CINXE.COM
<!DOCTYPE html> <html lang="en-US"> <head> <title data-react-helmet="true">Navigating Accounts Receivable for Building Success</title> <meta data-react-helmet="true" http-equiv="X-UA-Compatible" content="IE=edge"/><meta data-react-helmet="true" charset="utf-8"/><meta data-react-helmet="true" name="viewport" content="width=device-width, initial-scale=1"/><meta data-react-helmet="true" name="application-name" content="American Express"/><meta data-react-helmet="true" name="keywords" content="business class, one-amex"/><meta data-react-helmet="true" property="og:title" content="Navigating Accounts Receivable for Building Success"/><meta data-react-helmet="true" property="og:description" content="By managing your accounts receivable strategically, you can more effectively manage your cash flow."/><meta data-react-helmet="true" name="description" content="By managing your accounts receivable strategically, you can more effectively manage your cash flow."/><meta data-react-helmet="true" property="og:type" content="article"/><meta data-react-helmet="true" property="og:site_name" content="Business Class: Trends and Insights | American Express"/><meta data-react-helmet="true" property="og:locale" content="en_US"/><meta data-react-helmet="true" property="og:url" content="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/navigating-accounts-receivable-for-building-success/"/><meta data-react-helmet="true" property="og:image" content="https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2024/03/navigatingaccountsreceivablepreview.jpg"/><meta data-react-helmet="true" name="twitter:card" content="summary_large_image"/><meta data-react-helmet="true" name="twitter:site" content="@amexbusiness"/><meta data-react-helmet="true" name="twitter:creator" content="@amexbusiness"/><meta data-react-helmet="true" name="robots" property="robots" content="index,follow"/><meta data-react-helmet="true" name="searchGroup" content="BTI"/> <script type="text/javascript" src="/ruxitagentjs_ICA7NQVfhqrux_10299241024162415.js" data-dtconfig="rid=RID_1332487177|rpid=-1815896268|domain=americanexpress.com|reportUrl=/rb_8264482b-dee3-4f6d-be79-c4d3fee1d8c7|app=03b3525ce877991d|cssm=n|featureHash=ICA7NQVfhqrux|msl=153600|rdnt=1|uxrgce=1|bp=3|cuc=jf4wyxxa|srms=2,2,1,|mel=100000|dpvc=1|md=mdcc1=a#error-message|ssv=4|lastModification=1732659539972|mdp=mdcc1|tp=500,50,0|agentUri=/ruxitagentjs_ICA7NQVfhqrux_10299241024162415.js"></script><style data-react-helmet="true" type="text/css" id="navHideChangeLanguage"> .trends-insights-outer-wrapper .axp-global-header__dls__module___2gPze .axp-global-header__ChangeLocale__changeLanguage___2elPR { display: none !important; } .trends-insights-outer-wrapper .axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop { display: none; } </style><style data-react-helmet="true" type="text/css" id="navSearchStyleHandling"> .trends-insights-outer-wrapper #axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17+.axp-global-header__GlobalHeader__searchSpacer___Am_uo { display: block; } </style><style data-react-helmet="true" type="text/css" id="fixHeadingIcon">.axp-global-header__GlobalHeader__btnIconInline___3-Yyj::before { font-family: dls-icons !important }</style><style data-react-helmet="true" type="text/css" id="stickyNavHandling"> .trends-insights-outer-wrapper .axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navSticky___2Ns68 { position: relative !important; } .axp-global-header__GlobalHeader__headerSpacer___1QFWZ { display: none; } </style><style data-react-helmet="true" type="text/css" id="editorialBodyPQStyles"> .secondary-content-wrapper { font-family: 'BentonSans'; display: block; position: relative; margin-top: 30px; margin-bottom: 30px; margin-left: 10px !important } @media (min-width: 426px) and (max-width: 767px) { .secondary-content-wrapper { margin-top: 80px !important; } } @media (min-width: 426px) and (max-width: 2560px) { .secondary-content-wrapper { margin-right: 20%; } } .secondary-content-wrapper .text { -ms-flex: 0 0 41.6666666667%; flex: 0 0 41.6666666667%; max-width: 41.6666666667%; display: inline; position: relative; margin-top: 1.875rem; margin-right: 20%; font-family: "BentonSans-Black", "BentonSans", Arial, Helvetica, sans-serif; text-transform: uppercase; background-color: #006FCF; box-shadow: 0.5rem 0 0 1px #006FCF, -0.5rem 0 0 1px #006FCF; color: #ffffff; line-height: 1.75rem; font-size: 1.375rem; font-weight: 600; &::before { content: ' '; display: inline-block; margin-top: 2.75rem; } } @media screen and (min-width: 767px) { .secondary-content-wrapper .text { line-height: 2.125rem; font-size: 1.75rem; } } @media (max-width: 425px) { .secondary-content-wrapper { margin-bottom: 80px !important; } .secondary-content-wrapper .text { top: 60px; position: relative; padding-top: 10px; line-height: 2.125rem; } } .secondary-content-wrapper p em { color: #333333; text-decoration: underline; } @media (min-width: 1024px) and (max-width: 1365px) { .secondary-content-wrapper:before { left: -50px; } } @media (min-width: 768px) and (max-width: 1023px) { .secondary-content-wrapper:before { left: -73px; } } @media (min-width: 426px) and (max-width: 767px) { .secondary-content-wrapper:before { left: 0px; top: -65px !important; transform: translate(0%, 0%) !important; } } @media (max-width: 425px) { .secondary-content-wrapper:before { left: 0px; top: 0px !important; transform: translate(0%, 0%) !important; } } @media (min-width: 1366px) { .secondary-content-wrapper:after { width: 166px; background-size: 166px 95px; right: 88%; } } @media (min-width: 1024px) and (max-width: 1365px) { .secondary-content-wrapper:after { width: 95px; background-size: 145px 95px; right: 90%; } } @media (min-width: 768px) and (max-width: 1023px) { .secondary-content-wrapper:after { width: 130px; background-size: 130px 95px; right: 84%; } } </style> <link data-react-helmet="true" rel="preconnect" href="https://www.aexp-static.com" crossOrigin="true"/><link data-react-helmet="true" rel="preconnect" href="https://googleads.g.doubleclick.net"/><link data-react-helmet="true" rel="preconnect" href="https://static.doubleclick.net"/><link data-react-helmet="true" rel="preconnect" href="https://www.google.com"/><link data-react-helmet="true" rel="preconnect" href="https://yt3.ggpht.com"/><link data-react-helmet="true" rel="preconnect" href="https://i.ytimg.com"/><link data-react-helmet="true" rel="dns-prefetch" href="https://www.aexp-static.com" crossOrigin="true"/><link data-react-helmet="true" rel="dns-prefetch" href="https://googleads.g.doubleclick.net"/><link data-react-helmet="true" rel="dns-prefetch" href="https://static.doubleclick.net"/><link data-react-helmet="true" rel="dns-prefetch" href="https://www.google.com"/><link data-react-helmet="true" rel="dns-prefetch" href="https://yt3.ggpht.com"/><link data-react-helmet="true" rel="dns-prefetch" href="https://i.ytimg.com"/><link data-react-helmet="true" rel="preload" href="https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls/6.25.5/package/dist/6.25.5/styles/dls.min.css" crossOrigin="true"/><link data-react-helmet="true" rel="icon" href="https://www.americanexpress.com/favicon.ico"/><link data-react-helmet="true" rel="stylesheet" href="https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls/6.25.5/package/dist/6.25.5/styles/dls.min.css"/><link data-react-helmet="true" rel="canonical" href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/navigating-accounts-receivable-for-building-success/"/><link data-react-helmet="true" rel="dns-prefetch" href="https://omns.americanexpress.com/"/><link data-react-helmet="true" rel="dns-prefetch" href="https://assets.adobedtm.com/"/><link data-react-helmet="true" rel="dns-prefetch" href="https://nexus.ensighten.com/"/><link data-react-helmet="true" rel="dns-prefetch" href="https://lptag.liveperson.net/"/> <style class="ssr-css">a.axp-forum-header__ForumHeader__skip___2w2x2:focus{font-size:.8em;width:auto;height:auto;clip:auto;left:10px;top:10px;z-index:999}.axp-forum-header__ForumHeader__subnavWrapper___C0L3U{max-width:1200px !important;height:60px}.axp-forum-header__ForumHeader__desktopLogo___3TSNY{min-width:85px;width:85px;margin:8px 0px 8px}.axp-forum-header__ForumHeader__mobileLogo___23TGC{max-width:200px}.axp-forum-header__ForumHeader__subnavLink___GihBo{text-transform:none;text-decoration:none !important}.axp-forum-header__ForumHeader__subnavLink___GihBo :hover,.axp-forum-header__ForumHeader__subnavLink___GihBo :focus{color:#00175a}.axp-forum-header__ForumHeader__subnavText___3I0Fl p,.axp-forum-header__ForumHeader__subnavText___3I0Fl h3,.axp-forum-header__ForumHeader__subnavText___3I0Fl h4{font-family:BentonSans,"Helvetica Neue",Roboto,Helvetica,sans-serif;text-transform:none;font-weight:400;font-size:14px;line-height:20px}.axp-forum-header__ForumHeader__mobileDropdown___CapBc{height:calc(100vh - 60px);max-width:425px;margin-left:auto !important;right:0;z-index:99}.axp-forum-header__ForumHeader__dropdown___3FAmT .axp-forum-header__ForumHeader__subnavIcon___1TeYW{max-width:20px;margin-right:10px}.axp-forum-header__ForumHeader__dropdown___3FAmT .axp-forum-header__ForumHeader__panel___2E0nU{visibility:hidden}.axp-forum-header__ForumHeader__dropdown___3FAmT:hover{border-bottom:4px solid #00175a;outline:0px}.axp-forum-header__ForumHeader__dropdown___3FAmT:hover h3{color:#00175a;text-decoration:none !important}.axp-forum-header__ForumHeader__dropdown___3FAmT:hover .axp-forum-header__ForumHeader__panel___2E0nU{visibility:visible}.axp-forum-header__ForumHeader__dropdown___3FAmT:focus{text-decoration:none !important}@media(max-width: 1023px){.axp-forum-header__ForumHeader__hideMenuItem___1td0n{display:none !important}}.axp-forum-header__ForumHeader__menuLabelFocused___2fNQY{border-bottom:4px solid #00175a}.axp-forum-header__ForumHeader__menuLabelFocused___2fNQY h3{color:#00175a;text-decoration:none !important}.axp-forum-header__ForumHeader__description___3vQqi{line-height:1.125rem;font-size:12px !important}.axp-forum-header__ForumHeader__dottedFocus___1pEry:focus{outline:dotted 1px rgba(0,0,0,.3);outline-offset:3px;z-index:99}.axp-forum-header__ForumHeader__noOutlineOnFocus___3pC5q:focus{outline:0px}.axp-forum-header__ForumHeader__listStyleNone___SCDK_{list-style:none}.axp-forum-header__ForumHeader__panel___2E0nU{top:60px;z-index:999;left:-30px;min-width:245px}.axp-forum-header__ForumHeader__subnavSection___ZjTsT{min-width:250px}@media(max-width: 1023px){.axp-forum-header__ForumHeader__topicMenu___1PBMC h4{margin-left:-10px !important;font-size:14px}.axp-forum-header__ForumHeader__topicMenu___1PBMC li,.axp-forum-header__ForumHeader__topicMenu___1PBMC p{padding-left:5px}}@media(min-width: 1024px){.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU{width:100vw;max-width:100vw;position:absolute;left:auto;right:0px !important;text-align:left}.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU .axp-forum-header__ForumHeader__description___3vQqi{max-width:150px}.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU h4{font-size:16px;line-height:22px}}@media(min-width: 1200px){.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU{width:1200px;max-width:1200px}}.axp-forum-header__ForumHeader__topicMenu___1PBMC .axp-forum-header__ForumHeader__panel___2E0nU .axp-forum-header__ForumHeader__subnavSection___ZjTsT{min-width:235px;padding-right:10px !important}@media(min-width: 426px){.axp-forum-header__ForumHeader__logoMargin___1VANM{margin-left:auto !important}}@media(min-width: 320px)and (max-width: 425px){.axp-forum-header__ForumHeader__logoMargin___1VANM{margin-left:20px !important}}.axp-forum-header__ForumHeader__height60___2jgHC{height:60px !important}.axp-forum-header__ForumHeader__right20___1y11x .axp-forum-header__ForumHeader__panel___2E0nU{right:-20px !important}.axp-forum-header__ForumHeader__right30___1u79- .axp-forum-header__ForumHeader__panel___2E0nU{right:-30px !important}.axp-forum-header__ForumHeader__right150___2Wfy- .axp-forum-header__ForumHeader__panel___2E0nU{right:-150px !important}.axp-forum-header__ForumHeader__right175____w30_ .axp-forum-header__ForumHeader__panel___2E0nU{right:-175px !important}.axp-forum-header__ForumHeader__right210___JKhe3 .axp-forum-header__ForumHeader__panel___2E0nU{right:-210px !important}.axp-forum-header__ForumHeader__right240___11eej .axp-forum-header__ForumHeader__panel___2E0nU{right:-240px !important}.axp-forum-header__ForumHeader__right305___9tRRD .axp-forum-header__ForumHeader__panel___2E0nU{right:-305px !important}.axp-forum-header__ForumHeader__right315___GaWCt .axp-forum-header__ForumHeader__panel___2E0nU{right:-315px !important}.axp-forum-header__ForumHeader__left175___pX96d .axp-forum-header__ForumHeader__panel___2E0nU{left:-175px}.axp-forum-header__ForumHeader__left375___2N7z0 .axp-forum-header__ForumHeader__panel___2E0nU{left:-375px}.axp-forum-header__ForumHeader__iconOverrides___3LGjf:before{font-size:.8rem !important}</style><style class="ssr-css">.axp-forum-root__ForumRoot__removeOverflowHidden___2tyvt{overflow-x:initial}.axp-forum-root__ForumRoot__ErrorLayout___6p5Ye .alert{margin:0 auto}.axp-forum-root__ForumRoot__errorMain___3CD3f{max-width:1000px;width:100%;margin:0 auto;padding:10px}aside.axp-forum-root__ForumRoot__offlineWarning___3UQaX{z-index:1002}.axp-forum-root__ForumRoot__offlineFontFetcher___2mtX1{position:absolute}.axp-forum-root__ForumRoot__offlineFontFetcher___2mtX1:before{content:" "}</style><style class="ssr-css">.axp-global-header__dls-module__module___1_EeR p{margin:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__heading1___1W4S5{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.8125rem;line-height:1.125rem;text-transform:uppercase}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__label2___13_8N{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.9375rem;line-height:1.375rem;color:#333}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8{display:inline-block;line-height:1;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8::before{-webkit-font-smoothing:antialiased;-webkit-text-stroke:0;-moz-osx-font-smoothing:grayscale;backface-visibility:hidden;display:block;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;line-height:1;letter-spacing:0;position:relative;speak:none;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8:hover{text-decoration:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8{font-size:1.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__icon___3MnX8::before{font-size:1.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{margin-left:auto;margin-right:auto;padding-left:10px;padding-right:10px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{padding-left:12px;padding-right:12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{padding-left:18px;padding-right:18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{padding-left:20px;padding-right:20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{padding-left:20px;padding-right:20px}}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{max-width:576px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{max-width:720px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{max-width:940px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__container___1xEgQ{max-width:1240px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{display:flex;flex-wrap:wrap;margin-left:-5px;margin-right:-5px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{margin-left:-6px;margin-right:-6px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{margin-left:-9px;margin-right:-9px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{margin-left:-10px;margin-right:-10px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__row___3H3xq{margin-left:-10px;margin-right:-10px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{position:relative;flex:0 0 100%;max-width:100%;min-height:1px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:5px;padding-right:5px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:6px;padding-right:6px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:9px;padding-right:9px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd3___jggxl{flex:0 0 25%;max-width:25%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd4___3sBTD{flex:0 0 33.3333333333%;max-width:33.3333333333%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd6___22fwT{flex:0 0 50%;max-width:50%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd8___2_bMZ{flex:0 0 66.6666666667%;max-width:66.6666666667%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMd12___3KJgk{flex:0 0 100%;max-width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMdPull4___3Je7t{right:33.3333333333%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__colMdPush4___phTMk{left:33.3333333333%}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:10px;padding-right:10px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__col___9B4qP{padding-left:10px;padding-right:10px}}.axp-global-header__dls-module__module___1_EeR *,.axp-global-header__dls-module__module___1_EeR *::before,.axp-global-header__dls-module__module___1_EeR *::after{box-sizing:inherit}.axp-global-header__dls-module__module___1_EeR button,.axp-global-header__dls-module__module___1_EeR input{color:inherit;font-family:inherit;font-size:inherit;line-height:inherit}.axp-global-header__dls-module__module___1_EeR input::-webkit-credentials-auto-fill-button{visibility:hidden}.axp-global-header__dls-module__module___1_EeR [type=number]::-webkit-inner-spin-button,.axp-global-header__dls-module__module___1_EeR [type=number]::-webkit-outer-spin-button{-webkit-appearance:none}.axp-global-header__dls-module__module___1_EeR ul{padding-left:1.3Em}.axp-global-header__dls-module__module___1_EeR ul{margin-top:0;margin-bottom:0}.axp-global-header__dls-module__module___1_EeR ul ul{margin-bottom:0}.axp-global-header__dls-module__module___1_EeR sup,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__sup___2wzrK{top:0;font-size:.55Em;line-height:1;vertical-align:super}.axp-global-header__dls-module__module___1_EeR a{background-color:rgba(0,0,0,0);color:#006fcf;text-decoration:none;cursor:pointer;transition:color .25S ease-out,background-color .25S ease-out}.axp-global-header__dls-module__module___1_EeR a:hover{text-decoration:underline}.axp-global-header__dls-module__module___1_EeR a:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-global-header__dls-module__module___1_EeR img{max-width:100%;width:auto;height:auto;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR button,.axp-global-header__dls-module__module___1_EeR [role=button]{cursor:pointer}.axp-global-header__dls-module__module___1_EeR button{min-width:0;max-width:none;padding:0;margin:0;border-radius:0;border:0;background-color:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR a,.axp-global-header__dls-module__module___1_EeR button,.axp-global-header__dls-module__module___1_EeR [role=button],.axp-global-header__dls-module__module___1_EeR input,.axp-global-header__dls-module__module___1_EeR label{touch-action:manipulation}.axp-global-header__dls-module__module___1_EeR label{display:inline-block;margin-bottom:.3125rem;color:#53565a}.axp-global-header__dls-module__module___1_EeR button:focus,.axp-global-header__dls-module__module___1_EeR input[type=submit]:focus,.axp-global-header__dls-module__module___1_EeR input[type=button]:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-global-header__dls-module__module___1_EeR input,.axp-global-header__dls-module__module___1_EeR button{margin:0;line-height:inherit;border-radius:0}.axp-global-header__dls-module__module___1_EeR input[type=search]{box-sizing:inherit;-webkit-appearance:none}.axp-global-header__dls-module__module___1_EeR input[type=search]::-webkit-search-cancel-button{display:none}.axp-global-header__dls-module__module___1_EeR [hidden]{display:none !important}.axp-global-header__dls-module__module___1_EeR hr{width:100%;border:0;border-top:1px solid #ecedee;margin-top:0;margin-bottom:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf{-webkit-appearance:none;background-color:#f7f8f9;border:.0625rem solid #8e9092;border-radius:.25rem;color:#333;display:block;font-size:1rem;line-height:1.375rem;min-height:3.125rem;padding:0 .625rem;transition:border-color .25S ease-out;width:100%;min-width:5rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf::-ms-expand{background-color:rgba(0,0,0,0);border:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf::-moz-placeholder{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf::placeholder{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:-ms-input-placeholder{color:#53565a !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf::-ms-clear{display:none;width:0;height:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:active:not(.axp-global-header__dls-module__disabled___VWY5R),.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:focus:not(.axp-global-header__dls-module__disabled___VWY5R) .axp-global-header__dls-module__formControl___2tgsf:active:not(:disabled),.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:focus:not(:disabled){border-color:#006fcf;outline:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:disabled{background-color:#f7f8f9;border-color:#8e9092 !important;opacity:1}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__formControl___2tgsf:invalid{box-shadow:none}.axp-global-header__dls-module__module___1_EeR label{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnForm___2xdGG{background:rgba(0,0,0,0);min-width:3rem;padding:.625rem;position:absolute;bottom:0;right:0;top:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnForm___2xdGG:hover{background:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY{border:1px solid rgba(0,0,0,0);cursor:pointer;display:inline-block;font-weight:normal;max-width:17.5rem;min-width:11.25rem;overflow:hidden;position:relative;text-align:center;text-overflow:ellipsis;transition:all .2S ease-in-out;transition-property:color,background-color,border-color;-webkit-user-select:none;-moz-user-select:none;user-select:none;vertical-align:middle;white-space:nowrap;padding:.8125rem 1.875rem;font-size:1rem;line-height:1.375rem;border-radius:.25rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:focus,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:hover{text-decoration:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:disabled{box-shadow:none;cursor:not-allowed;background:#f7f8f9 !important;border-color:#c8c9c7 !important;color:#8e9092 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:disabled::after{border-color:#c8c9c7;color:#c8c9c7}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnSm___2iwWq{padding:.5rem 1.25rem;font-size:.9375rem;line-height:1.375rem;border-radius:.1875rem;max-width:16.25rem;min-width:6.875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnInline___JVsCI{display:inline-block;max-width:none;min-width:0;vertical-align:top;width:auto}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY{color:#fff;background:#006fcf}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:hover{background:#0069c4}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btn___3VhJY:active{background:#0063b9}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnTertiary___2pbac{color:#006fcf;background:rgba(0,0,0,0);border-color:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnTertiary___2pbac:hover{color:#0065bd;background:#f2f2f2}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnTertiary___2pbac:active{color:#005aa8;background:#e5e5e5}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg{align-items:center;display:inline-flex;min-width:2.625rem;justify-content:center;padding-right:1.875rem;padding-left:1.875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg::before{-webkit-font-smoothing:antialiased;-webkit-text-stroke:0;-moz-osx-font-smoothing:grayscale;backface-visibility:hidden;display:block;font-style:normal;font-size:1.75rem;font-weight:normal;font-variant:normal;text-transform:none;position:relative;speak:none;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg.axp-global-header__dls-module__btnInline___JVsCI{display:inline-fle;padding-right:.625rem;padding-left:.625rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg.axp-global-header__dls-module__btnSm___2iwWq{padding-right:1.25rem;padding-left:1.25rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg.axp-global-header__dls-module__btnSm___2iwWq::before{font-size:1.375rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg.axp-global-header__dls-module__btnSm___2iwWq.axp-global-header__dls-module__btnInline___JVsCI{padding-right:.375rem;padding-left:.375rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg::before,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg span{display:inline-block;vertical-align:middle}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__btnIcon___Yc2xg span{padding-left:10px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__caret___3BPtC{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__caret___3BPtC>span:first-child{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;display:inline-block;position:relative;transform:rotate(0deg);transition:color .25S ease-out,transform .25S ease-out}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsFlag___2XjvY{background-size:cover;display:inline-block;font-size:0;height:4.3125rem;outline:1px solid #8e9092;width:6.25rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsFlag___2XjvY img{vertical-align:top;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__flagSm___BQchq{height:.6875rem;width:1rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__list___3KSxW{padding:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b{padding-left:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b li{display:inline-block;white-space:nowrap}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b li:first-child:not(:last-child),.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b li+li{padding-right:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__listLinksInlineSeparator___25k9b li:not(:last-child)::after{color:#8e9092;content:"|";font-size:1.2rem;font-weight:200;margin-left:.625rem;margin-right:.625rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoBlueboxSolidSm___13LtE{display:inline-block;width:45px;height:45px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoBlueboxSolidSm___13LtE img{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoLineSm___3Z4Ki{display:inline-block;width:235px;height:15px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoLineSm___3Z4Ki img{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoStackXs___tfyDg{display:inline-block;width:90px;height:25px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoStackXs___tfyDg img{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoStackSm___3ssQI{display:inline-block;width:100px;height:28px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsLogoStackSm___3ssQI img{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navSticky___2Ns68{left:0;position:fixed !important;top:0;width:100%;z-index:99}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L{z-index:99;background:#fff}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navMenu___2v96a{list-style:none;padding-left:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L ul,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L li,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navMenu___2v96a ul,.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navMenu___2v96a li{padding:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navOverlay___3fdBz{background-color:rgba(142,144,146,.08);bottom:0;left:0;opacity:0;position:fixed;right:0;top:3.125rem;transition:visibility .5S ease-out,opacity .5S ease-out;visibility:hidden}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navLink___2iw6Y{color:#006fcf;display:block;position:relative;-webkit-user-select:none;-moz-user-select:none;user-select:none;white-space:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:none;text-decoration:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navLink___2iw6Y:focus{z-index:100;outline:1px dashed #53565a;outline-offset:-3px !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L.axp-global-header__dls-module__navLarge___LYxP0{min-height:3.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__nav___9Aq3L.axp-global-header__dls-module__navLarge___LYxP0 .axp-global-header__dls-module__navOverlay___3fdBz{top:3.