Health and Benefits

<!DOCTYPE html><html lang="en"><head><link rel="preload" href="/lib/aon-lib.main.css?v=RT6cM42jpt88DDb0sOUrUVzLHgMYpNTVWk4Si75u5HQ1" as="style"/><meta charSet="utf-8"/><script type="text/javascript">window.NREUM||(NREUM={});NREUM.info = {"beacon":"bam.nr-data.net","errorBeacon":"bam.nr-data.net","licenseKey":"f22df58664","applicationID":"696403083","transactionName":"YwZSZEFTWEZXVBINCVpMfWZwHWVcQlIFCxRRIF9eR0BZWVpSFEsvWgdVSA==","queueTime":0,"applicationTime":4878,"agent":"","atts":""}</script><script type="text/javascript">(window.NREUM||(NREUM={})).init={privacy:{cookies_enabled:true},ajax:{deny_list:["bam.nr-data.net"]},distributed_tracing:{enabled:true}};(window.NREUM||(NREUM={})).loader_config={agentID:"718342270",accountID:"1224682",trustKey:"663988",xpid:"VQQFVVBbChAGXVdWBwIHXlc=",licenseKey:"f22df58664",applicationID:"696403083"};;/*! For license information please see nr-loader-spa-1.273.1.min.js.LICENSE.txt */ (()=>{var e,t,r={8122:(e,t,r)=>{"use strict";r.d(t,{a:()=>i});var n=r(944);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.R)(3);if(!t||"object"!=typeof t)return(0,n.R)(4);const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.R)(1,e)}return r}catch(e){(0,n.R)(2,e)}}},2555:(e,t,r)=>{"use strict";r.d(t,{Vp:()=>c,fn:()=>s,x1:()=>u});var n=r(384),i=r(8122);const o={beacon:n.NT.beacon,errorBeacon:n.NT.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){try{const t=c(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}function c(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function u(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.info=a[e])}},9417:(e,t,r)=>{"use strict";r.d(t,{D0:()=>h,gD:()=>g,xN:()=>p});var n=r(993);const i=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var o=r(2614),a=r(944),s=r(384),c=r(8122);const u="[data-nr-mask]",d=()=>{const e={mask_selector:"*",block_selector:"[data-nr-block]",mask_input_options:{color:!1,date:!1,"datetime-local":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{ajax:{deny_list:void 0,block_internal:!0,enabled:!0,harvestTimeSeconds:10,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},feature_flags:[],generic_events:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},harvest:{tooManyRequestsDelay:60},jserrors:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},logging:{enabled:!0,harvestTimeSeconds:10,autoStart:!0,level:n.p_.INFO},metrics:{enabled:!0,autoStart:!0},obfuscate:void 0,page_action:{enabled:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},performance:{capture_marks:!1,capture_measures:!1},privacy:{cookies_enabled:!0},proxy:{assets:void 0,beacon:void 0},session:{expiresMs:o.wk,inactiveMs:o.BB},session_replay:{autoStart:!0,enabled:!1,harvestTimeSeconds:60,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,fix_stylesheets:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){i(t)?e.mask_selector="".concat(t,",").concat(u):""===t||null===t?e.mask_selector=u:(0,a.R)(5,t)},get block_class(){return"nr-block"},get ignore_class(){return"nr-ignore"},get mask_text_class(){return"nr-mask"},get block_selector(){return e.block_selector},set block_selector(t){i(t)?e.block_selector+=",".concat(t):""!==t&&(0,a.R)(6,t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&"object"==typeof t?e.mask_input_options={...t,password:!0}:(0,a.R)(7,t)}},session_trace:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},soft_navigations:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},spa:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},ssl:void 0,user_actions:{enabled:!0}}},l={},f="All configuration objects require an agent identifier!";function h(e){if(!e)throw new Error(f);if(!l[e])throw new Error("Configuration for ".concat(e," was never set"));return l[e]}function p(e,t){if(!e)throw new Error(f);l[e]=(0,c.a)(t,d());const r=(0,s.nY)(e);r&&(r.init=l[e])}function g(e,t){if(!e)throw new Error(f);var r=h(e);if(r){for(var n=t.split("."),i=0;i<n.length-1;i++)if("object"!=typeof(r=r[n[i]]))return;r=r[n[n.length-1]]}return r}},5603:(e,t,r)=>{"use strict";r.d(t,{a:()=>c,o:()=>s});var n=r(384),i=r(8122);const o={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},a={};function s(e){if(!e)throw new Error("All loader-config objects require an agent identifier!");if(!a[e])throw new Error("LoaderConfig for ".concat(e," was never set"));return a[e]}function c(e,t){if(!e)throw new Error("All loader-config objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.loader_config=a[e])}},3371:(e,t,r)=>{"use strict";r.d(t,{V:()=>f,f:()=>l});var n=r(8122),i=r(384),o=r(6154),a=r(9324);let s=0;const c={buildEnv:a.F3,distMethod:a.Xs,version:a.xv,originTime:o.WN},u={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,timeKeeper:void 0,obfuscator:void 0},d={};function l(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!d[e])throw new Error("Runtime for ".concat(e," was never set"));return d[e]}function f(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");d[e]={...(0,n.a)(t,u),...c},Object.hasOwnProperty.call(d[e],"harvestCount")||Object.defineProperty(d[e],"harvestCount",{get:()=>++s});const r=(0,i.nY)(e);r&&(r.runtime=d[e])}},9324:(e,t,r)=>{"use strict";r.d(t,{F3:()=>i,Xs:()=>o,Yq:()=>a,xv:()=>n});const n="1.273.1",i="PROD",o="CDN",a="2.0.0-alpha.12"},6154:(e,t,r)=>{"use strict";r.d(t,{A4:()=>s,OF:()=>d,RI:()=>i,WN:()=>h,bv:()=>o,gm:()=>a,lR:()=>f,m:()=>u,mw:()=>c,sb:()=>l});var n=r(1863);const i="undefined"!=typeof window&&!!window.document,o="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),a=i?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),s="complete"===a?.document?.readyState,c=Boolean("hidden"===a?.document?.visibilityState),u=""+a?.location,d=/iPad|iPhone|iPod/.test(a.navigator?.userAgent),l=d&&"undefined"==typeof SharedWorker,f=(()=>{const e=a.navigator?.userAgent?.match(/Firefox[/\s](\d+\.\d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),h=Date.now()-(0,n.t)()},7295:(e,t,r)=>{"use strict";r.d(t,{Xv:()=>a,gX:()=>i,iW:()=>o});var n=[];function i(e){if(!e||o(e))return!1;if(0===n.length)return!0;for(var t=0;t<n.length;t++){var r=n[t];if("*"===r.hostname)return!1;if(s(r.hostname,e.hostname)&&c(r.pathname,e.pathname))return!1}return!0}function o(e){return void 0===e.hostname}function a(e){if(n=[],e&&e.length)for(var t=0;t<e.length;t++){let r=e[t];if(!r)continue;0===r.indexOf("http://")?r=r.substring(7):0===r.indexOf("https://")&&(r=r.substring(8));const i=r.indexOf("/");let o,a;i>0?(o=r.substring(0,i),a=r.substring(i)):(o=r,a="");let[s]=o.split(":");n.push({hostname:s,pathname:a})}}function s(e,t){return!(e.length>t.length)&&t.indexOf(e)===t.length-e.length}function c(e,t){return 0===e.indexOf("/")&&(e=e.substring(1)),0===t.indexOf("/")&&(t=t.substring(1)),""===e||e===t}},1687:(e,t,r)=>{"use strict";r.d(t,{Ak:()=>c,Ze:()=>l,x3:()=>u});var n=r(7836),i=r(3606),o=r(860),a=r(2646);const s={};function c(e,t){const r={staged:!1,priority:o.P3[t]||0};d(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){e&&s[e]&&(s[e].get(t)&&s[e].delete(t),h(e,t,!1),s[e].size&&f(e))}function d(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function l(e="",t="feature",r=!1){if(d(e),!e||!s[e].get(t)||r)return h(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((([e,t])=>t.staged))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((([t])=>{s[e].delete(t),h(e,t)})))}function h(e,t,r=!0){const o=e?n.ee.get(e):n.ee,s=i.i.handlers;if(!o.aborted&&o.backlog&&s){if(r){const e=o.backlog[t],r=s[t];if(r){for(let t=0;e&&t<e.length;++t)p(e[t],r);Object.entries(r).forEach((([e,t])=>{Object.values(t||{}).forEach((t=>{t[0]?.on&&t[0]?.context()instanceof a.y&&t[0].on(e,t[1])}))}))}}o.isolatedBacklog||delete s[t],o.backlog[t]=null,o.emit("drain-"+t,[])}}function p(e,t){var r=e[1];Object.values(t[r]||{}).forEach((t=>{var r=e[0];if(t[0]===r){var n=t[1],i=e[3],o=e[2];n.apply(i,o)}}))}},7836:(e,t,r)=>{"use strict";r.d(t,{P:()=>c,ee:()=>u});var n=r(384),i=r(8990),o=r(3371),a=r(2646),s=r(5607);const c="nr@context:".concat(s.W),u=function e(t,r){var n={},s={},d={},l=!1;try{l=16===r.length&&(0,o.f)(r).isolatedBacklog}catch(e){}var f={on:p,addEventListener:p,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i<r.length;i++)r[i]===t&&r.splice(i,1)},emit:function(e,r,n,i,o){!1!==o&&(o=!0);if(u.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=h(n),c=g(e),d=c.length,l=0;l<d;l++)c[l].apply(a,r);var p=v()[s[e]];p&&p.push([f,e,r,a]);return a},get:m,listeners:g,context:h,buffer:function(e,t){const r=v();if(t=t||"feature",f.aborted)return;Object.entries(e||{}).forEach((([e,n])=>{s[n]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!v()[s[e]]},debugId:r,backlog:l?{}:t&&"object"==typeof t.backlog?t.backlog:{},isolatedBacklog:l};return Object.defineProperty(f,"aborted",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function h(e){return e&&e instanceof a.y?e:e?(0,i.I)(e,c,(()=>new a.y(c))):new a.y(c)}function p(e,t){n[e]=g(e).concat(t)}function g(e){return n[e]||[]}function m(t){return d[t]=d[t]||e(f,t)}function v(){return f.backlog}}(void 0,"globalEE"),d=(0,n.Zm)();d.ee||(d.ee=u)},2646:(e,t,r)=>{"use strict";r.d(t,{y:()=>n});class n{constructor(e){this.contextId=e}}},9908:(e,t,r)=>{"use strict";r.d(t,{d:()=>n,p:()=>i});var n=r(7836).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},3606:(e,t,r)=>{"use strict";r.d(t,{i:()=>o});var n=r(9908);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.d,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.d);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3878:(e,t,r)=>{"use strict";function n(e,t){return{capture:e,passive:!1,signal:t}}function i(e,t,r=!1,i){window.addEventListener(e,t,n(r,i))}function o(e,t,r=!1,i){document.addEventListener(e,t,n(r,i))}r.d(t,{DD:()=>o,jT:()=>n,sp:()=>i})},5607:(e,t,r)=>{"use strict";r.d(t,{W:()=>n});const n=(0,r(9566).bz)()},9566:(e,t,r)=>{"use strict";r.d(t,{LA:()=>s,ZF:()=>c,bz:()=>a,el:()=>u});var n=r(6154);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n.gm?.crypto||n.gm?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split("").map((e=>"x"===e?o(t,r++).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n.gm?.crypto||n.gm?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s<e;s++)a.push(o(r,i++).toString(16));return a.join("")}function c(){return s(16)}function u(){return s(32)}},2614:(e,t,r)=>{"use strict";r.d(t,{BB:()=>a,H3:()=>n,g:()=>u,iL:()=>c,tS:()=>s,uh:()=>i,wk:()=>o});const n="NRBA",i="SESSION",o=144e5,a=18e5,s={STARTED:"session-started",PAUSE:"session-pause",RESET:"session-reset",RESUME:"session-resume",UPDATE:"session-update"},c={SAME_TAB:"same-tab",CROSS_TAB:"cross-tab"},u={OFF:0,FULL:1,ERROR:2}},1863:(e,t,r)=>{"use strict";function n(){return Math.floor(performance.now())}r.d(t,{t:()=>n})},7485:(e,t,r)=>{"use strict";r.d(t,{D:()=>i});var n=r(6154);function i(e){if(0===(e||"").indexOf("data:"))return{protocol:"data"};try{const t=new URL(e,location.href),r={port:t.port,hostname:t.hostname,pathname:t.pathname,search:t.search,protocol:t.protocol.slice(0,t.protocol.indexOf(":")),sameOrigin:t.protocol===n.gm?.location?.protocol&&t.host===n.gm?.location?.host};return r.port&&""!==r.port||("http:"===t.protocol&&(r.port="80"),"https:"===t.protocol&&(r.port="443")),r.pathname&&""!==r.pathname?r.pathname.startsWith("/")||(r.pathname="/".concat(r.pathname)):r.pathname="/",r}catch(e){return{}}}},944:(e,t,r)=>{"use strict";function n(e,t){"function"==typeof console.debug&&console.debug("New Relic Warning: https://github.com/newrelic/newrelic-browser-agent/blob/main/docs/warning-codes.md#".concat(e),t)}r.d(t,{R:()=>n})},5284:(e,t,r)=>{"use strict";r.d(t,{t:()=>c,B:()=>s});var n=r(7836),i=r(6154);const o="newrelic";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&"object"==typeof e&&(a.has(t)||(r.emit("rumresp",[e]),s[t]=e,a.add(t),function(e={}){try{i.gm.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},8990:(e,t,r)=>{"use strict";r.d(t,{I:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},6389:(e,t,r)=>{"use strict";function n(e,t=500,r={}){const n=r?.leading||!1;let i;return(...r)=>{n&&void 0===i&&(e.apply(this,r),i=setTimeout((()=>{i=clearTimeout(i)}),t)),n||(clearTimeout(i),i=setTimeout((()=>{e.apply(this,r)}),t))}}function i(e){let t=!1;return(...r)=>{t||(t=!0,e.apply(this,r))}}r.d(t,{J:()=>i,s:()=>n})},3304:(e,t,r)=>{"use strict";r.d(t,{A:()=>o});var n=r(7836);const i=()=>{const e=new WeakSet;return(t,r)=>{if("object"==typeof r&&null!==r){if(e.has(r))return;e.add(r)}return r}};function o(e){try{return JSON.stringify(e,i())??""}catch(e){try{n.ee.emit("internal-error",[e])}catch(e){}return""}}},5289:(e,t,r)=>{"use strict";r.d(t,{GG:()=>o,sB:()=>a});var n=r(3878);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.sp)("load",e,t)}function a(e){if(i())return e();(0,n.DD)("DOMContentLoaded",e)}},384:(e,t,r)=>{"use strict";r.d(t,{NT:()=>o,US:()=>d,Zm:()=>a,bQ:()=>c,dV:()=>s,nY:()=>u,pV:()=>l});var n=r(6154),i=r(1863);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return n.gm.NREUM||(n.gm.NREUM={}),void 0===n.gm.newrelic&&(n.gm.newrelic=n.gm.NREUM),n.gm.NREUM}function s(){let e=a();return e.o||(e.o={ST:n.gm.setTimeout,SI:n.gm.setImmediate,CT:n.gm.clearTimeout,XHR:n.gm.XMLHttpRequest,REQ:n.gm.Request,EV:n.gm.Event,PR:n.gm.Promise,MO:n.gm.MutationObserver,FETCH:n.gm.fetch,WS:n.gm.WebSocket}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.t)(),date:new Date},r.initializedAgents[e]=t}function u(e){let t=a();return t.initializedAgents?.[e]}function d(e,t){a()[e]=t}function l(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},2843:(e,t,r)=>{"use strict";r.d(t,{u:()=>i});var n=r(3878);function i(e,t=!1,r,i){(0,n.DD)("visibilitychange",(function(){if(t)return void("hidden"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},8139:(e,t,r)=>{"use strict";r.d(t,{u:()=>f});var n=r(7836),i=r(3434),o=r(8990),a=r(6154);const s={},c=a.gm.XMLHttpRequest,u="addEventListener",d="removeEventListener",l="nr@wrapped:".concat(n.P);function f(e){var t=function(e){return(e||n.ee).get("events")}(e);if(s[t.debugId]++)return t;s[t.debugId]=1;var r=(0,i.YM)(t,!0);function f(e){r.inPlace(e,[u,d],"-",p)}function p(e,t){return e[1]}return"getPrototypeOf"in Object&&(a.RI&&h(document,f),h(a.gm,f),h(c.prototype,f)),t.on(u+"-start",(function(e,t){var n=e[1];if(null!==n&&("function"==typeof n||"object"==typeof n)){var i=(0,o.I)(n,l,(function(){var e={object:function(){if("function"!=typeof n.handleEvent)return;return n.handleEvent.apply(n,arguments)},function:n}[typeof n];return e?r(e,"fn-",null,e.name||"anonymous"):n}));this.wrapped=e[1]=i}})),t.on(d+"-start",(function(e){e[1]=this.wrapped||e[1]})),t}function h(e,t,...r){let n=e;for(;"object"==typeof n&&!Object.prototype.hasOwnProperty.call(n,u);)n=Object.getPrototypeOf(n);n&&t(n,...r)}},3434:(e,t,r)=>{"use strict";r.d(t,{Jt:()=>o,YM:()=>c});var n=r(7836),i=r(5607);const o="nr@original:".concat(i.W);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");const a="-"===n.charAt(0);for(let s=0;s<t.length;s++){const c=t[s],u=e[c];d(u)||(e[c]=r(u,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return d(t)?t:(r||(r=""),nrWrapper[o]=t,function(e,t,r){if(Object.defineProperty&&Object.keys)try{return Object.keys(e).forEach((function(r){Object.defineProperty(t,r,{get:function(){return e[r]},set:function(t){return e[r]=t,t}})})),t}catch(e){u([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,d,l;try{a=this,o=[...arguments],d="function"==typeof n?n(o,a):n||{}}catch(t){u([t,"",[o,a,s],d],e)}i(r+"start",[o,a,s],d,c);try{return l=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],d,c),e}finally{i(r+"end",[o,a,l],d,c)}}}function i(r,n,i,o){if(!s||t){var a=s;s=!0;try{e.emit(r,n,i,t,o)}catch(t){u([t,r,n,i],e)}s=a}}}function u(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function d(e){return!(e&&"function"==typeof e&&e.apply&&!e[o])}},9300:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.ajax},3333:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,Zp:()=>i,mq:()=>s,nf:()=>a,qN:()=>o});const n=r(860).K7.genericEvents,i=["auxclick","click","copy","keydown","paste","scrollend"],o=["focus","blur"],a=4,s=1e3},6774:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.jserrors},993:(e,t,r)=>{"use strict";r.d(t,{ET:()=>o,TZ:()=>a,p_:()=>i});var n=r(860);const i={ERROR:"ERROR",WARN:"WARN",INFO:"INFO",DEBUG:"DEBUG",TRACE:"TRACE"},o="log",a=n.K7.logging},3785:(e,t,r)=>{"use strict";r.d(t,{R:()=>c,b:()=>u});var n=r(9908),i=r(1863),o=r(860),a=r(3969),s=r(993);function c(e,t,r={},c=s.p_.INFO){(0,n.p)(a.xV,["API/logging/".concat(c.toLowerCase(),"/called")],void 0,o.K7.metrics,e),(0,n.p)(s.ET,[(0,i.t)(),t,r,c],void 0,o.K7.logging,e)}function u(e){return"string"==typeof e&&Object.values(s.p_).some((t=>t===e.toUpperCase().trim()))}},3969:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,XG:()=>s,rs:()=>i,xV:()=>a,z_:()=>o});const n=r(860).K7.metrics,i="sm",o="cm",a="storeSupportabilityMetrics",s="storeEventMetrics"},6630:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewEvent},782:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewTiming},6344:(e,t,r)=>{"use strict";r.d(t,{BB:()=>d,G4:()=>o,Qb:()=>l,TZ:()=>i,Ug:()=>a,_s:()=>s,bc:()=>u,yP:()=>c});var n=r(2614);const i=r(860).K7.sessionReplay,o={RECORD:"recordReplay",PAUSE:"pauseReplay",REPLAY_RUNNING:"replayRunning",ERROR_DURING_REPLAY:"errorDuringReplay"},a=.12,s={DomContentLoaded:0,Load:1,FullSnapshot:2,IncrementalSnapshot:3,Meta:4,Custom:5},c={[n.g.ERROR]:15e3,[n.g.FULL]:3e5,[n.g.OFF]:0},u={RESET:{message:"Session was reset",sm:"Reset"},IMPORT:{message:"Recorder failed to import",sm:"Import"},TOO_MANY:{message:"429: Too Many Requests",sm:"Too-Many"},TOO_BIG:{message:"Payload was too large",sm:"Too-Big"},CROSS_TAB:{message:"Session Entity was set to OFF on another tab",sm:"Cross-Tab"},ENTITLEMENTS:{message:"Session Replay is not allowed and will not be started",sm:"Entitlement"}},d=5e3,l={API:"api"}},5270:(e,t,r)=>{"use strict";r.d(t,{Aw:()=>c,CT:()=>u,SR:()=>s});var n=r(384),i=r(9417),o=r(7767),a=r(6154);function s(e){return!!(0,n.dV)().o.MO&&(0,o.V)(e)&&!0===(0,i.gD)(e,"session_trace.enabled")}function c(e){return!0===(0,i.gD)(e,"session_replay.preload")&&s(e)}function u(e,t){const r=t.correctAbsoluteTimestamp(e);return{originalTimestamp:e,correctedTimestamp:r,timestampDiff:e-r,originTime:a.WN,correctedOriginTime:t.correctedOriginTime,originTimeDiff:Math.floor(a.WN-t.correctedOriginTime)}}},3738:(e,t,r)=>{"use strict";r.d(t,{He:()=>i,Kp:()=>s,Lc:()=>u,Rz:()=>d,TZ:()=>n,bD:()=>o,d3:()=>a,jx:()=>l,uP:()=>c});const n=r(860).K7.sessionTrace,i="bstResource",o="resource",a="-start",s="-end",c="fn"+a,u="fn"+s,d="pushState",l=1e3},3962:(e,t,r)=>{"use strict";r.d(t,{AM:()=>o,O2:()=>s,Qu:()=>c,TZ:()=>a,ih:()=>u,tC:()=>i});var n=r(860);const i=["click","keydown","submit"],o="api",a=n.K7.softNav,s={INITIAL_PAGE_LOAD:"",ROUTE_CHANGE:1,UNSPECIFIED:2},c={INTERACTION:1,AJAX:2,CUSTOM_END:3,CUSTOM_TRACER:4},u={IP:"in progress",FIN:"finished",CAN:"cancelled"}},7378:(e,t,r)=>{"use strict";r.d(t,{$p:()=>x,BR:()=>b,Kp:()=>R,L3:()=>y,Lc:()=>c,NC:()=>o,SG:()=>d,TZ:()=>i,U6:()=>p,UT:()=>m,d3:()=>w,dT:()=>f,e5:()=>A,gx:()=>v,l9:()=>l,oW:()=>h,op:()=>g,rw:()=>u,tH:()=>E,uP:()=>s,wW:()=>T,xq:()=>a});var n=r(384);const i=r(860).K7.spa,o=["click","submit","keypress","keydown","keyup","change"],a=999,s="fn-start",c="fn-end",u="cb-start",d="api-ixn-",l="remaining",f="interaction",h="spaNode",p="jsonpNode",g="fetch-start",m="fetch-done",v="fetch-body-",b="jsonp-end",y=(0,n.dV)().o.ST,w="-start",R="-end",x="-body",T="cb"+R,A="jsTime",E="fetch"},4234:(e,t,r)=>{"use strict";r.d(t,{W:()=>o});var n=r(7836),i=r(1687);class o{constructor(e,t){this.agentIdentifier=e,this.ee=n.ee.get(e),this.featureName=t,this.blocked=!1}deregisterDrain(){(0,i.x3)(this.agentIdentifier,this.featureName)}}},7767:(e,t,r)=>{"use strict";r.d(t,{V:()=>o});var n=r(9417),i=r(6154);const o=e=>i.RI&&!0===(0,n.gD)(e,"privacy.cookies_enabled")},425:(e,t,r)=>{"use strict";r.d(t,{j:()=>j});var n=r(860),i=r(2555),o=r(3371),a=r(9908),s=r(7836),c=r(1687),u=r(5289),d=r(6154),l=r(944),f=r(3969),h=r(384),p=r(6344);const g=["setErrorHandler","finished","addToTrace","addRelease","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId","setApplicationVersion","start",p.G4.RECORD,p.G4.PAUSE,"log","wrapLogger"],m=["setErrorHandler","finished","addToTrace","addRelease"];var v=r(1863),b=r(2614),y=r(993),w=r(3785),R=r(2646),x=r(3434);function T(e,t,r,n){if("object"!=typeof t||!t||"string"!=typeof r||!r||"function"!=typeof t[r])return(0,l.R)(29);const i=function(e){return(e||s.ee).get("logger")}(e),o=(0,x.YM)(i),a=new R.y(s.P);return a.level=n.level,a.customAttributes=n.customAttributes,o.inPlace(t,[r],"wrap-logger-",a),i}function A(){const e=(0,h.pV)();g.forEach((t=>{e[t]=(...r)=>function(t,...r){let n=[];return Object.values(e.initializedAgents).forEach((e=>{e&&e.api?e.exposed&&e.api[t]&&n.push(e.api[t](...r)):(0,l.R)(38,t)})),n.length>1?n:n[0]}(t,...r)}))}const E={};var S=r(9417),N=r(5603),O=r(5284);const _=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let I=!1;function j(e,t={},g,R){let{init:x,info:j,loader_config:P,runtime:C={},exposed:k=!0}=t;C.loaderType=g;const L=(0,h.pV)();j||(x=L.init,j=L.info,P=L.loader_config),(0,S.xN)(e.agentIdentifier,x||{}),(0,N.a)(e.agentIdentifier,P||{}),j.jsAttributes??={},d.bv&&(j.jsAttributes.isWorker=!0),(0,i.x1)(e.agentIdentifier,j);const H=(0,S.D0)(e.agentIdentifier),D=[j.beacon,j.errorBeacon];I||(H.proxy.assets&&(_(H.proxy.assets),D.push(H.proxy.assets)),H.proxy.beacon&&D.push(H.proxy.beacon),A(),(0,h.US)("activatedFeatures",O.B),e.runSoftNavOverSpa&&=!0===H.soft_navigations.enabled&&H.feature_flags.includes("soft_nav")),C.denyList=[...H.ajax.deny_list||[],...H.ajax.block_internal?D:[]],C.ptid=e.agentIdentifier,(0,o.V)(e.agentIdentifier,C),e.ee=s.ee.get(e.agentIdentifier),void 0===e.api&&(e.api=function(e,t,h=!1){t||(0,c.Ak)(e,"api");const g={};var R=s.ee.get(e),x=R.get("tracer");E[e]=b.g.OFF,R.on(p.G4.REPLAY_RUNNING,(t=>{E[e]=t}));var A="api-",S=A+"ixn-";function N(t,r,n,o){const a=(0,i.Vp)(e);return null===r?delete a.jsAttributes[t]:(0,i.x1)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),I(A,n,!0,o||null===r?"session":void 0)(t,r)}function O(){}g.log=function(e,{customAttributes:t={},level:r=y.p_.INFO}={}){(0,a.p)(f.xV,["API/log/called"],void 0,n.K7.metrics,R),(0,w.R)(R,e,t,r)},g.wrapLogger=(e,t,{customAttributes:r={},level:i=y.p_.INFO}={})=>{(0,a.p)(f.xV,["API/wrapLogger/called"],void 0,n.K7.metrics,R),T(R,e,t,{customAttributes:r,level:i})},m.forEach((e=>{g[e]=I(A,e,!0,"api")})),g.addPageAction=I(A,"addPageAction",!0,n.K7.genericEvents),g.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,o.f)(e).customTransaction=(r||"http://custom.transaction")+t,I(A,"setPageViewName",!0)()},g.setCustomAttribute=function(e,t,r=!1){if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return N(e,t,"setCustomAttribute",r);(0,l.R)(40,typeof t)}else(0,l.R)(39,typeof e)},g.setUserId=function(e){if("string"==typeof e||null===e)return N("enduser.id",e,"setUserId",!0);(0,l.R)(41,typeof e)},g.setApplicationVersion=function(e){if("string"==typeof e||null===e)return N("application.version",e,"setApplicationVersion",!1);(0,l.R)(42,typeof e)},g.start=()=>{try{(0,a.p)(f.xV,["API/start/called"],void 0,n.K7.metrics,R),R.emit("manual-start-all")}catch(e){(0,l.R)(23,e)}},g[p.G4.RECORD]=function(){(0,a.p)(f.xV,["API/recordReplay/called"],void 0,n.K7.metrics,R),(0,a.p)(p.G4.RECORD,[],void 0,n.K7.sessionReplay,R)},g[p.G4.PAUSE]=function(){(0,a.p)(f.xV,["API/pauseReplay/called"],void 0,n.K7.metrics,R),(0,a.p)(p.G4.PAUSE,[],void 0,n.K7.sessionReplay,R)},g.interaction=function(e){return(new O).get("object"==typeof e?e:{})};const _=O.prototype={createTracer:function(e,t){var r={},i=this,o="function"==typeof t;return(0,a.p)(f.xV,["API/createTracer/called"],void 0,n.K7.metrics,R),h||(0,a.p)(S+"tracer",[(0,v.t)(),e,r],i,n.K7.spa,R),function(){if(x.emit((o?"":"no-")+"fn-start",[(0,v.t)(),i,o],r),o)try{return t.apply(this,arguments)}catch(e){const t="string"==typeof e?new Error(e):e;throw x.emit("fn-err",[arguments,this,t],r),t}finally{x.emit("fn-end",[(0,v.t)()],r)}}}};function I(e,t,r,i){return function(){return(0,a.p)(f.xV,["API/"+t+"/called"],void 0,n.K7.metrics,R),i&&(0,a.p)(e+t,[(0,v.t)(),...arguments],r?null:this,i,R),r?void 0:this}}function j(){r.e(478).then(r.bind(r,8778)).then((({setAPI:t})=>{t(e),(0,c.Ze)(e,"api")})).catch((e=>{(0,l.R)(27,e),R.abort()}))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{_[e]=I(S,e,void 0,h?n.K7.softNav:n.K7.spa)})),g.setCurrentRouteName=h?I(S,"routeName",void 0,n.K7.softNav):I(A,"routeName",!0,n.K7.spa),g.noticeError=function(t,r){"string"==typeof t&&(t=new Error(t)),(0,a.p)(f.xV,["API/noticeError/called"],void 0,n.K7.metrics,R),(0,a.p)("err",[t,(0,v.t)(),!1,r,!!E[e]],void 0,n.K7.jserrors,R)},d.RI?(0,u.GG)((()=>j()),!0):j(),g}(e.agentIdentifier,R,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=k),I=!0}},8374:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return""})()},860:(e,t,r)=>{"use strict";r.d(t,{$J:()=>o,K7:()=>n,P3:()=>i});const n={ajax:"ajax",genericEvents:"generic_events",jserrors:"jserrors",logging:"logging",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",softNav:"soft_navigations",spa:"spa"},i={[n.pageViewEvent]:1,[n.pageViewTiming]:2,[n.metrics]:3,[n.jserrors]:4,[n.spa]:5,[n.ajax]:6,[n.sessionTrace]:7,[n.softNav]:8,[n.sessionReplay]:9,[n.logging]:10,[n.genericEvents]:11},o={[n.pageViewTiming]:"events",[n.ajax]:"events",[n.spa]:"events",[n.softNav]:"events",[n.metrics]:"jserrors",[n.jserrors]:"jserrors",[n.sessionTrace]:"browser/blobs",[n.sessionReplay]:"browser/blobs",[n.logging]:"browser/logs",[n.genericEvents]:"ins"}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>({212:"nr-spa-compressor",249:"nr-spa-recorder",478:"nr-spa"}[e]+"-1.273.1.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.273.1.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),d=0;d<u.length;d++){var l=u[d];if(l.getAttribute("src")==r||l.getAttribute("data-webpack")==t+o){s=l;break}}if(!s){c=!0;var f={478:"sha512-02Ykcrpzl4JvQ46re8YJcnOVT3PxJCiTwfiL6aPZ2Ce7bZJInb/7qwgqIIAmR9aO9iwRgYvkoqf5ev3ruaVCuw==",249:"sha512-ocbOXB0TUR2dpjE3aDOxqG2Vwgm7dGpbh16ElRyIKdoOZ+hdWyLWTroPOXbKKDCIeuBxV/wqwP5GCsG4LcTIwg==",212:"sha512-h3ZE1xdptNoj1oit85fWuIlHnVTAxhnoiIExHWaR5ZLpsLLs6DWnff4Gxsay38jNSZqGVAjeuFpbPzwxzrAfjA=="};(s=document.createElement("script")).charset="utf-8",s.timeout=120,i.nc&&s.setAttribute("nonce",i.nc),s.setAttribute("data-webpack",t+o),s.src=r,0!==s.src.indexOf(window.location.origin+"/")&&(s.crossOrigin="anonymous"),f[a]&&(s.integrity=f[a])}e[r]=[n];var h=(t,n)=>{s.onerror=s.onload=null,clearTimeout(p);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},p=setTimeout(h.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=h.bind(null,s.onerror),s.onload=h.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.p="https://js-agent.newrelic.com/",(()=>{var e={38:0,788:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u<a.length;u++)o=a[u],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.273.1.PROD"]=self["webpackChunk:NRBA-1.273.1.PROD"]||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))})(),(()=>{"use strict";i(8374);var e=i(944),t=i(6344),r=i(9566);class n{agentIdentifier;constructor(e=(0,r.LA)(16)){this.agentIdentifier=e}#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}addPageAction(e,t){return this.#e("addPageAction",e,t)}setPageViewName(e,t){return this.#e("setPageViewName",e,t)}setCustomAttribute(e,t,r){return this.#e("setCustomAttribute",e,t,r)}noticeError(e,t){return this.#e("noticeError",e,t)}setUserId(e){return this.#e("setUserId",e)}setApplicationVersion(e){return this.#e("setApplicationVersion",e)}setErrorHandler(e){return this.#e("setErrorHandler",e)}addRelease(e,t){return this.#e("addRelease",e,t)}log(e,t){return this.#e("log",e,t)}}class o extends n{#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}start(){return this.#e("start")}finished(e){return this.#e("finished",e)}recordReplay(){return this.#e(t.G4.RECORD)}pauseReplay(){return this.#e(t.G4.PAUSE)}addToTrace(e){return this.#e("addToTrace",e)}setCurrentRouteName(e){return this.#e("setCurrentRouteName",e)}interaction(){return this.#e("interaction")}wrapLogger(e,t,r){return this.#e("wrapLogger",e,t,r)}}var a=i(860),s=i(9417);const c=Object.values(a.K7);function u(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.gD)(t,"".concat(e,".enabled"))}(r,e)})),t}var d=i(425);var l=i(1687),f=i(4234),h=i(5289),p=i(6154),g=i(5270),m=i(7767),v=i(6389);class b extends f.W{constructor(e,t,r=!0){super(e.agentIdentifier,t),this.auto=r,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===e.init[this.featureName].autoStart&&(this.auto=!1),this.auto?(0,l.Ak)(e.agentIdentifier,t):this.ee.on("manual-start-all",(0,v.J)((()=>{(0,l.Ak)(e.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator(e)})))}importAggregator(t,r={}){if(this.featAggregate||!this.auto)return;let n;this.onAggregateImported=new Promise((e=>{n=e}));const o=async()=>{let o;try{if((0,m.V)(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(478).then(i.bind(i,6526));o=e(t)}}catch(t){(0,e.R)(20,t),this.ee.emit("internal-error",[t]),this.featureName===a.K7.sessionReplay&&this.abortHandler?.()}try{if(t.sharedAggregator)await t.sharedAggregator;else{t.sharedAggregator=i.e(478).then(i.bind(i,9337));const{EventAggregator:e}=await t.sharedAggregator;t.sharedAggregator=new e}if(!this.#t(this.featureName,o))return(0,l.Ze)(this.agentIdentifier,this.featureName),void n(!1);const{lazyFeatureLoader:e}=await i.e(478).then(i.bind(i,6103)),{Aggregate:a}=await e(this.featureName,"aggregate");this.featAggregate=new a(t,r),n(!0)}catch(t){(0,e.R)(34,t),this.abortHandler?.(),(0,l.Ze)(this.agentIdentifier,this.featureName,!0),n(!1),this.ee&&this.ee.abort()}};p.RI?(0,h.GG)((()=>o()),!0):o()}#t(e,t){switch(e){case a.K7.sessionReplay:return(0,g.SR)(this.agentIdentifier)&&!!t;case a.K7.sessionTrace:return!!t;default:return!0}}}var y=i(6630);class w extends b{static featureName=y.T;constructor(e,t=!0){super(e,y.T,t),this.importAggregator(e)}}var R=i(384);var x=i(9908),T=i(2843),A=i(3878),E=i(782),S=i(1863);class N extends b{static featureName=E.T;constructor(e,t=!0){super(e,E.T,t),p.RI&&((0,T.u)((()=>(0,x.p)("docHidden",[(0,S.t)()],void 0,E.T,this.ee)),!0),(0,A.sp)("pagehide",(()=>(0,x.p)("winPagehide",[(0,S.t)()],void 0,E.T,this.ee))),this.importAggregator(e))}}var O=i(3969);class _ extends b{static featureName=O.TZ;constructor(e,t=!0){super(e,O.TZ,t),this.importAggregator(e)}}var I=i(6774),j=i(3304);class P{constructor(e,t,r,n,i){this.name="UncaughtError",this.message="string"==typeof e?e:(0,j.A)(e),this.sourceURL=t,this.line=r,this.column=n,this.__newrelic=i}}function C(e){return H(e)?e:new P(void 0!==e?.message?e.message:e,e?.filename||e?.sourceURL,e?.lineno||e?.line,e?.colno||e?.col,e?.__newrelic)}function k(e){const t="Unhandled Promise Rejection";if(!e?.reason)return;if(H(e.reason))try{return e.reason.message=t+": "+e.reason.message,C(e.reason)}catch(t){return C(e.reason)}const r=C(e.reason);return r.message=t+": "+r?.message,r}function L(e){if(e.error instanceof SyntaxError&&!/:\d+$/.test(e.error.stack?.trim())){const t=new P(e.message,e.filename,e.lineno,e.colno,e.error.__newrelic);return t.name=SyntaxError.name,t}return H(e.error)?e.error:C(e)}function H(e){return e instanceof Error&&!!e.stack}class D extends b{static featureName=I.T;#r=!1;constructor(e,r=!0){super(e,I.T,r);try{this.removeOnAbort=new AbortController}catch(e){}this.ee.on("internal-error",(e=>{this.abortHandler&&(0,x.p)("ierr",[C(e),(0,S.t)(),!0,{},this.#r],void 0,this.featureName,this.ee)})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.#r=e})),p.gm.addEventListener("unhandledrejection",(e=>{this.abortHandler&&(0,x.p)("err",[k(e),(0,S.t)(),!1,{unhandledPromiseRejection:1},this.#r],void 0,this.featureName,this.ee)}),(0,A.jT)(!1,this.removeOnAbort?.signal)),p.gm.addEventListener("error",(e=>{this.abortHandler&&(0,x.p)("err",[L(e),(0,S.t)(),!1,{},this.#r],void 0,this.featureName,this.ee)}),(0,A.jT)(!1,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var M=i(8990);let K=1;const U="nr@id";function V(e){const t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===p.gm?0:(0,M.I)(e,U,(function(){return K++}))}function G(e){if("string"==typeof e&&e.length)return e.length;if("object"==typeof e){if("undefined"!=typeof ArrayBuffer&&e instanceof ArrayBuffer&&e.byteLength)return e.byteLength;if("undefined"!=typeof Blob&&e instanceof Blob&&e.size)return e.size;if(!("undefined"!