 2021","hourMinute":"09:00","amPm":"am","isEDT":false,"unformattedDate":1636812000000},"uri":"https://www.forbes.com/sites/soundmoney/2021/11/13/rivians-100-billion-launch-open-enrollment-tips/"},{"index":7,"title":"A 7.1% Safe Return; Rents Are Soaring","image":"https://specials-images.forbesimg.com/imageserve/6185da6fc8b8acebb706611c/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Nov 6, 2021","hourMinute":"09:00","amPm":"am","isEDT":true,"unformattedDate":1636203600000},"uri":"https://www.forbes.com/sites/soundmoney/2021/11/06/a-71-safe-return-rents-are-soaring/"},{"index":8,"title":"Bitcoin ETF Blastoff; Student Loan Cancellation On Hold","image":"https://specials-images.forbesimg.com/imageserve/6172d029ad7fb0763afe168e/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Oct 23, 2021","hourMinute":"09:00","amPm":"am","isEDT":true,"unformattedDate":1634994000000},"uri":"https://www.forbes.com/sites/soundmoney/2021/10/23/bitcoin-etf-blastoff-student-loan-cancellation-on-hold/"},{"index":9,"title":"Social Security’s 5.9% Increase; Debt Ceiling Drama Not Over","image":"https://specials-images.forbesimg.com/imageserve/6169b882f4b0e97a12994825/290x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Oct 16, 2021","hourMinute":"09:00","amPm":"am","isEDT":true,"unformattedDate":1634389200000},"uri":"https://www.forbes.com/sites/soundmoney/2021/10/16/social-securitys-59-increase-debt-ceiling-drama-not-over/"}],"pageType":"article","readMoreArticle":{"date":1740074646478,"doNotPaginate":false,"uri":"http://www.forbes.com/sites/cio/2025/02/20/what-we-know-so-far-about-trumps-approach-to-ai/","hideDescription":false,"id":"content_67b76e6ba18dc2149a6a3095","naturalId":"blogAndPostId/blog/post/52275-67b76e6ba18dc2149a6a3095","sponsored":false,"title":"What We Know So Far About Trump’s Approach To AI"},"recircData":{},"serverData":{"adInventory":"7175","adZone":"article-delta-c/masthead/default/standard","assetTickerData":{},"anchorNavStyles":{},"animatedBody":false,"articleId":"content_679bbfa1f86da4499e349670","bucket":"C","channelColor":"#887411","carouselConfig":null,"channelName":"Leadership","cookieName":"malcolm","env":"PRODUCTION-C","genAIData":{},"isAdLight":false,"isTopXAd":false,"isAffiliated":false,"isCanary":false,"isE2E":false,"isEurope":false,"isChina":false,"isUsDpa":false,"isUs":false,"isVwoEnabled":false,"isForbesFinds":false,"isJENewsletter":false,"isNewsletter":false,"isLocal":false,"isLegacy":false,"isPaidContent":false,"isPremiumTemplateType":true,"isStandardTemplateType":false,"isProd":true,"isSingleRec":false,"isLoggedIn":false,"live":{},"moreFromVideoData":{"data":{}},"isSubscriber":false,"publicationId":"blogAuthorId/blog/author/blog-52275","relativeVideos":[],"recommendApi":"recommend.forbes.com","shouldGetMoreFromBlock":false,"showOpenWeb":true,"specialSlot":"","sentimentScore":"negative","storyPackageDynamicStyles":{},"streamIndex":0,"swimLane":"","topStories":[{"uri":"https://www.forbes.com/sites/forbes-dividend-investor/2022/07/15/forbes-dividend-investorjuly-15-weekly-review/","date":1657933302312,"image":"https://specials-images.forbesimg.com/imageserve/62d1fddd0c1109e3b8f35bc6/960x0.jpg","title":"Forbes Dividend Investor - July 15 Weekly Review","blogType":"newsletter"},{"uri":"https://www.forbes.com/sites/soundmoney/2022/01/08/roth-401ks-vs-regular-401ks-ipo-watchlist-2002/","date":1641650400000,"image":"https://specials-images.forbesimg.com/imageserve/61d864661f51d50643ed028d/960x0.jpg","title":"Roth 401(k)s Vs. Regular 401(k)s; IPO Watchlist 2002","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/12/18/no-hope-for-student-loan-forgiveness-crypto-taxes/","date":1639836000000,"image":"https://specials-images.forbesimg.com/imageserve/61bd69c838885d13b216cac2/960x0.jpg","title":"No Hope For Student Loan Forgiveness; Crypto Taxes","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/12/06/stock-rally-in-2022-double-tax-free-rent-relief/","date":1638817762178,"image":"https://specials-images.forbesimg.com/imageserve/61ae59a6fcf5a2ef4ac27897/960x0.jpg","title":"Stock Rally In 2022; Double-Tax Free Rent