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T{position:relative;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navMenu___2v96a{align-items:center;display:inline-flex;position:relative;vertical-align:middle;white-space:nowrap;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{color:#53565a;margin:0;padding-top:.625rem;padding-bottom:0;padding-left:10px;padding-right:10px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{padding-left:12px;padding-right:12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{padding-left:18px;padding-right:18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{padding-left:20px;padding-right:20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__heading1___1W4S5{padding-left:20px;padding-right:20px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T.axp-global-header__dls-module__border___2o-CH>.axp-global-header__dls-module__navMenu___2v96a{bottom:-1px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y{padding-top:.8125rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y::after{background-color:rgba(0,0,0,0);bottom:0;content:"";display:block;height:4px;left:.9375rem;margin-top:.8125rem;right:.9375rem;transition:all .25S cubic-bezier(0.65, 0, 0.45, 1)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,0)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y:hover::after{background-color:#c8c9c7}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{content:none !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T.axp-global-header__dls-module__navLarge___LYxP0 .axp-global-header__dls-module__navMenu___2v96a>li>.axp-global-header__dls-module__navLink___2iw6Y{padding-top:1.1875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5{flex:0 0 auto}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a{background-color:#fff;opacity:0;pointer-events:none;position:absolute;top:100%;transition:opacity .25S,visibility .25S;visibility:hidden;width:280px;z-index:10}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navItem___2SJY5{display:block}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y{border-bottom:0;color:#006fcf !important;margin:0;padding-top:.6875rem;padding-bottom:.6875rem;white-space:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y::after{display:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y:hover{text-decoration:underline}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a.axp-global-header__dls-module__navMenuFull___1-BbS{align-items:flex-start;left:0;margin:0;padding-top:.625rem;padding-bottom:.625rem;position:absolute;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a.axp-global-header__dls-module__navMenuFull___1-BbS .axp-global-header__dls-module__navMenuSection___1sl2X{padding:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenuFull___1-BbS{left:0;margin:0;padding-top:.625rem;padding-bottom:.625rem;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y::after{display:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:10px;padding-right:10px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:12px;padding-right:12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:18px;padding-right:18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:20px;padding-right:20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-left:20px;padding-right:20px}}.axp-global-header__dls-module__module___1_EeR :root .axp-global-header__dls-module__navHorizontal___1Yh_T .axp-global-header__dls-module__navItem___2SJY5[aria-expanded=true]>.axp-global-header__dls-module__navMenu___2v96a{opacity:.99 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__heading1___1W4S5{color:#53565a;margin:0;padding:.75rem .875rem .75rem 1.875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navMenu___2v96a{overflow:hidden}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 10px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y{padding:.9375rem 20px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,.05);color:#0065bd}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y:focus{outline:1px dashed #53565a;outline-offset:-3px}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC>span:first-child{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-top:-0.6Em;position:absolute;top:50%;transform:rotate(0deg);transition:color .25S ease-out,transform .25S ease-out;left:12px;color:#53565a}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{left:12px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{left:18px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{left:20px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{left:20px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true]{background-color:#f7f8f9;color:#006fcf}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true]:hover{background-color:rgba(0,0,0,.05);color:#0065bd}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true]:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navOverlay___3fdBz{display:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:55px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:57px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:63px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:65px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__heading1___1W4S5{padding-left:65px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{text-align:left;width:100%;padding-left:35px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{padding-left:37px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{padding-left:43px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{padding-left:45px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y{padding-left:45px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>li .axp-global-header__dls-module__navLink___2iw6Y .axp-global-header__dls-module__icon___3MnX8::before{font-size:1.375rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:55px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:57px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:63px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:65px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__heading1___1W4S5{padding-left:65px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:55px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:57px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:63px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:65px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:65px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{margin-left:.75rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:75px}@media(min-width: 375px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:77px}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:83px}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:85px}}@media(min-width: 1280px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y{padding-left:85px}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp.axp-global-header__dls-module__navChevron___2O6CN .axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul>.axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a>.axp-global-header__dls-module__navMenuSection___1sl2X>ul .axp-global-header__dls-module__navLink___2iw6Y.axp-global-header__dls-module__caret___3BPtC::before{margin-left:1.5rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5{display:block;float:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5+.axp-global-header__dls-module__navItem___2SJY5{margin-bottom:0;margin-top:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a{height:auto;max-height:0;overflow:hidden;transition:max-height .4S ease-out}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X{flex:inherit;max-width:100%;padding:0;width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__heading1___1W4S5{margin:0;padding-top:1.25rem;padding-bottom:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5>.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y{padding-top:.6875rem;padding-bottom:.6875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp .axp-global-header__dls-module__navItem___2SJY5 .axp-global-header__dls-module__navLink___2iw6Y[aria-expanded=true].axp-global-header__dls-module__caret___3BPtC::before{transform:rotate(90deg)}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a{max-height:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X{background-color:#f7f8f9}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__navLink___2iw6Y{background-color:#f7f8f9;color:#0065bd}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,.05);color:#005aa8}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navMenuSection___1sl2X .axp-global-header__dls-module__navLink___2iw6Y:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navItem___2SJY5[aria-expanded=true]>.axp-global-header__dls-module__navLink___2iw6Y{background-color:#ecedee;color:#00175a !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-global-header__dls-module__navMenu___2v96a .axp-global-header__dls-module__navLink___2iw6Y:hover{background-color:#f7f8f9}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__navVertical___3hGDp [aria-expanded=true]>.axp-global-header__dls-module__navMenuFull___1-BbS{padding-bottom:1.875rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn{position:relative}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn>input{padding-right:2.8125rem}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn>input:focus+button{color:#006fcf}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn>input::-ms-clear{display:none}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__search___1jBKn>button{color:#53565a}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__border___2o-CH{border:.0625rem solid #ecedee}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__borderT___CEGgm{border-top:.0625rem solid #ecedee}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__borderB___1dc4K{border-bottom:.0625rem solid #ecedee}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__borderL___1sO7H{border-left:.0625rem solid #ecedee}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__srOnly___u78M4{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);-webkit-clip-path:polygon(0 0, 0 0, 0 0, 0 0);clip-path:polygon(0 0, 0 0, 0 0, 0 0);border:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__displayNone___3VUuZ{display:none !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__displayBlock___ubmQb{display:block !important;speak:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__displayInline___2f0yX{display:inline !important;speak:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__flex___3Gsxz{display:flex !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__positionRelative___2cdGs{position:relative !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__widthFull___3ApM9{width:100%}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__fluid___1ow0i{width:100% !important;max-width:none !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hidden___ZjiBp{display:none !important}@media(max-width: 767px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hiddenSmDown___7zgQf{display:none !important}}@media(min-width: 768px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hiddenMdUp___2R91O{display:none !important}}@media(max-width: 1023px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hiddenMdDown___1OwKR{display:none !important}}@media(min-width: 1024px){.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__hiddenLgUp___9OX8f{display:none !important}}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__invisible___15wdH{visibility:hidden !important;opacity:0}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__marginLr___26Z5R{margin-left:1.25rem !important;margin-right:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__margin0___3S0s6{margin:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__margin0B___112vq{margin-bottom:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__margin1R___BEOhT{margin-right:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__margin1Lr___3zPVW{margin-left:.625rem !important;margin-right:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad0LXsUp___yBhX3{padding-left:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1LXsUp___weeIC{padding-left:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__padTb___3-Cwz{padding-top:1.25rem !important;padding-bottom:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__padT___EykJE{padding-top:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__padB___29gTP{padding-bottom:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad0___1QHU5{padding:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad0B___3S7m1{padding-bottom:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad0Lr___6M-vV{padding-left:0 !important;padding-right:0 !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1L___1mkJA{padding-left:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1R___hu7Zw{padding-right:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1Lr___2Fa-x{padding-left:.625rem !important;padding-right:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad1Tb___1rd7R{padding-top:.625rem !important;padding-bottom:.625rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__pad2L___Gugdk{padding-left:1.25rem !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__textWrap___3wMeN{word-wrap:break-word;white-space:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__fontWeightNormal___2V-SL{font-weight:normal}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsBrightBlue___3kbV8{color:#006fcf !important;fill:#006fcf !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsWhite___VccON{color:#fff !important;fill:#fff !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsWhiteBg___2unIs{background-color:#fff !important}.axp-global-header__dls-module__module___1_EeR .axp-global-header__dls-module__dlsGray01Bg___ZmrCk{background-color:#f7f8f9 !important}@font-face{font-family:"amex-card-number";font-weight:normal;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/amex22.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/amex22.woff2") format("woff2")}@font-face{font-family:"amex-card-name";font-weight:normal;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/amexcarembbaboo.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/amexcarembbaboo.woff2") format("woff2")}@font-face{font-family:"Guardian";font-font-style:normal;font-weight:400;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/guardianregular.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/guardianregular.woff2") format("woff2")}@font-face{font-family:"BentonSans";font-weight:300;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/325e6ad0-38fb-4bad-861c-d965eab101d5-3.woff") format("woff")}@font-face{font-family:"BentonSans";font-weight:400;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/3be50273-0b2e-4aef-ae68-882eacd611f9-3.woff") format("woff")}@font-face{font-family:"BentonSans";font-weight:500;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.27.0/package/dist/fonts/0fababca-4914-46dd-9b0f-efbd51f67ae8-3.woff") format("woff")} .axp-global-header__ChangeLocale__changeLocale___57nLN{min-height:0 !important}@media(max-width: 1023px){.axp-global-header__ChangeLocale__changeLocale___57nLN .axp-global-header__ChangeLocale__localeContainer___1CSDT{padding-left:.6875rem}}@media(max-width: 767px){.axp-global-header__ChangeLocale__changeLocale___57nLN .axp-global-header__ChangeLocale__localeContainer___1CSDT{padding-left:.875rem}}@media(min-width: 1024px){.axp-global-header__ChangeLocale__changeLocale___57nLN .axp-global-header__ChangeLocale__localeContainer___1CSDT{padding-left:.625rem}}.axp-global-header__ChangeLocale__changeLocale___57nLN .axp-global-header__ChangeLocale__localeContainer___1CSDT a:hover{background:none;text-decoration:underline}.axp-global-header__ChangeLocale__changeLanguage___2elPR section{display:inline}.axp-global-header__ChangeLocale__changeLanguage___2elPR section>span:after{content:"";border-right:1px solid #53565a;margin:0 .625rem}.axp-global-header__ChangeLocale__changeLanguage___2elPR ul{display:inline}.axp-global-header__ChangeLocale__changeLanguage___2elPR section>ul>li{display:inline !important}.axp-global-header__ChangeLocale__textPadding___1Bsfa{padding-top:.85rem !important}.axp-global-header__ChangeLocale__tabsOutline___3wtTe{outline:0px !important} .axp-global-header__GlobalHeader__list___eg7fM svg{fill:#fff;width:1.375rem;height:1.375rem;stroke:#fff;stroke-width:2px}.axp-global-header__GlobalHeader__globalHeader___MXh17{-webkit-tap-highlight-color:rgba(0,0,0,0);-webkit-font-smoothing:antialiased;z-index:99;max-width:100vw;color:#000;font-family:Helvetica Neue,Roboto,sans-serif;font-size:.9375rem;line-height:1.45667;box-sizing:border-box}.axp-global-header__GlobalHeader__globalHeader___MXh17 *{box-sizing:border-box}.axp-global-header__GlobalHeader__globalHeader___MXh17 img{vertical-align:middle}.axp-global-header__GlobalHeader__globalHeader___MXh17 label{text-transform:none}.axp-global-header__GlobalHeader__globalHeader___MXh17 a{color:#006fcf;cursor:pointer;text-decoration:none;transition:color .25s ease-out,background-color .25s ease-out}.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__navContainer___1rC-J,.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__verticalNav___1aQcq .axp-global-header__GlobalHeader__navContainer___1rC-J,.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__searchBar___3Fr-v .axp-global-header__GlobalHeader__navContainer___1rC-J{position:static !important;max-width:1240px;background:rgba(0,0,0,0)}.axp-global-header__GlobalHeader__globalHeader___MXh17 .container{max-width:1240px}.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__searchBar___3Fr-v .search-form{padding:0px}.axp-global-header__GlobalHeader__headerSpacer___1QFWZ{min-height:3.825rem}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchOpen___1tziw{background:rgba(0,0,0,.1)}.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__searchOpen___1tziw,.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__searchClosed___C1OtT,.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__helpLink___1fYs8{background:rgba(0,0,0,0)}.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__searchOpen___1tziw:hover,.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__searchClosed___C1OtT:hover,.axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__helpLink___1fYs8:hover{background:rgba(0,0,0,.1)}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchOpen___1tziw svg,#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchClosed___C1OtT svg{fill:#fff}@media(max-width: 1123px){#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G{background:#006fcf}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__helpLink___1fYs8{color:#fff;transition:none}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchOpen___1tziw:hover,#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchClosed___C1OtT:hover,#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__helpLink___1fYs8:hover{background:rgba(0,0,0,.1)}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btn___2_IVU{border-color:#fff;color:#fff}}.axp-global-header__GlobalHeader__withSAN___1pi4o #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G{background:#006fcf}.axp-global-header__GlobalHeader__withSAN___1pi4o #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btn___2_IVU{border-color:#fff;color:#fff}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__open___2z8sT{display:inline-block}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__closed___35m2e{display:none}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__helpLink___1fYs8{color:#fff;transition:none}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__openLogout___Y7UHl{display:inline-block}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__authenticated___2A-ma .axp-global-header__GlobalHeader__closedLogout___3PWnS{display:none}.axp-global-header__GlobalHeader__horizontalNav___4yi5G{z-index:1}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__open___2z8sT{display:none;border-color:#fff}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__openLogout___Y7UHl{display:none;color:#fff}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__closedLogout___3PWnS{display:inline-block}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btnPadding___2r35N{padding:.63rem 1.25rem !important}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btnLineHeight___3tiaR{line-height:1.625rem}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__searchPadding___3lVlJ{padding-top:.66rem !important;padding-bottom:.66rem !important}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__logoNavLink___3Kj66{padding:0}@media(max-width: 1123px){.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__logoNavLink___3Kj66{padding-top:.875rem;padding-bottom:.875rem}}.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__logoNavLink___3Kj66>span{display:inline-block}@media(min-width: 1124px){#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__withoutSAN___2Nbk1 .axp-global-header__GlobalHeader__horizontalNav___4yi5G{background:#fff}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__withoutSAN___2Nbk1 .axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__btn___2_IVU{border-color:rgba(0,0,0,0);color:#fff}}.axp-global-header__GlobalHeader__spacer___2WuMl{flex-grow:1}.axp-global-header__GlobalHeader__centeredLogo___13QOF{left:50%;position:absolute;top:50%;transform:translate(-50%, -50%)}.axp-global-header__GlobalHeader__focSec___1OFxG:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-global-header__GlobalHeader__verticalNav___1aQcq{display:none;height:calc(100vh - 3.875rem);overflow-y:scroll;position:relative}@media(max-width: 767px){.axp-global-header__GlobalHeader__searchBar___3Fr-v+.axp-global-header__GlobalHeader__verticalNav___1aQcq{height:calc(100vh - 7.75rem)}}.axp-global-header__GlobalHeader__withSAN___1pi4o #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__verticalNav___1aQcq,.axp-global-header__GlobalHeader__withSAN___1pi4o #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__searchBar___3Fr-v+.axp-global-header__GlobalHeader__verticalNav___1aQcq{display:block}@media(max-width: 1123px){.axp-global-header__GlobalHeader__withoutSAN___2Nbk1 #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__verticalNav___1aQcq,.axp-global-header__GlobalHeader__withoutSAN___2Nbk1 #axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__searchBar___3Fr-v+.axp-global-header__GlobalHeader__verticalNav___1aQcq{display:block}}.axp-global-header__GlobalHeader__verticalNav___1aQcq label{font-size:.9375rem;font-weight:normal;line-height:1.4667;margin-bottom:0}.axp-global-header__GlobalHeader__focMen___38EXo:focus{outline:dashed 2px #53565a;outline-offset:3px}.axp-global-header__GlobalHeader__centeredLogoFoc___1f3tY:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-global-header__GlobalHeader__searchBar___3Fr-v{display:none}@media(max-width: 374px){#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G+.axp-global-header__GlobalHeader__searchBar___3Fr-v{display:block}}@media(min-width: 375px){#axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__searchBar___3Fr-v{display:block}}#axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__overlay___2nBF9{visibility:hidden !important;transition:none !important}.axp-global-header__GlobalHeader__searchSpacer___Am_uo{display:none;height:71px;width:100%}#axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17+.axp-global-header__GlobalHeader__searchSpacer___Am_uo{display:block}.axp-global-header__GlobalHeader__searchOffset___30fwd{top:0}#axp-global-header__GlobalHeader__searchOpener___1EZwv:checked+.axp-global-header__GlobalHeader__globalHeader___MXh17 .axp-global-header__GlobalHeader__searchOffset___30fwd{top:71px}.axp-global-header__GlobalHeader__vertNavMenuButton___1FIS5{min-width:2.625rem !important;vertical-align:middle}#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__vertNavMenuButton___1FIS5{border-color:#fff}.axp-global-header__GlobalHeader__menuPd___7u5Sz{padding-top:16% !important;padding-bottom:16% !important}.axp-global-header__GlobalHeader__vertNavLoginBtn___1ObQn{color:#fff !important}@media(max-width: 1123px){#axp-global-header__GlobalHeader__menuOpener___2kE0z:checked+.axp-global-header__GlobalHeader__horizontalNav___4yi5G .axp-global-header__GlobalHeader__vertNavLoginBtn___1ObQn{border-color:#fff}}@media(min-width: 1124px){.axp-global-header__GlobalHeader__media_width_high___1ViXM{display:none !important}}@media(max-width: 1123px){.axp-global-header__GlobalHeader__media_width_low___1WXb4{display:none !important}}#mainContent{scroll-margin-top:10rem}#mainContent:focus-visible{outline:none}#axp-global-header__GlobalHeader__skipToContent___1Y6sO a{padding:.375rem;position:absolute;top:-2.5rem;left:50%;transform:translateX(-50%);color:#fff;border:1px solid #fff;border-top:0;border-radius:0 0 .1875rem .1875rem;background:#333 !important;-webkit-transition:top 1s ease-out;transition:top 1s ease-out;text-decoration:none;z-index:100}#axp-global-header__GlobalHeader__skipToContent___1Y6sO a:focus,#axp-global-header__GlobalHeader__skipToContent___1Y6sO a:active{position:absolute;top:0;-webkit-transition:top .1s ease-in;transition:top .1s ease-in}#axp-global-header__GlobalHeader__skipToContent___1Y6sO a:visited{color:#fff}.axp-global-header__GlobalHeader__module___3Nbc3 .axp-global-header__GlobalHeader__navHorizontal___uzOn5 .axp-global-header__GlobalHeader__navItem___zbiKf>.axp-global-header__GlobalHeader__navMenu___3bLFb .axp-global-header__GlobalHeader__navLink___3fYuy{padding-top:.875rem !important}.axp-global-header__GlobalHeader__module___3Nbc3 .axp-global-header__GlobalHeader__btnForm___2xZ0K{padding:.725rem !important}.axp-global-header__GlobalHeader__tabsOutline___3K5U7:focus span:only-child{outline:none !important}@media(max-width: 1123px){#openmenumobile{display:block}} .axp-global-header__SmallMenu__smallMenu___2aDlp :checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH{background-color:#f7f8f9}.axp-global-header__SmallMenu__smallMenu___2aDlp :checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH>span:first-child{transform:rotate(90deg) !important}:checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH+.axp-global-header__SmallMenu__subMenu___3XMJu{height:auto !important;max-height:none !important;opacity:1 !important;display:contents !important}:checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH+.axp-global-header__SmallMenu__subMenu___3XMJu .axp-global-header__SmallMenu__link___2JSUk{color:#00175a;background-color:#ecedee}:checked+.axp-global-header__SmallMenu__subMenuLabel___37zVH+.axp-global-header__SmallMenu__subMenu___3XMJu .axp-global-header__SmallMenu__link___2JSUk:hover{background-color:#f0f1f1}:checked+.axp-global-header__SmallMenu__sectionOpener___11u29{background:#ecedee !important;color:#00175a !important}:not(:checked)+.axp-global-header__SmallMenu__subMenuLabel___37zVH+.axp-global-header__SmallMenu__subMenu___3XMJu{display:none}.axp-global-header__SmallMenu__displayNone___14Leo{display:none}.axp-global-header__SmallMenu__subMenuLabel___37zVH{overflow:hidden;text-overflow:ellipsis}.axp-global-header__SmallMenu__navItem___3BSZd{list-style-type:none}.axp-global-header__SmallMenu__helpfulMenu___T3eO8{padding:0 57px} .axp-global-header__LargeMenu__rightNav___1OD53{background:#fff;display:none;min-height:calc(100vh - 3.875rem) !important;position:absolute !important;top:0}:checked+label+.axp-global-header__LargeMenu__rightNav___1OD53{display:block}.axp-global-header__LargeMenu__sectionOpener___Ul74B{color:#006fcf;box-sizing:border-box}:checked+.axp-global-header__LargeMenu__sectionOpener___Ul74B{background:#ecedee;color:#00175a}.axp-global-header__LargeMenu__groupHeading___1zcVp{background:rgba(0,0,0,0) !important;padding:.75rem .875rem !important}.axp-global-header__LargeMenu__navMenu___1NrgB{background:rgba(0,0,0,0) !important;height:auto !important;max-height:none !important;margin:0 !important;opacity:1 !important;pointer-events:all !important;position:static !important;visibility:visible !important;width:100% !important}.axp-global-header__LargeMenu__leftNav___GKu4X{position:static !important}.axp-global-header__LargeMenu__menuOverlay___30Skv{height:100vh;position:fixed;top:3.875rem;width:100vw;z-index:-1}@media(max-width: 1023px){.axp-global-header__LargeMenu__largeMenu___1HrgC{margin:0 -20px}} .axp-global-header__Tabs__navTabs___XEPHn{position:static !important}#axp-global-header__Tabs__tabCloser___2jJeH,.axp-global-header__Tabs__tabOpen___1K4kz{display:inline}.axp-global-header__Tabs__tabOpener___1UPD9{display:inline}.axp-global-header__Tabs__tabsPadding___19KIS{padding-top:4% !important}.axp-global-header__Tabs__closedLabel___2Xajz{display:block !important}:checked+.axp-global-header__Tabs__closedLabel___2Xajz{display:none !important}.axp-global-header__Tabs__openLabel___27qRR{display:none !important}:checked+label+.axp-global-header__Tabs__openLabel___27qRR{display:block !important}.axp-global-header__Tabs__openLabel___27qRR:after{background-color:#006fcf !important}.axp-global-header__Tabs__subMenu___2hlGM{background:#f7f8f9 !important;top:100% !important}:checked+.axp-global-header__Tabs__closedLabel___2Xajz+.axp-global-header__Tabs__openLabel___27qRR+.axp-global-header__Tabs__subMenu___2hlGM{opacity:1;pointer-events:all;visibility:visible}.axp-global-header__Tabs__columnHeading___2Ul7j{background:none !important}.axp-global-header__Tabs__navTabs___XEPHn+label .axp-global-header__Tabs__navOverlay___2cKCf{visibility:visible;background-color:rgba(0,0,0,.5);opacity:1;top:3.8rem !important}#axp-global-header__Tabs__tabCloser___2jJeH+.axp-global-header__Tabs__navTabs___XEPHn+label .axp-global-header__Tabs__navOverlay___2cKCf{opacity:0;visibility:hidden} .axp-global-header__SearchBar__searchBar___1Pg5q{position:absolute;top:3.8125rem;left:0;width:100%;z-index:1}.axp-global-header__SearchBar__searchBar___1Pg5q .container .search-form{padding:0}.axp-global-header__SearchBar__searchBar___1Pg5q form.search{background:#f7f8f9}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__focSec___3u3jY:focus{outline:dashed 1px #53565a;outline-offset:2px}.axp-global-header__SearchBar__searchBar___1Pg5q .show-icon{display:flex !important}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__closeIcon___3Df0u{display:none;align-items:center;min-width:auto;right:42px}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__searchIcon___22ayq{display:flex;align-items:center;min-width:auto;border-left:.0625rem solid #8e9092}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__closeIcon___3Df0u:hover,.