=typeof FormData&&e instanceof FormData))try{return(0,j.A)(e).length}catch(e){return}}}var F=i(8139),B=i(7836),W=i(3434);const z={},q=["open","send"];function Z(t){var r=t||B.ee;const n=function(e){return(e||B.ee).get("xhr")}(r);if(z[n.debugId]++)return n;z[n.debugId]=1,(0,F.u)(r);var i=(0,W.YM)(n),o=p.gm.XMLHttpRequest,a=p.gm.MutationObserver,s=p.gm.Promise,c=p.gm.setInterval,u="readystatechange",d=["onload","onerror","onabort","onloadstart","onloadend","onprogress","ontimeout"],l=[],f=p.gm.XMLHttpRequest=function(t){const r=new o(t),a=n.context(r);try{n.emit("new-xhr",[r],a),r.addEventListener(u,(s=a,function(){var e=this;e.readyState>3&&!s.resolved&&(s.resolved=!0,n.emit("xhr-resolved",[],e)),i.inPlace(e,d,"fn-",y)}),(0,A.jT)(!1))}catch(t){(0,e.R)(15,t);try{n.emit("internal-error",[t])}catch(e){}}var s;return r};function h(e,t){i.inPlace(t,["onreadystatechange"],"fn-",y)}if(function(e,t){for(var r in e)t[r]=e[r]}(o,f),f.prototype=o.prototype,i.inPlace(f.prototype,q,"-xhr-",y),n.on("send-xhr-start",(function(e,t){h(e,t),function(e){l.push(e),a&&(g?g.then(b):c?c(b):(m=-m,v.data=m))}(t)})),n.on("open-xhr-start",h),a){var g=s&&s.resolve();if(!c&&!s){var m=1,v=document.createTextNode(m);new a(b).observe(v,{characterData:!0})}}else r.on("fn-end",(function(e){e[0]&&e[0].type===u||b()}));function b(){for(var e=0;e<l.length;e++)h(0,l[e]);l.length&&(l=[])}function y(e,t){return t}return n}var Y="fetch-",X=Y+"body-",J=["arrayBuffer","blob","json","text","formData"],Q=p.gm.Request,ee=p.gm.Response,te="prototype";const re={};function ne(e){const t=function(e){return(e||B.ee).get("fetch")}(e);if(!(Q&&ee&&p.gm.fetch))return t;if(re[t.debugId]++)return t;function r(e,r,n){var i=e[r];"function"==typeof i&&(e[r]=function(){var e,r=[...arguments],o={};t.emit(n+"before-start",[r],o),o[B.P]&&o[B.P].dt&&(e=o[B.P].dt);var a=i.apply(this,r);return t.emit(n+"start",[r,e],a),a.then((function(e){return t.emit(n+"end",[null,e],a),e}),(function(e){throw t.emit(n+"end",[e],a),e}))})}return re[t.debugId]=1,J.forEach((e=>{r(Q[te],e,X),r(ee[te],e,X)})),r(p.gm,"fetch",Y),t.on(Y+"end",(function(e,r){var n=this;if(r){var i=r.headers.get("content-length");null!==i&&(n.rxSize=i),t.emit(Y+"done",[null,r],n)}else t.emit(Y+"done",[e],n)})),t}var ie=i(7485),oe=i(5603);class ae{constructor(e){this.agentIdentifier=e}generateTracePayload(e){if(!this.shouldGenerateTrace(e))return null;var t=(0,oe.o)(this.agentIdentifier);if(!t)return null;var n=(t.accountID||"").toString()||null,i=(t.agentID||"").toString()||null,o=(t.trustKey||"").toString()||null;if(!n||!i)return null;var a=(0,r.ZF)(),s=(0,r.el)(),c=Date.now(),u={spanId:a,traceId:s,timestamp:c};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(u.traceContextParentHeader=this.generateTraceContextParentHeader(a,s),u.traceContextStateHeader=this.generateTraceContextStateHeader(a,c,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(u.newrelicHeader=this.generateTraceHeader(a,s,c,n,i,o)),u}generateTraceContextParentHeader(e,t){return"00-"+t+"-"+e+"-01"}generateTraceContextStateHeader(e,t,r,n,i){return i+"@nr=0-1-"+r+"-"+n+"-"+e+"----"+t}generateTraceHeader(e,t,r,n,i,o){if(!("function"==typeof p.gm?.btoa))return null;var a={v:[0,1],d:{ty:"Browser",ac:n,ap:i,id:e,tr:t,ti:r}};return o&&n!==o&&(a.d.tk=o),btoa((0,j.A)(a))}shouldGenerateTrace(e){return this.isDtEnabled()&&this.isAllowedOrigin(e)}isAllowedOrigin(e){var t=!1,r={};if((0,s.gD)(this.agentIdentifier,"distributed_tracing")&&(r=(0,s.D0)(this.agentIdentifier).distributed_tracing),e.sameOrigin)t=!0;else if(r.allowed_origins instanceof Array)for(var n=0;n<r.allowed_origins.length;n++){var i=(0,ie.D)(r.allowed_origins[n]);if(e.hostname===i.hostname&&e.protocol===i.protocol&&e.port===i.port){t=!0;break}}return t}isDtEnabled(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.enabled}excludeNewrelicHeader(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.exclude_newrelic_header}useNewrelicHeaderForCors(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!1!==e.cors_use_newrelic_header}useTraceContextHeadersForCors(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.cors_use_tracecontext_headers}}var se=i(9300),ce=i(7295),ue=["load","error","abort","timeout"],de=ue.length,le=(0,R.dV)().o.REQ,fe=(0,R.dV)().o.XHR;class he extends b{static featureName=se.T;constructor(e,t=!0){super(e,se.T,t),this.dt=new ae(e.agentIdentifier),this.handler=(e,t,r,n)=>(0,x.p)(e,t,r,n,this.ee);try{const e={xmlhttprequest:"xhr",fetch:"fetch",beacon:"beacon"};p.gm?.performance?.getEntriesByType("resource").forEach((t=>{if(t.initiatorType in e&&0!==t.responseStatus){const r={status:t.responseStatus},n={rxSize:t.transferSize,duration:Math.floor(t.duration),cbTime:0};pe(r,t.name),this.handler("xhr",[r,n,t.startTime,t.responseEnd,e[t.initiatorType]],void 0,a.K7.ajax)}}))}catch(e){}ne(this.ee),Z(this.ee),function(e,t,r,n){function i(e){var t=this;t.totalCbs=0,t.called=0,t.cbTime=0,t.end=R,t.ended=!1,t.xhrGuids={},t.lastSize=null,t.loadCaptureCalled=!1,t.params=this.params||{},t.metrics=this.metrics||{},e.addEventListener("load",(function(r){T(t,e)}),(0,A.jT)(!1)),p.lR||e.addEventListener("progress",(function(e){t.lastSize=e.loaded}),(0,A.jT)(!1))}function o(e){this.params={method:e[0]},pe(this,e[1]),this.metrics={}}function s(t,r){e.loader_config.xpid&&this.sameOrigin&&r.setRequestHeader("X-NewRelic-ID",e.loader_config.xpid);var i=n.generateTracePayload(this.parsedOrigin);if(i){var o=!1;i.newrelicHeader&&(r.setRequestHeader("newrelic",i.newrelicHeader),o=!0),i.traceContextParentHeader&&(r.setRequestHeader("traceparent",i.traceContextParentHeader),i.traceContextStateHeader&&r.setRequestHeader("tracestate",i.traceContextStateHeader),o=!0),o&&(this.dt=i)}}function c(e,r){var n=this.metrics,i=e[0],o=this;if(n&&i){var a=G(i);a&&(n.txSize=a)}this.startTime=(0,S.t)(),this.body=i,this.listener=function(e){try{"abort"!==e.type||o.loadCaptureCalled||(o.params.aborted=!0),("load"!==e.type||o.called===o.totalCbs&&(o.onloadCalled||"function"!=typeof r.onload)&&"function"==typeof o.end)&&o.end(r)}catch(e){try{t.emit("internal-error",[e])}catch(e){}}};for(var s=0;s<de;s++)r.addEventListener(ue[s],this.listener,(0,A.jT)(!1))}function u(e,t,r){this.cbTime+=e,t?this.onloadCalled=!0:this.called+=1,this.called!==this.totalCbs||!this.onloadCalled&&"function"==typeof r.onload||"function"!=typeof this.end||this.end(r)}function d(e,t){var r=""+V(e)+!!t;this.xhrGuids&&!this.xhrGuids[r]&&(this.xhrGuids[r]=!0,this.totalCbs+=1)}function l(e,t){var r=""+V(e)+!!t;this.xhrGuids&&this.xhrGuids[r]&&(delete this.xhrGuids[r],this.totalCbs-=1)}function f(){this.endTime=(0,S.t)()}function h(e,r){r instanceof fe&&"load"===e[0]&&t.emit("xhr-load-added",[e[1],e[2]],r)}function g(e,r){r instanceof fe&&"load"===e[0]&&t.emit("xhr-load-removed",[e[1],e[2]],r)}function m(e,t,r){t instanceof fe&&("onload"===r&&(this.onload=!0),("load"===(e[0]&&e[0].type)||this.onload)&&(this.xhrCbStart=(0,S.t)()))}function v(e,r){this.xhrCbStart&&t.emit("xhr-cb-time",[(0,S.t)()-this.xhrCbStart,this.onload,r],r)}function b(e){var t,r=e[1]||{};if("string"==typeof e[0]?0===(t=e[0]).length&&p.RI&&(t=""+p.gm.location.href):e[0]&&e[0].url?t=e[0].url:p.gm?.URL&&e[0]&&e[0]instanceof URL?t=e[0].href:"function"==typeof e[0].toString&&(t=e[0].toString()),"string"==typeof t&&0!==t.length){t&&(this.parsedOrigin=(0,ie.D)(t),this.sameOrigin=this.parsedOrigin.sameOrigin);var i=n.generateTracePayload(this.parsedOrigin);if(i&&(i.newrelicHeader||i.traceContextParentHeader))if(e[0]&&e[0].headers)s(e[0].headers,i)&&(this.dt=i);else{var o={};for(var a in r)o[a]=r[a];o.headers=new Headers(r.headers||{}),s(o.headers,i)&&(this.dt=i),e.length>1?e[1]=o:e.push(o)}}function s(e,t){var r=!1;return t.newrelicHeader&&(e.set("newrelic",t.newrelicHeader),r=!0),t.traceContextParentHeader&&(e.set("traceparent",t.traceContextParentHeader),t.traceContextStateHeader&&e.set("tracestate",t.traceContextStateHeader),r=!0),r}}function y(e,t){this.params={},this.metrics={},this.startTime=(0,S.t)(),this.dt=t,e.length>=1&&(this.target=e[0]),e.length>=2&&(this.opts=e[1]);var r,n=this.opts||{},i=this.target;"string"==typeof i?r=i:"object"==typeof i&&i instanceof le?r=i.url:p.gm?.URL&&"object"==typeof i&&i instanceof URL&&(r=i.href),pe(this,r);var o=(""+(i&&i instanceof le&&i.method||n.method||"GET")).toUpperCase();this.params.method=o,this.body=n.body,this.txSize=G(n.body)||0}function w(e,t){if(this.endTime=(0,S.t)(),this.params||(this.params={}),(0,ce.iW)(this.params))return;let n;this.params.status=t?t.status:0,"string"==typeof this.rxSize&&this.rxSize.length>0&&(n=+this.rxSize);const i={txSize:this.txSize,rxSize:n,duration:(0,S.t)()-this.startTime};r("xhr",[this.params,i,this.startTime,this.endTime,"fetch"],this,a.K7.ajax)}function R(e){const t=this.params,n=this.metrics;if(!this.ended){this.ended=!0;for(let t=0;t<de;t++)e.removeEventListener(ue[t],this.listener,!1);t.aborted||(0,ce.iW)(t)||(n.duration=(0,S.t)()-this.startTime,this.loadCazptureCalled||4!==e.readyState?null==t.status&&(t.status=0):T(this,e),n.cbTime=this.cbTime,r("xhr",[t,n,this.startTime,this.endTime,"xhr"],this,a.K7.ajax))}}function T(e,r){e.params.status=r.status;var n=function(e,t){var r=e.responseType;return"json"===r&&null!==t?t:"arraybuffer"===r||"blob"===r||"json"===r?G(e.response):"text"===r||""===r||void 0===r?G(e.responseText):void 0}(r,e.lastSize);if(n&&(e.metrics.rxSize=n),e.sameOrigin){var i=r.getResponseHeader("X-NewRelic-App-Data");i&&((0,x.p)(O.rs,["Ajax/CrossApplicationTracing/Header/Seen"],void 0,a.K7.metrics,t),e.params.cat=i.split(", ").pop())}e.loadCaptureCalled=!0}t.on("new-xhr",i),t.on("open-xhr-start",o),t.on("open-xhr-end",s),t.on("send-xhr-start",c),t.on("xhr-cb-time",u),t.on("xhr-load-added",d),t.on("xhr-load-removed",l),t.on("xhr-resolved",f),t.on("addEventListener-end",h),t.on("removeEventListener-end",g),t.on("fn-end",v),t.on("fetch-before-start",b),t.on("fetch-start",y),t.on("fn-start",m),t.on("fetch-done",w)}(e,this.ee,this.handler,this.dt),this.importAggregator(e)}}function pe(e,t){var r=(0,ie.D)(t),n=e.params||e;n.hostname=r.hostname,n.port=r.port,n.protocol=r.protocol,n.host=r.hostname+":"+r.port,n.pathname=r.pathname,e.parsedOrigin=r,e.sameOrigin=r.sameOrigin}const ge={},me=["pushState","replaceState"];function ve(e){const t=function(e){return(e||B.ee).get("history")}(e);return!p.RI||ge[t.debugId]++||(ge[t.debugId]=1,(0,W.YM)(t).inPlace(window.history,me,"-")),t}var be=i(3738);const{He:ye,bD:we,d3:Re,Kp:xe,TZ:Te,Lc:Ae,uP:Ee,Rz:Se}=be;class Ne extends b{static featureName=Te;constructor(e,t=!0){super(e,Te,t);if(!(0,m.V)(this.agentIdentifier))return void this.deregisterDrain();const r=this.ee;let n;ve(r),this.eventsEE=(0,F.u)(r),this.eventsEE.on(Ee,(function(e,t){this.bstStart=(0,S.t)()})),this.eventsEE.on(Ae,(function(e,t){(0,x.p)("bst",[e[0],t,this.bstStart,(0,S.t)()],void 0,a.K7.sessionTrace,r)})),r.on(Se+Re,(function(e){this.time=(0,S.t)(),this.startPath=location.pathname+location.hash})),r.on(Se+xe,(function(e){(0,x.p)("bstHist",[location.pathname+location.hash,this.startPath,this.time],void 0,a.K7.sessionTrace,r)}));try{n=new PerformanceObserver((e=>{const t=e.getEntries();(0,x.p)(ye,[t],void 0,a.K7.sessionTrace,r)})),n.observe({type:we,buffered:!0})}catch(e){}this.importAggregator(e,{resourceObserver:n})}}var Oe=i(2614);class _e extends b{static featureName=t.TZ;#i;#o;constructor(e,r=!0){let n;super(e,t.TZ,r),this.replayRunning=!1,this.#o=e;try{n=JSON.parse(localStorage.getItem("".concat(Oe.H3,"_").concat(Oe.uh)))}catch(e){}(0,g.SR)(e.agentIdentifier)&&this.ee.on(t.G4.RECORD,(()=>this.#a())),this.#s(n)?(this.#i=n?.sessionReplayMode,this.#c()):this.importAggregator(e),this.ee.on("err",(e=>{this.replayRunning&&(this.errorNoticed=!0,(0,x.p)(t.G4.ERROR_DURING_REPLAY,[e],void 0,this.featureName,this.ee))})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.replayRunning=e}))}#s(e){return e&&(e.sessionReplayMode===Oe.g.FULL||e.sessionReplayMode===Oe.g.ERROR)||(0,g.Aw)(this.agentIdentifier)}#u=!1;async#c(e){if(!this.#u){this.#u=!0;try{const{Recorder:t}=await Promise.all([i.e(478),i.e(249)]).then(i.bind(i,2496));this.recorder??=new t({mode:this.#i,agentIdentifier:this.agentIdentifier,trigger:e,ee:this.ee}),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording}catch(e){}this.importAggregator(this.#o,{recorder:this.recorder,errorNoticed:this.errorNoticed})}}#a(){this.featAggregate?this.featAggregate.mode!==Oe.g.FULL&&this.featAggregate.initializeRecording(Oe.g.FULL,!0):(this.#i=Oe.g.FULL,this.#c(t.Qb.API),this.recorder&&this.recorder.parent.mode!==Oe.g.FULL&&(this.recorder.parent.mode=Oe.g.FULL,this.recorder.stopRecording(),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording))}}var Ie=i(3962);class je extends b{static featureName=Ie.TZ;constructor(e,t=!0){if(super(e,Ie.TZ,t),!p.RI||!(0,R.dV)().o.MO)return;const r=ve(this.ee);Ie.tC.forEach((e=>{(0,A.sp)(e,(e=>{a(e)}),!0)}));const n=()=>(0,x.p)("newURL",[(0,S.t)(),""+window.location],void 0,this.featureName,this.ee);r.on("pushState-end",n),r.on("replaceState-end",n);try{this.removeOnAbort=new AbortController}catch(e){}(0,A.sp)("popstate",(e=>(0,x.p)("newURL",[e.timeStamp,""+window.location],void 0,this.featureName,this.ee)),!0,this.removeOnAbort?.signal);let i=!1;const o=new((0,R.dV)().o.MO)(((e,t)=>{i||(i=!0,requestAnimationFrame((()=>{(0,x.p)("newDom",[(0,S.t)()],void 0,this.featureName,this.ee),i=!1})))})),a=(0,v.s)((e=>{(0,x.p)("newUIEvent",[e],void 0,this.featureName,this.ee),o.observe(document.body,{attributes:!0,childList:!0,subtree:!0,characterData:!0})}),100,{leading:!0});this.abortHandler=function(){this.removeOnAbort?.abort(),o.disconnect(),this.abortHandler=void 0},this.importAggregator(e,{domObserver:o})}}var Pe=i(7378);const Ce={},ke=["appendChild","insertBefore","replaceChild"];function Le(e){const t=function(e){return(e||B.ee).get("jsonp")}(e);if(!p.RI||Ce[t.debugId])return t;Ce[t.debugId]=!0;var r=(0,W.YM)(t),n=/[?&](?:callback|cb)=([^&#]+)/,i=/(.*)\.([^.]+)/,o=/^(\w+)(\.|$)(.*)$/;function a(e,t){if(!e)return t;const r=e.match(o),n=r[1];return a(r[3],t[n])}return r.inPlace(Node.prototype,ke,"dom-"),t.on("dom-start",(function(e){!function(e){if(!e||"string"!=typeof e.nodeName||"script"!==e.nodeName.toLowerCase())return;if("function"!=typeof e.addEventListener)return;var o=(s=e.src,c=s.match(n),c?c[1]:null);var s,c;if(!o)return;var u=function(e){var t=e.match(i);if(t&&t.length>=3)return{key:t[2],parent:a(t[1],window)};return{key:e,parent:window}}(o);if("function"!=typeof u.parent[u.key])return;var d={};function l(){t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,A.jT)(!1)),e.removeEventListener("error",f,(0,A.jT)(!1))}function f(){t.emit("jsonp-error",[],d),t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,A.jT)(!1)),e.removeEventListener("error",f,(0,A.jT)(!1))}r.inPlace(u.parent,[u.key],"cb-",d),e.addEventListener("load",l,(0,A.jT)(!1)),e.addEventListener("error",f,(0,A.jT)(!1)),t.emit("new-jsonp",[e.src],d)}(e[0])})),t}const He={};function De(e){const t=function(e){return(e||B.ee).get("promise")}(e);if(He[t.debugId])return t;He[t.debugId]=!0;var r=t.context,n=(0,W.YM)(t),i=p.gm.Promise;return i&&function(){function e(r){var o=t.context(),a=n(r,"executor-",o,null,!1);const s=Reflect.construct(i,[a],e);return t.context(s).getCtx=function(){return o},s}p.gm.Promise=e,Object.defineProperty(e,"name",{value:"Promise"}),e.toString=function(){return i.toString()},Object.setPrototypeOf(e,i),["all","race"].forEach((function(r){const n=i[r];e[r]=function(e){let i=!1;[...e||[]].forEach((e=>{this.resolve(e).then(a("all"===r),a(!1))}));const o=n.apply(this,arguments);return o;function a(e){return function(){t.emit("propagate",[null,!i],o,!1,!1),i=i||!e}}}})),["resolve","reject"].forEach((function(r){const n=i[r];e[r]=function(e){const r=n.apply(this,arguments);return e!==r&&t.emit("propagate",[e,!0],r,!1,!1),r}})),e.prototype=i.prototype;const o=i.prototype.then;i.prototype.then=function(...e){var i=this,a=r(i);a.promise=i,e[0]=n(e[0],"cb-",a,null,!1),e[1]=n(e[1],"cb-",a,null,!1);const s=o.apply(this,e);return a.nextPromise=s,t.emit("propagate",[i,!0],s,!1,!1),s},i.prototype.then[W.Jt]=o,t.on("executor-start",(function(e){e[0]=n(e[0],"resolve-",this,null,!1),e[1]=n(e[1],"resolve-",this,null,!1)})),t.on("executor-err",(function(e,t,r){e[1](r)})),t.on("cb-end",(function(e,r,n){t.emit("propagate",[n,!0],this.nextPromise,!1,!1)})),t.on("propagate",(function(e,r,n){this.getCtx&&!r||(this.getCtx=function(){if(e instanceof Promise)var r=t.context(e);return r&&r.getCtx?r.getCtx():this})}))}(),t}const Me={},Ke="setTimeout",Ue="setInterval",Ve="clearTimeout",Ge="-start",Fe=[Ke,"setImmediate",Ue,Ve,"clearImmediate"];function Be(e){const t=function(e){return(e||B.ee).get("timer")}(e);if(Me[t.debugId]++)return t;Me[t.debugId]=1;var r=(0,W.YM)(t);return r.inPlace(p.gm,Fe.slice(0,2),Ke+"-"),r.inPlace(p.gm,Fe.slice(2,3),Ue+"-"),r.inPlace(p.gm,Fe.slice(3),Ve+"-"),t.on(Ue+Ge,(function(e,t,n){e[0]=r(e[0],"fn-",null,n)})),t.on(Ke+Ge,(function(e,t,n){this.method=n,this.timerDuration=isNaN(e[1])?0:+e[1],e[0]=r(e[0],"fn-",this,n)})),t}const We={};function ze(e){const t=function(e){return(e||B.ee).get("mutation")}(e);if(!p.RI||We[t.debugId])return t;We[t.debugId]=!0;var r=(0,W.YM)(t),n=p.gm.MutationObserver;return n&&(window.MutationObserver=function(e){return this instanceof n?new n(r(e,"fn-")):n.apply(this,arguments)},MutationObserver.prototype=n.prototype),t}const{TZ:qe,d3:Ze,Kp:Ye,$p:Xe,wW:Je,e5:Qe,tH:$e,uP:et,rw:tt,Lc:rt}=Pe;class nt extends b{static featureName=qe;constructor(e,t=!0){if(super(e,qe,t),!p.RI)return;try{this.removeOnAbort=new AbortController}catch(e){}let r,n=0;const i=this.ee.get("tracer"),o=Le(this.ee),a=De(this.ee),s=Be(this.ee),c=Z(this.ee),u=this.ee.get("events"),d=ne(this.ee),l=ve(this.ee),f=ze(this.ee);function h(e,t){l.emit("newURL",[""+window.location,t])}function g(){n++,r=window.location.hash,this[et]=(0,S.t)()}function m(){n--,window.location.hash!==r&&h(0,!0);var e=(0,S.t)();this[Qe]=~~this[Qe]+e-this[et],this[rt]=e}function v(e,t){e.on(t,(function(){this[t]=(0,S.t)()}))}this.ee.on(et,g),a.on(tt,g),o.on(tt,g),this.ee.on(rt,m),a.on(Je,m),o.on(Je,m),this.ee.on("fn-err",((...t)=>{t[2]?.__newrelic?.[e.agentIdentifier]||(0,x.p)("function-err",[...t],void 0,this.featureName,this.ee)})),this.ee.buffer([et,rt,"xhr-resolved"],this.featureName),u.buffer([et],this.featureName),s.buffer(["setTimeout"+Ye,"clearTimeout"+Ze,et],this.featureName),c.buffer([et,"new-xhr","send-xhr"+Ze],this.featureName),d.buffer([$e+Ze,$e+"-done",$e+Xe+Ze,$e+Xe+Ye],this.featureName),l.buffer(["newURL"],this.featureName),f.buffer([et],this.featureName),a.buffer(["propagate",tt,Je,"executor-err","resolve"+Ze],this.featureName),i.buffer([et,"no-"+et],this.featureName),o.buffer(["new-jsonp","cb-start","jsonp-error","jsonp-end"],this.featureName),v(d,$e+Ze),v(d,$e+"-done"),v(o,"new-jsonp"),v(o,"jsonp-end"),v(o,"cb-start"),l.on("pushState-end",h),l.on("replaceState-end",h),window.addEventListener("hashchange",h,(0,A.jT)(!0,this.removeOnAbort?.signal)),window.addEventListener("load",h,(0,A.jT)(!0,this.removeOnAbort?.signal)),window.addEventListener("popstate",(function(){h(0,n>1)}),(0,A.jT)(!0,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var it=i(3333);class ot extends b{static featureName=it.TZ;constructor(e,t=!0){super(e,it.TZ,t);const r=[e.init.page_action.enabled,e.init.performance.capture_marks,e.init.performance.capture_measures,e.init.user_actions.enabled];p.RI&&e.init.user_actions.enabled&&(it.Zp.forEach((e=>(0,A.sp)(e,(e=>(0,x.p)("ua",[e],void 0,this.featureName,this.ee)),!0))),it.qN.forEach((e=>(0,A.sp)(e,(e=>(0,x.p)("ua",[e],void 0,this.featureName,this.ee)))))),r.some((e=>e))?this.importAggregator(e):this.deregisterDrain()}}var at=i(993),st=i(3785);class ct extends b{static featureName=at.TZ;constructor(e,t=!0){super(e,at.TZ,t);const r=this.ee;this.ee.on("wrap-logger-end",(function([e]){const{level:t,customAttributes:n}=this;(0,st.R)(r,e,n,t)})),this.importAggregator(e)}}new class extends o{constructor(t,r){super(r),p.gm?(this.features={},(0,R.bQ)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(w),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.K7.softNav)),(0,d.j)(this,t,t.loaderType||"agent"),this.run()):(0,e.R)(21)}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=u(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.P3[e.featureName]-a.P3[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.K7.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.K7.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.K7.softNav)return;const n=function(e){switch(e){case a.K7.ajax:return[a.K7.jserrors];case a.K7.sessionTrace:return[a.K7.ajax,a.K7.pageViewEvent];case a.K7.sessionReplay:return[a.K7.sessionTrace];case a.K7.pageViewTiming:return[a.K7.pageViewEvent];default:return[]}}(r.featureName).filter((e=>!(e in this.features)));n.length>0&&(0,e.R)(36,{targetFeature:r.featureName,missingDependencies:n}),this.features[r.featureName]=new r(this)}))}catch(t){(0,e.R)(22,t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,R.Zm)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[he,w,N,Ne,_e,_,D,ot,ct,je,nt],loaderType:"spa"})})()})();</script><link rel="icon" href="/lib/icons/favicon.png"/><meta id="aon-gtm-datalayer" data-component="GTM" data-page-country="" data-page-language="en" data-page-region="" data-page-location="" data-page-site="global-en" data-page-type="Capability Landing Page" data-page-content-type="Capability Overview" data-page-topic="Workforce" data-page-solution-line="Health Solutions" data-page-capability="Health and Benefits" data-page-function="Human Resources" data-secondary-page-program="Workforce,Technology" data-secondary-page-capability="Health and Benefits" data-secondary-page-content-type="Capability Overview" data-secondary-page-function="Business Leadership,Finance,Human Resources,Pension Management"/><script>const rawData={...document.querySelector("#aon-gtm-datalayer")?.dataset||{}};if(rawData){delete rawData.component;const a=Object.entries(rawData).reduce(((a,[e,t])=>{const r=e.replace(/([A-Z])/g,(a=>`_${a.toLowerCase()}`));return r?{...a,[r]:t}:a}),{});window.dataLayer=window.dataLayer||[],window.dataLayer.push(a)}</script><meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=0"/><title>Health and Benefits | Aon</title><meta name="description" content="Aon's tailored approach to delivering the health and benefits outcome your business needs – such as improving costs, health, productivity, employee experience and/or retention – combined with our insights and expertise ensures you have clarity and confidence in the decisions that matter to you. "/><meta property="og:site_name" content="Aon"/><meta property="og:type" content="website"/><meta property="og:title" content="Health and Benefits"/><meta property="og:description" content="Aon's tailored approach to delivering the health and benefits outcome your business needs – such as improving costs, health, productivity, employee experience and/or retention – combined with our insights and expertise ensures you have clarity and confidence in the decisions that matter to you. "/><meta property="og:image" content="https://res.aon.com/image/fetch/c_fill,f_auto,g_auto/https://assets.aon.com//-/media/images/photos/capabilities/banners/health-and-benefits-hero-02.png"/><meta property="og:image:alt" content="Health and Benefits"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Health and Benefits"/><meta name="twitter:description" content="Aon's tailored approach to delivering the health and benefits outcome your business needs – such as improving costs, health, productivity, employee experience and/or retention – combined with our insights and expertise ensures you have clarity and confidence in the decisions that matter to you. "/><meta name="twitter:image" content="https://res.aon.com/image/fetch/c_fill,f_auto,g_auto/https://assets.aon.com//-/media/images/photos/capabilities/banners/health-and-benefits-hero-02.png"/><meta name="twitter:image:src" content="https://res.aon.com/image/fetch/c_fill,f_auto,g_auto/https://assets.aon.com//-/media/images/photos/capabilities/banners/health-and-benefits-hero-02.png"/><meta name="twitter:image:alt" content="Health and Benefits"/><meta name="twitter:domain" content="www.aon.com"/><script type="text/javascript" src="https://cdn.cookielaw.org/consent/00db5e7f-3e2d-4e3a-9090-c226ff90e4d1/OtAutoBlock.js"></script><script src="https://cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="00db5e7f-3e2d-4e3a-9090-c226ff90e4d1"></script><script type="text/javascript"> function OptanonWrapper() { } </script><style> @charset "UTF-8";.section-topper__title p,.section-topper__watermark .watermark,.super-component__header--title{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0}.aon-carousel__functions .aon-button:disabled,.section-topper__content .section-topper__cta-btn{--fill-color:transparent}fieldset,img{border-style:none}.aon-subscribe-modal .modal-nav-sticky,[class*="--theme-navy"]{background-color:var(--aon-navy)}button.aon-button.aon-button__tertiary{display:inline-flex;text-decoration:none;font-size:inherit;line-height:inherit}.aon-button__secondary--navy{--border-color:var(--aon-navy);--fill-color:var(--aon-white);--fill-color-hover:var(--aon-navy);--text-color:var(--aon-navy);--text-color-hover:var(--aon-white);--icon-color:var(--aon-navy);--icon-color-hover:var(--aon-white)}.aon-button,[class*="--theme-navy"] .aon-button__secondary--red{--text-color:var(--aon-white);--text-color-hover:var(--aon-navy);--icon-color:var(--aon-white);--icon-color-hover:var(--aon-navy)}[class*="--theme-navy"] .aon-button__secondary--red{--border-color:var(--aon-white);--fill-color:transparent;--fill-color-hover:var(--aon-white)}.aon-button__icon{border:none;outline:.1rem solid var(--border-color)}.aon-button__icon .aon-button__wrapper-content{padding:var(--spacer-16)}.aon-button__icon.aon-button__primary.aon-button__primary--red{--text-color-hover:var(--aon-signature-red)}.aon-button__primary:disabled,.aon-button__secondary:disabled{opacity:var(--disabled-opacity)}.section-topper{--color-background:var(--aon-white);--color-title:var(--aon-navy);--color-text:var(--aon-gray-02);--color-watermark:var(--aon-gray-07);background-color:var(--color-background);position:relative;overflow:hidden;min-height:50rem;padding:var(--spacer-80) 0 var(--spacer-48) 0;display:flex}.section-topper--theme-navy{--color-background:var(--aon-navy);--color-title:var(--aon-white);--color-text:var(--aon-white);--color-watermark:var(--aon-gray-01)}.section-topper .container{position:relative;z-index:2}.section-topper__inner{width:100%;word-break:break-word}.section-topper__watermark{display:flex;align-items:flex-start;white-space:pre;position:absolute;top:0;left:0;width:100%;height:100%}.section-topper__watermark .watermark{line-height:1;color:var(--color-watermark);opacity:.5;font-size:50rem;-webkit-touch-callout:none;transform:translate(calc(var(--spacer-32) * -1),calc(var(--spacer-48) * -1))}.section-topper__title{grid-column:span 4;color:var(--color-title);display:flex;flex-direction:column}.section-topper__title p{font-size:2.4rem;line-height:2.8rem;color:var(--aon-gray-02);margin-bottom:var(--spacer-16)}.section-topper__content{grid-column:span 4;color:var(--color-text)}.section-topper__content p{margin-bottom:var(--spacer-32)}.section-topper.section-topper--theme-navy .watermark{opacity:.2}.section-topper.section-topper--theme-navy .section-topper__title p{color:var(--aon-gray-04)}.super-component{display:flex;flex-wrap:wrap;padding-top:var(--spacer-40);padding-bottom:var(--spacer-40);background-color:var(--background-color);color:var(--text-color);gap:var(--spacer-40)}.super-component__header{display:flex;align-items:center;width:100%;gap:var(--spacer-24)}.aon-gate-content__container,.aon-homepage-hero,.grid{gap:var(--grid-gap);grid-template-columns:repeat(var(--grid-columns),1fr)}.super-component__header--title{margin-right:auto;font-size:3.8rem;line-height:4.2rem}.featured-topics-card__title{word-break:break-word;--title-font-size:clamp(2.4rem, 1.4545454545rem + 1.4545454545vw, 3.2rem);font-size:var(--title-font-size);line-height:calc(var(--title-font-size) + var(--spacer-4))}.featured-topics-card__desc{font-size:1.6rem;line-height:2.6rem}.aon-footer-subscribe .aon-logo,.featured-topics .feature-topic-carousel__functions,.featured-topics-card__side.featured-topics-card__side--back{display:none}.aon-carousel__functions{display:flex;align-items:center;width:100%;margin-top:var(--spacer-40)}.aon-carousel__functions .aon-button{flex:0 0 var(--spacer-56);touch-action:manipulation;--disabled-opacity:1}.aon-carousel__functions .aon-button__icon--left{margin-right:var(--spacer-8)}.aon-carousel__functions .aon-button__icon--right{margin-right:var(--spacer-40)}.aon-carousel__progressbar{margin-top:.2rem;flex:1;display:flex;align-items:center;position:relative;--progress-background:var(--aon-gray-05)}.aon-carousel__progressbar--background{background-color:var(--progress-background);width:100%;position:absolute;left:0;right:0;height:.2rem}.aon-carousel__progressbar--content{width:0;background-color:var(--aon-signature-red);height:.4rem;position:relative}.aon-icon,.aon-img{width:100%}.aon-homepage .homepage-animation-element>*{transform:translateY(5rem);opacity:0}*,::after,::before{box-sizing:border-box;margin:0}html{line-height:1;-webkit-text-size-adjust:100%;-moz-tab-size:4;tab-size:4}details,main{display:block}body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif,"Apple Color Emoji","Segoe UI Emoji";--height-full-size:11.6rem;--height-small-size:var(--spacer-64);--height-mobile-size:8.4rem;--header-medium-height:7.6rem;--button-size:3.6rem;--height-topper:10.6rem}a{background-color:transparent}strong{font-weight:bolder}button,input,select,textarea{font-family:inherit;font-size:100%;line-height:1;margin:0}body,html,p{font-family:var(--standard-font-family)}button,input{overflow:visible}button,select{text-transform:none}[type=submit],button{-webkit-appearance:button}::-moz-focus-inner{border-style:none;padding:0}:-moz-focusring{outline:ButtonText dotted .1rem}fieldset{padding:0}.accordion-block,.aon-country-selector .aon-tray-layouts__right .accordion-block .accordion-block-list .accordion-block__item:last-child{border-bottom:.1rem solid var(--aon-gray-05)}:-moz-ui-invalid{box-shadow:none}textarea{overflow:auto}[type=checkbox]{box-sizing:border-box;padding:0}::-webkit-inner-spin-button,::-webkit-outer-spin-button{height:auto}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}.aon-eyebrow,.aon-gate-content__title,.content-card__title,.h7,.search-hero-form-input,.top-insights__text,.top-insights__title,h1,h2,h3,h4,h5{font-style:normal;font-weight:700}summary{display:list-item}:root{--title-font-family:"Helvetica Now Display",sans-serif;--standard-font-family:"Helvetica Now Text",sans-serif;--base-font-size:10px;--aon-tag-background:rgba(209, 73, 0, 1);--aon-white-mask:rgba(255, 255, 255, 0.8);--aon-navy-mask:rgba(38, 40, 54, 0.8);--aon-navy-lightbox:rgba(38, 40, 54, 0.95);--aon-gray-08-mask:rgba(249, 252, 252, 0.7);--aon-navy-play-button:rgba(38, 40, 54, 0.6);--spacer-4:0.4rem;--spacer-8:0.8rem;--spacer-16:1.6rem;--spacer-24:2.4rem;--spacer-32:3.2rem;--spacer-40:4rem;--spacer-48:4.8rem;--spacer-56:5.6rem;--spacer-64:6.4rem;--spacer-80:8rem;--spacer-96:9.6rem;--spacer-128:12.8rem;--zindex-hidden:-1;--zindex-default:1;--zindex-2:2;--zindex-relatedsolutions-thumbnail-bottom:1;--zindex-relatedsolutions-thumbnail-top:2;--zindex-relatedsolutions-box:3;--zindex-relatedsolutions-link:4;--zindex-sticky-nav:5;--zindex-search-mask:6;--zindex-global-nav:16;--zindex-modal:19;--global-header-height-small-size:6.8rem;--global-header-height-full-size:11.6rem;--global-header-height-mobile-size:8.4rem;--border-width-default:0.1rem;--border-width-medium:0.2rem;--aon-signature-red:#eb0017;--aon-white:#fff;--aon-navy:#262836;--aon-orange:#f25d00;--aon-teal-dark:#007585;--aon-teal-light:#29b0c3;--aon-gray-01:#46535e;--aon-gray-02:#5d6d78;--aon-gray-03:#82939a;--aon-gray-04:#acc0c4;--aon-gray-05:#cddbde;--aon-gray-06:#e5eff0;--aon-gray-07:#eef6f7;--aon-gray-08:#f9fcfc;--aon-error:#ea2238;--aon-warning:#ffa600;--aon-success:#12a88a}.aon-lead-modal .modal-nav-sticky,[class*="--theme-light-gray"]{background-color:var(--aon-gray-07)}body,html{font-size:var(--base-font-size);margin:0;color:var(--aon-navy)}.aon-eyebrow,.aon-field__label,.aon-gate-content__title,.content-card__title,.h7,.search-hero-form-input,.top-insights__text,.top-insights__title,h1,h2,h3,h4,h5{font-family:var(--title-font-family);letter-spacing:0}h1{line-height:5.2rem;font-size:4.8rem}h2{font-size:4.2rem;line-height:4.6rem}h3{font-size:3.8rem;line-height:4.2rem}.aon-gate-content__title,h4{font-size:3.2rem;line-height:3.6rem}h5{font-size:2.8rem;line-height:3.2rem}.popular-searches__item,.search-hero-search-bar__title,h6{font-family:var(--title-font-family);font-style:normal;letter-spacing:0;font-weight:700;font-size:2.4rem;line-height:2.8rem}.h7,.top-insights__text,.top-insights__title{font-size:1.6rem;line-height:2rem}p{font-weight:400;font-size:1.8rem;line-height:2.8rem}button,label{font-weight:500;font-family:var(--standard-font-family)}button{padding:0;font-style:normal;font-size:1.6rem;line-height:2.4rem;letter-spacing:0}label{font-size:1.6rem;line-height:1;letter-spacing:.2rem}.aon-gate-content__container,.grid{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4}.aon-aspect-ratio--16-9{aspect-ratio:16/9}.page-main{flex:1 