Relief","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/27/charitable-giving-primer-talking-turkey-with-your-oldsters/","date":1638010800000,"image":"https://specials-images.forbesimg.com/imageserve/619e8dcb130513e274025b70/960x0.jpg","title":"Charitable Giving Primer; Talking Turkey With Your Oldsters","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/13/rivians-100-billion-launch-open-enrollment-tips/","date":1636812000000,"image":"https://specials-images.forbesimg.com/imageserve/618e7f1625fbc519b1163397/960x0.jpg","title":"Rivian’s $100 Billion Launch; Open Enrollment Tips","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/11/06/a-71-safe-return-rents-are-soaring/","date":1636203600000,"image":"https://specials-images.forbesimg.com/imageserve/6185da6fc8b8acebb706611c/960x0.jpg","title":"A 7.1% Safe Return; Rents Are Soaring","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/10/23/bitcoin-etf-blastoff-student-loan-cancellation-on-hold/","date":1634994000000,"image":"https://specials-images.forbesimg.com/imageserve/6172d029ad7fb0763afe168e/960x0.jpg","title":"Bitcoin ETF Blastoff; Student Loan Cancellation On Hold","blogType":"individual"},{"uri":"https://www.forbes.com/sites/soundmoney/2021/10/16/social-securitys-59-increase-debt-ceiling-drama-not-over/","date":1634389200000,"image":"https://specials-images.forbesimg.com/imageserve/6169b882f4b0e97a12994825/960x0.jpg","title":"Social Security’s 5.9% Increase; Debt Ceiling Drama Not Over","blogType":"individual"}],"tracking":{"author":"Megan Poinski","bertie":"true","bertieBadgeSlugs":"editors-pick,no-paywall,newsletter","blogType":"individual","brandVoice":"","bvCategory":[],"bvContentSource":"","bvProgramType":"","categories":"Newsletters","channelNames":"Newsletters","coAuthor":"CIO","coAuthorControl":"true","contribDivision":"FC","contribType":"Forbes Staff","coreBrands":"","coverStory":"","customPage":"https://www.forbes.com/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/","desktopArticle":true,"dfpZone":"article-d-prem-delta-c","edit":"","editorsPick":true,"entitySegments":["stocks","apple","creditcards","investing","ai","protest","cybersecurity","techbrands","meta"],"gamZone":"article-delta-c/masthead/default/standard","gamZoneAmpAnalytics":"article-delta-c/masthead/default/standard","gitBranch":"main","hashtags":"","hashtagsTrending":"","heroImage":"false","imageCount":3,"insights":"","isGroupBlog":false,"isRetracted":false,"isSponsored":false,"login":"false","naturalID":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","negativeSentimentCompanies":"","newsKeywords":"AI,BCG,Vladimir Lukic,DeepSeek,Microsoft,Meta,Doomsday Clock,China,panic,generative AI","pageNumber":1,"pageTitle":"","pageTotal":1,"pageType":"blog:premium:masthead","paidContentBrand":"","paidContentType":"","primaryChannel":"Newsletters","primarySection":"","publicationAuthor":"CIO","publishDate":"2025-01-30","quantcastData":"","recircUnit":"","sectionNames":"Newsletters:Newsletters","sections":"FC,Newsletters","seniorContributor":"false","sentimentCompanies":"","siteSlug":"cio","slot":"","stockTicker":"false","streamPosition":0,"templateType":"premium","templateSubType":"masthead","title":"Why 75% Of Businesses Aren’t Seeing ROI From AI Yet","version":"ss-article-desktop","videoLocation":"","contentPaywall":"free","categoryId":"","naturalIdVersion":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670_13"},"canEditArticle":false,"fdaSubNav":[{"position":1,"sections":[],"title":"Home","url":"https://www.forbes.com/digital-assets/","type":"menu"},{"position":2,"sections":[],"title":"Web3 Community","url":"https://www.forbes.com/digital-assets/community/","type":"menu"},{"position":3,"sections":[],"title":"News","url":"https://www.forbes.com/digital-assets/news/","type":"menu"},{"position":4,"sections":[],"title":"Crypto Prices","url":"https://www.forbes.com/digital-assets/crypto-prices/","type":"menu"},{"position":5,"sections":[],"title":"NFT