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__searchIcon___22ayq:hover{stroke-width:3;stroke:#000}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__searchInput___3aDra:focus~span .axp-global-header__SearchBar__searchIcon___22ayq{border-left:.0625rem solid #006fcf !important;fill:#006fcf}.axp-global-header__SearchBar__searchBar___1Pg5q .axp-global-header__SearchBar__searchInput___3aDra:focus~span .axp-global-header__SearchBar__searchIcon___22ayq:hover{stroke:#006fcf}</style><style class="ssr-css">form .axp-forum-form__LeadForm__winnieThePooh___33K_E{display:none !important}.axp-forum-form__LeadForm__leadFormWrapper___W_7mt .axp-forum-form__LeadForm__leadFormLink___3GvPH{color:#fff}.axp-forum-form__LeadForm__leadFormWrapper___W_7mt .axp-forum-form__LeadForm__leadFormLink___3GvPH:hover{color:#fff}@media only screen and (min-width: 768px){.axp-forum-form__LeadForm__leadFormWrapper___W_7mt .axp-forum-form__LeadForm__leadFormInfo___2Q8OS{height:100%}}</style><style class="ssr-css">.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{-ms-flex:0 0 41.6666666667%;flex:0 0 41.6666666667%;max-width:41.6666666667%;display:inline;position:relative;margin-top:1.875rem;margin-bottom:3.75rem;margin-right:20%;font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;text-transform:uppercase;background-color:#006fcf;box-shadow:.5rem 0 0 1px #006fcf,-0.5rem 0 0 1px #006fcf;color:#fff;line-height:1.75rem;font-size:1.375rem;font-weight:600}@supports(-moz-appearance: none){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{box-shadow:none}}@media screen and (min-width: 767px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{line-height:2.125rem;font-size:1.75rem}}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote::before{content:" ";display:inline-block;margin-top:2.75rem}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote a{color:#fff;text-decoration:underline}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote a:hover{text-decoration:none !important}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote+p{margin-top:28px;margin-bottom:10px}@media(max-width: 768px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote+p{margin-top:19.5px;margin-bottom:5px}}.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote+p i{display:block;position:relative;font-weight:normal;text-decoration:none;padding-bottom:10px;font-style:normal;color:#00175a;font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-size:1rem;line-height:1.5rem;text-transform:uppercase}@media(max-width: 768px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote+p i{font-size:.875rem;line-height:1.313rem}}@media(min-width: 1680px)and (max-width: 2560px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}}@media(min-width: 1440px)and (max-width: 1679px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}}@media(min-width: 1366px)and (max-width: 1439px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}}@media(min-width: 1024px)and (max-width: 1365px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-editorial-body__blockquote__postContent___5SNSe blockquote{margin-right:125px}} .axp-forum-editorial-body__editorial__lessonsNameNavigation___37RVx{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-size:.8125rem;line-height:1.375rem}.axp-forum-editorial-body__editorial__bentonSansBoldFont___36W5J{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-editorial-body__editorial__bentonSansBoldFont___36W5J{font-size:.875rem;line-height:1.25rem}}.axp-forum-editorial-body__editorial__postContent___2LwVN{color:#333}.axp-forum-editorial-body__editorial__postContent___2LwVN p{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-size:1rem;font-weight:400;line-height:1.5rem;margin-bottom:15px}.axp-forum-editorial-body__editorial__postContent___2LwVN h2{font-family:BentonSans,"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:600;font-size:1.875rem;line-height:2.375rem;margin:20px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN h3{font-family:BentonSans,"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:600;font-size:1.25rem;line-height:1.75rem;margin:20px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN h4{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:500;font-size:1rem;line-height:1.5rem;margin:20px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN h5{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:500;font-size:.9375rem;line-height:1.375rem;margin:20px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN h5 em,.axp-forum-editorial-body__editorial__postContent___2LwVN h6 em{font-weight:500;font-style:normal}.axp-forum-editorial-body__editorial__postContent___2LwVN h6{font-family:"Helvetica Neue",Roboto,Helvetica,sans-serif;font-weight:500;font-size:.8125rem;line-height:1.125rem;text-transform:uppercase}.axp-forum-editorial-body__editorial__postContent___2LwVN ol,.axp-forum-editorial-body__editorial__postContent___2LwVN ul{margin-bottom:20px}.axp-forum-editorial-body__editorial__postContent___2LwVN img{width:100%;margin:30px auto 10px}.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote{-ms-flex:0 0 41.6666666667%;flex:0 0 41.6666666667%;max-width:41.6666666667%;display:inline;position:relative;margin-top:1.875rem;margin-bottom:3.75rem;margin-right:20%;font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;text-transform:uppercase;background-color:#006fcf;box-shadow:.5rem 0 0 1px #006fcf,-0.5rem 0 0 1px #006fcf;color:#fff;line-height:1.75rem;font-size:1.375rem;font-weight:600}@supports(-moz-appearance: none){.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote{box-shadow:none}}@media screen and (min-width: 767px){.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote{line-height:2.125rem;font-size:1.75rem}}.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote::before{content:" ";display:inline-block;margin-top:2.75rem}.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote+p{margin-top:28px;margin-bottom:10px}@media(max-width: 768px){.axp-forum-editorial-body__editorial__postContent___2LwVN blockquote+p{margin-top:19.5px;margin-bottom:5px}}@media(max-width: 1024px){.axp-forum-editorial-body__editorial__mobilePadding___25xyD{padding-left:9px}}.axp-forum-editorial-body__editorial__infographicWrapper___RbtDp{margin-bottom:10px}.axp-forum-editorial-body__editorial__infographicWrapper___RbtDp img{width:100%;height:auto}@media(min-width: 768px){.axp-forum-editorial-body__editorial__postBodyPadding___2aORD{padding-right:50px !important}}.axp-forum-editorial-body__editorial__collapsibleContentWidth___2P-4g{width:100% !important}@media(min-width: 1680px)and (max-width: 2560px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:805px;margin-right:0%}}.axp-forum-editorial-body__editorial__lessonFont___3jpWy{font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif;font-weight:700;font-size:1rem;line-height:1rem}@media(max-width: 375px){.axp-forum-editorial-body__editorial__lessonFont___3jpWy{font-size:.9375rem;line-height:1.063rem}}@media(min-width: 1440px)and (max-width: 1679px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:733px;margin-right:0%}}@media(min-width: 1366px)and (max-width: 1439px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:665px;margin-right:0%}}@media(min-width: 1024px)and (max-width: 1365px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px;margin-right:20px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:595px;margin-left:1%;margin-right:0%}}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-editorial-body__editorial__postContent___2LwVN{padding-top:30px}.axp-forum-editorial-body__editorial__postContent___2LwVN div[data-bti-module-name=axp-forum-form]{width:625px;margin-right:0%}}@media(min-width: 1024px)and (max-width: 1365px){.axp-forum-editorial-body__editorial__removeOffset___nV2P5{margin-left:8% !important}}*::-ms-backdrop{margin-top:2%;width:339px}@media(min-width: 1921px)and (max-width: 2560px){*::-ms-backdrop{left:70%}}@media(min-width: 1440px)and (max-width: 1920px){*::-ms-backdrop{left:76%}}@media(min-width: 1366px)and (max-width: 1439px){*::-ms-backdrop{left:74%}}@media(min-width: 1024px)and (max-width: 1365px){*::-ms-backdrop{left:69%;width:305px !important}}@media(max-width: 1023px){*::-ms-backdrop{display:none}}@media(min-width: 769px)and (max-width: 2560px){*::-ms-backdrop,.axp-forum-editorial-body__editorial__flexItemGrowDesktop___34Tui{flex:auto !important}}@media(max-width: 768px){.axp-forum-editorial-body__editorial__tableOfContents___1M2PP{padding-top:0px !important}}@media(min-width: 768px){.axp-forum-editorial-body__editorial__tableOfContents___1M2PP{background-color:#006fcf;color:#fff}}.axp-forum-editorial-body__editorial__expanderTitle___1w4kd{color:#000 !important;font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;font-weight:600;line-height:1.5rem}@media(max-width: 767px){.axp-forum-editorial-body__editorial__expanderTitle___1w4kd{line-height:1.375rem;font-size:1.125rem}}.axp-forum-editorial-body__editorial__lessonBodyFont___3cg1-{font-size:1rem;line-height:1.5rem}@media(max-width: 767px){.axp-forum-editorial-body__editorial__lessonBodyFont___3cg1-{font-size:.875rem;line-height:1.313rem}}@media(min-width: 768px){.axp-forum-editorial-body__editorial__lessonBodyPadding___HlMte{width:56.33%}}.axp-forum-editorial-body__editorial__collapsibleContentTopPadding___2-zFW{height:0;padding-top:5px}@media(min-width: 768px){.axp-forum-editorial-body__editorial__collapsibleContentTopPadding___2-zFW{padding-top:15px}}.axp-forum-editorial-body__editorial__authorInfoWrap___jjpcA div>div>div:nth-of-type(2){margin-top:-10px}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorInfoWrap___jjpcA div>div>div>div:first-of-type{width:3.2rem !important}}.axp-forum-editorial-body__editorial__authorInfoWrap___jjpcA p:first-of-type{font-size:1rem}.axp-forum-editorial-body__editorial__authorInfoWrap___jjpcA p:nth-of-type(2){text-overflow:ellipsis;overflow:hidden;white-space:nowrap}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorDefault___7VM3g div>div>div:first-of-type{width:auto !important}}.axp-forum-editorial-body__editorial__authorDefault___7VM3g div>div>div:nth-of-type(2){margin-top:-10px;width:calc(100% - 70px)}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorDefault___7VM3g div>div>div>div:first-of-type{width:3.2rem !important}}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorDefault___7VM3g div>p:nth-of-type(2){font-size:.75rem;text-overflow:ellipsis;overflow:hidden;white-space:nowrap}}@media(min-width: 769px){.axp-forum-editorial-body__editorial__authorProfile___1o-Zb{margin-top:-12px !important;font-size:.8125rem}}@media screen and (max-width: 768px){.axp-forum-editorial-body__editorial__authorProfile___1o-Zb{margin-left:3.7rem;margin-top:-0.7rem;font-size:.75rem}}.axp-forum-editorial-body__editorial__smallPadLr___1Qw4P{padding-left:8px !important;padding-right:8px !important}@media(max-width: 335px){.axp-forum-editorial-body__editorial__previousLesson___2Bo6J{margin-left:20px;margin-top:-30px}.axp-forum-editorial-body__editorial__nextLesson___2KL71{margin-right:20px;margin-top:-3px}.axp-forum-editorial-body__editorial__nextLink___1fAqo{margin-top:-45px}}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-editorial-body__editorial__hideNavigation___zPMEw{display:none}}.axp-forum-editorial-body__editorial__accountForHeading___kDDcq{transform:translateY(-60px)} @media(min-width: 1024px){.axp-forum-editorial-body__tableOfContents__tableOfContents___36tOq{color:#fff !important}}.axp-forum-editorial-body__tableOfContents__tableOfContentsTile___3mMmh:hover{text-decoration:underline}.axp-forum-editorial-body__tableOfContents__tableOfContentsTile___3mMmh{cursor:pointer;font-weight:400 !important}@media(min-width: 1024px){.axp-forum-editorial-body__tableOfContents__tableOfContentsTile___3mMmh{color:#fff !important}}@media(max-width: 1023px){.axp-forum-editorial-body__tableOfContents__tableOfContentsTile___3mMmh{color:#333 !important}}.axp-forum-editorial-body__tableOfContents__contentsHeadingFont___2ZP8A{font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif;font-weight:600;font-size:1rem;line-height:1.375rem} @supports(-moz-appearance: none){.secondary-content-wrapper .text{box-shadow:none}}</style><style class="ssr-css">.axp-forum-author__Author__label4___2n2rY{font-size:.8125rem;line-height:1.25rem;color:#333}.axp-forum-author__Author__authorNameOverrides___1sE1T{font-weight:600;color:#333}.axp-forum-author__Author__authorAvatarImage___2pJfx{margin:0;background-size:cover;background-position:center center;background-repeat:no-repeat;overflow:hidden}.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorAvatarWrap___2ZTJ1,.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorInfoWrap____u6Se{vertical-align:top;display:inline-block}.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorAvatarWrap___2ZTJ1{margin-right:9px}@media(max-width: 767px){.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorAvatarWrap___2ZTJ1{width:100%}}.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorAvatarImage___2pJfx{width:3.2rem;height:3.2rem;border-radius:50%}@media(min-width: 768px){.axp-forum-author__Author__authorDefault___2BVWv .axp-forum-author__Author__authorInfoWrap____u6Se{width:calc(100% - 84px)}}.axp-forum-author__Author__authorCard___2qJn9{margin-top:30px}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorCardInner___1PpDQ{box-sizing:border-box;border:1px solid #c8c9c7;border-radius:4px;margin:10px 0}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__label4___2n2rY{font-size:.9375rem}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorName___908g8{margin-bottom:5px}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__cardLabel___I8F_z{font-size:1rem;font-weight:500}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorAvatarWrap___2ZTJ1,.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorInfoWrap____u6Se{display:inline-block;vertical-align:top}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorAvatarWrap___2ZTJ1{margin-right:20px}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorAvatarImage___2pJfx{width:4rem;height:4rem;border-radius:50%}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorInfoWrap____u6Se{width:calc(100% - 84px)}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorAvatarWrap___2ZTJ1,.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorInfoWrap____u6Se{display:inline-block;vertical-align:middle;margin-right:20px}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorInfoWrap____u6Se{padding-top:20px}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorAvatarImage___2pJfx{width:6.25rem;height:6.25rem;border-radius:50%}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorAvatarImageSquare___3i17x{border-radius:0}.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__truncateText___1Yar4{height:6.5rem;overflow:hidden}.axp-forum-author__Author__authorBio___ki2Yq p{font-size:1rem}.axp-forum-author__Author__authorBio___ki2Yq.axp-forum-author__Author__authorProfile___2PtmK .axp-forum-author__Author__authorAvatarWrap___2ZTJ1{vertical-align:top}@media only screen and (min-width: 400px){.axp-forum-author__Author__authorBio___ki2Yq .axp-forum-author__Author__authorInfoWrap____u6Se{padding-top:0}}@media only screen and (min-width: 768px){.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorCardInner___1PpDQ{padding:30px}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__cardLabel___I8F_z{font-size:1.25rem;font-weight:400;color:#333}.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorAvatarWrap___2ZTJ1,.axp-forum-author__Author__authorCard___2qJn9 .axp-forum-author__Author__authorInfoWrap____u6Se{vertical-align:middle}.axp-forum-author__Author__authorBio___ki2Yq p{font-size:1.25rem}}.axp-forum-author__Author__simpleText___1Iu81{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-weight:300;font-size:.813rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-author__Author__simpleText___1Iu81{font-size:.75rem;line-height:1.125rem}}</style><style class="ssr-css">.axp-forum-banner__ForumBanner__advertisementTitle___2xFjC{width:160px;font-weight:normal}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm{padding-top:15px}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerImage___3kI5c,.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{flex:1}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{box-sizing:border-box}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerDetails___1XWXq h2{font-weight:300;margin:0px auto}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD .axp-forum-banner__ForumBanner__bannerDetails___1XWXq p{font-size:.9375rem;line-height:1.375rem}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{position:relative;padding:20px 30px;z-index:2}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerDetails___1XWXq:after{content:"";top:0;left:0;bottom:0;right:0;position:absolute;width:100%;height:100%;background-image:url("https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_GE_Centurion_Linear_Gray6_RGB_DIGITAL.svg");background-repeat:no-repeat;background-position:top 10px right -55px;background-size:auto 150%;opacity:.2;z-index:-1}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerImage___3kI5c{display:none;min-height:275px !important}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerImage___3kI5c .axp-forum-banner__ForumBanner__bannerImageElement___1fIPP{width:100%;height:100%;background-size:cover;background-repeat:no-repeat;background-position:center;min-height:275px}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerLabel___39gt7{color:#00175a}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerTitle___OodYD{color:#006fcf}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerText___2uqh9{padding:10px 0 20px}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerText___2uqh9 p{margin:0}@media(min-width: 769px){.axp-forum-banner__ForumBanner__inlineBannerWrapperTall___3gjhC{min-height:470px !important;height:470px !important}}@media(min-width: 769px){.axp-forum-banner__ForumBanner__tallBannerFill___2YM3l{height:100% !important}}@media(min-width: 769px){.axp-forum-banner__ForumBanner__tallButtonStyle___22I-w{position:absolute;width:100%;bottom:2rem}}.axp-forum-banner__ForumBanner__inputNoBorder___2UxTz{border-style:none !important}.axp-forum-banner__ForumBanner__emailLabelFont___3eouU{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif;font-size:1rem;line-height:1.5rem;font-weight:500 !important}@media(max-width: 768px){.axp-forum-banner__ForumBanner__emailLabelFont___3eouU{font-size:.875rem;line-height:1.313rem}}.axp-forum-banner__ForumBanner__bentonSansBoldFont___2Jrub{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem}.axp-forum-banner__ForumBanner__emailHeader___1FSDW{font-family:"BentonSans-Black","BentonSans";font-weight:600;font-size:2rem;line-height:2.375rem}@media(max-width: 768px){.axp-forum-banner__ForumBanner__emailHeader___1FSDW{font-size:1.625rem;line-height:1.875rem}}@media(min-width: 768px){.axp-forum-banner__ForumBanner__emailHeader___1FSDW{max-width:320px}}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS{z-index:1;border-top:2px solid #ecedee;border-bottom:2px solid #ecedee}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupHeader___xC22I{width:100%}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupBody___GRthM label{display:none}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__trendsAndInsightsName___25InH{color:#006fcf}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileOpenEmailSignupButton___4dyYt{display:none}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupFormElements___3ZpHZ{display:flex;flex-direction:row;align-items:flex-start;justify-content:space-between}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupFormElements___3ZpHZ button{margin-top:.05rem !important}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupFormElements___3ZpHZ input{border:0 !important}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupErrorScreen___JaajK{width:100%}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileEmailSignupCloseButton___3vOyo{display:none;position:absolute;top:8px;right:14px;padding:0;width:auto;min-width:auto}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileEmailSignupCloseButton___3vOyo:before{border-radius:200px;border:none;padding:3px;font-size:10px;font-weight:bold;background:#fff;color:blue}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__bannerCtaWrapper___TXgkl{position:absolute;bottom:.5rem}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF{box-shadow:2px 2px 15px rgba(0,0,0,.25);position:fixed;bottom:20px;right:20px;background:green;width:100%;max-width:420px;z-index:99}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF,.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF *{box-sizing:border-box}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx button{border:0}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx h3,.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx button{cursor:pointer}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx h3:focus,.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorHeader___3mcBx button:focus{outline:none}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorBody___1g358 .axp-forum-banner__ForumBanner__bannerImage___3kI5c{width:100%}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__disruptorBody___1g358 .axp-forum-banner__ForumBanner__bannerImage___3kI5c .axp-forum-banner__ForumBanner__bannerImageElement___1fIPP{width:100%;height:100%;background-size:cover;background-repeat:no-repeat;background-position:center;height:210px}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{position:relative;padding-top:20px}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerDetails___1XWXq.axp-forum-banner__ForumBanner__includeCenturion___3wpdk{z-index:2}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerDetails___1XWXq.axp-forum-banner__ForumBanner__includeCenturion___3wpdk:after{content:"";top:0;left:0;bottom:0;right:0;position:absolute;width:100%;height:100%;background-image:url("https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_GE_Centurion_Linear_Gray6_RGB_DIGITAL.svg");background-repeat:no-repeat;background-position:top 10px right -55px;background-size:auto 150%;opacity:.2;z-index:-1}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerCardImage___16Fuu{width:100%;height:100px;position:absolute;left:50%;transform:translate(-50%, -50%);text-align:center}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerCardImage___16Fuu .axp-forum-banner__ForumBanner__bannerCardImageElement___as1gP{max-height:100%;width:auto;position:relative}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerCardImage___16Fuu+.axp-forum-banner__ForumBanner__bannerDetails___1XWXq{padding-top:47px}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__ctaButton___1M4Hj:hover{text-decoration:none}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__ctaButton___1M4Hj button{margin:0 auto}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__minWidth420___1HBO1{min-width:420px !important}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__minWidthAuto___DyNQS{min-width:auto !important}.axp-forum-banner__ForumBanner__winnieThePooh___194bw{display:none !important}.axp-forum-banner__ForumBanner__centerAbsolutely___2nFDC{position:absolute;top:50%;left:50%;transform:translate(-50%, -50%)}.axp-forum-banner__ForumBanner__animFadeEnterActiveSlower___1-nZ_{opacity:1 !important;transition:opacity 1.4s ease !important}.axp-forum-banner__ForumBanner__makeVisible___2CdOH{visibility:visible}@media only screen and (min-width: 768px){.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerInner___1IlrD{overflow:hidden}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerImage___3kI5c{display:block;width:100%}.axp-forum-banner__ForumBanner__inlineBannerWrapper___CRAJm .axp-forum-banner__ForumBanner__bannerDetails___1XWXq:after{background-position:top 10px right -90px}}@media only screen and (max-width: 768px){.axp-forum-banner__ForumBanner__bannerCtaWrapper___TXgkl{display:flex;justify-content:center}.axp-forum-banner__ForumBanner__disruptorBannerWrapper___3t3KF .axp-forum-banner__ForumBanner__bannerDetails___1XWXq{padding:30px}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS{margin:0}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupHeader___xC22I{background:#006fcf;color:#fff;padding:30px;text-align:left;display:flex;flex-direction:column;align-items:flex-start}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupBodyMobileInvisible___1nVJq{display:none}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__trendsAndInsightsName___25InH{color:#fff}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileOpenEmailSignupButton___4dyYt{display:block;align-self:center;margin:30px 0 0 0}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__emailSignupFormElements___3ZpHZ{display:flex;flex-direction:column;align-items:center;justify-content:center;margin-bottom:15px}.axp-forum-banner__ForumBanner__emailSignupBannerWrapper___hUnNS .axp-forum-banner__ForumBanner__mobileEmailSignupCloseButton___3vOyo{display:block}}@media(max-width: 768px){.axp-forum-banner__ForumBanner__businessClassBanner___3-y5C img{height:7vh !important;object-fit:scale-down}}.axp-forum-banner__ForumBanner__borderSmallRadius___1Z1Tk{border-radius:2px}.axp-forum-banner__ForumBanner__borderLeftRadius___2Ou6d{border-top-left-radius:5px;border-bottom-left-radius:5px}.axp-forum-banner__ForumBanner__borderRightRadius___dP_qV{border-top-right-radius:5px;border-bottom-right-radius:5px}.axp-forum-banner__ForumBanner__noBorder___3X1DQ{border:0 !important}.axp-forum-banner__ForumBanner__noBtnOutline___39PQv button{outline:none !important}.axp-forum-banner__ForumBanner__noBtnOutline___39PQv button:focus{outline:none !important}.axp-forum-banner__ForumBanner__emailFormElements___NkrSY{align-items:start !important;flex-direction:row}@media(max-width: 767px){.axp-forum-banner__ForumBanner__emailFormElements___NkrSY{flex-direction:column}}@media(min-width: 768px){.axp-forum-banner__ForumBanner__inputWidthMobile___1JUM4{width:calc(100% - 170px)}}.axp-forum-banner__ForumBanner__submitBtn___2o_vp{height:50px;border-radius:4px;transition:.5s background}.axp-forum-banner__ForumBanner__submitBtn___2o_vp:hover{background:#00175a}@media(min-width: 768px){.axp-forum-banner__ForumBanner__submitBtn___2o_vp{width:150px !important}}.axp-forum-banner__ForumBanner__errorMessagePosition___SKCN_{top:40% !important}@media(min-width: 768px){.axp-forum-banner__ForumBanner__errorMessagePosition___SKCN_{left:25% !important}}@media(min-width: 426px)and (max-width: 767px){.axp-forum-banner__ForumBanner__errorMessagePosition___SKCN_{left:20% !important;-webkit-transform:translate(-12%, -100%) !important}}@media(max-width: 425px){.axp-forum-banner__ForumBanner__errorMessagePosition___SKCN_{top:20% !important;left:50% !important}}.axp-forum-banner__ForumBanner__successMessagePosition___2fwsy{left:25% !important;top:50% !important}@media(min-width: 426px)and (max-width: 767px){.axp-forum-banner__ForumBanner__successMessagePosition___2fwsy{left:20% !important;-webkit-transform:translate(50%, -50%) !important}}@media(max-width: 425px){.axp-forum-banner__ForumBanner__successMessagePosition___2fwsy{top:25% !important;left:50% !important}}.axp-forum-banner__ForumBanner__underline___jHEkQ{border-bottom:1px solid #006fcf}.axp-forum-banner__ForumBanner__underline___jHEkQ:hover{text-decoration:none !important}</style><style class="ssr-css">.