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dvpGIyVmc1NnbpBCdlBnI6IiclRWa29mcwJyesISbvNmLzVmYy9mZuI3bzlmdkFmLlNmbhJXdz5Wa0VGc812bj5yclJmcvZmLy92cpZHZh5CdlBnIbxSX9JCep5WamJiOiIXZklmdvJHcisHLi02bj5Cep5WamJyWs0VfiETY0FGZiojIElEViwiIn5Wa0N3bIBiMBBiI6IiclRWa29mcwJyesISbvNmLn5Wa0N3boJTYisFLd1nIyIWdzJiOiwmcVV2ZhBlIsISMiV3ciojIElEViwiIkx2bHBSe0lmcvlmcQJiOiIXZklmdvJHcisHLi02bj5CbzpWOkt2YlJyWs0VfiU2ZhBnI6ICbyVVZnFGUiwiIklGdiojIElEViwiI0NXZXFjI6IiclRWa29mcwJyesISbvNmL0NXZ3FjIbxSX9JSMzJiOiwmcVV2ZhBlIsIiMzJiOiQUSUJCLiM3ZulGbpZEI0ZWe3NlI6IiclRWa29mcwJyesISbvNmLzdmbmRnZzJyWs0VfiQnblRnbvN2XtRXdiojIsJXVldWYQJCLi0mclR3XtRXdiojIElEViwiI5RmchFkI6IiclRWa29mcwJyesISbvNmL5RmchFmIbxSX9JSSGxURiojIyVGZpZ3byBnI7xiIt92YukmZsVmIbxSX9JSZnFGciojIsJXVldWYQJCLiQWafJWdzJiOiQUSUJCLiU2ZhJXZ292QzJ3b0l2cpZlI6IiclRWa29mcwJyesISbvNmLldWYyVmdvN2cy9GdpNXa2JyWs0VfiQWafVmdpRXYlJ3YiojIsJXVldWYQJCLiQWafJWdz9lcl5GdyFGciojIElEViwiIt92YuUmchNGa0xWYlhkI6IiclRWa29mcwJyesISbvNmLlJXYjhGdsFWZoJyWs0VfiEDZpJWdzJiOiwmcVV2ZhBlIsICRJRlI6ICRJRlIsISel5mc19mSgU2YuFmc1NnbJBCblZXYyRFItASZnFmclZ3bDBSZyFGct92QiojIyVGZpZ3byBnI7xiIt92YuU2ZhJXZ292YlJXYw12bj5CblZXYyRnIbxSX9JibnlWYw1WYj9Vb0VnI6ICRJRlIsIycyVmby92Qg4WZ2V2UiojIyVGZpZ3byBnI7xiIt92YuMncl5mcvNmblZXZzJyWs0VfiIzciojIElEViwiIkxWZph2UgUWbvhEIuF2YpJXZtFkI6IiclRWa29mcwJyesISbvNmL4Fmc0NHahJyWs0VfiQWafJWdzJiOiQUSUJCLiQnbpF2UgQXakVmcDJiOiIXZklmdvJHcisHLi02bj5CdulWYzRXakVmcjJyWs0VfiQnblN2cBJiOiIXZklmdvJHcisHLi02bj5yZulGZuVnZ05WZjNXY812bj5ycuF2bsRnblRWd0NHduV2YzFmIbxSX9JSMiV3ciojIsJXVldWYQJCLiQWaft2Ypx2YiojIElEViwiIsFWaj5WYulmR0JXYtNlI6IiclRWa29mcwJyesISbvNmLsFWaj5WYulmZ0JXYtNnIbxSX9JCRJJWdzJiOiQUSUJCLiMVQFJiOiIXZklmdvJHcisHLi02bj5Cdy9Gcz5WYyRXepRmIbxSX9JSMzJiOiwmcVV2ZhBlIsIiMzJiOiQUSUJCLiQnYlREIlxGctl2UiojIyVGZpZ3byBnI7xiI0VmbuQnYlRWZsBXbpNnIbxSX9JibvlGbsVnQg4WYjlmcl1WQiojIyVGZpZ3byBnI7xiIt92Yu42bpxGb1JmbhNWayVWbhxXbvNmLlRXYpxWamZWYkx2bnJWYisFLd1nIyMnI6ICRJRlIsIyc05WZnFEI0NWZylGRiojIyVGZpZ3byBnI7xiIt92YuIDcztmc0JyWs0Vfi0mclR3XtRXdiojIElEViwiI5F2d052bNJiOiIXZklmdvJHcisHLi02bj5SehdHdu9WbisFLd1nIkl2XiV3ciojIElEViwiIhBnclh2UiojIyVGZpZ3byBnI7xiIv02bj5Cdy9Gcz5WYyR3b0VXYhBnclh2cisFLd1nIiV3cfZmZhJiOiQUSUJCLiU2ZhdGdy9WTgQXZrN2bSJiOiIXZklmdvJHcisHLi8SbvNmLldWYnRncv1Gdlt2YvJnIbxSX9JSMhRXYkJiOiQUSUJCLiUWTuUGZphkI6IiclRWa29mcwJyesIyLl1mLlRWaoJyWs0VfiEjY1NnI6ICRJRlIsIiRW1kI6IiclRWa29mcwJyesIyLs5mLptWa3BHchJyWs0VfiEjY1NnI6ICbyVVZnFGUiwiIyIWdzJiOiQUSUJCLiU2ZhdGdy9WTgEGah12TgY2bgwWY1RXdNJiOiIXZklmdvJHcisHLi8SbvNmLrJHd5YGay0mIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLiUlMiojIyVGZpZ3byBnI7xiIt92cuMXZzJXdvNGdy9Gaz1SZulGbu9GfrVnLjFmLlNHbuMXZzJXdvNWZ0F2YpZWa0JXZjVmbpxmbvxXbvNmLyVGdyFWbzRXZnxXYj5ibvRXZsJXYj5CctF2Y092bixXYj5yb052by9Gd15ibyFWZs5CctF2Y092bix3a15yYh5Sbhh2ZulWbylmYuAXbhNGdv9mY8hXbuMWZ05CctF2Y092bixXdkVmLq4CctF2Y092biJyWs0VfiQnblRnbvN2XtRXdiojIsJXVldWYQJCLi0mclR3XtRXdsQWarNWasN2Xw1mZiojIElEViwiIuJXYlxWasBXbpNlI6IiclRWa29mcwJyesIyL1RWZuUWdkJXdw5SZulGbu9mLyVmdvN2cpRmLsNXLw1WYjR3bvJmIbxSX9Jyci9mZiojIElEViwiIzJXZmZ2TggXZsZkI6IiclRWa29mcwJyesISbvNmLvJHcztmbpxGelxmZisFLd1nIyIXY2BnI6ICbyVVZnFGUiwiIxIXY2BnI6ICRJRlIsISZ6VWZyJkI6IiclRWa29mcwJyesISbvNmLlpXZlJnY0VWZtJyWs0VfiU2ZhBnI6ICbyVVZnFGUiwiIkl2Xu9Wa0NWYz5WYyRnI6ICRJRlIsISa6RmblxkI6IiclRWa29mcwJyesISbvNmLppHZuVGbuAHchJyWs0VfiIzdrJiOiwmcVV2ZhBlIsISM3tmI6ICRJRlIsISesZXaUJiOiIXZklmdvJHcisHLi02bj5SesZXa0JyWs0VfiEjY1NnI6ICRJRlIsIydvxmZyVmdFJiOiIXZklmdvJHcisHLi02bj5yayRnMzFWb812bj5icrRHMyYma812bj5SblxGahJWZyZmIbxSX9JiVBxWY09GViojIyVGZpZ3byBnI7xiIt92Yu4Gc2xWY09Gduwmc1xXbvNmL2FGbhR3b05CbyVnIbxSX9JCduVGdu92Yf1Gd1JiOiQUSUJCLigHZyF2QiojIyVGZpZ3byBnI7xiIt92YugHZyF2YisFLd1nIklmY1NnI6ICRJRlIsISY2lGd4VmTiojIyVGZpZ3byBnI7xiIt92YuEmdpRHel5mIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLikHbi1WZzNXQgwWYyVmbldkI6IiclRWa29mcwJyesISes5iYtV2czFGbhJXZuV2ZisFLd1nIklGdiojIElEViwiIlVHbCBCdiVGRiojIyVGZpZ3byBnI7xiIt92YuUWdsJGdiVGZu82ZisFLd1nIyMnI6ICRJRlIsIyZy9mL5RXa15mbBJiOiIXZklmdvJHcisHLi02bj5yajFmc0FWakVGczRWYlxmL0FGa0h2YuVXYsJyWs0VfiUmepJXZuRnchBlI6IiclRWa29mcwJyesIyLrNWasN2LuhmLmJHcisFLd1nIkl2ajlGbj9FctZmI6ICRJRlIsIibyFWZslGbw1WaTJiOiIXZklmdvJHcisHLi02bj5ibyFWZslGbw1WazxXdkVmLoNWZ0xWYj5SZtR3YuAXLnBnIbxSX9JSZnFGciojIsJXVldWYQJCLiQWa0JiOiQUSUJCLiIXZodWYsxWYHJiOiIXZklmdvJHcisHLi02bj5yculWLkVGZkVmYtVGft92YuMWZ05WYtl3cuUWbpR3ajlGbjJyWs0VfiEzciojIsJXVldWYQJCLiIzciojIElEViwiI4FGVgkHdp5Wdt12bDJiOiIXZklmdvJHcisHLi02bj5yayRndz5WaisFLd1nIkl2ajlGbjJiOiQUSUJCLiM3cl5WazVnYgkHbw1WazJiOiIXZklmdvJHcisHLi02bj5yczVmbpNXdilHbw1Waz5CdldGfzNXZul2c1JWesBXbpNnLlR3b1FnLy92cpZHZhNXZiJ3bmJyWs0VfiQWaz5WYyRnLnFGdiojIElEViwiIlNmbh5WaGBiblZXRiojIyVGZpZ3byBnI7xiIvIXZuRnchB3Lt92YuEmbvlmZisFLd1nIj1Wbf12YiojIElEViwiI5RnbhJnchdFIvRXdBBSZj5WYyVHZuVkI6IiclRWa29mcwJyesISbvNmL5RnbhJnchdXZj5WYyVHZuVmIbxSX9JCZp1WdiojIElEViwiI0NWZq9mcQBSbhVmcEBibhNWayVWbBJiOiIXZklmdvJHcisHLi02bj5CdjVGdvJHcvRXdh1WYlJHZuF2YpJXZtFmIbxSX9JCduVGdu92Yf1Gd1JiOiQUSUJCLicmbpxGcwlmUiojIyVGZpZ3byBnI7xiIt92YucmbpxGcwlmcuIyWs0VfiIDZpJWdzJiOiwmcVV2ZhBlIsISMklmY1NnI6ICRJRlIsIyQMxEIu9Wa0FWby9mRiojIyVGZpZ3byBnI7xiIjxGbuMnbvlGdh1mcvZmIbxSX9JibnlWYw1WYj9Vb0VnI6ICRJRlIsICZyF2bidmbpJHcTJiOiIXZklmdvJHcisHLi02bj5CZyF2bidmbpJHczJyWs0VfiQnblRnbvN2XtRXdiojIElEViwiI09GclREI05W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.header-us{background-color:#181716;color:#fcfcfc;left:0;position:fixed;right:0;top:0;transition:transform .8s ease-in-out;width:100%;z-index:99999}#custom-header-wrapper .header__container{align-items:center;display:flex;margin:0 auto;max-width:1600px}#custom-header-wrapper .header__logo{align-items:center;display:flex;height:100%}#custom-header-wrapper .header__logo svg{fill:#fff;margin-top:5px}#custom-header-wrapper .header__nav{color:#f4f4f4;display:block;height:100%}#custom-header-wrapper .header__nav .menu{align-items:center;display:flex;font-size:13px;height:100%;justify-content:center;line-height:14.95px;width:100%}#custom-header-wrapper .header__nav .menu>li.menu-item{align-items:center;display:flex;height:100%;padding:0 24px}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type{padding-left:0}#custom-header-wrapper .header__nav .menu .menu-item a{color:#fcfcfc;font-family:Work Sans,sans-serif;font-weight:400}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#212424;box-shadow:0 0 14px 0 rgba(0,0,0,.2);left:0;padding:16px 18px 32px 0;top:56px;visibility:hidden;width:100vw;z-index:8888}#custom-header-wrapper .header__nav .sub-menu-wrap:before{content:"";display:block;height:2px;left:0;position:absolute;top:-2px;transition:width .1s ease-in-out;width:0}#custom-header-wrapper .header__nav .sub-menu{display:flex;flex-wrap:wrap;font-size:13px;margin:0 auto;max-width:1012px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{height:auto;line-height:14px;margin-right:1.5%;padding:16px 0 0;width:30%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:none}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{background:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='%23fff' height='12' width='20' viewBox='0 0 20 20'%3E%3Cpath d='M16.928 12h-16v-2h16z'/%3E%3Cpath d='m18.493 11.044-5.657 5.657-1.414-1.414 5.656-5.657z'/%3E%3Cpath d='M17.078 12.372 11.42 6.715 12.835 5.3l5.657 5.657z'/%3E%3C/svg%3E") 100% no-repeat;font-weight:600;padding-right:25px}#custom-header-wrapper .header__nav .menu .menu-item:not(.hideSubMenu):hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap:before{width:100%}#custom-header-wrapper .amp-ui .header__search{display:none}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{align-items:center;cursor:pointer;display:flex;height:100%;margin:-2px 16px 0 auto;width:20px}#custom-header-wrapper .header__search span,#custom-header-wrapper .header__share span{display:inline-block;height:22px}#custom-header-wrapper .header__search svg,#custom-header-wrapper .header__share svg{fill:#fff;color:#fff;height:20px;width:20px}#custom-header-wrapper .header__share svg{fill:transparent}#custom-header-wrapper .header__indicator{background-color:#ffcfa4;bottom:0;height:2px;left:0;position:absolute;width:100%}#custom-header-wrapper .header__nav .menu .legal-links{display:none}#custom-header-wrapper header li.current-menu-item a{color:#ff891f}#custom-header-wrapper .menu-toggle .close{display:none}#custom-header-wrapper .menu-toggle.on .close{display:block}#custom-header-wrapper .header__nav,#custom-header-wrapper .header__search,#custom-header-wrapper .menu-toggle.on .open{display:none}#custom-header-wrapper .share-modal{display:none;height:100%;position:fixed;top:0;width:100%;z-index:99999}#custom-header-wrapper .share-modal-overlay{background:#000;display:none;height:100%;opacity:.8;position:fixed;top:0;width:100%;z-index:9999}#custom-header-wrapper .share-modal--open{display:block}#custom-header-wrapper .share-text{color:#fff;font-size:18px;margin:12px 0 20px;padding-left:32px;text-transform:uppercase}#custom-header-wrapper .menu-toggle{cursor:pointer;display:block;left:0;margin-left:23px;overflow:hidden;padding:13px 0;position:absolute;top:0}#custom-header-wrapper .menu-toggle .menu-toggle-wrap{fill:#fff;height:24px;width:20px}#custom-header-wrapper .header-us{height:50px}@media only screen and (max-width:1600px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 20px}#custom-header-wrapper .header__nav .sub-menu{max-width:930px}}@media only screen and (max-width:1400px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 16px}}@media only screen and (max-width:1280px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 8px}#custom-header-wrapper .header__nav .sub-menu{max-width:692px}}#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-5px}#custom-header-wrapper .site-wrapper.sticky{padding-top:48px}#custom-header-wrapper .header__nav{background-color:#181716;display:none;height:90vh;left:0;position:absolute;top:48px;z-index:9999}#custom-header-wrapper .header__nav.active{display:block}#custom-header-wrapper .header__nav .menu{align-items:flex-start;flex-direction:column;height:auto;justify-content:space-between}#custom-header-wrapper .header__nav .menu>li.menu-item{min-height:40px;overflow:hidden;padding:9px 25px;width:100%}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:9px 25px}#custom-header-wrapper .header__nav .menu>li.menu-item>a{font-size:18px;height:100%;line-height:1.15}#custom-header-wrapper .header__nav .menu>li.menu-item.active a{color:inherit}#custom-header-wrapper .header__nav .menu>li.menu-item.active{border-left:4px solid}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{border:none;box-shadow:inset -1px 0 0 0 #333;color:#cdc1b2;display:none;height:calc(100% - 35px);left:31%;position:absolute;top:10px;transition:none;width:2px;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:block;z-index:2}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#181716;box-shadow:none;color:#fcfcfc;font-size:13px;height:85vh;left:auto;padding:0 0 0 25px;position:absolute;right:0;top:10px;width:69%;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap{visibility:hidden}#custom-header-wrapper .header__nav .sub-menu-wrap:before{display:none}#custom-header-wrapper .header__nav .sub-menu{flex-direction:column;height:100%;width:100%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{display:inline-block;flex-shrink:0;height:40px;margin-right:0;padding:0;width:auto}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:block;padding-top:1px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{padding:3px 24px 0 0}#custom-header-wrapper .header__indicator{display:none}#custom-header-wrapper .header__nav .menu .legal-links{display:block;font-size:13px;padding:10px 25px}#custom-header-wrapper .header__nav .menu .legal-link{color:#fcfcfc;font-family:Work Sans,sans-serif;font-size:10px;line-height:12px;padding-bottom:10px}#custom-header-wrapper .header__nav .menu .legal-link a{color:#fcfcfc;font-family:Work Sans,sans-serif}@media only screen and (max-width:768px){#custom-header-wrapper .header__nav{height:100vh;height:calc(var(--vh, 1vh)*100)}#custom-header-wrapper .header__nav .sub-menu-wrap{height:100vh;height:calc(var(--vh, 1vh)*100);padding:0 32px;top:11px;width:50%}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{left:50%;top:11px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{font-weight:600;height:auto;padding:10px 0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:0}}@media only screen and (max-width:767px){#custom-header-wrapper .menu-toggle{margin-left:20px}#custom-header-wrapper .header__logo svg{width:auto}}@media only screen and (max-width:480px){#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__logo{margin-top:-5px}#custom-header-wrapper .header__indicator{display:block;height:1px;opacity:.15;z-index:9999}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-3px}#custom-header-wrapper .header__nav.active{position:fixed}#custom-header-wrapper .header__nav .menu{display:block;height:100vh;height:calc(var(--vh, 1vh)*100);overflow-y:scroll}#custom-header-wrapper .header__nav .menu>li.menu-item{align-items:flex-start;border-left:none!important;flex-direction:column;height:auto;min-height:38px;padding:0}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:0}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:none}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#212424;border-left:4px solid;display:none;height:auto;left:0;margin-top:20px;padding:25px;position:relative;right:unset;top:0;width:calc(100% + 50px)}#custom-header-wrapper .header__nav .sub-menu .menu-item{display:block;height:auto;padding:10px 0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:1px}#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{margin-bottom:10px}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{display:block}#custom-header-wrapper .header__nav .menu>li.menu-item>a{display:block;font-size:16px;padding:10px 25px 0;width:100%}#custom-header-wrapper .header__nav .menu .legal-links{margin-bottom:150px}}@media only screen and (max-width:374px){#custom-header-wrapper #subnavBar .sub-menu-wrap{padding-left:4px;padding-right:4px}#custom-header-wrapper .sub-menu-item{padding-right:8px}}#custom-header-wrapper .header__nav{background:#222424;height:100vh;height:calc(var(--vh, 1vh)*100);width:100%}@media (min-width:1065px){#custom-header-wrapper .header__nav{left:-251px;transition:all .5s;width:251px}#custom-header-wrapper .header__nav.active{left:0}}#custom-header-wrapper .header__nav .bottom-menu{background:#222424;bottom:50px;font-family:EuclidCircularB,sans-serif;font-size:12px;font-weight:700;padding:0 30px;position:absolute;width:100%}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu{bottom:40px}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{align-items:center;color:#7d7d7d;cursor:pointer;display:flex;margin:22px 0 32px;width:100%}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{margin:40px 