CINXE.COM

<!doctype html><html lang="en"><head><script>window.pageStartTs = Date.now()</script><link as="script" href="https://www.smh.com.au/afx_prid/2023.10.16.1/auth/ps/p202310161.js?lcsid=D3377D70-045F-4C2C-B07F-C88533E87E67" rel="preload"/><script>var afx_start = Date.now();</script><script src="https://www.smh.com.au/afx_prid/2023.10.16.1/auth/ps/p202310161.js?lcsid=D3377D70-045F-4C2C-B07F-C88533E87E67"></script><meta charSet="utf-8"/><meta content="width=device-width, initial-scale=1, shrink-to-fit=no" name="viewport"/><meta content="ie=edge" http-equiv="x-ua-compatible"/><meta content="#0A1633" name="theme-color"/><link href="//api.ffx.io" rel="dns-prefetch"/><link href="//static.ffx.io" rel="dns-prefetch"/><link href="//fonts.gstatic.com" rel="dns-prefetch"/><script>tp = window.tp || []; try { // Set Application ID tp.push(["setAid", 'cVFzHR9Qpa']); // Is application in sandbox? tp.push(["setSandbox", false]); // Does application use Piano ID? tp.push(["setUseTinypassAccounts", false]); tp.push(["setEndpoint", "https://buy-au.piano.io/api/v3"]); } catch (error) { console.error("Failed Piano push, error: ", error) } </script><link href="//www.googletagmanager.com" rel="dns-prefetch"/><link href="//plugin.mediavoice.com" rel="dns-prefetch"/><link crossorigin="anonymous" href="https://securepubads.g.doubleclick.net" rel="preconnect"/><link crossorigin="anonymous" href="https://partner.googleadservices.com" rel="preconnect"/><link crossorigin="anonymous" href="https://adservice.google.com" rel="preconnect"/><link crossorigin="anonymous" href="https://tpc.googlesyndication.com" rel="preconnect"/><script async="" id="gptHeadScript" src="https://securepubads.g.doubleclick.net/tag/js/gpt.js"></script><script> const canTrackUser = function() { var disallowedTimeZones = new RegExp('Europe/|/Los_Angeles', 'i'); var userTimeZone = Intl.DateTimeFormat().resolvedOptions().timeZone; return !userTimeZone ? false : !disallowedTimeZones.test(userTimeZone); }; if (canTrackUser()) { ;(function(p,l,o,w,i,n,g){if(!p[i]){p.GlobalSnowplowNamespace=p.GlobalSnowplowNamespace||[]; p.GlobalSnowplowNamespace.push(i);p[i]=function(){(p[i].q=p[i].q||[]).push(arguments) };p[i].q=p[i].q||[];n=l.createElement(o);g=l.getElementsByTagName(o)[0];n.async=1; n.src=w;g.parentNode.insertBefore(n,g)}} (window,document,"script","//d2uhnetoehh304.cloudfront.net/2.18.2/sp.js","snowplow")); if(window.snowplow) { window.snowplow('newTracker', 'ffx', 'i.ffx.io', { appId: 'smh-web', contexts: { performanceTiming: false, webPage: true, gaCookies: true }, discoverRootDomain: true, maxLocalStorageQueueSize: 50, post: true }); window.snowplow('enableActivityTracking:ffx', 10, 10) window.snowplow(function(){ window.ffxSnowplow = this && this['ffx'] }) } } </script><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= '//www.googletagmanager.com/gtm.js?id='+i+dl+''; f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer', 'GTM-TCMZ2X6');</script><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= '//www.googletagmanager.com/gtm.js?id='+i+dl+''; f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayerGA4', 'GTM-N5X99R5W');</script><script>(function(w,d,t,r,u){var f,n,i;w[u]=w[u]||[],f=function(){var o={ti:"4010841"}; o.q=w[u],w[u]=new UET(o),w[u].push("pageLoad")},n=d.createElement(t),n.src=r,n.async=1, n.onload=n.onreadystatechange=function(){var s=this.readyState;s&&s!=="loaded"&&s!=="complete"||(f(), n.onload=n.onreadystatechange=null)},i=d.getElementsByTagName(t)[0],i.parentNode.insertBefore(n,i); })(window,document,"script","//bat.bing.com/bat.js","uetq");</script><script data-rh="true" type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","author":{"@type":"Person","name":"Rachel Lane"},"dateModified":"2024-11-19T18:01:00+00:00","datePublished":"2024-11-19T18:01:00+00:00","description":"While the intention of gifting is often to help family members, you need to make sure that you don’t rob Peter to pay Paul.","headline":"Thinking of gifting the grandkids some money? Check this first","image":{"@type":"ImageObject","height":450,"url":"https://static.ffx.io/images/$zoom_0.181%2C$multiply_0.7554%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb","width":800},"keywords":"","mainEntityOfPage":{"@id":"https://www.smh.com.au/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html","@type":"WebPage"},"publisher":{"@type":"Organization","logo":{"@type":"ImageObject","height":"628","url":"https://www.smh.com.au/smh.png","width":"1200"},"name":"The Sydney Morning Herald"},"isAccessibleForFree":false,"hasPart":{"@type":"WebPageElement","isAccessibleForFree":false,"cssSelector":".paywall"},"isPartOf":{"@type":["CreativeWork","Product"],"name":"The Sydney Morning Herald","productID":"smh.com.au:webonly"}}</script><title data-rh="true">Gifting money to family: pros and cons</title><style>*{box-sizing:border-box}a,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,em,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,object,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{padding:0;border:0;margin:0;font:inherit;font-size:100%;vertical-align:baseline}article,aside,details,figcaption,figure,footer,header,hgroup,main,menu,nav,section,summary{display:block}body{line-height:1}ol,ul{list-style:none}blockquote,q{quotes:none}blockquote:after,blockquote:before,q:after,q:before{content:"";content:none}table{border-collapse:collapse;border-spacing:0}abbr{text-decoration:none}button,input:not([type=radio]):not([type=checkbox]){-webkit-appearance:none}input[type=search]{-webkit-appearance:textfield}button{font:inherit}@font-face{font-display:swap;font-family:Abril Titling;font-style:normal;font-weight:400;src:url(/assets/4d02358a.woff2) format("woff2"),url(/assets/6da01c6c.woff) format("woff")}@font-face{font-display:swap;font-family:Abril Titling;font-style:italic;font-weight:400;src:url(/assets/c5f3dffd.woff2) format("woff2"),url(/assets/76537870.woff) format("woff")}@font-face{font-display:swap;font-family:Abril Titling Bold;font-style:normal;font-weight:500;src:url(/assets/c67d7077.woff2) format("woff2"),url(/assets/76d4d4e2.woff) format("woff")}@font-face{font-display:swap;font-family:Abril Titling Bold;font-style:italic;font-weight:500;src:url(/assets/b81bb9a1.woff2) format("woff2"),url(/assets/be269ac8.woff) format("woff")}@font-face{font-display:swap;font-family:PT Sans;font-style:normal;font-weight:400;src:url(/assets/dd51f8cf.woff2) format("woff2"),url(/assets/13175aa7.woff) format("woff")}@font-face{font-display:swap;font-family:PT Sans;font-style:normal;font-weight:700;src:url(/assets/9ff0e533.woff2) format("woff2"),url(/assets/8edd2fca.woff) format("woff")}@font-face{font-display:swap;font-family:PT Serif;font-style:normal;font-weight:400;src:url(/assets/3dffa6aa.woff2) format("woff2"),url(/assets/771a7b18.woff) format("woff")}@font-face{font-display:swap;font-family:PT Serif;font-style:normal;font-weight:700;src:url(/assets/b9bc76d6.woff2) format("woff2"),url(/assets/f9402efb.woff) format("woff")}@font-face{ascent-override:101.8%;descent-override:27.6%;font-family:system-fonts-primary;src:local(Trebuchet MS),local(Arial Narrow)}@font-face{ascent-override:103.9%;descent-override:28.6%;font-family:system-fonts-secondary;src:local(Georgia),local(Times),local(Times New Roman)}@font-face{ascent-override:79%;descent-override:28%;font-family:system-fonts-tertiary;src:local(Book Antiqua),local(Palatino),local(Palatino Linotype),local(Palatino LT STD),local(Georgia)}*,:after,:before{box-sizing:inherit}body,html{min-width:320px;height:100%}html{box-sizing:border-box;-webkit-overflow-scrolling:touch;-webkit-text-size-adjust:100%}body{background-color:#fff;color:#232323;font-family:PT Sans,Trebuchet MS,Arial Narrow,sans-serif}a{color:#555;text-decoration:none}a:focus,a:hover{color:#096dd2;transition:color .2s ease-out}@media only screen and (max-device-width:1366px)and (-webkit-min-device-pixel-ratio:1.5){body.overlay{position:absolute;right:0;left:0}}@media(-webkit-min-device-pixel-ratio:0){.lock{position:fixed;width:100%}}#app{background-color:#fff}.lock,.ReactModal__Body--open{overflow:hidden;height:100vh}@media only screen and (max-width:767px){.commentLock{overflow:hidden}}@media only screen and (max-width:767px)and (-webkit-min-device-pixel-ratio:0){.commentLock{position:fixed;width:100%}}@media only screen and (max-width:767px){.lockMobile{overflow:hidden}}.printOnly{display:none}@media only print{.printOnly{display:initial}}@media only print{.noPrint{display:none!important}}:root{--colorBrand:#0a1633;--colorBrandOffset:#192646;--colorDarkAccent:#454f64;--colorDarkAccent2:#454f64;--colorAuthor:#d7dbe3;--colorExplainer:tomato;--colorOpinion:#f4f5f7;--colorHeaderOffset:#192646;--colorHeaderDescription:#fff;--colorWarmFill:#f7f6f5;--colorAction:#096dd2;--colorActionAlt:#096dd2;--colorActionLight:#4095ec;--colorActionDark:#0053a6;--colorActionDarkest:#004080;--colorActionInverted:#096dd2;--colorActionOnDark:#58b5ff;--colorActionOnDarkHover:#58b5ff;--colorActionOnDarkUnderline:transparent;--colorLink:#096dd2;--colorLinkHover:#096dd2;--textDecorationLink:none;--colorLabel:#0a1633;--colorLabelHighlight:transparent;--colorLabelUrgent:#d9172f;--colorLabelUrgentDark:tomato;--colorLabelUrgentHighlight:transparent;--labelBorderInline:4px solid $colorLightAccent;--labelHeightInline:14px;--labelInsetLivePulse:5px;--labelPadding:0;--labelPaddingLive:15px;--colorButton:#096dd2;--colorButtonInactive:#a6acba;--colorButtonInactiveText:#677085;--colorButtonSecondary:none;--colorButtonSecondaryHover:#d4d4d4;--colorButtonSecondaryText:#3a3a3a;--colorButtonText:#fff;--buttonFontWeight:400;--colorHighlight:#d9172f;--colorNavAction:#58b5ff;--colorLightFill:#f4f5f7;--colorNavSubsectionLinks:#192646;--colorNavSubsectionAction:#096dd2;--colorNavSubsectionLightFill:#f4f5f7;--colorHighlightOffset:tomato;--colorMenuAction:#096dd2;--colorMenuSubscriber1:#751e3a;--colorMenuSubscriber2:#38366a;--colorMenuSubscriber3:#d9172f;--colorMenuSubscriberHighlight:#d9172f;--colorMenuSubscriberBadgeText:#fff;--colorInlineAnchorAction:#096dd2;--colorInlineAnchorActionUnderline:transparent;--colorInlineAnchorBorder:9,109,210;--colorInlineHoverAction:#096dd2;--colorInlineQuote:#d7dbe3;--heightInlineAnchorBorder:1px;--transparencyInlineAnchorBorder:.4;--colorArticleToolHover:#d7dbe3;--colorArticleToolActive:#004080;--colorMostPopularCounter:#454f64;--colorStoryTileHighlight:#096dd2;--textDecorationStoryTile:none;--fontWeightAuthorByline:400;--colorPaywallBackground:#0a1633;--colorPaywallButtonAction:#0053a6;--colorPaywallText:#fff;--colorFooterAction:#454f64;--colorFooterSection:#454f64;--colorSubscriberGlowBottom:10,22,51;--colorSubscriberGlowMid:217,23,47;--colorSubscriberGlowSurround:56,54,106;--colorLiveArticleByLineUnderline:transparent;--colorLiveArticleByLineLink:#096dd2;--colorLiveArticleHeader:#192646;--colorLiveArticleLabel:#d9172f;--colorLiveArticleLatestPostLink:#096dd2;--colorLiveArticlePill:#d9172f;--colorLiveArticlePillText:#fff;--filterLiveArticlePin:none;--fontWeightPostPublishedTime:normal;--colorPagination:#096dd2;--colorPaginationHover:#096dd2;--colorStoryTileHeadlineHover:#096dd2;--colorStoryTileHeadlineHoverUnderline:transparent;--colorSearchChip:#d9edff;--colorSearchChipHover:#096dd2;--colorSearchRadio:auto;--colorSectionHover:#2684ff;--colorOptionHover:#eff5fe;--colorOptionSelected:#f7faff;--colorBorder:#d7dbe3;--colorMarketTabLink:#096dd2;--colorMarketTabHover:#0a1633;--colorCommentsAction:#3a3a3a;--colorCommenterRole:#555;--colorCommenterTag:#9bcfff;--colorCommentsText:#232323;--colorCommentsTimestamp:#767676;--colorWarning:#ff8b00;--colorWarningAlt:#a6acba}.brisbanetimes,:root{--colorPaginationStroke:#fff}.brisbanetimes{--colorBrand:#232323;--colorBrandOffset:#000;--colorDarkAccent:#555;--colorDarkAccent2:#666;--colorAuthor:#69e8ff;--colorExplainer:#69e8ff;--colorOpinion:#faf5e6;--colorHeaderOffset:#232323;--colorHeaderDescriptionDark:#d4d4d4;--colorWarmFill:#f0f0f0;--colorAction:#69e8ff;--colorActionAlt:#232323;--colorActionLight:#1bcded;--colorActionDark:#1bcded;--colorActionDarkest:#1bcded;--colorActionInverted:#767676;--colorActionOnDark:#fff;--colorActionOnDarkHover:#69e8ff;--colorActionOnDarkUnderline:#fff;--colorLink:#232323;--colorLinkHover:#0088a1;--textDecorationLink:underline;--colorLabel:#232323;--colorLabelHighlight:#69e8ff;--colorLabelUrgent:#232323;--colorLabelUrgentDark:#232323;--colorLabelUrgentHighlight:#f4fb55;--labelBorderInline:none;--labelHeightInline:20px;--labelInsetLivePulse:7px auto auto 8px;--labelPadding:2px 8px;--labelPaddingLive:18px;--colorButton:#69e8ff;--colorButtonActive:brightTurquoise;--colorButtonInactive:#d4d4d4;--colorButtonText:#232323;--buttonFontWeight:700;--colorHighlight:#1bcded;--colorNavAction:#69e8ff;--colorLightFill:#232323;--colorNavSubsectionLinks:#fff;--colorNavSubsectionAction:#1bcded;--colorNavSubsectionLightFill:#000;--colorHighlightOffset:#1bcded;--colorMenuAction:#3a3a3a;--colorMenuSubscriber1:#f4fb55;--colorMenuSubscriber2:#555;--colorMenuSubscriber3:#f4fb55;--colorMenuSubscriberHighlight:#555;--colorMenuSubscriberBadgeText:#000;--colorInlineAnchorAction:#000;--colorInlineAnchorActionUnderline:#000;--colorInlineAnchorBorder:0,0,0;--colorInlineHoverAction:#0088a1;--colorInlineQuote:#d4d4d4;--heightInlineAnchorBorder:2px;--transparencyInlineAnchorBorder:10;--colorArticleToolHover:#f0f0f0;--colorArticleToolActive:#0088a1;--colorMostPopularCounter:#1bcded;--colorStoryTileHighlight:initial;--textDecorationStoryTile:underline #1bcded;--fontWeightAuthorByline:700;--colorPaywallBackground:#69e8ff;--colorPaywallButtonAction:#004c5a;--colorPaywallText:#232323;--colorFooterAction:#767676;--colorFooterSection:#3a3a3a;--colorSubscriberGlowBottom:35,35,35;--colorSubscriberGlowMid:35,35,35;--colorSubscriberGlowSurround:35,35,35;--colorLiveArticleByLineUnderline:#232323;--colorLiveArticleByLineLink:#232323;--colorLiveArticleHeader:#232323;--colorLiveArticleLabel:#0088a1;--colorLiveArticleLatestPostLink:#0088a1;--colorLiveArticlePill:#69e8ff;--colorLiveArticlePillText:#232323;--filterLiveArticlePin:hue-rotate(191deg) saturate(2.1);--fontWeightPostPublishedTime:bold;--colorPagination:#232323;--colorPaginationHover:#3a3a3a;--colorStoryTileHeadlineHover:#3a3a3a;--colorStoryTileHeadlineHoverUnderline:#69e8ff;--colorSearchChip:#faf5e6;--colorSearchChipHover:#f4fb55;--colorSearchRadio:#0088a1;--colorSectionHover:#00a6c4;--colorOptionHover:#f0f0f0;--colorOptionSelected:#f7f6f5;--colorBorder:#a5a5a5;--colorMarketTabLink:#555;--colorMarketTabHover:#0088a1;--colorCommenterTag:#69e8ff}body{overflow-x:hidden}._3BiGC{z-index:90;position:fixed;top:0;width:100%;height:3px;background:#d9172f}._2O3rv{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._3zMrp{z-index:70;position:fixed;top:0;right:0;bottom:0;left:0;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;background:rgba(0,0,0,.6)}._2zP2_{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}._1Jq9J{position:relative;width:100%;height:100%;font-family:PT Sans,system-fonts-primary,sans-serif;overflow-y:auto}.Szm4a.Szm4a{display:-ms-flexbox;display:flex;-ms-flex-direction:column;flex-direction:column;padding:48px 20px;background:#f4f5f7}@media only screen and (min-width:768px){.Szm4a.Szm4a{width:480px;height:auto;padding:64px 60px;border:1px solid #000;border-radius:8px;box-shadow:0 7px 36px 6px rgba(0,0,0,.12),0 19px 29px 2px rgba(0,0,0,.14),0 9px 12px -6px rgba(0,0,0,.2)}}._3LxJ_{position:fixed;left:0;overflow:hidden;width:100%;height:100%}.oFzKC{line-height:1.1666666667;font-size:1.5rem;margin:0 10% 24px;color:var(--colorBrand);font-family:Abril Titling Bold,system-fonts-tertiary,serif;text-align:center}@media only screen and (min-width:768px){.oFzKC{line-height:1.1428571429;font-size:1.75rem}}._1LPEN{position:absolute;top:0;right:0;padding:20px 20px 16px 16px;border:0;background-color:transparent;color:var(--colorBrand);cursor:pointer;font-size:24px}@media only screen and (min-width:768px){._1LPEN{padding:28px 28px 16px 16px}}._1LPEN span{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._3zMrp{z-index:70;position:fixed;top:0;right:0;bottom:0;left:0;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;background:rgba(0,0,0,.6)}._2zP2_{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}._1Jq9J{position:relative;width:100%;height:100%;font-family:PT Sans,system-fonts-primary,sans-serif;overflow-y:auto}.OK924{width:auto;max-width:624px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:320px}@media only print{.OK924{max-width:-webkit-fit-content;max-width:-moz-fit-content;max-width:fit-content}}.OK924:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){.OK924{width:auto;max-width:808px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:736px}.OK924:after{content:"";display:table;clear:both}}@media only screen and (min-width:1024px){.OK924{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:1000px}.OK924:after{content:"";display:table;clear:both}}._2TEVJ{padding:0 20px}@media only screen and (max-width:360px){._2TEVJ .adWrapper{margin-right:-20px;margin-left:-20px}}._2eeHA{padding-top:32px;padding-bottom:48px}@media only screen and (min-width:768px){._2eeHA{padding-top:56px;padding-bottom:64px}}._1npeq a{color:var(--colorLink);text-decoration:var(--textDecorationLink)}._1npeq a:hover{color:var(--colorLinkHover);text-decoration:underline}._1npeq em{font-style:italic}._3_hLE{line-height:1.2307692308;font-size:.8125rem;padding:12px;border:0;border-radius:4px;letter-spacing:1px;text-align:center;text-transform:uppercase;transition:all .1s}._17BTN{background:var(--colorAction);font-weight:700;text-decoration:none}._17BTN._17BTN,._17BTN._17BTN:active,._17BTN._17BTN:hover,._17BTN._17BTN:visited,._17BTN:active,._17BTN:hover,._17BTN:visited{color:var(--colorButtonText);text-decoration:none}._17BTN:focus,._17BTN:hover{background:var(--colorActionDark)}._17BTN:active{background:var(--colorActionDarkest)}._1Zci0{border:1px solid hsla(0,0%,100%,.25);background:transparent;color:#fff}@media not all and (min-resolution:0.001dpcm){@supports(-webkit-appearance:none){._1Zci0{-webkit-font-smoothing:antialiased}}}._1Zci0:focus,._1Zci0:hover{border-color:#096dd2;background:#096dd2;color:#fff}._1Zci0:active{border-color:#004080;background:#004080;color:#fff}._17muu{border:none;background:none;border-radius:0}._1AsGk{margin-bottom:16px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:28px;line-height:32px}@media only screen and (min-width:768px){._1AsGk{margin-bottom:24px;font-size:48px;line-height:56px}}._21ebA{line-height:1.1666666667;font-size:1.5rem;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}@media only screen and (min-width:768px){._21ebA{line-height:1.1428571429;font-size:1.75rem}}._2LDXj{margin-top:32px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:20px;line-height:24px}._2LDXj,.KpWOE{margin-bottom:16px;color:var(--colorBrand)}.KpWOE{line-height:1.6470588235;font-size:1.0625rem;padding:8px 0;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin-top:24px;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (min-width:768px){.KpWOE{line-height:1.4;font-size:1.25rem;letter-spacing:3px}}.cMu-d{margin-bottom:32px}.cMu-d:after,.cMu-d:before{display:table;content:""}.cMu-d:after{clear:both}@media only screen and (min-width:768px){._32Pk2{display:block;clear:both;float:none;width:100%;margin-right:auto}._32Pk2,._32Pk2:first-child{margin-left:auto}._32Pk2:last-child{margin-right:auto}}@media only screen and (min-width:1024px){._32Pk2{float:left;clear:none;text-align:inherit;width:65.9166666667%;margin-left:0;margin-right:2.25%}._32Pk2:after{content:"";display:table;clear:both}._32Pk2:last-child{margin-right:0}}.AkZ3C{min-height:135px;margin-bottom:20px}.oKsgR{padding-top:24px;border-top:3px solid #d7dbe3}.oKsgR a{word-break:break-word;word-wrap:break-word}.oKsgR strong{font-weight:700}.oKsgR em{font-style:italic}.oKsgR p{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR p{line-height:1.7777777778;font-size:1.125rem}}.oKsgR h2,.oKsgR h3{line-height:1.1428571429;font-size:1.75rem;margin-top:32px;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}.oKsgR li{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR li{line-height:1.7777777778;font-size:1.125rem}}._3mNPm{counter-reset:b}._3mNPm li{margin-left:25px}._3mNPm>li:before{content:counters(b,".") ". ";counter-increment:b}._3gnhE{margin-top:16px;margin-left:25px;list-style:disc}._2N9eJ{line-height:1.125;font-size:1rem;width:100%;height:40px;padding:12px;border:1px solid #a6acba;border-radius:4px}._2Kbwt._2Kbwt{overflow:visible;width:335px;height:auto;background:var(--colorBrand);border-radius:8px;box-shadow:0 9px 12px -6px rgba(0,0,0,.2),0 19px 29px 2px rgba(0,0,0,.14),0 7px 36px 6px rgba(0,0,0,.12);color:#fff;opacity:1;outline:0;text-align:center;transform:translateY(-8px)}@media only screen and (min-width:768px){._2Kbwt._2Kbwt{transform:translateY(-32px)}}.X5j8z{opacity:0;transition:opacity .8s ease-out}._1Wwod{height:57px}._1Wwod._2hoZW:before{top:-25px;left:105px;width:125px;height:125px;background-image:url(/assets/24b5461f.svg)}._1Wwod._2hoZW:before,._1Wwod.fmXca:before{position:absolute;background-repeat:no-repeat;background-size:contain;content:""}._1Wwod.fmXca:before{top:-14px;left:129px;width:77px;height:77px;background-image:url(/assets/7436c239.svg)}._1p0uJ{top:16px;right:16px;background-color:var(--colorBrand);color:#fff;cursor:pointer;font-size:1rem}._1p0uJ,._1p0uJ span{position:absolute;border:0}._1p0uJ span{overflow:hidden;width:1px;height:1px;padding:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._2y0f-{padding:32px}._2y0f- h2{line-height:1;font-size:1.5rem;margin-bottom:12px;font-family:Abril Titling Bold,system-fonts-tertiary,serif;font-weight:400}._2y0f- p{line-height:1.3333333333;font-size:.9375rem;margin-bottom:24px;font-family:PT Sans,system-fonts-primary,sans-serif}._2y0f- a{color:#58b5ff;text-decoration:underline}._2y0f- ._1mB6P{line-height:1.4285714286;font-size:.875rem}._2y0f- ._3zNmr{text-align:center}._2y0f- ._3zNmr:before{display:inline-block;width:40px;height:1px;margin-bottom:16px;background-color:#454f64;content:""}._3bvkr._3bvkr{line-height:1.8461538462;font-size:.8125rem;width:100%;font-weight:700;letter-spacing:2px}._1i3Oc{-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center}._1i3Oc,._1i3Oc:after{width:100%;height:18px}._1i3Oc:after{background:linear-gradient(180deg,var(--colorBrand) 0,rgba(var(--colorBrand),0)),linear-gradient(90deg,rgba(var(--colorBrand),0) 0,#d9172f 50%,rgba(var(--colorBrand),0))}._1i3Oc:after,._1i3Oc:before{position:absolute;bottom:0;left:0;content:""}._1i3Oc:before{width:100%;height:3px;background:linear-gradient(90deg,rgba(var(--colorBrand),0) 0,#d9172f 