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql{margin-bottom:20px}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{width:32px;height:32px;display:inline-block}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4+.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{margin-left:20px}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4.axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk .axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI{font-size:32px}@media only screen and (max-width: 319px){.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{width:28px !important;height:28px !important}.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4+.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{margin-left:15px !important}.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4.axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk .axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI{font-size:28px !important}}@media only screen and (min-width: 768px){.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql{margin-bottom:30px}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8{position:absolute}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{display:block;margin:0}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4+.axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4{margin-top:20px}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4.axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk{position:relative;height:24px;overflow:hidden}.axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql.axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 .axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4.axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk>.axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI{position:absolute;top:50%;transform:translateY(-50%)}}</style><style class="ssr-css">.axp-footer__footer__footer___328qd{-webkit-tap-highlight-color:rgba(0,0,0,0);-webkit-font-smoothing:antialiased;z-index:99;max-width:100vw;color:#000;font-family:Helvetica Neue,Roboto,sans-serif;font-size:.9375rem;line-height:1.45667;margin:0px;min-height:200px}.axp-footer__footer__footer___328qd div{box-sizing:border-box}.axp-footer__footer__footer___328qd .axp-footer__footer__lastLogin___2sdMn{font-family:"Helvetica Neue Medium",Helvetica,Arial,sans-serif !important}.axp-footer__footer__footer___328qd .axp-footer__footer__amexLogo___GQ561{width:268px}.axp-footer__footer__footer___328qd .axp-footer__footer__footerSection___3zipI{position:static !important}.axp-footer__footer__footer___328qd .country-flag{width:20px;display:inline-block;position:relative;top:-2px;border-style:none}.axp-footer__footer__footer___328qd .axp-footer__footer__navContainer___1AG6m{position:static;max-width:1240px}.axp-footer__footer__footer___328qd .axp-footer__footer__countryName___2ybHn{margin:0px 6px}.axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop section{display:inline;padding-right:10px}.axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop section>span:after{content:"";border-right:1px solid #53565a;margin:0 .625rem}.axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop ul{display:inline-block;padding:0px;padding-top:20px}.axp-footer__footer__footer___328qd .axp-footer__footer__changeLanguage___3Xrop ul li{display:inline}.axp-footer__footer__footer___328qd .axp-footer__footer__navVertSubmenuItem___2ArTh>a{padding-left:48px}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinks___gAAHr{padding-bottom:26px}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinks___gAAHr:empty{padding-bottom:0px}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinks___gAAHr li{display:inline;padding-right:10px}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinks___gAAHr a img{width:32px;height:32px;float:left}.axp-footer__footer__footer___328qd .axp-footer__footer__legalLinksItem___biaXF li{display:inline}.axp-footer__footer__footer___328qd .axp-footer__footer__legalLinksItem___biaXF li img{height:3.125rem}.axp-footer__footer__footer___328qd .axp-footer__footer__focusOutline___CySgA:focus span:only-child{outline:0px !important}@media(max-width: 767px){.axp-footer__footer__footer___328qd .axp-footer__footer__mobilePadTB___duyEE{padding-top:13.25px;padding-bottom:13.25px}}.axp-footer__footer__footer___328qd .axp-footer__footer__socialLinksIconPadding___3OmEL{padding-left:.4rem;padding-right:.4rem}.axp-footer__footer__footer___328qd .axp-footer__footer__navVertSubmenu___1QMkq{display:none}.axp-footer__footer__footer___328qd .axp-footer__footer__navVertSubmenu___1QMkq ul{list-style:none}.axp-footer__footer__footer___328qd .axp-footer__footer__lastLoginStyle___dnIUI{min-height:62.5px}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp{visibility:visible;height:auto}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq{display:block}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq a{display:block}@media(min-width: 1024px){.axp-footer__footer__footer___328qd .axp-footer__footer__loneCountrySectionFix___1kcqH{margin-bottom:-1.375rem}}.axp-footer__footer__footer___328qd #toggleButton button{outline:none}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp{background-color:#f7f8f9}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp>span:first-child{transform:rotate(90deg) !important}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq{height:auto !important;max-height:none !important;opacity:1 !important;display:contents !important}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq .axp-footer__footer__link___35KBT{color:#00175a;background-color:#f7f8f9}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq .axp-footer__footer__link___35KBT:hover{background-color:#f0f1f1}.axp-footer__footer__footer___328qd :checked+.axp-footer__footer__sectionOpener___3-NG3{background:#ecedee !important;color:#00175a !important}.axp-footer__footer__footer___328qd :not(:checked)+.axp-footer__footer__navVertSubMenuLabel___xSjOp+.axp-footer__footer__navVertSubmenu___1QMkq{display:none}.axp-footer__footer__footer___328qd .axp-footer__footer__displayNone___1hN1b{display:none}.axp-footer__footer__footer___328qd .axp-footer__footer__navVertSubMenuLabel___xSjOp{overflow:hidden;text-overflow:ellipsis}.axp-footer__footer__footer___328qd .axp-footer__footer__navItem___NT8_b{list-style-type:none} .axp-footer__dls-module__module___1_EeR h2,.axp-footer__dls-module__module___1_EeR h3{font-weight:500}.axp-footer__dls-module__module___1_EeR h2,.axp-footer__dls-module__module___1_EeR h3,.axp-footer__dls-module__module___1_EeR p{margin:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__heading1___1W4S5{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.8125rem;line-height:1.125rem;text-transform:uppercase}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__heading3___1EBC6{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:1rem;line-height:1.5rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__body1___sfUeR{font-family:"Helvetica Neue",Helvetica,sans-serif;font-size:.9375rem;font-weight:400;line-height:1.375rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__body2___wDGJf{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.9375rem;line-height:1.375rem}@font-face{font-family:"dls-icons-2.31.4";font-weight:normal;font-display:block;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.31.4/package/dist/iconfont/dls-icons.woff?v=2.31.4") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.31.4/package/dist/iconfont/dls-icons.woff2?v=2.31.4") format("woff2")}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8{display:inline-block;line-height:1;vertical-align:middle}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8::before{-webkit-font-smoothing:antialiased;-webkit-text-stroke:0;-moz-osx-font-smoothing:grayscale;backface-visibility:hidden;display:block;font-family:"dls-icons-2.31.4";font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;line-height:1;letter-spacing:0;position:relative;speak:none;vertical-align:middle}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8:hover{text-decoration:none}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8{font-size:1.75rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__icon___3MnX8::before{font-size:1.75rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__iconHover___3jtI0:hover{cursor:pointer}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{margin-left:auto;margin-right:auto;padding-left:10px;padding-right:10px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{padding-left:12px;padding-right:12px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{padding-left:18px;padding-right:18px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{padding-left:20px;padding-right:20px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{padding-left:20px;padding-right:20px}}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{max-width:576px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{max-width:720px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{max-width:940px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__container___1xEgQ{max-width:1240px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{display:flex;flex-wrap:wrap;margin-left:-5px;margin-right:-5px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{margin-left:-6px;margin-right:-6px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{margin-left:-9px;margin-right:-9px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{margin-left:-10px;margin-right:-10px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__row___3H3xq{margin-left:-10px;margin-right:-10px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{position:relative;flex:0 0 100%;max-width:100%;min-height:1px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:5px;padding-right:5px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colXs12___29EFm{flex:0 0 100%;max-width:100%}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:6px;padding-right:6px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colSm8___vvcgU{flex:0 0 66.6666666667%;max-width:66.6666666667%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colSm12___3QD3p{flex:0 0 100%;max-width:100%}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:9px;padding-right:9px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colMd6___22fwT{flex:0 0 50%;max-width:50%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colMd8___2_bMZ{flex:0 0 66.6666666667%;max-width:66.6666666667%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colMd12___3KJgk{flex:0 0 100%;max-width:100%}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:10px;padding-right:10px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colLg3___2wVa6{flex:0 0 25%;max-width:25%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colLg4___39ika{flex:0 0 33.3333333333%;max-width:33.3333333333%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colLg8___2CkmG{flex:0 0 66.6666666667%;max-width:66.6666666667%}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__col___9B4qP{padding-left:10px;padding-right:10px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__colXl12___1zzRt{flex:0 0 100%;max-width:100%}}.axp-footer__dls-module__module___1_EeR *,.axp-footer__dls-module__module___1_EeR *::before,.axp-footer__dls-module__module___1_EeR *::after{box-sizing:inherit}.axp-footer__dls-module__module___1_EeR button,.axp-footer__dls-module__module___1_EeR input{color:inherit;font-family:inherit;font-size:inherit;line-height:inherit}.axp-footer__dls-module__module___1_EeR input::-webkit-credentials-auto-fill-button{visibility:hidden}.axp-footer__dls-module__module___1_EeR [type=number]::-webkit-inner-spin-button,.axp-footer__dls-module__module___1_EeR [type=number]::-webkit-outer-spin-button{-webkit-appearance:none}.axp-footer__dls-module__module___1_EeR ul{padding-left:1.3Em}.axp-footer__dls-module__module___1_EeR ul{margin-top:0;margin-bottom:0}.axp-footer__dls-module__module___1_EeR ul ul{margin-bottom:0}.axp-footer__dls-module__module___1_EeR a{background-color:rgba(0,0,0,0);color:#006fcf;text-decoration:none;cursor:pointer;transition:color .25S ease-out,background-color .25S ease-out}.axp-footer__dls-module__module___1_EeR a:hover{text-decoration:underline}.axp-footer__dls-module__module___1_EeR a:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-footer__dls-module__module___1_EeR img{max-width:100%;width:auto;height:auto;vertical-align:middle}.axp-footer__dls-module__module___1_EeR button,.axp-footer__dls-module__module___1_EeR [role=button]{cursor:pointer}.axp-footer__dls-module__module___1_EeR button{min-width:0;max-width:none;padding:0;margin:0;border-radius:0;border:0;background-color:rgba(0,0,0,0)}.axp-footer__dls-module__module___1_EeR a,.axp-footer__dls-module__module___1_EeR button,.axp-footer__dls-module__module___1_EeR [role=button],.axp-footer__dls-module__module___1_EeR input,.axp-footer__dls-module__module___1_EeR label{touch-action:manipulation}.axp-footer__dls-module__module___1_EeR label{display:inline-block;margin-bottom:.3125rem;color:#53565a}.axp-footer__dls-module__module___1_EeR button:focus,.axp-footer__dls-module__module___1_EeR input[type=button]:focus{outline:dashed 1px #53565a;outline-offset:3px}.axp-footer__dls-module__module___1_EeR input,.axp-footer__dls-module__module___1_EeR button{margin:0;line-height:inherit;border-radius:0}.axp-footer__dls-module__module___1_EeR hr{width:100%;border:0;border-top:1px solid #ecedee;margin-top:0;margin-bottom:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__caret___3BPtC{color:#53565a}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__caret___3BPtC::before{background-image:url('data:image/svg+xml;utf8,<svg fill="%2353565A" viewBox="0 0 16 16" xmlns="http://www.w3.org/2000/svg"><path d="M11.709 7.294L5.705 1.29a1.002 1.002 0 00-1.413 0 1.001 1.001 0 000 1.413L9.59 8l-5.298 5.296a1.001 1.001 0 000 1.413 1.002 1.002 0 001.413 0l6.004-6.003a1.001 1.001 0 000-1.412z"/></svg>');background-position:center center;background-repeat:no-repeat;content:"";width:1rem;height:1rem;display:inline-block;position:relative;transform:rotate(0deg);transition:color .25S ease-out,transform .25S ease-out;vertical-align:middle}@media(prefers-reduced-motion){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__caret___3BPtC::before{transition:color .25S ease-out,transform 0s}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__list___3KSxW{padding:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinks___DsWOZ{list-style:none;line-height:1.15;padding:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinks___DsWOZ li:not(:last-child){margin-bottom:1.25rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b{padding-left:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b li{display:inline-block;white-space:nowrap}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b li:first-child:not(:last-child),.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b li+li{padding-right:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__listLinksInlineSeparator___25k9b li:not(:last-child)::after{color:#8e9092;content:"|";font-size:1.2rem;font-weight:200;margin-left:.625rem;margin-right:.625rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__nav___9Aq3L{z-index:99;background:#fff}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__nav___9Aq3L,.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navMenu___2v96a{list-style:none;padding-left:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__nav___9Aq3L ul,.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__nav___9Aq3L li,.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navMenu___2v96a ul,.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navMenu___2v96a li{padding:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navLink___2iw6Y{color:#006fcf;display:block;position:relative;-webkit-user-select:none;-moz-user-select:none;user-select:none;white-space:normal}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:none;text-decoration:none}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,0)}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navLink___2iw6Y:focus{z-index:100;outline:1px dashed #53565a;outline-offset:-3px !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__heading1___1W4S5{color:#53565a;margin:0;padding:.75rem .875rem .75rem 1.875rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navMenu___2v96a{overflow:hidden}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 10px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 12px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 18px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 20px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y{padding:.9375rem 20px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,.05);color:#0065bd}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y:focus{outline:1px dashed #53565a;outline-offset:-3px}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{background-image:url('data:image/svg+xml;utf8,<svg fill="%2353565A" viewBox="0 0 16 16" xmlns="http://www.w3.org/2000/svg"><path d="M11.709 7.294L5.705 1.29a1.002 1.002 0 00-1.413 0 1.001 1.001 0 000 1.413L9.59 8l-5.298 5.296a1.001 1.001 0 000 1.413 1.002 1.002 0 001.413 0l6.004-6.003a1.001 1.001 0 000-1.412z"/></svg>');background-position:center center;background-repeat:no-repeat;content:"";width:1rem;height:1rem;color:#53565a;line-height:1;margin-top:-0.5Em;position:absolute;top:50%;transform:rotate(0deg);transition:color .25S ease-out,transform .25S ease-out;left:10px}@media(prefers-reduced-motion){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{transition:color .25S ease-out,transform 0s}}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{left:12px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{left:18px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{left:20px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{left:20px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y[aria-expanded=true]{background-color:#f7f8f9;color:#006fcf}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y[aria-expanded=true]:hover{background-color:rgba(0,0,0,.05);color:#0065bd}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navLink___2iw6Y[aria-expanded=true]:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:55px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:57px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:63px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:65px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__heading1___1W4S5{padding-left:65px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{text-align:left;width:100%;padding-left:35px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{padding-left:37px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{padding-left:43px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{padding-left:45px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y{padding-left:45px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>li .axp-footer__dls-module__navLink___2iw6Y .axp-footer__dls-module__icon___3MnX8::before{font-size:1.375rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:55px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:57px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:63px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:65px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__heading1___1W4S5{padding-left:65px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:55px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:57px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:63px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:65px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:65px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{margin-left:.75rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:75px}@media(min-width: 375px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:77px}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:83px}}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:85px}}@media(min-width: 1280px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y{padding-left:85px}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp.axp-footer__dls-module__navChevron___2O6CN .axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul>.axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a>.axp-footer__dls-module__navMenuSection___1sl2X>ul .axp-footer__dls-module__navLink___2iw6Y.axp-footer__dls-module__caret___3BPtC::before{margin-left:1.5rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5{display:block;float:none}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5+.axp-footer__dls-module__navItem___2SJY5{margin-bottom:0;margin-top:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a{height:auto;max-height:0;overflow:hidden;transition:max-height .4S ease-out}@media(prefers-reduced-motion){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a{transition:max-height 0s}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X{flex:inherit;max-width:100%;padding:0;width:100%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__heading1___1W4S5{margin:0;padding-top:1.25rem;padding-bottom:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5>.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__navItem___2SJY5 .axp-footer__dls-module__navLink___2iw6Y{padding-top:.6875rem;padding-bottom:.6875rem}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp .axp-footer__dls-module__navItem___2SJY5 .axp-footer__dls-module__navLink___2iw6Y[aria-expanded=true].axp-footer__dls-module__caret___3BPtC::before{transform:rotate(90deg)}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a{max-height:100%}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X{background-color:#f7f8f9}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__navLink___2iw6Y{background-color:#f7f8f9;color:#0065bd}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:rgba(0,0,0,.05);color:#005aa8}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navMenuSection___1sl2X .axp-footer__dls-module__navLink___2iw6Y:active{background-color:rgba(0,0,0,.1);color:#00175a}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navItem___2SJY5[aria-expanded=true]>.axp-footer__dls-module__navLink___2iw6Y{background-color:#ecedee;color:#00175a !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__navVertical___3hGDp [aria-expanded=true]+.axp-footer__dls-module__navMenu___2v96a .axp-footer__dls-module__navLink___2iw6Y:hover{background-color:#f7f8f9}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__srOnly___u78M4{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);-webkit-clip-path:polygon(0 0, 0 0, 0 0, 0 0);clip-path:polygon(0 0, 0 0, 0 0, 0 0);border:0}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__displayNone___3VUuZ{display:none !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__widthFull___3ApM9{width:100%}@media(max-width: 767px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__hiddenSmDown___7zgQf{display:none !important}}@media(min-width: 768px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__hiddenMdUp___2R91O{display:none !important}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__margin0___3S0s6{margin:0 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__margin0Tb___Dloq8{margin-top:0 !important;margin-bottom:0 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__margin2T___1dpgR{margin-top:1.25rem !important}@media(max-width: 1023px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad3BMdDown___3Jad4{padding-bottom:1.875rem !important}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__padTb___3-Cwz{padding-top:1.25rem !important;padding-bottom:1.25rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__padT___EykJE{padding-top:1.25rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__padB___29gTP{padding-bottom:1.25rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad0L___1qWAG{padding-left:0 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad1B___319TY{padding-bottom:.625rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad3T___SVukA{padding-top:1.875rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__pad3B___1J3uF{padding-bottom:1.875rem !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__textWrap___3wMeN{word-wrap:break-word;white-space:normal}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__textAlignCenter___3UBTP{text-align:center !important}@media(min-width: 1024px){.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__textAlignRightLgUp___RJJ0x{text-align:right !important}}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsWhiteBg___2unIs{background-color:#fff !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsBlack___pQt6A{color:#000 !important;fill:#000 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsGray01Bg___ZmrCk{background-color:#f7f8f9 !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsGray02BgHvr___zz6Zr:hover{background-color:#ecedee !important}.axp-footer__dls-module__module___1_EeR .axp-footer__dls-module__dlsGray05___3Bige{color:#53565a !important;fill:#53565a !important}@font-face{font-family:"amex-card-number";font-weight:normal;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/amex22.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/amex22.woff2") format("woff2")}@font-face{font-family:"amex-card-name";font-weight:normal;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/amexcarembbaboo.