0}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu:hover{text-decoration:underline}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu a{margin-left:20px}#custom-header-wrapper .header__nav .wp-menu{-ms-overflow-style:none;max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px);overflow:scroll;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{border-left:3px solid #222424}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:first-child{border-top:2px solid #222424}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover{background-color:#181716}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .main-menu-wrap{border-left:3px solid #bfc8fb;color:#bfc8fb}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{display:block;padding:30px 40px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{padding:18px 46px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:400;line-height:24px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{padding:12px 16px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap::-webkit-scrollbar,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{background-color:#222424;border:none;display:block;height:100vh;height:calc(var(--vh, 1vh)*100);left:100%;margin:0;max-height:calc(100vh - 148px);max-height:calc(var(--vh, 1vh)*100 - 148px);overflow:auto;padding:0;position:absolute;transition:all .5s;visibility:visible}@media (min-width:500px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px)}}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{border-left:1px solid #7f7f7f;max-height:calc(100vh - 48px);max-height:calc(var(--vh, 1vh)*100 - 48px);right:-320px;top:0;transition:none;visibility:hidden;width:320px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap.mobile-active{border-left:none;display:block;left:0;right:0;top:0;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{align-items:center;color:#626262;display:block;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:35px 31px 10px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-arrow{margin-right:20px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-height:calc(100% - 70px);max-width:none;overflow:auto}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{align-items:center;background:#222424;color:#bfc8fb;cursor:pointer;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:26px 45px 26px 32px;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{padding:30px 45px 30px 30px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{align-items:center;background:#222424;color:#bfc8fb;cursor:pointer;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:26px 45px 26px 32px;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{padding:30px 45px 30px 30px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{border:solid #bfc8fb;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:35px;top:30px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{top:35px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:37px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:40px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{background:#181716;display:block;font-family:EuclidCircularB,sans-serif;font-size:15px;font-weight:400;padding:24px 32px}#custom-header-wrapper .region-selector-mobile{background-color:rgba(0,0,0,.4);overflow-y:auto;top:0;z-index:999999}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap{border-radius:5px;left:50%;position:absolute;top:50%;transform:translate(-50%,-50%)}@media screen and (min-width:640px) and (max-width:768px){#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap .mob-region-sel-holder{margin-bottom:20px;margin-top:175px}}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap .radio-outer{align-items:center;border:2px solid #395bb6;border-radius:50%;display:flex;height:20px;justify-content:center;width:20px}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap ul 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p-24px mx-20px rounded-5px mob-region-sel-holder"> <div class="text-333333 font-euclidcircularb font-bold pb-12px border-b-1 border-light text-20px"> Select Region </div> <div> <ul> <li class="mt-24px flex items-center curr-region-sel cursor-pointer active" data-curr-region="usa"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/usa-icon.svg" alt="US" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United States</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="uk"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/uk-icon.svg" alt="UK" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">United Kingdom</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="de"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/de-icon.svg" alt="DE" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Germany</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="in"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/in-icon.svg" alt="IN" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">India</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="au"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/au-icon.svg" alt="AU" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Australia</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="it"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/it-icon.svg" alt="IT" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Italy</span> </div> </li> <li class="mt-24px flex items-center curr-region-sel cursor-pointer" data-curr-region="ca"> <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/ca-icon.svg" alt="CA" class="w-24px h-16px mr-15px" /> <span class="font-euclidcircularb-regular text-20px text-333333 leading-30px">Canada</span> </div> </li> </ul> </div> </div> </div> </div> <header class="header-us sticky"> <div class="pos-r relative"> <div class="header__container"> <div class="menu-toggle" id="site-menu-toggle"> <div class="menu-toggle-wrap"> <svg class="open" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path d="M2 5.5h16v2H2zM2 9.5h16v2H2zM2 13.5h16v2H2z"></path></svg> <svg class="close" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path transform="rotate(45.001 10 10)" d="M2 9h16v2H2z"></path><path 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She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying off $18,000 in debt within 10 months of graduating college. She later went on to triple her salary in two years by ditching her 8-to-5 job to write for a living. </p> </div> </div> <div class="author-data mt-6 lg:mt-0"> <nav class="c-tabs border-t-0" data-toggle="c-tabs" role="navigation"> <ul class="c-tab--navigation"> <li class="c-tab--item"> <a href="#custom-tab" class="active">About</a> </li> <li class="c-tab--item"> <a href="#editorial-stream" >Latest Articles</a> </li> <li class="c-tab--item"> <a href="#archive">Archive</a> </li> <li class="c-tab--slider"> <div class="c-tab-indicator"></div> </li> </ul> </nav> <div class="author-data-tab-container px-4 lg:px-8 py-6 border mb-8"> <div id="custom-tab" class="c-tab--content wysiwyg-content author-about-content active"> <p>Cassidy Horton’s passion for personal finance began in college when she hatched a plan to pay off $18,000 in student loan debt within 10 months of graduation. As a first-generation college student and wealth builder, she was desperate to rewrite her money story and feel more financially secure.