0 auto;margin:0 auto}.accordion-block{margin:var(--spacer-40) 0 var(--spacer-24)}.accordion-block-list{padding:0;list-style:none}.accordion-block__details{height:var(--height)}.accordion-block__header{border-top:.1rem solid var(--aon-gray-05);display:flex;align-items:center;justify-content:space-between;overflow:hidden;padding:var(--spacer-24) 0}.accordion-block__toggle{list-style:none}.accordion-block__toggle::-webkit-details-marker{display:none}.accordion-block__title{text-align:left;margin-right:var(--spacer-24)}.accordion-block__body{color:var(--aon-gray-02);padding-bottom:var(--spacer-24)}.accordion-block__body>*>:last-child{margin-bottom:0}.accordion-block__body>*>:first-child{margin-top:0}.accordion-block__icon{flex:0 0 var(--spacer-32);height:var(--spacer-32);color:var(--aon-signature-red);margin-left:auto}.accordion-block__item:not(.active){overflow:hidden}.container{padding-left:var(--spacer-24);padding-right:var(--spacer-24)}.aon-icon{display:block;height:100%}.aon-eyebrow{--eyebrow-main-color:var(--aon-teal-dark);--eyebrow-optional-slash-color:var(--aon-gray-05);--eyebrow-optional-text-color:var(--aon-gray-02);font-size:1.6rem;line-height:2.6rem;color:var(--eyebrow-main-color)}.aon-eyebrow .aon-eyebrow__optional-text{color:var(--eyebrow-optional-text-color);font-family:var(--standard-font-family);font-weight:400;font-size:1.6rem;line-height:2.6rem}.aon-eyebrow .aon-eyebrow__optional-text::before{content:"/";color:var(--eyebrow-optional-slash-color);margin-left:var(--spacer-4);margin-right:var(--spacer-4)}.aon-button{--border-color:var(--aon-signature-red);--fill-color:var(--aon-signature-red);--fill-color-hover:transparent;--disabled-opacity:0.4;padding:0;border:.1rem solid var(--border-color);background-color:var(--fill-color);color:var(--text-color);position:relative}.aon-button .aon-button__wrapper-content{display:inline-flex;align-items:center;justify-content:space-between;padding:var(--spacer-16) var(--spacer-24);text-align:initial}.aon-button .aon-button__text{font-family:var(--standard-font-family);font-weight:500;font-style:normal;font-size:1.6rem;line-height:2.4rem;letter-spacing:0;margin-right:var(--spacer-24)}.aon-button .aon-icon{display:inline-block;min-width:var(--spacer-24);width:var(--spacer-24);height:var(--spacer-24);z-index:var(--zindex-2);color:var(--icon-color)}a.aon-button{display:inline-flex;text-decoration:none}.aon-button__primary--red{--icon-color-hover:var(--aon-signature-red)}.aon-button__secondary--red,[class*="--theme-light-gray"] .aon-button__secondary--red{--border-color:var(--aon-signature-red);--fill-color-hover:var(--aon-signature-red);--text-color-hover:var(--aon-white);--icon-color-hover:var(--aon-white);--text-color:var(--aon-navy)}.aon-button__secondary--red{--fill-color:var(--aon-white);--icon-color:var(--aon-signature-red)}.aon-button__tertiary,.featured-topics .featured-topics__button-less.aon-button__secondary,.featured-topics .featured-topics__button-more.aon-button__secondary,[class*="--theme-light-gray"] .aon-button__secondary--red{--fill-color:transparent}.aon-button__tertiary{--text-color:var(--aon-navy);--icon-color:var(--aon-signature-red);--icon-color-hover:var(--aon-signature-red);border:none}.aon-button__tertiary .aon-button__wrapper-content{display:initial;align-items:center;-webkit-text-fill-color:var(--text-color);padding:0;z-index:unset}.aon-button__tertiary .aon-button__text{position:relative;margin-right:var(--spacer-8);color:var(--aon-navy);background:linear-gradient(to right,var(--border-color),var(--border-color));background-size:100% .1rem;background-repeat:no-repeat;background-position:0 100%}.aon-button__tertiary .aon-icon{display:inline;margin-bottom:-1rem;vertical-align:super}.aon-button__primary:disabled{opacity:var(--disabled-opacity)}.content-card{display:flex;flex-direction:column;--title-text-color:var(--aon-navy);--description-text-color:var(--aon-gray-02);--topper-text-color:var(--aon-gray-06)}.content-card__topper{margin-bottom:var(--spacer-24)}.content-card__topper--media .aon-img{object-fit:cover}.content-card__eyebrow{margin-bottom:var(--spacer-8);min-height:2.6rem}.content-card__title{font-size:2.4rem;line-height:2.8rem;color:var(--title-text-color);margin-bottom:var(--spacer-16);text-decoration:none}.featured-topics-card__side{display:flex;flex-direction:row;align-items:center;justify-content:space-between;padding:var(--spacer-24);grid-area:1/1/1/1}.aon-homepage-hero .skip-navigation,.aon-homepage-hero__content h2.title,.aon-homepage-hero__content>h6:first-child,.aon-homepage-hero__scroll-loader,.aon-homepage-hero__section-navigation,.featured-topics .featured-topics__button-less,.featured-topics .featured-topics__button-more{display:none}.aon-modal__success-cta .aon-button__secondary,.aon-modal__success-cta .aon-button__secondary .aon-button__wrapper-content,.aon-subscribe-modal__submit-button,.aon-textarea,.featured-topics__button-wrapper .aon-button__secondary,.featured-topics__button-wrapper .aon-button__secondary .aon-button__wrapper-content{width:100%}.aon-homepage-hero{background:var(--aon-gray-07);color:var(--aon-navy);--body-padding-top:var(--global-header-height-mobile-size);--container-padding:var(--spacer-24);padding:0 var(--container-padding);display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;row-gap:0}.aon-homepage-hero__cta-panel{padding:var(--spacer-40) 0;grid-column:1/-1}.aon-homepage-hero__cta-panel .aon-button{margin-top:var(--spacer-32);width:100%}.aon-homepage-hero__cta-panel .aon-button .aon-button__wrapper-content{flex:1;width:100%}.aon-homepage-hero__quicklink-panel{padding:var(--spacer-24) 0 var(--spacer-48);grid-column:1/-1;display:flex;flex-direction:row;gap:var(--spacer-40);will-change:transform}.aon-homepage-hero__quicklink-panel ul{flex:1;padding:0;list-style:none}.aon-homepage-hero__quicklink-panel ul li+li{margin-top:var(--spacer-16)}@keyframes scrollloader{0%{left:calc(var(--spacer-8) - var(--full-arrow-width))}100%{left:calc(6.4rem - var(--full-arrow-width))}}.aon-homepage-hero-v2{position:relative;overflow:hidden}.aon-homepage-hero-v2 .aon-homepage-hero__cta-panel{padding:var(--spacer-48) 0}.aon-homepage-hero__section-container{grid-column:1/-1;margin:0 calc(-1 * var(--container-padding));padding:var(--spacer-48) var(--container-padding);background-color:var(--aon-gray-08)}.aon-homepage-hero__section{display:grid;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap)}.aon-homepage-hero__section:not(:last-child){margin-bottom:var(--spacer-56)}.aon-homepage-hero__section img{aspect-ratio:1;width:calc(var(--spacer-40) + var(--spacer-64));object-fit:cover}.aon-homepage-hero__section .title,.aon-modal__success-header{margin-bottom:var(--spacer-24)}.aon-modal__featured-insights-cards .content-card,.aon-subscribe-modal__form-section:not(:last-child){margin-bottom:var(--spacer-40)}.aon-homepage-hero__content-wrapper{grid-column:2/-1}.aon-homepage-hero__content h6.title a{text-decoration:none;color:var(--text-color)}@media screen and (min-width:650px){.section-topper{padding:var(--spacer-80) 0}.section-topper__watermark .watermark{font-size:40rem}.section-topper__content{padding-top:var(--spacer-48)}.super-component{padding-top:var(--spacer-56);padding-bottom:var(--spacer-56)}.super-component__header--title,h3{font-size:4.4rem;line-height:4.8rem}h1{line-height:6.8rem;font-size:6.4rem}h2{font-size:5.2rem;line-height:5.6rem}h4{font-size:3.6rem;line-height:4rem}h5{font-size:3.2rem;line-height:3.6rem}.grid{--grid-gap:var(--spacer-32);--grid-columns:8}.accordion-block{margin-top:var(--spacer-48)}.accordion-block__body{padding-top:0}.container{padding-left:var(--spacer-40);padding-right:var(--spacer-40)}.featured-topics__button-wrapper .aon-button__secondary{width:fit-content}.featured-topics__button-wrapper .aon-button__secondary .aon-button__wrapper-content{width:auto}.aon-homepage-hero{--grid-gap:var(--spacer-32);--grid-columns:8;--container-padding:var(--spacer-40)}.aon-homepage-hero__cta-panel{grid-column:span 5;padding:var(--spacer-48) 0}.aon-homepage-hero__cta-panel h2{max-width:calc(80% - -25.6px)}.aon-homepage-hero__cta-panel .aon-button{margin-top:var(--spacer-48);width:auto}.aon-homepage-hero__quicklink-panel{grid-column:span 3;padding:var(--spacer-48) 0;display:block}.aon-homepage-hero__quicklink-panel ul,.aon-homepage-hero__quicklink-panel ul li+li{margin-top:var(--spacer-24)}.aon-homepage-hero-v2 .aon-homepage-hero__quicklink-panel{padding-left:var(--spacer-40)}.aon-homepage-hero-v2 .aon-homepage-hero__cta-panel .aon-button,.aon-homepage-hero-v2 .aon-homepage-hero__cta-panel h2{max-width:unset}.aon-homepage-hero__section-container{padding-bottom:var(--spacer-40)}.aon-homepage-hero__section:not(:last-child){margin-bottom:var(--spacer-40)}.aon-homepage-hero__section picture{grid-column:span 3}.aon-homepage-hero__section img{width:100%}.aon-homepage-hero__content-wrapper{grid-column:span 4}.aon-homepage-hero__content h6.title{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:2.8rem;line-height:3.2rem}}@media screen and (min-width:650px) and (min-width:650px){.aon-homepage-hero__content h6.title{font-size:3.2rem;line-height:3.6rem}}@media screen and (min-width:650px) and (min-width:1900px){.aon-homepage-hero__content h6.title{font-size:3.8rem;line-height:4rem}}@media screen and (min-width:1200px){h1{line-height:10rem;font-size:9.6rem}h2{font-size:8rem;line-height:8.4rem}h3{font-size:5.6rem;line-height:6rem}h4{font-size:4rem;line-height:4.4rem}.grid{--grid-gap:var(--spacer-40);--grid-columns:12}.container{padding-left:var(--spacer-48);padding-right:var(--spacer-48)}.aon-homepage-hero{--body-padding-top:var(--global-header-height-full-size);--grid-gap:var(--spacer-40);--grid-columns:12;--container-padding:var(--spacer-48);background:var(--aon-navy);position:sticky;top:0;overflow:hidden;display:flex;gap:0;flex-direction:row;flex-wrap:nowrap;height:100vh;width:100vw;padding-right:0}.aon-homepage-hero__cta-panel{min-width:calc(calc(50% - 20px) + var(--spacer-24));margin-left:calc(-1 * var(--spacer-48));padding:var(--body-padding-top) 0 0 var(--spacer-48);background:var(--aon-gray-07);color:var(--aon-navy);position:relative;z-index:2;display:flex;flex-direction:column;justify-content:center;align-items:flex-start}.aon-homepage-hero__cta-panel h2{max-width:calc(83.3333333333% - 6.6666666667px)}.aon-homepage-hero__cta-panel .aon-button{margin-top:var(--spacer-48)}.aon-homepage-hero__quicklink-panel{width:calc(calc(25% - -10px) - var(--spacer-24));padding:var(--body-padding-top) var(--spacer-56) 0;position:absolute;left:calc(50% - 20px);top:0;bottom:0;z-index:1;display:flex;flex-direction:column;justify-content:center;gap:0;background:rgba(249,252,252,.8);backdrop-filter:blur(1.5rem);-webkit-backdrop-filter:blur(1.5rem);color:var(--aon-navy)}.aon-homepage-hero__quicklink-panel ul{flex:initial}.aon-homepage-hero-v2{margin-top:calc(-1 * var(--global-header-height-full-size))}.aon-homepage-hero-v2 .aon-homepage-hero__cta-panel{padding:var(--body-padding-top) 0 0 var(--spacer-48);width:calc(calc((100vw - var(--spacer-48) * 2 - var(--spacer-40) * 11)/ 12 * 6 + var(--spacer-40) * 5) + var(--spacer-48));min-width:unset;z-index:3}.aon-homepage-hero-v2 .aon-homepage-hero__cta-panel .aon-button,.aon-homepage-hero-v2 .aon-homepage-hero__cta-panel h2{max-width:calc((100vw - var(--spacer-48) * 2 - var(--spacer-40) * 11)/ 12 * 5 + var(--spacer-40) * 4)}.aon-homepage-hero-v2 .aon-homepage-hero__quicklink-panel{width:calc((100vw - var(--spacer-48) * 2 - var(--spacer-40) * 11)/ 12 * 3 + var(--spacer-40) * 3);left:calc(calc((100vw - var(--spacer-48) * 2 - var(--spacer-40) * 11)/ 12 * 6 + var(--spacer-40) * 5) + var(--spacer-48));padding-left:var(--spacer-48);padding-right:var(--spacer-48);z-index:2}.aon-homepage-hero__scroll-loader{position:absolute;inset:0;left:92vw;margin:auto;transform:translateY(-1.6rem);display:flex;height:2.2rem;color:var(--aon-white);z-index:2;--full-arrow-width:20.6rem;--text-width:5rem;--content-gap:var(--spacer-16);width:calc(var(--full-arrow-width) + var(--text-width) + var(--content-gap))}.aon-homepage-hero__scroll-loader p{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:1.6rem;line-height:2rem;min-width:3.4rem;width:max-content;max-width:4.7rem;overflow:hidden}.aon-homepage-hero__scroll-loader .arrow{position:absolute;inset:0;width:var(--full-arrow-width);left:calc(var(--text-width) + var(--content-gap));overflow:hidden}.aon-homepage-hero__scroll-loader .arrow .aon-icon{position:absolute;animation-name:scrollloader;animation-duration:5s;animation-timing-function:linear;animation-iteration-count:infinite}.aon-homepage-hero__section-container{position:absolute;inset:0;left:calc((100vw - var(--spacer-48) * 2 - var(--spacer-40) * 11)/ 12 * 6 + var(--spacer-40) * 5 + var(--spacer-48));width:100vw;height:100vh;margin:0}.aon-homepage-hero__section{position:absolute;display:block;width:100vw;height:100vh;overflow:hidden;margin:0;padding:0;color:var(--aon-navy);top:0;bottom:0;right:0;z-index:1}.aon-homepage-hero__section--white{color:var(--aon-white)}.aon-homepage-hero__section--white .aon-button__tertiary{--border-color:var(--aon-white);--text-color:var(--aon-white);--text-color-hover:var(--aon-white);--icon-color:var(--aon-white);--icon-color-hover:var(--aon-white)}.aon-homepage-hero__section picture{position:absolute;grid-column:unset;inset:0;left:auto;width:100vw;height:100vh}.aon-homepage-hero__section img{position:absolute;aspect-ratio:unset;inset:-2rem;width:calc(100vw + 4rem);height:calc(100vh + 4rem)}.aon-homepage-hero__section-navigation{--thumbnail-content-gap:var(--spacer-16);--thumbnail-card-width:calc( (100vw - var(--spacer-48) * 2 - var(--spacer-40) * 11) / 12 * 2 + var(--spacer-40) * 1 );--thumbnail-content-width:calc( var(--thumbnail-card-width) - 2 * var(--thumbnail-content-gap) );--navigation-height:0;display:flex;flex-direction:column;gap:var(--spacer-24);width:fit-content;position:fixed;top:calc(100vh - var(--spacer-48) - var(--navigation-height));left:var(--spacer-48);right:var(--spacer-48);opacity:0;transform:translate(0,10rem);z-index:5}.aon-homepage-hero__section-navigation .progress{width:100%;height:.2rem;background-color:var(--aon-white)}.aon-homepage-hero__section-navigation .progress__indicator{height:100%;background-color:var(--aon-signature-red)}.aon-homepage-hero__section-navigation .thumbnail-container{display:flex;gap:var(--grid-gap);--grid-gap:var(--spacer-24)}.aon-homepage-hero__section-navigation .thumbnail{width:var(--thumbnail-card-width);border:none;background:0 0;height:fit-content;position:relative;overflow:hidden}.aon-homepage-hero__section-navigation .thumbnail__content{position:absolute;inset:0;right:unset;width:100%;background-image:linear-gradient(0deg,rgba(38,40,54,.6),rgba(38,40,54,.6));color:var(--aon-white);overflow:hidden}.aon-homepage-hero__section-navigation .thumbnail__content p{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:1.6rem;line-height:2rem;text-align:left;width:var(--thumbnail-content-width);position:absolute;inset:var(--thumbnail-content-gap);top:auto}.aon-homepage-hero__section-navigation .thumbnail:not(:first-child) .thumbnail__content{right:0;left:unset}.aon-homepage-hero__section-navigation .thumbnail:not(:first-child) .thumbnail__content p{left:auto;right:calc(var(--thumbnail-card-width) - var(--thumbnail-content-width) - var(--thumbnail-content-gap))}.aon-homepage-hero__section-navigation .thumbnail picture{display:flex}.aon-homepage-hero__section-navigation .thumbnail img{width:100%;height:auto}.aon-homepage-hero .skip-navigation{position:fixed;right:0;bottom:0;padding:var(--spacer-24);padding-left:var(--spacer-32);background-color:var(--aon-gray-07);color:var(--aon-navy);display:flex;gap:var(--spacer-8);border:none;z-index:5;letter-spacing:.2rem}.aon-homepage-hero .skip-navigation .aon-icon{width:var(--spacer-24);height:var(--spacer-24)}.aon-homepage-hero__content-wrapper{padding-left:var(--spacer-24);padding-right:var(--spacer-24);display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);padding-top:calc(var(--spacer-48) + var(--spacer-40));position:absolute;inset:0;left:auto;width:100vw;height:100vh}.aon-homepage-hero__content{grid-column:span 7}.aon-homepage-hero__content h6:first-child{display:block}.aon-homepage-hero__content h2.title{display:block;margin-top:var(--spacer-24);margin-bottom:var(--spacer-40);padding-right:var(--spacer-80)}.aon-homepage-hero__content h6.title{display:none}}@media screen and (min-width:1200px) and (min-width:650px){.aon-homepage-hero__content-wrapper{padding-left:var(--spacer-40);padding-right:var(--spacer-40);--grid-gap:var(--spacer-32);--grid-columns:8}}.aon-subscribe-modal__google-privacy,.insights-topics,.search-hero-form,a.aon-button.insights-view-all-mobile{margin-top:var(--spacer-24)}.search-hero-form-input{font-size:3.2rem;line-height:3.6rem;display:block;width:100%;border:none;padding:0}@media screen and (min-width:650px){.search-hero-form-input{font-size:3.6rem;line-height:4rem}}@media screen and (min-width:1200px){.aon-media-hero__media{grid-area:1;grid-column:1/-1;margin:0 calc(-1 * var(--spacer-48))}.aon-media-hero__panel{position:relative;grid-area:1;grid-column:1/span 7;padding-bottom:var(--spacer-48);padding-right:var(--spacer-40);margin-left:calc(-1 * var(--spacer-48));margin-right:calc(-1 * var(--spacer-40))}.search-hero-form-input{font-size:4rem;line-height:4.4rem}}@media screen and (min-width:1900px){h1{line-height:12.4rem;font-size:12rem}h2{font-size:9.6rem;line-height:10rem}h3{font-size:6.6rem;line-height:7rem}.search-hero-form-input,h4{font-size:4.8rem;line-height:5.2rem}h5{font-size:3.8rem;line-height:4rem}.content-card__title,.search-hero-search-bar__title,h6{font-size:2.8rem;line-height:3.2rem}.h7{font-size:1.8rem;line-height:2.2rem}p{font-size:2.2rem;line-height:3.4rem}.aon-button .aon-button__text,button{font-size:1.8rem;line-height:2.6rem}.aon-eyebrow,label{font-size:1.8rem}.aon-eyebrow{line-height:2.2rem}.aon-eyebrow .aon-eyebrow__optional-text{font-size:1.8rem;line-height:3rem}.aon-homepage-hero__cta-panel .aon-button{margin-top:var(--spacer-56)}.aon-homepage-hero__section-navigation{gap:var(--spacer-32);--thumbnail-content-gap:var(--spacer-24);--thumbnail-content-width:22.2rem}.aon-homepage-hero__section-navigation>.thumbnail-container{--grid-gap:var(--spacer-32)}.aon-homepage-hero__section-navigation .progress{height:.3rem}.aon-homepage-hero__content-wrapper{padding-top:calc(var(--spacer-128) + var(--spacer-16))}.aon-homepage-hero__content{grid-column:span 6}.aon-homepage-hero__content h2.title{margin-top:var(--spacer-40);margin-bottom:var(--spacer-56);padding-right:0}.aon-homepage-hero .skip-navigation{padding:var(--spacer-32);padding-left:var(--spacer-40)}}.search-hero-form-input-icon{width:var(--spacer-32);height:var(--spacer-32)}.search-hero-form-input-icon svg{fill:var(--aon-navy)}.search-hero-form-group{display:flex;align-items:center;border-bottom:.2rem solid var(--aon-gray-05)}.search-hero-form-group .search-hero-form-input{background-color:transparent;height:var(--spacer-48)}.search-hero-form-submit{background:0 0;border:none}.aon-tabs-content>.aon-tabs-pane{min-width:0;grid-area:1/1/2/2;z-index:var(--zindex-hidden);visibility:visible}.aon-logo{color:var(--aon-signature-red);width:9.5rem;height:3.6rem;grid-column:1/span 4}[class*="__form"] label{font-weight:400}.aon-field{position:relative;display:grid;width:100%}.aon-subscribe-modal--success .aon-subscribe-modal__X-button,.aon-subscribe-modal--success .aon-subscribe-modal__sidebar,.modal:not(.show){display:none}.aon-field__input{width:100%;grid-column:1;grid-row:1;border-radius:0;border:none;background:0 0;box-shadow:none;outline:0;color:var(--aon-navy);border-bottom:.2rem solid var(--aon-gray-05);font-size:1.6rem;line-height:2.6rem;padding:0;padding-bottom:var(--spacer-8);font-weight:400}.aon-field__label{font-size:1.6rem;line-height:2.6rem;align-self:flex-start;justify-self:self-start;grid-column:1;grid-row:1;color:var(--aon-gray-01)}.aon-field__error-text,.aon-subscribe-modal__form-description p{font-size:1.2rem;line-height:1.8rem;font-weight:400;font-family:var(--standard-font-family)}.aon-field__error{display:none;align-items:center;margin-top:var(--spacer-4);color:var(--aon-signature-red)}.aon-field__error-icon{max-width:var(--spacer-16);max-height:var(--spacer-16);margin-right:var(--spacer-8)}.aon-field__group{display:flex;column-gap:var(--spacer-16)}.aon-field input:-webkit-autofill{-webkit-text-fill-color:var(--aon-navy)}.aon-field__textinput{background:0 0}.hidden-appearance{-webkit-appearance:none;-moz-appearance:none}.hidden-appearance::-webkit-textfield-decoration-container{display:none}.aon-field__select{padding:0 var(--spacer-40) var(--spacer-8) 0}.aon-field__select option{color:initial}.aon-field__appearance-icon,.modal-close svg,.modal-nav-sticky svg{color:var(--aon-signature-red)}.aon-field__appearance-icon{max-width:4rem;max-height:4rem;position:absolute;right:0;top:calc(-1 * var(--spacer-8))}.aon-textarea__input{width:100%;color:var(--aon-navy);padding:var(--spacer-16);border:.2rem solid var(--aon-gray-05);resize:none;outline:0;font-size:1.6rem;line-height:2.6rem}.modal{background-color:var(--aon-white);position:fixed;top:-.1rem;right:0;left:0;bottom:0;z-index:var(--zindex-modal);width:100%;height:calc(100% + .1rem);overflow-x:hidden;overflow-y:auto}.modal-dialog{margin-top:var(--spacer-24);margin-bottom:var(--spacer-24)}.modal-dialog--fullscreen{margin-top:0;margin-bottom:0}.modal-dialog--centered{display:flex;align-items:center;min-height:calc(100% - var(--spacer-24) * 2)}.modal-dialog--top{align-items:start}.modal-content{position:relative;width:100%;margin-left:var(--spacer-24);margin-right:var(--spacer-24)}.modal-content--fullscreen{margin-left:0;margin-right:0}.modal-close button{border:none;background-color:transparent;width:var(--spacer-40);height:var(--spacer-40);padding:1.2rem}.modal-nav-sticky{position:fixed;display:flex;top:0;justify-content:space-between;align-items:center;padding:var(--spacer-24);width:100%;z-index:var(--zindex-2)}.aon-modal__featured-insights-title{color:var(--aon-gray-02);margin-bottom:var(--spacer-32)}.aon-modal__featured-insights-cards{padding-top:var(--spacer-48)}.aon-modal__featured-insights-cards:not(:first-child){margin-top:var(--spacer-48);border-top:.1rem solid var(--aon-gray-05)}.aon-modal__featured-insights-cards .content-card .content-card__title:last-child{margin-bottom:0}@media screen and (min-width:650px){.search-hero-form-input{line-height:3.6rem}.search-hero-form-group .search-hero-form-input{height:calc(var(--spacer-40) + 1rem)}.aon-logo{grid-column:1/span 2}.aon-footer-subscribe__cta .aon-icon{display:none}.modal-nav-sticky{padding:var(--spacer-32) var(--spacer-40)}.aon-modal__success-cta{display:grid;grid-template-columns:repeat(8,1fr);column-gap:var(--spacer-32);height:fit-content}.aon-modal__success-cta .aon-button{grid-column:span 3}.aon-modal__featured-insights-title{grid-column:1/-1}.aon-modal__featured-insights-cards .content-card{grid-column:span 4}.aon-modal__featured-insights-cards{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);column-gap:var(--spacer-32);row-gap:0}}@media screen and (min-width:650px) and (min-width:650px){.aon-modal__featured-insights-cards{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-modal__featured-insights-cards{--grid-gap:var(--spacer-40);--grid-columns:12}}.aon-modal__success-short-description{color:var(--aon-gray-02)}.aon-modal__success-icon{width:var(--spacer-80);height:var(--spacer-80);color:var(--aon-teal-dark);margin-bottom:var(--spacer-24)}.aon-modal__success-content{grid-column:span 4;display:flex;flex-direction:column}.aon-lead-modal__sidebar--header,.aon-subscribe-modal__sidebar{grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap)}.aon-subscribe-modal{min-height:100vh;width:100%;background-color:#fff;display:flex;flex-direction:column;position:relative}.aon-subscribe-modal__sidebar{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-rows:auto 1fr;--grid-columns:4;padding:var(--spacer-80) var(--spacer-24) var(--spacer-40);background:var(--aon-navy);color:var(--aon-white)}@media screen and (min-width:650px){.aon-modal__success-content{grid-column:span 8;display:grid;grid-template-columns:repeat(8,1fr);column-gap:var(--spacer-32)}.aon-modal__success-content>*{grid-column:1/-1}.aon-modal__success-content>.aon-modal__success-short-description{grid-column:span 6}.aon-subscribe-modal__submit-button{width:fit-content}.aon-subscribe-modal__sidebar{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:1200px){.search-hero-form-input{line-height:4.4rem}.search-hero-form-input-icon{width:var(--spacer-40);height:var(--spacer-40)}.search-hero-form-group .search-hero-form-input{height:calc(var(--spacer-48) + var(--spacer-8))}.aon-footer-top .aon-logo,.modal-nav-sticky{display:none}.aon-modal__success-cta{display:block}.aon-modal__success-cta .aon-button__secondary{width:fit-content}.aon-modal__success-cta .aon-button__secondary .aon-button__wrapper-content{width:auto}.aon-modal__featured-insights-title{margin-bottom:var(--spacer-40)}.aon-modal__featured-insights-cards .content-card{grid-column:span 3}.aon-modal__featured-insights-cards{--grid-columns:6;column-gap:var(--spacer-40);padding-top:var(--spacer-64)}.aon-modal__featured-insights-cards:not(:first-child){margin-top:var(--spacer-64)}.aon-modal__success-icon{margin-bottom:var(--spacer-32)}.aon-modal__success-content{grid-column:2/-2;display:flex}.aon-subscribe-modal{flex-direction:row}.aon-subscribe-modal__sidebar{--grid-gap:var(--spacer-40);--grid-columns:12}}.aon-subscribe-modal__content{padding:var(--spacer-48) var(--spacer-24) var(--spacer-24)}.aon-subscribe-modal__content-header{grid-column:span 4;word-wrap:break-word;-webkit-hyphens:auto;-moz-hyphens:auto;hyphens:auto}.aon-subscribe-modal__content-subhead{grid-column:span 4;color:var(--aon-gray-04);font-weight:400}.aon-subscribe-modal__X-button{position:absolute;right:var(--spacer-24);top:var(--spacer-24)}.aon-subscribe-modal .modal-nav-sticky h4,.aon-subscribe-modal .modal-nav-sticky svg,.aon-subscribe-modal__X-button svg{color:var(--aon-white)}.aon-about-tray__title,.aon-industries-tray__link,.global-header__mega-menu-link,.global-header__mega-sub-menu-title,.insights-topics__item-caption{font-weight:700;font-style:normal;letter-spacing:0;font-family:var(--title-font-family)}.aon-subscribe-modal__form{display:flex;flex-direction:column}.aon-subscribe-modal__form-section{display:flex;flex-direction:column;width:100%}.aon-subscribe-modal__form-section-description-group .aon-button__primary,.aon-subscribe-modal__form-section-description-group .aon-button__primary .aon-button__wrapper-content,.aon-subscribe-modal__form-section-group{width:100%}.aon-subscribe-modal__form-section-input-group>:not(:last-child){margin-bottom:5.2rem}.aon-subscribe-modal__form-section-title{width:100%;margin-bottom:4.4rem}.aon-subscribe-modal__form-section-title--remove-margin-bottom{margin-bottom:0}.aon-subscribe-modal__form-description{color:var(--aon-gray-01);margin-bottom:var(--spacer-40)}.aon-subscribe-modal__form-description a,.aon-subscribe-modal__form-description a:visited{color:var(--aon-gray-01)}.aon-subscribe-modal--success .aon-subscribe-modal__content{padding-bottom:var(--spacer-48);margin-top:8.8rem}.aon-lead-modal{min-height:100vh;width:100%;position:relative;row-gap:0}@media screen and (min-width:650px){.aon-subscribe-modal__sidebar{--grid-columns:8;padding:var(--spacer-48) var(--spacer-40)}.aon-subscribe-modal__content{padding:var(--spacer-48) var(--spacer-40)}.aon-subscribe-modal__content-header{grid-column:span 8}.aon-subscribe-modal__content-subhead{grid-column:span 6}.aon-subscribe-modal__form-section{flex-direction:row}.aon-subscribe-modal__form-section-description-group .aon-button__primary{width:fit-content}.aon-subscribe-modal__form-section-description-group .aon-button__primary .aon-button__wrapper-content{width:auto}.aon-subscribe-modal__form-section-input-group>:not(:last-child){margin-bottom:6rem}.aon-subscribe-modal__form-section-title{min-width:14.8rem;width:14.8rem;margin-right:17.7325581395%;margin-bottom:0}.aon-subscribe-modal--success .aon-subscribe-modal__content{margin-top:10.4rem}.aon-lead-modal{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-template-rows:1fr;align-content:flex-start;row-gap:0}}.aon-lead-modal>*,.aon-tray-layouts>*{padding-left:var(--spacer-24);padding-right:var(--spacer-24);margin-left:calc(-1 * var(--spacer-24));margin-right:calc(-1 * var(--spacer-24))}.aon-lead-modal__sidebar{padding-top:var(--spacer-24);padding-bottom:var(--spacer-40);background-color:var(--aon-gray-07);grid-column:span 4}@media screen and (min-width:650px){.aon-lead-modal>*{padding-left:var(--spacer-40);padding-right:var(--spacer-40);margin-left:calc(-1 * var(--spacer-40));margin-right:calc(-1 * var(--spacer-40))}.aon-lead-modal__sidebar{padding-top:var(--spacer-40);grid-column:span 8;display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap)}.aon-lead-modal__sidebar>section:not(:first-child){grid-column:6/-1}}@media screen and (min-width:650px) and (min-width:650px){.aon-lead-modal,.aon-lead-modal__sidebar{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-lead-modal,.aon-lead-modal__sidebar{--grid-gap:var(--spacer-40);--grid-columns:12}}.aon-lead-modal__sidebar>section{grid-column:span 4}@media screen and (min-width:1200px){.aon-subscribe-modal__sidebar{--grid-columns:4;flex-basis:35.3472222222%;padding:var(--spacer-80) var(--spacer-40) var(--spacer-48) var(--spacer-48)}.aon-subscribe-modal__content{flex-basis:64.6527777778%;padding:11.6rem 11.3194444444% var(--spacer-80) 8.0555555556%;display:flex;flex-direction:column}.aon-subscribe-modal__content-header{grid-column:span 4}.aon-subscribe-modal__content-subhead{grid-column:span 3;font-weight:400;margin-right:calc(-1 * var(--spacer-40))}.aon-subscribe-modal__X-button{right:var(--spacer-48);top:var(--spacer-48)}.aon-subscribe-modal__X-button svg{color:var(--aon-signature-red)}.aon-subscribe-modal__form-section-title{margin-right:var(--spacer-40);min-width:19rem;width:19rem}.aon-subscribe-modal--success .aon-subscribe-modal__X-button{display:block}.aon-subscribe-modal--success .aon-subscribe-modal__sidebar{display:grid}.aon-subscribe-modal--success .aon-subscribe-modal__content{margin-top:0;padding-top:var(--spacer-96);padding-bottom:var(--spacer-128)}.aon-lead-modal>*{padding-left:var(--spacer-48);padding-right:var(--spacer-48);margin-left:calc(-1 * var(--spacer-48));margin-right:calc(-1 * var(--spacer-48))}.aon-lead-modal__sidebar{grid-column:span 4;--grid-columns:4;grid-template-rows:auto auto 1fr;height:100%;margin-right:calc(-1 * var(--spacer-40));padding-top:var(--spacer-80);padding-right:var(--spacer-40);padding-bottom:var(--spacer-48)}.aon-lead-modal__sidebar>section:not(:first-child){grid-column:span 4}}.aon-lead-modal__sidebar--header{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(4,1fr);gap:0 var(--grid-gap);margin-top:var(--spacer-64)}@media screen and (min-width:650px){.aon-lead-modal__sidebar--header{--grid-gap:var(--spacer-32);--grid-columns:8}}.aon-lead-modal__sidebar--header h2,.top-insights__article{grid-column:span 3}.aon-lead-modal__sidebar--header p{margin-top:var(--spacer-24);color:var(--aon-gray-01);grid-column:span 4}@media screen and (min-width:1200px){.aon-lead-modal__sidebar--header{--grid-gap:var(--spacer-40);--grid-columns:12;margin-top:0;display:grid;grid-template-columns:repeat(4,1fr);column-gap:var(--spacer-40)}.aon-lead-modal__sidebar--header p{margin-top:var(--spacer-40)}.aon-lead-modal__sidebar--header>*{grid-column:span 3}.aon-lead-modal__sidebar--header .modal-title{grid-column:span 4;word-wrap:break-word;-webkit-hyphens:auto;-moz-hyphens:auto;hyphens:auto}}.aon-lead-modal__sidebar .aon-lead-modal__sidebar--header{grid-column:span 4}.aon-lead-modal__sidebar--addresses{margin-top:var(--spacer-40)}.aon-lead-modal__sidebar--contacts,.aon-lead-modal__sidebar--cta{display:flex;flex-direction:column}.aon-lead-modal__sidebar--contacts a,.aon-lead-modal__sidebar--contacts p,.aon-lead-modal__sidebar--cta a{font-size:1.6rem;line-height:2.6rem;text-decoration:none;color:inherit}.aon-lead-modal__sidebar--cta{gap:var(--spacer-16)}.aon-lead-modal__sidebar--cta .aon-button{width:fit-content}@media screen and (min-width:650px){.aon-lead-modal__sidebar--addresses{margin-top:0}.aon-lead-modal__sidebar--cta{margin-top:var(--spacer-64);min-height:0}}@media