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/amexcarembbaboo.woff2") format("woff2")}@font-face{font-family:"Guardian";font-font-style:normal;font-weight:400;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/guardianregular.woff") format("woff"),url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/guardianregular.woff2") format("woff2")}@font-face{font-family:"BentonSans";font-weight:300;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/325e6ad0-38fb-4bad-861c-d965eab101d5-3.woff") format("woff")}@font-face{font-family:"BentonSans";font-weight:400;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/3be50273-0b2e-4aef-ae68-882eacd611f9-3.woff") format("woff")}@font-face{font-family:"BentonSans";font-weight:500;font-display:swap;src:url("https://www.aexp-static.com/cdaas/one/statics/@americanexpress/dls-fonts/1.0.0/package/dist/fonts/0fababca-4914-46dd-9b0f-efbd51f67ae8-3.woff") format("woff")}</style><style class="ssr-css">.axp-forum-content-list__list__h100___2OeB0{height:100%} .axp-forum-content-list__tile__largeVideoTopicTitle___1IBmn{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-size:1rem !important}@media(max-width: 560px){.axp-forum-content-list__tile__largeVideoTopicTitle___1IBmn{font-size:.875rem !important}}.axp-forum-content-list__tile__topicArticle___1hZbH{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem;height:3rem}@media(max-width: 768px){.axp-forum-content-list__tile__topicArticle___1hZbH{font-size:.875rem;line-height:1.25rem;height:auto}}.axp-forum-content-list__tile__customLineHeight___kPeGX{height:2.5rem !important}.axp-forum-content-list__tile__miniTilesGridTitle___1ih-M{height:190px;width:190px;min-width:190px;font-family:"BentonSans-Light","BentonSans",Helvetica,sans-serif;font-size:2rem;line-height:2.125rem}.axp-forum-content-list__tile__miniTilesGridTitle___1ih-M a{color:#fff}@media(max-width: 768px){.axp-forum-content-list__tile__miniTilesGridTitle___1ih-M{height:150px;width:150px;min-width:150px;font-size:1.5rem;line-height:1.75rem}}.axp-forum-content-list__tile__topicArticle___1hZbH{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem;height:3rem}@media(max-width: 768px){.axp-forum-content-list__tile__topicArticle___1hZbH{font-size:.875rem;line-height:1.25rem;height:auto}}.axp-forum-content-list__tile__videoLinks___3OBc6:hover *{text-decoration:underline}.axp-forum-content-list__tile__childLink___19dUd a div{font-size:1rem !important}.axp-forum-content-list__tile__customHeading5BentonBlack___1EJvo{font-family:"BentonSans-Black","BentonSans",Arial,sans-serif;font-weight:600 !important;font-size:1.25rem;line-height:1.5rem}@media(max-width: 768px){.axp-forum-content-list__tile__customHeading5BentonBlack___1EJvo{font-size:1.125rem;line-height:1.375rem}}.axp-forum-content-list__tile__customHeading6___3Yeqw{font-family:"BentonSans-Bold","BentonSans",Helvetica,sans-serif;font-weight:600 !important;font-size:1rem !important;line-height:1.375rem}@media(max-width: 768px){.axp-forum-content-list__tile__customHeading6___3Yeqw{font-size:.875rem;line-height:1.25rem}}.axp-forum-content-list__tile__customHeading5___-D3HF{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:600;font-size:1.25rem;line-height:1.5rem}@media(max-width: 768px){.axp-forum-content-list__tile__customHeading5___-D3HF{font-size:1.125rem;line-height:1.375rem}}.axp-forum-content-list__tile__customHeading2___h_Tcb{font-family:"Helvetica Neue",Helvetica,sans-serif;font-weight:600;font-size:.9375rem;line-height:1.375rem}.axp-forum-content-list__tile__teaserMargin___qR26N{margin-top:-0.625rem}.axp-forum-content-list__tile__postStats___3OJqR{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-size:.812rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-content-list__tile__postStats___3OJqR{font-size:.75rem;line-height:1.125rem}}.axp-forum-content-list__tile__bgLightGray___1rKgH{background-color:#f6f6f6}.axp-forum-content-list__tile__overflowHidden___dImvV{overflow:hidden}.axp-forum-content-list__tile__label4___3_rdd{font-size:.8125rem;line-height:1.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__label4___3_rdd{font-size:.75rem;line-height:1.125rem}}.axp-forum-content-list__tile__boxShadow0___3WDVH{box-shadow:none}.axp-forum-content-list__tile__anchorFontDarkGray___3Q86C a{color:#333}.axp-forum-content-list__tile__anchorFontWhite___2orc4 a{color:#fff}.axp-forum-content-list__tile__anchorFontBlack___1WgoZ a{color:#000}.axp-forum-content-list__tile__childDivForceDarkGray___1dgL- div{color:#333 !important}.axp-forum-content-list__tile__anchorFontWeightBold___DA6jL a{font-weight:800 !important}.axp-forum-content-list__tile__fontWhite___2NNKX{color:#fff}.axp-forum-content-list__tile__fontWhite___2NNKX div{color:#fff !important}.axp-forum-content-list__tile__fontBlue___17f4y{color:#006fcf !important}.axp-forum-content-list__tile__fontDarkGray___31kE5{color:#333 !important}.axp-forum-content-list__tile__letterSpacing2___23PQ_{letter-spacing:2px}.axp-forum-content-list__tile__preserveWhitespace___2xpfA{white-space:pre-wrap}.axp-forum-content-list__tile__bgBlue___2QoVf{background-color:#006fcf}.axp-forum-content-list__tile__bgTransparent___1vrAa{background:rgba(0,0,0,0)}.axp-forum-content-list__tile__flexGrow1___20Vqf{-ms-flex-positive:1;flex-grow:1}.axp-forum-content-list__tile__flexGrow2___1rK9K{-ms-flex-positive:1;flex-grow:0 !important;display:contents}.axp-forum-content-list__tile__cardTopImg___3Bn-q{padding-top:56.25%}.axp-forum-content-list__tile__minHeight100___ZXfkl{min-height:100%}@media(min-width: 768px){.axp-forum-content-list__tile__minHeight100MdUp___qBqks{min-height:100%}}@media(max-width: 768px){.axp-forum-content-list__tile__mobilePad4t___2iTKH{padding-top:2.5rem}}.axp-forum-content-list__tile__eventTile___3bKIr{height:245px;padding-left:1rem !important;padding-right:1rem !important;padding-bottom:1rem !important;margin-bottom:-1rem !important}@media(min-width: 768px){.axp-forum-content-list__tile__eventTile___3bKIr{border-right:.5rem solid;border-left:.5rem solid}}.axp-forum-content-list__tile__smallEventTile___2Xa0z{height:245px}@media(min-width: 768px){.axp-forum-content-list__tile__smallEventTile___2Xa0z{border-right:.5rem solid;border-left:.5rem solid}}.axp-forum-content-list__tile__noPaddTop___S1bX4{padding-top:0 !important}.axp-forum-content-list__tile__eventTile___3bKIr:hover .axp-forum-content-list__tile__eventYearText___39LVo,.axp-forum-content-list__tile__smallEventTile___2Xa0z:hover .axp-forum-content-list__tile__eventYearText___39LVo{text-decoration:underline}@media(max-width: 768px){.axp-forum-content-list__tile__eventImageField___RfgIW{display:none}}.axp-forum-content-list__tile__eventImageField___RfgIW div a{position:static !important}@media(min-width: 768px){.axp-forum-content-list__tile__imageAdjustment___AEMEi{height:5.85rem !important}}.axp-forum-content-list__tile__eventThumbnail___PFinc{overflow:hidden;width:100%;padding-top:1rem}.axp-forum-content-list__tile__eventThumbnail___PFinc div div div{border-style:none;vertical-align:middle;text-align:center !important;background-repeat:no-repeat;height:100%;width:auto;object-fit:cover}.axp-forum-content-list__tile__singleEvent___3Zo29{margin-left:-1rem}.axp-forum-content-list__tile__singleEvent___3Zo29 div{margin-bottom:-0.44rem}.axp-forum-content-list__tile__multiEvent___4SARW div div div img{height:auto !important}.axp-forum-content-list__tile__eventYearText___39LVo{color:#00175a !important;font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif !important;font-weight:600 !important;margin-top:-2.5rem !important;font-size:1rem !important;line-height:1.5rem !important}@media(max-width: 768px){.axp-forum-content-list__tile__eventYearText___39LVo{font-size:.938rem !important;line-height:1.313rem !important}}.axp-forum-content-list__tile__dateNumberText___2pz-m{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif !important;font-weight:600 !important;font-size:3.75rem !important;color:#00175a !important;padding-top:1.5rem !important}.axp-forum-content-list__tile__dateMonthText___2ATox{color:#00175a !important;font-family:"BentonSans-Black","BentonSans",Arial,sans-serif !important;font-weight:600 !important;padding-top:1.5rem !important}.axp-forum-content-list__tile__eventTime___1gtCw{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif !important;font-size:.814rem !important;line-height:1.375rem !important;color:#00175a !important;bottom:1rem !important}@media(max-width: 768px){.axp-forum-content-list__tile__eventTime___1gtCw{font-size:.75rem !important;line-height:1.125rem !important}}.axp-forum-content-list__tile__eventTitle___3qFkO{color:#00175a;position:absolute;bottom:2.25rem;font-weight:600 !important;line-height:1.5rem !important;padding-right:1.25rem}.axp-forum-content-list__tile__eventTitle___3qFkO a{color:#00175a}@media(max-width: 768px){.axp-forum-content-list__tile__eventTitle___3qFkO{font-size:1.125rem !important;line-height:1.375rem !important}}.axp-forum-content-list__tile__innerLink___2ADt0{display:block}.axp-forum-content-list__tile__innerLink___2ADt0 img{height:100%;width:100%}.axp-forum-content-list__tile__innerObjectFit___3OlWI img{height:100%;width:auto;object-fit:cover}.axp-forum-content-list__tile__authorPadding___3ej9n{padding-top:.8125rem}.axp-forum-content-list__tile__authorLinkColor___28D9u a{color:#000}.axp-forum-content-list__tile__advertisingTitleSpacing___2ELb-{height:72px !important;margin-top:1.75rem}.axp-forum-content-list__tile__advertisingFlag___1c4CE{display:inline-block;text-transform:uppercase;padding:2px 10px 1px;border-radius:20px;margin-bottom:5px;margin-top:.25rem}.axp-forum-content-list__tile__label4___3_rdd .axp-forum-content-list__tile__advertisingFlag___1c4CE{margin-left:10px}img+.axp-forum-content-list__tile__advertisingFlag___1c4CE,.axp-forum-content-list__tile__lazyLoad___3DtKo+.axp-forum-content-list__tile__advertisingFlag___1c4CE{position:absolute;bottom:0;right:0;padding:4px 15px;border-radius:0;margin-bottom:0}.axp-forum-content-list__tile__defaultAdText___3TwvA{font-size:.75rem;font-weight:500}.axp-forum-content-list__tile__listItemBorderTop___1jdLY:nth-of-type(1){border-top:1px solid #00175a}.axp-forum-content-list__tile__listItemBorderBottom___3UrWK{border-bottom:1px solid #c8c9c7}.axp-forum-content-list__tile__listItemBorderBottom___3UrWK:last-child{border-bottom:none}.axp-forum-content-list__tile__listItem___371Ml:last-of-type .axp-forum-content-list__tile__listItemBorderBottom___3UrWK{border-bottom:none}.axp-forum-content-list__tile__iconPlacementWrap___bwvnh{position:absolute;display:inline-block;bottom:0}.axp-forum-content-list__tile__iconPlacementWrap___bwvnh svg{overflow:initial !important;position:absolute;bottom:0;left:0}.axp-forum-content-list__tile__iconSvgAlign___EiXDq{display:block;max-width:100%;height:auto;transform:translate(0.688rem, -0.75rem)}@media all and (-ms-high-contrast: none){*::-ms-backdrop{padding-top:1.875rem !important}:root .axp-forum-content-list__tile__ieHeightAuto___32MHD{height:auto}}@media(min-width: 768px){.axp-forum-content-list__tile__customColmd___34Zzr{-ms-flex:0 0 49%;flex:0 0 49% !important;max-width:49%}}.axp-forum-content-list__tile__fontWeight500___205AQ{font-weight:500 !important}.axp-forum-content-list__tile__customRightBorder___1dlPp{border-right:1px solid #fff !important;padding-right:.225rem !important}.axp-forum-content-list__tile__whiteUnderline___2WJL1{border-bottom:2px solid #fff}.axp-forum-content-list__tile__largeVideoTitle___3sQwm{font-family:"BentonSans-Black","BentonSans";font-weight:600;font-size:2rem;line-height:2.375rem}@media(max-width: 768px){.axp-forum-content-list__tile__largeVideoTitle___3sQwm{font-size:1.625rem;line-height:1.875rem}}.axp-forum-content-list__tile__largeVideoDate___1C-z8{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif;font-size:.8125rem !important}.axp-forum-content-list__tile__subTopicUnderlineColor___1GXY-{border-bottom:2px solid #c8c9c7}.axp-forum-content-list__tile__minHeight325___2kxME{min-height:3.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__flexDirectionColumnMobile___s-ApQ{flex-direction:column !important}}@media(max-width: 768px){.axp-forum-content-list__tile__flexOrder2Mobile___TeLUg{-ms-flex-order:2;order:2}}@media(max-width: 768px){.axp-forum-content-list__tile__flexBasisAutoMobile___IR-Zk{flex-basis:auto}}.axp-forum-content-list__tile__fontweight300___2cBQR{font-weight:300}.axp-forum-content-list__tile__topicTitle___3z6Zx{font-family:"BentonSans-Black","BentonSans",Helvetica,sans-serif;font-weight:600;font-size:1.5rem;line-height:1.813rem;height:5rem;border-bottom:2px solid #00175a;padding-bottom:1.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__topicTitle___3z6Zx{font-size:1.5rem;line-height:1.5rem;height:auto}}@media(max-width: 375px){.axp-forum-content-list__tile__topicTitle___3z6Zx{font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif;font-size:1.125rem}}.axp-forum-content-list__tile__lessonTitle___3C0pK{color:#333;font-family:"BentonSans-Black","BentonSans","Helvetica","sans-serif";font-weight:900;font-size:1.25rem;width:18.75rem;height:1.5rem;line-height:1.5rem}.axp-forum-content-list__tile__lessonTitle___3C0pK a div{color:#000}@media(max-width: 768px){.axp-forum-content-list__tile__lessonTitle___3C0pK{font-size:1.125rem;line-height:1.375rem;height:1.375rem}}.axp-forum-content-list__tile__lessonAuthor___lfoZt{display:grid;width:18.75rem;height:1.375rem;font-family:"Helvetica Neue","Helvetica","sans-serif";font-size:.813rem;line-height:1.375rem;text-transform:capitalize}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-content-list__tile__lessonAuthor___lfoZt{padding-top:1rem}}@media(max-width: 768px){.axp-forum-content-list__tile__lessonAuthor___lfoZt{font-size:.75rem;line-height:1.375rem;height:1.375rem;padding-top:.5rem}}.axp-forum-content-list__tile__lessonReadTime___2ud_P{width:6.875rem;height:1.375rem;font-family:"Helvetica Neue","Helvetica","sans-serif";size:.813rem;line-height:1.375rem;margin-top:-1rem !important}@media(max-width: 768px){.axp-forum-content-list__tile__lessonReadTime___2ud_P{font-size:.75rem;line-height:1.375rem;height:1.375rem}}.axp-forum-content-list__tile__lessonSummary___1hEzx{font-family:"Helvetica Neue","Helvetica","sans-serif";font-style:normal;font-size:1rem;line-height:1.5;padding-top:50px}@media(max-width: 768px){.axp-forum-content-list__tile__lessonSummary___1hEzx{font-size:.875rem;font-style:normal;line-height:1.313rem;padding-top:1rem}}.axp-forum-content-list__tile__lessonCta___1nZhf{height:1rem;font-family:"HelveticaNeue-Bold","Helvetica Neue","Arial","Helvetica","sans-serif";font-size:1rem;line-height:1rem}@media(max-width: 768px){.axp-forum-content-list__tile__lessonCta___1nZhf{font-size:.938rem;line-height:1.063rem;height:1.063rem}}.axp-forum-content-list__tile__timeicon___2Sb2w{padding-top:.25rem;width:1.25rem;height:1.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__timeicon___2Sb2w{height:1.125rem;width:1.125rem}}.axp-forum-content-list__tile__timeicon___2Sb2w:before{font-size:1.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__timeicon___2Sb2w:before{font-size:1.125rem}}.axp-forum-content-list__tile__positionAdjustor___WHUgU{margin-bottom:.313rem}.axp-forum-content-list__tile__defaultCursor___3dJRW{cursor:default !important}.axp-forum-content-list__tile__timeWrapper___jsh3D{width:80%;margin:auto;flex:10}@media(max-width: 768px){.axp-forum-content-list__tile__timeWrapper___jsh3D{margin-top:-1.5rem}}.axp-forum-content-list__tile__lessonWrapper___x8_uV{width:60%;margin-left:auto;margin-top:-5.85rem;flex:10}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-content-list__tile__lessonWrapper___x8_uV{flex:7;width:100%}}@media(max-width: 768px){.axp-forum-content-list__tile__lessonWrapper___x8_uV{margin-top:0rem;width:100%;flex:1}}.axp-forum-content-list__tile__miniGridTitle___3a6rw a{color:#000}.axp-forum-content-list__tile__miniGridHeight___mpiCh{min-height:8.125rem}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(1){border-bottom:1px solid;border-color:#c8c9c7;padding-bottom:.625rem !important}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(2){border-bottom:1px solid;border-color:#c8c9c7;padding-bottom:.625rem !important}.axp-forum-content-list__tile__miniGridSq2___2LwLb:nth-child(2){border-right:0px !important}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(3){padding-top:.625rem !important}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(4){padding-top:.625rem !important}.axp-forum-content-list__tile__miniGrid___2AHXQ:nth-child(odd){border-right:1px solid;border-color:#c8c9c7;padding-left:0 !important}.axp-forum-content-list__tile__miniGridBtn___5axFd{margin-top:.625rem}.axp-forum-content-list__tile__miniGridBtn___5axFd div a{color:#006fcf;font-weight:600;font-size:1rem;font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif}@media(max-width: 768px){.axp-forum-content-list__tile__miniGridBtn___5axFd div a{font-size:.938rem}}.axp-forum-content-list__tile__whiteSquare___2kppL{height:1.25rem;width:1.25rem;top:7.5rem;left:50%}.axp-forum-content-list__tile__topicFont___2ch_E div{font-family:"BentonSans-Bold","BentonSans",Helvetica,sans-serif;font-size:1rem !important;margin-bottom:0rem !important}.axp-forum-content-list__tile__authorSpacer___2JpIL{padding-left:.25rem;padding-right:.25rem}.axp-forum-content-list__tile__topHeroTitle___3T2Jd{min-height:6.25rem}@media(max-width: 768px){.axp-forum-content-list__tile__topHeroTitle___3T2Jd{padding-left:6px;padding-right:46px;padding-top:15px}}.axp-forum-content-list__tile__displayFix___2hn4K a{display:block !important}.axp-forum-content-list__tile__landscapeAuthor___18YXy{font-family:Helvetica Neue,Helvetica,sans-serif;min-height:3.25rem;font-size:.8125rem;line-height:1.25rem;margin-bottom:.75rem}.axp-forum-content-list__tile__topicTextFont___3IhfO a div{text-transform:uppercase;font-family:"BentonSans-Bold","BentonSans",Helvetica,sans-serif;font-weight:600;font-size:1rem !important;line-height:1.375rem}@media(max-width: 768px){.axp-forum-content-list__tile__topicTextFont___3IhfO a div{font-size:.875rem;line-height:1.25rem}}.axp-forum-content-list__tile__negTopMargin___2jluw{margin-top:-0.625rem}@media(min-width: 1024px){.axp-forum-content-list__tile__maxSectionWidth___2X0WE{max-width:11rem}} .axp-forum-content-list__playlist__imgPadding___3hJ3Z{object-fit:cover;height:5.3125rem !important;max-width:6.68rem !important}.axp-forum-content-list__playlist__listItemHeight___1w8aw{height:5.3125rem}.axp-forum-content-list__playlist__oneLineTruncationWithReadTime___I2jQe{display:-webkit-box;-webkit-line-clamp:1;-webkit-box-orient:vertical;overflow:hidden;width:auto;max-width:110px;max-height:18px;padding-right:3px}.axp-forum-content-list__playlist__oneLineTruncationWithoutReadTime___30bdJ{display:-webkit-box;-webkit-line-clamp:1;-webkit-box-orient:vertical;overflow:hidden;width:185px;max-height:18px}.axp-forum-content-list__playlist__allowSpace___2vPJl{display:-webkit-box}.axp-forum-content-list__playlist__threeLinesTruncation___-3qa1{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;max-height:3.3rem}.axp-forum-content-list__playlist__titleStyle___22kP1{text-transform:capitalize !important;margin-bottom:12px !important;color:#006fcf !important}@media all and (-ms-high-contrast: none){*::-ms-backdrop,.axp-forum-content-list__playlist__authorDisplay___2vOwK{display:inline-flex !important}.axp-forum-content-list__playlist__titleStyle___22kP1{display:flex !important}} .axp-forum-content-list__FullBleed__videoWrapper___ssYB6{padding-bottom:56.25%}.axp-forum-content-list__FullBleed__topicFontOverrides___2NdmM{font-family:"BentonSans-Bold","BentonSans";font-weight:600;font-size:.875rem;line-height:1.25rem}@media(min-width: 768px){.axp-forum-content-list__FullBleed__topicFontOverrides___2NdmM{font-size:1rem;line-height:1.375rem}}.axp-forum-content-list__FullBleed__titleFontOverrides___2-6h4{font-family:"BentonSans-Black","BentonSans";font-weight:600;font-size:1.63rem;line-height:1.88rem}@media(min-width: 768px){.axp-forum-content-list__FullBleed__titleFontOverrides___2-6h4{font-size:2rem;line-height:2.375rem}}.axp-forum-content-list__FullBleed__teaserFontOverrides___2Z819{font-weight:normal}@media(max-width: 767px){.axp-forum-content-list__FullBleed__teaserFontOverrides___2Z819{font-size:.875rem;line-height:1.32rem}}.axp-forum-content-list__FullBleed__textOverlayFontOverrides___37IaC{font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;text-transform:uppercase;background-color:#00175a;line-height:1.75rem;font-size:1.375rem;padding-left:3px;padding-right:3px;height:1.75rem;font-weight:600}@media screen and (min-width: 767px){.axp-forum-content-list__FullBleed__textOverlayFontOverrides___37IaC{line-height:2.125rem;font-size:1.75rem;height:2.125rem}}.axp-forum-content-list__FullBleed__textOverlayImagePosition___3G8HI{top:0;left:0;z-index:2}.axp-forum-content-list__FullBleed__textOverlayVideoPosition___VWl71{bottom:0;right:0;z-index:2}.axp-forum-content-list__FullBleed__videoBorder___3TMY7{border-width:0px} .axp-forum-content-list__tag__btnOval___Ge_0b{border-radius:32px}.axp-forum-content-list__tag__removeBorderRadius___bTRxN{border-radius:0}.axp-forum-content-list__tag__largeButtonSize___2n6zx{padding-top:1.4rem;padding-bottom:1.4rem;min-width:9rem;width:9.3rem;padding-left:.5rem;padding-right:.5rem}@media(min-width: 500px){.axp-forum-content-list__tag__largeButtonSize___2n6zx{width:11.5rem;padding-left:1.875rem;padding-right:1.875rem}}@media(min-width: 880px){.axp-forum-content-list__tag__largeButtonSize___2n6zx{width:16rem}}.axp-forum-content-list__tag__largeButtonFont___1QP8Y{letter-spacing:2px;font-size:12px}@media(min-width: 880px){.axp-forum-content-list__tag__largeButtonFont___1QP8Y{letter-spacing:2.1px;font-size:15px}}.axp-forum-content-list__tag__textOverflowWrap___1o6gv{white-space:normal;overflow-wrap:break-word}.axp-forum-content-list__tag__responsiveMargin___5b3aT{margin-right:1.25rem}@media(min-width: 768px){.axp-forum-content-list__tag__responsiveMargin___5b3aT{margin-right:1.875rem}}.axp-forum-content-list__tag__smallButtonSize___2S_5P{padding:12px 25px}.axp-forum-content-list__tag__smallButtonFont___fRCiS{letter-spacing:2px;font-size:15px}.axp-forum-content-list__tag__textLink___FRANb::after{content:">";position:absolute;right:-0.8em;top:50%;transform:translateY(-50%)}.axp-forum-content-list__tag__topicFonts___D2-12{font-family:"BentonSans-Bold","BentonSans";font-size:1rem;line-height:1.375rem;width:230px}.axp-forum-content-list__tag__topicLink___HNoc5{content:"";position:absolute;right:.1rem} .axp-forum-content-list__tab__tabContent___1FPEQ{margin-left:-10px;margin-right:-10px}@media(min-width: 768px){.axp-forum-content-list__tab__tabContent___1FPEQ{margin-left:20px;margin-right:-10px}}</style><style class="ssr-css">@media(min-width: 1024px)and (max-width: 1366px){.axp-forum-editorial-container__EditorialContainer__removeOffset___3nG6_{margin-left:8% !important}}.axp-forum-editorial-container__EditorialContainer__digDeeperCustomTitle___1LeS7{font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;font-weight:600;font-size:2.5rem;line-height:3rem;border-color:#00175a}@media(max-width: 768px){.axp-forum-editorial-container__EditorialContainer__digDeeperCustomTitle___1LeS7{font-size:1.875rem;line-height:2.125rem}}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy{border-right:1px solid #00175a}@media screen and (max-width: 768px){.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy{border-right:none}}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy span{text-transform:uppercase;font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;font-weight:600;font-size:1.25rem;line-height:1.5rem;height:3rem;padding-left:20px !important;padding-right:20px !important}@media screen and (max-width: 768px){.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy span{font-size:1.125rem;line-height:1.375rem;padding-left:0 !important;padding-right:0 !important;height:auto;padding-bottom:8px}}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy:first-of-type span{padding-left:0 !important}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy:last-of-type{border-right:none}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy:last-of-type span{padding-right:0 !important}.axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy span::after{content:"" !important}.axp-forum-editorial-container__EditorialContainer__digDeeperContainerOverrides___25Gqr{display:grid;grid-auto-flow:column;grid-auto-columns:1fr}@media screen and (max-width: 768px){.axp-forum-editorial-container__EditorialContainer__digDeeperContainerOverrides___25Gqr{display:block}}@media screen and (min-width: 1290px){.axp-forum-editorial-container__EditorialContainer__digDeeperCustomPadding___vBHkZ{padding-left:0;padding-right:0}}.axp-forum-editorial-container__EditorialContainer__tagWrapperOverrides___3ga3u{max-width:none !important;display:block !important}.axp-forum-editorial-container__EditorialContainer__editorialWrapper___142Yl{max-width:1280px !important}.axp-forum-editorial-container__EditorialContainer__trendingContentHeader___3Gh2c{font-family:"BentonSans-Black","BentonSans";font-weight:600;font-size:1.875rem;line-height:2.125rem}@media(min-width: 768px){.axp-forum-editorial-container__EditorialContainer__trendingContentHeader___3Gh2c{font-size:2.5rem;line-height:3rem}}.axp-forum-editorial-container__EditorialContainer__whiteUnderline___2NKKp{border-bottom:1px solid #fff}.axp-forum-editorial-container__EditorialContainer__simpleText___3k46m{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-weight:300;font-size:.813rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialContainer__simpleText___3k46m{font-size:.75rem;line-height:1.125rem}}iframe{width:100%}@media(max-width: 767px){iframe{height:54.25vw}}@media(min-width: 768px)and (max-width: 875px){iframe{height:41.25vw}}@media(min-width: 876px)and (max-width: 1023px){iframe{height:42.25vw}}@media(min-width: 1024px){iframe{height:16pc}} .axp-forum-editorial-container__LeftRail__leftRailTitleSection___1jo9m{font-family:"BentonSans-Bold","BentonSans";font-weight:900 !important;font-size:1.25rem;line-height:1.5rem}.axp-forum-editorial-container__LeftRail__relatedContentList____fO8K{width:90%}.axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo{height:22px}.axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS{margin-top:2px;height:22px}.axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2{vertical-align:bottom;height:12px}.axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB{height:98px;float:none;border-top:#8e9092 1px solid;width:90%}.axp-forum-editorial-container__LeftRail__customGap___21q7i{gap:60px}.axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60{color:rgba(0,0,0,0)}.axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60 ::selection{background:rgba(0,0,0,0)}.axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60 ::-moz-selection{background:rgba(0,0,0,0)}.axp-forum-editorial-container__LeftRail__relatedMinHeight___1FVHL{min-height:350px} .axp-forum-editorial-container__EditorialHeader__lessonTitleFont___2SFRA{font-family:"BentonSans-Black","BentonSans",Arial,sans-serif;font-weight:600;font-size:2rem;line-height:2.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__lessonTitleFont___2SFRA{font-size:1.625rem;line-height:1.875rem}}.axp-forum-editorial-container__EditorialHeader__inSessionFont___1S1Ut{font-family:"BentonSans-Bold","BentonSans",Arial,sans-serif;font-weight:700;font-size:1rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__inSessionFont___1S1Ut{font-size:.875rem;line-height:1.25rem}}.axp-forum-editorial-container__EditorialHeader__trackTitleFont___1TgRz{font-family:"Helvetica Neue",Arial,Helvetica,sans-serif;font-size:1rem;line-height:1.5rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__trackTitleFont___1TgRz{font-size:.875rem;line-height:1.313rem}}.axp-forum-editorial-container__EditorialHeader__lessonNumberFont___KpHQE{font-family:"HelveticaNeue-Bold","Helvetica Neue",Arial,Helvetica,sans-serif;font-weight:600;font-size:1rem;line-height:1rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__lessonNumberFont___KpHQE{font-size:.938rem}}.axp-forum-editorial-container__EditorialHeader__lessonHeaderHeight___17rQB{height:400px}@media(min-width: 768px)and (max-width: 1023px){.axp-forum-editorial-container__EditorialHeader__lessonHeaderHeight___17rQB{height:300px}}@media screen and (max-width: 767px){.axp-forum-editorial-container__EditorialHeader__lessonHeaderHeight___17rQB{height:auto;flex-direction:column-reverse !important}}.axp-forum-editorial-container__EditorialHeader__lessonHeaderImage___oHfaG{object-fit:cover;max-width:fit-content}.axp-forum-editorial-container__EditorialHeader__editorialHeader___2AnA8{margin-left:-3px !important}@media screen and (max-width: 768px){.axp-forum-editorial-container__EditorialHeader__editorialHeader___2AnA8{font-size:1.875rem;line-height:2.375rem}}.axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9{font-family:"BentonSans-Black","Helvetica Neue","Helvetica","sans-serif";font-weight:300;font-size:1.875rem;line-height:2.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9{font-size:1.625rem;line-height:1.875rem}}.axp-forum-editorial-container__EditorialHeader__episodeTitle___2pI3c{color:#333;font-weight:500}.axp-forum-editorial-container__EditorialHeader__attribution___2SHdY{color:#333;font-size:.8125rem;text-transform:capitalize;margin-top:10px}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx{background:rgba(0,0,0,0)}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX{display:block}.axp-forum-editorial-container__EditorialHeader__fullBleedImageContainer___1Mdhm .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{background-position:right center;background-size:cover;background-repeat:no-repeat;height:230px}.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74{position:relative;max-width:38.75rem;max-height:21.875rem;width:38.75rem;height:21.875rem}@media(min-width: 1440px){.