50%,rgba(var(--colorBrand),0))}._3zMrp{z-index:70;position:fixed;top:0;right:0;bottom:0;left:0;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;background:rgba(0,0,0,.6)}._2zP2_{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}._1Jq9J{position:relative;width:100%;height:100%;font-family:PT Sans,system-fonts-primary,sans-serif;overflow-y:auto}.OK924{width:auto;max-width:624px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:320px}@media only print{.OK924{max-width:-webkit-fit-content;max-width:-moz-fit-content;max-width:fit-content}}.OK924:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){.OK924{width:auto;max-width:808px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:736px}.OK924:after{content:"";display:table;clear:both}}@media only screen and (min-width:1024px){.OK924{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:1000px}.OK924:after{content:"";display:table;clear:both}}._2TEVJ{padding:0 20px}@media only screen and (max-width:360px){._2TEVJ .adWrapper{margin-right:-20px;margin-left:-20px}}._2eeHA{padding-top:32px;padding-bottom:48px}@media only screen and (min-width:768px){._2eeHA{padding-top:56px;padding-bottom:64px}}._1npeq a{color:var(--colorLink);text-decoration:var(--textDecorationLink)}._1npeq a:hover{color:var(--colorLinkHover);text-decoration:underline}._1npeq em{font-style:italic}._3_hLE{line-height:1.2307692308;font-size:.8125rem;padding:12px;border:0;border-radius:4px;letter-spacing:1px;text-align:center;text-transform:uppercase;transition:all .1s}._17BTN{background:var(--colorAction);font-weight:700;text-decoration:none}._17BTN._17BTN,._17BTN._17BTN:active,._17BTN._17BTN:hover,._17BTN._17BTN:visited,._17BTN:active,._17BTN:hover,._17BTN:visited{color:var(--colorButtonText);text-decoration:none}._17BTN:focus,._17BTN:hover{background:var(--colorActionDark)}._17BTN:active{background:var(--colorActionDarkest)}._1Zci0{border:1px solid hsla(0,0%,100%,.25);background:transparent;color:#fff}@media not all and (min-resolution:0.001dpcm){@supports(-webkit-appearance:none){._1Zci0{-webkit-font-smoothing:antialiased}}}._1Zci0:focus,._1Zci0:hover{border-color:#096dd2;background:#096dd2;color:#fff}._1Zci0:active{border-color:#004080;background:#004080;color:#fff}._17muu{border:none;background:none;border-radius:0}._1AsGk{margin-bottom:16px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:28px;line-height:32px}@media only screen and (min-width:768px){._1AsGk{margin-bottom:24px;font-size:48px;line-height:56px}}._21ebA{line-height:1.1666666667;font-size:1.5rem;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}@media only screen and (min-width:768px){._21ebA{line-height:1.1428571429;font-size:1.75rem}}._2LDXj{margin-top:32px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:20px;line-height:24px}._2LDXj,.KpWOE{margin-bottom:16px;color:var(--colorBrand)}.KpWOE{line-height:1.6470588235;font-size:1.0625rem;padding:8px 0;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin-top:24px;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (min-width:768px){.KpWOE{line-height:1.4;font-size:1.25rem;letter-spacing:3px}}.cMu-d{margin-bottom:32px}.cMu-d:after,.cMu-d:before{display:table;content:""}.cMu-d:after{clear:both}@media only screen and (min-width:768px){._32Pk2{display:block;clear:both;float:none;width:100%;margin-right:auto}._32Pk2,._32Pk2:first-child{margin-left:auto}._32Pk2:last-child{margin-right:auto}}@media only screen and (min-width:1024px){._32Pk2{float:left;clear:none;text-align:inherit;width:65.9166666667%;margin-left:0;margin-right:2.25%}._32Pk2:after{content:"";display:table;clear:both}._32Pk2:last-child{margin-right:0}}.AkZ3C{min-height:135px;margin-bottom:20px}.oKsgR{padding-top:24px;border-top:3px solid #d7dbe3}.oKsgR a{word-break:break-word;word-wrap:break-word}.oKsgR strong{font-weight:700}.oKsgR em{font-style:italic}.oKsgR p{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR p{line-height:1.7777777778;font-size:1.125rem}}.oKsgR h2,.oKsgR h3{line-height:1.1428571429;font-size:1.75rem;margin-top:32px;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}.oKsgR li{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR li{line-height:1.7777777778;font-size:1.125rem}}._3mNPm{counter-reset:b}._3mNPm li{margin-left:25px}._3mNPm>li:before{content:counters(b,".") ". ";counter-increment:b}._3gnhE{margin-top:16px;margin-left:25px;list-style:disc}._2N9eJ{line-height:1.125;font-size:1rem;width:100%;height:40px;padding:12px;border:1px solid #a6acba;border-radius:4px}._1Mj0V{display:none;border:0}.bETJP{border-radius:4px}@media only screen and (min-width:1024px){.bETJP{overflow:hidden;height:auto}}.bETJP.bETJP{display:-ms-flexbox;display:flex;width:calc(100% - 48px);height:auto;max-height:calc(100% - 48px);-ms-flex-direction:column;flex-direction:column;background:#fff;box-shadow:0 0 16px 2px rgba(0,0,0,.3)}@media only screen and (min-width:768px){.bETJP.bETJP{height:auto}}@media only screen and (min-width:1024px){.bETJP.bETJP{width:936px}}@media only screen and (min-width:1024px){._19-GG{display:-ms-flexbox;display:flex}}._1wrFB{position:absolute;top:8px;right:8px;padding:16px;border:0;background:none;color:#fff;cursor:pointer;font-size:1rem}@media only screen and (min-width:1024px){._1wrFB{color:#192646}}.N63iD{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._2k0GN{display:block;width:100%;margin:0;cursor:pointer}@media only screen and (min-width:768px){._2k0GN{width:auto}}._2k0GN:focus,._2k0GN:hover{color:#fff}._2jz5n,.mEpKg{padding:24px;background:#192646;color:#fff}@media only screen and (min-width:1024px){._2jz5n,.mEpKg{float:left;clear:none;text-align:inherit;width:40%;margin-left:0;margin-right:0}._2jz5n:after,.mEpKg:after{content:"";display:table;clear:both}._2jz5n:last-child,.mEpKg:last-child{margin-right:0}}@media only screen and (min-width:768px){._2jz5n,.mEpKg{padding:48px}}._2jz5n p,.mEpKg p{line-height:1.3333333333;font-size:.9375rem;margin-bottom:20px}.mEpKg{background:#232323}._2WNca{line-height:1.1666666667;font-size:1.5rem;margin:0 40px 28px 0;font-family:PT Serif,system-fonts-secondary,serif}@media only screen and (min-width:768px){._2WNca{line-height:1.1785714286;font-size:1.75rem;margin:0 0 28px}}._1XKiM{line-height:1.3333333333;font-size:1.125rem;margin-bottom:20px;font-weight:700}._3ooKZ{margin-bottom:16px;color:#232323;font-family:Abril Titling,system-fonts-tertiary,serif;font-size:20px;font-style:normal;font-weight:600;line-height:24px}._20YRs{display:block;font-weight:700}._1WGZI,.cANXs,.w9o0H{padding:24px}@media only screen and (min-width:1024px){._1WGZI,.cANXs,.w9o0H{float:left;clear:none;text-align:inherit;width:60%;margin-left:0;margin-right:0}._1WGZI:after,.cANXs:after,.w9o0H:after{content:"";display:table;clear:both}._1WGZI:last-child,.cANXs:last-child,.w9o0H:last-child{margin-right:0}}@media only screen and (min-width:768px){._1WGZI,.cANXs,.w9o0H{padding:48px}}@media only screen and (min-width:1024px){._1WGZI,.cANXs,.w9o0H{padding:48px 72px}}._1WGZI li,.cANXs li,.w9o0H li{padding:30px 0}._1WGZI li:last-child,.cANXs li:last-child,.w9o0H li:last-child{-ms-flex-pack:center;justify-content:center;padding-bottom:0}.w9o0H li{padding:20px 0}.w9o0H li:last-child{-ms-flex-pack:start;justify-content:flex-start}._2ro7-,._3mFMh{line-height:1;font-size:.875rem;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;margin-top:13px;color:#096dd2;font-weight:400}._2ro7-:focus,._2ro7-:hover,._3mFMh:focus,._3mFMh:hover{text-decoration:underline}._2ro7- svg,._3mFMh svg{margin-right:15px}._2ro7- span,._3mFMh span{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._3mFMh{color:#0088a1}._3mFMh:focus,._3mFMh:hover{color:#0088a1;cursor:pointer;text-decoration:underline}._3tgAD{width:100%}._3tgAD a{color:#096dd2}._3tgAD a:focus,._3tgAD a:hover{text-decoration:underline}._25wIM{display:-ms-flexbox;display:flex;-ms-flex-wrap:wrap;flex-wrap:wrap}._25wIM ._2k0GN{margin-top:13px}._2E26h{display:-ms-flexbox;display:flex;-ms-flex-wrap:wrap;flex-wrap:wrap}._1lySA,._1ZN4c,._2_q_E,._2is4T,._2TDrH,._6E51T,._10JSs,._25wIM,.gYQlU{line-height:1.25;font-size:1rem;border-top:1px solid #d7dbe3;font-weight:700}._1lySA,._1ZN4c,._2_q_E,._2is4T,._2TDrH,._6E51T,._10JSs,.gYQlU{display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center}._1lySA:before,._1ZN4c:before,._2_q_E:before,._2is4T:before,._2TDrH:before,._6E51T:before,._10JSs:before,.gYQlU:before{min-width:80px;height:65px;margin-right:5%;background-position:50%;background-repeat:no-repeat;background-size:contain;content:""}@media only screen and (min-width:768px){._1lySA:before,._1ZN4c:before,._2_q_E:before,._2is4T:before,._2TDrH:before,._6E51T:before,._10JSs:before,.gYQlU:before{min-width:125px;margin-right:0}}._2is4T:before{height:80px}@media only screen and (min-width:768px){._2is4T:before{height:95px}}._3girT ._2is4T:before{background-image:url(/assets/25e4a5bd.png)}._3RYn6 ._2is4T:before{background-image:url(/assets/f3100c5d.png)}._3bdn7 ._6E51T:before{width:48px;min-width:48px;height:48px;margin-right:16px;background-image:url(/assets/69c5c775.svg)}._3bdn7 ._2_q_E{border-top:0}._3bdn7 ._2_q_E:before{width:48px;min-width:48px;height:48px;margin-right:16px;background-image:url(/assets/35bddcaa.svg)}._3bdn7 ._10JSs{border-top:0}._3bdn7 ._10JSs:before{width:48px;min-width:48px;height:48px;margin-right:16px;background-image:url(/assets/992b8026.svg)}._1ZN4c:before{background-image:url(/assets/05ea39c1.png)}.gYQlU:before{background-image:url(/assets/bc9db8c4.png)}._2TDrH:before{background-image:url(/assets/57406cda.png)}._1lySA:before{height:60px;background-image:url(/assets/728ab246.png)}._3tpc_{width:120px;height:40px;margin-right:16px;background-image:url(/assets/40db11c8.svg)}._3SV3h{width:135px;height:40px;background-image:url(/assets/588928e2.svg)}._2lciU{z-index:70;line-height:1.3333333333;font-size:.9375rem;position:fixed;top:32px;right:16px;width:320px;max-width:calc(100% - 32px);padding:12px 16px 12px 40px;background-color:#fff1c7;border-radius:4px;box-shadow:0 3px 5px rgba(0,0,0,.2),0 6px 10px rgba(0,0,0,.14),0 1px 18px rgba(0,0,0,.12);font-family:PT Sans,system-fonts-primary,sans-serif;opacity:0;pointer-events:none;text-align:left}._2lciU._3x1QD{top:16px;opacity:1;pointer-events:auto;transition:all .2s ease-in-out}.idv27{position:absolute;top:16px;left:16px;color:var(--colorWarning)}._760Mo{padding:0;border:none;margin:0;background:none;border-radius:0;color:#096dd2;cursor:pointer;font:inherit;outline:none;outline-offset:0;text-align:left;text-decoration:none;line-height:1.4545454545;font-size:.6875rem;display:block;margin-top:8px;font-weight:700;letter-spacing:1px;text-transform:uppercase}._760Mo:active,._760Mo:focus,._760Mo:hover{text-decoration:underline}._760Mo::-moz-focus-inner{padding:0;border:0}.QMY9O{display:inline-block;vertical-align:middle}.RbLp5 a{position:fixed;position:absolute;overflow:hidden;width:1px;height:1px;padding:0;margin:-1px;clip:rect(0,0,0,0)}.RbLp5 a:focus{z-index:300;top:0;right:0;left:0;overflow:visible;width:auto;height:auto;padding:12px;margin:0;background:#096dd2;clip:auto;color:#fff;text-decoration:underline}._21UZG{position:relative;top:0;left:0;width:100%;background-color:var(--colorBrand)}@media only screen and (max-width:1023px){._21UZG{z-index:60}}@media only screen and (min-width:768px){._21UZG{z-index:50}}._21UZG._1PbrP{z-index:76000}._3EMGl{display:none}@media only screen and (min-width:1024px){._3EMGl{display:block}}#content{padding-bottom:16px}@media only print{#content{padding-top:0}}@media only print{._3ic7p{position:relative;display:block;background-color:var(--colorBrand);-webkit-print-color-adjust:exact}._3ic7p a{width:400px;height:40px}}._2L98J{line-height:1;font-size:.8125rem;width:100%;border-bottom:1px solid #454f64;background:var(--colorBrand);color:#fff;letter-spacing:1px}@media only screen and (max-width:767px){._2L98J{min-height:36px}}._3WmU4{border-bottom:1px solid #d7dbe3;background:var(--colorWarmFill)}._3WmU4._36htD,._3WmU4._36htD ._1k8VI{background:#f7f6f5}._3WmU4 ._1k8VI{background:var(--colorWarmFill);color:#000}@media only screen and (min-width:1024px){._2gsJ0{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:1000px;padding:0 20px}._2gsJ0:after{content:"";display:table;clear:both}}._2gsJ0>ul{display:table;width:100%;min-height:48px;table-layout:fixed}._1x2EA,._3CYE0,.PJUwX{display:table-cell;vertical-align:middle}@media only screen and (max-width:767px){.PJUwX{display:none}}._1k8VI{line-height:2.4615384615;font-size:.8125rem;height:35px;padding:0 16px;border:0;background:none;color:#fff;cursor:pointer;letter-spacing:.5px}@media only screen and (min-width:768px){._1k8VI{height:39px}}@media only screen and (min-width:1024px){._1k8VI{padding-left:0}}._1x2EA{height:35px;padding:10px 0 9px;text-align:center}@media only screen and (max-width:767px){._1x2EA{width:35%;padding-left:16px;text-align:left;white-space:nowrap}}@media only screen and (min-width:768px){._1x2EA{height:39px}}@media only screen and (min-width:768px){._1T6Cc{height:5px;border-bottom:0}}@media only screen and (min-width:768px){.jxsw5{padding:16px;text-align:left}}@media only screen and (min-width:1024px){.jxsw5{padding-left:0}}._3CYE0{text-align:right}:root{--colorBrand:#0a1633;--colorBrandOffset:#192646;--colorDarkAccent:#454f64;--colorDarkAccent2:#454f64;--colorAuthor:#d7dbe3;--colorExplainer:tomato;--colorOpinion:#f4f5f7;--colorHeaderOffset:#192646;--colorHeaderDescription:#fff;--colorWarmFill:#f7f6f5;--colorAction:#096dd2;--colorActionAlt:#096dd2;--colorActionLight:#4095ec;--colorActionDark:#0053a6;--colorActionDarkest:#004080;--colorActionInverted:#096dd2;--colorActionOnDark:#58b5ff;--colorActionOnDarkHover:#58b5ff;--colorActionOnDarkUnderline:transparent;--colorLink:#096dd2;--colorLinkHover:#096dd2;--textDecorationLink:none;--colorLabel:#0a1633;--colorLabelHighlight:transparent;--colorLabelUrgent:#d9172f;--colorLabelUrgentDark:tomato;--colorLabelUrgentHighlight:transparent;--labelBorderInline:4px solid $colorLightAccent;--labelHeightInline:14px;--labelInsetLivePulse:5px;--labelPadding:0;--labelPaddingLive:15px;--colorButton:#096dd2;--colorButtonInactive:#a6acba;--colorButtonInactiveText:#677085;--colorButtonSecondary:none;--colorButtonSecondaryHover:#d4d4d4;--colorButtonSecondaryText:#3a3a3a;--colorButtonText:#fff;--buttonFontWeight:400;--colorHighlight:#d9172f;--colorNavAction:#58b5ff;--colorLightFill:#f4f5f7;--colorNavSubsectionLinks:#192646;--colorNavSubsectionAction:#096dd2;--colorNavSubsectionLightFill:#f4f5f7;--colorHighlightOffset:tomato;--colorMenuAction:#096dd2;--colorMenuSubscriber1:#751e3a;--colorMenuSubscriber2:#38366a;--colorMenuSubscriber3:#d9172f;--colorMenuSubscriberHighlight:#d9172f;--colorMenuSubscriberBadgeText:#fff;--colorInlineAnchorAction:#096dd2;--colorInlineAnchorActionUnderline:transparent;--colorInlineAnchorBorder:9,109,210;--colorInlineHoverAction:#096dd2;--colorInlineQuote:#d7dbe3;--heightInlineAnchorBorder:1px;--transparencyInlineAnchorBorder:.4;--colorArticleToolHover:#d7dbe3;--colorArticleToolActive:#004080;--colorMostPopularCounter:#454f64;--colorStoryTileHighlight:#096dd2;--textDecorationStoryTile:none;--fontWeightAuthorByline:400;--colorPaywallBackground:#0a1633;--colorPaywallButtonAction:#0053a6;--colorPaywallText:#fff;--colorFooterAction:#454f64;--colorFooterSection:#454f64;--colorSubscriberGlowBottom:10,22,51;--colorSubscriberGlowMid:217,23,47;--colorSubscriberGlowSurround:56,54,106;--colorLiveArticleByLineUnderline:transparent;--colorLiveArticleByLineLink:#096dd2;--colorLiveArticleHeader:#192646;--colorLiveArticleLabel:#d9172f;--colorLiveArticleLatestPostLink:#096dd2;--colorLiveArticlePill:#d9172f;--colorLiveArticlePillText:#fff;--filterLiveArticlePin:none;--fontWeightPostPublishedTime:normal;--colorPagination:#096dd2;--colorPaginationHover:#096dd2;--colorStoryTileHeadlineHover:#096dd2;--colorStoryTileHeadlineHoverUnderline:transparent;--colorSearchChip:#d9edff;--colorSearchChipHover:#096dd2;--colorSearchRadio:auto;--colorSectionHover:#2684ff;--colorOptionHover:#eff5fe;--colorOptionSelected:#f7faff;--colorBorder:#d7dbe3;--colorMarketTabLink:#096dd2;--colorMarketTabHover:#0a1633;--colorCommentsAction:#3a3a3a;--colorCommenterRole:#555;--colorCommenterTag:#9bcfff;--colorCommentsText:#232323;--colorCommentsTimestamp:#767676;--colorWarning:#ff8b00;--colorWarningAlt:#a6acba}.brisbanetimes,:root{--colorPaginationStroke:#fff}.brisbanetimes{--colorBrand:#232323;--colorBrandOffset:#000;--colorDarkAccent:#555;--colorDarkAccent2:#666;--colorAuthor:#69e8ff;--colorExplainer:#69e8ff;--colorOpinion:#faf5e6;--colorHeaderOffset:#232323;--colorHeaderDescriptionDark:#d4d4d4;--colorWarmFill:#f0f0f0;--colorAction:#69e8ff;--colorActionAlt:#232323;--colorActionLight:#1bcded;--colorActionDark:#1bcded;--colorActionDarkest:#1bcded;--colorActionInverted:#767676;--colorActionOnDark:#fff;--colorActionOnDarkHover:#69e8ff;--colorActionOnDarkUnderline:#fff;--colorLink:#232323;--colorLinkHover:#0088a1;--textDecorationLink:underline;--colorLabel:#232323;--colorLabelHighlight:#69e8ff;--colorLabelUrgent:#232323;--colorLabelUrgentDark:#232323;--colorLabelUrgentHighlight:#f4fb55;--labelBorderInline:none;--labelHeightInline:20px;--labelInsetLivePulse:7px auto auto 8px;--labelPadding:2px 8px;--labelPaddingLive:18px;--colorButton:#69e8ff;--colorButtonActive:brightTurquoise;--colorButtonInactive:#d4d4d4;--colorButtonText:#232323;--buttonFontWeight:700;--colorHighlight:#1bcded;--colorNavAction:#69e8ff;--colorLightFill:#232323;--colorNavSubsectionLinks:#fff;--colorNavSubsectionAction:#1bcded;--colorNavSubsectionLightFill:#000;--colorHighlightOffset:#1bcded;--colorMenuAction:#3a3a3a;--colorMenuSubscriber1:#f4fb55;--colorMenuSubscriber2:#555;--colorMenuSubscriber3:#f4fb55;--colorMenuSubscriberHighlight:#555;--colorMenuSubscriberBadgeText:#000;--colorInlineAnchorAction:#000;--colorInlineAnchorActionUnderline:#000;--colorInlineAnchorBorder:0,0,0;--colorInlineHoverAction:#0088a1;--colorInlineQuote:#d4d4d4;--heightInlineAnchorBorder:2px;--transparencyInlineAnchorBorder:10;--colorArticleToolHover:#f0f0f0;--colorArticleToolActive:#0088a1;--colorMostPopularCounter:#1bcded;--colorStoryTileHighlight:initial;--textDecorationStoryTile:underline #1bcded;--fontWeightAuthorByline:700;--colorPaywallBackground:#69e8ff;--colorPaywallButtonAction:#004c5a;--colorPaywallText:#232323;--colorFooterAction:#767676;--colorFooterSection:#3a3a3a;--colorSubscriberGlowBottom:35,35,35;--colorSubscriberGlowMid:35,35,35;--colorSubscriberGlowSurround:35,35,35;--colorLiveArticleByLineUnderline:#232323;--colorLiveArticleByLineLink:#232323;--colorLiveArticleHeader:#232323;--colorLiveArticleLabel:#0088a1;--colorLiveArticleLatestPostLink:#0088a1;--colorLiveArticlePill:#69e8ff;--colorLiveArticlePillText:#232323;--filterLiveArticlePin:hue-rotate(191deg) saturate(2.1);--fontWeightPostPublishedTime:bold;--colorPagination:#232323;--colorPaginationHover:#3a3a3a;--colorStoryTileHeadlineHover:#3a3a3a;--colorStoryTileHeadlineHoverUnderline:#69e8ff;--colorSearchChip:#faf5e6;--colorSearchChipHover:#f4fb55;--colorSearchRadio:#0088a1;--colorSectionHover:#00a6c4;--colorOptionHover:#f0f0f0;--colorOptionSelected:#f7f6f5;--colorBorder:#a5a5a5;--colorMarketTabLink:#555;--colorMarketTabHover:#0088a1;--colorCommenterTag:#69e8ff}._31Bug{height:48px}@media only screen and (min-width:768px){._31Bug{height:64px}._31Bug._3f2zH{height:139px}}.h-Jxc{width:100%;background-color:var(--colorBrand)}.h-Jxc:after{content:"";display:table;clear:both}@media only screen and (max-width:767px){.h-Jxc{position:absolute}}._12CvO{border-bottom:1px solid #d7dbe3;background-color:var(--colorWarmFill)}._12CvO._2t5o-{background-color:#f7f6f5}._12CvO span:after,._12CvO span:before,._12CvO span em{background:#000}._12CvO ._31TpL{color:#000}@media only screen and (min-width:1024px){._2k79Y{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:1000px;padding:0 20px}._2k79Y:after{content:"";display:table;clear:both}}@media only screen and (min-width:768px){._1b710{padding:20px 0}}@media only screen and (min-width:768px){._3jpFi{padding:20px 0 16px}}._1hN2k{float:left;clear:none;text-align:inherit;width:20%;margin-left:0;margin-right:0;padding:0}._1hN2k:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){._1hN2k{width:25%;padding:12px 0 0}}@media only screen and (min-width:768px){._3T4hB{padding:12px 0 0 8px}}@media only screen and (min-width:1024px){._3T4hB{padding-left:0}}@media only screen and (min-width:768px)and (max-width:1023px){._38MxT{padding:0}}@media only screen and (min-width:768px)and (max-width:1023px){.yCFn5{margin-top:31px}}@media only screen and (min-width:1024px){.yCFn5{margin-top:27px}}@media only screen and (max-width:767px){._3kwZP{width:48px}}._2FAuv{float:left;clear:none;text-align:inherit;width:60%;margin-left:0;margin-right:0;text-align:center}._2FAuv:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){._2FAuv{width:50%}}@media only screen and (max-width:767px){._2FAuv.yQMHo{width:35px}}._2FxXH{line-height:1;font-size:.8125rem;border:0;background-color:transparent;border-radius:4px;color:#fff;cursor:pointer;letter-spacing:1px;text-transform:uppercase;vertical-align:top}@media only screen and (min-width:768px){._2FxXH{border:1px solid #555}}._2g2-4{padding:16px;border:transparent;margin:0;border-radius:0}@media only screen and (min-width:768px){._2g2-4{padding:11px 16px}}@media only screen and (min-width:1024px){._2g2-4{padding-left:0}}._2g2-4 .yHQ5k{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}@media only screen and (min-width:768px){._2g2-4 .yHQ5k{margin-left:16px;vertical-align:bottom}}._2Wsmd{position:relative;display:inline-block;width:24px;height:16px;font-size:0;vertical-align:text-bottom}@media only screen and (max-width:767px){._2Wsmd{width:16px}}._2Wsmd:after,._2Wsmd:before,._2Wsmd em{position:absolute;left:0;display:block;width:100%;height:2px;background:#fff;border-radius:2px;opacity:1;transform:rotate(0deg);transform-origin:left center;transition:transform .25s ease-out}._2Wsmd em{top:0}._2Wsmd:after,._2Wsmd:before{content:""}._2Wsmd:before{top:7px;transition:transform .15s ease,opacity .15s ease-out}._2Wsmd:after{top:14px}@media only screen and (max-width:767px){[aria-expanded=true] ._2Wsmd em{width:18px;transform:translate3d(1px,0,0) rotate(45deg)}[aria-expanded=true] ._2Wsmd:before{opacity:0;transform:rotate(-45deg) translate3d(-2px,-4px,0)}[aria-expanded=true] ._2Wsmd:after{width:18px;transform:translate3d(1px,-1px,0) rotate(-45deg)}}._2PMiF{top:-60px;opacity:0;transition:top .4s ease-out}@media only screen and (min-width:768px){._2PMiF ._3T4hB{padding:13px 0 0}}._2PMiF._1b710{padding:0}._2G56F{position:fixed;top:0;opacity:1}._2G56F .yHQ5k{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}.f9deW{position:absolute;top:48px;width:100%}@media only screen and (min-width:768px){.f9deW{top:104px}}._2G56F .f9deW{top:48px}@media only screen and (min-width:768px){._2G56F .f9deW{top:64px}}._31TpL{stroke-width:1.7142857143;color:#fff}._2mFnf{width:40px;height:38px;border:none;margin-left:4px;background-color:transparent;cursor:pointer}@media only screen and (max-width:767px){._2mFnf{display:none}}._2mFnf.HQ1ay,._2mFnf:hover{background-color:#677085}._1CPQR{background-image:url(/assets/fba2aa93.svg)}._1CPQR,._1CPQR._2aIEz{display:inline-block;overflow:hidden;width:7.3125em;max-width:100%;height:1em;background-position:50%;background-repeat:no-repeat;background-size:contain;text-indent:-9999px;vertical-align:middle}._1CPQR._2aIEz{background-image:url(/assets/e317b54a.svg);color:var(--colorAction)}.YClUs{background-image:url(/assets/88485174.svg)}.YClUs,.YClUs._2aIEz{display:inline-block;overflow:hidden;width:9.21875em;max-width:100%;height:1em;background-position:50%;background-repeat:no-repeat;background-size:contain;text-indent:-9999px;vertical-align:middle}.YClUs._2aIEz{background-image:url(/assets/31c84a3b.svg)}._28ZlE{background-image:url(/assets/11287448.svg)}._28ZlE,._28ZlE._2aIEz{display:inline-block;overflow:hidden;width:7.75em;max-width:100%;height:1em;background-position:50%;background-repeat:no-repeat;background-size:contain;text-indent:-9999px;vertical-align:middle}._28ZlE._2aIEz{background-image:url(/assets/016e299d.svg)}.xY0ge{background-image:url(/assets/35d4a10a.svg)}.xY0ge,.xY0ge._2aIEz{display:inline-block;overflow:hidden;width:4.1875em;max-width:100%;height:1em;background-position:50%;background-repeat:no-repeat;background-size:contain;text-indent:-9999px;vertical-align:middle}.xY0ge._2aIEz{background-image:url(/assets/ea0b7ff5.svg)}._2qnYw{margin-right:auto;margin-left:auto}@media only screen and (max-width:767px){._2AynF{margin-right:auto;margin-left:auto}}@media only screen and (min-width:768px){._2AynF{float:left}}._1jfAB{float:right}._3uPYr{padding:12px 0 10px}@media only screen and (min-width:768px){._3uPYr{padding:18px 0 16px 8px}}@media only screen and (min-width:1024px){._3uPYr{padding-left:0}}._2ABN-{font-size:1.625rem;display:block;margin:0 auto}@media only screen and (min-width:768px){._2ABN-{font-size:1.875rem}}@media only screen and (max-width:767px){._82md6{height:32px;padding:8px 0;float:left}._82md6 ._1CPQR{background-image:url(/assets/45916705.svg);background-size:contain;background-size:initial}._82md6 ._1CPQR,._82md6 ._1CPQR._2aIEz{display:inline-block;overflow:hidden;width:1.5em;max-width:100%;height:1em;background-position:50%;background-repeat:no-repeat;text-indent:-9999px;vertical-align:middle}._82md6 ._1CPQR._2aIEz{background-image:url(/assets/a980c469.svg);background-size:contain}._82md6 .YClUs{background-image:url(/assets/04164fa1.svg)}._82md6 .YClUs,._82md6 .YClUs._2aIEz{display:inline-block;overflow:hidden;width:1.5em;max-width:100%;height:1em;background-position:50%;background-repeat:no-repeat;background-size:contain;text-indent:-9999px;vertical-align:middle}._82md6 .YClUs._2aIEz{background-image:url(/assets/2e098f3a.svg)}._82md6 ._28ZlE{background-image:url(/assets/16e32bf2.svg)}._82md6 ._28ZlE,._82md6 ._28ZlE._2aIEz{display:inline-block;overflow:hidden;width:1.5em;max-width:100%;height:1em;background-position:50%;background-repeat:no-repeat;background-size:contain;text-indent:-9999px;vertical-align:middle}._82md6 ._28ZlE._2aIEz{background-image:url(/assets/54744e9d.svg)}._82md6 .xY0ge{background-image:url(/assets/0bdb2bfb.svg)}._82md6 .xY0ge,._82md6 .xY0ge._2aIEz{display:inline-block;overflow:hidden;width:1.5em;max-width:100%;height:1em;background-position:50%;background-repeat:no-repeat;background-size:contain;text-indent:-9999px;vertical-align:middle}._82md6 .xY0ge._2aIEz{background-image:url(/assets/0e4ab3d9.svg)}._82md6 ._2ABN-{font-size:2rem;border-left:1px solid #454f64}._82md6 ._2ABN-._2aIEz{border-left:1px solid #d7dbe3}}#homepage-header-subscribe-button-piano-id{max-width:200px;max-height:32px}#homepage-header-subscribe-button-piano-id .tp-container-inner.no-width{width:100%!important;max-width:200px}#homepage-header-subscribe-button-piano-id .tp-container-inner.no-width iframe{width:auto!important;max-width:200px}._33it7,.gLolC{float:left;clear:none;text-align:inherit;width:20%;margin-left:0;margin-right:0;position:relative;padding:8px 12px;float:right;text-align:right}._33it7:after,.gLolC:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){._33it7,.gLolC{width:25%;padding:16px}}@media only screen and (min-width:1024px){._33it7,.gLolC{width:25%;padding-right:0}}._33it7._37_DQ,.gLolC._37_DQ{display:-ms-flexbox;display:flex;width:74%;-ms-flex-direction:row;flex-direction:row;-ms-flex-align:center;align-items:center;-ms-flex-pack:end;justify-content:end}@media only screen and (min-width:768px){._33it7._37_DQ,.gLolC._37_DQ{width:25%}}._1rLVC .WvV_s{padding:9px 16px 8px;border:1px solid #d7dbe3;background-color:transparent;color:#000;font-weight:700}._1rLVC .WvV_s:active,._1rLVC .WvV_s:focus,._1rLVC .WvV_s:hover{color:#fff}@media only screen and (min-width:768px){._19XM-{padding-bottom:0}}@media only screen and (min-width:768px){._3u7gd{margin-top:18px}}@media only screen and (min-width:1024px){._3u7gd{margin-top:27px}}._1GI7o{line-height:1;font-size:.8125rem;background-color:transparent;border-radius:4px;color:var(--colorButtonText);cursor:pointer;letter-spacing:1px;text-transform:uppercase;vertical-align:top}._23XCI{display:-ms-flexbox;display:flex;width:auto;-ms-flex-pack:end;justify-content:flex-end}@media only screen and (max-width:767px){._37_DQ ._23XCI{width:100%;padding:0}._37_DQ ._23XCI:after{position:absolute;top:11px;right:0;bottom:11px;border-right:1px solid #454f64;content:""}._2fVGr ._23XCI{display:none}}.WvV_s{display:inline-block;padding:10px 16px 9px;background-color:var(--colorAction);font-weight:var(--buttonFontWeight)}@media only screen and (max-width:767px){._2fVGr .WvV_s{display:none}}.WvV_s:focus,.WvV_s:hover{background-color:var(--colorActionLight);color:var(--colorButtonText)}.WvV_s:active{background-color:var(--colorActionDark)}.WvV_s+button{margin-top:0}._2qh-i{padding:0;border:none;margin:0;background:none;border-radius:0;color:#096dd2;cursor:pointer;font:inherit;outline:none;outline-offset:0;text-align:left;text-decoration:none;line-height:1.2307692308;font-size:.8125rem;display:inline-block;padding:8px 0;margin-left:16px;color:#fff}._2qh-i:active,._2qh-i:focus,._2qh-i:hover{text-decoration:underline}._2qh-i::-moz-focus-inner{padding:0;border:0}._2qh-i:active,._2qh-i:focus,._2qh-i:hover{color:#fff}._3-9zZ{z-index:1;position:relative;clear:both;font-size:0;text-align:center}@media only screen and (max-width:767px){._3-9zZ{display:none}}._3-9zZ li{display:inline}._3-9zZ:before{display:inline-block;width:480px;height:1px;margin:8px 0 13px;background-image:linear-gradient(270deg,var(--colorBrand),var(--colorDarkAccent2) 50%,var(--colorBrand));content:""}@media only screen and (min-width:1024px){._3-9zZ:before{margin:0 0 12px}}._3XWH4{line-height:1;font-size:.75rem;margin:0 10px;color:#d7dbe3;font-family:PT Sans,system-fonts-primary,sans-serif;letter-spacing:1.5px;text-align:center;text-transform:uppercase}@media only screen and (min-width:1024px){._3XWH4{line-height:1;font-size:.8125rem;margin:0 12px}}._3XWH4:focus,._3XWH4:hover{color:#fff}._3-wH3{z-index:60;position:absolute;top:auto;left:0;width:100%;height:100vh;background-color:hsla(0,0%,100%,.8)}._3-wH3._2RGwl{top:132px}._3-wH3._119YB{position:fixed}._3-wH3._119YB._1D8-u,._3-wH3._119YB.HwKJ_{top:0}._3-wH3._119YB._2RGwl{top:48px}@media only screen and (min-width:768px){._3-wH3{position:absolute;top:auto}._3-wH3._2RGwl{top:200px}._3-wH3._119YB{position:fixed}._3-wH3._119YB._1D8-u{top:64px}._3-wH3._119YB.HwKJ_{top:0}._3-wH3._119YB._2RGwl{top:64px}}@media only screen and (min-width:1024px){._3-wH3{position:absolute;top:auto}._3-wH3._2RGwl{top:224px}._3-wH3._119YB{position:fixed}._3-wH3._119YB._1D8-u{top:64px}._3-wH3._119YB.HwKJ_{top:0}._3-wH3._119YB._2RGwl{top:64px}}.kjHvi{z-index:60;width:100%}._7XZOU{border-bottom:1px solid #d7dbe3;background-color:#fff}._2KUkg{display:-ms-flexbox;display:flex;max-width:1168px;-ms-flex-direction:column;flex-direction:column;padding:0 20px;margin:auto}@media only screen and (max-width:767px){._2KUkg{padding:0 16px}}@media only screen and (min-width:768px)and (max-width:1023px){._2KUkg{max-width:808px}}._3pIna{display:-ms-flexbox;display:flex;width:100%;-ms-flex-align:center;align-items:center;-ms-flex-pack:justify;justify-content:space-between;margin:42px auto}@media only screen and (min-width:1024px){._3pIna{margin:64px auto}}._27BG8{line-height:1.4545454545;font-size:1.375rem;width:100%;border:none;color:#232323;font-family:PT Serif,system-fonts-secondary,serif;letter-spacing:-.5px;outline:none}@media only screen and (min-width:768px){._27BG8{line-height:1.4285714286;font-size:1.75rem}}@media only screen and (min-width:1024px){._27BG8{line-height:1.1666666667;font-size:3rem}}._27BG8:-ms-input-placeholder{color:#a6acba;font-style:italic}._27BG8::placeholder{color:#a6acba;font-style:italic}._1L_lh{position:relative;display:-ms-flexbox;display:flex}._1L_lh._35AUW:after{position:absolute;top:0;left:50%;width:1px;height:40px;background-color:#d7dbe3;content:""}@media only screen and (min-width:1024px){._1L_lh._35AUW:after{height:56px}}._1L_lh>button{padding:0;border:none;background-color:transparent;cursor:pointer}._1L_lh>button:hover{background-color:#f4f5f7}._1L_lh>button>svg{stroke-width:1.5;width:40px;height:auto;padding:8px}@media only screen and (min-width:768px){._1L_lh>button>svg{stroke-width:.9;padding:0}}@media only screen and (min-width:1024px){._1L_lh>button>svg{stroke-width:.75;width:56px;padding:4px}}._31IMG._31IMG{margin-right:8px;color:#232323}@media only screen and (min-width:768px){._31IMG._31IMG{margin-right:16px}}@media only screen and (min-width:1024px){._31IMG._31IMG{margin-right:12px}}.Gru4Y.Gru4Y{margin-left:8px}@media only screen and (min-width:768px){.Gru4Y.Gru4Y{margin-left:16px}}@media only screen and (min-width:1024px){.Gru4Y.Gru4Y{margin-left:12px}}._2R2nV{fill:transparent}._2R2nV,.Q4f1t{color:var(--colorBrand)}._1U8oj{line-height:1.3333333333;font-size:.9375rem;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;padding-bottom:18px;gap:6px}@media only screen and (min-width:768px){._1U8oj{padding-bottom:24px}}._1U8oj>input{width:18px;height:18px}._3M2-5{overflow:hidden}._2yAUQ{z-index:60;position:fixed;top:84px;bottom:0;left:0;width:100%;border-bottom:1px solid var(--colorBrandOffset);-webkit-backface-visibility:hidden;backface-visibility:hidden;background-color:var(--colorBrandOffset);opacity:0;overflow-x:hidden;transform:translateX(-100%);transform-style:preserve-3d;transition:visibility 0s,opacity .1s linear,transform .3s ease-in-out;visibility:hidden;will-change:transform}@media only screen and (min-width:768px){._2yAUQ{top:0;max-width:320px;height:100%}}@media only screen and (max-width:767px){._2yAUQ.peB2x{top:48px}}._2yAUQ._2ZY8V{box-shadow:2px 2px 4px 0 rgba(0,0,0,.5);opacity:1;transform:translateX(0);visibility:visible}._2fq7t a,._2PKwb a{line-height:1.4;font-size:.9375rem;position:relative;display:block;padding:5px 0 6px 24px;color:#fff;letter-spacing:.4px}._2fq7t a:focus,._2fq7t a:hover,._2PKwb a:focus,._2PKwb a:hover{color:var(--colorNavAction)}._2fq7t{display:table;padding:8px 24px 0;margin-bottom:-1px;table-layout:auto}._2fq7t li{position:relative;display:table-cell}._2fq7t li.rGXdz a{border-bottom:2px solid #fff;color:#fff}._2fq7t li:first-of-type a{margin-right:30px}._2fq7t a{line-height:2.9090909091;font-size:.6875rem;padding:0;border-style:none;background-color:var(--colorBrandOffset);color:var(--colorNavAction);font-weight:700;letter-spacing:1px;text-transform:uppercase}.RTABy{padding:20px 0;border-top:1px solid #454f64}._2PKwb{display:none}._2PKwb.rGXdz{display:block}._2dmHA{position:relative;width:16px;height:16px;padding:16px;border:none;margin:8px;background:none;color:#fff;cursor:pointer;font-size:0}@media only screen and (max-width:767px){._2dmHA{display:none}}._2dmHA:after,._2dmHA:before{position:absolute;top:50%;left:25%;display:block;width:100%;max-width:16px;height:2px;background:#fff;content:""}._2dmHA:after{transform:rotate(135deg)}._2dmHA:before{transform:rotate(-135deg)}._3b67L{position:relative;margin:8px}._3b67L label{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._2q19s{width:100%;height:40px;padding:10px 40px 10px 15px;border:0;background-color:#f4f5f7;border-radius:2px;color:var(--colorBrand);cursor:text;font-size:1rem}.JaNbC{display:inline-block;overflow:hidden;width:1em;height:1em;background-repeat:no-repeat;background-size:100% auto;text-indent:-9999px;vertical-align:middle;position:absolute;top:50%;right:12px;padding:0;border:0;margin-top:-9px;background-color:transparent;background-image:url(/assets/6d38224f.svg);cursor:pointer;font-size:1.125rem}._22TcS a{color:var(--colorHighlightOffset)}._3kQ2X{position:relative}._3kQ2X button{position:absolute;top:0;right:0;height:100%;max-height:32px;padding:10px 20px;border-style:none;margin:0;background-color:var(--colorBrandOffset);border-radius:0;color:#fff;cursor:pointer}._3kQ2X button ._1KXcO{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._3kQ2X button ._35a30{display:block;height:11px;transition:transform .3s ease-in 0s}._3kQ2X button ._35a30 svg{vertical-align:top}._3kQ2X button:focus,._3kQ2X button:hover{color:#58b5ff}._3kQ2X button._3XJtp{background-color:var(--colorNavSubsectionLightFill);color:var(--colorNavSubsectionAction)}._3kQ2X button._3XJtp ._35a30{transform:rotate(-180deg)}._3Nydp{overflow:hidden;max-height:0;background-color:var(--colorLightFill);opacity:0;overflow-scrolling:touch;transition:all .3s ease-in;visibility:hidden}._3Nydp ._22TcS a,._3Nydp ._22TcS a:visited{color:var(--colorHighlight)}._3Nydp._3XJtp{max-height:600px;padding:8px 0;opacity:1;transition:all .3s ease-in}._3Nydp._3XJtp a{color:var(--colorNavSubsectionLinks)}._3Nydp._3XJtp a:focus,._3Nydp._3XJtp a:hover{color:var(--colorNavSubsectionAction)}._3Nydp._3XJtp.RJWOk{visibility:visible}.Uffnp{position:relative}.Uffnp:before{display:block;border-top:1px solid #454f64;margin:16px 24px 8px;content:""}.Uffnp h4{line-height:1.2727272727;font-size:.6875rem;padding-left:24px;margin-bottom:12px;color:#fff;font-weight:700;letter-spacing:1px;text-transform:uppercase}.Uffnp svg{margin-right:12px}._375G7 a{line-height:1.6;font-size:.9375rem}._375G7 svg{position:relative;top:-2px}._252xb._252xb{line-height:1.2727272727;font-size:.6875rem;position:absolute;top:8px;right:24px;padding:8px;letter-spacing:1px}._252xb._252xb:focus,._252xb._252xb:hover{color:#fff}.OK924{width:auto;max-width:624px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:320px}@media only print{.OK924{max-width:-webkit-fit-content;max-width:-moz-fit-content;max-width:fit-content}}.OK924:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){.OK924{width:auto;max-width:808px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:736px}.OK924:after{content:"";display:table;clear:both}}@media only screen and (min-width:1024px){.OK924{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:1000px}.OK924:after{content:"";display:table;clear:both}}._2TEVJ{padding:0 20px}@media only screen and (max-width:360px){._2TEVJ .adWrapper{margin-right:-20px;margin-left:-20px}}._2eeHA{padding-top:32px;padding-bottom:48px}@media only screen and (min-width:768px){._2eeHA{padding-top:56px;padding-bottom:64px}}._1npeq a{color:var(--colorLink);text-decoration:var(--textDecorationLink)}._1npeq a:hover{color:var(--colorLinkHover);text-decoration:underline}._1npeq em{font-style:italic}._3_hLE{line-height:1.2307692308;font-size:.8125rem;padding:12px;border:0;border-radius:4px;letter-spacing:1px;text-align:center;text-transform:uppercase;transition:all .1s}._17BTN{background:var(--colorAction);font-weight:700;text-decoration:none}._17BTN._17BTN,._17BTN._17BTN:active,._17BTN._17BTN:hover,._17BTN._17BTN:visited,._17BTN:active,._17BTN:hover,._17BTN:visited{color:var(--colorButtonText);text-decoration:none}._17BTN:focus,._17BTN:hover{background:var(--colorActionDark)}._17BTN:active{background:var(--colorActionDarkest)}._1Zci0{border:1px solid hsla(0,0%,100%,.25);background:transparent;color:#fff}@media not all and (min-resolution:0.001dpcm){@supports(-webkit-appearance:none){._1Zci0{-webkit-font-smoothing:antialiased}}}._1Zci0:focus,._1Zci0:hover{border-color:#096dd2;background:#096dd2;color:#fff}._1Zci0:active{border-color:#004080;background:#004080;color:#fff}._17muu{border:none;background:none;border-radius:0}._1AsGk{margin-bottom:16px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:28px;line-height:32px}@media only screen and (min-width:768px){._1AsGk{margin-bottom:24px;font-size:48px;line-height:56px}}._21ebA{line-height:1.1666666667;font-size:1.5rem;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}@media only screen and (min-width:768px){._21ebA{line-height:1.1428571429;font-size:1.75rem}}._2LDXj{margin-top:32px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:20px;line-height:24px}._2LDXj,.KpWOE{margin-bottom:16px;color:var(--colorBrand)}.KpWOE{line-height:1.6470588235;font-size:1.0625rem;padding:8px 0;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin-top:24px;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (min-width:768px){.KpWOE{line-height:1.4;font-size:1.25rem;letter-spacing:3px}}.cMu-d{margin-bottom:32px}.cMu-d:after,.cMu-d:before{display:table;content:""}.cMu-d:after{clear:both}@media only screen and (min-width:768px){._32Pk2{display:block;clear:both;float:none;width:100%;margin-right:auto}._32Pk2,._32Pk2:first-child{margin-left:auto}._32Pk2:last-child{margin-right:auto}}@media only screen and (min-width:1024px){._32Pk2{float:left;clear:none;text-align:inherit;width:65.9166666667%;margin-left:0;margin-right:2.25%}._32Pk2:after{content:"";display:table;clear:both}._32Pk2:last-child{margin-right:0}}.AkZ3C{min-height:135px;margin-bottom:20px}.oKsgR{padding-top:24px;border-top:3px solid #d7dbe3}.oKsgR a{word-break:break-word;word-wrap:break-word}.oKsgR strong{font-weight:700}.oKsgR em{font-style:italic}.oKsgR p{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR p{line-height:1.7777777778;font-size:1.125rem}}.oKsgR h2,.oKsgR h3{line-height:1.1428571429;font-size:1.75rem;margin-top:32px;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}.oKsgR li{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR li{line-height:1.7777777778;font-size:1.125rem}}._3mNPm{counter-reset:b}._3mNPm li{margin-left:25px}._3mNPm>li:before{content:counters(b,".") ". ";counter-increment:b}._3gnhE{margin-top:16px;margin-left:25px;list-style:disc}._2N9eJ{line-height:1.125;font-size:1rem;width:100%;height:40px;padding:12px;border:1px solid #a6acba;border-radius:4px}._3zoNz{background-color:var(--colorAction)}._3zoNz:focus,._3zoNz:hover{background-color:var(--colorActionLight)}._3zoNz:active{background-color:var(--colorActionDark)}._1Amud._1Amud{color:var(--colorMenuSubscriberBadgeText)}._2fv33 li._1IQO_{padding:5px 0 6px 24px;color:#fff}._32aAr:not(:last-child):after{display:block;border-bottom:1px solid #454f64;margin:8px 24px;content:""}._3zMrp{z-index:70;position:fixed;top:0;right:0;bottom:0;left:0;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;background:rgba(0,0,0,.6)}._2zP2_{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}._1Jq9J{position:relative;width:100%;height:100%;font-family:PT Sans,system-fonts-primary,sans-serif;overflow-y:auto}._22TT7{overflow:hidden;height:auto;padding:48px;border-radius:8px;text-align:center}._22TT7._22TT7{display:-ms-flexbox;display:flex;width:calc(100% - 48px);height:auto;-ms-flex-direction:column;flex-direction:column;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;background:#fff;box-shadow:0 0 16px 2px rgba(0,0,0,.3)}@media only screen and (min-width:768px){._22TT7._22TT7{width:420px}}._22WXn{line-height:1.2666666667;font-size:.9375rem;margin-bottom:24px}._1P_6W{line-height:1.1111111111;font-size:1.125rem;width:100%;margin-bottom:12px;font-weight:700}._2Wp3l{position:relative;height:20px}._2uFXy{line-height:1;font-size:.8125rem;width:100%;padding:16px 0 15px;border:0;background:#096dd2;border-radius:4px;color:#fff;cursor:pointer;font-weight:700;letter-spacing:.5px;text-align:center;text-transform:uppercase}._2uFXy:focus,._2uFXy:hover{background:#0053a6}.OK924{width:auto;max-width:624px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:320px}@media only print{.OK924{max-width:-webkit-fit-content;max-width:-moz-fit-content;max-width:fit-content}}.OK924:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){.OK924{width:auto;max-width:808px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:736px}.OK924:after{content:"";display:table;clear:both}}@media only screen and (min-width:1024px){.OK924{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:1000px}.OK924:after{content:"";display:table;clear:both}}._2TEVJ{padding:0 20px}@media only screen and (max-width:360px){._2TEVJ .adWrapper{margin-right:-20px;margin-left:-20px}}._2eeHA{padding-top:32px;padding-bottom:48px}@media only screen and (min-width:768px){._2eeHA{padding-top:56px;padding-bottom:64px}}._1npeq a{color:var(--colorLink);text-decoration:var(--textDecorationLink)}._1npeq a:hover{color:var(--colorLinkHover);text-decoration:underline}._1npeq em{font-style:italic}._3_hLE{line-height:1.2307692308;font-size:.8125rem;padding:12px;border:0;border-radius:4px;letter-spacing:1px;text-align:center;text-transform:uppercase;transition:all .1s}._17BTN{background:var(--colorAction);font-weight:700;text-decoration:none}._17BTN._17BTN,._17BTN._17BTN:active,._17BTN._17BTN:hover,._17BTN._17BTN:visited,._17BTN:active,._17BTN:hover,._17BTN:visited{color:var(--colorButtonText);text-decoration:none}._17BTN:focus,._17BTN:hover{background:var(--colorActionDark)}._17BTN:active{background:var(--colorActionDarkest)}._1Zci0{border:1px solid hsla(0,0%,100%,.25);background:transparent;color:#fff}@media not all and (min-resolution:0.001dpcm){@supports(-webkit-appearance:none){._1Zci0{-webkit-font-smoothing:antialiased}}}._1Zci0:focus,._1Zci0:hover{border-color:#096dd2;background:#096dd2;color:#fff}._1Zci0:active{border-color:#004080;background:#004080;color:#fff}._17muu{border:none;background:none;border-radius:0}._1AsGk{margin-bottom:16px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:28px;line-height:32px}@media only screen and (min-width:768px){._1AsGk{margin-bottom:24px;font-size:48px;line-height:56px}}._21ebA{line-height:1.1666666667;font-size:1.5rem;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}@media only screen and (min-width:768px){._21ebA{line-height:1.1428571429;font-size:1.75rem}}._2LDXj{margin-top:32px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:20px;line-height:24px}._2LDXj,.KpWOE{margin-bottom:16px;color:var(--colorBrand)}.KpWOE{line-height:1.6470588235;font-size:1.0625rem;padding:8px 0;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin-top:24px;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (min-width:768px){.KpWOE{line-height:1.4;font-size:1.25rem;letter-spacing:3px}}.cMu-d{margin-bottom:32px}.cMu-d:after,.cMu-d:before{display:table;content:""}.cMu-d:after{clear:both}@media only screen and (min-width:768px){._32Pk2{display:block;clear:both;float:none;width:100%;margin-right:auto}._32Pk2,._32Pk2:first-child{margin-left:auto}._32Pk2:last-child{margin-right:auto}}@media only screen and (min-width:1024px){._32Pk2{float:left;clear:none;text-align:inherit;width:65.9166666667%;margin-left:0;margin-right:2.25%}._32Pk2:after{content:"";display:table;clear:both}._32Pk2:last-child{margin-right:0}}.AkZ3C{min-height:135px;margin-bottom:20px}.oKsgR{padding-top:24px;border-top:3px solid #d7dbe3}.oKsgR a{word-break:break-word;word-wrap:break-word}.oKsgR strong{font-weight:700}.oKsgR em{font-style:italic}.oKsgR p{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR p{line-height:1.7777777778;font-size:1.125rem}}.oKsgR h2,.oKsgR h3{line-height:1.1428571429;font-size:1.75rem;margin-top:32px;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}.oKsgR li{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR li{line-height:1.7777777778;font-size:1.125rem}}._3mNPm{counter-reset:b}._3mNPm li{margin-left:25px}._3mNPm>li:before{content:counters(b,".") ". ";counter-increment:b}._3gnhE{margin-top:16px;margin-left:25px;list-style:disc}._2N9eJ{line-height:1.125;font-size:1rem;width:100%;height:40px;padding:12px;border:1px solid #a6acba;border-radius:4px}._1-N-m{margin-bottom:24px}@media only screen and (min-width:768px){._1-N-m{margin-bottom:56px}}@media only screen and (min-width:1024px){._2GpEY>section{width:82.9833333333%;margin-right:auto;margin-left:auto}}._31DCp{padding:12px 20px;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin:0 -20px;color:var(--colorBrand)}@media only screen and (min-width:768px){._31DCp{padding:12px 0;margin:0 0 8px}}._31DCp h2{font-size:1.0625rem;display:inline;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (min-width:768px){._31DCp h2{font-size:1.25rem;letter-spacing:3px}}._5OQo8{position:relative;bottom:16px;width:80px}@media only screen and (min-width:768px){._5OQo8{position:absolute;bottom:48px;left:20px;width:98px}}._6ENRg{padding-top:16px;border-top:1px solid #d7dbe3;border-bottom:1px solid #d7dbe3}@media only screen and (max-width:767px){._6ENRg>div{padding-bottom:8px}}@media only screen and (min-width:768px){._6ENRg{padding-top:32px}}@media only screen and (min-width:768px)and (max-width:1023px){._6ENRg{width:calc(100% + 40px);margin-right:-20px;margin-left:-20px}}@media only screen and (max-width:767px){._6ENRg._6ENRg>div{width:calc(100% + 40px);margin-right:-20px;margin-bottom:0;margin-left:-20px}}@media only screen and (min-width:768px)and (max-width:1023px){._6ENRg._6ENRg>div{width:100%;margin-right:0;margin-left:0}}@media only screen and (max-width:767px){._1FWDp figure{margin-right:-20px;margin-left:-20px}}._1FWDp._1FWDp{margin-bottom:24px}._3nakJ{margin:24px 0;text-align:center}@media only screen and (min-width:768px){._3nakJ{margin:32px 0}}._3nakJ p{margin-bottom:10px;font-weight:700}._3zMrp{z-index:70;position:fixed;top:0;right:0;bottom:0;left:0;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;background:rgba(0,0,0,.6)}._2zP2_{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}._1Jq9J{position:relative;width:100%;height:100%;font-family:PT Sans,system-fonts-primary,sans-serif;overflow-y:auto}._2yRSr:after{content:"";display:table;clear:both}@media only screen and (max-width:767px){._2yRSr:before{position:absolute;right:0;left:0;border-top:3px solid var(--colorBrand);content:""}}@media only screen and (min-width:768px){._2yRSr{border-top:3px solid var(--colorBrand)}}._3YQoD{border-color:#0ea800}@media only screen and (max-width:767px){._3YQoD:before{border-color:#0ea800}}._2aPYn{border-top:none}._1ki1P{width:300px;float:left}@media only print{._1ki1P{width:100%;margin-bottom:24px}}@media only screen and (max-width:1023px){._1ki1P{display:block;clear:both;float:none;width:100%;margin-right:auto;margin-bottom:24px}._1ki1P,._1ki1P:first-child{margin-left:auto}._1ki1P:last-child{margin-right:auto}}._1ki1P:empty{margin-bottom:0}._1ysFk{line-height:1.6470588235;font-size:1.0625rem;width:100%;margin-bottom:24px;color:var(--colorBrand);font-family:PT Serif,system-fonts-secondary,serif}@media only print{._1ysFk{color:#232323}}@media only screen and (min-width:1024px){._1ysFk{width:calc(100% - 340px);margin-right:0;float:right}}@media only screen and (min-width:768px){._1ysFk{line-height:1.7777777778;font-size:1.125rem;position:relative;margin-bottom:40px}}._2q-Vk:last-child>:last-child,._2q-Vk:last-child>:last-child>iframe{margin-bottom:0}.vPaWe{clear:both}@media only screen and (min-width:1024px){.vPaWe{display:-ms-flexbox;display:flex}}@media only screen and (min-width:768px){.vPaWe ._1ysFk{margin-bottom:0}}@media only screen and (min-width:1024px){.vPaWe ._1ysFk{-ms-flex-order:2;order:2;margin-left:40px}}@media only screen and (min-width:1024px){.vPaWe ._1ki1P{-ms-flex-order:1;order:1}}@media only screen and (min-width:1024px){.vPaWe ._1ki1P,.vPaWe ._2MFEO{display:-ms-flexbox;display:flex}.vPaWe ._2MFEO{overflow:hidden;-ms-flex:1;flex:1;-ms-flex-direction:column;flex-direction:column}}@media only screen and (min-width:1024px){.vPaWe ._1R0g5{-ms-flex:1;flex:1;margin-bottom:40px}.vPaWe ._1R0g5 .adWrapper{margin-bottom:0}.vPaWe ._1R0g5 .ad{min-height:250px}}.vPaWe ._3Cxsr{clear:both}@media only screen and (max-width:1023px){.vPaWe ._3Cxsr{padding-top:6px;border-top:1px solid #d7dbe3;margin-top:24px}}@media only screen and (min-width:768px)and (max-width:1023px){.vPaWe ._3Cxsr{padding-top:24px}}.vPaWe ._3Cxsr .ad{min-height:250px}._1FVfK{clear:both}._1FVfK .adWrapper{padding:12px 0 24px;border:1px solid #d7dbe3;border-width:1px 0;margin-bottom:16px}@media only screen and (max-width:1023px){._1FVfK .adWrapper{margin-right:-20px;margin-left:-20px}}@media only screen and (min-width:768px){._1FVfK .adWrapper{padding:24px 0;margin-bottom:32px}}@media only screen and (min-width:1024px){._1FVfK .adWrapper{margin-bottom:40px}}._1FVfK .adWrapper small{bottom:8px}@media only screen and (max-width:1023px){._1lC_G{clear:both}._1lC_G .adWrapper{padding:12px 0 24px;border:1px solid #d7dbe3;border-width:1px 0;margin:0 -20px 16px}._1lC_G .adWrapper small{bottom:8px}}._2iGMx._2iGMx{z-index:30}._1-uzy{width:100%;margin-bottom:24px}@media only screen and (min-width:768px)and (max-width:1023px){._1-uzy{float:left;clear:none;text-align:inherit;width:48.5%;margin-left:0;margin-right:3%}._1-uzy:after{content:"";display:table;clear:both}._1-uzy:last-child{margin-right:0}}._22Idm{padding-top:24px;border-top:1px solid #d7dbe3;clear:both}._16lwx._16lwx{padding-top:16px;padding-bottom:24px;border-bottom:0;margin-bottom:0}@media only screen and (min-width:768px){._16lwx._16lwx{padding-top:24px;padding-bottom:32px}}@media only screen and (min-width:768px)and (max-width:1023px){.KNwOD ._1lC_G{width:calc(99.9% * 12/10 - -6.399999999999999px);margin-left:calc(99.9% * -1/10 - 35.2px + 32px)!important}.KNwOD ._1lC_G:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._1lC_G:last-child{margin-right:0}.KNwOD ._1lC_G:nth-child(0n){float:right}.KNwOD ._1lC_G>div{margin-right:-24px;margin-left:-24px}.KNwOD ._1lC_G+._2q-Vk{clear:both}}@media only screen and (min-width:768px)and (max-width:1023px){.KNwOD ._1FVfK>div{margin-right:-24px;margin-left:-24px}}.KNwOD ._1Rw6X{display:-ms-flexbox;display:flex;-ms-flex-wrap:wrap;flex-wrap:wrap}@media only screen and (min-width:1024px){.KNwOD ._1Rw6X{-ms-flex-direction:row-reverse;flex-direction:row-reverse}}.KNwOD ._2GZaf{width:100%}@media only screen and (min-width:768px)and (max-width:1023px){.KNwOD ._2GZaf{width:calc(99.9% * 10/12 - 5.333333333333332px);margin-left:calc(99.9% * 0.083333333333333 - 29.333333333333343px + 32px)!important}.KNwOD ._2GZaf:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._2GZaf:last-child{margin-right:0}.KNwOD ._2GZaf:nth-child(1n){margin-right:0;float:right}.KNwOD ._2GZaf:nth-child(1n+1){clear:both}}@media only screen and (min-width:1024px){.KNwOD ._2GZaf{display:-ms-flexbox;display:flex;-ms-flex-direction:column;flex-direction:column;width:calc(99.9% * 4/12 - 21.333333333333336px)}.KNwOD ._2GZaf:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._2GZaf:last-child{margin-right:0}.KNwOD ._2GZaf:nth-child(1n){margin-right:0;float:right}.KNwOD ._2GZaf:nth-child(1n+1){clear:both}.KNwOD ._2GZaf>*{width:300px;margin-left:auto}}.KNwOD ._3sCHz{padding-bottom:224px}@media only print{.KNwOD ._3sCHz{top:auto;padding-bottom:0}}@media only screen and (max-width:1023px){.KNwOD ._3sCHz{display:none}}.KNwOD ._3sCHz:first-child{margin-top:224px}@media only print{.KNwOD ._3sCHz:first-child{margin-top:0}}@media only screen and (min-width:768px){.KNwOD ._1ysFk{width:calc(99.9% * 10/12 - 5.333333333333332px);margin-left:calc(99.9% * 0.083333333333333 - 29.333333333333343px + 32px)!important}.KNwOD ._1ysFk:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._1ysFk:last-child{margin-right:0}.KNwOD ._1ysFk:nth-child(12n){margin-right:0;float:right}.KNwOD ._1ysFk:nth-child(12n+1){clear:both}}@media only screen and (min-width:1024px){.KNwOD ._1ysFk{-ms-flex-direction:row-reverse;flex-direction:row-reverse;width:calc(99.9% * 7/12 - 13.333333333333332px)}.KNwOD ._1ysFk:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._1ysFk:last-child{margin-right:0}.KNwOD ._1ysFk:nth-child(12n){margin-right:0;float:right}.KNwOD ._1ysFk:nth-child(12n+1){clear:both}.KNwOD ._1ysFk._1ysFk{margin-right:32px}}@media only screen and (min-width:1024px){.KNwOD ._1ki1P{-ms-flex-direction:row-reverse;flex-direction:row-reverse;width:calc(99.9% * 4/12 - 21.333333333333336px)}.KNwOD ._1ki1P:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._1ki1P:last-child{margin-right:0}.KNwOD ._1ki1P:nth-child(12n){margin-right:0;float:right}.KNwOD ._1ki1P:nth-child(12n+1){clear:both}}.KNwOD ._2MFEO{width:300px}@media only screen and (min-width:1024px){.KNwOD ._2MFEO{float:right}}@media only screen and (min-width:768px){.KNwOD ._2cBGs,.KNwOD ._2spQv,.KNwOD ._3xMIO,.KNwOD ._6jG8W,.KNwOD .CBSIP,.KNwOD .HLj_F,.KNwOD .rZpFN{width:calc(99.9% * 12/10 - -6.399999999999999px);margin-left:calc(99.9% * -1/10 - 35.2px + 32px)!important}.KNwOD ._2cBGs:nth-child(1n),.KNwOD ._2spQv:nth-child(1n),.KNwOD ._3xMIO:nth-child(1n),.KNwOD ._6jG8W:nth-child(1n),.KNwOD .CBSIP:nth-child(1n),.KNwOD .HLj_F:nth-child(1n),.KNwOD .rZpFN:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._2cBGs:last-child,.KNwOD ._2spQv:last-child,.KNwOD ._3xMIO:last-child,.KNwOD ._6jG8W:last-child,.KNwOD .CBSIP:last-child,.KNwOD .HLj_F:last-child,.KNwOD .rZpFN:last-child{margin-right:0}.KNwOD ._2cBGs:nth-child(0n),.KNwOD ._2spQv:nth-child(0n),.KNwOD ._3xMIO:nth-child(0n),.KNwOD ._6jG8W:nth-child(0n),.KNwOD .CBSIP:nth-child(0n),.KNwOD .HLj_F:nth-child(0n),.KNwOD .rZpFN:nth-child(0n){float:right}}@media only screen and (min-width:1024px){.KNwOD ._2cBGs,.KNwOD ._2spQv,.KNwOD ._3xMIO,.KNwOD ._6jG8W,.KNwOD .CBSIP,.KNwOD .HLj_F,.KNwOD .rZpFN{width:calc(99.9% * 8/7 - -4.571428571428569px);margin-left:calc(99.9% * -1/7 - 36.57142857142857px + 32px)!important}.KNwOD ._2cBGs:nth-child(1n),.KNwOD ._2spQv:nth-child(1n),.KNwOD ._3xMIO:nth-child(1n),.KNwOD ._6jG8W:nth-child(1n),.KNwOD .CBSIP:nth-child(1n),.KNwOD .HLj_F:nth-child(1n),.KNwOD .rZpFN:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._2cBGs:last-child,.KNwOD ._2spQv:last-child,.KNwOD ._3xMIO:last-child,.KNwOD ._6jG8W:last-child,.KNwOD .CBSIP:last-child,.KNwOD .HLj_F:last-child,.KNwOD .rZpFN:last-child{margin-right:0}.KNwOD ._2cBGs:nth-child(0n),.KNwOD ._2spQv:nth-child(0n),.KNwOD ._3xMIO:nth-child(0n),.KNwOD ._6jG8W:nth-child(0n),.KNwOD .CBSIP:nth-child(0n),.KNwOD .HLj_F:nth-child(0n),.KNwOD .rZpFN:nth-child(0n){float:right}}.KNwOD ._6jG8W:after,.KNwOD ._6jG8W:before{content:"";display:table}.KNwOD ._6jG8W:after{clear:both}.KNwOD .CBSIP :last-child{margin-bottom:0}@media only screen and (min-width:1024px){.KNwOD ._2iOEC{margin-bottom:16px}.KNwOD ._2iOEC:after{content:none}}@media only print{.KNwOD .HLj_F{display:none}}@media only screen and (min-width:768px){.KNwOD ._2XZQH._4vIBa,.KNwOD ._2XZQH.RMwbY{width:calc(99.9% * 12/10 - -6.399999999999999px);margin-left:calc(99.9% * -1/10 - 35.2px + 32px)!important}.KNwOD ._2XZQH._4vIBa:nth-child(1n),.KNwOD ._2XZQH.RMwbY:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._2XZQH._4vIBa:last-child,.KNwOD ._2XZQH.RMwbY:last-child{margin-right:0}.KNwOD ._2XZQH._4vIBa:nth-child(0n),.KNwOD ._2XZQH.RMwbY:nth-child(0n){float:right}}@media only screen and (min-width:1024px){.KNwOD ._2XZQH._4vIBa,.KNwOD ._2XZQH.RMwbY{width:calc(99.9% * 8/7 - -4.571428571428569px);margin-left:calc(99.9% * -1/7 - 36.57142857142857px + 32px)!important}.KNwOD ._2XZQH._4vIBa:nth-child(1n),.KNwOD ._2XZQH.RMwbY:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._2XZQH._4vIBa:last-child,.KNwOD ._2XZQH.RMwbY:last-child{margin-right:0}.KNwOD ._2XZQH._4vIBa:nth-child(0n),.KNwOD ._2XZQH.RMwbY:nth-child(0n){float:right}}@media only screen and (min-width:768px){.KNwOD ._2XZQH._1oYW5,.KNwOD ._2XZQH.VXpYY{width:calc(99.9% * 5/10 - 16px)}.KNwOD ._2XZQH._1oYW5:nth-child(1n),.KNwOD ._2XZQH.VXpYY:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._2XZQH._1oYW5:last-child,.KNwOD ._2XZQH.VXpYY:last-child{margin-right:0}.KNwOD ._2XZQH._1oYW5:nth-child(1n),.KNwOD ._2XZQH.VXpYY:nth-child(1n){margin-right:0;float:right}.KNwOD ._2XZQH._1oYW5:nth-child(1n+1),.KNwOD ._2XZQH.VXpYY:nth-child(1n+1){clear:both}}@media only screen and (min-width:1024px){.KNwOD ._2XZQH._1oYW5,.KNwOD ._2XZQH.VXpYY{width:calc(99.9% * 3/7 - 18.285714285714285px)}.KNwOD ._2XZQH._1oYW5:nth-child(1n),.KNwOD ._2XZQH.VXpYY:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._2XZQH._1oYW5:last-child,.KNwOD ._2XZQH.VXpYY:last-child{margin-right:0}.KNwOD ._2XZQH._1oYW5:nth-child(1n),.KNwOD ._2XZQH.VXpYY:nth-child(1n){margin-right:0;float:right}.KNwOD ._2XZQH._1oYW5:nth-child(1n+1),.KNwOD ._2XZQH.VXpYY:nth-child(1n+1){clear:both}}@media only screen and (min-width:768px){.KNwOD ._3by58{width:calc(99.9% * 5/10 - 16px)}.KNwOD ._3by58:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._3by58:last-child{margin-right:0}.KNwOD ._3by58:nth-child(1n){margin-right:0;float:right}.KNwOD ._3by58:nth-child(1n+1){clear:both}}@media only screen and (min-width:1024px){.KNwOD ._3by58{width:calc(99.9% * 3/7 - 18.285714285714285px)}.KNwOD ._3by58:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._3by58:last-child{margin-right:0}.KNwOD ._3by58:nth-child(1n){margin-right:0;float:right}.KNwOD ._3by58:nth-child(1n+1){clear:both}}.KNwOD ._32sSk{width:calc(100% + 40px);padding:0;border:none;margin:0 -20px}@media only screen and (min-width:768px){.KNwOD ._32sSk{margin:0 0 24px;width:calc(99.9% * 12/10 - -6.399999999999999px);margin-left:calc(99.9% * -1/10 - 35.2px + 32px)!important}.KNwOD ._32sSk:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._32sSk:last-child{margin-right:0}.KNwOD ._32sSk:nth-child(0n){float:right}}@media only screen and (min-width:1024px){.KNwOD ._32sSk{width:calc(99.9% * 8/7 - -4.571428571428569px);margin-left:calc(99.9% * -1/7 - 36.57142857142857px + 32px)!important}.KNwOD ._32sSk:nth-child(1n){float:left;margin-right:32px;clear:none}.KNwOD ._32sSk:last-child{margin-right:0}.KNwOD ._32sSk:nth-child(0n){float:right}}.KNwOD ._32sSk:before{display:none}.KNwOD .vPaWe ._1ysFk{-ms-flex-order:0;order:0}.KNwOD .vPaWe ._2MFEO{-ms-flex:none;flex:none}@media only screen and (min-width:1024px){.KNwOD ._2GZaf[hidden]+._1ysFk{margin-right:auto}}._1vwTE{display:block;padding-top:4px}.YmeiI{line-height:1.2307692308;font-size:.8125rem;display:block;padding:6px 12px 4px;margin-top:20px;background-color:#f0f0f0;border-radius:36px;color:#000;cursor:pointer;font-family:PT Sans,system-fonts-primary,sans-serif;text-decoration:none}.YmeiI svg{position:relative;top:-2px;padding:3px;margin-right:4px;background-color:#2f818e;border-radius:50%;color:#fff}._2wfZ2{line-height:1.3333333333;font-size:.9375rem;width:311px;height:auto;padding:24px 24px 25px;background-color:#fff;border-radius:4px;color:#000;font-family:PT Sans,system-fonts-primary,sans-serif}@media only screen and (min-width:768px){._2wfZ2{top:50%;right:auto;bottom:auto;left:50%;width:400px;height:auto;max-height:95%;padding:40px}}._1TLlT{position:relative}._3eiHb{position:absolute;top:-2px;right:-2px;cursor:pointer}@media only screen and (min-width:768px){._3eiHb{top:-18px;right:-22px}}._3eiHb span{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._3cumF{line-height:1.3333333333;font-size:1.125rem;margin-bottom:18px;font-weight:700;letter-spacing:2px;text-transform:uppercase}.W7iBu{padding:20px 16px;border:1px solid #d7dbe3;margin-right:2px;margin-bottom:40px;box-shadow:2px 2px 0 rgba(166,172,186,.2)}@media only screen and (min-width:768px)and (max-width:1023px){.W7iBu{width:calc(99.9% * 12/10 - -6.399999999999999px);margin-left:calc(99.9% * -1/10 - 35.2px + 32px)!important}.W7iBu:nth-child(1n){float:left;margin-right:32px;clear:none}.W7iBu:last-child{margin-right:0}.W7iBu:nth-child(0n){float:right}}.W7iBu h1{margin-bottom:8px;font-weight:700}._1LZU8{line-height:1.2307692308;font-size:.8125rem;margin-bottom:12px;color:var(--colorBrand);font-weight:600}._28hzn ._1-WqX._1-WqX{line-height:1.1666666667;font-size:1.5rem;font-family:Abril Titling Bold,system-fonts-tertiary,serif}._28hzn ._1-WqX._1-WqX a{color:var(--colorBrand)}._28hzn p{line-height:1.5;font-size:1rem;margin-top:8px;color:#555}._1jpkW{display:none}.DLIUE{display:-ms-flexbox;display:flex;-ms-flex-align:baseline;align-items:baseline;-ms-flex-pack:justify;justify-content:space-between;margin-top:4px;font-family:PT Sans,system-fonts-primary,sans-serif}.DLIUE ._3BE9u{margin-top:0}.DLIUE ._3BE9u span{font-style:normal}.AEA-O,.DLIUE ._3BE9u span{line-height:1.2307692308;font-size:.8125rem}.AEA-O{color:#096dd2}._3DvAw{padding-top:24px;border-top:1px solid #d7dbe3;margin-bottom:32px}@media only screen and (min-width:768px){._3DvAw iframe{min-height:112px}}@media only screen and (min-width:768px)and (max-width:1023px){._3DvAw{width:calc(99.9% * 12/10 - -6.399999999999999px);margin-left:calc(99.9% * -1/10 - 35.2px + 32px)!important}._3DvAw:nth-child(1n){float:left;margin-right:32px;clear:none}._3DvAw:last-child{margin-right:0}._3DvAw:nth-child(0n){float:right}}@media only screen and (min-width:1024px){._3DvAw{padding-top:0;border:0;margin-bottom:48px}}._3DvAw h3{line-height:1.7777777778;font-size:1.125rem;margin-bottom:16px;color:var(--colorBrand);font-family:PT Sans,system-fonts-primary,sans-serif;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (max-width:1023px){._3DvAw ._2lnjx{margin-right:0;margin-left:0}}@media only screen and (min-width:768px)and (max-width:1023px){._3DvAw ._2lnjx{width:calc(99.9% * 1/2 - 16px)}._3DvAw ._2lnjx:nth-child(1n){float:left;margin-right:32px;clear:none}._3DvAw ._2lnjx:last-child{margin-right:0}._3DvAw ._2lnjx:nth-child(0n){float:right}}._3DvAw ._2Tsxq{padding-bottom:16px}@media only screen and (min-width:768px)and (max-width:1023px){._3DvAw ._2Tsxq{padding-bottom:0}}._3DvAw ._1GUN5{padding-top:14px}@media only screen and (min-width:768px)and (max-width:1023px){._3DvAw ._1GUN5{padding-top:0}}._3DvAw ._1GUN5:last-child{border-top:1px solid #d7dbe3}@media only screen and (min-width:768px)and (max-width:1023px){._3DvAw ._1GUN5:last-child{border:0}}@media only screen and (min-width:768px){._2ILyC iframe{min-height:96px}}._2ILyC ._2Tsxq{padding-bottom:24px}@media only screen and (min-width:768px)and (max-width:1023px){._2ILyC ._2Tsxq{padding-top:0}}._2ILyC ._1GUN5{padding-top:24px}@media only screen and (min-width:768px)and (max-width:1023px){._2ILyC ._1GUN5{padding-top:0}}@media only screen and (max-width:767px){._2KSwt{min-height:50px;padding-top:8px}}@media only screen and (min-width:768px){._2KSwt{min-height:90px;padding-top:4px}}._34z61{position:relative;width:100%;margin-top:8px;background:#fff;opacity:1;text-align:center}@media only screen and (min-width:768px){._34z61{height:146px;padding:16px 0 0}._34z61 .adWrapper{min-height:90px;margin-bottom:0}}@media only screen and (min-width:1024px){._34z61{height:310px}._34z61 .adWrapper{min-height:250px}._34z61._3XmI-{height:150px}._34z61._3XmI- .adWrapper{min-height:90px}}._34z61 .adWrapper{min-height:58px;margin-bottom:24px}@media only screen and (max-width:767px){._3XmI-{z-index:30}}._74KGz._2BW6y,._74KGz._3XmI-{z-index:50;position:fixed;top:0;left:0;max-height:80px;border-bottom:1px solid #d7dbe3;margin-top:0;background:#fff}@media only screen and (min-width:768px){._74KGz._2BW6y,._74KGz._3XmI-{max-height:134px}}._74KGz._2BW6y+*,._74KGz._3XmI-+*{margin-top:90px}@media only screen and (min-width:768px){._74KGz._2BW6y+*,._74KGz._3XmI-+*{margin-top:162px}}._74KGz._2BW6y{max-height:stickyHeightBillboard}@media only screen and (min-width:1024px){._74KGz._2BW6y{max-height:290px}}@media only screen and (min-width:1024px){._74KGz._2BW6y+*{margin-top:318px}}._1jvaD._1jvaD{margin-top:-134px;opacity:0;transition:all .5s ease-in}._2_iYy{overflow:hidden}@media only screen and (max-width:767px){._2_iYy{position:fixed;right:0;bottom:0;left:0;margin-top:0}._2_iYy._3XmI-{border-top:1px solid #a6acba}._2_iYy._74KGz{top:inherit;min-height:83px;max-height:none;border-bottom:0}._2_iYy._74KGz+*{margin-top:0}._2_iYy._1jvaD{bottom:-100%;margin-top:inherit;opacity:1;transition:all 1s ease-in-out}}._2UMq-{z-index:0;position:relative;min-height:50px;box-sizing:content-box;margin-bottom:32px;background:#fff;clear:both;line-height:1.2;text-align:center}._2UMq-:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){._2UMq-{min-height:90px;margin-bottom:36px}}@media only screen and (min-width:1024px){._2UMq-{margin-bottom:40px}}._2rioU,._3ToRr{display:none}._3ToRr{line-height:1;font-size:.5625rem;position:absolute;bottom:-16px;width:100%;margin-right:auto;margin-left:auto;color:#555;font-family:PT Sans,Trebuchet MS,Arial Narrow,sans-serif;letter-spacing:.5px;text-align:center}@media only screen and (min-width:768px){._3ToRr._1njqh{text-align:right}}@media only screen and (min-width:1024px){._2emtx{float:left;clear:none;text-align:inherit;width:31.8333333333%;margin-left:0;margin-right:2.25%;margin-right:0}._2emtx:after{content:"";display:table;clear:both}._2emtx:last-child{margin-right:0}}@media only screen and (max-width:767px){.ad{max-height:1000px;max-height:100vh}}.noAd{display:none}#adops-native-wrapper,#adspot-N-6x2-pos1,#adspot-N-6x2-pos2,#adspot-N-6x2-pos3,#adspot-N-6x2-pos4,#adspot-N-300x164-pos1{display:block!important;min-height:112px}#adspot-N-6x1-pos1,#adspot-N-6x3-pos1{display:block!important}._2-5AL{padding-bottom:16px;border-bottom:3px solid #d7dbe3;margin-bottom:16px}@media only screen and (max-width:767px){._2-5AL{padding:19px 20px 20px;margin:0 -20px 16px}}@media only screen and (min-width:768px){._2-5AL{padding-top:24px;padding-bottom:32px;margin-bottom:32px}}@media only screen and (min-width:768px)and (max-width:1023px){._2-5AL{padding-bottom:24px;border-bottom:none;margin-bottom:14px}}._2-5AL h1{line-height:1.1428571429;font-size:1.75rem;color:var(--colorBrand);font-family:Abril Titling Bold,system-fonts-tertiary,serif;font-weight:500}@media only print{._2-5AL h1{line-height:1.1875;font-size:2rem}}@media only screen and (min-width:768px){._2-5AL h1{line-height:1.1666666667;font-size:3rem}}._2-5AL h2{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:0;color:#555;font-family:PT Serif,system-fonts-secondary,serif;font-weight:400}@media only screen and (min-width:768px){._2-5AL h2{line-height:1.4545454545;font-size:1.375rem}}._3jJP2{margin-top:8px;margin-bottom:15px;color:#555;font-size:1.375rem;line-height:1.4}@media only screen and (min-width:768px){._3jJP2{margin-top:24px}}._2mZyC{border-bottom:0}@media only screen and (max-width:767px){._2mZyC{padding-top:0}}@media only screen and (min-width:768px){._2mZyC{width:100%;padding-top:0;padding-bottom:0}}@media only print{._2mZyC ._2JwnJ{background:none}}@media only screen and (min-width:1024px){._2mZyC ._2JwnJ{width:100vw;padding-top:0;margin-right:calc(50% - 50vw);margin-left:calc(50% - 50vw);background-color:var(--colorLiveArticleHeader)}}._2mZyC .JwYux{position:relative;padding:80px 20px 32px;border:0;margin:0 -20px -20px;background-color:var(--colorLiveArticleHeader)}@media only print{._2mZyC .JwYux{padding:60px 20px 0;background:none}}@media only screen and (min-width:768px){._2mZyC .JwYux{padding:120px 20px 40px;margin-bottom:0}}@media only screen and (min-width:1024px)and (max-width:1139px){._2mZyC .JwYux{padding-left:28px}}@media only screen and (min-width:1024px){._2mZyC .JwYux{max-width:1168px;margin:0 auto}}._2mZyC .JwYux h1,._2mZyC .JwYux h2{position:relative;color:#fff;text-shadow:#000 1px 0 4px}@media only print{._2mZyC .JwYux h1,._2mZyC .JwYux h2{color:var(--colorBrand);text-shadow:none}}._35T8u,._35T8u:before{position:absolute;top:0;left:0;width:100%;height:100%}._35T8u:before{background:linear-gradient(180deg,transparent 25%,rgba(0,0,0,.9));content:"";pointer-events:none}._35T8u div{width:100%;height:100%;background-blend-mode:luminosity;background-color:#192646;background-position:top;background-repeat:no-repeat;background-size:cover}._1Igzw{border-bottom:0}@media only screen and (min-width:1024px){._1Igzw{margin-bottom:0}}.RXZan h1{line-height:1.2777777778;font-size:2.25rem;color:#232323;font-family:Abril Titling,system-fonts-tertiary,serif;font-weight:400}@media only screen and (min-width:768px){.RXZan h1{line-height:1.1666666667;font-size:3rem}}@media only screen and (min-width:1024px){.RXZan h1{line-height:1.1428571429;font-size:3.5rem}}._2mZyC.RXZan ._2JwnJ,._2mZyC.RXZan .JwYux{background-color:#f7f6f5}@media only screen and (min-width:1024px){._2mZyC.RXZan ._2JwnJ,._2mZyC.RXZan .JwYux{background-color:#f7f6f5}}._2mZyC.RXZan .JwYux{background-color:#192646}._2mZyC.RXZan .JwYux h1{color:#232323;text-shadow:none}._2mZyC.RXZan .JwYux h2{line-height:1.7777777778;font-size:1.125rem;color:#555;font-family:PT Serif,system-fonts-secondary,serif;text-shadow:none}@media only screen and (min-width:768px){._2mZyC.RXZan .JwYux h2{line-height:1.4545454545;font-size:1.375rem}}._2YAR2{line-height:1.2307692308;font-size:.8125rem;position:relative;padding-left:0;margin-bottom:24px;color:var(--colorBrand);list-style:none}@media only screen and (min-width:768px){._2YAR2{margin-bottom:32px}}._2YAR2 li{display:inline-block}._2YAR2 li:not(:last-child){margin-right:12px}._2YAR2 li:not(._26JA0){margin-top:8px}._2YAR2 a:focus,._2YAR2 a:hover{text-decoration:underline}._2YAR2 ._3wukJ a{color:var(--colorBrand)}._2YAR2 ._1pMb9 a{color:var(--colorActionAlt)}._2wRGW,._2wRGW ._3wukJ a{color:#232323}._2wRGW ._1pMb9 a{color:#2f818e}._2wRGW .ykJgH{padding:0;background-color:unset;color:#d9172f}._26JA0{font-weight:700}.ykJgH{padding:var(--labelPadding);background-color:var(--colorLabelUrgentHighlight);color:var(--colorLabelUrgent)}.CE1Nb{color:#232323}._1dnWn.yxINm{margin-bottom:0}._1dnWn.yxINm ._1pMb9,._1dnWn.yxINm ._3wukJ{color:#a6acba}.tFmED{position:absolute;top:16px;left:20px;margin-bottom:0}@media only screen and (min-width:1024px)and (max-width:1139px){.tFmED{left:28px}}.tFmED ._1pMb9,.tFmED ._3wukJ{color:#a6acba}.tFmED ._1pMb9 a,.tFmED ._3wukJ a{color:#fff;text-shadow:#000 1px 0 4px}@media only print{.tFmED ._1pMb9 a,.tFmED ._3wukJ a{color:var(--colorBrand);text-shadow:none}}.tFmED .QKvnd.QKvnd{margin:2px 4px 0 0}.tFmED._2wRGW ._3wukJ a,.yxINm._2wRGW ._3wukJ a{color:#232323;text-shadow:none}.tFmED._2wRGW ._1pMb9 a,.yxINm._2wRGW ._1pMb9 a{color:#2f818e;text-shadow:none}._1XZ8d{line-height:1;font-size:.8125rem;margin-bottom:20px}._1XZ8d li:not(._26JA0){margin-top:4px}.yxINm.yxINm ._26JA0{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}.yxINm.yxINm a{color:#fff}@media only print{.yxINm.yxINm a{color:var(--colorBrand)}}.CpcU1{line-height:1.2307692308;font-size:.8125rem;margin-bottom:12px;font-family:PT Sans,system-fonts-primary,sans-serif;font-weight:700}@media only screen and (min-width:768px){.CpcU1{line-height:1.1333333333;font-size:.9375rem;margin-bottom:16px}}.CpcU1 span{display:inline-block;padding:4px 8px;background-color:#fff1c7;color:var(--colorBrand)}@media only screen and (min-width:768px){.CpcU1 span{padding:6px 8px}}._3OhA4{display:-ms-flexbox;display:flex;-ms-flex-direction:column;flex-direction:column;padding-bottom:12px;border-bottom:1px solid #d7dbe3;margin-bottom:32px}@media only screen and (max-width:767px){._3OhA4{padding:0 20px 4px;margin:0 -20px 24px}}@media only screen and (min-width:1024px){._3OhA4{-ms-flex-direction:row;flex-direction:row;-ms-flex-align:center;align-items:center;-ms-flex-pack:justify;justify-content:space-between;padding-bottom:32px}}@media only screen and (max-width:767px){.Lspjx{padding-top:20px}}@media only screen and (min-width:768px){.Lspjx{padding-bottom:12px}}@media only screen and (min-width:1024px){.Lspjx{padding-bottom:24px}}.Lspjx ._2h56q{padding-top:0}@media only print{.Lspjx ._2h56q{display:none}}@media only screen and (max-width:767px){.Lspjx ._2h56q._2bGxr{padding-bottom:0}}@media only screen and (min-width:768px)and (max-width:1023px){.Lspjx ._2h56q{padding-bottom:24px}}@media only screen and (min-width:768px){.Lspjx ._2h56q{padding-top:24px}}@media only screen and (min-width:1024px){.Lspjx ._2CSKo{padding-top:24px}}._2h56q{line-height:1.6;font-size:.9375rem;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;border-bottom:1px solid #d7dbe3}@media only print{._2h56q{border-bottom:0}}@media only screen and (max-width:767px){._2h56q{padding:0 20px 24px;margin:0 -20px}}@media only screen and (min-width:768px){._2h56q{padding-bottom:32px}}@media only screen and (min-width:1024px){._2h56q{max-width:396px;padding:0;border:0}}@media only screen and (min-width:1024px){._2h56q._2bGxr ._3J1te{max-width:261px}}@media only screen and (max-width:767px){._2h56q._2bGxr ._3-xPQ{line-height:1.3333333333;font-size:.9375rem}}@media only screen and (max-width:767px){._3kTtc{display:none}}._2CSKo{display:-ms-flexbox;display:flex;padding-top:4px}@media only screen and (max-width:767px){._2CSKo{-ms-flex-direction:column;flex-direction:column}}@media only screen and (min-width:768px){._2CSKo{padding-top:12px}}@media only screen and (min-width:1024px){._2CSKo{padding-top:16px}}._2NJ_s ._3-xPQ a{color:#232323}._3Eavl div:last-of-type button:after{color:var(--colorBrand)}._3Eavl div:last-of-type button:not(:first-of-type):after{color:#5f6c94}._1KqZ_{display:-ms-flexbox;display:flex}@media only screen and (max-width:767px){._1KqZ_{padding:0 8px;margin:0 -20px}}._1Yot4{position:relative}@media only screen and (max-width:767px){._1Yot4{padding:12px 20px;border-top:1px solid #d7dbe3;margin:4px -20px 0}}@media only screen and (min-width:768px){._1Yot4{padding-left:0;border-top:none;margin:0 0 4px 8px}._1Yot4:before{position:absolute;top:8px;left:-16px;height:24px;border-left:1px solid #d7dbe3;content:""}}._3-xPQ{padding-bottom:2px;color:#232323}._3-xPQ span span{font-weight:700}._3-xPQ a{color:var(--colorActionAlt)}._3-xPQ a:focus,._3-xPQ a:hover{text-decoration:underline}._3pGt1{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._3hg_W{display:block;overflow:hidden;width:72px;height:72px;-ms-flex-negative:0;flex-shrink:0;margin-right:16px;background-color:var(--colorAuthor);border-radius:50%}@media only screen and (min-width:768px)and (max-width:1023px){._3hg_W{right:8px}}.wh4Vz{padding-bottom:0;margin-bottom:0}@media only screen and (max-width:767px){.wh4Vz ._2h56q{padding-bottom:16px}.wh4Vz ._2CSKo{border-bottom:1px solid #d7dbe3}.wh4Vz ._1Yot4{padding-bottom:14px}}@media only screen and (min-width:768px)and (max-width:1023px){.wh4Vz ._2h56q{padding-bottom:14px}.wh4Vz ._2CSKo{min-height:60px;padding-bottom:8px}}@media only screen and (min-width:1024px){.wh4Vz{padding-bottom:14px}.wh4Vz:only-child{border-bottom:1px solid #d7dbe3}.wh4Vz ._3-xPQ{display:inline-block;margin-right:8px;font-weight:700}.wh4Vz ._2h56q{max-width:none}.wh4Vz ._1Yot4{display:none}}._1IjU5,._2tV7D,._2xetH{padding-bottom:2px}._2tV7D[hidden]{display:initial}._1IjU5{font-weight:var(--fontWeightArticleLastUpdated)}._3xKNx ._2xetH:after{margin-right:4px;content:","}._2_zR-._2pq8q{border-bottom:1px dotted #555;cursor:pointer}.OK924{width:auto;max-width:624px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:320px}@media only print{.OK924{max-width:-webkit-fit-content;max-width:-moz-fit-content;max-width:fit-content}}.OK924:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){.OK924{width:auto;max-width:808px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:736px}.OK924:after{content:"";display:table;clear:both}}@media only screen and (min-width:1024px){.OK924{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:1000px}.OK924:after{content:"";display:table;clear:both}}._2TEVJ{padding:0 20px}@media only screen and (max-width:360px){._2TEVJ .adWrapper{margin-right:-20px;margin-left:-20px}}._2eeHA{padding-top:32px;padding-bottom:48px}@media only screen and (min-width:768px){._2eeHA{padding-top:56px;padding-bottom:64px}}._1npeq a{color:var(--colorLink);text-decoration:var(--textDecorationLink)}._1npeq a:hover{color:var(--colorLinkHover);text-decoration:underline}._1npeq em{font-style:italic}._3_hLE{line-height:1.2307692308;font-size:.8125rem;padding:12px;border:0;border-radius:4px;letter-spacing:1px;text-align:center;text-transform:uppercase;transition:all .1s}._17BTN{background:var(--colorAction);font-weight:700;text-decoration:none}._17BTN._17BTN,._17BTN._17BTN:active,._17BTN._17BTN:hover,._17BTN._17BTN:visited,._17BTN:active,._17BTN:hover,._17BTN:visited{color:var(--colorButtonText);text-decoration:none}._17BTN:focus,._17BTN:hover{background:var(--colorActionDark)}._17BTN:active{background:var(--colorActionDarkest)}._1Zci0{border:1px solid hsla(0,0%,100%,.25);background:transparent;color:#fff}@media not all and (min-resolution:0.001dpcm){@supports(-webkit-appearance:none){._1Zci0{-webkit-font-smoothing:antialiased}}}._1Zci0:focus,._1Zci0:hover{border-color:#096dd2;background:#096dd2;color:#fff}._1Zci0:active{border-color:#004080;background:#004080;color:#fff}._17muu{border:none;background:none;border-radius:0}._1AsGk{margin-bottom:16px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:28px;line-height:32px}@media only screen and (min-width:768px){._1AsGk{margin-bottom:24px;font-size:48px;line-height:56px}}._21ebA{line-height:1.1666666667;font-size:1.5rem;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}@media only screen and (min-width:768px){._21ebA{line-height:1.1428571429;font-size:1.75rem}}._2LDXj{margin-top:32px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:20px;line-height:24px}._2LDXj,.KpWOE{margin-bottom:16px;color:var(--colorBrand)}.KpWOE{line-height:1.6470588235;font-size:1.0625rem;padding:8px 0;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin-top:24px;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (min-width:768px){.KpWOE{line-height:1.4;font-size:1.25rem;letter-spacing:3px}}.cMu-d{margin-bottom:32px}.cMu-d:after,.cMu-d:before{display:table;content:""}.cMu-d:after{clear:both}@media only screen and (min-width:768px){._32Pk2{display:block;clear:both;float:none;width:100%;margin-right:auto}._32Pk2,._32Pk2:first-child{margin-left:auto}._32Pk2:last-child{margin-right:auto}}@media only screen and (min-width:1024px){._32Pk2{float:left;clear:none;text-align:inherit;width:65.9166666667%;margin-left:0;margin-right:2.25%}._32Pk2:after{content:"";display:table;clear:both}._32Pk2:last-child{margin-right:0}}.AkZ3C{min-height:135px;margin-bottom:20px}.oKsgR{padding-top:24px;border-top:3px solid #d7dbe3}.oKsgR a{word-break:break-word;word-wrap:break-word}.oKsgR strong{font-weight:700}.oKsgR em{font-style:italic}.oKsgR p{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR p{line-height:1.7777777778;font-size:1.125rem}}.oKsgR h2,.oKsgR h3{line-height:1.1428571429;font-size:1.75rem;margin-top:32px;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}.oKsgR li{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR li{line-height:1.7777777778;font-size:1.125rem}}._3mNPm{counter-reset:b}._3mNPm li{margin-left:25px}._3mNPm>li:before{content:counters(b,".") ". ";counter-increment:b}._3gnhE{margin-top:16px;margin-left:25px;list-style:disc}._2N9eJ{line-height:1.125;font-size:1rem;width:100%;height:40px;padding:12px;border:1px solid #a6acba;border-radius:4px}.hLTvJ{position:relative;display:inline-block;padding-right:16px;font-family:PT Sans,system-fonts-primary,sans-serif}.hLTvJ:after{position:absolute;top:8px;right:8px;height:24px;border-left:1px solid #d7dbe3;content:""}._31ZN0{width:76px;padding:8px 0;border:0;background-color:#fff;border-radius:4px;color:var(--colorBrand);cursor:pointer;outline:0;text-align:center}._1Xdmo ._31ZN0{background-color:transparent}._31ZN0:focus,._31ZN0:hover{border:1.5px;background:var(--colorArticleToolHover)}._31ZN0:active{background:#a6acba}._31ZN0:active ._11R7m{color:transparent}._3-fU6{line-height:1.2307692308;font-size:.8125rem}@media only screen and (max-width:767px){._1f2Ih{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}}._11R7m{margin:0 3px 0 -5px;color:transparent;font-size:1.5rem;stroke:var(--colorBrand);stroke-width:1.5px}._3Fgh7 ._31ZN0:focus ._11R7m,._3Fgh7 ._31ZN0:hover ._11R7m{color:var(--colorAction)}._3Fgh7 ._31ZN0:focus ._3Z-hC,._3Fgh7 ._31ZN0:hover ._3Z-hC{color:#3eaaba}._3Fgh7 ._11R7m{color:var(--colorAction);stroke:var(--colorActionAlt)}._3Fgh7 ._3Z-hC._3Z-hC{color:#3eaaba;stroke:#3eaaba}._3VjT6 ._31ZN0{background:transparent;color:#fff}._3VjT6 ._31ZN0:focus,._3VjT6 ._31ZN0:hover{background:var(--colorAction)}._3VjT6 ._31ZN0:active{background:#0053a6}._3VjT6 ._11R7m{color:transparent;stroke:#fff}._3VjT6._3Fgh7 ._31ZN0:focus ._11R7m,._3VjT6._3Fgh7 ._31ZN0:hover ._11R7m{color:#fff}._3VjT6._3Fgh7 ._11R7m{color:#fff;stroke:#fff}@media only screen and (max-width:767px){._2XcOi{padding-right:0}}._2XcOi ._1pHo1:after{left:26px}.uXbxr.uXbxr{color:#232323}.uXbxr.uXbxr a{color:var(--colorInlineHoverAction)}.uXbxr.uXbxr button{padding:0;border:none;margin:0;background:none;border-radius:0;color:#096dd2;cursor:pointer;font:inherit;outline:none;outline-offset:0;text-align:left;text-decoration:none;height:auto;color:var(--colorInlineHoverAction)}.uXbxr.uXbxr button:active,.uXbxr.uXbxr button:focus,.uXbxr.uXbxr button:hover{text-decoration:underline}.uXbxr.uXbxr button::-moz-focus-inner{padding:0;border:0}.uXbxr.uXbxr a,.uXbxr.uXbxr button{border-bottom:1px solid rgba(var(--colorAction),.4)}.uXbxr.uXbxr a:focus,.uXbxr.uXbxr a:hover,.uXbxr.uXbxr button:focus,.uXbxr.uXbxr button:hover{border-color:var(--colorAction);text-decoration:none}._1ZmVg._1ZmVg a,._1ZmVg._1ZmVg button{color:#096dd2}._1pHo1._1pHo1{width:280px;color:#232323;transform:translate3d(0,20px,0);transition-delay:1s;transition-duration:.3s;transition-property:opacity,transform;transition-timing-function:ease-out}@media only screen and (max-width:767px){._1pHo1._1pHo1{width:264px}._1pHo1._1pHo1.sTLHc{left:-28px}._1pHo1._1pHo1.sTLHc:after{left:76px}}._1pHo1._1pHo1._3WoWo{transform:translateY(0)}._1pHo1._1pHo1 h3{line-height:1.3333333333;font-size:1.125rem;margin-bottom:8px;font-weight:700}._1pHo1._1pHo1 p{margin-bottom:16px;font-family:PT Sans,system-fonts-primary,sans-serif}._1pHo1._1pHo1 p,.amqdj strong{line-height:1.3333333333;font-size:.9375rem}.amqdj strong{font-weight:700}.amqdj p{margin-top:8px;margin-bottom:0}._2YSi8{width:100%;padding:12px;cursor:pointer;font-weight:700}._1N61h._1N61h{top:24px;right:8px;left:inherit;animation-duration:.3s;animation-name:_2MQNb;animation-timing-function:ease-out;color:#000;letter-spacing:0}@media only screen and (max-width:767px){._1N61h._1N61h{z-index:50;top:25px;right:4px;width:280px}}._1N61h._1N61h:after{right:-7px;left:inherit}._32kc8._32kc8{top:40px}@media only screen and (max-width:767px){._32kc8._32kc8{top:30px}}@keyframes _2MQNb{0%{top:50px;opacity:0}to{top:24px;opacity:1}}._1lwFz{z-index:20;line-height:1.3333333333;font-size:.9375rem;position:absolute;bottom:48px;left:0;width:230px;padding:16px 20px 20px;background-color:#fff;border-radius:4px;box-shadow:0 0 8px rgba(0,0,0,.25);opacity:0;text-align:left;transition:opacity .2s ease-out,visibility .2s ease-out;visibility:hidden}._1lwFz:after{position:absolute;bottom:-16px;left:20px;width:0;height:0;box-sizing:border-box;border:8px solid;border-color:transparent transparent #fff #fff;box-shadow:-2px 2px 2px 0 rgba(0,0,0,.1);content:"";transform:rotate(-45deg);transform-origin:0 0}._2Zl1d{opacity:1;visibility:visible}.WUf_a{top:48px;bottom:auto;box-shadow:0 0 8px rgba(0,0,0,.25)}.WUf_a:before{top:-8px;bottom:auto}.WUf_a:after{top:0;bottom:auto;left:48px;border-color:transparent transparent #fff #fff;box-shadow:-2px 2px 2px 0 rgba(0,0,0,.1);transform:rotate(135deg);transform-origin:0 0}button{border:none;background:none}._2Cn91{position:relative;display:inline-block;width:138px;padding-left:12px}._2Cn91:before{position:absolute;top:8px;left:0;height:24px;border-left:1px solid #d7dbe3;content:""}._2KkCz,._2KkCz button{display:inline-block}._2KkCz button{position:relative;overflow:hidden;width:32px;height:32px;-ms-flex-align:baseline;align-items:baseline;-ms-flex-pack:center;justify-content:center;padding:0;color:var(--colorActionAlt);cursor:pointer;font-family:PT Serif,system-fonts-secondary,serif;text-indent:-9999px;vertical-align:bottom}._2KkCz button:after{position:absolute;bottom:2px;left:50%;display:block;color:var(--colorActionAlt);content:"a";text-indent:0;text-transform:uppercase;transform:translate(-50%)}._2KkCz button:not(:first-child){margin-left:4px}._2KkCz ._2-NUy:before{position:absolute;bottom:1px;left:50%;display:block;width:20px;border-top:1px solid var(--colorBrand);color:#096dd2;content:"";transform:translate(-50%)}._2KkCz ._2-NUy:after{color:var(--colorBrand)}@media only screen and (max-width:767px){._3hSOH{vertical-align:top}}@media only screen and (min-width:768px){._3hSOH{max-width:100%;padding-left:0;border-top:1px solid #d7dbe3;border-left:none;background-color:#fff}._3hSOH ._2KkCz{margin-top:2px}._3hSOH button{margin-top:4px;margin-bottom:3px}._3hSOH button:not(:first-child){margin-left:0}._3hSOH:before{content:none}}._30X7v{line-height:1;font-size:1rem}._3Rq_0{line-height:1;font-size:1.25rem}._3VkdU{line-height:1;font-size:1.5rem}.-TmOP{line-height:1.3333333333;font-size:.9375rem;padding:16px 20px;margin-bottom:32px;background:#f4f5f7;color:var(--colorBrand);font-family:PT Sans,system-fonts-primary,sans-serif}.-TmOP a{border-bottom:1px solid rgba(9,109,210,.4);color:#096dd2}.-TmOP a:focus,.-TmOP a:hover{border-bottom-color:#096dd2;color:#096dd2;text-decoration:none}@media only screen and (max-width:600px){.-TmOP._14cZJ{margin:-19px -20px 24px}}@media only screen and (max-width:600px){.-TmOP.nTYxs{margin:-24px -20px 20px}}.-TmOP._28o8W{margin-top:24px;margin-bottom:16px}@media only screen and (max-width:600px){.-TmOP._28o8W{margin:-16px -20px 16px}}@media only screen and (min-width:768px){.-TmOP._28o8W{width:100%}}.