Prices","url":"https://www.forbes.com/digital-assets/nft-prices/","type":"menu"},{"position":6,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Basics","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-basics/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"BTC","sectionUrl":"https://www.forbes.com/digital-assets/learn/btc/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"DeFi","sectionUrl":"https://www.forbes.com/digital-assets/learn/defi/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Web3 Education","sectionUrl":"https://www.forbes.com/digital-assets/learn/web3-education/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"NFTs","sectionUrl":"https://www.forbes.com/digital-assets/learn/nfts/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Investments","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-investments/","sections":[]}],"title":"Learn","url":"https://www.forbes.com/digital-assets/learn/","type":"menu"},{"position":7,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Portfolios","sectionUrl":"https://www.forbes.com/digital-assets/crypto-advisor-portfolio/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Events","sectionUrl":"https://www.forbes.com/digital-assets/events/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Research","sectionUrl":"https://www.forbes.com/digital-assets/research/","sections":[]}],"title":"More","url":"","type":"menu"}],"award":[],"affiliatedLinks":[],"isFda":false,"forbesOneContext":{"multi-label-classifier":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"multi-label-classifier","modelVersionId":"12","model":"mlc","prediction":[{"id":"3","label":"Business and Finance","tiers":[{"label":"Industries","id":"3.3","tiers":[{"label":"Technology Industry","id":"3.3.31"}]}]},{"id":"26","label":"Technology \u0026 Computing","tiers":[{"label":"Artificial Intelligence","id":"26.1"},{"label":"Computing","id":"26.3","tiers":[{"label":"Computer Software and Applications","id":"26.3.3"}]}]}]},"emotion-v1":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"emotion-v1","modelVersionId":"5","model":"emotion","prediction":[{"emotion":"admiration"}]},"content-quality-v1":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"content-quality-v1","modelVersionId":"2","model":"cq","prediction":[{"content_quality":0.9998216}]},"topics":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"topics","model":"TOPIC","topics":"technology-industry,enterprise-commerce,enterprise-growth-strategy,artificial-intelligence,computer-software-and-applications,business-software-solutions","channels":"Innovation,Money,Business"},"named-entity-recognition-3":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"named-entity-recognition-3","modelVersionId":"10","model":"ner","prediction":[{"token":"deepseek","tag":"ORG","prob":0.9515828490257263,"geo_cat":""},{"token":"ai","tag":"ORG","prob":0.9686456322669983,"geo_cat":""},{"token":"ai","tag":"ORG","prob":0.9700080156326294,"geo_cat":""},{"token":"bulletin atomic scientists","tag":"ORG","prob":0.9728126287460327,"geo_cat":""},{"token":"reliaquest","tag":"ORG","prob":0.9884676337242126,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9893858432769775,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9899427890777588,"geo_cat":""},{"token":"boston consulting group","tag":"ORG","prob":0.9912932515144348,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9919406771659851,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9922927618026733,"geo_cat":""},{"token":"tech","tag":"ORG","prob":0.9942031502723694,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9952402114868164,"geo_cat":""},{"token":"boston consulting group","tag":"ORG","prob":0.9952696760495504,"geo_cat":""},{"token":"bcg","tag":"ORG","prob":0.9956621527671814,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.9964415431022644,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9967547059059143,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9972407817840576,"geo_cat":""},{"token":"high flyer capital