screen and (min-width:1200px){.aon-lead-modal__sidebar--cta{gap:var(--spacer-24);margin-top:0;min-height:calc(var(--spacer-40) * 5 + var(--spacer-48))}}.aon-lead-modal__sidebar--contacts{color:var(--aon-gray-02);gap:var(--spacer-4);margin-top:var(--spacer-40)}.aon-lead-modal__content{padding-top:var(--spacer-48);padding-bottom:var(--spacer-48);background-color:#fff;grid-column:span 4;display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap)}@media screen and (min-width:650px){.aon-lead-modal__content{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:1200px){.aon-lead-modal__sidebar--contacts{margin-top:0}.aon-lead-modal__content{--grid-gap:var(--spacer-40);--grid-columns:12}}.aon-lead-modal__X-button{color:var(--aon-signature-red);position:absolute;right:var(--spacer-24);top:var(--spacer-24)}.aon-lead-modal__form{display:flex;flex-direction:column;grid-column:span 4;row-gap:var(--spacer-56)!important}@media screen and (min-width:650px){.aon-lead-modal__content{--grid-columns:8;grid-column:span 8;padding-bottom:var(--spacer-48)}.aon-lead-modal__X-button{right:var(--spacer-40);top:var(--spacer-40)}.aon-lead-modal__form{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-column:span 8;row-gap:var(--spacer-80)!important;align-content:flex-start}}@media screen and (min-width:650px) and (min-width:650px){.aon-lead-modal__form{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-lead-modal__form{--grid-gap:var(--spacer-40);--grid-columns:12}}@media screen and (min-width:1200px){.aon-lead-modal__content{grid-column:5/-1;padding-top:11.6rem;padding-left:0;padding-bottom:var(--spacer-80);margin-left:0}.aon-lead-modal__X-button{right:var(--spacer-48);top:var(--spacer-48)}.aon-lead-modal__form{grid-column:2/-2;display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);--grid-columns:6!important}}@media screen and (min-width:1200px) and (min-width:650px){.aon-lead-modal__form{--grid-gap:var(--spacer-32);--grid-columns:8}}.aon-lead-modal__form-section{display:flex;flex-wrap:wrap;padding:0}@media screen and (min-width:650px){.aon-lead-modal__form-section{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-column:span 8;--grid-gap:var(--spacer-40)}}@media screen and (min-width:650px) and (min-width:650px){.aon-lead-modal__form-section{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-lead-modal__form-section{--grid-gap:var(--spacer-40);--grid-columns:12}}@media screen and (min-width:1200px){.aon-lead-modal__form-section{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-column:span 6;--grid-columns:6!important}}@media screen and (min-width:1200px) and (min-width:650px){.aon-lead-modal__form-section{--grid-gap:var(--spacer-32);--grid-columns:8}}.aon-lead-modal__form-section--title{margin-bottom:var(--spacer-32);width:100%}@media screen and (min-width:650px){.aon-lead-modal__form-section--title{margin-bottom:0;width:14.8rem;grid-column:span 2}.aon-lead-modal__form-section--group{grid-column:4/-1}.aon-lead-modal__form-legal-container{grid-column:4/-1;margin-top:var(--spacer-8)}}.aon-lead-modal__form-section--group{display:flex;flex-direction:column;gap:var(--spacer-40);width:100%}.aon-lead-modal__form-legal{color:var(--aon-gray-01);margin-top:var(--spacer-32);margin-bottom:var(--spacer-32)}.aon-lead-modal__form-legal p{font-family:var(--standard-font-family);font-weight:400;font-size:1.2rem;line-height:1.8rem}.aon-industries-tray__item:not(:last-child),.aon-lead-modal__form-legal p:not(:last-child){margin-bottom:var(--spacer-24)}.aon-lead-modal__form-legal a,.aon-lead-modal__form-legal a:visited{color:var(--aon-gray-01)}.aon-lead-modal__form .aon-button__primary,.aon-lead-modal__form .aon-button__primary .aon-button__wrapper-content,.aon-lead-modal__form .aon-button__secondary,.aon-lead-modal__form .aon-button__secondary .aon-button__wrapper-content{width:100%}.aon-lead-modal .modal-nav-sticky h4,.search-nav-zero .search-hero-search-bar__title,.search-nav-zero-state .search-hero-form-input-icon{color:var(--aon-navy)}.aon-lead-modal--success .aon-lead-modal__X-button,.aon-lead-modal--success .aon-lead-modal__sidebar,.global-header__contact,.global-header__languages,.global-header__links,.global-header__mega-menu,.top-insights,a.aon-button.insights-view-all-desktop{display:none}.aon-tray-layouts__left,.aon-tray-layouts__right{display:grid;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap)}.aon-lead-modal--success .aon-lead-modal__content{margin-top:8.8rem}.aon-gate-content__form-legal-container,.aon-gate-content__input-field,.aon-gate-content__success-content,.lead-modal-tag,.popular-searches{grid-column:1/-1}.lead-modal-tag h6{color:var(--aon-teal-dark)}.lead-modal-tag h3{margin-top:var(--spacer-8)}@media screen and (min-width:650px){.aon-lead-modal__form-legal{margin-top:0;margin-bottom:var(--spacer-40)}.aon-lead-modal__form .aon-button{width:fit-content}.aon-lead-modal--success .aon-lead-modal__content{margin-top:10.4rem}.aon-tray-layouts{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);row-gap:0}}.aon-tray-layouts__left{background-color:var(--aon-gray-07);padding-top:var(--spacer-40);padding-bottom:var(--spacer-40);--grid-gap:var(--spacer-24);--grid-columns:4;grid-column:span 4}.aon-tray-layouts__right,.insights-tray .aon-tray-layouts__right{background-color:var(--aon-gray-08)}@media screen and (min-width:650px){.aon-tray-layouts>*{padding-left:var(--spacer-40);padding-right:var(--spacer-40);margin-left:calc(-1 * var(--spacer-40));margin-right:calc(-1 * var(--spacer-40))}.aon-tray-layouts__left{--grid-gap:var(--spacer-32);--grid-columns:8;grid-column:span 8}}@media screen and (min-width:1200px){.aon-lead-modal__form-section--group{grid-column:span 4}.aon-lead-modal__form-legal-container{grid-column:3/-1;margin-top:0}.aon-lead-modal--success .aon-lead-modal__X-button{display:block}.aon-lead-modal--success .aon-lead-modal__sidebar{display:grid}.aon-lead-modal--success .aon-lead-modal__content{margin-top:0;padding-top:var(--spacer-96);padding-bottom:var(--spacer-128)}.aon-tray-layouts{min-height:calc(100vh - var(--header-height))}.aon-tray-layouts>*{padding-left:var(--spacer-48);padding-right:var(--spacer-48);margin-left:calc(-1 * var(--spacer-48));margin-right:calc(-1 * var(--spacer-48))}.aon-tray-layouts__left{--grid-gap:var(--spacer-40);--grid-columns:12;grid-column:span 4;--grid-columns:4;margin-right:0;padding-top:var(--spacer-56);padding-bottom:var(--spacer-56);padding-right:0}}.aon-tray-layouts__left--header{grid-column:span 4}@media screen and (min-width:650px){.aon-tray-layouts__left--header{grid-column:6/1}}@media screen and (min-width:1200px){.aon-tray-layouts__left--header{padding-right:var(--spacer-80);grid-column:span 4}}@media screen and (min-width:1900px){.search-hero-form-input{line-height:5.2rem}.search-hero-form-group .search-hero-form-input{height:calc(5.2rem + var(--spacer-8))}.aon-field__input,.aon-field__label,.aon-lead-modal__sidebar--contacts a,.aon-lead-modal__sidebar--contacts p,.aon-lead-modal__sidebar--cta a,.aon-textarea__input{font-size:1.8rem;line-height:3rem}.aon-field__error-text,.aon-lead-modal__form-legal p,.aon-subscribe-modal__form-description p{font-size:1.4rem;line-height:2.2rem}.aon-tray-layouts__left{padding-top:var(--spacer-80);padding-bottom:var(--spacer-80)}.aon-tray-layouts__left--header{padding-right:0;grid-column:span 3}.aon-tray-layouts__left--title{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:3.8rem;line-height:4.2rem}}@media screen and (min-width:1900px) and (min-width:650px){.aon-tray-layouts__left--title{font-size:4.4rem;line-height:4.8rem}}@media screen and (min-width:1900px) and (min-width:1200px){.aon-tray-layouts__left--title{font-size:5.6rem;line-height:6rem}}@media screen and (min-width:1900px) and (min-width:1900px){.aon-tray-layouts__left--title{font-size:6.6rem;line-height:7rem}}.aon-tray-layouts__left--subtitle{padding-top:var(--spacer-16);font-size:1.4rem;line-height:2.2rem;color:var(--aon-gray-01)}.aon-tray-layouts__left--button{padding-top:var(--spacer-24)}.aon-tray-layouts__left--button .aon-button__secondary,.aon-tray-layouts__left--button .aon-button__secondary .aon-button__wrapper-content{width:100%}.aon-tray-layouts__right{padding-top:var(--spacer-40);padding-bottom:var(--spacer-40);--grid-gap:var(--spacer-24);--grid-columns:4;grid-column:span 4}@media screen and (min-width:650px){.aon-tray-layouts__left--button .aon-button__secondary{width:fit-content}.aon-tray-layouts__left--button .aon-button__secondary .aon-button__wrapper-content{width:auto}.aon-tray-layouts__right{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:1200px){.aon-tray-layouts__left--subtitle{padding-top:var(--spacer-24)}.aon-tray-layouts__left--button{padding-top:var(--spacer-32)}.aon-tray-layouts__right{--grid-gap:var(--spacer-40);--grid-columns:12;margin-left:calc(-1 * var(--spacer-40));padding-top:var(--spacer-56);padding-bottom:var(--spacer-56);padding-left:var(--spacer-40)}}@media screen and (min-width:650px){.aon-tray-layouts__right{grid-column:span 8;--grid-columns:8}}.aon-tray-layouts__right--content{grid-column:span 4;row-gap:var(--spacer-56)}@media screen and (min-width:650px){.aon-tray-layouts__right--content{grid-column:span 8;row-gap:var(--spacer-80)}.aon-industries-tray{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);grid-auto-flow:column;grid-gap:0 var(--spacer-32);grid-template-rows:repeat(1,1fr);grid-template-columns:repeat(2,1fr)}}.aon-industries-tray__list{list-style-type:none;padding-left:0}.aon-industries-tray__list:not(:last-child){margin-bottom:var(--spacer-48)}.aon-industries-tray__link{color:var(--aon-navy);text-decoration:none;font-size:2.4rem;line-height:2.8rem}.insights-tray .aon-about-tray__title{padding-bottom:0}.insights-tray-right__header{display:flex;align-items:flex-end;justify-content:space-between}.insights-topics__list{list-style:none;padding:0}@media screen and (min-width:650px){.aon-industries-tray__list:not(:last-child){margin-bottom:0}.insights-topics{margin-top:var(--spacer-32)}.insights-topics__list{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);row-gap:var(--spacer-40)}.insights-topics__item{grid-column:span 4}}@media screen and (min-width:650px) and (min-width:650px){.aon-industries-tray,.aon-tray-layouts,.insights-topics__list{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-industries-tray,.aon-tray-layouts,.insights-topics__list{--grid-gap:var(--spacer-40);--grid-columns:12}}.insights-topics__link{display:block;color:var(--aon-navy);text-decoration:none}.insights-topics__item img{display:block;object-fit:cover;width:8.4rem;height:8.4rem}.insights-topics__item-caption{font-size:2.4rem;line-height:2.8rem;padding-left:var(--spacer-16)}.insights-topics__figure{display:flex;align-items:center}.aon-about-tray__title{color:var(--aon-teal-dark);padding-bottom:var(--spacer-32);font-size:1.6rem;line-height:2rem}body.has-global-header{padding-top:var(--height-mobile-size)}body.has-global-header.cw{padding-top:var(--header-medium-height)}.global-header{--mask-z-index:var(--zindex-2);--mask-item-z-index:var(--zindex-global-nav);--mega-menu-offset:var(--spacer-40);--header-height:var(--height-full-size);background-color:var(--aon-white);z-index:var(--zindex-global-nav);position:fixed;top:0;left:0;right:0}.global-header__nav{--padding-gap:var(--spacer-24);padding-top:var(--padding-gap);padding-bottom:var(--padding-gap);display:flex;flex-wrap:wrap;align-items:center}.global-header__nav ul{list-style:none}.global-header__nav a{text-decoration:none}.global-header__icon{padding-left:var(--spacer-24);display:inline-flex;align-items:baseline}.global-header__icon a{display:inline-flex;align-items:center;height:3.6rem;width:6.257rem;color:var(--aon-signature-red)}.global-header__mega-menu{padding-left:0;position:relative}.global-header__mega-sub-menu-title{font-size:1.6rem;line-height:2.4rem;align-items:center;z-index:var(--zindex-2);background-color:var(--aon-white);display:none;position:absolute;top:0;left:0;right:50%;transform:translate(0,-100%);padding-top:var(--spacer-24);padding-bottom:var(--spacer-24);padding-left:var(--spacer-24)}@media screen and (min-width:1900px){.aon-tray-layouts__left--subtitle{font-size:1.6rem;line-height:2.4rem}.aon-tray-layouts__right{padding-top:var(--spacer-80);padding-bottom:var(--spacer-80)}.aon-industries-tray__item:not(:last-child){margin-bottom:var(--spacer-32)}.aon-industries-tray__link,.insights-topics__item-caption{font-size:2.8rem;line-height:3.2rem}.aon-about-tray__title,.global-header__mega-sub-menu-title{font-size:1.8rem;line-height:2.2rem}}.global-header__mega-sub-menu-title .aon-icon{width:var(--spacer-24);height:var(--button-size);margin-right:var(--spacer-8)}.global-header__mega-menu-link{font-size:3.2rem;line-height:3.6rem;color:var(--aon-navy);display:flex;align-items:center;justify-content:space-between;outline:0;position:relative}@media screen and (min-width:650px){.insights-topics__item img{width:100%;height:auto}.insights-topics__item-caption{padding-left:0;margin-top:var(--spacer-16)}.insights-topics__figure,a.aon-button.insights-view-all-desktop{display:block}a.aon-button.insights-view-all-mobile{display:none}.global-header__icon,.global-header__mega-sub-menu-title{padding-left:var(--spacer-40)}.global-header__mega-menu-link{font-size:3.6rem;line-height:4rem}}@media screen and (min-width:1200px){.aon-tray-layouts__right--content{grid-column:2/-2;--grid-columns:6}.aon-industries-tray{grid-gap:0 var(--spacer-40)}.insights-topics__list{--grid-columns:6}.insights-topics__item{grid-column:span 3}body.has-global-header{padding-top:var(--height-full-size)}.global-header__icon{z-index:var(--mask-item-z-index);padding-left:var(--spacer-48)}.global-header__mask,.global-header__mask-item{position:absolute;top:calc(100% - var(--mega-menu-offset));left:0;right:0;bottom:0;background-color:var(--aon-white);z-index:var(--mask-z-index)}.global-header__mask-item{z-index:var(--mask-item-z-index)}.global-header__mask{z-index:var(--zindex-sticky-nav)}.global-header__nav{height:var(--height-full-size);--padding-gap:var(--spacer-40)}.global-header__icon a{width:9.5rem}.global-header__contact,.global-header__languages,.global-header__links,.global-header__mega-menu{display:inline-flex}.global-header__mega-menu{position:unset;padding-left:2rem}.global-header__mega-menu::before{content:"";position:absolute;top:calc(100% - var(--mega-menu-offset));left:0;bottom:unset;width:100%;height:0;opacity:0;margin-top:0;padding-bottom:0;background-color:var(--aon-gray-08);overflow-y:auto}.global-header__mega-menu-item{padding-left:2rem;padding-right:2rem}.global-header__mega-sub-menu-title{line-height:3.2rem}.global-header__mega-menu-link{font-size:4rem;line-height:4.4rem}}@media screen and (min-width:1900px){.global-header__mega-menu-link{font-size:4.8rem;line-height:5.2rem}}.global-header__mega-menu-link::before{content:"";width:0;height:.2rem;background-color:var(--aon-signature-red);position:absolute;bottom:0;left:0;z-index:calc(var(--mask-item-z-index) + 1)}.global-header__mega-menu-link .aon-icon{width:var(--spacer-40);height:var(--spacer-40)}@media screen and (min-width:1200px){.global-header__mega-menu-link{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:1.6rem;line-height:2rem;padding:var(--spacer-8) 0}.global-header__mega-menu-link .aon-icon{display:none}}.global-header__mega-sub-menu{position:absolute;top:0;bottom:0;left:0;right:0;z-index:var(--zindex-2)}.global-header__trigger-menu-wrapper{position:relative;margin-left:var(--spacer-24);margin-right:var(--spacer-24)}.global-header__search-mask{display:none;width:calc(var(--button-size) * 4);height:calc(100% + .4rem);position:absolute;left:50%;bottom:0;transform:translate(-50%,100%);z-index:var(--zindex-search-mask)}.global-header__languages .aon-icon{width:var(--spacer-24);height:var(--spacer-24);color:var(--aon-gray-01)}.aon-country-selector .accordion-block__icon .aon-icon,.aon-country-selector__sub-menu .aon-icon{color:var(--aon-signature-red)}.global-header__search{display:inline-flex;width:fit-content;height:3.6rem;margin-left:auto;position:relative;--icon-size:var(--spacer-24);--icon-offset:calc(2rem - (var(--button-size) - var(--icon-size)) / 2)}.global-header__search .aon-icon__search{border:0;background-color:transparent;width:var(--button-size);height:100%;position:relative}.global-header__search .aon-icon__search::before{content:"";width:0;height:.2rem;background-color:var(--aon-signature-red);position:absolute;bottom:0;left:calc((var(--button-size) - var(--icon-size))/ 2);z-index:var(--zindex-search-mask);display:none}.global-header__search .aon-icon__search .aon-icon{width:var(--icon-size);height:var(--icon-size);margin-left:auto;margin-right:auto}.global-header__languages-wrapper{display:flex;align-items:flex-end;background:0 0;position:relative;border:0;outline:0}.global-header__languages-wrapper::before{content:"";width:0;height:.2rem;background-color:var(--aon-signature-red);position:absolute;bottom:-.8rem;left:0}.global-header__links{padding:0 var(--spacer-24)}.global-header__links ul{width:100%;border-top:.1rem solid var(--aon-gray-05);padding:0;display:flex;align-items:center}@media screen and (min-width:650px){.global-header__trigger-menu-wrapper{margin-right:var(--spacer-40)}.global-header__links ul{border-top-color:var(--aon-gray-06)}}.global-header__link{color:var(--aon-gray-02);font-family:var(--title-font-family);font-style:normal;letter-spacing:0;font-size:1.6rem;line-height:2rem;font-weight:400}@media screen and (min-width:1900px){.global-header__link{font-size:1.8rem;line-height:2.2rem}}.global-header__contact a,.global-header__mega-sub-menu-title-lang{font-size:1.6rem;line-height:2.4rem;font-style:normal;letter-spacing:0}.global-header__contact a{font-family:var(--standard-font-family);font-weight:500;color:var(--aon-gray-01);border-bottom:.1rem solid var(--aon-signature-red)}@media screen and (min-width:1900px){.global-header__contact a{font-size:1.8rem;line-height:2.6rem}.global-header__mega-sub-menu-title-lang{font-size:1.8rem;line-height:2.2rem}}@media screen and (min-width:1200px){.global-header__mega-sub-menu{display:block;padding-top:var(--mega-menu-offset);top:calc(100% - var(--mega-menu-offset));bottom:unset;height:calc(100vh - var(--height-full-size) + var(--spacer-64));padding-bottom:var(--spacer-24)}.global-header__trigger-menu-wrapper{display:none}.global-header__languages{margin-right:var(--spacer-48);margin-left:auto}.global-header__search .aon-icon__search::before{display:block}.global-header__search{margin-left:0;padding:0 var(--icon-offset)}.global-header__search::before{content:"";position:fixed;top:var(--height-full-size);left:0;bottom:unset;width:100%;height:0;opacity:0;padding-top:0;padding-bottom:0;background-color:var(--aon-white);overflow-y:auto}.global-header__links::after,.global-header__links::before{height:var(--spacer-16);width:.1rem;background-color:var(--aon-gray-05);position:absolute;top:50%;transform:translateY(-50%)}.global-header__links{padding:0 var(--spacer-48) 0 var(--spacer-48);border-top:none;position:relative;margin-left:auto}.global-header__links ul{border-top:none}.global-header__links li:not(:last-of-type){margin-bottom:0;margin-right:var(--spacer-24)}.global-header__links+.global-header__languages{margin-left:0}.global-header__links::before{left:var(--spacer-24)}.global-header__links::after{right:var(--spacer-24)}.global-header__link{font-size:1.4rem;line-height:2.2rem}.global-header__contact{margin-left:auto}.global-header__contact a{font-size:1.4rem;line-height:2.2rem;border-bottom:none}.global-header__contact+.global-header__links{margin-left:0}.global-header__contact+.global-header__links::after,.global-header__contact+.global-header__links::before{content:""}}.global-header__trigger-menu{width:var(--spacer-24);height:var(--button-size);border:none;background-color:transparent;padding:0}.global-header__trigger-menu>div{width:var(--spacer-24);height:.1rem;background-color:var(--aon-navy);position:absolute}.global-header__trigger-menu>div:first-child{transform:translateY(-.6rem)}.global-header__trigger-menu>div:last-child{transform:translateY(.6rem);width:var(--spacer-16)}.aon-country-selector__sub-menu{position:fixed;left:0;bottom:0;top:7.2rem;min-height:calc(100vh - 7.2rem);width:100%;overflow-y:scroll;opacity:0;-webkit-overflow-scrolling:touch;background-color:var(--aon-gray-08)}@supports (-webkit-touch-callout:none){.aon-country-selector__sub-menu{padding-bottom:var(--spacer-80)}@media screen and (min-width:1200px){.aon-country-selector__sub-menu{padding-bottom:0}}}.aon-country-selector__sub-menu .accordion-block__icon .aon-icon{display:block;width:100%;height:100%}.global-header__mega-sub-menu-title-lang{font-family:var(--title-font-family);font-weight:700;position:fixed;top:0;z-index:var(--zindex-2);background-color:var(--aon-white);display:none;align-items:center;padding-top:var(--spacer-24);padding-bottom:var(--spacer-24);padding-left:var(--spacer-24);width:calc(100% - 3 * var(--spacer-24))}.global-header__mega-sub-menu-title-lang .aon-icon{width:var(--spacer-24);height:var(--button-size);margin-right:var(--spacer-8)}.search-nav-zero{position:fixed;left:0;bottom:0;top:8.3rem;height:calc(100vh - 7.2rem);width:100%;overflow:scroll;opacity:0;background-color:var(--aon-white);-webkit-overflow-scrolling:touch}.search-nav-zero__inner{min-height:100%}.search-nav-zero-state{background-color:var(--aon-gray-07);position:relative;padding:var(--spacer-48) var(--spacer-24) var(--spacer-24)}.search-nav-zero-state .search-hero-form-input-icon svg{fill:currentColor}.search-nav-zero-state .search-hero-form-submit{margin-left:var(--spacer-16)}.search-autosuggest{display:none;background-color:inherit;bottom:var(--spacer-24);left:0;position:absolute;width:100%;padding:0 var(--spacer-24);transform:translateY(100%);z-index:var(--zindex-relatedsolutions-thumbnail-bottom)}.aon-country-selector .aon-tray-layouts,.aon-switch{position:relative}.search-autosuggest__list{list-style:none;padding:0;padding-top:var(--spacer-24);padding-bottom:var(--spacer-24)}.search-recommend{padding:var(--spacer-48) var(--spacer-24)}.search-recommend__title{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:1.6rem;line-height:2rem;flex:1;color:var(--aon-teal-dark)}.popular-searches__list{margin-top:var(--spacer-32);list-style:none;padding:0}.popular-searches__item+.popular-searches__item,.top-insights__item+.top-insights__item{margin-top:var(--spacer-24)}.popular-searches__link{text-decoration:none;display:inline-block;color:var(--aon-navy)}.top-insights-header{display:flex;align-items:center;justify-content:space-between;grid-column:1/-1}.top-insights__list{list-style:none;padding:0;grid-column:1/-1}.top-insights__link{display:grid;gap:var(--grid-gap);grid-template-columns:repeat(5,1fr);text-decoration:none}.top-insights__thumbnail{grid-column:span 2}.top-insights__thumbnail img{aspect-ratio:16/9;display:block;width:100%}.top-insights__title{color:var(--aon-gray-02)}.top-insights__text{color:var(--aon-navy);margin-top:var(--spacer-16);display:inline-block}.top-insights .view-all-insights{display:flex;justify-content:flex-end;flex:1}.aon-country-selector .aon-tray-layouts__left{padding-top:var(--spacer-40);padding-bottom:var(--spacer-40);--grid-gap:0 var(--spacer-32)}.aon-country-selector .aon-tray-layouts__left--header{grid-column:span 4;padding-right:0}@media screen and (min-width:650px){.global-header__mega-sub-menu-title-lang{padding-left:var(--spacer-40)}.search-nav-zero-state .search-hero-form-input-icon{width:var(--spacer-40);height:var(--spacer-40)}.search-nav-zero-state,.search-recommend{padding:var(--spacer-48) var(--spacer-40)}.search-autosuggest__list{padding-bottom:var(--spacer-48)}.search-autosuggest{bottom:var(--spacer-48);padding:0 var(--spacer-40)}.aon-country-selector .aon-tray-layouts__left--header{grid-column:6/1}}.aon-country-selector .aon-tray-layouts__left--guide{font-size:1.4rem;line-height:2.2rem;color:var(--aon-navy);margin-bottom:var(--spacer-24)}@media screen and (min-width:1200px){.aon-country-selector__sub-menu,.aon-country-selector__sub-menu .aon-tray-layouts__left{height:calc(100vh - var(--height-full-size))}.aon-country-selector__sub-menu{top:var(--height-full-size);background-color:var(--aon-white)}.global-header__mega-sub-menu-title-lang{line-height:3.2rem}.search-nav-zero{top:var(--height-full-size);height:calc(100vh - var(--height-full-size))}.search-nav-zero-state{padding:var(--spacer-48)}.search-autosuggest{padding:0 var(--spacer-48)}.search-recommend{padding:var(--spacer-64) var(--spacer-48)}.popular-searches{grid-column:span 5}.popular-searches__list{margin-top:var(--spacer-40)}.popular-searches__item+.popular-searches__item{margin-top:var(--spacer-16)}.top-insights{grid-column:7/12;display:grid;--grid-columns:5;--grid-gap:var(--spacer-40)}.aon-country-selector .aon-tray-layouts{position:initial}.aon-country-selector .aon-tray-layouts__left{position:sticky;top:0;padding-top:var(--spacer-80);padding-bottom:var(--spacer-48);--grid-gap:var(--spacer-32)}.aon-country-selector .aon-tray-layouts__left--header{grid-column:span 3;padding-right:0;position:sticky;top:var(--spacer-80)}.aon-country-selector .aon-tray-layouts__left--guide{margin-bottom:var(--spacer-8)}}.aon-country-selector .aon-tray-layouts__left--button{display:flex;flex-direction:column;justify-content:end;grid-column:span 4;padding-top:var(--spacer-40)}.aon-country-selector .aon-tray-layouts__left--title{margin:0}.aon-country-selector .aon-tray-layouts__right{padding-top:var(--spacer-24);padding-bottom:var(--spacer-24)}.aon-country-selector .aon-tray-layouts__right .accordion-block{grid-column:span 8;margin-top:0;margin-bottom:0;border-bottom:none}.aon-country-selector__list{grid-gap:0}.aon-country-selector__item{display:flex;flex-wrap:wrap;align-items:center;column-gap:var(--spacer-8);font-size:1.4rem;line-height:2.2rem;font-weight:700;color:var(--aon-navy)}.aon-country-selector__item:not(:last-child){margin-bottom:var(--spacer-8)}.aon-country-selector__language{text-decoration:none;font-size:1.4rem;line-height:2.2rem;color:var(--aon-gray-02);font-weight:400;background:linear-gradient(to right,var(--aon-signature-red),var(--aon-signature-red));background-size:0 .1rem;background-repeat:no-repeat;background-position:0 100%;margin-right:var(--spacer-8)}.aon-country-selector .accordion-block__icon{flex:0 0 var(--spacer-40);height:var(--spacer-40)}.aon-gate-content__form{row-gap:var(--spacer-40)!important}@media screen and (min-width:650px){.aon-country-selector .aon-tray-layouts__left--button{grid-column:6/1;padding-top:var(--spacer-24)}.aon-country-selector .aon-tray-layouts__right{padding-top:var(--spacer-40);padding-bottom:var(--spacer-40)}.aon-country-selector__list{column-count:2;grid-gap:0 var(--spacer-32)}.aon-gate-content__container{--grid-gap:var(--spacer-32);--grid-columns:8}.aon-gate-content__title{font-size:3.6rem;line-height:4rem}}.aon-gate-content__content{position:relative;grid-column:1/-1}@media screen and (min-width:1200px){.aon-country-selector .aon-tray-layouts__left--button{grid-column:span 4;padding-right:var(--spacer-80);position:fixed;bottom:var(--spacer-48)}.aon-gate-content__container,.aon-gate-content__modal{background-color:var(--aon-navy)}.aon-country-selector .aon-tray-layouts__right{padding-top:var(--spacer-80);padding-bottom:var(--spacer-80)}.aon-country-selector__list{column-count:3;grid-gap:0 var(--spacer-40)}.aon-gate-content__container{--grid-gap:var(--spacer-40);--grid-columns:12;padding:var(--spacer-80) var(--grid-gap);min-height:100vh;align-items:center}.aon-gate-content__content{grid-column:2/12;display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);--grid-columns:10!important;height:fit-content}}@media screen and (min-width:1200px) and (min-width:650px){.aon-gate-content__content{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:1200px) and (min-width:1200px){.aon-homepage-hero__content-wrapper{padding-left:var(--spacer-48);padding-right:var(--spacer-48);--grid-gap:var(--spacer-40);--grid-columns:12}.aon-gate-content__content,.aon-lead-modal__form,.aon-lead-modal__form-section{--grid-gap:var(--spacer-40);--grid-columns:12}}.aon-gate-content__sidebar--header{grid-column:-1/1!important;margin-top:0}.aon-gate-content__sidebar--header .aon-gate-content__download-text{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:1.6rem;line-height:2rem;margin-top:0;color:var(--aon-gray-01);margin-bottom:var(--spacer-16)}.aon-gate-content__sidebar{padding:var(--spacer-80) var(--grid-gap) var(--spacer-40)}@media screen and (min-width:1200px){.aon-gate-content__sidebar{padding:var(--spacer-80) var(--grid-gap) var(--spacer-40) var(--spacer-48)}.aon-gate-content__title{font-size:4rem;line-height:4.4rem}}@media screen and (min-width:1900px){.aon-gate-content__sidebar--header .aon-gate-content__download-text,.search-recommend__title,.top-insights__text,.top-insights__title{font-size:1.8rem;line-height:2.2rem}.popular-searches{grid-column:span 4}.popular-searches__item{font-size:2.8rem;line-height:3.2rem}.top-insights__article{grid-column:span 2}.aon-country-selector .aon-tray-layouts__left--guide,.aon-country-selector__item,.aon-country-selector__language{font-size:1.6rem;line-height:2.4rem}.aon-country-selector .aon-tray-layouts__left--button{grid-column:span 3;padding-right:0}.aon-gate-content__title{font-size:4.8rem;line-height:5.2rem}}.aon-gate-content__success-content .title,.aon-gate-content__title--small{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:3.2rem;line-height:3.6rem}.aon-gate-content__title--large{display:none}.aon-gate-content__form-container{padding:var(--spacer-40) var(--grid-gap)}.aon-gate-content__modal-nav-sticky{display:flex;justify-content:space-between;background-color:var(--aon-gray-07)}.aon-gate-content__form-legal{margin-top:0;margin-bottom:var(--spacer-40)}.aon-gate-content__X-button{top:var(--spacer-24);right:var(--spacer-24)}.aon-gate-content__X-button--large{display:none}.aon-gate-content__success-icon{grid-column:span 1;color:var(--aon-teal-dark);margin-bottom:var(--spacer-24);width:var(--spacer-80);height:var(--spacer-80)}@media screen and (min-width:650px){.aon-gate-content__title--small{font-size:3.6rem;line-height:4rem}.aon-gate-content__X-button{top:var(--spacer-32);right:var(--spacer-32)}.aon-gate-content__success-content{display:grid;--grid-gap:var(--spacer-24);--grid-columns:4;grid-template-columns:repeat(var(--grid-columns),1fr);gap:var(--grid-gap);row-gap:0}.aon-gate-content__success-content .title{font-size:3.6rem;line-height:4rem}}@media screen and (min-width:650px) and (min-width:650px){.aon-gate-content__success-content{--grid-gap:var(--spacer-32);--grid-columns:8}}@media screen and (min-width:650px) and (min-width:1200px){.aon-gate-content__success-content{--grid-gap:var(--spacer-40);--grid-columns:12}}.aon-gate-content__success-content .title{grid-column:1/-1;margin-bottom:var(--spacer-24)}@media screen and (min-width:1200px){.aon-gate-content__title--small{font-size:4rem;line-height:4.4rem;display:none}.aon-gate-content__X-button--large,.aon-gate-content__success-content,.aon-gate-content__title--large{display:block}.aon-gate-content__form-container{padding:11.5rem 0;--grid-columns:6}.aon-gate-content__X-button--small,.aon-gate-content__modal-nav-sticky{display:none}.aon-gate-content__X-button,.aon-gate-content__X-button--large{top:var(--spacer-40);right:var(--spacer-40)}.aon-gate-content__success-icon{margin-bottom:var(--spacer-32)}.aon-gate-content__success-content .title{font-size:4rem;line-height:4.4rem}}@media screen and (min-width:1900px){.aon-gate-content__success-content .title,.aon-gate-content__title--small{font-size:4.8rem;line-height:5.2rem}}@media screen and (min-width:1200px){.aon-gate-content__success-content .title{font-family:var(--title-font-family);font-style:normal;font-weight:700;letter-spacing:0;font-size:2.8rem;line-height:3.2rem}}@media screen and (min-width:1200px) and (min-width:650px){.aon-gate-content__success-content .title{font-size:3.2rem;line-height:3.6rem}}@media screen and (min-width:1200px) and (min-width:1900px){.aon-homepage-hero__scroll-loader p,.aon-homepage-hero__section-navigation .thumbnail__content p,.global-header__mega-menu-link{font-size:1.8rem;line-height:2.2rem}.global-header__contact a,.global-header__link{font-size:1.6rem;line-height:2.4rem}.aon-gate-content__success-content .title{font-size:3.8rem;line-height:4rem}}.aon-gate-content__success-content .description{grid-column:span 6;margin-bottom:var(--spacer-48);color:var(--aon-gray-02)}.aon-gate-content__success-content .aon-button{width:100%}.aon-gate-content__success-form{row-gap:0!important;padding:var(--spacer-48) var(--spacer-24)}.aon-gate-content__success-form-container{padding:8.8rem 0 0}.aon-gate-content__success-sidebar{padding:var(--spacer-24);display:none}@media screen and (min-width:650px){.aon-gate-content__success-content .description{margin-bottom:var(--spacer-40)}.aon-gate-content__success-content .aon-button{grid-column:1/-1;width:fit-content}.aon-gate-content__success-form{padding:var(--spacer-48) var(--spacer-40)}.aon-gate-content__success-form-container{padding:10rem 0 0}.aon-gate-content__success-sidebar{padding:var(--spacer-32) var(--spacer-40)}}.aon-gate-content__success-sidebar .aon-gate-content__sidebar--header{display:flex;justify-content:space-between}.aon-gate-content__success-sidebar .aon-gate-content__download-text,.global-header__languages .aon-country-selector__sub-menu,.global-header__mask,.global-header__mask-item,.global-header__mega-sub-menu,.global-header__search .search-nav-zero{display:none}.aon-gate-content__sidebar--description{grid-column:1/-1}@media screen and (min-width:1200px){.aon-gate-content__success-form{padding:0}.aon-gate-content__success-form-container{padding:var(--spacer-80) 0 var(--spacer-128)}.aon-gate-content__success-sidebar{display:block;padding:var(--spacer-80) var(--grid-gap) var(--spacer-128) var(--spacer-48)}.aon-gate-content__sidebar--description,.aon-gate-content__success-sidebar .aon-gate-content__download-text,.aon-gate-content__success-sidebar .aon-gate-content__sidebar--header{display:block}}.aon-switch{display:inline-block;min-width:4.2rem;width:4.2rem;height:var(--spacer-24)}.aon-switch input[type=checkbox]{opacity:0;width:0;height:0}.aon-switch .aon-slider{position:absolute;top:0;left:0;right:0;bottom:0;background-color:var(--aon-gray-03)}.aon-switch .aon-slider:before{position:absolute;content:"";height:1.2rem;width:1.2rem;left:.6rem;bottom:.6rem;background-color:var(--aon-white)}.aon-switch .aon-slider.aon-round{border-radius:10rem;width:4.2rem;outline:transparent solid .2rem}.aon-switch .aon-slider.aon-round:before{border-radius:50%}.aon-switch__description-group{display:flex}.aon-switch__description-group .aon-switch__description{font-size:1.4rem;line-height:2.2rem;margin-left:var(--spacer-16);color:var(--aon-navy)}@media screen and (min-width:1900px){.aon-switch__description-group .aon-switch__description{font-size:1.6rem;line-height:2.4rem}}.aon-switch__description-group .aon-switch__description strong{font-weight:500} </style><style> .global-header__languages .aon-country-selector__sub-menu,.global-header__mask,.global-header__mask-item,.global-header__mega-sub-menu,.global-header__search .search-nav-zero{display:none}body.aon-lib-loaded .global-header__languages .aon-country-selector__sub-menu,body.aon-lib-loaded .global-header__mask,body.aon-lib-loaded .global-header__mask-item,body.aon-lib-loaded .global-header__search .search-nav-zero{display:block} </style><link href="/lib/aon-lib.main.css?v=RT6cM42jpt88DDb0sOUrUVzLHgMYpNTVWk4Si75u5HQ1" rel="stylesheet" media="all"/><script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://metrics.aon.