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74{max-width:45.75rem;max-height:24.875rem;width:45.75rem;height:24.875rem}}@media(min-width: 415px)and (max-width: 1023px){.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74{max-width:29.625rem;max-height:16.688rem;width:auto;height:16.688rem}}@media(max-width: 414px){.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74{max-width:21.875rem;max-height:12.25rem;width:auto;height:12.25rem}}.axp-forum-editorial-container__EditorialHeader__videoWrapper___3Nd74 iframe{position:absolute;top:0;left:0;width:100%;height:100%}.axp-forum-editorial-container__EditorialHeader__videoPlayer___ytjCc{border-width:0px}.axp-forum-editorial-container__EditorialHeader__msnbcWrapper___2PcVe{display:none}.axp-forum-editorial-container__EditorialHeader__flag___rrbmZ{padding:6px 18px;border-radius:20px;margin-right:10px}@media only screen and (max-width: 768px){.axp-forum-editorial-container__EditorialHeader__paddingZeroLeftRightSmDown___PfP-6{padding-right:0;padding-left:0}}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2{z-index:3}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 a{color:#006fcf}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 b{font-weight:800}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 p,.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 li{font-size:16px;line-height:24px}.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 p{margin-bottom:.625em !important}.axp-forum-editorial-container__EditorialHeader__fullBleedImageContainer___1Mdhm .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{object-fit:cover}@media only screen and (min-width: 768px){.axp-forum-editorial-container__EditorialHeader__msnbcWrapper___2PcVe{display:block;height:100px;width:96%;background:linear-gradient(to bottom, #3A526E, #20303F);padding:1.6rem 0 0}.axp-forum-editorial-container__EditorialHeader__msnbcWrapper___2PcVe .axp-forum-editorial-container__EditorialHeader__msnbcLogo___2AUlC{width:100%}.axp-forum-editorial-container__EditorialHeader__fullBleedImageContainer___1Mdhm .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{height:309px}.axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{max-width:29.625rem;max-height:16.688rem;width:29.625rem;height:16.688rem;background-position:center;background-size:cover;background-repeat:no-repeat}}@media only screen and (max-width: 1024px){.axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2 ul{padding-left:15px}}@media only screen and (min-width: 1024px){.axp-forum-editorial-container__EditorialHeader__msnbcWrapper___2PcVe{padding:1.25rem 0 0;margin-bottom:20px;width:94%}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX{display:block}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{max-width:38.75rem;max-height:21.875rem;width:38.75rem;height:21.875rem;background-position:center;background-size:cover;background-repeat:no-repeat}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX img{width:100%;height:auto;object-fit:cover}.axp-forum-editorial-container__EditorialHeader__marginLeftZeroLg___3MCWu{margin-left:0}}@media(min-width: 1440px){.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX{display:block}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX .axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI{max-width:45.75rem;max-height:24.875rem;width:45.75rem;height:24.875rem;background-position:center;background-size:cover;background-repeat:no-repeat}.axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx .axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX img{width:100%;height:auto;object-fit:cover}}@media all and (-ms-high-contrast: none){*::-ms-backdrop{width:100% !important}}.axp-forum-editorial-container__EditorialHeader__eyebrow___1CwbE{scrollbar-width:none;-ms-overflow-style:none}.axp-forum-editorial-container__EditorialHeader__eyebrow___1CwbE::-webkit-scrollbar{width:0px;background:rgba(0,0,0,0)}.axp-forum-editorial-container__EditorialHeader__keywordLabel___1gVvW{padding-left:.25rem;padding-right:.25rem;margin-left:.5rem}.axp-forum-editorial-container__EditorialHeader__keywordLabel___1gVvW:first-child{margin-left:0rem}.axp-forum-editorial-container__EditorialHeader__eyebrowText___2A01a{color:#006fcf;font-family:“BentonSans-Bold”,“BentonSans”,Arial,Helvetica,sans-serif;font-weight:600;font-size:1.25rem;line-height:1.5rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__eyebrowText___2A01a{font-size:1.125rem;line-height:1.375rem}}.axp-forum-editorial-container__EditorialHeader__simpleText___S8Pkr{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-weight:300;font-size:.813rem;line-height:1.375rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__simpleText___S8Pkr{font-size:.75rem;line-height:1.125rem}}.axp-forum-editorial-container__EditorialHeader__textOverlayFontOverrides___3jeD_{font-family:"BentonSans-Black","BentonSans",Arial,Helvetica,sans-serif;text-transform:uppercase;background-color:#00175a;line-height:1.75rem;font-size:1.375rem;height:1.75rem;font-weight:600;max-width:fit-content}@media screen and (min-width: 767px){.axp-forum-editorial-container__EditorialHeader__textOverlayFontOverrides___3jeD_{line-height:2.125rem;font-size:1.75rem;height:2.125rem}}.axp-forum-editorial-container__EditorialHeader__summaryText___176Hi{font-family:"HelveticaNeue",Arial,Helvetica,sans-serif;font-weight:600;font-size:1rem;line-height:1.375rem;color:#006fcf}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__summaryText___176Hi{font-size:.875rem;line-height:1.25rem}}.axp-forum-editorial-container__EditorialHeader__blueUnderline___1KIUu{padding-bottom:1.25rem !important;border-bottom:1px solid #00175a}.axp-forum-editorial-container__EditorialHeader__authorDetails___1SPJY{font-size:1rem;line-height:1rem}@media(max-width: 768px){.axp-forum-editorial-container__EditorialHeader__authorDetails___1SPJY{font-size:.875rem;line-height:1.25rem}}.axp-forum-editorial-container__EditorialHeader__socialShareTools___2ta4Y{left:100%;top:-5%}@media(min-width: 768px){.axp-forum-editorial-container__EditorialHeader__socialShareTools___2ta4Y{position:absolute !important}}.axp-forum-editorial-container__EditorialHeader__socialShareToolsVideo___3MVcV{margin-top:-2rem}.axp-forum-editorial-container__EditorialHeader__advertisingText___w4HuK{line-height:18px;color:#333;display:block}</style><style id="500de00780add32b6ff730789419e066f91967e8f9dd6f38d02397dc4f0fc477" data-ssr="true">.container{max-width:1240px}.blueUnderline{border-bottom:1px solid #00175a}.darkBlueUnderline{border-bottom:2px solid #00175a}.darkGrayFontColor{color:#333!important}.zIndex1{z-index:1}.merklePixel{width:0!important}.customHeading1{font-family:BentonSans-Black,BentonSans,Arial,Helvetica,sans-serif;font-size:2.5rem;font-weight:600;line-height:3rem}@media (max-width:768px){.customHeading1{font-size:1.875rem;line-height:2.125rem}}.standardContentMargins p{margin-bottom:.9375rem}.standardContentMargins p iframe{height:450px;width:100%}@media only screen and (max-width:768px){.standardContentMargins p iframe{height:250px}}@media only screen and (max-width:375px){.standardContentMargins p iframe{height:200px}}.standardContentMargins ol,.standardContentMargins ul{margin-bottom:.9375rem}.standardContentMargins div{margin-bottom:.625rem}footer[data-module-name=axp-footer]>hr:first-of-type{display:none!important}.trendingContentHeader{font-family:BentonSans-Black,BentonSans;font-size:1.875rem;font-weight:600;line-height:2.125rem}@media (min-width:768px){.trendingContentHeader{font-size:2.5rem;line-height:3rem}}.whiteUnderline{border-bottom:1px solid #fff}@media (min-width:1366px){.editorialContent p iframe{height:21pc!important}}@media (min-width:1024px) and (max-width:1365px){.editorialContent p iframe{height:20pc!important}}@media (min-width:768px) and (max-width:1023px){.editorialContent p iframe{height:42vw!important}}@media (min-width:626px) and (max-width:767px){.editorialContent p iframe{height:52.25vw!important}}@media (max-width:625px){.editorialContent p iframe{height:50vw!important}}.editorialContent p div{display:inline-block}.editorialContent p ol{margin-bottom:15px!important}.editorialContent p a{text-decoration:underline}.editorialContent ul li div{display:inline-block}._editorialWrapper_1o41p_117{margin:auto!important;max-width:1280px!important}._stickyContainer_1o41p_122{background-color:#f7f8f9;position:-webkit-sticky;position:sticky;text-align:-webkit-center;text-align:-moz-center;top:0;z-index:10}@media (min-width:768px) and (max-width:1023px){._tabletHeaderWidth_1o41p_133{max-width:100%}}._breadcrumb_1o41p_138{scrollbar-width:none;-ms-overflow-style:none}._breadcrumb_1o41p_138 li:last-child{color:#333}._breadcrumb_1o41p_138::-webkit-scrollbar{background:transparent;width:0}@media (min-width:768px){._breadcrumb_1o41p_138{padding-left:.625rem}}</style><style id="41f5a539f3283dd0bfd73abdc30d4d9941fc5f336383d3bc388ba1f24014cadc" data-ssr="true">._featuredHeadingStyles_1n7vr_1{font-size:1rem!important;font-weight:600;line-height:1.375rem}._customLogoStyle_1n7vr_7{max-height:90px}._lgImageWrapper_1n7vr_11{max-height:100px}._customSearchBox_1n7vr_15 input{caret-color:#97999b!important}._customSearch_1n7vr_15{background-color:transparent}._mobilePosition_1n7vr_23{bottom:42px;right:5px}@supports (font:-apple-system-body) and (-webkit-appearance:none){._mobilePosition_1n7vr_23{bottom:40px}}._searchPosition_1n7vr_33{margin-top:-3.5rem}._customSearchBox_1n7vr_15{position:absolute;right:0;top:-5px;z-index:0}._customSearchBox_1n7vr_15 div input{background-color:#f7f8f9;width:300px}@media (min-width:768px) and (max-width:1023px){._customSearchBox_1n7vr_15 div input{width:320px}}@media (min-width:425px) and (max-width:767px){._customSearchBox_1n7vr_15 div input{width:400px}}@media (min-width:321px) and (max-width:424px){._customSearchBox_1n7vr_15 div input{width:350px}}@media (max-width:320px){._customSearchBox_1n7vr_15 div input{width:300px}}._customSearchBox_1n7vr_15 input::placeholder{color:#8e9092!important}._customSearchBox_1n7vr_15 input:-ms-input-placeholder{color:#8e9092!important}._zIndex1_1n7vr_74{z-index:1}@media (max-width:414px){._mobileHeroWidth_1n7vr_79>img,::-ms-backdrop{width:100%!important}._customContainer_1n7vr_82{flex-direction:row-reverse}}._breadCrumb_1n7vr_86{scrollbar-width:none;-ms-overflow-style:none}._breadCrumb_1n7vr_86 li:last-child{color:#333}._breadCrumb_1n7vr_86::-webkit-scrollbar{background:transparent;width:0}._responsiveFeaturedSection_1n7vr_98{display:block!important;font-size:1rem;font-weight:800;line-height:1.2em;margin:0 auto!important;padding-top:0!important}._responsiveFeaturedSection_1n7vr_98 a{margin:0;padding:0;width:100%}._breadcrumbPadding_1n7vr_112{padding-bottom:1rem}._headerPadding_1n7vr_116{margin-bottom:3rem}._customTagPad_1n7vr_120 button{padding-bottom:1.55rem!important;padding-top:1.55rem!important}@media (min-width:768px){._customTagPad_1n7vr_120 button{padding-bottom:1.5rem!important;padding-top:1.5rem!important}}</style> <script>var w=window;if(w.performance||w.mozPerformance||w.msPerformance||w.webkitPerformance){var d=document;AKSB=w.AKSB||{},AKSB.q=AKSB.q||[],AKSB.mark=AKSB.mark||function(e,_){AKSB.q.push(["mark",e,_||(new Date).getTime()])},AKSB.measure=AKSB.measure||function(e,_,t){AKSB.q.push(["measure",e,_,t||(new Date).getTime()])},AKSB.done=AKSB.done||function(e){AKSB.q.push(["done",e])},AKSB.mark("firstbyte",(new Date).getTime()),AKSB.prof={custid:"492859",ustr:"",originlat:"0",clientrtt:"3",ghostip:"23.54.158.90",ipv6:false,pct:"10",clientip:"8.222.208.146",requestid:"583818b0",region:"47863",protocol:"",blver:14,akM:"x",akN:"ae",akTT:"O",akTX:"1",akTI:"583818b0",ai:"219767",ra:"false",pmgn:"",pmgi:"",pmp:"",qc:""},function(e){var _=d.createElement("script");_.async="async",_.src=e;var t=d.getElementsByTagName("script"),t=t[t.length-1];t.parentNode.insertBefore(_,t)}(("https:"===d.location.protocol?"https:":"http:")+"//ds-aksb-a.akamaihd.net/aksb.min.js")}</script> </head> <body class="trends-insights-outer-wrapper axp-forum-root__ForumRoot__removeOverflowHidden___2tyvt"> <div id="root"><div data-module-name="axp-forum-root"><div class="body"><div class="trends-insights-inner-wrapper"><main><div class="forum-wrapper" data-bti-module-name="axp-forum-page-wrapper"><div class="width-full _stickyContainer_1o41p_122"><nav data-module-name="axp-forum-header" aria-label="navigation" class="nav border-b dls-gray-01-bg axp-forum-header__ForumHeader__height60___2jgHC"><a href="#skipSubNavMenu" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl sr-only axp-forum-header__ForumHeader__skip___2w2x2">Skip to content</a><div><div class="dls-bright-blue axp-forum-header__ForumHeader__height60___2jgHC hidden-lg-up flex-justify-between dls-gray-01-bg border-b"><div class="flex axp-forum-header__ForumHeader__height60___2jgHC"><a href="https://www.americanexpress.com/us/credit-cards/business?intlink=bti-global-header-dontdobizwithoutit" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl flex flex-align-center axp-forum-header__ForumHeader__logoMargin___1VANM pad-3-l-md-up"><img class="axp-forum-header__ForumHeader__mobileLogo___23TGC" width="200px" height="23px" src="https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/open_logo_mobile.png" alt="DON'T do business WITHOUT IT"/></a><div class="flex flex-align-center margin-2-tb margin-2-r margin-auto-l axp-forum-header__ForumHeader__dottedFocus___1pEry" id="menu-toggle" role="button" tabindex="0" aria-label="Open"><div class="axp-forum-header__ForumHeader__iconOverrides___3LGjf icon dls-icon-down"></div></div></div><div class="scroll-y position-absolute width-full hidden-lg-up axp-forum-header__ForumHeader__mobileDropdown___CapBc invisible"><div id="mobile-menu"></div></div></div></div><div><div class="dls-bright-blue axp-forum-header__ForumHeader__height60___2jgHC nav-horizontal nav-large hidden-md-down margin-2-l-md-up margin-1-r-md-up axp-forum-header__ForumHeader__subnavWrapper___C0L3U"><div class="flex axp-forum-header__ForumHeader__height60___2jgHC"><div class="nav-header margin-3-r pad-1-r width-full"><a href="https://www.americanexpress.com/us/credit-cards/business?intlink=bti-global-header-dontdobizwithoutit" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p>Business Services Home</p></a><div class="position-relative dls-gray-01-bg border-b axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__noOutlineOnFocus___3pC5q axp-forum-header__ForumHeader__dropdown___3FAmT"><div tabindex="0" role="button" id="menu-header-1" class="text-wrap dls-bright-blue height-full margin-0 flex flex-align-center axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__subnavText___3I0Fl axp-forum-header__ForumHeader__dottedFocus___1pEry"><h3>Business Cards</h3></div><div class="pad-1-lr pad-2-b text-wrap flex pad-2-t border-lr border-b position-absolute flex-justify-between dls-gray-01-bg axp-forum-header__ForumHeader__panel___2E0nU flex-column"><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-b margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/?intlink=bti-nav-head-businesscards-viewallbusinesscards" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-tb"><p class="width-full">View All Business Cards</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/?intlink=bti-nav-head-businesscards-comparecards" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Compare Cards</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><h4 class="dls-gray-05 text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Corporate Card Programs</h4><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/us/business/corporate-credit-cards/startups/?intlink=bti-nav-head-businesscards-forstartups" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-tb"><p class="width-full">For Startups</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/us/credit-cards/business/corporate-credit-cards/?intlink=bti-nav-head-businesscards-forlargecompanies" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-tb"><p class="width-full">For Large Companies</p></a></li></ul></div></div></div><div class="position-relative dls-gray-01-bg border-b axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__noOutlineOnFocus___3pC5q axp-forum-header__ForumHeader__dropdown___3FAmT"><div tabindex="0" role="button" id="menu-header-2" class="text-wrap dls-bright-blue height-full margin-0 flex flex-align-center axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__subnavText___3I0Fl axp-forum-header__ForumHeader__dottedFocus___1pEry"><h3>Payment Solutions</h3></div><div class="pad-1-lr pad-2-b text-wrap flex pad-2-t border-lr border-b position-absolute flex-justify-between dls-gray-01-bg axp-forum-header__ForumHeader__panel___2E0nU flex-column"><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-b margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/global-pay/?intlink=bti-nav-head-paymentsolutions-internationalpayments" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">International Payments</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/payment-solutions/employee-spending/?intlink=bti-nav-head-paymentsolutions-employeespending" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Employee Spending</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/payment-solutions/vendor-payments/?intlink=bti-nav-head-paymentsolutions-vendorpayments" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Vendor Payments</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/payment-solutions/accounts-payable-automation/?intlink=bti-nav-head-paymentsolutions-automatedpayments" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Automated Payments</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="https://www.americanexpress.com/en-us/business/payment-solutions/?intlink=bti-nav-head-paymentsolutions-viewallpaymentsolutions" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">View All Payment Solutions</p></a></li></ul></div></div></div><div class="position-relative dls-gray-01-bg border-b axp-forum-header__ForumHeader__topicMenu___1PBMC axp-forum-header__ForumHeader__right20___1y11x axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__noOutlineOnFocus___3pC5q axp-forum-header__ForumHeader__dropdown___3FAmT"><div tabindex="0" role="button" id="menu-header-3" class="text-wrap dls-bright-blue height-full margin-0 flex flex-align-center axp-forum-header__ForumHeader__height60___2jgHC axp-forum-header__ForumHeader__subnavText___3I0Fl axp-forum-header__ForumHeader__dottedFocus___1pEry"><h3>Business Class</h3></div><div class="pad-1-lr pad-2-b text-wrap flex pad-2-t border-lr border-b position-absolute flex-justify-between dls-gray-01-bg axp-forum-header__ForumHeader__panel___2E0nU"><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-r margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="https://www.americanexpress.com/en-us/business/trends-and-insights/?linknav=bti-nav-head-trendsandinsightsmenu-trendsandsinsights" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Business Class</h4><p class="margin-2-tb dls-gray-05 text-wrap axp-forum-header__ForumHeader__description___3vQqi">Insights and Inspiration to Help Grow Your Business</p></a></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-r margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="/en-us/business/trends-and-insights/topics/managing-money/?linknav=bti-nav-head-trendsandinsightsmenu-managingmoney/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column margin-2-b-lg-up"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Managing Money</h4></a><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/cash-flow/?linknav=bti-nav-head-trendsandinsightsmenu-managingmoney/-cashflow/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Cash Flow</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/financing/?linknav=bti-nav-head-trendsandinsightsmenu-managingmoney/-financing/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Financing</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-r margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="/en-us/business/trends-and-insights/topics/getting-customers/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column margin-2-b-lg-up"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Getting Customers</h4></a><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/marketing-and-sales/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-marketingandsales/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Marketing & Sales</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/customer-relations/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-customerrelations/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Customer Relations</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/digital-tools/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-digitaltools/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Digital Tools</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/social-media-strategy/?linknav=bti-nav-head-trendsandinsightsmenu-gettingcustomers/-socialmediastrategy/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Social Media Strategy</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl border-r margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="/en-us/business/trends-and-insights/topics/building-your-team/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column margin-2-b-lg-up"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Building Your Team</h4></a><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/hiring-and-hr/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-hiringandhr/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Hiring & HR</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/company-culture/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-companyculture/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Company Culture</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/leadership/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-leadership/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Leadership</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/productivity/?linknav=bti-nav-head-trendsandinsightsmenu-buildingyourteam/-productivity/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Productivity</p></a></li></ul></div><div aria-label="submenu" role="listbox" tabindex="0" class="text-align-left pad-2-lr axp-forum-header__ForumHeader__subnavSection___ZjTsT axp-forum-header__ForumHeader__subnavText___3I0Fl margin-1-b axp-forum-header__ForumHeader__dottedFocus___1pEry"><a href="/en-us/business/trends-and-insights/topics/planning-for-growth/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl pad-1-t flex-column margin-2-b-lg-up"><h4 class="dls-bright-blue text-wrap pad-1-t axp-forum-header__ForumHeader__subnavText___3I0Fl">Planning for Growth</h4></a><ul class="axp-forum-header__ForumHeader__listStyleNone___SCDK_"><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/strategy/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-strategy/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Strategy</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/growth-opportunities/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-growthopportunities/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Growth Opportunities</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/research/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-research/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Research</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/operations/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-operations/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Operations</p></a></li><li class="text-wrap margin-1-tb axp-forum-header__ForumHeader__dottedFocus___1pEry axp-forum-header__ForumHeader__subnavText___3I0Fl" role="menuitem"><a href="/en-us/business/trends-and-insights/topics/industry-insights/?linknav=bti-nav-head-trendsandinsightsmenu-planningforgrowth/-industryinsights/-seeall" tabindex="0" class="flex axp-forum-header__ForumHeader__subnavLink___GihBo axp-forum-header__ForumHeader__subnavText___3I0Fl "><p class="width-full">Industry Insights</p></a></li></ul></div></div></div></div></div></div></div><div id="skipSubNavMenu"></div></nav></div><div class="container row margin-center _tabletHeaderWidth_1o41p_133"><div id="btiHeader" class="pad-1-l margin-4-b flex width-full margin-2-t-md-up flex-align-end flex-column blueUnderline"><div class="row width-full pad-2-t-md-up margin-0-r _headerPadding_1n7vr_116"><div id="featuredList" class="flex-column col-md-4 pad-0-l hidden-sm-down trending-topics-section pad-1-b pad-0-lr position-relative zIndex1"><div class="tagsWrapper display-inline-block container margin-0-l pad-0-lr margin-1-r" data-bti-module-name="axp-forum-content-list" data-bti-module-variant="tagList"><div class="text-uppercase dls-deep-blue pad-1-b _featuredHeadingStyles_1n7vr_1">Topics</div><div class="row pad-1-t margin-0-l _responsiveFeaturedSection_1n7vr_98 margin-2-b heading-3 text-uppercase"><div><a title="Managing Money" label="Managing Money" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/topics/managing-money/"><span class="tag margin-0-r margin-0-l position-relative">Managing Money</span> <span aria-hidden="true"> ></span></a></div><div><a title="Getting Customers" label="Getting Customers" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/topics/getting-customers/"><span class="tag margin-0-r margin-0-l position-relative">Getting Customers</span> <span aria-hidden="true"> ></span></a></div><div><a title="Building Your Team" label="Building Your Team" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/topics/building-your-team/"><span class="tag margin-0-r margin-0-l position-relative">Building Your Team</span> <span aria-hidden="true"> ></span></a></div><div><a title="Planning for Growth" label="Planning for Growth" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/topics/planning-for-growth/"><span class="tag margin-0-r margin-0-l position-relative">Planning for Growth</span> <span aria-hidden="true"> ></span></a></div></div></div></div><div id="featuredList" class="flex-column col-md-3 margin-4-l hidden-sm-down trending-topics-section pad-1-b pad-0-lr position-relative zIndex1"><div class="tagsWrapper display-inline-block container margin-0-l pad-0-lr margin-1-r" data-bti-module-name="axp-forum-content-list" data-bti-module-variant="tagList"><div class="text-uppercase dls-deep-blue pad-1-b _featuredHeadingStyles_1n7vr_1">Videos</div><div class="row pad-1-t margin-0-l _responsiveFeaturedSection_1n7vr_98 margin-2-b heading-3 text-uppercase"><div><a title="Explainer Videos" label="Explainer Videos" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/solutions/explainer-videos/"><span class="tag margin-0-r margin-0-l position-relative">Explainer Videos</span> <span aria-hidden="true"> ></span></a></div><div><a title="Educational Shorts" label="Educational Shorts" class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/solutions/educational-shorts/"><span class="tag margin-0-r margin-0-l position-relative">Educational Shorts</span> <span aria-hidden="true"> ></span></a></div><div><a title="Small Business Stories " label="Small Business Stories " class="flex _customTagPad_1n7vr_120" href="/en-us/business/trends-and-insights/solutions/shop-small-stories/"><span class="tag margin-0-r margin-0-l position-relative">Small Business Stories </span> <span aria-hidden="true"> ></span></a></div></div></div></div><div class="flex flex-column pad-0-l pad-1-r pad-1-tb-sm-down margin-auto-l col-md-4 col-lg-4"><div id="bcLogo" class="margin-2-b-md-up flex flex-align-end flex-column"><img src="https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_bc_article_logo_right_justified.png" alt="American Express Business Class Logo"/></div><div class="flex flex-justify-end margin-1-r-sm-down"><div class="col-sm-12 col-md-12 text-align-right-md-up text-align-left-sm-down pad-b-sm-down flex-basis-auto"></div></div></div></div></div></div><div class="_editorialWrapper_1o41p_117 border-b"><div><div><div class="pad-0-lr container"><div class="flex margin-0-lr pad-4-b border-b"><div class="pad-0-l pad-2-r col-md-4 col-lg-3 hidden-sm-down position-relative"><div id="relatedContainer" class="pad-1-l flex flex-column axp-forum-editorial-container__LeftRail__customGap___21q7i"><div id="leftRailBanner"><div><p class="legal-2 text-align-center pad-1-b dls-black text-uppercase axp-forum-banner__ForumBanner__advertisementTitle___2xFjC">Advertisement</p><a id="leftRailBannerImg" href="https://www.americanexpress.com/en-us/business/credit-cards/blue-business-cash/?intlink=us-bti-leftrailbanner-cashflow-all-hipabluebizcashcard"><img src="https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2023/10/amex_display_static_160x600_2pct_blue.jpg" alt="Break new ground with 2% cash back HIPA Blue Business Cash Card"/></a></div></div><div id="relatedContent" class="axp-forum-editorial-container__LeftRail__relatedMinHeight___1FVHL"><h2 class="text-uppercase dls-deep-blue margin-1-b axp-forum-editorial-container__LeftRail__leftRailTitleSection___1jo9m">Related Content</h2><div class="position-absolute dls-accent-white-01-bg axp-forum-editorial-container__LeftRail__relatedContentList____fO8K"><div role="status" aria-label="Loading" tabindex="0" aria-busy="false"><div class="width-full axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB"><div class="text-align-center margin-1-t dls-gray-02-bg axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo"><div class="axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60">Loading...