</p> <p>Throughout college, Cassidy wrote for her school’s semesterly alumni magazine. But after graduation, she felt stuck: She was passionate about both writing and finance. But she had no idea how to combine the two.</p> <p>Then, in March 2019, she decided to do something brave. She ditched her 8-to-5 job as an academic advisor to become a freelance personal finance writer. Cassidy started out writing for financial advisors and wealth management firms until she found her true calling: helping everyday people sort through their own money muck and build generational wealth.</p> <p>Today, Cassidy has written over 1,000 personal finance articles across publications like NerdWallet, MarketWatch, ConsumerAffairs, Clever Girl Finance and Stash, among others. She has been a Forbes Advisor contributor since 2022 for the banking, insurance and loans verticals.</p> <p>Her writing career has allowed her to quadruple her income over the years and has brought her more joy than she ever thought imaginable.</p> <p>In 2022, Cassidy launched a platform called Money Hungry Freelancers to helps other freelancers organize their finances and crush their money goals. She lives in Seattle where she loves knitting, reading fiction, hiking and hunting down the best fried chicken joint in town.</p> <h2>Expertise</h2> <ul> <li>Banking</li> <li>Checking</li> <li>Savings</li> <li>Insurance</li> <li>Loans</li> </ul> <h2>Achievements</h2> <ul> <li>More than five years of finance writing experience</li> <li>Published by NerdWallet, MarketWatch, ConsumerAffairs, USA Today, CNN, Stash, Prosper, Clever Girl Finance and more</li> <li>Founder of Money Hungry Freelancers</li> </ul> <h2>Other Publications</h2> <ul> <li><a href="https://www.clevergirlfinance.com/cycle-of-shame/" target="_blank" rel="nofollow noopener">How To Break The Cycle Of Shame Around Money</a></li> <li><a href="https://found.com/resources/how-to-budget-with-irregular-income" target="_blank" rel="nofollow noopener">Budgeting with Irregular Income: 10 Tips for 1099 Contractors</a></li> <li><a href="https://www.stash.com/learn/how-to-save-money/" target="_blank" rel="nofollow noopener">How to Save Money: 45 Best Ways to Grow Your Savings</a></li> <li><a href="https://www.consumeraffairs.com/finance/how-to-get-a-loan-to-buy-a-business.html" target="_blank" rel="nofollow noopener">How to get a loan to buy a business</a></li> <li><a href="https://www.clevergirlfinance.com/how-to-start-freelancing-with-no-experience/" target="_blank" rel="nofollow noopener">How To Start Freelancing With No Experience</a></li> </ul> <h2>Education</h2> <p>Georgia Southern University (MBA)</p> <p>Georgia Southern University (B.S. Public Relations)</p> </div> <div class="c-tab--content csr-common-stream " id="editorial-stream"> <ul class="edittools-stream"> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">2 weeks ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/life-insurance/how-insurers-get-info/" aria-label="How Life Insurers Get Info On You"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">How Life Insurers Get Info On You</span> </span> </h2> </a> <div class="stream-article-desc"> You might be surprised at how much information life insurance companies gather about you when you apply for a policy. From your medical history to your driving record—and even your social media presence—life insurance companies leave no stone unturned to... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/life-insurance/how-insurers-get-info/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/life-insurance/how-insurers-get-info/&text=How Life Insurers Get Info On You','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/life-insurance/how-insurers-get-info/&title=How Life Insurers Get Info On You');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=How Life Insurers Get Info On You - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/how-insurers-get-info/%0A%0AHow Life Insurers Get Info On You - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=How Life Insurers Get Info On You - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/how-insurers-get-info/%0A%0AHow Life Insurers Get Info On You - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/life-insurance/how-insurers-get-info/" aria-label="How Life Insurers Get Info On You"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/11/image2-340x190.jpg" alt="How Life Insurers Get Info On You" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">2 weeks ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/travel-insurance/travel-insurance-outlook-2025/" aria-label="Travel Insurance Outlook 2025: It’s All About You"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Travel Insurance Outlook 2025: It’s All About You</span> </span> </h2> </a> <div class="stream-article-desc"> Travel insurance companies hope to smooth out any turbulence you may encounter on your trips in 2025 by rolling out more consumer-friendly benefits. Among them are pet-inclusive policies, enhanced multitrip policies and automatic claim payouts. These extras may help take... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/travel-insurance/travel-insurance-outlook-2025/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/travel-insurance/travel-insurance-outlook-2025/&text=Travel Insurance Outlook 2025: It’s All About You','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/travel-insurance/travel-insurance-outlook-2025/&title=Travel Insurance Outlook 2025: It’s All About You');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Travel Insurance Outlook 2025: It’s All About You - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/travel-insurance/travel-insurance-outlook-2025/%0A%0ATravel Insurance Outlook 2025: It’s All About You - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Travel Insurance Outlook 2025: It’s All About You - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/travel-insurance/travel-insurance-outlook-2025/%0A%0ATravel Insurance Outlook 2025: It’s All About You - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/travel-insurance/travel-insurance-outlook-2025/" aria-label="Travel Insurance Outlook 2025: It’s All About You"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/11/Travel-Insurance-Outlook-Travel-Insurance-FI-340x190.jpg" alt="Travel Insurance Outlook 2025: It’s All About You" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">2 weeks ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/life-insurance/life-insurance-outlook-2025/" aria-label="Life Insurance Outlook 2025: Personalized Life Insurance"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Life Insurance Outlook 2025: Personalized Life Insurance</span> </span> </h2> </a> <div class="stream-article-desc"> The current digital transformation in the life insurance industry will combine with better humanization in 2025, which means the future of life insurance is both digital and personal. Consumers will seek convenient life insurance policies, including living benefits that offer... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/life-insurance/life-insurance-outlook-2025/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/life-insurance/life-insurance-outlook-2025/&text=Life Insurance Outlook 2025: Personalized Life Insurance','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/life-insurance/life-insurance-outlook-2025/&title=Life Insurance Outlook 2025: Personalized Life Insurance');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Life Insurance Outlook 2025: Personalized Life Insurance - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/life-insurance-outlook-2025/%0A%0ALife Insurance Outlook 2025: Personalized Life Insurance - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Life Insurance Outlook 2025: Personalized Life Insurance - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/life-insurance-outlook-2025/%0A%0ALife Insurance Outlook 2025: Personalized Life Insurance - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/life-insurance/life-insurance-outlook-2025/" aria-label="Life Insurance Outlook 2025: Personalized Life Insurance"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/11/life-insurance-outlook-340x190.jpg" alt="Life Insurance Outlook 2025: Personalized Life Insurance" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">3 weeks ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/banking/savings/how-to-save-20000-in-a-year/" aria-label="How To Save $20,000 In A Year"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">How To Save $20,000 In A Year</span> </span> </h2> </a> <div class="stream-article-desc"> Saving $20,000 in a year may sound impossible, but with the right strategies, you could make it happen. Here are tips for slashing expenses, earning extra income and directing every possible dollar toward hitting your savings goal. 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The best bank bonuses typically require you to either deposit a lump sum, receive a minimum amount of direct deposits or some combination of the two. Whichever... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/banking/best-bank-bonuses-promotions/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/banking/best-bank-bonuses-promotions/&text=Best Bank Bonuses and Promotions Of November 2024','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/banking/best-bank-bonuses-promotions/&title=Best Bank Bonuses and Promotions Of November 2024');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Best Bank Bonuses and Promotions Of November 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/banking/best-bank-bonuses-promotions/%0A%0ABest Bank Bonuses and Promotions Of November 2024 - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Best Bank Bonuses and Promotions Of November 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/banking/best-bank-bonuses-promotions/%0A%0ABest Bank Bonuses and Promotions Of November 2024 - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/banking/best-bank-bonuses-promotions/" aria-label="Best Bank Bonuses and Promotions Of November 2024"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2019/04/bank-bonus-340x190.jpg" alt="Best Bank Bonuses and Promotions Of November 2024" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope "> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">3 months ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/life-insurance/fidelity-life-insurance-review/" aria-label="Fidelity Life Insurance Review 2024: Pros and Cons"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Fidelity Life Insurance Review 2024: Pros and Cons</span> </span> </h2> </a> <div class="stream-article-desc"> We found Fidelity Life’s lineup of RAPIDecision products to be quite impressive. Many of its policies offer same-day coverage with no medical exam. It also has several policy options for seniors, including term life, whole life, final expense and guaranteed... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/life-insurance/fidelity-life-insurance-review/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/life-insurance/fidelity-life-insurance-review/&text=Fidelity Life Insurance Review 2024: Pros and Cons','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/life-insurance/fidelity-life-insurance-review/&title=Fidelity Life Insurance Review 2024: Pros and Cons');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Fidelity Life Insurance Review 2024: Pros and Cons - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/fidelity-life-insurance-review/%0A%0AFidelity Life Insurance Review 2024: Pros and Cons - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Fidelity Life Insurance Review 2024: Pros and Cons - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/fidelity-life-insurance-review/%0A%0AFidelity Life Insurance Review 2024: Pros and Cons - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/life-insurance/fidelity-life-insurance-review/" aria-label="Fidelity Life Insurance Review 2024: Pros and Cons"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/09/image3-340x190.jpg" alt="Fidelity Life Insurance Review 2024: Pros and Cons" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope hide"> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">3 months ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/life-insurance/guardian-life-insurance-review/" aria-label="Guardian Life Insurance Review 2024"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Guardian Life Insurance Review 2024</span> </span> </h2> </a> <div class="stream-article-desc"> Guardian offers a range of life insurance policies, including term, whole and universal options. 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We found that... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/life-insurance/guardian-life-insurance-review/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/life-insurance/guardian-life-insurance-review/&text=Guardian Life Insurance Review 2024','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/life-insurance/guardian-life-insurance-review/&title=Guardian Life Insurance Review 2024');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Guardian Life Insurance Review 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/guardian-life-insurance-review/%0A%0AGuardian Life Insurance Review 2024 - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Guardian Life Insurance Review 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/guardian-life-insurance-review/%0A%0AGuardian Life Insurance Review 2024 - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/life-insurance/guardian-life-insurance-review/" aria-label="Guardian Life Insurance Review 2024"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/08/image1-24-340x190.jpg" alt="Guardian Life Insurance Review 2024" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope hide"> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">3 months ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/life-insurance/allstate-life-insurance-review/" aria-label="Allstate Life Insurance Review 2024"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">Allstate Life Insurance Review 2024</span> </span> </h2> </a> <div class="stream-article-desc"> We like that Allstate lets you get a quote for term life insurance directly on its website. But all of its policies come from other insurers, such as Protective. We’d recommend instead going to an experienced independent life insurance who... </div> <div class="article-footer"> <div class="csf-sharing csf-block-sharing csf-block-sharing-small clearfix ng-isolate-scope"> <ul class="csf-sharing-list