management","tag":"ORG","prob":0.998174766699473,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9991710186004639,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9992039799690247,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9992057681083679,"geo_cat":""},{"token":"deepseek","tag":"ORG","prob":0.9992585778236389,"geo_cat":""},{"token":"bloomberg","tag":"ORG","prob":0.9992697834968567,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.99932861328125,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9994149208068848,"geo_cat":""},{"token":"kela","tag":"ORG","prob":0.9994669556617737,"geo_cat":""},{"token":"meta","tag":"ORG","prob":0.9995790123939514,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.9995878338813782,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.999692440032959,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998021721839905,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998629093170166,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9998857975006104,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9999232292175293,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9999253749847412,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.999954342842102,"geo_cat":""},{"token":"bcg","tag":"ORG","prob":0.9999957084655762,"geo_cat":""},{"token":"","tag":"LOC","prob":0.985637366771698,"geo_cat":"other"},{"token":"silicon valley","tag":"LOC","prob":0.9958702921867371,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.99920254945755,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9992532134056091,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9994655251502991,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9996519088745117,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9997844099998474,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9998774528503418,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9999271631240845,"geo_cat":"other"},{"token":"china","tag":"LOC","prob":0.9999511241912842,"geo_cat":"other"},{"token":"hangzhou","tag":"LOC","prob":0.9999698400497437,"geo_cat":"other"},{"token":"china","tag":"LOC","prob":0.9999940395355225,"geo_cat":"other"},{"token":"liang wenfeng","tag":"PER","prob":0.9744141697883606,"geo_cat":""},{"token":"vladimir lukic","tag":"PER","prob":0.9846581220626831,"geo_cat":""},{"token":"forbes giocomo tognini","tag":"PER","prob":0.9892542560895284,"geo_cat":""},{"token":"irene fuentes mcdonnell","tag":"PER","prob":0.9946661591529846,"geo_cat":""},{"token":"amy hood","tag":"PER","prob":0.9988057613372803,"geo_cat":""},{"token":"trump","tag":"PER","prob":0.9991403818130493,"geo_cat":""},{"token":"phoebe liu","tag":"PER","prob":0.9992295503616333,"geo_cat":""},{"token":"satya nadella","tag":"PER","prob":0.9995508193969727,"geo_cat":""},{"token":"brewster","tag":"PER","prob":0.9996261596679688,"geo_cat":""},{"token":"vladimir lukic","tag":"PER","prob":0.9996317327022552,"geo_cat":""},{"token":"joe biden","tag":"PER","prob":0.9997040629386902,"geo_cat":""},{"token":"marc andreessen","tag":"PER","prob":0.9997385740280151,"geo_cat":""},{"token":"richard nieva","tag":"PER","prob":0.9998270869255066,"geo_cat":""},{"token":"gates","tag":"PER","prob":0.99982950091362,"geo_cat":""},{"token":"donald trump","tag":"PER","prob":0.9998295307159424,"geo_cat":""},{"token":"nadella","tag":"PER","prob":0.9998347759246826,"geo_cat":""},{"token":"mark zuckerberg","tag":"PER","prob":0.9999057054519653,"geo_cat":""},{"token":"donald trump","tag":"PER","prob":0.9999136924743652,"geo_cat":""},{"token":"liang wenfeng","tag":"PER","prob":0.999915361404419,"geo_cat":""}]},"ad-revenue":{"naturalId":"blogAndPostId/blog/post/52275-679bbfa1f86da4499e349670","modelDisplayName":"ad-revenue","modelVersionId":"7","model":"ar","prediction":[{"predicted_probability":0.35170135,"predicted_category":1}]}},"socialMap":{"facebook":{"sharingLink":"https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F","platform":"Facebook"},"twitter":{"sharingLink":"https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F\u0026text=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet%20via%20%40forbes","platform":"Twitter"},"linkedin":{"sharingLink":"https://www.linkedin.com/shareArticle?mini=true\u0026url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fcio%2F2025%2F01%2F30%2Fwhy-75-of-businesses-arent-seeing-roi-from-ai-yet%2F\u0026title