</div></div><div class="dls-gray-02-bg margin-1-b axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS"></div><div class="dls-gray-01-bg axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2"></div></div></div><div role="status" aria-label="Loading" tabindex="0" aria-busy="false"><div class="width-full axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB"><div class="text-align-center margin-1-t dls-gray-02-bg axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo"><div class="axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60">Loading...</div></div><div class="dls-gray-02-bg margin-1-b axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS"></div><div class="dls-gray-01-bg axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2"></div></div></div><div role="status" aria-label="Loading" tabindex="0" aria-busy="false"><div class="width-full axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB"><div class="text-align-center margin-1-t dls-gray-02-bg axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo"><div class="axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60">Loading...</div></div><div class="dls-gray-02-bg margin-1-b axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS"></div><div class="dls-gray-01-bg axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2"></div></div></div><div role="status" aria-label="Loading" tabindex="0" aria-busy="false"><div class="width-full axp-forum-editorial-container__LeftRail__placeholderTile___3hiFB"><div class="text-align-center margin-1-t dls-gray-02-bg axp-forum-editorial-container__LeftRail__titlePlaceholderTop___5Igdo"><div class="axp-forum-editorial-container__LeftRail__screenReaderOnly___2qF60">Loading...</div></div><div class="dls-gray-02-bg margin-1-b axp-forum-editorial-container__LeftRail__titlePlaceholderBottom___3mDVS"></div><div class="dls-gray-01-bg axp-forum-editorial-container__LeftRail__authorPlaceholder___3Bqa2"></div></div></div></div></div></div></div><div class="col-md-8 col-lg-8 col-sm-12"><div id="editorialContainer" class="dls-app dls-white-bg axp-forum-editorial-container__EditorialContainer__editorialWrapper___142Yl" data-bti-module-name="axp-forum-editorial-container"><div id="editorialHeader" class="col-sm-12 pad-0-lr margin-1-l-sm-down pad-table-sm-lr axp-forum-editorial-container__EditorialHeader__editorialHeaderWrapper___288lx" data-bti-module-name="axp-forum-editorial-header"><div><div id="headerMain" class="pad-0-lr container"><div class="row"><div class="col-sm-12 col-md-10 pad-1-l axp-forum-editorial-container__EditorialHeader__marginLeftZeroLg___3MCWu axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9"><h1 class="heading-6 axp-forum-editorial-container__EditorialHeader__postTitle___3kCK9 axp-forum-editorial-container__EditorialHeader__editorialHeader___2AnA8">Navigating Accounts Receivable for Building Success</h1></div></div><div class="margin-2-t margin-3-b position-relative hidden-sm-down axp-forum-editorial-container__EditorialHeader__headerImageContainer___B9UPX"><img id="headerImage" alt="Woman at desk looking at paperwork" class="axp-forum-editorial-container__EditorialHeader__headerImage___GzQQI" src="https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2024/03/navigatingaccountsreceivableheader.jpg?imwidth=968"/><div class="margin-auto-l-xs-up pad-2-t hidden-md-down axp-forum-editorial-container__EditorialHeader__socialShareTools___2ta4Y"><div class="axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql axp-forum-social-share-tools__ForumSocialShareTools__displayVertical___3yb_8 " data-bti-module-name="axp-forum-social-share-tools"><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--twitter axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="Twitter Icon" src="data:image/png;base64,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"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--facebook axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="Facebook Icon" src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/0.3.0/package/img/social/social-network-facebook.svg"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--linkedin axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="LinkedIn Icon" src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/0.3.0/package/img/social/social-network-linkedin.svg"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--email axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4 axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk"><div role="button" id="emailShare" aria-label="Email Share" class="axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI icon dls-icon dls-icon-email dls-bright-blue"></div></div></div></div></div><div></div></div></div><div class="pad-0-l container col-md-8 margin-center"><div class="row"><div class="col-md-8 axp-forum-editorial-container__EditorialHeader__authorDetails___1SPJY"><div><div id="headerAuthor" class="pad-1-tb"><div><div class="flex flex-align-items-center flex-wrap axp-forum-author__Author__authorBio___ki2Yq" data-bti-module-name="axp-forum-author" data-bti-module-variant="bio"><div id="headerAuthor"><div><a class="" href="/en-us/business/trends-and-insights/authors/dahna-m-chandler/"><span id="authorName" class="heading-3 dls-accent-blue-02">Dahna M. Chandler</span></a></div><div id="authorCompany" class="axp-forum-author__Author__simpleText___1Iu81"></div></div></div></div></div></div></div></div></div><div class="pad-0-l container col-md-8 margin-center"><div class="margin-1-r-sm-down row"><div id="articleSummary" class="pad-1-l margin-3-tb axp-forum-editorial-container__EditorialHeader__summarySection___fSrf2"><div class="dls-white text-align-center col-md-3 col-sm-5 heading-5 pad-0-t margin-2-b-xl-down axp-forum-editorial-container__EditorialHeader__textOverlayFontOverrides___3jeD_">Summary</div><div class="dls-bright-blue pad-3-r-md-up pad-1-r axp-forum-editorial-container__EditorialHeader__blueUnderline___1KIUu axp-forum-editorial-container__EditorialHeader__summaryText___176Hi"><p>By managing your accounts receivable strategically, you can more effectively manage your cash flow. </p></div></div></div></div></div><div id="editorialBody" class="container pad-t-sm-down pad-0-l" data-bti-module-name="axp-forum-editorial-body"><div class="row"><div class=" axp-forum-editorial-body__editorial__postBodyPadding___2aORD pad-2-lr-sm-down col-xs-12 col-sm-12 col-md-12 "><div id="editorialPostContent" class="axp-forum-editorial-body__editorial__postContent___2LwVN axp-forum-editorial-body__blockquote__postContent___5SNSe editorialContent pad-3-b"><h2 class="display-none"></h2><h3 class="display-none"></h3><h4 class="display-none"></h4><h5 class="display-none"></h5><h6 class="display-none"></h6><ul class="display-none"></ul><ol class="display-none"></ol><p>Business owners can't manage what they can't measure. In small-business finance, this adage can be especially true when managing your accounts receivable. Effective management of accounts receivable means knowing where your <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/knowing-the-3-sources-of-business-cash-flow" title="cash flow">cash flow</a> is coming from and keeping careful track of who owes your business money. That can require a strategic approach to regularly collecting what your business is owed, which can be crucial for achieving <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/3-essential-financial-goals-for-any-business/" title="financial success in business">financial success in business</a>. </p> <p>Excelling at strategically managing your organization’s accounts receivable can be paramount to small-business prosperity. Not taking a strategic approach to collecting your A/R can lead to cash-flow issues. “If you don't manage your A/R well, that can bring your business down because it means your business’s money is money tied up in somebody else's hands,” says Paige Oldham, founder of <a href="https://www.mindfulcfo.com/" title="The Mindful CFO">The Mindful CFO</a>. “You need your cash flow to be regular so you can pay yourself, your employees, and keep your doors open,” she adds.</p> <p>These strategies can help you optimize this fundamental component of your company's financial health. From building strong customer relationships to using technology like accounts receivable management services, all can play an essential role in measuring and managing your A/R.</p> <h2>Understanding Accounts Receivable Management</h2> <p>At its core, <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/what-are-accounts-payable-and-accounts-receivable/" title="accounts receivable">accounts receivable</a> management involves overseeing tracking and collecting payments owed by customers. “Anytime you make a sale, that produces a receivable owed to you by your customer or client,” says Oldham, who offers fractional CFO services to small businesses. “You need to collect that money as quickly as possible to maintain solid cash flow,” she adds.</p> <p>A/R includes invoicing, payment tracking, and following up on overdue accounts. The primary goal is to ensure timely <a href="https://www.americanexpress.com/en-us/business/trends-and-insights/articles/7-smart-tips-for-collecting-from-late-paying-customers" title="collection of payments">collection of payments</a> while maintaining positive relationships with customers. It helps prevent debt owed to your business from becoming uncollectable. </p> <p>To help achieve this, businesses set clear processes for their accounts receivable goals. These goals typically revolve around improving cash flow, reducing outstanding balances, and minimizing the risk of <a href="https://www.cfo.com/news/3-ways-to-control-uncollectible-balances-metric-of-the-month/686814/" title="bad debt">bad debt</a>. By establishing specific objectives, businesses can focus their efforts and measure their progress effectively. Here are several key components of effective accounts receivables management:</p> <ul> <li><b>Clear goal setting:</b> Establish specific objectives for accounts receivable processes, such as improving cash flow and reducing outstanding balances. </li> <li><b>Credit management:</b> Evaluate customer creditworthiness to set credit limits and monitor customer payment patterns to identify risks or changes.</li> <li><b>Efficient invoicing:</b> Streamline the invoicing process to ensure prompt delivery of invoices and clear communication of payment terms. </li> <li><b>Timely follow-up:</b> Implement procedures for tracking overdue accounts and starting follow-up actions, such as reminder emails or phone calls. </li> <li><b>Customer communication:</b> Maintain open and transparent communication with customers regarding payment terms and expectations.</li> </ul> <p>“One of your most important goals is getting customers to pay when or as soon after a transaction happens,” explains Oldham. “Send your invoices out in a timely manner and make sure you have follow-up steps in place to collect your money,” she adds.</p> <h2>Strategies for Effective Management of Receivables</h2> <p>Establishing clear goals is just the first step. To truly optimize accounts receivable management, businesses should consider incorporating core practices into their business operations. This involves not only setting targets but also implementing measures to achieve them efficiently.</p> <p>Adopting A/R technology can help streamline invoicing and payment processing, reducing delays and errors. Businesses that leverage automation tools for accounts receivable management can experience significant improvements in efficiently collecting invoices and cash flow.</p> <blockquote>"One of your most important goals is getting customers to pay when or as soon after a transaction happens. Send your invoices out in a timely manner and make sure you have follow-up steps in place to collect your money." —Paige Oldham, founder, The Mindful CFO </blockquote> <p>Businesses should regularly review and adjust their A/R management strategies based on business performance and market conditions. By taking an adaptive approach that periodically assesses objectives against current realities, companies can help ensure their A/R strategies stay aligned with goals as business factors evolve. This continual refinement process helps maximize the effectiveness of A/R management efforts in supporting the evolving needs of the business.</p> <p>Here are some business processes you should have in place to help the management of receivables: </p> <ul> <li><b>Embrace technology:</b> Adopting accounting software or using an <a href="https://www.americanexpress.com/en-us/business/payments/vendor-pay/" title="accounts receivables management service">accounts receivables management service</a> allows automating repetitive tasks like billing and deposits, helping to save time and improve accuracy over manual processes. Using automation tools for invoicing and payment processing can also help streamline A/R operations, reduce errors, and ensure faster payments. Look for integrated payment solutions that make it easy for customers to pay online or via mobile apps.</li> <li><b>Conduct regular receivables reviews:</b> Routinely analyze collection metrics, operational issues, and market factors to assess progress towards your accounts receivable goals and develop action plans for continually refining accounts receivable management strategies.</li> <li><b>Adopt customer segmentation:</b> Analyzing payment behaviors allows splitting the customer base into risk tiers like low, medium, and high. Target high-risk customers who often pay late with more assertive collection strategies to help reduce write-offs.</li> <li><b>Offer payment incentives to customers:</b> These may encourage customers accustomed to making slow payments to change these behaviors. Provide incentives for early payment or prompt settlement of overdue accounts to help encourage timely payments.</li> <li><b>Collaborate across teams:</b> Involving sales, customer service, and finance in collection efforts helps ensure everyone has visibility into account issues or concerns that could impact payments. Timely communication between departments helps address customer needs quickly and avoid potential disputes that slow cash flow. If you outsource your A/R to a bookkeeper or A/R management service, be sure your policies and theirs align.</li> </ul> <p>“Offering enticements as part of your payment terms may get you your cash faster,” says Oldham. Whether it's a 2% discount for payment within 10 days or waiving late fees for settling an overdue invoice by a certain date, consider options to get your customers to pay you on time, or at least in full when they pay late.</p> <h2>Best Practices for Effective Accounts Receivable Management</h2> <p>Effective accounts receivable management requires implementing best practices to help optimize payment collection processes and maintain healthy client relationships. Here are several that you should consider using to strategically collect what's owed to your business and help keep your cash flow solid.</p> <ol> <li><b>Build strong client relationships:</b> Fostering trust and transparency through clear communication and engagement helps build loyal customers who are more willing to pay promptly. Tracking interactions and preferences in a CRM program can enhance engagement. Sending thank-you notes after transactions shows appreciation, which can help strengthen relationships and encourage timely payments.</li> <li><b>Establish clear collection procedures:</b> Having step-by-step methods for payment follow-up at different delinquency stages streamlines handling of late and non-paying accounts. This can help reduce the likelihood of debt becoming uncollectible. </li> <li><b>Monitor your clients' industries:</b> By following developments in your clients' business sectors, like layoffs or business failures, you can expect risks to their revenue streams and adjust. You can then adapt payment terms with an understanding of the potential economic pressures buyers face with cash flow.</li> <li><b>Train your staff on your A/R policies:</b> Educating all employees involved in A/R can prevent inconsistent application of payment policies that can damage customer relationships and lead to poor accounting or legal compliance. Standardized training can also help increase staff confidence in representing company policies to buyers, too, and can limit nonpaying customers. If you use a bookkeeper, make sure they understand your company policies related to A/R.</li> <li><b>Benchmark against industry metrics:</b> Use industry data regularly and effectively. Compare your A/R performance with your industry peers to help reveal your strongest and weakest practices in cash recovery. With insight into those metrics, you can help improve your cash collection with specific process revisions.</li> <li><b>Cross-train staff for employee absences or gaps:</b> Ensure multiple staff understand each client's payment histories and current statuses. Identify employees who have thorough knowledge of accounts who can assume responsibility for clients if another employee is absent or leaves. That can help you avoid delays in collecting outstanding balances during staff transitions.</li> </ol> <h2>The Importance of Accounts Receivables Assessments</h2> <p>An accounts receivable assessment involves analyzing the aging of outstanding invoices to identify overdue accounts and assess the effectiveness of collection efforts. “You need to regularly age your receivables to determine whether you're collecting money owed to your business steadily and efficiently,” says Oldham.</p> <p>Your business should consider creating and reviewing its accounts receivable aging report frequently to determine the average time to collect payments and prioritize follow-up actions based on the age of outstanding invoices.</p> <p>Here's a sample accounts receivable assessment:</p> <p><i>Accounts Receivable Assessment</i></p> <p><i>As of December 31, 2023</i></p> <p><i>Total Accounts Receivable Balance: $500,000</i></p> <p><i>Aging of Accounts Receivable:</i></p> <p><i>Current (0-30 days): $250,000 (50% of total) </i></p> <p><i>31-60 days: $100,000 (20% of total)</i></p> <p><i>61-90 days: $50,000 (10% of total) </i></p> <p><i>Over 90 days: $100,000 (20% of total)</i></p> <p><i>Estimated Uncollectible Amounts:</i></p> <p><i>We estimate that 5% of receivables outstanding 0-30 days will be uncollectible, totaling $12,500.</i></p> <p><i>10% of receivables outstanding 31-60 days will be uncollectible, totaling $10,000. </i></p> <p><i>25% of receivables outstanding 61-90 days will be uncollectible, totaling $12,500.</i></p> <p><i>50% of receivables over 90 days will be uncollectible, totaling $50,000.</i></p> <p><i>Estimated Allowance for <a href="https://www.investopedia.com/terms/a/allowancefordoubtfulaccounts.asp" title="Doubtful Accounts">Doubtful Accounts</a>: $85,000</i></p> <p><i>Net Realizable Value of Accounts Receivable: $415,000</i></p> <p>Conducting an accounts receivable assessment helps you assess the collectability of your company's accounts receivable balances based on this aging analysis and estimate uncollectible amounts. Performing regular assessments based on the aging of debt provides insight into the quality of outstanding receivables and the amount of cash expected to be collected.</p> <h2>A Bridge to Small Business Financial Agility</h2> <p>Managing accounts receivable strategically can lead to managing your cash flow effectively. It's one of the most important practices to help ensure the financial prosperity of your business and keep it agile. Learn how to apply more best practices for <a href="https://www.americanexpress.com/en-us/business/resources/grow-business/small-business-cash-flow-management/" title="managing small business cash flow">managing small business cash flow</a>. </p> <p><i>Photo: Getty Images</i></p></div></div></div></div><p id="publishedDate" class="pad-2-t-md-down pad-0-b margin-1-b axp-forum-editorial-container__EditorialContainer__simpleText___3k46m"><b>Published: </b><span>March 27, 2024</span></p><div class="container"><div class="col-xs-12 col-sm-12 col-md-8 col-md-offset-2 margin-2-t text-align-right undefined axp-forum-editorial-container__EditorialContainer__removeOffset___3nG6_"><div class="axp-forum-social-share-tools__ForumSocialShareTools__btiShareTools___3vRql " data-bti-module-name="axp-forum-social-share-tools"><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--twitter axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="Twitter Icon" src="data:image/png;base64,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"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--facebook axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="Facebook Icon" src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/0.3.0/package/img/social/social-network-facebook.svg"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--linkedin axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4"><img alt="LinkedIn Icon" src="https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/0.3.0/package/img/social/social-network-linkedin.svg"/></div><div role="button" tabindex="0" class="SocialMediaShareButton SocialMediaShareButton--email axp-forum-social-share-tools__ForumSocialShareTools__shareButton___3uPL4 axp-forum-social-share-tools__ForumSocialShareTools__email___3oDGk"><div role="button" id="emailShare" aria-label="Email Share" class="axp-forum-social-share-tools__ForumSocialShareTools__emailIcon___4lnRI icon dls-icon dls-icon-email dls-bright-blue"></div></div></div></div></div></div></div></div></div><div id="digDeeper" class="container margin-2-b margin-4-t pad-0-lr"><span id="spanStyleIncluder" class="display-none"></span><div class="row margin-0-lr"><div class="col-xs-12 axp-forum-editorial-container__EditorialContainer__digDeeperCustomPadding___vBHkZ"><div class="margin-3-b"><div class="tagsWrapper display-inline-block container margin-0-l pad-0-lr axp-forum-editorial-container__EditorialContainer__tagWrapperOverrides___3ga3u" data-bti-module-name="axp-forum-content-list" data-bti-module-variant="tagList"><div class="border-b pad-1-b dls-deep-blue text-uppercase axp-forum-editorial-container__EditorialContainer__digDeeperCustomTitle___1LeS7">Want to Dig Deeper?</div><div class="row pad-1-t margin-0-l axp-forum-editorial-container__EditorialContainer__digDeeperContainerOverrides___25Gqr"><div><a title="Managing Money" label="Managing Money" class="flex axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy" href="/en-us/business/trends-and-insights/topics/managing-money/"><span class="tag margin-0-r margin-0-l position-relative axp-forum-content-list__tag__textLink___FRANb">Managing Money</span> </a></div><div><a title="Accounts Receivable Payable" label="Accounts Receivable Payable" class="flex axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy" href="/en-us/business/trends-and-insights/topics/accounts-receivablepayable/"><span class="tag margin-0-r margin-0-l position-relative axp-forum-content-list__tag__textLink___FRANb">Accounts Receivable Payable</span> </a></div><div><a title="Cash Flow" label="Cash Flow" class="flex axp-forum-editorial-container__EditorialContainer__digDeeperTagOverrides___PY0vy" href="/en-us/business/trends-and-insights/topics/cash-flow/"><span class="tag margin-0-r margin-0-l position-relative axp-forum-content-list__tag__textLink___FRANb">Cash Flow</span> </a></div></div></div></div></div></div></div><div id="trending-content-module" class="pad-4-tb pad-4-lr-sm-up pad-1-lr-sm-down center-block margin-4-b dls-bright-blue-bg"><h2 class="text-uppercase dls-white pad-1-b axp-forum-editorial-container__EditorialContainer__whiteUnderline___2NKKp axp-forum-editorial-container__EditorialContainer__trendingContentHeader___3Gh2c">Trending Content</h2><div class="hidden-sm-down"></div><div class="hidden-md-up"></div></div></div><img id="btiNewscredPixel" src="https://pixel.newscred.com/px.gif?key=<img src="https://pixel.welcomesoftware.com/px.gif?key=YXJ0aWNsZT05NmQzMTMwNGRkNmYxMWVlYmUzYmNlOTkyMzIwMjc2OA==" alt="" height="1" width="1" class="nc_pixel"/>" alt="" height="1" width="1" class="nc_pixel"/></div></div></div></main></div></div></div></div> <script id="initial-state" nonce="547db7e9-03d6-4ae3-9297-650196d1d632"> window.__webpack_public_path__ = "https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/"; window.__CLIENT_HOLOCRON_MODULE_MAP__ = {"clientCacheRevision":"0ff83446-9d42-4712-8e86-b01da310ad6a","modules":{"axp-dev-start":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-dev-start/2.0.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-dev-start/2.0.0/axp-dev-start.legacy.browser.js","integrity":"sha256-uKNJTFN3Z9//4UrqCShpb8/6IjvJZH5oO9qFQko6QmQ= sha384-YbgZv0IOxpEW0Nu/W9zYL7BPA9O7DMLwS4TmBEMYRepR9hUZyHjNW3AKcCFFC8j5"}},"axp-forum-root":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-root/3.32.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-root/3.32.0/axp-forum-root.legacy.browser.js","integrity":"sha256-cZuVksxPTjGIShMOq+zruiYX1uYrQprIVG2ERSpRbvU= sha384-EosThUimm651KhXvZz+a2ig6nNYx5euNwAo5j00WcaxRicdy9iZdBZ/Pd2Z0fm2M"}},"axp-forum-author":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author/3.8.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author/3.8.0/axp-forum-author.legacy.browser.js","integrity":"sha256-MteeoXgmZU4rbQpSHdhOI1w5+VpZ2iqFy7a0x/43nN8= sha384-txM1u80faumFiPl9n/krAMQOZkM93WTgKNDrygrGGExj8c3OtrZId8ilCakSiTnP"}},"axp-forum-curated-page-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-curated-page-container/2.12.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-curated-page-container/2.12.1/axp-forum-curated-page-container.legacy.browser.js","integrity":"sha256-o+alec9Te4wkkOsZ8oo8StAZoUCyMxs2AVzQ5peqFu8= sha384-ObaINYrKjgbqDwBQX7yQ2/8c+i4gMUVEfxe92DOBC0KMZrJqph2XwkLpqWwcaSXt"}},"axp-forum-editorial-body":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-body/3.21.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-body/3.21.0/axp-forum-editorial-body.legacy.browser.js","integrity":"sha256-LEecqngDX5SbAe3L91Fx+HgGCkjFNAM3uvLCIWN7Vkc= sha384-WfPutDS5SJNEBdNQ6ClT1jDImAkjmM9pSYGUV1ygK8jUC2ymWDn3YM8lmlb/eW/6"}},"axp-forum-event-detail-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-event-detail-container/3.8.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-event-detail-container/3.8.0/axp-forum-event-detail-container.legacy.browser.js","integrity":"sha256-vXrtEGAoYHf8DaVbOwNOV0PhMpJ+HOYiGOKQzh2IdZg= sha384-3ITOjrweTQkpmQSwRb7x+Ss9pK9Y08TyV92BpofLSaBENC7BYxq4lGKRwCsyKAsX"}},"axp-forum-manage-subscription-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-manage-subscription-container/2.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-manage-subscription-container/2.7.0/axp-forum-manage-subscription-container.legacy.browser.js","integrity":"sha256-Kwava/KcyoQWePsrX1ykDnz83omZpj0sUqm0G3YXwWM= sha384-jnXfSZyV4H+zQyBb24960AQHXCK4gZdZHO2eQUAoxk07JMChBp1GbXJInUGGOHL7"}},"axp-forum-search-results-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-search-results-container/2.8.