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-T2WF8R7');</script></head><body class="has-global-header"><div id="__next"> <h1 style="display:none">Health and Benefits</h1>  <noscript> <iframe src="https://metrics.aon.com/ns.html?id=GTM-T2WF8R7" height="0" width="0" style="display:none;visibility:hidden"></iframe> </noscript>  <div data-component=""> <header class="global-header" data-component="GlobalHeader">  <nav class="global-header__nav">  <div class="global-header__icon"> <a href="/en/" tabindex="0"> <svg class="aon-logo" aria-label="AON logo" viewBox="0 0 95 36" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#aon-logo"></use> </svg> </a> </div> <ul class="global-header__mega-menu " data-component="NavList"> <li class="global-header__mega-menu-item"> <a href="/en/capabilities" tabindex="0" class="global-header__mega-menu-link" data-nav-index="0"> Capabilities <svg class="aon-icon aon-icon__chevron-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-right"></use> </svg> </a> <div class="global-header__mega-sub-menu-title"> <svg class="aon-icon aon-icon__chevron-left" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-left"></use> </svg> Capabilities </div> <section class="global-header__mega-sub-menu" style="translate:none;rotate:none;scale:none;transform:translate(-100%, 0px)"> <div class="container aon-tray-layouts solutions-tray" data-component="SolutionsTray"> <div class="aon-tray-layouts__left aon-tray-layouts__left--theme-light-gray"> <div class="aon-tray-layouts__left--header aon-solutions-tray-right__header"> <h4 class="aon-tray-layouts__left--title fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> What we do. </h4> <p class="aon-tray-layouts__left--subtitle fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> Through our global expertise across two key areas of need ― Risk Capital and Human Capital ― our clients are better advised within, and across, their risk and people strategies. </p> <div class="aon-tray-layouts__left--button fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> <a href="/en/capabilities" class="aon-button aon-button__secondary aon-button__secondary--red" aria-label="Browse All Capabilities" data-nav="0-0" tabindex="-1"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">Browse All Capabilities</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </div> </div> <div class="solutions-tray-topics aon-tray-layouts__right"> <div class="aon-tray-layouts__right--content"> <div class="aon-industries-tray" data-component="IndustriesTray"> <ul class="aon-industries-tray__list fade-in-left"> <p class="aon-industries-tray__title"> Risk Capital </p> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/risk-transfer" data-nav="1-1" tabindex="-1"> <h6>Broking and Risk Transfer</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/claim-management" data-nav="1-1" tabindex="-1"> <h6>Claim Management</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/reinsurance" data-nav="1-1" tabindex="-1"> <h6>Reinsurance</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/risk-analytics" data-nav="1-1" tabindex="-1"> <h6>Risk Analytics</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/risk-management" data-nav="1-1" tabindex="-1"> <h6>Risk Management</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/risk-retention" data-nav="1-1" tabindex="-1"> <h6>Risk Retention</h6> </a> </li> </ul> <ul class="aon-industries-tray__list fade-in-left"> <p class="aon-industries-tray__title"> Human Capital </p> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/health-and-benefits" data-nav="1-1" tabindex="-1"> <h6>Health and Benefits</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/human-capital-analytics" data-nav="1-1" tabindex="-1"> <h6>Human Capital Analytics</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/investments" data-nav="1-1" tabindex="-1"> <h6>Investments</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/pensions-and-retirement" data-nav="1-1" tabindex="-1"> <h6>Pensions and Retirement</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/talent-and-rewards" data-nav="1-1" tabindex="-1"> <h6>Talent and Rewards</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/capabilities/workplace-wellbeing" data-nav="1-1" tabindex="-1"> <h6>Workplace Wellbeing</h6> </a> </li> </ul> </div> </div> </div> </div> </section> <div class="global-header__mask-item" style="display:none;left:330px;right:calc(100vw - 562px)"></div> </li> <li class="global-header__mega-menu-item"> <a href="/en/industries" tabindex="0" class="global-header__mega-menu-link" data-nav-index="0"> Industries <svg class="aon-icon aon-icon__chevron-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-right"></use> </svg> </a> <div class="global-header__mega-sub-menu-title"> <svg class="aon-icon aon-icon__chevron-left" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-left"></use> </svg> Industries </div> <section class="global-header__mega-sub-menu" style="translate:none;rotate:none;scale:none;transform:translate(-100%, 0px)"> <div class="container aon-tray-layouts industries-tray" data-component="IndustriesTray"> <div class="aon-tray-layouts__left aon-tray-layouts__left--theme-light-gray"> <div class="aon-tray-layouts__left--header aon-industries-tray__header"> <h4 class="aon-tray-layouts__left--title fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> Insights and advice, tailored to your needs. </h4> <p class="aon-tray-layouts__left--subtitle fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> While we all face many of the same challenges and opportunities, every industry is different and requires dedicated expertise. </p> <div class="aon-tray-layouts__left--button fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> <a href="/en/industries" class="aon-button aon-button__secondary aon-button__secondary--red" aria-label="View All Industries" data-nav="0-0" tabindex="-1"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">View All Industries</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </div> </div> <div class="aon-tray-layouts__right"> <div class="aon-tray-layouts__right--content"> <div class="aon-industries-tray" data-component="IndustriesTray"> <ul class="aon-industries-tray__list fade-in-left"> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/construction-and-real-estate" data-nav="1-1" tabindex="-1"> <h6>Construction and Real Estate</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/financial-institutions" data-nav="1-1" tabindex="-1"> <h6>Financial Institutions</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/financial-sponsors" data-nav="1-1" tabindex="-1"> <h6>Financial Sponsors</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/food-agribusiness-and-beverage" data-nav="1-1" tabindex="-1"> <h6>Food, Agribusiness and Beverage</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/healthcare-providers-and-services" data-nav="1-1" tabindex="-1"> <h6>Healthcare Providers and Services</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/hospitality-travel-and-leisure" data-nav="1-1" tabindex="-1"> <h6>Hospitality, Travel and Leisure</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/industrials-and-manufacturing" data-nav="1-1" tabindex="-1"> <h6>Industrials and Manufacturing</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/insurance" data-nav="1-1" tabindex="-1"> <h6>Insurance</h6> </a> </li> </ul> <ul class="aon-industries-tray__list fade-in-left"> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/life-sciences" data-nav="1-1" tabindex="-1"> <h6>Life Sciences</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/natural-resources" data-nav="1-1" tabindex="-1"> <h6>Natural Resources</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/professional-and-business-services" data-nav="1-1" tabindex="-1"> <h6>Professional and Business Services</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/public-sector" data-nav="1-1" tabindex="-1"> <h6>Public Sector</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/retail-and-consumer-goods" data-nav="1-1" tabindex="-1"> <h6>Retail and Consumer Goods</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/sports-and-entertainment" data-nav="1-1" tabindex="-1"> <h6>Sports and Entertainment</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/technology-media-and-communications" data-nav="1-1" tabindex="-1"> <h6>Technology, Media and Communications</h6> </a> </li> <li class="aon-industries-tray__item"> <a class="aon-industries-tray__link" href="/en/industries/transportation-and-logistics" data-nav="1-1" tabindex="-1"> <h6>Transportation and Logistics</h6> </a> </li> </ul> </div> </div> </div> </div> </section> <div class="global-header__mask-item" style="display:none;left:330px;right:calc(100vw - 562px)"></div> </li> <li class="global-header__mega-menu-item"> <a href="/en/insights" tabindex="0" class="global-header__mega-menu-link" data-nav-index="0"> Insights <svg class="aon-icon aon-icon__chevron-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-right"></use> </svg> </a> <div class="global-header__mega-sub-menu-title"> <svg class="aon-icon aon-icon__chevron-left" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-left"></use> </svg> Insights </div> <section class="global-header__mega-sub-menu" style="translate:none;rotate:none;scale:none;transform:translate(-100%, 0px)"> <div class="container aon-tray-layouts insights-tray" data-component="InsightsTray"> <div class="aon-tray-layouts__left aon-tray-layouts__left--theme-light-gray"> <div class="aon-tray-layouts__left--header aon-insights-tray-right__header"> <h4 class="aon-tray-layouts__left--title fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> Discover new insights from Aon. </h4> <p class="aon-tray-layouts__left--subtitle fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> From navigating climate change to workforce resilience, today’s leaders need access to powerful insights to make better decisions. </p> <div class="aon-tray-layouts__left--button fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> <a href="/en/insights" class="aon-button aon-button__secondary aon-button__secondary--red" aria-label="View All Insights" data-nav="0-0" tabindex="-1"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">View All Insights</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </div> </div> <div class="aon-tray-layouts__right"> <div class="aon-tray-layouts__right--content"> <div class="aon-about-tray" data-component="AboutTray"> <div class="aon-about-tray__group fade-in-left"> <p class="aon-about-tray__title"> Featured Topics </p> <ul class="aon-about-tray__list"> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/insights/trade"> <h6>Trade</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/insights/technology"> <h6>Technology</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/insights/weather"> <h6>Weather</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/insights/workforce"> <h6>Workforce</h6> </a> </li> </ul> <a href="/en/insights" class="aon-button aon-button__tertiary aon-button__tertiary--navy insights-view-all fade-in-left"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">More Insights</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </div> </div> </div> </div> </section> <div class="global-header__mask-item" style="display:none;left:330px;right:calc(100vw - 562px)"></div> </li> <li class="global-header__mega-menu-item"> <a href="/en/about" tabindex="0" class="global-header__mega-menu-link" data-nav-index="0"> About <svg class="aon-icon aon-icon__chevron-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-right"></use> </svg> </a> <div class="global-header__mega-sub-menu-title"> <svg class="aon-icon aon-icon__chevron-left" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-left"></use> </svg> About </div> <section class="global-header__mega-sub-menu" style="translate:none;rotate:none;scale:none;transform:translate(-100%, 0px)"> <div class="container aon-tray-layouts about-tray" data-component="AboutTray"> <div class="aon-tray-layouts__left aon-tray-layouts__left--theme-light-gray"> <div class="aon-tray-layouts__left--header aon-about-tray__header"> <h4 class="aon-tray-layouts__left--title fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> Aon is in the business of better decisions. </h4> <p class="aon-tray-layouts__left--subtitle fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> We exist to shape decisions for the better — to protect and enrich the lives of people around the world. </p> <div class="aon-tray-layouts__left--button fade-in-left" style="translate:none;rotate:none;scale:none;opacity:0;transform:translate(-5rem, 0px)"> <a href="/en/about" class="aon-button aon-button__secondary aon-button__secondary--red" aria-label="Learn More" data-nav="0-0" tabindex="-1"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">Learn More</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </div> </div> <div class="aon-tray-layouts__right"> <div class="aon-tray-layouts__right--content"> <div class="aon-about-tray" data-component="AboutTray"> <div class="aon-about-tray__group fade-in-left"> <p class="aon-about-tray__title"> About Us </p> <ul class="aon-about-tray__list"> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about"> <h6>Our Story</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about/our-values"> <h6>Our Values</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about/our-impact"> <h6>Our Impact</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about/inclusion-and-diversity"> <h6>Inclusion and Diversity</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about/leadership-and-governance"> <h6>Leadership and Governance</h6> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="https://jobs.aon.com/"> <h6>Careers</h6> </a> </li> </ul> </div> <div class="aon-about-tray__group fade-in-left"> <p class="aon-about-tray__title"> Organizing Around Today's Biggest Client Needs </p> <ul class="aon-about-tray__list"> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about/risk-capital" data-nav="3-6" tabindex="-1"> <div class="aon-about-tray__card"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_152,w_270/https://assets.aon.com//-/media/images/aon/about/risk-capital-hero-banner.png"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/aon/about/risk-capital-hero-banner.png"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/aon/about/risk-capital-hero-banner.png"/><img class="aon-img aon-aspect-ratio--16-9 aon-about-tray__card-img" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_84,w_84/https://assets.aon.com//-/media/images/aon/about/risk-capital-hero-banner.png" alt="Risk Capital Hero Image" loading="lazy"/> </picture> <h6 class="aon-about-tray__card-title"> Risk Capital </h6> </div> </a> </li> <li class="aon-about-tray__item"> <a class="aon-about-tray__link" href="/en/about/human-capital" data-nav="3-6" tabindex="-1"> <div class="aon-about-tray__card"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_152,w_270/https://assets.aon.com//-/media/images/aon/about/human-capital-hero-banner.png"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/aon/about/human-capital-hero-banner.png"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/aon/about/human-capital-hero-banner.png"/><img class="aon-img aon-aspect-ratio--16-9 aon-about-tray__card-img" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_84,w_84/https://assets.aon.com//-/media/images/aon/about/human-capital-hero-banner.png" alt="Making Better People Decisions" loading="lazy"/> </picture> <h6 class="aon-about-tray__card-title"> Human Capital </h6> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <div class="global-header__mask-item" style="display:none;left:330px;right:calc(100vw - 562px)"></div> </li> </ul>  <section class="global-header__search"> <button aria-label="search" class="aon-icon__search"> <svg class="aon-icon" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-label="search"> <use xlink:href="/lib/icons/symbol-defs.svg#search"></use> </svg> </button> <div class="global-header__search-mask"></div> <div class="search-nav-zero" data-component="SearchAutoSuggest" data-redirect-url="/en/search"> <div class="search-nav-zero__inner"> <div class="search-nav-zero-state"> <div class="search-nav-zero-state__inner"> <h6 class="search-hero-search-bar__title"> How can we help you? </h6> <form class="search-hero-form" action="#"> <div class="search-hero-form-group"> <input type="text" placeholder="Search for insights, solutions and more" data-placeholder-large="Search for insights, solutions and more" data-placeholder-small="Search" role="combobox" aria-controls="searchSuggestion" aria-autocomplete="both" aria-haspopup="listbox" aria-expanded="false" class="search-autosuggest-input search-hero-form-input" value=""/> <button type="submit" aria-label="Submit button" class="search-hero-form-submit"> <div class="search-hero-form-input-icon"> <svg class="aon-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#search"></use> </svg> </div> </button> </div> </form> </div> <div role="presentation" class="search-autosuggest"> <ul class="search-autosuggest__list" id="searchSuggestion" role="listbox"></ul> </div> </div> <div class="search-recommend grid"> <div class="popular-searches"> <h6 class="search-recommend__title">Popular Searches</h6> <ul class="popular-searches__list"> <li class="popular-searches__item"> <a class="popular-searches__link" href="/en/search?searchStudioQuery=Insurance">Insurance</a> </li> <li class="popular-searches__item"> <a class="popular-searches__link" href="/en/search?searchStudioQuery=Benefits">Benefits</a> </li> <li class="popular-searches__item"> <a class="popular-searches__link" href="/en/search?searchStudioQuery=Pay Transparency">Pay Transparency</a> </li> <li class="popular-searches__item"> <a class="popular-searches__link" href="/en/search?searchStudioQuery=Parametrics">Parametrics</a> </li> <li class="popular-searches__item"> <a class="popular-searches__link" href="/en/search?searchStudioQuery=Risk Management">Risk Management</a> </li> </ul> </div> <div class="top-insights grid"> <div class="top-insights-header"> <h6 class="search-recommend__title">Top Insights</h6> <div class="view-all-insights"> <a href="/en/insights" class="aon-button aon-button__tertiary aon-button__tertiary--navy" aria-label="View All Insights"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">View All Insights</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </div> <ul class="top-insights__list"> <li class="top-insights__item"> <div class="top-insights__link"> <div class="top-insights__thumbnail"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_152,w_271/https://assets.aon.com//-/media/images/photos/industries/featured/insurance-1394456695_rt.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/photos/industries/featured/insurance-1394456695_rt.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/photos/industries/featured/insurance-1394456695_rt.jpg"/><img class="" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/photos/industries/featured/insurance-1394456695_rt.jpg" alt="CrowdStrike" loading="lazy"/> </picture> </div> <div class="top-insights__article"> <h6 class="top-insights__title">Alert</h6> <a href="/en/insights/alerts/responding-to-the-crowdstrike-it-outage" class="top-insights__text"> Better Decisions Brief: Responding to the CrowdStrike IT Outage </a> </div> </div> </li> <li class="top-insights__item"> <div class="top-insights__link"> <div class="top-insights__thumbnail"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_152,w_271/https://assets.aon.com//-/media/images/aon/insights/reports/2024/client-trends-hero-banner.png"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/aon/insights/reports/2024/client-trends-hero-banner.png"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/aon/insights/reports/2024/client-trends-hero-banner.png"/><img class="" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/aon/insights/reports/2024/client-trends-hero-banner.png" alt="Client Trends" loading="lazy"/> </picture> </div> <div class="top-insights__article"> <h6 class="top-insights__title">Report</h6> <a href="/en/insights/client-trends" class="top-insights__text"> 2024 Client Trends Report </a> </div> </div> </li> <li class="top-insights__item"> <div class="top-insights__link"> <div class="top-insights__thumbnail"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_152,w_271/https://assets.aon.com//-/media/images/photos/business/business-man-senior-executive-1326254031_rt.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/photos/business/business-man-senior-executive-1326254031_rt.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/photos/business/business-man-senior-executive-1326254031_rt.jpg"/><img class="" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_107,w_191/https://assets.aon.com//-/media/images/photos/business/business-man-senior-executive-1326254031_rt.jpg" alt="Decision Makers Survey" loading="lazy"/> </picture> </div> <div class="top-insights__article"> <h6 class="top-insights__title">Report</h6> <a href="/en/insights/reports/business-decision-maker-survey" class="top-insights__text"> 2024 Business Decision Maker Survey </a> </div> </div> </li> </ul> </div> </div> </div> </div> </section>  <section class="global-header__contact"> <a href="/en/contact-us-options" id="leadModalContactUs" data-component="LeadGenFormCta" data-form-title="Talking to Aon" data-datapass-capability="" data-datapass-solution_line="" data-datapass-lead_details="Aon.com" data-datapass-product_service=""> Contact Us </a> </section> <section class="global-header__links"> <ul> <li> <a href="https://jobs.aon.com/" target="_blank" tabindex="0" class="global-header__link">Careers</a> </li> <li> <a href="https://ir.aon.com/" target="_blank" tabindex="0" class="global-header__link">Investors</a> </li> <li> <a href="https://aon.mediaroom.com" target="_blank" tabindex="0" class="global-header__link">News</a> </li> </ul> </section> <section class="language-selector__button--in-nav"> <a href="/en/location-selector" class="global-header__languages-wrapper"> <svg class="aon-icon aon-icon__globe" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#globe"></use> </svg> Global <span class="language-selector__text-locale">EN</span> <svg class="aon-icon aon-icon__chevron-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-right"></use> </svg> </a> </section>   <section class="global-header__trigger-menu-wrapper"> <button aria-label="toggle menu" class="global-header__trigger-menu"> <div></div> <div></div> <div></div> </button> </section> <div class="global-header__mask"></div> </nav> </header>   <div class="aon-sticky-nav-wrapper " data-component="StickyNav" data-stickynav-article-selector="body" data-stickynav-title-selector=".introduction-title" data-stickynav-content-selector=".page-main" data-stickynav-sections-selector=".page-main section"> <div class="aon-sticky-nav aon-sticky-nav--jump"> <div class="aon-sticky-nav__title"> Health and Benefits </div> <div class="aon-sticky-nav__action"> <section class="content-dropdown" data-component="ContentDropdown"> <select> <option value="Our_Approach">Our Approach </option><option value="Our_Offerings">Our Offerings </option><option value="Our_Insights">Our Insights </option></select> </section> </div> </div> <div data-component="ProgressBar" aria-label="Progress Bar"></div> </div>  <main class="page-main">  <section class="aon-media-hero aon-media-hero__video aon-media-hero--theme-clarity" id="VideoLightbox" data-component=""> <div class="aon-media-hero__media aon-media-hero__media--image"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_1080,w_1920/https://assets.aon.com//-/media/images/photos/capabilities/banners/health-and-benefits-hero-02.png"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_810,w_1440/https://assets.aon.com//-/media/images/photos/capabilities/banners/health-and-benefits-hero-02.png"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_432,w_768/https://assets.aon.com//-/media/images/photos/capabilities/banners/health-and-benefits-hero-02.png"/><img class="aon-img" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_375,w_375/https://assets.aon.com//-/media/images/photos/capabilities/banners/health-and-benefits-hero-02.png" alt="Health and Benefits"/> </picture> </div> <div class="aon-media-hero__curtain"></div> <div class="aon-media-hero__panel">  <nav class="aon-breadcrumb" aria-label="Breadcrumb"> <ul> <li class="aon-breadcrumb__back"> <a href="/en/capabilities"> <svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-left"></use> </svg> Capabilities </a> </li> <li class="aon-breadcrumb__segment"> <a href="/en/capabilities">Capabilities</a> </li> <li class="aon-breadcrumb__segment" aria-current="page"> Health and Benefits </li> </ul> </nav>  <div class="aon-media-hero__main"> <h6 class="aon-media-hero__eyebrow">Capability Overview</h6> <h2 class="aon-media-hero__title"> Health and Benefits </h2> <p class="aon-media-hero__desc p2"> We believe taking care of your people’s health, with purpose, is taking care of your organization. </p> <div class="aon-media-hero__button"> <a href="/en/contact-us" data-component="LeadGenFormCta" id="leadModalMediaHero" class="aon-media-hero__cta aon-button aon-button__primary aon-button__primary--red" data-form-title="Health and Benefits" data-datapass-capability="Health and Benefits" data-datapass-solution_line="Health Solutions" data-datapass-lead_details="Aon.com" data-datapass-product_service=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Contact Us</span> <svg class="aon-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </div> </div> </section>  <section class="container introduction introduction--read-more" data-component="Introduction"> <section class="introduction-content"> <section class="introduction-title"> <h3>Building Better Benefits</h3> </section> <section class="introduction-body"> <div class="richtext-editor-place"> <p>Healthcare costs are surging, and organizations are feeling the pressure as they strive to strike a balance between employee expectations and the financial sustainability of their benefits programs.</p> <p>Providing a benefits offering that meets the needs of every employee can feel out of reach when employee expectations are evolving and disparities - from affordability and accessibility to inclusivity and quality – exist across large segments of your workforce. </p> <p>You need more than a partner to help you solve these challenges. You need a visionary ally that will work alongside you to deliver better benefits for your people, while curbing the financial impact on your organization. </p> <p>That’s where we come in. We believe taking care of your people’s health, with purpose, is taking care of your organization. </p> <h4>Our approach</h4> <p><strong>Transform data and insights into practical, innovative, and financially sustainable solutions that support your organizational objectives.</strong> Our advanced data platforms and award-winning analytics solutions identify opportunities to improve health and benefits outcomes, predict risks and model options to reduce the financial impact, and validate vendor performance to ensure value add for investment. </p> <p><strong>Lean on our connected and coordinated service model to comprehensively address your organization’s unique makeup and needs.</strong> Solving today’s challenges require deep expertise across the landscape of pharmacy, clinical management, care delivery, employee engagement, wellbeing, time away, compliance, actuarial, and vendor performance management. Our experts come together to determine the most impactful way to help you tackle affordability, accessibility, inclusivity and quality.</p> <p><strong>Emphasize practical innovation to bring timely, relevant solutions to expand the options for addressing your most pressing problems. </strong>Our market-leading solutions drive better financing, design strategy, purchasing and health management decisions that expand choice, close affordability gaps, deliver a more personalized experience and help employees and their families find quality healthcare providers and services.</p> <p><strong>Deliver a simple and engaging employee experience. </strong>Our innovative online benefit tools make it easier for employees to learn about their benefits and make better benefit decisions, positively impacting employee engagement and maximizing your return on benefits investment.