=Why%2075%25%20Of%20Businesses%20Aren%E2%80%99t%20Seeing%20ROI%20From%20AI%20Yet\u0026summary=Also%20in%20the%20Forbes%20CIO%20newsletter%3A%20DeepSeek%20throws%20a%20grenade%20into%20the%20AI%20space%2C%20AI%20looms%20large%20in%20Microsoft%20And%20Meta%20earnings%2C%20AI%20moves%20Doomsday%20Clock%20closer%20to%20midnight.","platform":"Linkedin"}},"topics":"business-and-finance,industries,technology-industry,technology-computing,artificial-intelligence,computing,computer-software-and-applications","topicSlugs":"technology-industry,enterprise-commerce,enterprise-growth-strategy,artificial-intelligence,computer-software-and-applications,business-software-solutions","includeTemplateTypes":"standard,premium","hasAdsEnabledVideoPlayer":false,"vettedDataForXlRecirc":[]},"preloadData":[{"as":"font","href":"https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2","type":"font/woff2"},{"as":"font","href":"https://i.forbesimg.com/assets/fonts/work-sans/worksans-regular-webfont.woff2","type":"font/woff2"},{"as":"font","href":"https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2","type":"font/woff2"},{"href":"https://imageio.forbes.com/specials-images/imageserve/679bc0f349c1dcbdef47556f/0x0.jpg?format=jpg\u0026crop=3303,1859,x0,y202,safe","as":"image"},{"href":"https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf","as":"font"},{"href":"https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2","as":"font"}]},"isMobile":false,"isEurope":false,"isChina":false,"isUsDpa":false,"isUs":false},"__N_SSP":true},"page":"/article","query":{"0":"sites","username":"cio","year":"2025","month":"01","day":"30","headline":"why-75-of-businesses-arent-seeing-roi-from-ai-yet","reqUrl":"/sites/cio/2025/01/30/why-75-of-businesses-arent-seeing-roi-from-ai-yet/"},"buildId":"WPgnUh8PToKB7L1A_R6z6","assetPrefix":"https://i.forbesimg.com/simple-site","isFallback":false,"isExperimentalCompile":false,"gssp":true,"scriptLoader":[]}</script><script>// this file is external 3rd party code to initiate header prebidding which comes directly from Medianet // https://forbesmedia.atlassian.net/browse/ADSS-77 /* eslint-disable no-underscore-dangle, camelcase */ window._mNHandle = window._mNHandle || {}; window._mNHandle.queue = window._mNHandle.queue || []; window.medianet_versionId = '3121199'; window.medianet_chnm = ''; window.medianet_chnm2 = ''; window.forbes = window.forbes || {}; window.forbes.fastFetchMedianet = true; (() => { const loadScript = (tagSrc) => { const scriptTag = document.createElement('script'); const placeTag = document.getElementsByTagName('script')[0]; scriptTag.type = 'text/javascript'; scriptTag.async = true; scriptTag.src = tagSrc; placeTag.parentNode.insertBefore(scriptTag, placeTag); }; const loadMedianetManagePrebid = (isMobile) => { window.mnjs = window.mnjs || { customerId: isMobile ? '8CU243I76' : '8CU4ZAPFY', domain: window.location.hostname, version: 1.0, }; /* eslint-disable prefer-template */ const mnjsEndpoint = 'https://warp.media.net/js/tags/clientag.js?' + 'cid=' + window.mnjs.customerId + '&dn=' + window.mnjs.domain + '&version=' + window.mnjs.version; loadScript(mnjsEndpoint); }; /** * gets user agent from navigator info * @param {String} ua user agent from navigator * @param {String} isMobileAndroid for android devices * @param {String} isMobileWindows for windows phone devices * @returns a string representing the user agent */ const getIsMobile = (ua, isMobileAndroid, isMobileWindows) => ua.match(/iP(hone|od)/i) || ua.match(/iPod/i) || ua.match(/BlackBerry/i) || isMobileAndroid || isMobileWindows; const ua = navigator.userAgent; const isMobileAndroid = ua.match(/Android/i) && ua.match(/Mobile/i); const isMobileWindows = ua.match(/Nokia|NOKIA/i) && ua.match(/Symbian|Windows Phone/i); const isMobile = getIsMobile(ua, isMobileAndroid, isMobileWindows); const loadMedianetHeaderBidding = () => { if (window.forbes.isAdvisor) { loadScript('https://contextual.media.net/bidexchange.js?cid=8CU25AH4U'); } else { loadMedianetManagePrebid(isMobile); } }; const loadMedianetAd = () => { const { lastCustomData } = window.forbes; // mnet ad logic here