-TmOP._1Iy2-{margin-bottom:32px}._21mz2{border-left:4px solid #096dd2}._3Em_j._3Em_j{border-bottom:0;font-weight:700;text-decoration:none}._3Em_j._3Em_j:focus,._3Em_j._3Em_j:hover{text-decoration:underline}._3Em_j._3Em_j:visited{color:#096dd2}._1q-_I{position:-webkit-sticky;position:sticky;top:80px}._3Bdnp{line-height:1.3333333333;font-size:.9375rem;position:relative;padding:16px 12px 16px 16px;border:1px solid #a6acba;border-left:0;margin-bottom:32px;box-shadow:2px 2px 0 0 rgba(166,172,186,.25);color:#232323;font-family:PT Sans,system-fonts-primary,sans-serif}._3Bdnp:after,._3Bdnp:before{position:absolute;height:calc(100% - 4px);content:""}._3Bdnp:before{top:5px;left:-1px;width:1px;border-left:1px solid #a6acba;background:transparent}._3Bdnp:after{top:-1px;left:0;width:4px;border-right:1px solid #a6acba;background:#fff}._39jZS{margin-right:12px}.Ad23A.Ad23A{border-bottom:0;color:#232323;text-decoration:underline;white-space:nowrap}.Ad23A.Ad23A:focus,.Ad23A.Ad23A:hover{color:var(--colorLinkHover);text-decoration:underline}._3J5Rh{width:100%;margin:0 auto 40px}@media only screen and (min-width:768px){._3J5Rh{margin:0 auto 64px}}@media only screen and (min-width:1024px){._3J5Rh{width:646px}}._1UeAY{margin-bottom:24px}._1UeAY>div{margin-bottom:0}._1NnX8 h3{padding-top:0}._1Mgvc,._2E2Ml{margin-bottom:24px}@media only screen and (min-width:768px){._1Mgvc{margin-bottom:32px}}.yytsI.yytsI{padding:0 0 24px;border-bottom:1px solid #d7dbe3;margin-bottom:24px}.fOtq8{line-height:1.3333333333;font-size:.9375rem;display:block;padding:12px 16px;margin-bottom:24px;background-color:#f4f5f7;color:#096dd2;font-weight:700}@media only screen and (max-width:767px){.fOtq8{margin-right:-20px;margin-left:-20px}}.fOtq8:focus,.fOtq8:hover{text-decoration:underline}._1R3JU{max-width:748px;min-height:156px;margin-bottom:8px}._5zxYr,.IVdMl{margin-bottom:24px}@media only screen and (min-width:768px){._5zxYr{margin-bottom:32px}}.UvPyY{position:absolute;top:0;display:block;width:100%;height:100%;background-color:hsla(0,0%,100%,.6666666667)}._3Fhwk{display:none}._1Ld7U{margin-bottom:8px}._5JLqO{display:none}._1v8uM{position:relative;display:block;max-width:100%;border-bottom:1px solid #d4d4d4;margin-bottom:16px;font-size:1rem}._3nQ7a{display:-ms-flexbox;display:flex;width:100%;height:36px;-ms-flex-align:center;align-items:center;margin-bottom:8px;cursor:pointer}._13-ix{height:24px;margin-right:8px}._3zEsU,._13-ix{width:24px;fill:transparent}._3zEsU{height:16px;margin-left:auto;transition:all .2s linear}._299f8{transform:rotate(-180deg)}._314Yh{display:none;transition:opacity .6s,visibility .6s;visibility:hidden}.Hqkd2{display:block;margin-bottom:8px;animation:_7UccF .4s;opacity:1;visibility:visible}@keyframes _7UccF{0%{opacity:0}20%{opacity:.2}40%{opacity:.4}60%{opacity:.6}80%{opacity:.8}to{opacity:1}}._1665V>p{margin-bottom:16px}@media only print{._1665V>p{line-height:1.25;font-size:1rem}}@media only screen and (min-width:768px){._1665V>p{margin-bottom:24px}}._1665V>p:empty{display:none}._1665V>h2,._1665V>h3,._1665V>h4,._1665V>h5,._1665V>h6{padding:16px 0;font-family:Abril Titling Bold,system-fonts-tertiary,serif}._1665V>h2,._1665V>h3{line-height:1.2;font-size:1.25rem}@media only screen and (min-width:768px){._1665V>h2,._1665V>h3{line-height:1.1428571429;font-size:1.75rem;padding-bottom:24px}}@media only screen and (min-width:768px){._1665V>h4,._1665V>h5,._1665V>h6{line-height:1.2;font-size:1.25rem;padding-bottom:24px}}._1665V ul{list-style:disc}._1665V ol{list-style:decimal}._1665V ol,._1665V ul{padding:8px 0 0 40px;margin-bottom:16px}@media only print{._1665V ol,._1665V ul{line-height:1.25;font-size:1rem}}._1665V ol li:not(:last-child),._1665V ul li:not(:last-child){margin-bottom:16px}._1665V b,._1665V strong{font-weight:700}._1665V a{border-bottom:var(--heightInlineAnchorBorder) solid rgba(var(--colorInlineAnchorBorder),var(--transparencyInlineAnchorBorder));color:var(--colorInlineAnchorAction);text-decoration:none}._1665V a:focus,._1665V a:hover{border-bottom-color:var(--colorInlineHoverAction);color:var(--colorInlineHoverAction);text-decoration:none}._1665V a:visited{border-bottom-color:#232323;color:#555}._1665V em,._1665V i{font-style:italic}._3se6S{height:100vh}@media not print{.ol2R3>ol,.ol2R3>p,.ol2R3>ul{line-height:1.6842105263;font-size:1.1875rem}}@media only screen and (min-width:768px){.ol2R3>ol,.ol2R3>p,.ol2R3>ul{line-height:1.6;font-size:1.25rem}}@media not print{.ol2R3>h2,.ol2R3>h3{line-height:1.1666666667;font-size:1.5rem}}@media only screen and (min-width:768px){.ol2R3>h2,.ol2R3>h3{line-height:1.125;font-size:2rem}}@media not print{.ol2R3>h4,.ol2R3>h5,.ol2R3>h6{line-height:1.6842105263;font-size:1.1875rem}}@media only screen and (min-width:768px){.ol2R3>h4,.ol2R3>h5,.ol2R3>h6{line-height:1.1666666667;font-size:1.5rem}}@media not print{._1Qexo>ol,._1Qexo>p,._1Qexo>ul{line-height:1.6;font-size:1.25rem}}@media only screen and (min-width:768px){._1Qexo>ol,._1Qexo>p,._1Qexo>ul{line-height:1.6666666667;font-size:1.5rem}}@media not print{._1Qexo>h2,._1Qexo>h3{line-height:1.1428571429;font-size:1.75rem}}@media only screen and (min-width:768px){._1Qexo>h2,._1Qexo>h3{line-height:1.1111111111;font-size:2.25rem}}@media not print{._1Qexo>h4,._1Qexo>h5,._1Qexo>h6{line-height:1.6;font-size:1.25rem}}@media only screen and (min-width:768px){._1Qexo>h4,._1Qexo>h5,._1Qexo>h6{line-height:1.1428571429;font-size:1.75rem}}._2IOn6 p{margin-bottom:24px}@media only screen and (min-width:768px){._2IOn6 p{margin-bottom:32px}}._2IOn6 ol,._2IOn6 ul{display:inline-block}._2dHq7>:last-child{margin-bottom:0}._1DQEH a{border-bottom:none;color:#2f818e}._1DQEH a:focus,._1DQEH a:hover{color:#2f818e;text-decoration:underline}._3zMrp{z-index:70;position:fixed;top:0;right:0;bottom:0;left:0;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;background:rgba(0,0,0,.6)}._2zP2_{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}._1Jq9J{position:relative;width:100%;height:100%;font-family:PT Sans,system-fonts-primary,sans-serif;overflow-y:auto}._3ujPS{position:relative;overflow:hidden;width:100%;margin-bottom:16px;clear:both}@media only print{._3ujPS{padding:0;page-break-inside:avoid}}@media only screen and (min-width:768px){._3ujPS{margin-bottom:24px}}._3ujPS img{display:block;width:100%;height:auto;text-indent:-9999px}._3ujPS video{width:100%}._3ujPS ._1lwW_{position:relative}@media only screen and (min-width:1024px){._3ujPS ._1lwW_:before{z-index:20;background-image:url(/assets/df218e70.svg);background-position:bottom 9px left 9px}._3ujPS ._1lwW_:after{z-index:10;background:#000;background-image:url(/assets/a614f31b.svg);background-position:top 9px right 9px}._3ujPS ._1lwW_:after,._3ujPS ._1lwW_:before{display:inline-block;overflow:hidden;width:1em;height:1em;background-size:100% auto;text-indent:-9999px;vertical-align:middle;position:absolute;right:0;bottom:0;background-repeat:no-repeat;background-size:9px 9px;content:"";font-size:38px;opacity:0;transform:translateZ(0);transition:opacity .2s ease-out,transform .4s ease-out}._3ujPS ._1lwW_:focus:after,._3ujPS ._1lwW_:focus:before,._3ujPS ._1lwW_:hover:after,._3ujPS ._1lwW_:hover:before{opacity:1}._3ujPS ._1lwW_:focus:before,._3ujPS ._1lwW_:hover:before{transform:translate3d(-1px,1px,0)}._3ujPS ._1lwW_:focus:after,._3ujPS ._1lwW_:hover:after{transform:translate3d(1px,-1px,0)}}@media only screen and (max-width:767px){._3g3zI{width:auto;margin-right:-20px;margin-left:-20px}}._3g3zI._1ssw5 ._3CZmy{padding:8px 0}@media only screen and (max-width:767px){._3g3zI ._3CZmy{padding:12px 20px}}@media only print{._3CeoW,._3g3zI,._3x3-4._3x3-4{width:100%}}._1ilMH,._2-WXH{float:left;clear:none;text-align:inherit;width:48.5%;margin-left:0;margin-right:3%}._1ilMH:after,._2-WXH:after{content:"";display:table;clear:both}._1ilMH:last-child,._2-WXH:last-child{margin-right:0}@media only screen and (min-width:768px){._1ilMH,._2-WXH{float:left;clear:none;text-align:inherit;width:39.9166666667%;margin-left:0;margin-right:3%}._1ilMH:after,._2-WXH:after{content:"";display:table;clear:both}._1ilMH:last-child,._2-WXH:last-child{margin-right:0}}@media only screen and (min-width:1024px){._1ilMH,._2-WXH{float:left;clear:none;text-align:inherit;width:38.2%;margin-left:0;margin-right:3%}._1ilMH:after,._2-WXH:after{content:"";display:table;clear:both}._1ilMH:last-child,._2-WXH:last-child{margin-right:0}}._1ilMH._1ilMH,._2-WXH._2-WXH{margin-right:0;margin-left:20px;clear:right;float:right}._3CZmy{padding:8px 0;color:#555;font-family:PT Sans,system-fonts-primary,sans-serif}@media only print{._3CZmy{padding-right:0;padding-left:0;background-color:#fff}}._3CZmy p{line-height:1.3333333333;font-size:.9375rem;margin-bottom:0}._3CZmy ._2Li3P+.ojLwA:before{display:inline-block;width:8px;content:""}._3CZmy ._30ROC{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._3CZmy .ojLwA{line-height:1.4545454545;font-size:.6875rem;color:#767676;text-transform:uppercase}._2plt2{overflow:auto}@media only screen and (min-width:768px){._2plt2{padding:3%}}@media only screen and (min-width:1024px){._2plt2{padding:3% 8%}}._2zMPb{position:relative;-ms-flex-item-align:start;align-self:flex-start;margin:auto 0;box-shadow:0 0 24px rgba(0,0,0,.25)}@media screen and (orientation:landscape){._2zMPb.LBaP8{margin:auto 20%}}._2zMPb button{position:absolute;top:10px;right:10px;padding:12px 12px 12px 13px;margin:0;background-color:#000;color:#fff;cursor:pointer;opacity:.8;transform:translateZ(0);transition:opacity .2s ease-out}@media only screen and (min-width:1024px){._2zMPb button{top:0;right:-50px}}._2zMPb button:focus,._2zMPb button:hover{opacity:1}._2zMPb button span{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}.xjs4x{background:#fff}.xjs4x img{display:block;width:100%;max-width:100%;height:auto;min-height:105px;max-height:100%;background:rgba(215,219,227,.5);text-indent:-9999px}@media only screen and (min-width:768px){.xjs4x img{min-height:300px}}.xjs4x figcaption{padding:8px 10px}._1lwW_{cursor:pointer}._3CeoW ._1lwW_ img{min-height:160px}._1ilMH ._1lwW_,._2-WXH ._1lwW_,._3g3zI ._1lwW_,._3x3-4 ._1lwW_{position:relative;display:block;overflow:hidden}._1ilMH ._1lwW_ video,._2-WXH ._1lwW_ video,._3g3zI ._1lwW_ video,._3x3-4 ._1lwW_ video{position:absolute}._3g3zI ._3Cr0o{padding-bottom:56.2%}._3x3-4 ._3Cr0o{padding-bottom:66.67%}._2-WXH ._3Cr0o{padding-bottom:100%}._1ilMH ._3Cr0o{padding-bottom:150%}._2-mIY,.Zfkcv{margin-top:32px;margin-bottom:32px;clear:both}._2-mIY{position:relative;padding-left:28px}._2-mIY:before{line-height:1.25;font-size:3rem;position:absolute;top:0;left:0;color:#a6acba;content:"\201C";font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}._2-mIY p{padding:20px 0 0;margin-bottom:4px;font-style:italic;letter-spacing:.25px}._2-mIY p:first-child{padding-top:0}@media only screen and (min-width:768px){.Zfkcv{width:auto;max-width:82.7833333333%;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0}.Zfkcv:after{content:"";display:table;clear:both}}@media only screen and (min-width:1024px){.Zfkcv{width:auto;max-width:74.225%;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0}.Zfkcv:after{content:"";display:table;clear:both}}.Zfkcv._34VZc{max-width:100%}@media only screen and (min-width:768px){.Zfkcv._34VZc{position:relative;left:-10.4%}}@media only screen and (min-width:1024px){.Zfkcv._34VZc{position:relative;left:-14.9%}}.Zfkcv._34VZc:before{border-color:#d7dbe3}.Zfkcv:before{display:block;width:45.7%;max-width:280px;border-top:1px solid var(--colorInlineQuote);content:""}@media only screen and (min-width:768px){.Zfkcv:before{width:27.2%;max-width:174px}}@media only screen and (min-width:1024px){.Zfkcv:before{width:30.4666666667%;max-width:168px}}.Zfkcv p{line-height:1.3333333333;font-size:1.5rem;padding:20px 0 0;margin-bottom:4px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-style:italic}@media only screen and (min-width:768px){.Zfkcv p{line-height:1.4285714286;font-size:1.75rem}}.Zfkcv._1iZHh p:before{content:"\201C"}.Zfkcv._1iZHh p:after{content:"\201D"}.Zfkcv cite{line-height:1.2307692308;font-size:.8125rem;color:#555;font-family:PT Sans,Trebuchet MS,Arial Narrow,sans-serif;font-style:normal}.ymInT{position:relative;padding:8px 20px 4px;border:1px solid #d7dbe3;border-left:0;margin-bottom:24px;border-radius:0 4px 4px 0;clear:both}@media only screen and (min-width:768px){.ymInT{float:left;clear:none;text-align:inherit;width:39.9166666667%;margin-left:0;margin-right:3%;padding:0;border:none;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin:8px 0 32px 20px;border-radius:0}.ymInT:after{content:"";display:table;clear:both}.ymInT:nth-child(n){margin-right:3%;float:left;clear:none}.ymInT:nth-child(1n){margin-right:0;float:right}.ymInT:nth-child(1n+1){clear:both}.ymInT:before{display:none}}@media only screen and (min-width:1024px){.ymInT{float:left;clear:none;text-align:inherit;width:38.2%;margin-left:0;margin-right:3%;margin-left:20px}.ymInT:after{content:"";display:table;clear:both}.ymInT:nth-child(n){margin-right:3%;float:left;clear:none}.ymInT:nth-child(1n){margin-right:0;float:right}.ymInT:nth-child(1n+1){clear:both}}.ymInT:before{position:absolute;top:0;bottom:0;left:0;height:100%;border-left:4px solid var(--colorBrand);content:""}.ymInT:after{display:table;clear:both;content:""}.ymInT ._21cvO{line-height:1;font-size:1rem;padding:8px 0;color:var(--colorBrand);font-family:PT Sans,system-fonts-primary,sans-serif;font-weight:700;letter-spacing:1.5px;text-transform:uppercase}@media only screen and (min-width:768px){.ymInT ._21cvO{line-height:1.3333333333;font-size:1.125rem}}._3uJpn{position:relative;min-height:250px;border:0}@media only screen and (min-width:768px){._3uJpn{min-height:350px}}@media only screen and (min-width:768px){._3TEaZ{position:relative;left:10.3%;width:37.504%;margin-bottom:32px;margin-left:-6.25%}}@media only screen and (min-width:1024px){._3TEaZ{position:relative;left:17.1666666667%;width:47.825%;margin-left:-13%}}._3TEaZ ._21cvO{padding:12px 0 16px}._1JYfJ._1JYfJ{margin:0}._1JYfJ._1JYfJ a{border:0}._1PorT{padding-bottom:16px}@media only screen and (min-width:768px){._1PorT._1PorT h3{line-height:1.2;font-size:1.25rem}}._3amsP{line-height:24px}._1TuqJ,._3amsP h5:not([data-pb-type=lb]){font-family:PT Sans,system-fonts-primary,sans-serif}._2wzgv{font-size:2rem}._2wzgv._3lVFK{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%)}@keyframes _29Qt8{to{transform:rotate(1turn)}}._3qqDc{overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}._3qqDc,._29Qt8{position:absolute}._29Qt8{top:50%;left:50%;width:20px;height:20px;box-sizing:border-box;border:2px solid transparent;border-top-color:#fff;margin-top:-10px;margin-left:-10px;animation:_29Qt8 .6s linear infinite;border-radius:50%}.D5idv ._29Qt8{border-top-color:var(--colorBrand)}._22FRK{margin-top:32px;margin-bottom:32px}@media only screen and (min-width:768px){._22FRK{margin-top:40px;margin-bottom:0}}.aKWhn{position:relative;padding-bottom:16px;border-top:1px solid #d7dbe3;clear:both}.aKWhn:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){.aKWhn{line-height:1}}.n422E{margin-top:24px}@media only screen and (min-width:768px){.n422E{margin-top:32px}}._2qhpu{margin-bottom:16px}._2qhpu h2{font-size:1.125rem;color:var(--colorBrand);font-family:PT Sans,system-fonts-primary,sans-serif;font-weight:700;text-transform:uppercase}.dLGbc{min-height:48px;-ms-flex-wrap:wrap;flex-wrap:wrap;border-bottom:1px solid #d7dbe3}.dLGbc,.dLGbc>*{display:-ms-flexbox;display:flex}.dLGbc>*{font-size:.9375rem;min-height:46px;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;padding-top:4px;padding-bottom:4px}.dLGbc>:first-child:after{top:11px;height:26px}.dLGbc>ul{margin-right:16px}.dLGbc>div:not(:last-child){padding-right:16px}.dLGbc>div:not(:last-child):after{position:absolute;top:11px;height:26px;border-left:1px solid #d7dbe3;content:""}.XkjKu{position:relative;min-height:221px;margin:0 -20px 24px}@media only screen and (min-width:532px){.XkjKu{margin:0 0 24px}}._23sy9{margin-top:-25px}._1r_Lb{margin-bottom:8px}._1r_Lb ._15JI0{border-bottom:0;margin-bottom:0}@media only screen and (min-width:1024px){._1r_Lb ._15JI0{margin-bottom:16px}}._8Cum8{position:relative}._8Cum8:after{right:16px}._8Cum8 ._4oUp_{line-height:1;font-size:.8125rem;display:inline-block;margin-right:16px;color:var(--colorActionAlt);font-family:PT Sans,Trebuchet MS,Arial Narrow,sans-serif}._8Cum8 ._4oUp_:focus,._8Cum8 ._4oUp_:hover{color:var(--colorActionAlt);text-decoration:underline}._8Cum8 ._1huTw{color:#2f818e}._8Cum8 ._1huTw:focus,._8Cum8 ._1huTw:hover{color:#2f818e;text-decoration:underline}.ZFgNO{font-family:PT Sans,system-fonts-primary,sans-serif}.ZFgNO button{padding:0;border:none;margin:0;background:none;border-radius:0;color:#096dd2;cursor:pointer;font:inherit;outline:none;outline-offset:0;text-align:left;text-decoration:none;line-height:1;font-size:.6875rem;display:block;font-weight:700;letter-spacing:1px;text-transform:uppercase}.ZFgNO button:active,.ZFgNO button:focus,.ZFgNO button:hover{text-decoration:underline}.ZFgNO button::-moz-focus-inner{padding:0;border:0}._3Nz34{padding:0}._3Nz34,._3Nz34 li{display:inline-block}._3Nz34 li{max-width:250px;padding-top:4px;padding-bottom:4px;vertical-align:top}._3Nz34 li a{display:block;overflow:hidden;height:16px}._3Nz34 li button{height:16px}._3Nz34 li:not(:last-child){margin-right:16px}._2qm3J a,._2qm3J a:focus,._2qm3J a:hover{color:#2f818e}._2Tz1_{line-height:1.2307692308;font-size:.8125rem;position:relative;color:var(--colorActionAlt);text-overflow:ellipsis;white-space:nowrap}._2Tz1_:focus,._2Tz1_:hover{color:var(--colorActionAlt);text-decoration:underline}._2Cg_3{padding-bottom:4px;border-bottom:1px solid #d7dbe3;margin-bottom:16px}._2Cg_3._2avtF{padding-bottom:0;border-bottom:none;margin-bottom:0}._2Cg_3:empty{display:none}.iQMz1{line-height:1.5714285714;font-size:.875rem;padding:0;margin-bottom:8px;font-family:PT Sans,system-fonts-primary,sans-serif}.iQMz1:after{content:"";display:table;clear:both}@media only print{.iQMz1{padding:24px 0 0;border-top:1px solid #d7dbe3;border-bottom:0}}@media only screen and (min-width:768px){.iQMz1{padding:0 12px;margin-bottom:12px}}@media only screen and (min-width:1024px){.iQMz1{padding:0 16px}}.iQMz1[hidden]{display:block}._3C7oX{float:left}._3C7oX img{display:block;width:40px;height:40px;box-sizing:content-box;border:1px solid #f4f5f7;background:var(--colorAuthor);border-radius:50%}._1Oml5{padding-left:52px}@media only screen and (min-width:768px){._1Oml5{padding-left:60px}}._3NFLJ{line-height:1.5714285714;font-size:.875rem;color:var(--colorActionAlt);font-weight:700}._3NFLJ:focus,._3NFLJ:hover{color:var(--colorActionAlt);text-decoration:underline}._3NFLJ:visited{color:var(--colorActionAlt)}._1JRPq._1JRPq,._1JRPq._1JRPq:focus,._1JRPq._1JRPq:hover{color:#2f818e}._11p0O{margin-left:8px;color:#767676}._11p0O a{color:#767676;text-decoration:underline}._11p0O a:focus,._11p0O a:hover{color:#454f64}._1pvEI._1pvEI>div>div{height:246px}@media only screen and (min-width:1024px){._1pvEI._1pvEI>div>div{position:unset;left:0;width:unset;transform:unset}._1pvEI._1pvEI>div>div>div{padding:0}}._1pvEI._1pvEI>div>div>div>div{position:unset}._1pvEI._1pvEI>div>div>div>div:after,._1pvEI._1pvEI>div>div>div>div:before{display:none}._1pvEI._1pvEI .slick-slide{width:200px}._1pvEI._1pvEI .slick-slide:after,._1pvEI._1pvEI .slick-slide:before{display:none}._1pvEI._1pvEI .slick-slide>div>div{min-width:200px;height:246px}._1pvEI._1pvEI .slick-slide>div>div>h3{line-height:1.1666666667;font-size:1.5rem}._1pvEI._1pvEI .slick-arrow{width:32px;height:32px;margin:0;background-color:unset}@media only screen and (min-width:1024px){._1pvEI._1pvEI .slick-arrow{display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center}}._1pvEI._1pvEI .slick-arrow:not(.slick-disabled):hover{background-color:#f4f5f7}._1pvEI._1pvEI .slick-arrow svg{font-size:26px}._1pvEI._1pvEI .slick-prev{top:12px;right:32px;left:unset}._1pvEI._1pvEI .slick-next{top:12px;right:0}._2zaYr{margin-bottom:32px}._2In59{min-height:40px;padding:8px 0;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin-bottom:24px;color:var(--colorBrand)}.OOkmw{font-size:1.0625rem;display:inline;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (min-width:768px){.OOkmw{font-size:1.25rem;letter-spacing:3px}}._29X_Z{position:relative;height:100px}.nBCAZ{line-height:6.25;font-size:1rem;font-weight:700;text-align:center}._2bMG3{position:relative}._2bMG3:after{content:"";display:table;clear:both}@media only screen and (min-width:768px)and (max-width:1023px){.cH9H_{height:14px;y:32}}@media only screen and (min-width:768px)and (max-width:1023px){._9d-2y{height:14px;y:50}}@media only screen and (min-width:768px)and (max-width:1023px){._1k_M1{height:14px;y:68}}._1vxqb,.he87U{overflow:hidden}._1vxqb{width:100%;margin-bottom:16px;float:none}._2jv3-{float:right}._1EgW8,._2jv3-{width:96px;height:96px}._1EgW8{margin-right:16px;float:left}._1Ln-1{display:none}.y77aF{background-color:var(--colorBrand);clear:both}._1dQzs,.y77aF{position:relative}._1dQzs{overflow:hidden;padding-bottom:24px}._1dQzs:before{position:absolute;bottom:0;left:0;width:100%;height:88px;background:linear-gradient(180deg,var(--colorBrand) 0,rgba(var(--colorSubscriberGlowBottom),0)),linear-gradient(90deg,rgba(var(--colorSubscriberGlowSurround),.5) 0,rgba(var(--colorSubscriberGlowMid),.5) 50%,rgba(var(--colorSubscriberGlowSurround),.5));content:""}._3fCTw{display:none}@media only screen and (min-width:1024px){._3fCTw{display:block}}._39_V0{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:20px;padding-right:20px;position:relative;padding-top:8px}._39_V0:after{content:"";display:table;clear:both}@media only screen and (max-width:767px){._39_V0{padding:14px 20px}}._1U4cI{padding:16px 0 40px;color:#fff}@media only screen and (max-width:767px){._1U4cI{text-align:center}}._1U4cI p{line-height:1;font-size:.875rem;padding:16px 0}@media only screen and (min-width:768px){._1U4cI p{display:inline-block;padding:16px 24px 0 0}}@media only screen and (min-width:768px){._1Z25A{float:right}}._2W4Zy{line-height:1;font-size:.875rem;display:inline-block;color:#fff}@media only screen and (max-width:767px){._2W4Zy{display:block;margin-top:40px}}@media only screen and (min-width:768px){._2W4Zy{margin-top:17px}}._2W4Zy:active,._2W4Zy:hover,._2W4Zy:visited{color:#fff}._2W4Zy:hover{text-decoration:underline}._39qXI{line-height:1;font-size:.8125rem;display:inline-block;padding:10px 16px 9px;background-color:var(--colorAction);border-radius:4px;color:var(--colorButtonText);cursor:pointer;font-weight:var(--buttonFontWeight);letter-spacing:1px;text-transform:uppercase;vertical-align:top}@media only screen and (max-width:767px){._39qXI{margin-top:28px}}@media only screen and (min-width:768px){._39qXI{margin-top:8px;margin-left:32px}}._39qXI:focus,._39qXI:hover{background-color:var(--colorActionLight);color:var(--colorButtonText)}._39qXI:active{background-color:var(--colorActionDark);color:var(--colorButtonText)}._2tZpI{padding:16px 0 24px;text-align:center}@media only screen and (min-width:768px){._2tZpI{display:inline-block;padding:16px 0 24px;margin-right:-12px;float:right}}._2tZpI li{display:inline-block}._2tZpI a{display:block;padding:5px 8px;margin:0 4px;color:#fff}._2tZpI span{position:absolute;overflow:hidden;width:1px;height:1px;padding:0;border:0;clip:rect(1px,1px,1px,1px);white-space:nowrap}.OK924{width:auto;max-width:624px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:320px}@media only print{.OK924{max-width:-webkit-fit-content;max-width:-moz-fit-content;max-width:fit-content}}.OK924:after{content:"";display:table;clear:both}@media only screen and (min-width:768px){.OK924{width:auto;max-width:808px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:736px}.OK924:after{content:"";display:table;clear:both}}@media only screen and (min-width:1024px){.OK924{width:auto;max-width:1168px;float:none;display:block;margin-right:auto;margin-left:auto;padding-left:0;padding-right:0;min-width:1000px}.OK924:after{content:"";display:table;clear:both}}._2TEVJ{padding:0 20px}@media only screen and (max-width:360px){._2TEVJ .adWrapper{margin-right:-20px;margin-left:-20px}}._2eeHA{padding-top:32px;padding-bottom:48px}@media only screen and (min-width:768px){._2eeHA{padding-top:56px;padding-bottom:64px}}._1npeq a{color:var(--colorLink);text-decoration:var(--textDecorationLink)}._1npeq a:hover{color:var(--colorLinkHover);text-decoration:underline}._1npeq em{font-style:italic}._3_hLE{line-height:1.2307692308;font-size:.8125rem;padding:12px;border:0;border-radius:4px;letter-spacing:1px;text-align:center;text-transform:uppercase;transition:all .1s}._17BTN{background:var(--colorAction);font-weight:700;text-decoration:none}._17BTN._17BTN,._17BTN._17BTN:active,._17BTN._17BTN:hover,._17BTN._17BTN:visited,._17BTN:active,._17BTN:hover,._17BTN:visited{color:var(--colorButtonText);text-decoration:none}._17BTN:focus,._17BTN:hover{background:var(--colorActionDark)}._17BTN:active{background:var(--colorActionDarkest)}._1Zci0{border:1px