hide-icons"> <li class="fs-icon-share"> <button class="button" aria-label="Share"> <i class="icon icon-share"></i> </button> </li> <li class="facebook expandable"> <button class="button" aria-label="Share Facebook" onclick="(function(){window.open('https://www.facebook.com/sharer.php?u=https://www.forbes.com/advisor/life-insurance/allstate-life-insurance-review/','_blank');})()"> <i class="icon icon-facebook"></i> </button> </li> <li class="twitter expandable"> <button class="button" aria-label="Share Twitter" onclick="(function(){window.open('https://twitter.com/intent/tweet?url=https://www.forbes.com/advisor/life-insurance/allstate-life-insurance-review/&text=Allstate Life Insurance Review 2024','_blank');})()"> <i class="icon icon-twitter"></i> </button> </li> <li class="linkedin expandable"> <button class="button" aria-label="Share Linkedin" onclick="(function(){window.open('https://www.linkedin.com/shareArticle?mini=true&url=https://www.forbes.com/advisor/life-insurance/allstate-life-insurance-review/&title=Allstate Life Insurance Review 2024');})()"> <i class="icon icon-linkedin"></i> </button> </li> <li class="mobile email expandable"> <button class="button" onclick="(function(){window.open('mailto:?subject=Allstate Life Insurance Review 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/allstate-life-insurance-review/%0A%0AAllstate Life Insurance Review 2024 - Forbes','_blank');})()"> <a aria-label="Share Email"> <i class="icon icon-email"></i> </a> </button> </li> <li class="desktop email"> <button class="button" aria-label="Share Email" onclick="(function(){window.open('mailto:?subject=Allstate Life Insurance Review 2024 - Forbes&body=Hi,%0A%0AI thought you\'d like this:%0Ahttps://www.forbes.com/advisor/life-insurance/allstate-life-insurance-review/%0A%0AAllstate Life Insurance Review 2024 - Forbes','_blank');})()"> <i class="icon icon-email"></i> </button> </li> </ul> </div> </div> </div> <div class="stream-article-thumbnail ng-scope"> <a class="fs-bg-image article-image ratio16x9" href="https://www.forbes.com/advisor/life-insurance/allstate-life-insurance-review/" aria-label="Allstate Life Insurance Review 2024"> <img loading="lazy" class="object-cover object-center fs-image w-full h-full" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2024/08/allstate-review-340x190.jpg" alt="Allstate Life Insurance Review 2024" /> <i class="icon icon-gallery"></i> </a> </div> </div> </div> </div> </li> <li class="stream-article et-promoblock-removeable-item et-promoblock-star-item ng-scope hide"> <div class="ng-scope"> <div class="ng-scope"> <div class="stream-article-wrapper ng-scope"> <div class="stream-article-text"> <h6 class="article-meta"> <span class="ng-scope"> <time class="article-time ng-binding">5 months ago</time> </span> </h6> <a href="https://www.forbes.com/advisor/banking/lgbt-friendly-banks/" aria-label="10 LGBTQ-Friendly Banks Of 2024"> <h2 class="fs-h2 article-headline ng-isolate-scope"> <span class="brand-voice-name ng-scope"> <span class="ng-binding">10 LGBTQ-Friendly Banks Of 2024</span> </span> </h2> </a> <div class="stream-article-desc"> LGBTQ-friendly banks aim to provide a safe space where people of all sexual orientations and gender identities can access financial products and services tailored to their needs and goals. 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Annual percentage yields (APYs) are an important factor to consider when choosing a savings account, but they aren’t the only factor. 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We’ve compared 60 financial institutions to pinpoint the best options for small business owners. 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values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='July' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> July 2023 (7)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='June' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> June 2023 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='May' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> May 2023 (5)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='April' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> April 2023 (4)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='March' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> March 2023 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='February' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> February 2023 (5)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='January' data-year='2023' > <span class="accordion-tab-text pointer-events-none"> January 2023 (7)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='December' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> December 2022 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='November' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> November 2022 (8)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='October' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> October 2022 (8)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='September' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> September 2022 (8)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='August' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> August 2022 (2)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='June' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> June 2022 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='January' data-year='2022' > <span class="accordion-tab-text pointer-events-none"> January 2022 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='November' data-year='2021' > <span class="accordion-tab-text pointer-events-none"> November 2021 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='October' data-year='2020' > <span class="accordion-tab-text pointer-events-none"> October 2020 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.2"/></circle><circle fill="#395BB6" stroke="none" cx="46" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.3"/> </circle> </svg> </span> </button> <div class="monthly-post-wrapper hidden"></div> <button class="accordion-tab quick-facts-tab d-tb-none" data-month='September' data-year='2020' > <span class="accordion-tab-text pointer-events-none"> September 2020 (1)</span> <span class="tab-loader hidden"> <svg version="1.1" id="L4" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 100 100" enable-background="new 0 0 0 0" xml:space="preserve" height="30px" width="30px"> <circle fill="#395BB6" stroke="none" cx="6" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" repeatCount="indefinite" begin="0.1"/></circle><circle fill="#395BB6" stroke="none" cx="26" cy="50" r="6"><animate attributeName="opacity" dur="1s" values="0;1;0" 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href="https://www.forbes.com/advisor/banking/savings/are-high-yield-savings-accounts-worth-it/"></a></p> </li> <li> <div class="read-more__block"> <div class="img-wrap"> <img alt="How To Save $5,000 In A Year" loading="lazy" src="https://www.forbes.com/advisor/wp-content/uploads/2024/02/How-To-Save-5000-In-A-Year-1.jpg" /> </div> <div class="content-wrap"> <h5 class="post-title">How To Save $5,000 In A Year</h5> <p class="author-name">by Cassidy Horton</p> <a class="block" href="https://www.forbes.com/advisor/banking/savings/how-to-save-5000-in-a-year/">Read