https://docs.google.com/spreadsheets/d/1kI9tKGs1jhu9j4J-RqFKz-TRhxiH3lY-He62on7qkLg/edit#gid=917757669 const brandVoice = ((lastCustomData?.contribType && lastCustomData.contribType === 'AdVoice') || (lastCustomData?.author && lastCustomData.author === 'AdVoice')); const pageType = window.forbes['simple-site']?.adZone; const unpaidContribType = (pageType === 'contribhome' && !brandVoice); // mnet exists on legacy paid content types const legacyPaidContent = lastCustomData['Paid Content'] && !brandVoice; // this returns a string 'true' or 'false' const premiumProfile = window.forbes['simple-site']?.tracking?.premiumProfiles; const isChanSec = ['channel', 'section'].includes(pageType); const isBasicProfile = pageType === 'profile' && (premiumProfile === 'false'); const isHome = window.mnjs?.channel?.includes('home'); const isTopics = window.location.pathname.includes('/topics/'); // only load the mnet ad where it's rendered // search and article on both DT and mobile (not vetted, paid content or premium) const search = window.location.pathname.includes('search'); const article = (!brandVoice && (['live', 'topline', 'standard', 'advisor', 'finds'].includes(window.templateType) || pageType.includes('article/standard') || pageType.includes('article-blue/standard'))) || pageType.includes('masthead') || legacyPaidContent; // mobile specific to home, video page, video standalone, unpaid contrib, unpaid profile, and chansec const requireMobileMnet = isMobile && !brandVoice && ((window.location.pathname.includes('video') || unpaidContribType || isChanSec || isBasicProfile || isHome || legacyPaidContent || isTopics)); if (search || article || requireMobileMnet) { loadScript('https://contextual.media.net/dmedianet.js?cid=8CU2T3HV4&https=1'); } }; /** * check if the _swb_consent_ cookie is loaded * @Todo make the ketch checks on the window so we can call them from there and make sure we dont * lose time in the proccess * we added ketch check to make sure we don't load medianet if the user is in the EU or China * adding the checks here is a temporary solution. * @returns boolean that represents if the cookie is loaded or not */ const checkConsentCookieLoaded = () => !!document.cookie.match(/_swb_consent_=/); /** * get the _swb_consent_ cookie and url decode it to get it ready for parseing * @returns String that has the ketch cookie value */ function getSwbCookieValue() { let cookieValue = false; if (!checkConsentCookieLoaded()) { return cookieValue; } const ketchCookieName = '_swb_consent_='; document.cookie.split(';').forEach((cookie) => { if (cookie.trim().startsWith(ketchCookieName)) { cookieValue = decodeURIComponent(cookie.split('=')[1]); } }); return cookieValue; } /** * get the cookie and parse it into json from base64 string * @returns object that contains the consent details */ function getSwbCookie() { const ketchCookie = getSwbCookieValue(); try { const cookieInfo = window.atob(ketchCookie); return JSON.parse(cookieInfo); } catch (error) { return {}; } } /** * Check if the user gave full consent. * @returns If the user gave full consent. */ function userGaveFullConsent() { const userConsent = getSwbCookie(); if (!userConsent.purposes) { return false; } const purposesKeys = Object.keys(userConsent.purposes); let userConsentPrefrences = true; // safety check for when the cookie is first intialized if (purposesKeys.length === 1) { return false; } purposesKeys.forEach((element) => { if (userConsent.purposes[element].allowed === 'false') { userConsentPrefrences = false; } }); return userConsentPrefrences; } function waitForWindowObject(ss, lcd) { return new Promise((resolve) => { function checkObject() { if (window.forbes[ss] && window.forbes[lcd]) { resolve(); } else { setTimeout(checkObject, 1000); } } checkObject(); }); } if (window.forbes.isEurope || window.forbes.isChina) { if (checkConsentCookieLoaded() && userGaveFullConsent()) { loadMedianetHeaderBidding(); waitForWindowObject('simple-site').then(loadMedianetAd); } } else { loadMedianetHeaderBidding(); waitForWindowObject('simple-site', 'lastCustomData').then(loadMedianetAd); } })(); </script></body></html>