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-search-results-container/2.8.0/axp-forum-search-results-container.legacy.browser.js","integrity":"sha256-hpAPI9i1gj36FrrkwQVJMoTya1FaCRokRTr1UeVjZtc= sha384-BM0SGcBFADDM0xd6uFtGIbLbX3ljQFPDxJLo3wg9uAYP0Qeeikr2csjtuC/qt8nf"}},"axp-forum-social-share-tools":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-social-share-tools/3.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-social-share-tools/3.7.0/axp-forum-social-share-tools.legacy.browser.js","integrity":"sha256-P70k0WrKWrdL5Hp5cCddVeNvklrZ8YVObo3F7B8BWF0= sha384-oq0mwsZXJs48A0VPR0oMa2ZqRv8rW6Fbh8fevfLbyevyMGO3h7dKvFnC9vuMIue8"}},"axp-forum-homepage-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-homepage-container/3.18.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-homepage-container/3.18.0/axp-forum-homepage-container.legacy.browser.js","integrity":"sha256-u8VtoprbJ+ijoy4Zu7+d4yUWneS9pLTZtTURhXk+KGY= sha384-dI/ImoqWO6lBYSdIWUUjbLRh3A0+1quCVVXxgQUUoIuzQShM+bEwVTpdbTV8NpoJ"}},"axp-forum-whitepaper-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-whitepaper-container/3.9.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-whitepaper-container/3.9.0/axp-forum-whitepaper-container.legacy.browser.js","integrity":"sha256-VTioSSsbnd4iVxtLpLRYchoYxXPOa3iQdmgz1r6BAGc= sha384-kdrxfwIpxUBcCmaOZ38NKnDfA2HcN7MZeehwryBihC+FQm/VrDRP5DugPa4GmjnP"}},"axp-forum-page-wrapper":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-page-wrapper/3.30.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-page-wrapper/3.30.0/axp-forum-page-wrapper.legacy.browser.js","integrity":"sha256-CUUM+zz/UWJc7i2ETG/abAOymMUO/1yy8SOVcduVhXU= sha384-9ACDNxkLbH3uL/AyEjD5fWCf0Qb+fS1tpT3rkLdsyguwvkHSQGicuU/HdSVyAhFV"}},"axp-forum-editorial-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-container/3.26.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-container/3.26.1/axp-forum-editorial-container.legacy.browser.js","integrity":"sha256-Ly1q0lfgWMFkMwkgFFKyX0+yJ+PYMBQA0ci9vbu70fs= sha384-V9eOW9cIXK8O9IUL6sR2gMheuLDRiXAKkRp9IyfyEgT69wufuKDoC7xk3UTilcXB"}},"axp-forum-banner":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-banner/3.19.5/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-banner/3.19.5/axp-forum-banner.legacy.browser.js","integrity":"sha256-PkxcyuhGm4ocbpiIYaaPG2XSQyoUAL0BG1VquzJUkZs= sha384-00AVJVbvbTgN0locgLu2LmN0P9PXkBZP07miayXN5efRqhgV1RxpYV8jNPRCNuL0"}},"axp-forum-form":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-form/2.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-form/2.7.0/axp-forum-form.legacy.browser.js","integrity":"sha256-K9ztziPK/ISrnE5qucGnk0BaG5Y6sg6teC54JmJfhK0= sha384-o/8t6ySHzN+dO9Wp7PyJQjmtmb8VeGMxs3Ipc5HxPGSGuj23eLyXIdisy64+FD5L"}},"axp-forum-content-list":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-content-list/3.26.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-content-list/3.26.1/axp-forum-content-list.legacy.browser.js","integrity":"sha256-L+IIH6DIPIjRx3AzzZ3deRumkZegNOYsGWrrwmlBaXE= sha384-f/WbJzPDApBP2TUHX7Wbv1Hv9w5oXHvLyuASDSYWT2XVp2hw/SkfWAARBL4edRLS"}},"axp-forum-header":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-header/2.15.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-header/2.15.0/axp-forum-header.legacy.browser.js","integrity":"sha256-/i5+X3U83CTNgeq/yt5LOok3PMIupNAmYUzIPdIp50k= sha384-DYYiZuml5GY211gTg9lh5A29cCLFwUfy0HvxS2v0ppkao0HHdbl2UziXgHgjjlxu"}},"axp-forum-author-profile-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author-profile-container/3.10.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author-profile-container/3.10.0/axp-forum-author-profile-container.legacy.browser.js","integrity":"sha256-mF1N2+8KOoS+LU0ZTKlqbo7CnXz2QXiHOTVqJ/5UU80= sha384-BSsSoEGUJgmQhQMbSonW+4EDBU/p/4lmesFkT1q+JCKEvq+cw3VLmWteVxXYS2kN"}},"axp-forum-taxonomy-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-taxonomy-container/3.21.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-taxonomy-container/3.21.0/axp-forum-taxonomy-container.legacy.browser.js","integrity":"sha256-FyZO1q3/VWN39bZZyZRZgoverCZ1mDivPIgfyoFYivg= sha384-S5JgO0MMcHCxGIYs1Qw+OMmClnuGMWG/ZduRJ+/j10VGGZQWFE1siQgIGPt08NCM"}},"axp-footer":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-footer/4.31.12/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-footer/4.31.12/axp-footer.legacy.browser.js","integrity":"sha256-Aid9A+Uj8QgNUMLbwdUGETBtiWpjw9OaoGGX6HffeDU= sha384-fgK8FLYW0ujellIXe38NWkOAwmoSleom0FP8470wNvELHxJwEH2AwOg3lD3yCMkc"}},"axp-global-header":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-global-header/4.4.19/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-global-header/4.4.19/axp-global-header.legacy.browser.js","integrity":"sha256-7NMSb8rKmAEELt2x1ageiPXPccrTwA8kr3gcmTNW4e0= sha384-g6uumrJpwE3ukMkRvnPRjCKIrCQ3S5ORRbg/9XthhtU6qpETMdz+R9h+ocXPsCeb"}},"axp-search-box":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-box/7.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-box/7.7.0/axp-search-box.legacy.browser.js","integrity":"sha256-1vj0IDBeuUZc0eIgTU2PfXn0T8OERuLnjUHLpTo2WOk= sha384-qEVXyZ9Dx0PNBVQEur1afaEQpoOF5ZMzUrUK5urc7sBRIdZaZwoWBGwVbdBR1FjY"}},"axp-open-home-verification":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-open-home-verification/2.0.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-open-home-verification/2.0.1/axp-open-home-verification.legacy.browser.js","integrity":"sha256-sjlcadeVxAR4FUTiQ6jzn1oXrqDLumZX3eNOOitf38M= sha384-YOIdD9xPGig51MG2/R0CZjf26es/+QNOi6DojFRr0v/wcM4Ya1JP5IpAGFL20mb+"}},"axp-open-home-root":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-open-home-root/2.0.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-open-home-root/2.0.0/axp-open-home-root.legacy.browser.js","integrity":"sha256-FJAO0LU8IqCzt2Wm0irWNL27m3IvMRyZCH9TTqBzYKc= sha384-Cl+njMA1aHmtZIC2Txs1IsD1RdfiQINJehlqhZO7FCmYeUKh0gjDJzSmzpUbJZ8S"}},"axp-forum-vendor-verification":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-vendor-verification/2.7.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-vendor-verification/2.7.0/axp-forum-vendor-verification.legacy.browser.js","integrity":"sha256-hrXnjxGDHTkCTqpo4BO8IJpm7MC7/uekDpiw5vLI1UE= sha384-B1BtSp2Sh0TxrBRRanxnx6zRbWAV2UoWfgh7udN/m1OfdftcG4TbSnEYz1Sf6Kud"}},"axp-loyalty-observability":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-loyalty-observability/1.2.1/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-loyalty-observability/1.2.1/axp-loyalty-observability.legacy.browser.js","integrity":"sha256-EeQv49lCvLIJNdr9+WmNpNUa2Bj76kLgw8liN9dSQnE= sha384-Hm8c4/MuIn5IAcFm+/V9nhOzUK8JmIUYv8oP8SJ/xYez3bmCSC/ksrEkubKKkmwb"}},"axp-search-results":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-results/5.6.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-results/5.6.0/axp-search-results.legacy.browser.js","integrity":"sha256-95juNi4TjKeJO4d9nAmiioz170X0w5BbVcjkuY1Stq4= sha384-G0lCtz0jMOwvC/xwCPFCiruAyAsjjiqpeiviRCHglLuJKzHocSKrjtLeygfhcpPj"}},"axp-search-container":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-container/5.8.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-container/5.8.0/axp-search-container.legacy.browser.js","integrity":"sha256-JVQFBMdTaaSZw1YaKN8JU8ICy7jbBhv8x+IiE2VdL80= sha384-/a19J+5eSQ91cs6mLzqvMhcHqqz9u1JVXHZBnl6BYEnr4lm9qpDy1sZeSAXbiP6k"}},"axp-search-faqs":{"baseUrl":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-faqs/5.3.0/","legacyBrowser":{"url":"https://www.aexp-static.com/cdaas/one-app/modules/axp-search-faqs/5.3.0/axp-search-faqs.legacy.browser.js","integrity":"sha256-/pRo7g4ETcm7gzIosRRsMNuDMveKTS3ILXHBFgAiRVw= sha384-yKcg1+h9RY41HTRiMWrg2j9DHtdO0mkAGCltvLXmQmzGAgSJr7fmPR2BtKd0d9Ck"}}}}; window.__INITIAL_STATE__ = "[\"~#iM\",[\"config\",[\"~#iM\",[\"forumCdaasAkamaiUrl\",\"https://www.aexp-static.com/cdaas/forum/\",\"reportingUrl\",\"https://forum5uplifthydra.americanexpress.com/_/report/errors\",\"timeout\",8000,\"cspReportingUrl\",\"https://forum5uplifthydra.americanexpress.com/_/report/security/csp-violation\",\"localeFilename\",null,\"faasApiUrl\",\"https://functions.americanexpress.com\",\"cdnUrl\",\"https://www.aexp-static.com/cdaas/one/\",\"forumOpenHomeUrl\",\"https://contenthubexternal.americanexpress.com/contenthub/service/external/openhome/\",\"forumApiUrl\",\"https://contenthubexternal.americanexpress.com/contenthub/service/external\",\"holocronModuleMapUrl\",\"https://cdaas.aexp.com/cdaas/one-app/map/epaas-forum-5-forum-5-e3/module-map.json\",\"rootModuleName\",\"axp-forum-root\",\"forumCdaasUrl\",\"https://cdaas.americanexpress.com/forum/\"]],\"holocron\",[\"~#iM\",[\"loaded\",[\"~#iS\",[\"axp-forum-root\",\"axp-global-header\",\"axp-forum-form\",\"axp-loyalty-observability\",\"axp-forum-editorial-body\",\"axp-forum-author\",\"axp-forum-banner\",\"axp-forum-social-share-tools\",\"axp-forum-header\",\"axp-footer\",\"axp-forum-content-list\",\"axp-forum-page-wrapper\",\"axp-forum-editorial-container\"]],\"loading\",[\"~#iM\",[]],\"withReducers\",[\"~#iS\",[\"axp-forum-root\",\"axp-global-header\",\"axp-forum-form\",\"axp-forum-editorial-body\",\"axp-forum-author\",\"axp-forum-banner\",\"axp-forum-content-list\",\"axp-forum-page-wrapper\",\"axp-forum-editorial-container\"]]]]]]"; window.__holocron_module_bundle_type__ = 'legacyBrowser'; window.__pwa_metadata__ = {"serviceWorker":false,"serviceWorkerRecoveryMode":false,"serviceWorkerScope":null,"serviceWorkerScriptUrl":false,"webManifestUrl":false,"offlineUrl":false}; window.__render_mode__ = 'hydrate'; </script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/app~vendors.js" integrity="sha256-pVKjfKL3+P5ULlhRy9V5nnlQIAK+XVz2yBarqprVuMs= sha384-j6DnKHc4fa2u2q7CvgYu++Wkn/SEwYtZd4Oprsruj2C1ID79PvQzNbuLbCVDkFWC" crossorigin="anonymous"></script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/runtime.js" integrity="sha256-8cL9qWJzUeKEkatoMuG3FrMt3UFtp+JxX2IUByGGb5E= sha384-iDMeNXKn8yl+z9adfcebW5fsUfcpm3nIYek5zF21rR7eiybLm7gA/IfKWjN67voB" crossorigin="anonymous"></script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/vendors.js" integrity="sha256-HLY9B8nxCzK3+IA6LjKCTVDMiIgl2SDDSkoj6UjTguw= sha384-p+fncVbOV2MlipfzVbwC7I0yYbs1VNemOR7M9rvdn746m+QYeJmU9JXEA9GMxq3H" crossorigin="anonymous"></script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/i18n/en-US.js" crossorigin="anonymous"></script> <script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-root/3.32.0/axp-forum-root.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-cZuVksxPTjGIShMOq+zruiYX1uYrQprIVG2ERSpRbvU= sha384-EosThUimm651KhXvZz+a2ig6nNYx5euNwAo5j00WcaxRicdy9iZdBZ/Pd2Z0fm2M"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-global-header/4.4.19/axp-global-header.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-7NMSb8rKmAEELt2x1ageiPXPccrTwA8kr3gcmTNW4e0= sha384-g6uumrJpwE3ukMkRvnPRjCKIrCQ3S5ORRbg/9XthhtU6qpETMdz+R9h+ocXPsCeb"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-form/2.7.0/axp-forum-form.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-K9ztziPK/ISrnE5qucGnk0BaG5Y6sg6teC54JmJfhK0= sha384-o/8t6ySHzN+dO9Wp7PyJQjmtmb8VeGMxs3Ipc5HxPGSGuj23eLyXIdisy64+FD5L"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-loyalty-observability/1.2.1/axp-loyalty-observability.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-EeQv49lCvLIJNdr9+WmNpNUa2Bj76kLgw8liN9dSQnE= sha384-Hm8c4/MuIn5IAcFm+/V9nhOzUK8JmIUYv8oP8SJ/xYez3bmCSC/ksrEkubKKkmwb"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-body/3.21.0/axp-forum-editorial-body.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-LEecqngDX5SbAe3L91Fx+HgGCkjFNAM3uvLCIWN7Vkc= sha384-WfPutDS5SJNEBdNQ6ClT1jDImAkjmM9pSYGUV1ygK8jUC2ymWDn3YM8lmlb/eW/6"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-author/3.8.0/axp-forum-author.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-MteeoXgmZU4rbQpSHdhOI1w5+VpZ2iqFy7a0x/43nN8= sha384-txM1u80faumFiPl9n/krAMQOZkM93WTgKNDrygrGGExj8c3OtrZId8ilCakSiTnP"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-banner/3.19.5/axp-forum-banner.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-PkxcyuhGm4ocbpiIYaaPG2XSQyoUAL0BG1VquzJUkZs= sha384-00AVJVbvbTgN0locgLu2LmN0P9PXkBZP07miayXN5efRqhgV1RxpYV8jNPRCNuL0"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-social-share-tools/3.7.0/axp-forum-social-share-tools.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-P70k0WrKWrdL5Hp5cCddVeNvklrZ8YVObo3F7B8BWF0= sha384-oq0mwsZXJs48A0VPR0oMa2ZqRv8rW6Fbh8fevfLbyevyMGO3h7dKvFnC9vuMIue8"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-header/2.15.0/axp-forum-header.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-/i5+X3U83CTNgeq/yt5LOok3PMIupNAmYUzIPdIp50k= sha384-DYYiZuml5GY211gTg9lh5A29cCLFwUfy0HvxS2v0ppkao0HHdbl2UziXgHgjjlxu"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-footer/4.31.12/axp-footer.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-Aid9A+Uj8QgNUMLbwdUGETBtiWpjw9OaoGGX6HffeDU= sha384-fgK8FLYW0ujellIXe38NWkOAwmoSleom0FP8470wNvELHxJwEH2AwOg3lD3yCMkc"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-content-list/3.26.1/axp-forum-content-list.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-L+IIH6DIPIjRx3AzzZ3deRumkZegNOYsGWrrwmlBaXE= sha384-f/WbJzPDApBP2TUHX7Wbv1Hv9w5oXHvLyuASDSYWT2XVp2hw/SkfWAARBL4edRLS"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-page-wrapper/3.30.0/axp-forum-page-wrapper.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-CUUM+zz/UWJc7i2ETG/abAOymMUO/1yy8SOVcduVhXU= sha384-9ACDNxkLbH3uL/AyEjD5fWCf0Qb+fS1tpT3rkLdsyguwvkHSQGicuU/HdSVyAhFV"></script><script src="https://www.aexp-static.com/cdaas/one-app/modules/axp-forum-editorial-container/3.26.1/axp-forum-editorial-container.legacy.browser.js?clientCacheRevision=0ff83446-9d42-4712-8e86-b01da310ad6a" crossorigin="anonymous" integrity="sha256-Ly1q0lfgWMFkMwkgFFKyX0+yJ+PYMBQA0ci9vbu70fs= sha384-V9eOW9cIXK8O9IUL6sR2gMheuLDRiXAKkRp9IyfyEgT69wufuKDoC7xk3UTilcXB"></script> <script src="https://www.aexp-static.com/cdaas/one/app/5.25.0-61e4465e/legacy/app.js" integrity="sha256-FQuxD23/SGNM62MJzrfYJUsPgcyE8paeEr2ny1QcKgY= sha384-9wOstj78vBKQPQo15W6rX4YBy00nmMh/3kV3x7dkFJ8TYhkhucsHWtlxqlcn7Ykb" crossorigin="anonymous"></script> <script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"Organization","brand":"American Express","url":"https://www.americanexpress.com/","logo":"https://www.aexp-static.com/nav/ngn/img/logo_bluebox_new.png","name":"American Express Business Trends and Insights","parentOrganization":"American Express","description":"American Express offers world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more.","address":{"@type":"PostalAddress","addressRegion":"NY","postalCode":"10285","streetAddress":"200 Vesey St, New York"},"contactPoint":[{"name":"American Express","@type":"ContactPoint","telephone":"+1 212-640-2000","contactType":"Customer support","contactOption":"TollFree","areaServed":"United States of America"}],"sameAs":["https://www.facebook.com/AmericanExpressBusiness","https://twitter.com/amexbusiness","https://www.instagram.com/americanexpressbusiness","https://www.linkedin.com/company/american-express-business"]}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"trends_and_insights","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/"},{"@type":"ListItem","position":2,"name":"Managing Money","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/topics/managing-money/"},{"@type":"ListItem","position":3,"name":"Cash Flow","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/topics/cash-flow/"},{"@type":"ListItem","position":4,"name":"Accounts Receivable Payable","item":"https://www.americanexpress.com/en-us/business/trends-and-insights/topics/accounts-receivablepayable/"}]}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"WPHeader","headline":"Navigating Accounts Receivable for Building Success","description":"<p>By managing your accounts receivable strategically, you can more effectively manage your cash flow. </p>"}</script><script data-react-helmet="true" type="application/ld+json">{"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.americanexpress.com/en-us/business/trends-and-insights/articles/navigating-accounts-receivable-for-building-success/"},"headline":"Navigating Accounts Receivable for Building Success","articleSection":["Managing Money","Cash Flow","Accounts Receivable Payable"],"description":"By managing your accounts receivable strategically, you can more effectively manage your cash flow. ","image":{"@type":"ImageObject","url":"https://icm.aexp-static.com/content/dam/contenthub/us/en/ach-images/2024/03/navigatingaccountsreceivableheader.jpg"},"datePublished":"2024-03-27T17:22:53-04:00","dateModified":"2024-03-27T17:28:20-04:00","keywords":[],"author":{"@type":"Person","name":"Dahna M. Chandler"},"publisher":{"@type":"Organization","name":"American Express","logo":{"@type":"ImageObject ","url":"https://icm.aexp-static.com/content/dam/contenthub/us/en/images/design-elements/AXP_BlueBoxLogo.jpg"}},"articleBody":"Business owners can't manage what they can't measure. In small-business finance, this adage can be especially true when managing your accounts receivable. Effective management of accounts receivable means knowing where your cash flow is coming from and keeping careful track of who owes your business money. That can require a strategic approach to regularly collecting what your business is owed, which can be crucial for achieving financial success in business. \nExcelling at strategically managing your organization’s accounts receivable can be paramount to small-business prosperity. Not taking a strategic approach to collecting your A/R can lead to cash-flow issues. “If you don't manage your A/R well, that can bring your business down because it means your business’s money is money tied up in somebody else's hands,” says Paige Oldham, founder of The Mindful CFO. “You need your cash flow to be regular so you can pay yourself, your employees, and keep your doors open,” she adds.\nThese strategies can help you optimize this fundamental component of your company's financial health. From building strong customer relationships to using technology like accounts receivable management services, all can play an essential role in measuring and managing your A/R.\nUnderstanding Accounts Receivable Management\nAt its core, accounts receivable management involves overseeing tracking and collecting payments owed by customers. “Anytime you make a sale, that produces a receivable owed to you by your customer or client,” says Oldham, who offers fractional CFO services to small businesses. “You need to collect that money as quickly as possible to maintain solid cash flow,” she adds.\nA/R includes invoicing, payment tracking, and following up on overdue accounts. The primary goal is to ensure timely collection of payments while maintaining positive relationships with customers. It helps prevent debt owed to your business from becoming uncollectable. \nTo help achieve this, businesses set clear processes for their accounts receivable goals. These goals typically revolve around improving cash flow, reducing outstanding balances, and minimizing the risk of bad debt. By establishing specific objectives, businesses can focus their efforts and measure their progress effectively. Here are several key components of effective accounts receivables management:\n\nClear goal setting: Establish specific objectives for accounts receivable processes, such as improving cash flow and reducing outstanding balances. \nCredit management: Evaluate customer creditworthiness to set credit limits and monitor customer payment patterns to identify risks or changes.\nEfficient invoicing: Streamline the invoicing process to ensure prompt delivery of invoices and clear communication of payment terms. \nTimely follow-up: Implement procedures for tracking overdue accounts and starting follow-up actions, such as reminder emails or phone calls. \nCustomer communication: Maintain open and transparent communication with customers regarding payment terms and expectations.\n\n“One of your most important goals is getting customers to pay when or as soon after a transaction happens,” explains Oldham. “Send your invoices out in a timely manner and make sure you have follow-up steps in place to collect your money,” she adds.\nStrategies for Effective Management of Receivables\nEstablishing clear goals is just the first step. To truly optimize accounts receivable management, businesses should consider incorporating core practices into their business operations. This involves not only setting targets but also implementing measures to achieve them efficiently.\nAdopting A/R technology can help streamline invoicing and payment processing, reducing delays and errors. Businesses that leverage automation tools for accounts receivable management can experience significant improvements in efficiently collecting invoices and cash flow.\n\"One of your most important goals is getting customers to pay when or as soon after a transaction happens. Send your invoices out in a timely manner and make sure you have follow-up steps in place to collect your money.\" —Paige Oldham, founder, The Mindful CFO \nBusinesses should regularly review and adjust their A/R management strategies based on business performance and market conditions. By taking an adaptive approach that periodically assesses objectives against current realities, companies can help ensure their A/R strategies stay aligned with goals as business factors evolve. This continual refinement process helps maximize the effectiveness of A/R management efforts in supporting the evolving needs of the business.\nHere are some business processes you should have in place to help the management of receivables: \n\nEmbrace technology: Adopting accounting software or using an accounts receivables management service allows automating repetitive tasks like billing and deposits, helping to save time and improve accuracy over manual processes. Using automation tools for invoicing and payment processing can also help streamline A/R operations, reduce errors, and ensure faster payments. Look for integrated payment solutions that make it easy for customers to pay online or via mobile apps.\nConduct regular receivables reviews: Routinely analyze collection metrics, operational issues, and market factors to assess progress towards your accounts receivable goals and develop action plans for continually refining accounts receivable management strategies.\nAdopt customer segmentation: Analyzing payment behaviors allows splitting the customer base into risk tiers like low, medium, and high. Target high-risk customers who often pay late with more assertive collection strategies to help reduce write-offs.\nOffer payment incentives to customers: These may encourage customers accustomed to making slow payments to change these behaviors. Provide incentives for early payment or prompt settlement of overdue accounts to help encourage timely payments.\nCollaborate across teams: Involving sales, customer service, and finance in collection efforts helps ensure everyone has visibility into account issues or concerns that could impact payments. Timely communication between departments helps address customer needs quickly and avoid potential disputes that slow cash flow. If you outsource your A/R to a bookkeeper or A/R management service, be sure your policies and theirs align.\n\n“Offering enticements as part of your payment terms may get you your cash faster,” says Oldham. Whether it's a 2% discount for payment within 10 days or waiving late fees for settling an overdue invoice by a certain date, consider options to get your customers to pay you on time, or at least in full when they pay late.\nBest Practices for Effective Accounts Receivable Management\nEffective accounts receivable management requires implementing best practices to help optimize payment collection processes and maintain healthy client relationships. Here are several that you should consider using to strategically collect what's owed to your business and help keep your cash flow solid.\n\nBuild strong client relationships: Fostering trust and transparency through clear communication and engagement helps build loyal customers who are more willing to pay promptly. Tracking interactions and preferences in a CRM program can enhance engagement. Sending thank-you notes after transactions shows appreciation, which can help strengthen relationships and encourage timely payments.\nEstablish clear collection procedures: Having step-by-step methods for payment follow-up at different delinquency stages streamlines handling of late and non-paying accounts. This can help reduce the likelihood of debt becoming uncollectible. \nMonitor your clients' industries: By following developments in your clients' business sectors, like layoffs or business failures, you can expect risks to their revenue streams and adjust. You can then adapt payment terms with an understanding of the potential economic pressures buyers face with cash flow.\nTrain your staff on your A/R policies: Educating all employees involved in A/R can prevent inconsistent application of payment policies that can damage customer relationships and lead to poor accounting or legal compliance. Standardized training can also help increase staff confidence in representing company policies to buyers, too, and can limit nonpaying customers. If you use a bookkeeper, make sure they understand your company policies related to A/R.\nBenchmark against industry metrics: Use industry data regularly and effectively. Compare your A/R performance with your industry peers to help reveal your strongest and weakest practices in cash recovery. With insight into those metrics, you can help improve your cash collection with specific process revisions.\nCross-train staff for employee absences or gaps: Ensure multiple staff understand each client's payment histories and current statuses. Identify employees who have thorough knowledge of accounts who can assume responsibility for clients if another employee is absent or leaves. That can help you avoid delays in collecting outstanding balances during staff transitions.\n\nThe Importance of Accounts Receivables Assessments\nAn accounts receivable assessment involves analyzing the aging of outstanding invoices to identify overdue accounts and assess the effectiveness of collection efforts. “You need to regularly age your receivables to determine whether you're collecting money owed to your business steadily and efficiently,” says Oldham.\nYour business should consider creating and reviewing its accounts receivable aging report frequently to determine the average time to collect payments and prioritize follow-up actions based on the age of outstanding invoices.\nHere's a sample accounts receivable assessment:\nAccounts Receivable Assessment\nAs of December 31, 2023\nTotal Accounts Receivable Balance: $500,000\nAging of Accounts Receivable:\nCurrent (0-30 days): $250,000 (50% of total) \n31-60 days: $100,000 (20% of total)\n61-90 days: $50,000 (10% of total) \nOver 90 days: $100,000 (20% of total)\nEstimated Uncollectible Amounts:\nWe estimate that 5% of receivables outstanding 0-30 days will be uncollectible, totaling $12,500.\n10% of receivables outstanding 31-60 days will be uncollectible, totaling $10,000. \n25% of receivables outstanding 61-90 days will be uncollectible, totaling $12,500.\n50% of receivables over 90 days will be uncollectible, totaling $50,000.\nEstimated Allowance for Doubtful Accounts: $85,000\nNet Realizable Value of Accounts Receivable: $415,000\nConducting an accounts receivable assessment helps you assess the collectability of your company's accounts receivable balances based on this aging analysis and estimate uncollectible amounts. Performing regular assessments based on the aging of debt provides insight into the quality of outstanding receivables and the amount of cash expected to be collected.\nA Bridge to Small Business Financial Agility\nManaging accounts receivable strategically can lead to managing your cash flow effectively. It's one of the most important practices to help ensure the financial prosperity of your business and keep it agile. Learn how to apply more best practices for managing small business cash flow. \nPhoto: Getty Images"}</script> <script type="text/javascript" nonce="700de58e9d6e0829ce2ce7282f542877" src="/ovgm/QNJF/S58jE/IWbaA/Eb7pQfDwbtVbku/CWFtAQ/C3B3SQtD/eSE"></script></body> </html>