More</a> </div> </div> <p><a href="https://www.forbes.com/advisor/banking/savings/how-to-save-5000-in-a-year/"></a></p> </li> <li> <div class="read-more__block"> <div class="img-wrap"> <img alt="The Silent Strain: How Debt Takes A Toll On Mental Health" loading="lazy" src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/American-Debt.png" /> </div> <div class="content-wrap"> <h5 class="post-title">The Silent Strain: How Debt Takes A Toll On Mental Health</h5> <p class="author-name">by Cassidy Horton</p> <a class="block" href="https://www.forbes.com/advisor/banking/american-debt-and-the-mental-health-epidemic/">Read More</a> </div> </div> <p><a href="https://www.forbes.com/advisor/banking/american-debt-and-the-mental-health-epidemic/"></a></p> </li> </ul> </div> </div> <div class="right-wrap flex-shrink-0" id="right-rail"> <div class="hide-mobile"> <div class="about-author"> <p class="about-author__heading">About</p> <p class="about-author__content"> Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying off $18,000 in debt within 10 months of graduating college. 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transform="rotate(45.001 10 10)" d="M2 9h16v2H2z"></path><path transform="rotate(134.999 10 10)" d="M2 9h16v2H2z"></path></svg> </div> <form class="search-modal__form"> <input type="text" class="search-modal__input" placeholder="Search"> <button class="search-modal__button"> <svg class="search-modal__button-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path transform="rotate(-180 8.964 11)" d="M1 10h16v2H1z"></path><path transform="rotate(134.999 14.965 13.124)" d="M11 12.1h8v2h-8z"></path><path transform="rotate(-134.999 14.965 8.877)" d="M11 7.9h8v2h-8z"></path></svg> </button> </form> </div><style> .tool-tip{background-color: #fff;padding: 10px;border-radius: 5px;border: 1px solid #eee;position: absolute;z-index: 99;max-width: 250px;display: none;box-shadow:0px 1px 5px 2px #eee;} .tool-tip.active{display:block;} </style> <div class="tool-tip"> <div class="tool-top__text">lorem</div> </div><style> .confirm__box{width:100%;max-width:500px;display:flex;background-color:#fff;padding:50px 36px;flex-direction:column;justify-content: center;align-items: center;position:fixed;top:50%;left:50%;transform:translate(-50%,-50%);z-index:8900;box-shadow:0 0 20px 10px rgba(0,0,0,.08);display:none;border:1px solid #e2e2e2;} .confirm__box--title{font-family: Merriweather,serif;font-size:16px;line-height: 1.44;color: #181715;text-align:center;margin-bottom:20px;font-weight:700;} .confirm__ctas{display:flex;justify-content:center;} .confirm__cta{font-family: 'Work Sans',sans-serif;font-size:14px;color:#181715;letter-spacing:-0.5px;font-weight:500;line-height:16px;padding:12px 22px;border-radius:3px;background-color:#fff;text-transform:uppercase;width:100px;display:inline-block;} .confirm__cta--cancle{margin-right:12px;border:1px solid #181715;} .confirm__cta--cancle--hide{display:none;} .confirm__cta--ok{color:#fff;background-color: #5a71ff;} .confirm__cta--ok--hide{display:none;} </style> <div class="confirm__box" id="confirm__box"> <div class="confirm__box--title" id="confirm__box--title">Are you sure you want to rest your choices?</div> <div class="confirm__ctas"> <button id="confirm__cancel" class="confirm__cta confirm__cta--cancle">cancel</button> <button id="confirm__ok" class="confirm__cta confirm__cta--ok">ok</button> </div> </div><script> var __linkprefetch = (function(){ var util = (function () { function isStringSet(str) { return typeof str === "string" && str !== ''; } function isSet(val) { switch (typeof val) { case "string": return isStringSet(val); case "object": return val !== null; case "number": case "boolean": return true; default: return false; } } return { isStringSet: isStringSet, isSet: isSet }; })(); var eventLib = (function () { function addEvent(elem, type, eventHandle) { if (elem.addEventListener) { elem.addEventListener(type, eventHandle, false); } else if (elem.attachEvent) { elem.attachEvent("on" + type, eventHandle); } elem = null; // Handle Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid 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'animated-background' : ''; window.placeHolderMap[id] = true; placeholderDivs[ph].appendChild(placeholder); placeholderCounterMap[placeholderID]++; } } } } function initializeDFP(callback) { try { googletag.cmd.push(function () { googletag.pubads().enableSingleRequest(); googletag.pubads().setTargeting("channel", "advisor_us"); googletag.pubads().setTargeting("id", "/advisor/" ); googletag.pubads().setTargeting("authorName", "cassidy-horton" ); googletag.pubads().setTargeting("template", "author-archive" ); googletag.pubads().setTargeting("section", "personal-finance" ); googletag.pubads().setTargeting("authorType", "contrib" ); googletag.pubads().setTargeting("category", "money" ); googletag.pubads().setTargeting("swimlane", "" ); googletag.pubads().disableInitialLoad(); googletag.enableServices(); }); if (callback && typeof (callback) === "function") { callback(); } } catch (error) { console.log('DFP Error' + error); } } function lazyLoadSlots(articleIndex, rowIndexArray) { /* This function will create div ids, size array and call defineSlot */ rowIndexArray.forEach(function (rowIndex) { var slotMetaDataArray = []; var placeholderIndexMapKey = articleIndex + "" + rowIndex; //Eg: 01 var slotIndexMap = placeholderIndexMap[placeholderIndexMapKey]; if (!slotIndexMap) { console.log('slot not found', placeholderIndexMapKey); return false; } for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 //push to slotMetaDataArray, if slotId present in placeHolderMap and slotId not true in defineSlotMap if (window.placeHolderMap[slotId] && !window.defineSlotMap[slotId]) { var sizeArray = getSizeArray(placeholderId); //eg: [[320,50], [1,1]] var pageIndex = getPageIndex(articleIndex, rowIndex); if (sizeArray.length != 0) { var slotMetaDetails = { sizeArray: sizeArray, slotId: slotId, placeholderId: placeholderId, index: index, articleIndex: articleIndex, pageIndex: pageIndex, unitPath: unitPath, batch: articleIndex + "" + rowIndex }; slotMetaDataArray.push(slotMetaDetails); } } }); } } //send slots to dfp for each row if (slotMetaDataArray.length != 0) { defineDFPSlotBatches(slotMetaDataArray); } }); //send max 4 slots to dfp // while (slotMetaDataArray.length > 0) { // var chunkArray = slotMetaDataArray.splice(0,4); // defineDFPSlotBatches(chunkArray); // } } window.allSlots = {}; function defineDFPSlotBatches(slotMetaDataArray) { if (!!window.dfpdbg) { console.log('slotMetaDataArray', slotMetaDataArray); } var firstSlotMeta = slotMetaDataArray[0]; var batch = firstSlotMeta.batch; var placementMap = []; window.allSlots[batch] = []; slotMetaDataArray.forEach(function (meta) { placementMap.push({slotID: meta.slotId, sizes: meta.sizeArray}); defineSlot(meta); }); if (placementMap.length !