</p> </div> </section> <div class="introduction-read-more"> <button aria-label="read more" aria-hidden="true" class="introduction-read-more__cta aon-button aon-button__primary aon-button__primary--navy"> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Read More</span> <svg class="aon-icon aon-icon__add" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#add"></use> </svg> </span> </button> </div> <div class="introduction-show-less"> <button aria-label="show less" aria-hidden="true" class="introduction-show-less__cta aon-button aon-button__primary aon-button__primary--navy"> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Show Less</span> <svg class="aon-icon aon-icon__minus" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#minus"></use> </svg> </span> </button> </div> </section> <section class="introduction-siderail"> <section class="introduction-jump-links"> <h6>Jump to Section</h6> <ol> <li> <p> <a href="#Our_Approach">Our Approach</a> </p> </li> <li> <p> <a href="#Our_Offerings">Our Offerings</a> </p> </li> <li> <p> <a href="#Our_Insights">Our Insights</a> </p> </li> </ol> </section> </section> </section>  <div class="rich-media rich-media--theme-white " id="video"> <figure class="aon-rich-media--image aon-figure"> <section class="aon-video" data-component="Video" data-account="1509269527" data-player="zOZv7cqhu0" data-embed="default" data-video-id="6362495582112" data-video-class="vjs-fluid"></section> </figure> </div>  <section class="container super-component super-component--3-cards super-component--theme-navy" id="Our_Approach"> <section class="super-component__header"> <h3 class="super-component__header--title"> We support better outcomes through exceptional client experience, swift execution and dedication to continuous improvement. </h3> </section> <ul class="super-component__contents list-content-cards"> <li class="super-component__item"> <article class="content-card"> <a class="content-card__topper content-card__topper--icon"> <svg class="aon-icon aon-icon__server" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#search-data-01"></use> </svg> </a> <a class="content-card__title"> <h6> Insights: Data and Analytics </h6> </a> <p class="content-card__description"> Data-driven diagnostics, benchmarking and predictive analytics </p> </article> </li> <li class="super-component__item"> <article class="content-card"> <a class="content-card__topper content-card__topper--icon"> <svg class="aon-icon aon-icon__server" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#brain-wave"></use> </svg> </a> <a class="content-card__title"> <h6> Strategy: Consulting and Broking </h6> </a> <p class="content-card__description"> Expert insights and best practice broking </p> </article> </li> <li class="super-component__item"> <article class="content-card"> <a class="content-card__topper content-card__topper--icon"> <svg class="aon-icon aon-icon__server" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#wearable-tech"></use> </svg> </a> <a class="content-card__title"> <h6> Benefits Experience: Engagement and Technology </h6> </a> <p class="content-card__description"> Personalized, simple and engaging employee experiences </p> </article> </li> </ul> </section>  <section class="aon-cat-tiles" data-component="CategorizedTiles" id="Our_Offerings"> <h5 class="aon-cat-tiles__header"> Explore Our Health and Benefits Offerings </h5> <div class="aon-cat-tiles__body active" data-component="AccordionBlock" data-is-active-on-multi-items="true" data-persist="true"> <details class="aon-cat-tile accordion-block__details aon-cat-tile--active" open=""> <summary class="aon-cat-tile__header accordion-block__toggle" aria-label="Clickable element"> <h4 class="aon-cat-tile__header-title"> Data and Analytics <span class="aon-cat-tile__header-count">(4)</span> </h4> <div class="aon-cat-tile__header-desc">4 Solutions</div> <div class="aon-cat-tile__toggle"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" title="dropdown icon"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> </summary> <div class="aon-cat-tile__body"> <div class="aon-cat-tile__summary"> <p> The ability to use data and analytics to enable better decision-making has never been more important for people leaders. By working with Aon, you will have the clarity and confidence to build an informed and optimized health and benefits strategy for your organization. </p> </div> <div class="aon-cat-tile-grid"> <ul class="aon-cat-tile-grid__content"> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Benefits Insights and Analytics </h6> <p class="aon-cat-tile-card__summary"> Our proprietary analytics and algorithms assess data around employee health information, insurance claims, workplace safety and engagement metrics, as well as non-traditional data such as program management, providing the insight needed to optimize benefit investments and improve health outcomes. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/benefits-insights-and-analytics" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Employee Benefits Benchmarking </h6> <p class="aon-cat-tile-card__summary"> Comprehensive benefits benchmarking helps employers understand how competitive their health and benefits offerings are and how their cost drivers and health outcomes compare to their peers, providing valuable insight into areas of strength and opportunities to improve. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/employee-benefits-benchmarking" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Health Risk Analyzer </h6> <p class="aon-cat-tile-card__summary"> Health Risk Analyzer is a predictive model from Aon that leverages the power of data, analytics and machine learning to forecast future medical and pharmacy claims risk within an organization. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/health-risk-analyzer" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Integrated Analytics Intelligence </h6> <p class="aon-cat-tile-card__summary"> With a holistic, data-driven view of your organization, Integrated Analytics Intelligence helps identify cost savings, maximize investments and achieve better outcomes for you and your members. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/integrated-analytics-intelligence" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> </ul> <div class="aon-cat-tile-grid__content--mobile"> <ul class="tiles-list"> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/benefits-insights-and-analytics" class="tiles-list__link">Benefits Insights and Analytics</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/employee-benefits-benchmarking" class="tiles-list__link">Employee Benefits Benchmarking</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/health-risk-analyzer" class="tiles-list__link">Health Risk Analyzer</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/integrated-analytics-intelligence" class="tiles-list__link">Integrated Analytics Intelligence</a> </li> </ul> </div> </div> </div> </details> <details class="aon-cat-tile accordion-block__details "> <summary class="aon-cat-tile__header accordion-block__toggle" aria-label="Clickable element"> <h4 class="aon-cat-tile__header-title"> Consulting and Broking <span class="aon-cat-tile__header-count">(7)</span> </h4> <div class="aon-cat-tile__header-desc">7 Solutions</div> <div class="aon-cat-tile__toggle"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" title="dropdown icon"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> </summary> <div class="aon-cat-tile__body"> <div class="aon-cat-tile__summary"> <p> We provide support to ensure your benefits are appropriately designed and managed. Using our strategic insights, extensive data and analytics capabilities, and innovative solutions, we help companies optimize benefits spend by mitigating risk and reducing cost while supporting employee needs. </p> </div> <div class="aon-cat-tile-grid"> <ul class="aon-cat-tile-grid__content"> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Global Benefits </h6> <p class="aon-cat-tile-card__summary"> Multinational companies face unique challenges in managing employee benefits. Our specialists help design, develop and deliver employee benefit programs for multinationals that optimize the employee experience while balancing costs and operational objectives. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/global-benefits" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Employee Benefits Consulting and Broking </h6> <p class="aon-cat-tile-card__summary"> An employee benefits consultant and broker can help you achieve your benefit goals related to controlling costs, ensuring compliance, attracting and retaining talent, and reducing administrative burden. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/employee-benefits-consulting-and-broking" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Executive Benefits </h6> <p class="aon-cat-tile-card__summary"> Executive benefits are a thoughtful and strategic approach to creating attractive packages for key personnel. Not just for executives, these programs are structured to provide sufficient income protection and retirement savings for employees earning above the group or qualified plan limits. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/executive-benefits" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Executive Benefits for Law Firms </h6> <p class="aon-cat-tile-card__summary"> Executive benefits for law firms are a thoughtful and strategic approach to creating attractive packages focused on supporting the unique needs of law firms. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/executive-benefits-for-law-firms" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Equity in Employee Benefits </h6> <p class="aon-cat-tile-card__summary"> Aon supports companies in designing employee benefits plans, programs and services to deliver on their DEI strategies and objectives. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/equity-in-employee-benefits" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Pharmacy Benefit Consulting </h6> <p class="aon-cat-tile-card__summary"> Pharmacy benefit consulting solutions offered by Aon help employers, labor and trust organizations, health systems, and health plans improve their pharmacy (Rx) benefits management decisions and outcomes. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/pharmacy-benefit-consulting" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Voluntary Employee Benefits </h6> <p class="aon-cat-tile-card__summary"> Voluntary benefits offer valuable coverage for health and care, financial wellbeing and personal protection. Voluntary benefits can help offset out-of-pocket medical costs, fill in the gaps in the event of death or disability, or protect from identity theft or legal vulnerability. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/voluntary-employee-benefits" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> </ul> <div class="aon-cat-tile-grid__content--mobile"> <ul class="tiles-list"> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/global-benefits" class="tiles-list__link">Global Benefits</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/employee-benefits-consulting-and-broking" class="tiles-list__link">Employee Benefits Consulting and Broking</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/executive-benefits" class="tiles-list__link">Executive Benefits</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/executive-benefits-for-law-firms" class="tiles-list__link">Executive Benefits for Law Firms</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/equity-in-employee-benefits" class="tiles-list__link">Equity in Employee Benefits</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/pharmacy-benefit-consulting" class="tiles-list__link">Pharmacy Benefit Consulting</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/voluntary-employee-benefits" class="tiles-list__link">Voluntary Employee Benefits</a> </li> </ul> </div> </div> </div> </details> <details class="aon-cat-tile accordion-block__details "> <summary class="aon-cat-tile__header accordion-block__toggle" aria-label="Clickable element"> <h4 class="aon-cat-tile__header-title"> Engagement and Technology <span class="aon-cat-tile__header-count">(3)</span> </h4> <div class="aon-cat-tile__header-desc">3 Solutions</div> <div class="aon-cat-tile__toggle"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" title="dropdown icon"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> </summary> <div class="aon-cat-tile__body"> <div class="aon-cat-tile__summary"> <p> As employee benefits expectations continue to expand, the need for a highly personalized, simple and engaging digital experience becomes more important. Leveraging predictive analytics, generative AI and online benefits platforms, we can help drive value, simplify choice and optimize spend. </p> </div> <div class="aon-cat-tile-grid"> <ul class="aon-cat-tile-grid__content"> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Employee Benefits Engagement </h6> <p class="aon-cat-tile-card__summary"> We provide innovative solutions and tools that make it easier for employees to learn about their benefits and make better benefit decisions, positively impacting employee health and wellbeing, as well as maximizing return on benefits investment. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/employee-benefits-engagement" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Employee Benefits Enrollment </h6> <p class="aon-cat-tile-card__summary"> Aon provides solutions and tools that make it easier for employees to learn about their benefits and make better benefit decisions, positively impacting your employees' financial and emotional wellbeing. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/employee-benefits-enrollment" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> <li class="aon-cat-tile-grid__item aon-cat-tile-card"> <div class="aon-cat-tile-card__inner"> <h6 class="aon-cat-tile-card__header"> Online Benefits Platforms </h6> <p class="aon-cat-tile-card__summary"> In today’s digital world, organizations need a compelling online benefits experience that appeals to multiple generations and attracts and retains talent. Online benefit platforms enable companies to deliver their benefits strategy effectively with a great employee experience. </p> </div> <div class="aon-cat-tile-card__cta"> <a href="/en/capabilities/health-and-benefits/online-benefits-platforms" class="aon-button aon-button__tertiary aon-button__tertiary--navy aon-button__link" datafileextension="" datafilename=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Find Out More</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </div> </li> </ul> <div class="aon-cat-tile-grid__content--mobile"> <ul class="tiles-list"> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/employee-benefits-engagement" class="tiles-list__link">Employee Benefits Engagement</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/employee-benefits-enrollment" class="tiles-list__link">Employee Benefits Enrollment</a> </li> <li class="tiles-list__item"> <a href="/en/capabilities/health-and-benefits/online-benefits-platforms" class="tiles-list__link">Online Benefits Platforms</a> </li> </ul> </div> </div> </div> </details> </div> </section>  <section class="container super-component super-component--4-cards super-component--theme-white" id="Employer_Challenges"> <section class="super-component__header"> <h3 class="super-component__header--title"> Four Key Challenges Employers are Facing Today </h3> </section> <ul class="super-component__contents list-content-cards"> <li class="super-component__item"> <article class="content-card"> <a class="content-card__topper content-card__topper--number content-card__topper--red"> <p>01</p> </a> <a class="content-card__title"> <h6> Cost and Affordability </h6> </a> <p class="content-card__description"> Health is declining, costs are skyrocketing, and workers have different needs. We use data insights and innovative solutions to help companies optimize benefits spend by mitigating risk and reducing cost while supporting employee needs. </p> </article> </li> <li class="super-component__item"> <article class="content-card"> <a class="content-card__topper content-card__topper--number content-card__topper--red"> <p>02</p> </a> <a class="content-card__title"> <h6> Health, Wellbeing and Productivity </h6> </a> <p class="content-card__description"> Poor health and wellbeing are fueling productivity loss. We help businesses identify and implement the benefits which provide access to the appropriate care, at the right time. Ensuring a balanced distribution of resources across prevention and treatment. </p> </article> </li> <li class="super-component__item"> <article class="content-card"> <a class="content-card__topper content-card__topper--number content-card__topper--red"> <p>03</p> </a> <a class="content-card__title"> <h6> Personalized, Digital Benefits </h6> </a> <p class="content-card__description"> Amid a competitive talent market, employee benefits expectations continue to expand - demanding highly personalized benefits delivered via simple and engaging digital experiences. Leveraging predictive analytics and generative AI, we can help drive value, simplify choice and optimize spend. </p> </article> </li> <li class="super-component__item"> <article class="content-card"> <a class="content-card__topper content-card__topper--number content-card__topper--red"> <p>04</p> </a> <a class="content-card__title"> <h6> Sustainable Benefits Strategies </h6> </a> <p class="content-card__description"> Growing demand is accelerating pressure on sustainability. We can help businesses build a sustainable benefits strategy, ensuring key areas such as diversity, equity, and inclusion, women’s health, and the impact of climate on health are considered. </p> </article> </li> </ul> </section>  <div class="aon-carousel aon-carousel-media homepage-animation-element aon-carousel--theme-navy container grid aon-carousel--3-up aon-carousel-media--16-9 aon-carousel--3-up-without-numbered" data-component="Carousel" id="Our_Insights"> <section class="aon-carousel__header"> <h3>Keep Exploring</h3> <p> Unlock new perspectives across our entire human capital portfolio by exploring the latest insights and research from our team. </p> <a href="/en/insights" class="aon-button aon-button__secondary aon-button__secondary--red" datafileextension="" datafilename="" role="button"> <span class="aon-button__wrapper-content"> <span class="aon-button__text">View All Insights</span> <svg class="aon-icon aon-arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"><use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use></svg> </span> </a> </section> <section class="aon-carousel__content" aria-label="Carousel"> <ul class="aon-carousel__slide list-content-cards"> <li class="aon-carousel__slide-item"> <article class="content-card"> <a href="https://www.aon.com/insights/articles/2023/how-employee-benefit-captives-can-accelerate-de-i-progress" target="_blank" class="content-card__topper content-card__topper--media"> <div class="overlay" aria-hidden="true" data-position="01"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_581,w_581/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-1396315043-2.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_421,w_421/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-1396315043-2.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_613,w_613/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-1396315043-2.jpg"/><img class="aon-img aon-aspect-ratio--1-1" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_283,w_283/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-1396315043-2.jpg" alt="Business Team Diversity" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text"> 10 Min Read </span> </p> <a href="https://www.aon.com/insights/articles/2023/how-employee-benefit-captives-can-accelerate-de-i-progress" class="content-card__title"> How Employee Benefit Captives Can Accelerate Diversity, Equity and Inclusion Progress </a> </article> </li> <li class="aon-carousel__slide-item"> <article class="content-card"> <a href="https://www.aon.com/global-wellbeing-survey.aspx" target="_blank" class="content-card__topper content-card__topper--media"> <div class="overlay" aria-hidden="true" data-position="02"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_581,w_581/https://assets.aon.com//-/media/images/photos/business/business-women-diverse-1165511122.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_421,w_421/https://assets.aon.com//-/media/images/photos/business/business-women-diverse-1165511122.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_613,w_613/https://assets.aon.com//-/media/images/photos/business/business-women-diverse-1165511122.jpg"/><img class="aon-img aon-aspect-ratio--1-1" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_283,w_283/https://assets.aon.com//-/media/images/photos/business/business-women-diverse-1165511122.jpg" alt="" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Report <span class="aon-eyebrow__optional-text"> 15 Min Read </span> </p> <a href="https://www.aon.com/global-wellbeing-survey.aspx" class="content-card__title"> Global Wellbeing Survey </a> </article> </li> <li class="aon-carousel__slide-item"> <article class="content-card"> <a href="https://on-aon.simplecast.com/episodes/51-on-aons-better-being-series-part-1-human-sustainability-with-rachel-fellowes-and-lisa-stevens" target="_blank" class="content-card__topper content-card__topper--media"> <div class="overlay" aria-hidden="true" data-position="03"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_581,w_581/https://assets.aon.com//-/media/images/photos/business/buisness-woman-online-578161073.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_421,w_421/https://assets.aon.com//-/media/images/photos/business/buisness-woman-online-578161073.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_613,w_613/https://assets.aon.com//-/media/images/photos/business/buisness-woman-online-578161073.jpg"/><img class="aon-img aon-aspect-ratio--1-1" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_283,w_283/https://assets.aon.com//-/media/images/photos/business/buisness-woman-online-578161073.jpg" alt="" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Podcast <span class="aon-eyebrow__optional-text"> 24 Min Listen </span> </p> <a href="https://on-aon.simplecast.com/episodes/51-on-aons-better-being-series-part-1-human-sustainability-with-rachel-fellowes-and-lisa-stevens" class="content-card__title"> On Aon’s Better Being Series </a> </article> </li> <li class="aon-carousel__slide-item"> <article class="content-card"> <a href="https://www.aon.com/insights/articles/2023/four-ways-to-increase-the-roi-of-your-benefits-strategy-with-technology" target="_blank" class="content-card__topper content-card__topper--media"> <div class="overlay" aria-hidden="true" data-position="04"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_581,w_581/https://assets.aon.com//-/media/images/photos/industries/featured/financial-institutions-1387481074_rt.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_421,w_421/https://assets.aon.com//-/media/images/photos/industries/featured/financial-institutions-1387481074_rt.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_613,w_613/https://assets.aon.com//-/media/images/photos/industries/featured/financial-institutions-1387481074_rt.jpg"/><img class="aon-img aon-aspect-ratio--1-1" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_283,w_283/https://assets.aon.com//-/media/images/photos/industries/featured/financial-institutions-1387481074_rt.jpg" alt="" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text"> 5 Min Read </span> </p> <a href="https://www.aon.com/insights/articles/2023/four-ways-to-increase-the-roi-of-your-benefits-strategy-with-technology" class="content-card__title"> Four Ways to Increase the ROI of Your Benefits Strategy With Technology </a> </article> </li> <li class="aon-carousel__slide-item"> <article class="content-card"> <a href="https://www.aon.com/insights/articles/2023/how-data-and-analytics-can-optimize-hr-programs" target="_blank" class="content-card__topper content-card__topper--media"> <div class="overlay" aria-hidden="true" data-position="05"></div> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_581,w_581/https://assets.aon.com//-/media/images/photos/industries/others/agriculture-field-data-1326550222.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_421,w_421/https://assets.aon.com//-/media/images/photos/industries/others/agriculture-field-data-1326550222.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_613,w_613/https://assets.aon.com//-/media/images/photos/industries/others/agriculture-field-data-1326550222.jpg"/><img class="aon-img aon-aspect-ratio--1-1" src="https://res.aon.com/image/fetch/ar_1:1,c_fill,f_auto,g_auto,h_283,w_283/https://assets.aon.com//-/media/images/photos/industries/others/agriculture-field-data-1326550222.jpg" alt="" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article <span class="aon-eyebrow__optional-text"> 10 Min Read </span> </p> <a href="https://www.aon.com/insights/articles/2023/how-data-and-analytics-can-optimize-hr-programs" class="content-card__title"> How Data and Analytics Can Optimize HR Programs </a> </article> </li> </ul> <div class="aon-carousel__functions" aria-label="Carousel control" role="group"> <button disabled="" aria-label="Previous slide" class="aon-button aon-button__secondary aon-button__secondary--navy aon-button__icon aon-button__icon--left"> <span class="aon-button__wrapper-content" aria-hidden="true"> <svg class="aon-icon aon-icon__arrow-left" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-left"></use> </svg> </span> </button> <button aria-label="Next slide" class="aon-button aon-button__primary aon-button__primary--red aon-button__icon aon-button__icon--right"> <span class="aon-button__wrapper-content" aria-hidden="true"> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </button> <div class="aon-carousel__progressbar"> <div class="aon-carousel__progressbar--background"></div> <div class="aon-carousel__progressbar--content"></div> </div> </div> </section> </div>  <div id="collection-carousel-automate-container"></div> <div class="container aon-leadCTA-banner homepage-animation-element "> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,w_1900/https://assets.aon.com//-/media/images/photos/industries/others/agriculture-environment-field-data-1267262841.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,w_1200/https://assets.aon.com//-/media/images/photos/industries/others/agriculture-environment-field-data-1267262841.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,w_650/https://assets.aon.com//-/media/images/photos/industries/others/agriculture-environment-field-data-1267262841.jpg"/><img class="" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,w_375/https://assets.aon.com//-/media/images/photos/industries/others/agriculture-environment-field-data-1267262841.jpg" alt="" loading="lazy"/> </picture> <div class="aon-leadCTA-banner__panel grid aon-leadCTA-banner--theme-blur-light"> <div class="aon-leadCTA-banner__content-left"> <p class="aon-eyebrow">Let’s Connect</p> <h4 class="aon-leadCTA-banner__title">Talk to Our Team</h4> </div> <div class="aon-leadCTA-banner__form aon-leadCTA-banner__content-right"> <input type="hidden" name="openModal" value="true"/> <p class="lead-banner-text"> Contact our team today to learn more about how we can help your business. </p> <a href="/en/contact-us" data-component="LeadGenFormCta" type="submit" class="lead-banner-cta aon-button aon-button__primary aon-button__primary--red" aria-label="Contact Us" id="leadBannerCtaContactUs" data-form-title="Health and Benefits" data-datapass-capability="Health and Benefits" data-datapass-solution_line="Health Solutions" data-datapass-lead_details="Aon.com" data-datapass-product_service=""> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Contact Us</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </div> </div>  </main>   <footer class="aon-footer aon-footer--theme-navy homepage-animation-element" data-component="Footer"> <div class="aon-footer-top">  <a class="aon-footer-top-link" href="/en/location-selector"> <div class="aon-footer-top-link__content"> <svg class="aon-icon aon-icon__globe" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#globe"></use> </svg> <p class="location__text">Global</p> <div class="location__language-line"></div> <p class="language__text">EN</p> </div> <svg class="aon-icon aon-icon__chevron-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-right"></use> </svg> </a> <div class="aon-footer-top-logo__action"> <a href="/en/" tabindex="0" class="aon-logo"> <svg aria-label="AON logo" viewBox="0 0 95 36" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#aon-logo"></use> </svg> </a> <button class="aon-footer-back-to-top"> <svg class="aon-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-up"></use> </svg> <span class="h7">Back To Top</span> </button> </div> </div> <div class="aon-footer-content">  <form class="aon-footer-subscribe" novalidate="" autoComplete="off" data-form-type="Subscribe Step 1"> <a href="/en/" tabindex="0" class="aon-logo"> <svg aria-label="AON logo" viewBox="0 0 95 36" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#aon-logo"></use> </svg> </a> <p class="aon-footer-subscribe__desc"> Subscribe to Aon Insights for weekly articles, reports, and updates from our team of thought leaders. </p> <div class="aon-footer-subscribe__email aon-footer-email"> <label class="aon-footer-email__label" for="footer-subscribe-email">Email Address:</label> <input type="email" name="email" id="footer-subscribe-email" class="aon-footer-email__input" value=""/> </div> <button data-modal-target="subscribeModal" type="submit" data-target="subscribeModal" class="aon-footer-subscribe__cta aon-button aon-button__secondary aon-button__secondary--navy"> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Subscribe</span> <svg class="aon-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </button> </form>  <section class="aon-footer-links"> <header>About Aon</header> <ul> <li> <a href="/en/about" class="aon-footer-link">Our Story</a> </li> <li> <a href="https://jobs.aon.com/" class="aon-footer-link" rel="noopener noreferrer" target="_blank">Careers</a> </li> <li> <a href="https://ir.aon.com/" class="aon-footer-link" rel="noopener noreferrer" target="_blank">Investors</a> </li> <li> <a href="https://aon.mediaroom.com" class="aon-footer-link" rel="noopener noreferrer" target="_blank">News</a> </li> </ul> </section> <section class="aon-footer-links"> <header>Explore</header> <ul> <li> <a href="/en/capabilities" class="aon-footer-link">Capabilities</a> </li> <li> <a href="/en/industries" class="aon-footer-link">Industries</a> </li> <li> <a href="/en/insights" class="aon-footer-link">Insights</a> </li> </ul> </section> <section class="aon-footer-links"> <header>Learn</header> <ul> <li> <a href="/en/insights/trade" class="aon-footer-link">Trade</a> </li> <li> <a href="/en/insights/technology" class="aon-footer-link">Technology</a> </li> <li> <a href="/en/insights/weather" class="aon-footer-link">Weather</a> </li> <li> <a href="/en/insights/workforce" class="aon-footer-link">Workforce</a> </li> </ul> </section> </div> <div class="aon-footer-divider"></div> <div class="aon-footer-bottom">  <div class="aon-footer-cp"> <p class="aon-footer-cp__desc">©2024 Aon plc. All rights reserved.</p> <a href="/en/site-map" class="aon-footer-cp__link ">Site Map</a> <a href="/en/about/leadership-and-governance/privacy-policy" class="aon-footer-cp__link ">Privacy Statement</a> <a href="/en/about/leadership-and-governance/legal-notice" class="aon-footer-cp__link ">Legal Notice</a> <a href="https://mypreferences.aon.com/" class="aon-footer-cp__link ">Email Preferences</a> <a class="aon-footer-cp__link aon-footer-cp__reference optanon-toggle-display USFooterLink">Do Not Sell or Share My Personal Information (US)</a> </div>  <div class="aon-social-links"> <a href="https://www.facebook.com/Aonplc/" class="aon-social-link" rel="noopener noreferrer" target="_blank" aria-label="Facebook"> <svg class="aon-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#facebook-logo"></use> </svg> </a><a href="https://www.linkedin.com/company/aon" class="aon-social-link" rel="noopener noreferrer" target="_blank" aria-label="Linked In"> <svg class="aon-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#linkedin-logo"></use> </svg> </a><a href="https://twitter.com/aon_plc" class="aon-social-link" rel="noopener noreferrer" target="_blank" aria-label="Twitter"> <svg class="aon-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#twitter-logo"></use> </svg> </a> </div> </div> </footer>  <section id="subscribeModal" class="modal" data-component="Modal" data-clear-params="openModal" tabindex="-1"> <div class="modal-dialog modal-dialog--fullscreen" aria-modal="true" role="dialog" aria-labelledby="subscribe-modal-title" aria-describedby="subscribe-modal-desc"> <div class="modal-content modal-content--fullscreen"> <div class="aon-subscribe-modal"> <aside class="aon-subscribe-modal__sidebar"> <h2 tabindex="-1" class="modal-title aon-subscribe-modal__content-header"> Subscribe to Aon </h2> <p class="aon-subscribe-modal__content-subhead"> Sign up to receive updates on the latest events, insights, news and more from our team. </p> </aside> <section class="aon-subscribe-modal__content"> <form class="aon-subscribe-modal__form" data-component="GpcForm" data-validate-type="onChange" novalidate="" action="https://mypreferences.aon.com/api/posttogpc/formpost/" data-form-type="Subscribe" method="POST" autoComplete="off" data-gpc-url="https://mypreferences.aon.com/api/posttogpc/formpost/"> <input type="hidden" name="openModal" value="subscribeModalSuccess"/> <input type="hidden" name="g-recaptcha-token" value=""/> <div class="aon-subscribe-modal__form-section"> <h6 class="aon-subscribe-modal__form-section-title"> About You </h6> <div class="aon-subscribe-modal__form-section-group aon-subscribe-modal__form-section-input-group"> <div class="aon-field" data-component="TextInput" data-input-name="firstname"> <input aria-errormessage="error-firstname-text" aria-invalid="false" name="firstname" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="firstname"> First Name </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="lastname"> <input aria-errormessage="error-lastname-text" aria-invalid="false" name="lastname" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="lastname"> Last Name </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="email"> <input aria-errormessage="error-email-text" aria-invalid="false" name="Email" type="email" required="" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="email"> Business Email Address </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-field" data-component="Dropdown" data-input-name="location"> <div class="aon-field__appearance-icon"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> <select class="aon-field__input aon-field__select hidden-appearance" name="country" id="location" aria-errormessage="error-location-text" aria-invalid="false" required=""> <option class="aon-field__option" value=""> </option><option class="aon-field__option" value="AR"> Argentina </option><option class="aon-field__option" value="AW"> Aruba </option><option class="aon-field__option" value="AU"> Australia </option><option class="aon-field__option" value="AT"> Austria </option><option class="aon-field__option" value="BS"> Bahamas </option><option class="aon-field__option" value="BH"> Bahrain </option><option class="aon-field__option" value="BB"> Barbados </option><option class="aon-field__option" value="BE"> Belgium </option><option class="aon-field__option" value="BM"> Bermuda </option><option class="aon-field__option" value="BO"> Bolivia </option><option class="aon-field__option" value="BW"> Botswana </option><option class="aon-field__option" value="BR"> Brazil </option><option class="aon-field__option" value="VG"> British Virgin Islands </option><option class="aon-field__option" value="BG"> Bulgaria </option><option class="aon-field__option" value="CA"> Canada </option><option class="aon-field__option" value="KY"> Cayman Islands </option><option class="aon-field__option" value="CL"> Chile </option><option class="aon-field__option" value="CN"> China </option><option class="aon-field__option" value="CO"> Colombia </option><option class="aon-field__option" value="CR"> Costa Rica </option><option class="aon-field__option" value="HR"> Croatia </option><option class="aon-field__option" value="CY"> Cyprus </option><option class="aon-field__option" value="CZ"> Czechia </option><option class="aon-field__option" value="DK"> Denmark </option><option class="aon-field__option" value="DO"> Dominican Republic </option><option class="aon-field__option" value="EC"> Ecuador </option><option class="aon-field__option" value="EG"> Egypt </option><option class="aon-field__option" value="SV"> El Salvador </option><option class="aon-field__option" value="EE"> Estonia </option><option class="aon-field__option" value="FJ"> Fiji </option><option class="aon-field__option" value="FI"> Finland </option><option class="aon-field__option" value="FR"> France </option><option class="aon-field__option" value="DE"> Germany </option><option class="aon-field__option" value="GH"> Ghana </option><option class="aon-field__option" value="GI"> Gibraltar </option><option class="aon-field__option" value="GR"> Greece </option><option class="aon-field__option" value="GT"> Guatemala </option><option class="aon-field__option" value="GG"> Guernsey </option><option class="aon-field__option" value="GY"> Guyana </option><option class="aon-field__option" value="HT"> Haiti </option><option class="aon-field__option" value="HN"> Honduras </option><option class="aon-field__option" value="HK"> Hong Kong SAR </option><option class="aon-field__option" value="HU"> Hungary </option><option class="aon-field__option" value="IN"> India </option><option class="aon-field__option" value="ID"> Indonesia </option><option class="aon-field__option" value="IE"> Ireland </option><option class="aon-field__option" value="IM"> Isle of Man </option><option class="aon-field__option" value="IL"> Israel </option><option class="aon-field__option" value="IT"> Italy </option><option class="aon-field__option" value="JM"> Jamaica </option><option class="aon-field__option" value="JP"> Japan </option><option class="aon-field__option" value="JO"> Jordan </option><option class="aon-field__option" value="KZ"> Kazakhstan </option><option class="aon-field__option" value="KP"> Korea </option><option class="aon-field__option" value="KW"> Kuwait </option><option class="aon-field__option" value="LV"> Latvia </option><option class="aon-field__option" value="LB"> Lebanon </option><option class="aon-field__option" value="LT"> Lithuania </option><option class="aon-field__option" value="LU"> Luxembourg </option><option class="aon-field__option" value="MW"> Malawi </option><option class="aon-field__option" value="MY"> Malaysia </option><option class="aon-field__option" value="MT"> Malta </option><option class="aon-field__option" value="MU"> Mauritius </option><option class="aon-field__option" value="MX"> Mexico </option><option class="aon-field__option" value="MA"> Morocco </option><option class="aon-field__option" value="NA"> Namibia </option><option class="aon-field__option" value="NL"> Netherlands </option><option class="aon-field__option" value="NZ"> New Zealand </option><option class="aon-field__option" value="NI"> Nicaragua </option><option class="aon-field__option" value="NO"> Norway </option><option class="aon-field__option" value="OM"> Oman </option><option class="aon-field__option" value="PA"> Panama </option><option class="aon-field__option" value="PG"> Papua New Guinea </option><option class="aon-field__option" value="PE"> Peru </option><option class="aon-field__option" value="PH"> Philippines </option><option class="aon-field__option" value="PL"> Poland </option><option class="aon-field__option" value="PT"> Portugal </option><option class="aon-field__option" value="PR"> Puerto Rico </option><option class="aon-field__option" value="QA"> Qatar </option><option class="aon-field__option" value="RO"> Romania </option><option class="aon-field__option" value="SA"> Saudi Arabia </option><option class="aon-field__option" value="RS"> Serbia </option><option class="aon-field__option" value="SG"> Singapore </option><option class="aon-field__option" value="SK"> Slovak Republic </option><option class="aon-field__option" value="SI"> Slovenia </option><option class="aon-field__option" value="ZA"> South Africa </option><option class="aon-field__option" value="ES"> Spain </option><option class="aon-field__option" value="SE"> Sweden </option><option class="aon-field__option" value="CH"> Switzerland </option><option class="aon-field__option" value="TW"> Taiwan </option><option class="aon-field__option" value="TH"> Thailand </option><option class="aon-field__option" value="TT"> Trinidad and Tobago </option><option class="aon-field__option" value="TR"> Turkiye </option><option class="aon-field__option" value="TC"> Turks and Caicos Islands </option><option class="aon-field__option" value="UG"> Uganda </option><option class="aon-field__option" value="UA"> Ukraine </option><option class="aon-field__option" value="AE"> United Arab Emirates </option><option class="aon-field__option" value="GB"> United Kingdom </option><option class="aon-field__option" value="US"> United States </option><option class="aon-field__option" value="UY"> Uruguay </option><option class="aon-field__option" value="VU"> Vanuatu </option><option class="aon-field__option" value="VE"> Venezuela </option><option class="aon-field__option" value="VN"> Vietnam </option><option class="aon-field__option" value="YE"> Yemen </option></select> <label class="aon-field__label" for="location"> Location </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> </div> </div> <div class="aon-subscribe-modal__form-section"> <div class="aon-subscribe-modal__form-section-title aon-subscribe-modal__form-section-title--remove-margin-bottom" aria-hidden="true"></div> <div class="aon-subscribe-modal__form-section-group aon-subscribe-modal__form-section-description-group"> <div class="aon-subscribe-modal__form-description"> <p> <strong>What Comes Next?</strong> </p> <p> After submitting your information, you will receive an email to verify your email address. Please click on the link included in this note to complete the subscription process, which also includes providing consent in applicable locations and an opportunity to manage your email preferences. All subscription information you provide will be managed in accordance with <a href="/en/about/leadership-and-governance/privacy-policy" target="_blank">Aon's global privacy statement</a>.</p> </div> <button disabled="" type="submit" class="aon-button aon-button__primary aon-button__primary--red aon-subscribe-modal__submit-button"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">Submit</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </button> </div> </div> </form> </section> <div class="modal-close aon-subscribe-modal__X-button"> <button aria-label="close" tabindex="0"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> <div class="modal-nav-sticky"> <h4>Subscribe</h4> <div class="modal-close"> <button aria-label="close" tabindex="-1"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> </div> </div> </div> </div> </section>  <section id="subscribeModalSuccess" class="modal modal--success" data-component="Modal" data-clear-params="openModal, utm_source, utm_medium, utm_campaign, utm_id, utm_term, utm_content, elqCampaignId" tabindex="-1"> <div class="modal-dialog modal-dialog--fullscreen" aria-modal="true" role="dialog" aria-labelledby="subscribe-modal-title" aria-describedby="subscribe-modal-desc"> <div class="modal-content modal-content--fullscreen"> <div class="aon-subscribe-modal aon-subscribe-modal--success"> <aside class="aon-subscribe-modal__sidebar"> <h2 class="aon-subscribe-modal__content-header" tabindex="-1"> Thank You </h2> <p class="aon-subscribe-modal__content-subhead"> Information on the latest events, insights, news and more from our team is heading your way soon. </p> </aside> <section class="aon-subscribe-modal__content"> <section class="aon-modal__success-content"> <h3 class="modal-title aon-modal__success-header"> What Comes Next? </h3> <p class="aon-modal__success-short-description"> You will soon receive an email to verify your email address. Please click on the link included in this note to complete the subscription process, which also includes providing consent in applicable locations and an opportunity to manage your email preferences. </p> <section class="aon-modal__featured-insights-cards"> <h6 class="aon-modal__featured-insights-title"> Featured Insights </h6> <article class="content-card"> <a href="/en/insights/articles/litigation-and-contingent-risks-unlocking-the-value-in-mergers-and-acquisitions" class="content-card__topper content-card__topper--media"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_240,w_427/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_172,w_306/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_185,w_328/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><img class="aon-img aon-aspect-ratio--16-9" src="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg" alt="Litigation and Contingent Risks: Unlocking the Value in Mergers and Acquisitions Hero Banner" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article </p> <a href="" class="content-card__title"> <h6> Litigation and Contingent Risks: Unlocking the Value in M&A </h6> </a> </article> <article class="content-card"> <a href="/en/insights/articles/how-data-and-analytics-can-optimize-hr-programs" class="content-card__topper content-card__topper--media"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_240,w_427/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-629358988_rt.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_172,w_306/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-629358988_rt.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_185,w_328/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-629358988_rt.jpg"/><img class="aon-img aon-aspect-ratio--16-9" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-629358988_rt.jpg" alt="How Data and Analytics Can Optimize HR Programs Hero Image" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article </p> <a href="" class="content-card__title"> <h6> How Data and Analytics Can Optimize HR Programs </h6> </a> </article> </section> <div class="aon-modal__success-cta"> <a href="/en/insights" class="aon-button aon-button__secondary aon-button__secondary--red"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">View All Insights</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </section> </section> <div class="modal-close aon-subscribe-modal__X-button"> <button data-dismiss="modal" aria-label="close"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> <div class="modal-nav-sticky"> <h4>Thank You</h4> <div class="modal-close"> <button data-dismiss="modal" aria-label="close"> <svg class="aon-icon" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" viewBox="0 0 16 16"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> </div> </div> </div> </div> </section>  <section id="leadModal" class="modal" data-component="Modal" data-clear-params="openModal" tabindex="-1"> <div class="modal-dialog modal-dialog--centered modal-dialog--fullscreen" aria-modal="true" role="dialog" aria-labelledby="lead-modal-title" aria-describedby="lead-modal-desc"> <div class="modal-content modal-content--fullscreen"> <div class="aon-lead-modal container"> <aside aria-labelledby="lead-modal-title" class="aon-lead-modal__sidebar"> <section class="aon-lead-modal__sidebar--header"> <h2 tabindex="-1" class="modal-title"> Let’s Connect </h2> <p> Tell us more about you and how we can help your business make better decisions. </p> </section> <section class="aon-lead-modal__sidebar--addresses"> <section class="aon-lead-modal__sidebar--cta"> <a href="/en/support" class="aon-button aon-button__tertiary aon-button__tertiary--navy"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">Support (e.g., benefit sites, certificates, claims, etc.)</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </section> <section class="aon-lead-modal__sidebar--contacts"> </section> </section> </aside> <section class="aon-lead-modal__content"> <form class="aon-lead-modal__form elq-form" data-component="EloquaForm" data-validate-type="onChange" novalidate="" method="post" name="gbl_contact_us_v20" action="https://s362693299.t.eloqua.com/e/f2" data-token-url="https://s362693299.t.eloqua.com/e/formsubmittoken" data-form-type="Contact Us" autoComplete="off" data-datapass-capability="Health and Benefits" data-datapass-solution_line="Health Solutions" data-datapass-lead_details="Aon.com" data-datapass-product_service=""> <input type="hidden" name="openModal" value="leadModalSuccess"/> <input type="hidden" name="g-recaptcha-token" value=""/> <input type="hidden" name="elqSiteId" value="362693299"/> <input type="hidden" name="address3" value=""/> <input type="hidden" name="contact_me" value="ON"/> <div class="lead-modal-tag"> <h6>I’m interested in</h6> <h3 id="leadModalTitle">Health and Benefits</h3> </div> <fieldset class="aon-lead-modal__form-section"> <h6 class="aon-lead-modal__form-section--title">About You</h6> <div class="aon-lead-modal__form-section--group"> <div class="aon-field" data-component="TextInput" data-input-name="firstName"> <input aria-errormessage="error-firstname-text" aria-invalid="false" name="firstName" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="firstName"> First Name </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text" id="error-firstname-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="lastName"> <input aria-errormessage="error-lastname-text" aria-invalid="false" name="lastName" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="lastName"> Last Name </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="title"> <input id="jobtitle" aria-errormessage="error-jobtitle-text" aria-invalid="false" name="title" required="" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="title"> Job Title </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text" id="error-jobtitle-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="emailAddress"> <input aria-errormessage="error-email-text" aria-invalid="false" name="emailAddress" type="email" required="" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="emailAddress"> Business Email Address </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-field" data-component="Dropdown" data-input-name="country"> <div class="aon-field__appearance-icon"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> <select class="aon-field__input aon-field__select hidden-appearance" aria-errormessage="error-location-text" aria-invalid="false" id="country" required="" name="country"> <option class="aon-field__option" value="" selected=""> </option><option class="aon-field__option" value="AR"> Argentina </option><option class="aon-field__option" value="AW"> Aruba </option><option class="aon-field__option" value="AU"> Australia </option><option class="aon-field__option" value="AT"> Austria </option><option class="aon-field__option" value="BS"> Bahamas </option><option class="aon-field__option" value="BH"> Bahrain </option><option class="aon-field__option" value="BB"> Barbados </option><option class="aon-field__option" value="BE"> Belgium </option><option class="aon-field__option" value="BM"> Bermuda </option><option class="aon-field__option" value="BO"> Bolivia </option><option class="aon-field__option" value="BW"> Botswana </option><option class="aon-field__option" value="BR"> Brazil </option><option class="aon-field__option" value="VG"> British Virgin Islands </option><option class="aon-field__option" value="BG"> Bulgaria </option><option class="aon-field__option" value="CA"> Canada </option><option class="aon-field__option" value="KY"> Cayman Islands </option><option class="aon-field__option" value="CL"> Chile </option><option class="aon-field__option" value="CN"> China </option><option class="aon-field__option" value="CO"> Colombia </option><option class="aon-field__option" value="CR"> Costa Rica </option><option class="aon-field__option" value="HR"> Croatia </option><option class="aon-field__option" value="CY"> Cyprus </option><option class="aon-field__option" value="CZ"> Czechia </option><option class="aon-field__option" value="DK"> Denmark </option><option class="aon-field__option" value="DO"> Dominican Republic </option><option class="aon-field__option" value="EC"> Ecuador </option><option class="aon-field__option" value="EG"> Egypt </option><option class="aon-field__option" value="SV"> El Salvador </option><option class="aon-field__option" value="EE"> Estonia </option><option class="aon-field__option" value="FJ"> Fiji </option><option class="aon-field__option" value="FI"> Finland </option><option class="aon-field__option" value="FR"> France </option><option class="aon-field__option" value="DE"> Germany </option><option class="aon-field__option" value="GH"> Ghana </option><option class="aon-field__option" value="GI"> Gibraltar </option><option class="aon-field__option" value="GR"> Greece </option><option class="aon-field__option" value="GT"> Guatemala </option><option class="aon-field__option" value="GG"> Guernsey </option><option class="aon-field__option" value="GY"> Guyana </option><option class="aon-field__option" value="HT"> Haiti </option><option class="aon-field__option" value="HN"> Honduras </option><option class="aon-field__option" value="HK"> Hong Kong SAR </option><option class="aon-field__option" value="HU"> Hungary </option><option class="aon-field__option" value="IN"> India </option><option class="aon-field__option" value="ID"> Indonesia </option><option class="aon-field__option" value="IE"> Ireland </option><option class="aon-field__option" value="IM"> Isle of Man </option><option class="aon-field__option" value="IL"> Israel </option><option class="aon-field__option" value="IT"> Italy </option><option class="aon-field__option" value="JM"> Jamaica </option><option class="aon-field__option" value="JP"> Japan </option><option class="aon-field__option" value="JO"> Jordan </option><option class="aon-field__option" value="KZ"> Kazakhstan </option><option class="aon-field__option" value="KP"> Korea </option><option class="aon-field__option" value="KW"> Kuwait </option><option class="aon-field__option" value="LV"> Latvia </option><option class="aon-field__option" value="LB"> Lebanon </option><option class="aon-field__option" value="LT"> Lithuania </option><option class="aon-field__option" value="LU"> Luxembourg </option><option class="aon-field__option" value="MW"> Malawi </option><option class="aon-field__option" value="MY"> Malaysia </option><option class="aon-field__option" value="MT"> Malta </option><option class="aon-field__option" value="MU"> Mauritius </option><option class="aon-field__option" value="MX"> Mexico </option><option class="aon-field__option" value="MA"> Morocco </option><option class="aon-field__option" value="NA"> Namibia </option><option class="aon-field__option" value="NL"> Netherlands </option><option class="aon-field__option" value="NZ"> New Zealand </option><option class="aon-field__option" value="NI"> Nicaragua </option><option class="aon-field__option" value="NO"> Norway </option><option class="aon-field__option" value="OM"> Oman </option><option class="aon-field__option" value="PA"> Panama </option><option class="aon-field__option" value="PG"> Papua New Guinea </option><option class="aon-field__option" value="PE"> Peru </option><option class="aon-field__option" value="PH"> Philippines </option><option class="aon-field__option" value="PL"> Poland </option><option class="aon-field__option" value="PT"> Portugal </option><option class="aon-field__option" value="PR"> Puerto Rico </option><option class="aon-field__option" value="QA"> Qatar </option><option class="aon-field__option" value="RO"> Romania </option><option class="aon-field__option" value="SA"> Saudi Arabia </option><option class="aon-field__option" value="RS"> Serbia </option><option class="aon-field__option" value="SG"> Singapore </option><option class="aon-field__option" value="SK"> Slovak Republic </option><option class="aon-field__option" value="SI"> Slovenia </option><option class="aon-field__option" value="ZA"> South Africa </option><option class="aon-field__option" value="ES"> Spain </option><option class="aon-field__option" value="SE"> Sweden </option><option class="aon-field__option" value="CH"> Switzerland </option><option class="aon-field__option" value="TW"> Taiwan </option><option class="aon-field__option" value="TH"> Thailand </option><option class="aon-field__option" value="TT"> Trinidad and Tobago </option><option class="aon-field__option" value="TR"> Turkiye </option><option class="aon-field__option" value="TC"> Turks and Caicos Islands </option><option class="aon-field__option" value="UG"> Uganda </option><option class="aon-field__option" value="UA"> Ukraine </option><option class="aon-field__option" value="AE"> United Arab Emirates </option><option class="aon-field__option" value="GB"> United Kingdom </option><option class="aon-field__option" value="US"> United States </option><option class="aon-field__option" value="UY"> Uruguay </option><option class="aon-field__option" value="VU"> Vanuatu </option><option class="aon-field__option" value="VE"> Venezuela </option><option class="aon-field__option" value="VN"> Vietnam </option><option class="aon-field__option" value="YE"> Yemen </option></select> <label class="aon-field__label" for="country"> Location </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div data-component="PhoneInput" data-input-name="busPhone"> <div class="aon-field__group"> <div class="aon-field aon-field__country"> <div class="aon-field__appearance-icon" aria-hidden="true"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> <label class="aon-field__label" for="countryCode">Country Code</label> <select class="aon-field__input aon-field__select hidden-appearance" name="countryCode" id="countryCode" required="" data-country-code="true"> <option value="" selected=""> </option><option class="aon-field__option" data-sync="AR" value="+54"> +54 </option><option class="aon-field__option" data-sync="AW" value="+297"> +297 </option><option class="aon-field__option" data-sync="AU" value="+61"> +61 </option><option class="aon-field__option" data-sync="AT" value="+43"> +43 </option><option class="aon-field__option" data-sync="BS" value="+1-242"> +1-242 </option><option class="aon-field__option" data-sync="BH" value="+973"> +973 </option><option class="aon-field__option" data-sync="BB" value="+1-246"> +1-246 </option><option class="aon-field__option" data-sync="BE" value="+32"> +32 </option><option class="aon-field__option" data-sync="BM" value="+1-441"> +1-441 </option><option class="aon-field__option" data-sync="BO" value="+591"> +591 </option><option class="aon-field__option" data-sync="BW" value="+267"> +267 </option><option class="aon-field__option" data-sync="BR" value="+55"> +55 </option><option class="aon-field__option" data-sync="VG" value="+1-284"> +1-284 </option><option class="aon-field__option" data-sync="BG" value="+359"> +359 </option><option class="aon-field__option" data-sync="CA" value="+1"> +1 </option><option class="aon-field__option" data-sync="KY" value="+1-345"> +1-345 </option><option class="aon-field__option" data-sync="CL" value="+56"> +56 </option><option class="aon-field__option" data-sync="CN" value="+86"> +86 </option><option class="aon-field__option" data-sync="CO" value="+57"> +57 </option><option class="aon-field__option" data-sync="CR" value="+506"> +506 </option><option class="aon-field__option" data-sync="HR" value="+385"> +385 </option><option class="aon-field__option" data-sync="CY" value="+357"> +357 </option><option class="aon-field__option" data-sync="CZ" value="+420"> +420 </option><option class="aon-field__option" data-sync="DK" value="+45"> +45 </option><option class="aon-field__option" data-sync="DO" value="+1"> +1 </option><option class="aon-field__option" data-sync="EC" value="+593"> +593 </option><option class="aon-field__option" data-sync="EG" value="+20"> +20 </option><option class="aon-field__option" data-sync="SV" value="+503"> +503 </option><option class="aon-field__option" data-sync="EE" value="+372"> +372 </option><option class="aon-field__option" data-sync="FJ" value="+679"> +679 </option><option class="aon-field__option" data-sync="FI" value="+358"> +358 </option><option class="aon-field__option" data-sync="FR" value="+33"> +33 </option><option class="aon-field__option" data-sync="DE" value="+49"> +49 </option><option class="aon-field__option" data-sync="GH" value="+233"> +233 </option><option class="aon-field__option" data-sync="GI" value="+350"> +350 </option><option class="aon-field__option" data-sync="GR" value="+30"> +30 </option><option class="aon-field__option" data-sync="GT" value="+502"> +502 </option><option class="aon-field__option" data-sync="GG" value="+44"> +44 </option><option class="aon-field__option" data-sync="GY" value="+592"> +592 </option><option class="aon-field__option" data-sync="HT" value="+509"> +509 </option><option class="aon-field__option" data-sync="HN" value="+504"> +504 </option><option class="aon-field__option" data-sync="HK" value="+852"> +852 </option><option class="aon-field__option" data-sync="HU" value="+36"> +36 </option><option class="aon-field__option" data-sync="IN" value="+91"> +91 </option><option class="aon-field__option" data-sync="ID" value="+62"> +62 </option><option class="aon-field__option" data-sync="IE" value="+353"> +353 </option><option class="aon-field__option" data-sync="IM" value="+44"> +44 </option><option class="aon-field__option" data-sync="IL" value="+972"> +972 </option><option class="aon-field__option" data-sync="IT" value="+39"> +39 </option><option class="aon-field__option" data-sync="JM" value="+1"> +1 </option><option class="aon-field__option" data-sync="JP" value="+81"> +81 </option><option class="aon-field__option" data-sync="JO" value="+962"> +962 </option><option class="aon-field__option" data-sync="KZ" value="+7"> +7 </option><option class="aon-field__option" data-sync="KP" value="+82"> +82 </option><option class="aon-field__option" data-sync="KW" value="+965"> +965 </option><option class="aon-field__option" data-sync="LV" value="+371"> +371 </option><option class="aon-field__option" data-sync="LB" value="+961"> +961 </option><option class="aon-field__option" data-sync="LT" value="+370"> +370 </option><option class="aon-field__option" data-sync="LU" value="+352"> +352 </option><option class="aon-field__option" data-sync="MW" value="+265"> +265 </option><option class="aon-field__option" data-sync="MY" value="+60"> +60 </option><option class="aon-field__option" data-sync="MT" value="+356"> +356 </option><option class="aon-field__option" data-sync="MU" value="+230"> +230 </option><option class="aon-field__option" data-sync="MX" value="+52"> +52 </option><option class="aon-field__option" data-sync="MA" value="+212"> +212 </option><option class="aon-field__option" data-sync="NA" value="+264"> +264 </option><option class="aon-field__option" data-sync="NL" value="+31"> +31 </option><option class="aon-field__option" data-sync="NZ" value="+64"> +64 </option><option class="aon-field__option" data-sync="NI" value="+505"> +505 </option><option class="aon-field__option" data-sync="NO" value="+47"> +47 </option><option class="aon-field__option" data-sync="OM" value="+968"> +968 </option><option class="aon-field__option" data-sync="PA" value="+507"> +507 </option><option class="aon-field__option" data-sync="PG" value="+675"> +675 </option><option class="aon-field__option" data-sync="PE" value="+51"> +51 </option><option class="aon-field__option" data-sync="PH" value="+63"> +63 </option><option class="aon-field__option" data-sync="PL" value="+48"> +48 </option><option class="aon-field__option" data-sync="PT" value="+351"> +351 </option><option class="aon-field__option" data-sync="PR" value="+1"> +1 </option><option class="aon-field__option" data-sync="QA" value="+974"> +974 </option><option class="aon-field__option" data-sync="RO" value="+40"> +40 </option><option class="aon-field__option" data-sync="SA" value="+966"> +966 </option><option class="aon-field__option" data-sync="RS" value="+381"> +381 </option><option class="aon-field__option" data-sync="SG" value="+65"> +65 </option><option class="aon-field__option" data-sync="SK" value="+421"> +421 </option><option class="aon-field__option" data-sync="SI" value="+386"> +386 </option><option class="aon-field__option" data-sync="ZA" value="+27"> +27 </option><option class="aon-field__option" data-sync="ES" value="+34"> +34 </option><option class="aon-field__option" data-sync="SE" value="+46"> +46 </option><option class="aon-field__option" data-sync="CH" value="+41"> +41 </option><option class="aon-field__option" data-sync="TW" value="+886"> +886 </option><option class="aon-field__option" data-sync="TH" value="+66"> +66 </option><option class="aon-field__option" data-sync="TT" value="+1-868"> +1-868 </option><option class="aon-field__option" data-sync="TR" value="+90"> +90 </option><option class="aon-field__option" data-sync="TC" value="+1-649"> +1-649 </option><option class="aon-field__option" data-sync="UG" value="+256"> +256 </option><option class="aon-field__option" data-sync="UA" value="+380"> +380 </option><option class="aon-field__option" data-sync="AE" value="+971"> +971 </option><option class="aon-field__option" data-sync="GB" value="+44"> +44 </option><option class="aon-field__option" data-sync="US" value="+1"> +1 </option><option class="aon-field__option" data-sync="UY" value="+598"> +598 </option><option class="aon-field__option" data-sync="VU" value="+678"> +678 </option><option class="aon-field__option" data-sync="VE" value="+58"> +58 </option><option class="aon-field__option" data-sync="VN" value="+84"> +84 </option><option