== 0) { // callAmazon(placementMap, batch); // callApsOnError(batch); callGPT(placementMap, batch); } } //DFP Slot logic start window.defineSlotMap = {}; function defineSlot(slotMeta) { googletag.cmd.push(function () { var slotId = slotMeta.slotId; var slot = googletag.defineSlot(slotMeta.unitPath, slotMeta.sizeArray, slotId) .addService(googletag.pubads()) .setTargeting('pos', slotMeta.placeholderId) .setTargeting('slotId', slotId); // .setTargeting(slotMeta.placeholderId, slotMeta.index + '') // .setTargeting('pageIndex', slotMeta.pageIndex); googletag.display(slotId); window.allSlots[slotMeta.batch].push(slot); window.defineSlotMap[slotId] = true; }); } // function callApsOnError(batch) { // if (apsErrorLoading) { // googletag.cmd.push(function () { // googletag.pubads().refresh(window.allSlots[batch]); // }); // } // } // function callAmazon(placementMap, batch) { // apstag.fetchBids({ // slots: placementMap // }, function (bids) { // googletag.cmd.push(function () { // apstag.setDisplayBids(); // googletag.pubads().refresh(window.allSlots[batch]); // }); // }); // } function callGPT(placementMap, batch) { googletag.cmd.push(function () { googletag.pubads().refresh(window.allSlots[batch]); }); } var sections = document.getElementsByClassName('article-row'); function initDFPScrollhandler(callback, destroySlots) { _maddEventHandler(window, 'scroll', debounce(function () { var scrollTop = window.pageYOffset || document.documentElement.scrollTop; var direction = (scrollTop > previousScrollTop) ? 1 : -1; //downward scroll var large = 0; var largestVisibleElement = 0; for (var s = 0; s < sections.length; s++) { var section = sections[s]; var percentage = getVisibilityForElement(section); if (percentage > 99) { large = percentage; largestVisibleElement = section; break; } if (large < percentage) { large = percentage; largestVisibleElement = section; } } // console.log('lll ', largestVisibleElement, large, sections.length); if (largestVisibleElement) { var currentRowIndex = largestVisibleElement.getAttribute('data-index'); var dataPageIndex = largestVisibleElement.getAttribute('data-page'); var isDFPCalled = largestVisibleElement.getAttribute('data-dfp') || false; // Destroy old slots if (destroySlots === true) { destroyOldSlots(currentRowIndex, dataPageIndex); } if (!!isDFPCalled) { return; } if (callback && typeof (callback) === "function") { callback(direction, currentRowIndex, dataPageIndex); } largestVisibleElement.setAttribute("data-dfp", true); } previousScrollTop = scrollTop <= 0 ? 0 : scrollTop; }, 250)); } function destroyOldSlots(currentRowIndex, dataPageIndex) { var deleteOffset = 3; var articleIndex = dataPageIndex; var deleteRowIndex = currentRowIndex - deleteOffset; // To handle slides for previous article if (deleteRowIndex < 0 && articleIndex > 0) { // while(deleteRowIndex < 0 && articleIndex >= 0){} articleIndex = articleIndex - 1; if (slidesCountMap[articleIndex] >= 0) { deleteRowIndex = slidesCountMap[articleIndex] + deleteRowIndex; } } if (deleteRowIndex < 0) { return; } var batchNumber = articleIndex + "" + deleteRowIndex; //01 if (allSlots[batchNumber] && allSlots[batchNumber].length != 0) { // console.log('-- Destroy --'); // console.log('Row Index: ', deleteRowIndex); // console.log('BatchNumber -> ', batchNumber); googletag.cmd.push(function () { googletag.destroySlots(allSlots[batchNumber]); }); allSlots[batchNumber] = []; var slotIndexMap = placeholderIndexMap[batchNumber]; for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 defineSlotMap[slotId] = false; // console.log('slotId -> ', slotId); }); } } var articleWrapper = document.getElementsByClassName('spa-article')[articleIndex]; if (!!articleWrapper) { var articleRow = articleWrapper.getElementsByClassName('article-row')[deleteRowIndex]; if (!!articleRow) { articleRow.removeAttribute('data-dfp'); } } // console.log('-- Destroy --'); } } function loadSingleUnit(posArray, articleIndex, parentID) { var slotMetaDataArray = []; var parentEle = null; if (parentID) { parentEle = document.getElementById(parentID); } else { parentEle = document; } posArray.forEach(function (pos) { var placeholderClass = getcssClass(pos); var parentDiv = parentEle.getElementsByClassName(placeholderClass); if (!!parentDiv.length != 0) { //create div var placeholder = document.createElement("div"); var slotId = pos + "-" + articleIndex; //rec-0 placeholder.id = slotId; placeholder.className = 'placeholder'; window.placeHolderMap[slotId] = true; parentDiv[0].appendChild(placeholder); var sizeArray = getSizeArray(pos); var meta = { sizeArray: sizeArray, slotId: slotId, placeholderId: pos, index: 1, articleIndex: articleIndex, pageIndex: 1, unitPath: unitPath, batch: articleIndex + "w" }; slotMetaDataArray.push(meta); } else { console.error('placeholder not found', placeholderClass); } }); if (slotMetaDataArray.length !== 0) { defineDFPSlotBatches(slotMetaDataArray); } } function refreshSlots(slots) { if (slots.length !== 0) { googletag.cmd.push(function () { googletag.pubads().refresh(slots); }); } } </script> <script> document.addEventListener('DOMContentLoaded', () => { document.querySelectorAll('.article-text a').forEach(item => { var linkValue = item.getAttribute('href'); if (linkValue) { var gaTrackingValue = "ExternalLink:" + linkValue; item.setAttribute('ga-data-track', gaTrackingValue) } }) }); </script><script> var deviceType = getDeviceTypeInNumber(window.deviceType); var posData = { rightRail: { placeholder: 'rail-ed-placeholder', sizes: [[300, 250], [300, 600], [1, 1], ['fluid']] }, editorialStream: { placeholder: 'editorialstream-ed-placeholder', sizes: [[820, 236], [620, 529], [300, 250], [620, 236], ['fluid']] }, afterBio: { placeholder: 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targetElement.appendChild(el); } } /** * This function will generate placeholders */ function generateIncontentPlaceholders() { var articles = $qsa(selectors.editorialStream + '>li'); var totalArticles = articles.length; var articleRowIndex = 0; if (totalArticles > 0) { for (var i = 0; i < totalArticles; i++) { if ((i + 1) % 5 === 0) { var target = articles[i]; var parentWrapper = createElement('li', { id: 'stream-' + articleRowIndex, }); var wrapper = createElement('div', { class: posData.editorialStream.placeholder, style: 'text-align:center;' }); parentWrapper.appendChild(wrapper); insertAfter(parentWrapper, target); articleRowIndex++; } } } } /** * This function will generate placehoders for template based on device */ function generateTemplatePlaceHolders() { if (deviceType !== 3) { generatePlaceholdersInsideElement(selectors.rightRail, posData.rightRail.placeholder); // generateIncontentPlaceholders(); } else { generatePlaceholdersAfterElement(selectors.authorBioMobile, posData.afterBio.placeholder); generatePlaceholdersAfterElement(selectors.mainContent, posData.afterContent.placeholder); generatePlaceholdersAfterElement(selectors.mostPopular, posData.afterBottomBlock.placeholder); } } generateTemplatePlaceHolders(); //dfp setup window.dfpConfig = { 1: { 'recx': { 'size': posData.rightRail.sizes, 'cssClass': posData.rightRail.placeholder }, 'rec': { 'size': posData.editorialStream.sizes, 'cssClass': posData.editorialStream.placeholder }, }, 2: { 'recx': { 'size': posData.rightRail.sizes, 'cssClass': posData.rightRail.placeholder }, 'rec': { 'size': posData.editorialStream.sizes, 'cssClass': posData.editorialStream.placeholder }, }, 3: { 'mobilerec': { 'size': posData.afterBio.sizes, 'cssClass': posData.afterBio.placeholder }, 'mobilex': { 'size': posData.afterContent.sizes, 'cssClass': posData.afterContent.placeholder }, 'rec': { 'size': posData.afterBottomBlock.sizes, 'cssClass': posData.afterBottomBlock.placeholder }, } }; 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