class="aon-field__option" data-sync="YE" value="+967"> +967 </option></select> </div> <div class="aon-field aon-field__phone"> <label class="aon-field__label">Phone Number</label> <input aria-errormessage="error-phone-text" type="tel" aria-invalid="false" name="busPhone" required="" class="aon-field__phone aon-field__input aon-field__phone-input" value=""/> </div> </div> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span id="error-phone-text" class="aon-field__error-text"> </span> </div> </div> </div> </fieldset> <fieldset class="aon-lead-modal__form-section"> <h6 class="aon-lead-modal__form-section--title"> About Your Business </h6> <div class="aon-lead-modal__form-section--group"> <div class="aon-field" data-component="TextInput" data-input-name="company"> <input aria-errormessage="error-company-text" aria-invalid="false" name="company" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="company"> Organization Name </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-field" data-component="Dropdown" data-input-name="industry"> <div class="aon-field__appearance-icon"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> <select class="aon-field__input aon-field__select hidden-appearance" name="industry" id="industry" aria-errormessage="error-industry-text" aria-invalid="false" required=""> <option class="aon-field__option" value=""> </option><option class="aon-field__option" value="Construction and Infrastructure"> Construction and Infrastructure </option><option class="aon-field__option" value="Construction and Real Estate"> Construction and Real Estate </option><option class="aon-field__option" value="Financial Institutions"> Financial Institutions </option><option class="aon-field__option" value="Financial Sponsors"> Financial Sponsors </option><option class="aon-field__option" value="Food Agribusiness and Beverage"> Food Agribusiness and Beverage </option><option class="aon-field__option" value="Healthcare Providers and Services"> Healthcare Providers and Services </option><option class="aon-field__option" value="Hospitality Travel and Leisure"> Hospitality Travel and Leisure </option><option class="aon-field__option" value="Industrials and Manufacturing"> Industrials and Manufacturing </option><option class="aon-field__option" value="Insurance"> Insurance </option><option class="aon-field__option" value="Life Sciences"> Life Sciences </option><option class="aon-field__option" value="Natural Resources"> Natural Resources </option><option class="aon-field__option" value="Professional and Business Services"> Professional and Business Services </option><option class="aon-field__option" value="Public Sector"> Public Sector </option><option class="aon-field__option" value="Retail and Consumer Goods"> Retail and Consumer Goods </option><option class="aon-field__option" value="Sports and Entertainment"> Sports and Entertainment </option><option class="aon-field__option" value="Technology Media and Communications"> Technology Media and Communications </option><option class="aon-field__option" value="Transportation and Logistics"> Transportation and Logistics </option></select> <label class="aon-field__label" for="industry"> Industry </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text" id="error-industry-text"></span> </div> </div> <div class="aon-field" data-component="Dropdown" data-input-name="revenue"> <div class="aon-field__appearance-icon"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> <select class="aon-field__input aon-field__select hidden-appearance" name="revenue" id="revenue" aria-errormessage="error-revenue-text" aria-invalid="false" required=""> <option class="aon-field__option" value=""> </option><option class="aon-field__option" value="Pre-Revenue"> Pre-Revenue </option><option class="aon-field__option" value="Less than 1.0 Million"> Less than 1.0 Million </option><option class="aon-field__option" value="1.0 Million to 4.9 Million"> 1.0 Million to 4.9 Million </option><option class="aon-field__option" value="5.0 Million to 24.9 Million"> 5.0 Million to 24.9 Million </option><option class="aon-field__option" value="25.0 Million to 49.9 Million"> 25.0 Million to 49.9 Million </option><option class="aon-field__option" value="50.0 Million to 99.9 Million"> 50.0 Million to 99.9 Million </option><option class="aon-field__option" value="100 Million to 749.9 Million"> 100 Million to 749.9 Million </option><option class="aon-field__option" value="750 Million to 9.9 Billion"> 750 Million to 9.9 Billion </option><option class="aon-field__option" value="More than 10.0 Billion"> More than 10.0 Billion </option><option class="aon-field__option" value="Not Applicable"> Not Applicable </option></select> <label class="aon-field__label" for="industry"> Annual Revenue </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text" id="error-industry-text"></span> </div> </div> <div class="aon-field" data-component="Dropdown" data-input-name="headcount"> <div class="aon-field__appearance-icon"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> <select class="aon-field__input aon-field__select hidden-appearance" name="headcount" id="headcount" aria-errormessage="error-companysize-text" aria-invalid="false" required=""> <option class="aon-field__option" value=""> </option><option class="aon-field__option" value="Less than 100 employees"> Less than 100 employees </option><option class="aon-field__option" value="100 to 499 employees"> 100 to 499 employees </option><option class="aon-field__option" value="500 to 999 employees"> 500 to 999 employees </option><option class="aon-field__option" value="1,000 to 4,999 employees"> 1,000 to 4,999 employees </option><option class="aon-field__option" value="5,000 to 14,999 employees"> 5,000 to 14,999 employees </option><option class="aon-field__option" value="More than 15,000 employees"> More than 15,000 employees </option><option class="aon-field__option" value="Not Applicable"> Not Applicable </option></select> <label class="aon-field__label" for="industry"> Employee Headcount </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text" id="error-industry-text"></span> </div> </div> </div> </fieldset> <fieldset class="aon-lead-modal__form-section"> <h6 class="aon-lead-modal__form-section--title"> How Can We Help? </h6> <div class="aon-lead-modal__form-section--group"> <div class="aon-textarea"> <textarea class="aon-textarea__input" name="comments" rows="5" placeholder="Add a message"></textarea> </div> </div> <div class="aon-lead-modal__form-legal-container"> <div class="aon-lead-modal__form-legal"> <p style="margin-top:0in;margin-bottom:0in;line-height:normal"><span>Aon will use the information you provide on this form to respond to your specific request. Submitting this form will not subscribe you to receiving marketing communications from Aon, and all information provided will be managed in accordance with <a href="/en/about/leadership-and-governance/privacy-policy" target="_blank">Aon's global privacy statement</a>.</span></p> </div> <button type="submit" id="fe7177" disabled="" class="aon-button aon-button__primary aon-button__primary--red"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">Submit</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </button> </div> </fieldset> </form> </section> <div class="modal-close aon-lead-modal__X-button"> <button aria-label="close" tabindex="0"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> <div class="modal-nav-sticky"> <h4> Let’s Connect </h4> <div class="modal-close"> <button aria-label="close" tabindex="-1"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> </div> </div> </div> </div> </section> <input type="hidden" name="countryCode" value=""/> <input type="hidden" name="busPhone" value=""/> <input type="hidden" name="eyebrow" id="eyebrow" value="I’m interested in"/> <input type="hidden" name="leadModalTitleCTABanner" id="leadModalTitleCTABanner" value="Health and Benefits"/> <input type="hidden" name="leadModalTitleFromContactUs" id="leadModalTitleFromContactUs" value="Talking to Aon"/>  <section id="leadModalSuccess" class="modal modal--success" data-component="Modal" data-clear-params="openModal, utm_source, utm_medium, utm_campaign, utm_id, utm_term, utm_content, elqCampaignId" tabindex="-1"> <div class="modal-dialog modal-dialog--centered modal-dialog--fullscreen" aria-modal="true" role="dialog" aria-labelledby="lead-modal-title" aria-describedby="lead-modal-desc"> <div class="modal-content modal-content--fullscreen modal-content--success"> <div class="aon-lead-modal aon-lead-modal--success container"> <aside aria-labelledby="lead-modal-title" class="aon-lead-modal__sidebar"> <section class="aon-lead-modal__sidebar--header"> <h2 tabindex="-1" class="modal-title"> Thank You </h2> <p> Your request was submitted successfully and is on its way to our team. </p> </section> <section class="aon-lead-modal__sidebar--addresses"> <section class="aon-lead-modal__sidebar--cta"> </section> <section class="aon-lead-modal__sidebar--contacts"> </section> </section> </aside> <section class="aon-lead-modal__content"> <section class="aon-modal__success-content"> <div class="aon-modal__success-icon"> <svg class="aon-icon aon-icon__check-circle" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#check-circle"></use> </svg> </div> <h3 class="modal-title aon-modal__success-header"> We’ll be in touch soon. </h3> <p class="aon-modal__success-short-description"> Your request is being reviewed so we can align you to the best resources on our team. In the meantime, we invite you to explore some of our latest insights below. </p> <section class="aon-modal__featured-insights-cards"> <h6 class="aon-modal__featured-insights-title"> Featured Insights </h6> <article class="content-card"> <a href="/en/insights/articles/litigation-and-contingent-risks-unlocking-the-value-in-mergers-and-acquisitions" class="content-card__topper content-card__topper--media"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_240,w_427/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_172,w_306/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_185,w_328/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg"/><img class="aon-img aon-aspect-ratio--16-9" src="https://res.aon.com/image/fetch/ar_16:9,c_lfill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/places/city-houses-real-estate-data-1339215136_e.jpg" alt="Litigation and Contingent Risks: Unlocking the Value in Mergers and Acquisitions Hero Banner" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article </p> <a href="/en/insights/articles/litigation-and-contingent-risks-unlocking-the-value-in-mergers-and-acquisitions" class="content-card__title"> <h6> Litigation and Contingent Risks: Unlocking the Value in M&A </h6> </a> </article> <article class="content-card"> <a href="/en/insights/articles/how-data-and-analytics-can-optimize-hr-programs" class="content-card__topper content-card__topper--media"> <picture><source media="(min-width:1900px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_240,w_427/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-629358988_rt.jpg"/><source media="(min-width:1200px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_172,w_306/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-629358988_rt.jpg"/><source media="(min-width:650px)" srcSet="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_185,w_328/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-629358988_rt.jpg"/><img class="aon-img aon-aspect-ratio--16-9" src="https://res.aon.com/image/fetch/ar_16:9,c_fill,f_auto,g_auto,h_184,w_327/https://assets.aon.com//-/media/images/photos/business/business-team-diversity-629358988_rt.jpg" alt="How Data and Analytics Can Optimize HR Programs Hero Image" loading="lazy"/> </picture> </a> <p class="content-card__eyebrow aon-eyebrow"> Article </p> <a href="/en/insights/articles/how-data-and-analytics-can-optimize-hr-programs" class="content-card__title"> <h6> How Data and Analytics Can Optimize HR Programs </h6> </a> </article> </section> <div class="aon-modal__success-cta"> <a href="/en/insights" class="aon-button aon-button__secondary aon-button__secondary--red"> <span class="aon-button__wrapper-content" aria-hidden="true"> <span class="aon-button__text">View All Insights</span> <svg class="aon-icon aon-icon__arrow-right" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> </section> </section> <div class="modal-close aon-lead-modal__X-button"> <button data-dismiss="modal" aria-label="close"> <svg class="aon-icon" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" viewBox="0 0 16 16"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> <div class="modal-nav-sticky"> <h4> Thank You </h4> <div class="modal-close"> <button data-dismiss="modal" aria-label="close"> <svg class="aon-icon" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" viewBox="0 0 16 16"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> </div> </div> </div> </div> </section>  <section id="gateModal" class="modal aon-gate-content__modal" data-component="Modal" data-clear-params="openModal,downloadLink,filename,successCollectionOffset" tabindex="-1"> <div class="modal-dialog modal-dialog--centered modal-dialog--fullscreen" aria-modal="true" role="dialog" aria-labelledby="lead-modal-title" aria-describedby="lead-modal-desc"> <div class="modal-content modal-content--fullscreen"> <div class="aon-gate-content__container"> <div class="aon-gate-content__content"> <aside aria-labelledby="lead-modal-title" class="aon-lead-modal__sidebar aon-gate-content__sidebar"> <section class="aon-lead-modal__sidebar--header aon-gate-content__sidebar--header"> <p class="aon-gate-content__download-text">Download File</p> <h2 id="gateModalTitle" tabindex="-1" class="modal-title aon-gate-content__title">Cybersecurity Report</h2> <p id="gateModalDesc" class="aon-gate-content__sidebar--description modal-description">This 250 page pdf ipsum dolor sit amet, consectetur adipiscing elit. Sed nec felis nisl. Nullam faucibus neque quis placerat porttitor. Maecenas id bibendum sapien, et malesuada.</p> </section> </aside> <section class="aon-lead-modal__content aon-gate-content__form-container"> <form class="aon-lead-modal__form aon-gate-content__form elq-form" data-component="GateContentForm" data-validate-type="onChange" novalidate="" method="post" autoComplete="off" data-form-type="Gated Content" action="https://s362693299.t.eloqua.com/e/f2" data-token-url="https://s362693299.t.eloqua.com/e/formsubmittoken" name="gbl_download_v20" data-datapass-capability="Health and Benefits" data-datapass-solution_line="Health Solutions" data-datapass-lead_details="Aon.com" data-datapass-product_service="" data-gpc-url="https://mypreferences.aon.com/api/posttogpc/formpost/"> <input type="hidden" name="openModal" value="gateContentSuccessModal"/> <input type="hidden" name="g-recaptcha-token" value=""/> <input type="hidden" name="elqSiteId" value="362693299"/> <input type="hidden" name="address3" value=""/> <fieldset class="aon-lead-modal__form-section"> <div class="aon-lead-modal__form-section--group aon-gate-content__input-field title-gap"> <div class="aon-field" data-component="TextInput" data-input-name="firstName"> <input aria-errormessage="error-firstName-text" aria-invalid="false" name="firstName" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="firstName"> First Name </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="lastName"> <input aria-errormessage="error-lastName-text" aria-invalid="false" name="lastName" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="lastName"> Last Name </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="title"> <input id="title" aria-errormessage="error-title-text" aria-invalid="false" name="title" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="title"> Job Title </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text" id="error-title-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="emailAddress"> <input id="emailAddress" aria-errormessage="error-emailAddress-text" aria-invalid="false" name="emailAddress" type="email" required="" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="emailAddress"> Business Email Address </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text" id="error-emailAddress-text"></span> </div> </div> <div class="aon-field" data-component="Dropdown" data-input-name="country"> <div class="aon-field__appearance-icon"> <svg class="aon-icon aon-icon__chevron-down" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#chevron-down"></use> </svg> </div> <select class="aon-field__input aon-field__select hidden-appearance" name="country" aria-errormessage="error-country-text" aria-invalid="false" required=""> <option class="aon-field__option" value=""> </option><option class="aon-field__option" value="AR"> Argentina </option><option class="aon-field__option" value="AW"> Aruba </option><option class="aon-field__option" value="AU"> Australia </option><option class="aon-field__option" value="AT"> Austria </option><option class="aon-field__option" value="BS"> Bahamas </option><option class="aon-field__option" value="BH"> Bahrain </option><option class="aon-field__option" value="BB"> Barbados </option><option class="aon-field__option" value="BE"> Belgium </option><option class="aon-field__option" value="BM"> Bermuda </option><option class="aon-field__option" value="BO"> Bolivia </option><option class="aon-field__option" value="BW"> Botswana </option><option class="aon-field__option" value="BR"> Brazil </option><option class="aon-field__option" value="VG"> British Virgin Islands </option><option class="aon-field__option" value="BG"> Bulgaria </option><option class="aon-field__option" value="CA"> Canada </option><option class="aon-field__option" value="KY"> Cayman Islands </option><option class="aon-field__option" value="CL"> Chile </option><option class="aon-field__option" value="CN"> China </option><option class="aon-field__option" value="CO"> Colombia </option><option class="aon-field__option" value="CR"> Costa Rica </option><option class="aon-field__option" value="HR"> Croatia </option><option class="aon-field__option" value="CY"> Cyprus </option><option class="aon-field__option" value="CZ"> Czechia </option><option class="aon-field__option" value="DK"> Denmark </option><option class="aon-field__option" value="DO"> Dominican Republic </option><option class="aon-field__option" value="EC"> Ecuador </option><option class="aon-field__option" value="EG"> Egypt </option><option class="aon-field__option" value="SV"> El Salvador </option><option class="aon-field__option" value="EE"> Estonia </option><option class="aon-field__option" value="FJ"> Fiji </option><option class="aon-field__option" value="FI"> Finland </option><option class="aon-field__option" value="FR"> France </option><option class="aon-field__option" value="DE"> Germany </option><option class="aon-field__option" value="GH"> Ghana </option><option class="aon-field__option" value="GI"> Gibraltar </option><option class="aon-field__option" value="GR"> Greece </option><option class="aon-field__option" value="GT"> Guatemala </option><option class="aon-field__option" value="GG"> Guernsey </option><option class="aon-field__option" value="GY"> Guyana </option><option class="aon-field__option" value="HT"> Haiti </option><option class="aon-field__option" value="HN"> Honduras </option><option class="aon-field__option" value="HK"> Hong Kong SAR </option><option class="aon-field__option" value="HU"> Hungary </option><option class="aon-field__option" value="IN"> India </option><option class="aon-field__option" value="ID"> Indonesia </option><option class="aon-field__option" value="IE"> Ireland </option><option class="aon-field__option" value="IM"> Isle of Man </option><option class="aon-field__option" value="IL"> Israel </option><option class="aon-field__option" value="IT"> Italy </option><option class="aon-field__option" value="JM"> Jamaica </option><option class="aon-field__option" value="JP"> Japan </option><option class="aon-field__option" value="JO"> Jordan </option><option class="aon-field__option" value="KZ"> Kazakhstan </option><option class="aon-field__option" value="KP"> Korea </option><option class="aon-field__option" value="KW"> Kuwait </option><option class="aon-field__option" value="LV"> Latvia </option><option class="aon-field__option" value="LB"> Lebanon </option><option class="aon-field__option" value="LT"> Lithuania </option><option class="aon-field__option" value="LU"> Luxembourg </option><option class="aon-field__option" value="MW"> Malawi </option><option class="aon-field__option" value="MY"> Malaysia </option><option class="aon-field__option" value="MT"> Malta </option><option class="aon-field__option" value="MU"> Mauritius </option><option class="aon-field__option" value="MX"> Mexico </option><option class="aon-field__option" value="MA"> Morocco </option><option class="aon-field__option" value="NA"> Namibia </option><option class="aon-field__option" value="NL"> Netherlands </option><option class="aon-field__option" value="NZ"> New Zealand </option><option class="aon-field__option" value="NI"> Nicaragua </option><option class="aon-field__option" value="NO"> Norway </option><option class="aon-field__option" value="OM"> Oman </option><option class="aon-field__option" value="PA"> Panama </option><option class="aon-field__option" value="PG"> Papua New Guinea </option><option class="aon-field__option" value="PE"> Peru </option><option class="aon-field__option" value="PH"> Philippines </option><option class="aon-field__option" value="PL"> Poland </option><option class="aon-field__option" value="PT"> Portugal </option><option class="aon-field__option" value="PR"> Puerto Rico </option><option class="aon-field__option" value="QA"> Qatar </option><option class="aon-field__option" value="RO"> Romania </option><option class="aon-field__option" value="SA"> Saudi Arabia </option><option class="aon-field__option" value="RS"> Serbia </option><option class="aon-field__option" value="SG"> Singapore </option><option class="aon-field__option" value="SK"> Slovak Republic </option><option class="aon-field__option" value="SI"> Slovenia </option><option class="aon-field__option" value="ZA"> South Africa </option><option class="aon-field__option" value="ES"> Spain </option><option class="aon-field__option" value="SE"> Sweden </option><option class="aon-field__option" value="CH"> Switzerland </option><option class="aon-field__option" value="TW"> Taiwan </option><option class="aon-field__option" value="TH"> Thailand </option><option class="aon-field__option" value="TT"> Trinidad and Tobago </option><option class="aon-field__option" value="TR"> Turkiye </option><option class="aon-field__option" value="TC"> Turks and Caicos Islands </option><option class="aon-field__option" value="UG"> Uganda </option><option class="aon-field__option" value="UA"> Ukraine </option><option class="aon-field__option" value="AE"> United Arab Emirates </option><option class="aon-field__option" value="GB"> United Kingdom </option><option class="aon-field__option" value="US"> United States </option><option class="aon-field__option" value="UY"> Uruguay </option><option class="aon-field__option" value="VU"> Vanuatu </option><option class="aon-field__option" value="VE"> Venezuela </option><option class="aon-field__option" value="VN"> Vietnam </option><option class="aon-field__option" value="YE"> Yemen </option></select> <label class="aon-field__label" for="country"> Location </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text" id="error-country-text"></span> </div> </div> <div class="aon-field" data-component="TextInput" data-input-name="company"> <input aria-errormessage="error-company-text" aria-invalid="false" name="company" required="" type="text" class="aon-field__input aon-field__textinput" value=""/> <label class="aon-field__label" for="company"> Organization Name </label> <div role="alert" class="aon-field__error"> <svg class="aon-icon aon-icon__error-input aon-field__error-icon" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#error-input"></use> </svg> <span class="aon-field__error-text"></span> </div> </div> <div class="aon-switch__description-group"> <label class="aon-switch"> <input type="checkbox" name="contact_me" value="ON"/> <span class="aon-slider aon-round"></span> </label> <p class="aon-switch__description"><strong>Contact me:</strong> I’d like to talk to a member of the Aon team about this topic.</p> </div> <div class="aon-switch__description-group"> <label class="aon-switch"> <input type="checkbox" name="subscribe" value="ON"/> <span class="aon-slider aon-round"></span> </label> <p class="aon-switch__description"><strong>Subscribe:</strong> Sign up to receive updates on the latest events, insights, news and more from our team.</p> </div> </div> </fieldset> <div class="aon-lead-modal__form-legal-container aon-gate-content__form-legal-container"> <div class="aon-lead-modal__form-legal aon-gate-content__form-legal"> <p> Aon and other Aon group companies will use your personal information to contact you from time to time about other products, services and events that we feel may be of interest to you. All personal information is collected and used in accordance with <a href="/en/about/leadership-and-governance/privacy-policy" target="_blank">Aon's global privacy statement</a>. </p> <p> Please <a href="https://mypreferences.aon.com/" target="new">click here</a> to manage your communication preferences. </p> <p> This site is protected by reCAPTCHA and the Google <a rel="noopener noreferrer" href="https://policies.google.com/privacy" target="_blank">Privacy Policy</a> and <a rel="noopener noreferrer" href="https://policies.google.com/terms" target="_blank">Terms of Service</a> apply. </p> </div> <button type="submit" disabled="" class="aon-button aon-button__primary aon-button__primary--red aon-button--download"> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Download Now</span> <svg class="aon-icon aon-icon__download" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#download"></use> </svg> </span> </button> <button type="submit" disabled="" class="aon-button aon-button__primary aon-button__primary--red modal-cta"> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Download Now</span> <svg class="aon-icon aon-icon__download" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </button> </div> <input type="hidden" name="industry" value=""/> </form> </section> <div class="modal-close aon-lead-modal__X-button aon-gate-content__X-button"> <button aria-label="close" tabindex="0"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> <div class="modal-nav-sticky aon-gate-content__modal-nav-sticky"> <h4>Download Now</h4> <div class="modal-close"> <button aria-label="close" tabindex="-1"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> </div> </div> </div> </div> </div> </section>  <section class="modal aon-gate-content__modal" data-component="Modal" data-clear-params="all" tabindex="-1" id="gateContentSuccessModal"> <div class="modal-dialog modal-dialog--centered modal-dialog--fullscreen modal-dialog--top" aria-modal="true" role="dialog" aria-labelledby="lead-modal-title" aria-describedby="lead-modal-desc"> <div class="modal-content modal-content--fullscreen"> <div class="aon-gate-content__container"> <div class="aon-gate-content__content"> <aside aria-labelledby="lead-modal-title" class="aon-lead-modal__sidebar aon-gate-content__success-sidebar"> <section class="aon-lead-modal__sidebar--header aon-gate-content__sidebar--header"> <p class="aon-gate-content__download-text">Download File</p> <h2 id="gate-success-modal-title" tabindex="-1" class="modal-title aon-gate-content__title"> Cybersecurity Report </h2> <p id="gate-success-modal-desc" class="modal-description aon-gate-content__sidebar--description"> This 250 page pdf ipsum dolor sit amet, consectetur adipiscing elit. Sed nec felis nisl. Nullam faucibus neque quis placerat porttitor. Maecenas id bibendum sapien, et malesuada nulla. </p> </section> </aside> <section class="aon-lead-modal__content aon-gate-content__form-container aon-gate-content__success-form-container"> <div class="aon-lead-modal__form aon-gate-content__form aon-gate-content__success-form"> <div class="aon-gate-content__success-icon"> <svg class="aon-icon aon-icon__check-circle" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#check-circle"></use> </svg> </div> <div class="aon-gate-content__success-content"> <h4 class="title">Your file is downloading.</h4> <p class="description">If you encounter an issue, use the link below to start a new download.</p> <button data-component="DownloadButton" data-download-source="url-parameters" class="aon-button aon-button__secondary aon-button__secondary--red aon-download-btn aon-button--download"> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Download Now</span> <svg class="aon-icon aon-icon__download" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#download"></use> </svg> </span> </button> <a class="aon-button aon-button__secondary aon-button__secondary--red modal-cta" target="_blank" href="" id="gateContentSuccessModalCta"> <span class="aon-button__wrapper-content"> <span class="aon-button__text">Download Now</span> <svg class="aon-icon aon-icon__download" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <use xlink:href="/lib/icons/symbol-defs.svg#arrow-right"></use> </svg> </span> </a> </div> <div class="modal-close aon-lead-modal__X-button aon-gate-content__X-button--large"> <button aria-label="close" tabindex="0"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> </div> </section> <div class="modal-nav-sticky aon-gate-content__modal-nav-sticky aon-gate-content__success-modal-nav-sticky"> <h4>Download Now</h4> <div class="modal-close"> <button aria-label="close" tabindex="-1"> <svg class="aon-icon" viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"> <use xlink:href="/lib/icons/symbol-defs.svg#close"></use> </svg> </button> </div> </div> </div> </div> </div> </div> </section>  <script> window.AON_CONSTANTS = { CONFIGURATION: { BRIGHTCOVE: { ACCOUNT_ID: '1509269527', PLAYER_ID: 'zOZv7cqhu0', }, REPCAPTCHA_KEY: "6LdhNXskAAAAADnUM4ThII3SKPHY0chRICUns0b5", SEARCH_STAX: { connector: { suggester: 'https://searchcloud-2-us-east-1.searchstax.com/29847/aonprod-1061_suggester/emsuggest', suggesterToken: '9077d0764d6400fd4d7652ca25182e42a51ca3e0', searchAPIKey: "2ca11683f739353d207d0e718b9ae2bf5909893b", apikey: "OOqFhf2QYDgFUEkkrapDBVJOGDHGRxBuWd9GC8a6lJU", authentication: "9077d0764d6400fd4d7652ca25182e42a51ca3e0", url: "https://searchcloud-2-us-east-1.searchstax.com/29847/aonprod-1061/emselect", suggester_auth_token: "9077d0764d6400fd4d7652ca25182e42a51ca3e0", search_auth_type: "token", suggester: "https://searchcloud-2-us-east-1.searchstax.com/29847/aonprod-1061_suggester/emsuggest", suggesterToken: "9077d0764d6400fd4d7652ca25182e42a51ca3e0", relatedSearches: "https://app.searchstax.com/api/v1/1061/related-search/", fields: { title: "title_t", snippet: "shortdescription_t", ribbon: "content_type_tag_string_cf_s", thumbnail: "page_feature_image_cf_s", date: "minread_cf_s", url: "page_url_cf_s", }, languageScCode: "en", language: "en", hideUniqueKey: true, } }, }, FORM_VALIDATION_MESSAGES: { required: 'This Field Is Required', email: 'Invalid Email Address', tel: 'Phone Is Required' } }; </script> <script src="/lib/aon-lib.main.js?v=uEVGndeggR172j3dhmu1znHptHbwmLYJNC9qSxvKKH01"></script> <script>if(window){if(!window.uniform)window.uniform={};window.uniform.tracking={"item":{"id":"3b3d223c-a9f1-427f-a27b-383dbf17e310","name":"Health and Benefits"},"campaigns":{},"events":{},"goals":{},"settings":{"scoring":{"minimalProfileScoreCount":3},"session":{"timeout":20},"campaigns":{"parameters":["sc_camp"]},"goals":{"parameters":["sc_goals"]},"cookies":{"visit":["campaign","campaigns","goals","patterns","profiles"],"visitor":["visitCount"]}},"visit":{"isNew":false,"lastActivity":null}};window.uniform.tracking.personalization={};}function loadScript(e,t){var a=document.createElement("script");a.type="text/javascript",a.readyState?a.onreadystatechange=function(){"loaded"!==a.readyState&&"complete"!==a.readyState||(a.onreadystatechange=null,t())}:a.onload=function(){t()},a.src=e,document.getElementsByTagName("head")[0].appendChild(a)}loadScript("/scripts/uniform.optimize.min.js", function() {window.uniformdev.doTracking({"debug":false,"mode":"mvc","predefinedRuleMultiRuleAndOperator":false,"sessionTimeout":20,"source":"sitecore"})});</script> </div> </div></body></html><script>document.cookie = "UNIFORM_TRACKER_visit_state=1732704016000|1732704016000;path=/";document.cookie = "UNIFORM_TRACKER_visit_id=;path=/;expires=Thu, 01 Jan 1970 00:00:01 GMT";</script>

CINXE.COM

Health and Benefits | Aon