solid hsla(0,0%,100%,.25);background:transparent;color:#fff}@media not all and (min-resolution:0.001dpcm){@supports(-webkit-appearance:none){._1Zci0{-webkit-font-smoothing:antialiased}}}._1Zci0:focus,._1Zci0:hover{border-color:#096dd2;background:#096dd2;color:#fff}._1Zci0:active{border-color:#004080;background:#004080;color:#fff}._17muu{border:none;background:none;border-radius:0}._1AsGk{margin-bottom:16px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:28px;line-height:32px}@media only screen and (min-width:768px){._1AsGk{margin-bottom:24px;font-size:48px;line-height:56px}}._21ebA{line-height:1.1666666667;font-size:1.5rem;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}@media only screen and (min-width:768px){._21ebA{line-height:1.1428571429;font-size:1.75rem}}._2LDXj{margin-top:32px;font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif;font-size:20px;line-height:24px}._2LDXj,.KpWOE{margin-bottom:16px;color:var(--colorBrand)}.KpWOE{line-height:1.6470588235;font-size:1.0625rem;padding:8px 0;border-top:3px solid var(--colorBrand);border-bottom:1px solid #d7dbe3;margin-top:24px;font-weight:700;letter-spacing:2px;text-transform:uppercase}@media only screen and (min-width:768px){.KpWOE{line-height:1.4;font-size:1.25rem;letter-spacing:3px}}.cMu-d{margin-bottom:32px}.cMu-d:after,.cMu-d:before{display:table;content:""}.cMu-d:after{clear:both}@media only screen and (min-width:768px){._32Pk2{display:block;clear:both;float:none;width:100%;margin-right:auto}._32Pk2,._32Pk2:first-child{margin-left:auto}._32Pk2:last-child{margin-right:auto}}@media only screen and (min-width:1024px){._32Pk2{float:left;clear:none;text-align:inherit;width:65.9166666667%;margin-left:0;margin-right:2.25%}._32Pk2:after{content:"";display:table;clear:both}._32Pk2:last-child{margin-right:0}}.AkZ3C{min-height:135px;margin-bottom:20px}.oKsgR{padding-top:24px;border-top:3px solid #d7dbe3}.oKsgR a{word-break:break-word;word-wrap:break-word}.oKsgR strong{font-weight:700}.oKsgR em{font-style:italic}.oKsgR p{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR p{line-height:1.7777777778;font-size:1.125rem}}.oKsgR h2,.oKsgR h3{line-height:1.1428571429;font-size:1.75rem;margin-top:32px;margin-bottom:16px;color:var(--colorBrand);font-family:Abril Titling Bold,Book Antiqua,Palatino,Palatino Linotype,Palatino LT STD,Georgia,serif}.oKsgR li{line-height:1.4117647059;font-size:1.0625rem;margin-bottom:16px;color:#232323;font-family:PT Serif,Georgia,Times,Times New Roman,serif}@media only screen and (min-width:768px){.oKsgR li{line-height:1.7777777778;font-size:1.125rem}}._3mNPm{counter-reset:b}._3mNPm li{margin-left:25px}._3mNPm>li:before{content:counters(b,".") ". ";counter-increment:b}._3gnhE{margin-top:16px;margin-left:25px;list-style:disc}._2N9eJ{line-height:1.125;font-size:1rem;width:100%;height:40px;padding:12px;border:1px solid #a6acba;border-radius:4px}._3zMrp{z-index:70;position:fixed;top:0;right:0;bottom:0;left:0;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center;-ms-flex-pack:center;justify-content:center;background:rgba(0,0,0,.6)}._2zP2_{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}._1Jq9J{position:relative;width:100%;height:100%;font-family:PT Sans,system-fonts-primary,sans-serif;overflow-y:auto}._2cb-t{border-top:1px solid var(--colorFooterSection);border-bottom:1px solid var(--colorFooterSection)}@media only screen and (min-width:768px){._2cb-t{width:100%;padding:24px 0;column-count:3}}@media only screen and (min-width:1024px){._2cb-t{column-count:4}}@media only screen and (min-width:768px){._3WLzB{margin-bottom:24px}}@media only screen and (min-width:768px){._3WLzB:first-child{margin-bottom:148px}}@media only screen and (min-width:1024px){._3WLzB:nth-child(2){margin-bottom:228px}}@media only screen and (min-width:1024px){._3WLzB:nth-child(4){margin-bottom:176px}}@media only screen and (min-width:1024px){._3WLzB._3jcx3:first-child,._3WLzB.CdtDr:first-child{margin-bottom:24px}._3WLzB._3jcx3:nth-child(2),._3WLzB.CdtDr:nth-child(2){margin-bottom:176px}._3WLzB._3jcx3:nth-child(4),._3WLzB.CdtDr:nth-child(4){margin-bottom:48px}}._3WLzB:not(:last-child){border-bottom:1px solid var(--colorFooterSection)}@media only screen and (min-width:768px){._3WLzB:not(:last-child){border:0}}._3WLzB a,._3WLzB a:visited{line-height:1;font-size:.875rem;display:block;color:#fff}@media only screen and (min-width:768px){._2_Vga,._3WLzB a,._3WLzB a:visited{display:inline-block}}._2_Vga._11Kl2 ._2hufO{transform:rotate(180deg)}._3amNM{line-height:1;font-size:.875rem;position:relative;display:block;width:100%;padding:16px 0;text-align:left}@media only screen and (min-width:768px){._3amNM{padding:0 0 8px;cursor:default}._3amNM:focus{outline:none}}._3amNM ._2g7Mb{color:#fff;font-weight:700;text-transform:uppercase}@media only screen and (min-width:768px){._3amNM ._2g7Mb{line-height:1;font-size:.875rem;letter-spacing:1.5px}}._3amNM ._2hufO{margin-right:8px;color:var(--colorFooterAction);float:right;transition:transform .3s ease-in 0s}@media only screen and (min-width:768px){._3amNM ._2hufO{display:none}}._2q5mS{list-style-type:none}@media only screen and (max-width:767px){._2q5mS{overflow:hidden;max-height:0;opacity:0;transition:all .25s ease-in;visibility:hidden}}@media only screen and (min-width:768px){._2q5mS{display:inline}}@media only screen and (max-width:767px){._2q5mS._11Kl2{max-height:600px;margin-bottom:16px;opacity:1;visibility:visible}}@media only screen and (max-width:767px){._2q5mS a{padding:9px 0}._2q5mS a:focus,._2q5mS a:hover{text-decoration:underline}}@media only screen and (min-width:768px){._2q5mS a{margin:5px 0}._2q5mS a:focus,._2q5mS a:hover{box-shadow:inset 0 -1px 0 #fff}}.WVOF2{overflow-y:hidden}@media only screen and (min-width:768px){.WVOF2{max-width:600px;height:auto}}.WVOF2 iframe{transition:height .3s,width .3s,margin .3s}@media only screen and (max-width:767px){.WVOF2 iframe{height:100%}}@media only screen and (min-width:768px){.WVOF2 iframe{min-height:300px}}._1E3GD{top:0;right:0;width:24px;height:24px;background:transparent}._1E3GD,._1E3GD span{position:absolute;padding:0;border:0}._1E3GD span{overflow:hidden;width:1px;height:1px;clip:rect(1px,1px,1px,1px);white-space:nowrap}</style><style data-styled="" data-styled-version="6.1.1"></style><noscript><style>._3fGh6 { display: none; }</style></noscript><link as="font" crossorigin="anonymous" href="/assets/3dffa6aa.woff2" rel="preload"/><link as="font" crossorigin="anonymous" href="/assets/4d02358a.woff2" rel="preload"/><link as="font" crossorigin="anonymous" href="/assets/9ff0e533.woff2" rel="preload"/><link as="font" crossorigin="anonymous" href="/assets/b81bb9a1.woff2" rel="preload"/><link as="font" crossorigin="anonymous" href="/assets/b9bc76d6.woff2" rel="preload"/><link as="font" crossorigin="anonymous" href="/assets/c5f3dffd.woff2" rel="preload"/><link as="font" crossorigin="anonymous" href="/assets/c67d7077.woff2" rel="preload"/><link as="font" crossorigin="anonymous" href="/assets/dd51f8cf.woff2" rel="preload"/><script async="" nomodule="" src="/assets/picturefill.js"></script><script async="" src="/assets/manifest.f84682bdc068818f4a64.js"></script><script nomodule="" src="/assets/alib.8d2785b74222ca90b3d5.chunk.js"></script><script src="https://adkit.9pub.io/2.1.0"></script><meta data-rh="true" content="Gifting money to family: pros and cons" name="title"/><meta data-rh="true" content="While the intention of gifting is often to help family members, you need to make sure that you don’t rob Peter to pay Paul." name="description"/><meta data-rh="true" content="" name="keywords"/><meta data-rh="true" content="" name="news_keywords"/><meta data-rh="true" content="Planning & budgeting" property="article:section"/><meta data-rh="true" content="2024-11-19T18:01:00+00:00" property="article:published_time"/><meta data-rh="true" content="2024-11-19T02:36:21+00:00" property="article:modified_time"/><meta data-rh="true" content="2024-11-19T18:01:00+00:00" itemProp="datePublished" name="pubdate"/><meta data-rh="true" content="Rachel Lane" itemProp="author" name="author"/><meta data-rh="true" content="max-image-preview:large" name="robots"/><meta data-rh="true" content="193677504039845" property="fb:app_id"/><meta data-rh="true" content="104598631263" property="fb:pages"/><meta data-rh="true" content="108603349088" property="fb:pages"/><meta data-rh="true" content="144226982353442" property="fb:pages"/><meta data-rh="true" content="1512741838937542" property="fb:pages"/><meta data-rh="true" content="353068424784135" property="fb:pages"/><meta data-rh="true" content="426728130834979" property="fb:pages"/><meta data-rh="true" content="1461418204114271" property="fb:pages"/><meta data-rh="true" content="136580726375560" property="fb:pages"/><meta data-rh="true" content="413410748733288" property="fb:pages"/><meta data-rh="true" content="941917672546382" property="fb:pages"/><meta data-rh="true" content="1618026928452148" property="fb:pages"/><meta data-rh="true" content="1517790158535620" property="fb:pages"/><meta data-rh="true" content="555471264584252" property="fb:pages"/><meta data-rh="true" content="374468399414748" property="fb:pages"/><meta data-rh="true" content="144804532256845" property="fb:pages"/><meta data-rh="true" content="1432569230378131" property="fb:pages"/><meta data-rh="true" content="While the intention of gifting is often to help family members, you need to make sure that you don’t rob Peter to pay Paul." property="og:description"/><meta data-rh="true" content="https://static.ffx.io/images/$zoom_0.181%2C$multiply_0.7554%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/t_smh_analysis_no_age_social_wm/d31336be3414fd710bfa39c0de67a22a8ddaddbb" property="og:image"/><meta data-rh="true" content="800" property="og:image:width"/><meta data-rh="true" content="450" property="og:image:height"/><meta data-rh="true" content="https://static.ffx.io/images/$zoom_0.181%2C$multiply_0.7554%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/t_smh_analysis_no_age_social_wm/d31336be3414fd710bfa39c0de67a22a8ddaddbb" property="og:image:secure_url"/><meta data-rh="true" content="en_US" property="og:locale"/><meta data-rh="true" content="The Sydney Morning Herald" property="og:site_name"/><meta data-rh="true" content="Thinking of gifting the grandkids some money? Check this first" property="og:title"/><meta data-rh="true" content="https://www.smh.com.au/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html" property="og:url"/><meta data-rh="true" content="noarchive,noodp,index,max-image-preview:large,max-snippet:-1,max-video-preview:-1" name="robots"/><meta data-rh="true" content="summary_large_image" name="twitter:card"/><meta data-rh="true" content="While the intention of gifting is often to help family members, you need to make sure that you don’t rob Peter to pay Paul." name="twitter:description"/><meta data-rh="true" content="https://static.ffx.io/images/$zoom_0.181%2C$multiply_0.7554%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/t_smh_analysis_no_age_social_wm/d31336be3414fd710bfa39c0de67a22a8ddaddbb" name="twitter:image:src"/><meta data-rh="true" content="@smh" name="twitter:site"/><meta data-rh="true" content="Thinking of gifting the grandkids some money? Check this first" name="twitter:title"/><meta data-rh="true" content="589384154045-p5vk6p2adh6l4p13n8rfjtbsfqu8gbn5.apps.googleusercontent.com" name="google-signin-client_id"/><link data-rh="true" href="https://www.smh.com.au/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html" rel="canonical"/><link href="/favicons/smh.ico" rel="shortcut icon" type="image/x-icon"/><link href="/favicons/smh.ico" rel="icon" type="image/x-icon"/><link href="/apple-touch-icons/smh.png" rel="apple-touch-icon"/></head><body class="" ><noscript><iframe height="0" src="//www.googletagmanager.com/ns.html?id=GTM-TCMZ2X6" style="display:none;visibility:hidden" title="Google Tag Manager" width="0"></iframe></noscript><noscript><iframe height="0" src="//www.googletagmanager.com/ns.html?id=GTM-N5X99R5W" style="display:none;visibility:hidden" title="Google Tag Manager" width="0"></iframe></noscript><div id="app"><div aria-atomic="true" aria-live="off" class="_2O3rv" id="page_announcer" tabindex="-1">Thinking of gifting the grandkids some money? Check this first</div><div></div><div class="_2lciU" role=""><svg aria-hidden="true" class="QMY9O idv27" focusable="false" height="1em" width="1em"><use xlink:href="#icon-exclamation"></use></svg><p>We’re sorry, this feature is currently unavailable. We’re working to restore it. Please try again later.</p><button class="_760Mo">Dismiss</button></div><nav class="RbLp5"><a href="#sections">Skip to sections navigation</a><a href="#content">Skip to content</a><a href="#footer">Skip to footer</a></nav><header class="_21UZG noPrint" data-testid="header"><div class="_2L98J"><div class="_2gsJ0"><ul><li class="PJUwX"><button aria-controls="navigation" aria-expanded="false" class="_1k8VI" data-testid="network-strip">Our network</button></li><li class="_3CYE0"></li></ul></div></div><div class="_31Bug"><div class="h-Jxc"><div class="_2k79Y"><div class="_1hN2k"><button aria-controls="navigation" aria-expanded="false" class="_2g2-4 _2FxXH" data-testid="menu-button" id="sections"><span class="_2Wsmd"><em>Open Navigation</em></span><span class="yHQ5k">Menu</span></button><button aria-label="metro-search" class="_2mFnf"><svg aria-hidden="true" class="QMY9O _31TpL" focusable="false" height="28px" width="28px"><use xlink:href="#icon-search"></use></svg></button></div><div class="_2FAuv" data-testid="small-logo"><div class="_3uPYr _2qnYw"><a class="_2ABN- YClUs" href="/"><h2>The Sydney Morning Herald</h2></a></div></div><div class="gLolC _2fVGr" data-testid="subscribe-button"><div class="_23XCI"><div id="homepage-header-subscribe-button-piano-id"></div></div></div></div></div></div></header><div class="_3ic7p printOnly"><div class="_3uPYr _2qnYw"><a class="_2ABN- YClUs" href="/"><h2>The Sydney Morning Herald</h2></a></div></div><div aria-hidden="true" class="_2yAUQ" data-testid="site-menu" id="navigation"><button class="_2dmHA">close</button><form class="_3b67L"><label for="site-search">Search Site</label><input type="search" class="_2q19s" id="site-search" name="query" placeholder="Search" value=""/><input type="submit" class="JaNbC" data-testid="search-submit" value="Search"/></form><ul class="_2fq7t" role="tablist"><li class="rGXdz" role="presentation"><a aria-controls="sections" aria-selected="true" href="#sections" id="navSections" role="tab" tabindex="0">Sections</a></li><li class="" role="presentation"><a aria-selected="false" data-testid="site-menu-network-tab" href="#network" id="navNetwork" role="tab" tabindex="-1">Network</a></li></ul><div class="RTABy"><nav aria-hidden="false" aria-labelledby="navSections" class="rGXdz _2PKwb" data-testid="site-menu-section-nav" role="tabpanel"><div><ul data-testid="site-menu-section-link-group" role="tree"><li class="" role="treeitem"><a id="section-home" href="/">Home</a></li><li class="" role="treeitem"><a id="section-sydney" href="/sydney-news">Sydney</a></li><li class="" role="treeitem"><a id="section-nsw" href="/national/nsw">NSW</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-politics" href="/politics">Politics</a><button aria-controls="subsection-politics" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-politics" class="_3Nydp" id="subsection-politics" role="group"><li class="" role="treeitem"><a id="section-politics-federal" href="/politics/federal">Federal</a></li><li class="" role="treeitem"><a id="section-politics-nsw" href="/politics/nsw">NSW</a></li><li class="" role="treeitem"><a id="section-politics-victoria" href="/politics/victoria">Victoria</a></li><li class="" role="treeitem"><a id="section-politics-queensland" href="/politics/queensland">Queensland</a></li><li class="" role="treeitem"><a id="section-politics-western-australia" href="/politics/western-australia">Western Australia</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-business" href="/business">Business</a><button aria-controls="subsection-business" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-business" class="_3Nydp" id="subsection-business" role="group"><li class="" role="treeitem"><a id="section-business-companies" href="/business/companies">Companies</a></li><li class="" role="treeitem"><a id="section-business-markets" href="/business/markets">Markets</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-business-bulls-n'-bears" href="/business/bullsnbears">Bulls N' Bears</a></li><li class="" role="treeitem"><a id="section-business-the-economy" href="/business/the-economy">The economy</a></li><li class="" role="treeitem"><a id="section-business-banking-&-finance" href="/business/banking-and-finance">Banking & finance</a></li><li class="" role="treeitem"><a id="section-business-small-business" href="/business/small-business">Small business</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-business-media" href="/topic/media-and-marketing-5z7">Media</a></li><li class="" role="treeitem"><a id="section-business-workplace" href="/business/workplace">Workplace</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-world" href="/world">World</a><button aria-controls="subsection-world" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-world" class="_3Nydp" id="subsection-world" role="group"><li class="" role="treeitem"><a id="section-world-north-america" href="/world/north-america">North America</a></li><li class="" role="treeitem"><a id="section-world-europe" href="/world/europe">Europe</a></li><li class="" role="treeitem"><a id="section-world-asia" href="/world/asia">Asia</a></li><li class="" role="treeitem"><a id="section-world-middle-east" href="/world/middle-east">Middle East</a></li><li class="" role="treeitem"><a id="section-world-oceania" href="/world/oceania">Oceania</a></li><li class="" role="treeitem"><a id="section-world-south-america" href="/world/south-america">South America</a></li><li class="" role="treeitem"><a id="section-world-africa" href="/world/africa">Africa</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-national" href="/national">National</a><button aria-controls="subsection-national" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-national" class="_3Nydp" id="subsection-national" role="group"><li class="" role="treeitem"><a id="section-national-victoria" href="/national/victoria">Victoria</a></li><li class="" role="treeitem"><a id="section-national-queensland" href="/national/queensland">Queensland</a></li><li class="" role="treeitem"><a id="section-national-western-australia" href="/national/western-australia">Western Australia</a></li></ul></li><li class="" role="treeitem"><a id="section-opinion" href="/opinion">Opinion</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-property" href="/property">Property</a><button aria-controls="subsection-property" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-property" class="_3Nydp" id="subsection-property" role="group"><li class="" role="treeitem"><a id="section-property-news" href="/property/news">News</a></li><li class="" role="treeitem"><a id="section-property-domain-magazine" href="/domain-magazine">Domain Magazine</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-property-title-deeds" href="/topic/title-deeds-1nq0">Title Deeds</a></li><li class="" role="treeitem"><a id="section-property-living" href="/property/living">Living</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-property-auctions" href="/topic/auctions-1nq1">Auctions</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-property-financing" href="/topic/financing-1nq2">Financing</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-sport" href="/sport">Sport</a><button aria-controls="subsection-sport" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-sport" class="_3Nydp" id="subsection-sport" role="group"><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-sport-nrl" href="/sport/nrl">NRL</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-sport-rugby-union" href="/sport/rugby-union">Rugby union</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-sport-cricket" href="/sport/cricket">Cricket</a></li><li class="" role="treeitem"><a id="section-sport-soccer" href="/sport/soccer">Soccer</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-sport-afl" href="/sport/afl">AFL</a></li><li class="" role="treeitem"><a id="section-sport-racing" href="/sport/racing">Racing</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-sport-tennis" href="/sport/tennis">Tennis</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-sport-netball" href="/sport/netball">Netball</a></li><li class="" role="treeitem"><a id="section-sport-basketball" href="/sport/basketball">Basketball</a></li><li class="" role="treeitem"><a id="section-sport-motorsport" href="/sport/motorsport">Motorsport</a></li><li class="" role="treeitem"><a id="section-sport-cycling" href="/sport/cycling">Cycling</a></li><li class="" role="treeitem"><a id="section-sport-golf" href="/sport/golf">Golf</a></li><li class="" role="treeitem"><a id="section-sport-nfl" href="/sport/nfl">NFL</a></li><li class="" role="treeitem"><a id="section-sport-athletics" href="/sport/athletics">Athletics</a></li><li class="" role="treeitem"><a id="section-sport-swimming" href="/sport/swimming">Swimming</a></li><li class="" role="treeitem"><a id="section-sport-boxing" href="/sport/boxing">Boxing</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a activeClassName="_22TcS" id="section-good-food" href="/goodfood">Good Food</a><button aria-controls="subsection-good-food" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-good-food" class="_3Nydp" id="subsection-good-food" role="group"><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-good-food-eating-out" href="/goodfood/sydney-eating-out">Eating out</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-good-food-recipes" href="/goodfood/recipes">Recipes</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-good-food-tips-&-advice" href="/goodfood/tips-and-advice">Tips & advice</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-good-food-drinks" href="/goodfood/drinks">Drinks</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-culture" href="/culture">Culture</a><button aria-controls="subsection-culture" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-culture" class="_3Nydp" id="subsection-culture" role="group"><li class="" role="treeitem"><a id="section-culture-movies" href="/culture/movies">Movies</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-culture-tv-&-radio" href="/culture/tv-and-radio">TV & radio</a></li><li class="" role="treeitem"><a id="section-culture-music" href="/culture/music">Music</a></li><li class="" role="treeitem"><a id="section-culture-celebrity" href="/culture/celebrity">Celebrity</a></li><li class="" role="treeitem"><a id="section-culture-books" href="/culture/books">Books</a></li><li class="" role="treeitem"><a id="section-culture-comedy" href="/culture/comedy">Comedy</a></li><li class="" role="treeitem"><a id="section-culture-dance" href="/culture/dance">Dance</a></li><li class="" role="treeitem"><a id="section-culture-musicals" href="/culture/musicals">Musicals</a></li><li class="" role="treeitem"><a id="section-culture-opera" href="/culture/opera">Opera</a></li><li class="" role="treeitem"><a id="section-culture-theatre" href="/culture/theatre">Theatre</a></li><li class="" role="treeitem"><a id="section-culture-art-&-design" href="/culture/art-and-design">Art & design</a></li><li class="" role="treeitem"><a id="section-culture-live-reviews" href="/culture/live-reviews">Live reviews</a></li><li class="" role="treeitem"><a href="https://tvguide.smh.com.au" rel="noopener noreferrer" target="_blank">TV guide</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-lifestyle" href="/lifestyle">Lifestyle</a><button aria-controls="subsection-lifestyle" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-lifestyle" class="_3Nydp" id="subsection-lifestyle" role="group"><li class="" role="treeitem"><a id="section-lifestyle-health-&-wellness" href="/lifestyle/health-and-wellness">Health & wellness</a></li><li class="" role="treeitem"><a id="section-lifestyle-fashion" href="/lifestyle/fashion">Fashion</a></li><li class="" role="treeitem"><a id="section-lifestyle-life-&-relationships" href="/lifestyle/life-and-relationships">Life & relationships</a></li><li class="" role="treeitem"><a id="section-lifestyle-beauty" href="/lifestyle/beauty">Beauty</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-lifestyle-style" href="/topic/style-luxury-1nij">Style</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-lifestyle-horoscopes" href="/topic/horoscopes-5yc">Horoscopes</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-traveller" href="/traveller">Traveller</a><button aria-controls="subsection-traveller" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-traveller" class="_3Nydp" id="subsection-traveller" role="group"><li class="" role="treeitem"><a id="section-traveller-destination-guides" href="/traveller/inspiration/destination-guides">Destination guides</a></li><li class="" role="treeitem"><a id="section-traveller-inspiration" href="/traveller/inspiration">Inspiration</a></li><li class="" role="treeitem"><a id="section-traveller-reviews-&-advice" href="/traveller/reviews-and-advice">Reviews & advice</a></li><li class="" role="treeitem"><a id="section-traveller-travel-news" href="/traveller/travel-news">Travel news</a></li></ul></li><li class="" role="treeitem"><a id="section-good-weekend" href="/good-weekend">Good Weekend</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-spectrum" href="/topic/spectrum-smh-hog">Spectrum</a></li><li class="" role="treeitem"><a id="section-sunday-life" href="/sunday-life">Sunday Life</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-money" href="/money">Money</a><button aria-controls="subsection-money" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-money" class="_3Nydp" id="subsection-money" role="group"><li class="" role="treeitem"><a id="section-money-super-&-retirement" href="/money/super-and-retirement">Super & retirement</a></li><li class="" role="treeitem"><a id="section-money-investing" href="/money/investing">Investing</a></li><li class="" role="treeitem"><a id="section-money-banking" href="/money/banking">Banking</a></li><li class="" role="treeitem"><a id="section-money-borrowing" href="/money/borrowing">Borrowing</a></li><li class="" role="treeitem"><a id="section-money-saving" href="/money/saving">Saving</a></li><li class="" role="treeitem"><a id="section-money-tax" href="/money/tax">Tax</a></li><li class="" role="treeitem"><a id="section-money-planning-&-budgeting" href="/money/planning-and-budgeting">Planning & budgeting</a></li><li class="" role="treeitem"><a id="section-money-insurance" href="/money/insurance">Insurance</a></li></ul></li><li class="" role="treeitem"><a id="section-education" href="/education">Education</a></li><li class="" role="treeitem"><a id="section-healthcare" href="/healthcare">Healthcare</a></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-environment" href="/environment">Environment</a><button aria-controls="subsection-environment" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-environment" class="_3Nydp" id="subsection-environment" role="group"><li class="" role="treeitem"><a id="section-environment-conservation" href="/environment/conservation">Conservation</a></li><li class="" role="treeitem"><a id="section-environment-climate-change" href="/environment/climate-change">Climate change</a></li><li class="" role="treeitem"><a id="section-environment-sustainability" href="/environment/sustainability">Sustainability</a></li><li class="" role="treeitem"><a id="section-environment-weather" href="/environment/weather">Weather</a></li></ul></li><li aria-expanded="false" class="_3kQ2X" role="treeitem"><a id="section-technology" href="/technology">Technology</a><button aria-controls="subsection-technology" aria-expanded="false" class=""><span class="_1KXcO">Show subsections</span><span class="_35a30"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="1em"><use xlink:href="#icon-arrowsdown"></use></svg></span></button><ul aria-hidden="true" aria-labelledby="section-technology" class="_3Nydp" id="subsection-technology" role="group"><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-technology-video-games" href="/technology/video-games">Video games</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-technology-home-tech" href="/topic/home-technology-hqq">Home tech</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-technology-phones" href="/topic/phones-5zt">Phones</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-technology-gadgets" href="/topic/gadgets-hqp">Gadgets</a></li></ul></li><li class="" role="treeitem"><a href="http://www.drive.com.au" rel="noopener noreferrer" target="_blank">Drive</a></li></ul><ul class="Uffnp _375G7" data-testid="site-menu-section-link-group" role="tree"><li><h4>Premium</h4><a class="_3zoNz _3_hLE _252xb _1Amud" data-ffx-event-label="subscribe" data-testid="subscribe-upgrade" href="https://subscribe.smh.com.au/?promote_channel=HI_IL_GNL&utm_source=PremiumIndex&utm_medium=HouseInventory&utm_campaign=General" data-ffx-event-action="cta click" data-ffx-event-attribute="menu" data-ffx-event-category="component" data-ffx-hittype="event">Subscribe</a></li><li class="" role="treeitem"><a data-testid="primary-navigation-todays-paper" id="section-today’s-paper" data-ffx-event-action="cta click" data-ffx-event-attribute="menu" data-ffx-event-category="component" data-ffx-event-label="todays paper" data-ffx-hittype="event" href="/todays-newspaper"><svg aria-hidden="true" class="QMY9O" focusable="false" height="24px" width="24px"><use xlink:href="#icon-menu-todays-paper"></use></svg>Today’s Paper</a></li><li class="" role="treeitem"><a data-testid="primary-navigation-goodfood-guide" id="section-good-food-guide" data-ffx-event-action="cta click" data-ffx-event-attribute="menu" data-ffx-event-category="component" data-ffx-event-label="goodfood guide" data-ffx-hittype="event" href="/goodfood-guide"><svg aria-hidden="true" class="QMY9O" focusable="false" height="24px" width="24px"><use xlink:href="#icon-goodfood-guide"></use></svg>Good Food Guide</a></li><li class="" role="treeitem"><a id="section-daily-puzzles" title="Daily Puzzles & Crosswords" data-ffx-event-action="cta click" data-ffx-event-attribute="menu" data-ffx-event-category="component" data-ffx-event-label="puzzles" data-ffx-hittype="event" href="/puzzles"><svg aria-hidden="true" class="QMY9O" focusable="false" height="24px" width="24px"><use xlink:href="#icon-menu-crossword"></use></svg>Daily Puzzles</a></li></ul><ul class="Uffnp undefined" data-testid="site-menu-section-link-group" role="tree"><li><h4>More</h4></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-letters" href="/topic/smh-letters-1r7">Letters</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-editorial" href="/topic/smh-editorial-1r6">Editorial</a></li><li class="" role="treeitem"><a id="section-campus" href="/australia-higher-education">Campus</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-column-8" href="/topic/column-8-1r4">Column 8</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-obituaries" href="/topic/obituaries-1qv">Obituaries</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-explainers" href="/topic/explainers-1lz9">Explainers</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-quizzes" href="/topic/quizzes-1qx">Quizzes</a></li><li class="" role="treeitem"><a activeClassName="_22TcS" id="section-podcasts" href="https://podcasts.smh.com.au/?utm_source=Explore&utm_medium=OnSite&utm_campaign=Podcast">Podcasts</a></li></ul></div></nav><nav aria-hidden="true" aria-labelledby="navNetwork" class="_2PKwb" data-testid="site-menu-network-nav" role="tabpanel"><div class="_2fv33"><ul class="_32aAr" data-testid="site-menu-network-link-group"><li><a href="https://www.smh.com.au">The Sydney Morning Herald</a></li><li><a href="https://www.theage.com.au">The Age</a></li><li><a href="https://www.brisbanetimes.com.au">Brisbane Times</a></li><li><a href="https://www.watoday.com.au">WAtoday</a></li><li><a href="https://www.afr.com">The Australian Financial Review</a></li></ul><ul class="_32aAr" data-testid="site-menu-network-link-group"><li><a href="https://www.domain.com.au">Domain</a></li><li><a href="https://www.commercialrealestate.com.au">Commercial Real Estate</a></li><li><a href="https://www.drive.com.au">Drive</a></li></ul></div></nav></div></div><main id="content"><div class="_1JART _3ECgH _2TEVJ OK924 KNwOD"><div class="_34z61 _2iGMx"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="_2KSwt" id="adspot-728x90_970x250-pos1-desktop"></div></div></div></div><article class="_2yRSr"><header class="_16lwx _2-5AL"><div class="_2JwnJ"><div class="JwYux"><div class="_2YAR2 _1dnWn"><ul><li class="_26JA0">Analysis</li><li class="_3wukJ" data-testid="category"><a title="Money" href="/money">Money</a></li><li class="_3wukJ" data-testid="category"><a title="Planning & budgeting" href="/money/planning-and-budgeting">Planning & budgeting</a></li><li class="_1pMb9" data-testid="tag-name"><a title="Pension" href="/topic/pension-60f">Pension</a></li></ul><script type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.smh.com.au/money","name":"Money"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.smh.com.au/money/planning-and-budgeting","name":"Planning & budgeting"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.smh.com.au/topic/pension-60f","name":"Pension"}}]}</script></div><h1 data-testid="headline" itemProp="headline">Thinking of gifting the grandkids some money? Check this first</h1></div></div></header><section class="_3OhA4"><div class="_2h56q _2bGxr"><div class="_3J1te"><h5 class="_3-xPQ"><span class="_3pGt1">By </span><span><span data-testid="byline"><a href="/by/rachel-lane-p5373f" title="Articles by Rachel Lane">Rachel Lane</a></span></span></h5><div class=""> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-11-20T05:01:00+11:00">November 20, 2024 — 5.01am</time></span></div></div></div><div class="_2CSKo noPrint"><div class="_1KqZ_"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://smh.myfairfax.com.au/channel/zHE9EWDHf1XPuz3Phk0YIg/members/signups/new?callback_uri=">register</a> or <a href="https://subscribe.smh.com.au/?promote_channel=HI_HL_GNL">subscribe</a> to save articles for later.</div><div><div aria-hidden="true" class="_1lwFz WUf_a _1pHo1" id="onboardingTooltip" role="tooltip"><h3>Save articles for later</h3><p>Add articles to your saved list and come back to them any time.</p><button class="_2YSi8 _17BTN _3_hLE" data-ffx-event-action="cta click" data-ffx-event-category="save onboarding" data-ffx-event-label="got it - part 1" data-ffx-hittype="event">Got it</button></div></div></div><div class="_2Cn91"><div class="_2KkCz"><button class="_30X7v _2-NUy" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size normal" data-ffx-event-value="0" data-ffx-hittype="event">Normal text size</button><button class="_3Rq_0" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size large" data-ffx-event-value="0" data-ffx-hittype="event">Larger text size</button><button class="_3VkdU" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="_1Rw6X" data-testid="article-body-top"><aside class="_2GZaf"><div class="_1q-_I _3sCHz"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="_1ysFk" data-testid="article-body"><div><div class="_5JLqO"><div class="_1Ld7U" id="beyondwords-player"></div><div class="_3Fhwk" data-testid="showPlayerOverlay"></div></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>It’s that time of year when people start thinking about gifting. We are not talking about socks, perfume or movie tickets, we’re talking about gifting a significant amount of money or assets – enough it would impact your pension or aged care costs. Before you gift, here’s what you should consider.</p><p>If you receive a means-tested pension such as the age pension, or you (or your partner) are receiving aged care then if you make (or receive) a gift you will need to disclose it to Services Australia. Whether you are a single or a couple, the allowable gifting amount is $10,000 in a financial year and $30,000 in five financial years.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.153%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_69%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb, https://static.ffx.io/images/$zoom_0.153%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_69%2C$y_0/t_crop_custom/q_62%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.153%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_69%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb, https://static.ffx.io/images/$zoom_0.153%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_69%2C$y_0/t_crop_custom/q_62%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb 2x" height="512" width="768"/><img alt="Early inheritances are well and good, but make sure you don’t regret gifting away money you might have actually needed." src="https://static.ffx.io/images/$zoom_0.153%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_69%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.153%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_69%2C$y_0/t_crop_custom/q_86%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb, https://static.ffx.io/images/$zoom_0.153%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_69%2C$y_0/t_crop_custom/q_62%2Cf_auto/d31336be3414fd710bfa39c0de67a22a8ddaddbb 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">Early inheritances are well and good, but make sure you don’t regret gifting away money you might have actually needed.</span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Simon Letch</cite></p></figcaption></figure><p>Gifts above the allowed amounts are considered a “deprived asset” which are counted as assets and deemed to earn income for pension and aged care, just like they are in your investments, for five years. After that time, they stop being assessed.</p><p>Gifts can be obvious – giving cash is typical – but it can also be a gift if you transfer an asset for less than market value. This can happen when cars and properties are transferred for less than they are worth. Under these circumstances, the difference between the market value and the amount paid is a gift.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Let’s say Shirley owns her home, she has $10,000 of personal assets, $600,000 of investments which earn $30,000 a year, and she receives $6666 a year of pension. Shirley decides to gift $500,000 from her investments to her children and grandchildren.</p><p>Assuming she has not gifted before, she can gift $10,000. The other $490,000 will be considered a deprived asset, included in her assets and deemed to earn income for the next five years.</p><blockquote class="Zfkcv" data-testid="pull-quote"><p>While the intention of gifting is often to help family members, you need to make sure that you don’t rob Peter to pay Paul.</p></blockquote><p>Shirley has reduced her assets by $10,000 and her income by $225 per year, which would see her pension increase by $780 a year. In five years the $490,000 will no longer be assessed and Shirley will be assessed on the $100,000 of investments she has left. At that time Shirley would receive around $30,000 a year in pension.</p><p>Many people wrongly believe that gifting causes you to lose pension. In reality, gifting normally delays a pension increase. The exception is when you gift an asset that was exempt from means testing such as the family home, gifting it turns it into an assessable asset that is deemed to earn income.</p></div></div></div></section><div class="_1FVfK"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250-pos3-desktop"></div></div></div></div><section class="vPaWe" data-testid="article-body-bottom"><div class="_1ysFk"><div><div class="_1665V _2q-Vk" data-testid="body-content"><p>The problem for many people is what they stand to gain in the future is not worth what they lose today. In Shirley’s case she loses access to $500,000 of investments and the $30,000 a year of income they earn and in return, she gets an increase in her pension of around $23,000 a year after five years.</p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>Sometimes people try to gift an inheritance; it’s quite common where one member of a couple passes away, leaving their assets to the other. The survivor decides they would prefer to give it to the children or grandchildren.</p><p>While the assets may never touch their bank account, it is still a gift – they were entitled to those assets and chose to give it to someone else.</p><p>The gifting rules can catch you even if you gift before moving into aged care or claiming age pension, with gifts made in the five years prior being considered at the time of assessment. While the intention of gifting is often to help family members, you need to make sure that you don’t rob Peter to pay Paul.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p><strong>Rachel Lane is the author of the bestselling book <em>Aged Care. Who Cares?</em> and <em>Downsizing Made Simple </em>with fellow finance expert Noel Whittaker. The new edition of <em>Downsizing Made Simple</em> is now available <a href="https://downsizingmadesimple.com.au/">online</a>.</strong></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers’ decisions about investing or financial products. They should always seek their own professional advice that takes into account their own personal circumstances before making any financial decisions.</strong></li></ul><p><b><i>Expert tips on how to save, invest and make the most of your money delivered to your inbox every Sunday. <a href="/link/follow-20170101-p5d9o2">Sign up for our Real Money newsletter</a>.</i></b></p></div></div><div class="noPrint"><div></div><div></div></div><div id="embedded-feedback"></div><div class="_22FRK _2spQv"><section class="aKWhn noPrint" id="endOfArticle"><div class="dLGbc"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://smh.myfairfax.com.au/channel/zHE9EWDHf1XPuz3Phk0YIg/members/signups/new?callback_uri=">register</a> or <a href="https://subscribe.smh.com.au/?promote_channel=HI_HL_GNL">subscribe</a> to save articles for later.</div></div><div class="_8Cum8"><a class="_4oUp_" href="https://professional.licensing-publishing.nine.com.au/C.aspx?VP3=CMS3&VF=FXJFXT_3">License this article</a></div><div class="ZFgNO"><ul class="_3Nz34"><li><a class="_2Tz1_" href="/topic/pension-60f">Pension</a></li><li><a class="_2Tz1_" href="/topic/Analysis-1qu">Analysis</a></li><li><a class="_2Tz1_" href="/topic/inheritance-hp7">Inheritance</a></li></ul></div></div></section><div class="_2Cg_3"><div class="iQMz1" hidden=""><div class="_1Oml5"><a class="_3NFLJ" title="Articles by Rachel Lane" href="/by/rachel-lane-p5373f">Rachel Lane</a> is author of the best-selling book Aged Care, Who Cares? and Downsizing Made Simple with fellow finance expert Noel Whittaker.</div></div></div><div class="noPrint"><section aria-busy="true" aria-live="polite" class="_2zaYr n422E" style="height:380px"><header class="_2qhpu"><h2 class="_2qhpu">Most Viewed in Money</h2></header><div class="_29X_Z"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div></section></div></div></div><aside class="_1ki1P noPrint"><div class="_2MFEO"><div class="_3DvAw noPrint" id="articlePartnerStories"><h3>From our partners</h3><div class="adWrapper _2lnjx"><div class="_2Tsxq" data-testid="sponsored-story-tile" id="adspot-native-6x2-pos1-desktop"><div class="_2bMG3"><div class="_1vxqb"><svg role="img" aria-labelledby="Loading 3rd party ad content" viewBox="0 0 206 116" preserveAspectRatio="none" ltr="true"><title>Loading 3rd party ad content</title><rect x="0" y="0" width="206" height="116" clip-path="url(#2nprd1h2yug)" style="fill:url(#zroz1cfg33)"></rect><defs><clipPath id="2nprd1h2yug"><rect height="116" rx="0" ry="0" width="206" x="0" y="4"></rect></clipPath><linearGradient id="zroz1cfg33"><stop offset="0%" stop-color="#f6f6f6" stop-opacity="1"><animate attributeName="offset" values="-2; -2; 1" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop><stop offset="50%" stop-color="#f0f0f0" stop-opacity="1"><animate attributeName="offset" values="-1; -1; 2" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop><stop offset="100%" stop-color="#f6f6f6" stop-opacity="1"><animate attributeName="offset" values="0; 0; 3" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop></linearGradient></defs></svg></div><div class="he87U"><svg role="img" style="height:100px;width:100%" aria-labelledby="Loading 3rd party ad content" viewBox="0 0 360 100" preserveAspectRatio="none" ltr="true"><title>Loading 3rd party ad content</title><rect x="0" y="0" width="360" height="100" clip-path="url(#06brmtcry45)" style="fill:url(#hgzfpg4pb28)"></rect><defs><clipPath id="06brmtcry45"><rect height="14" rx="2" ry="2" width="90" x="0" y="4"></rect><rect class="cH9H_" height="18" rx="2" ry="2" width="90%" x="0" y="34"></rect><rect class="_9d-2y" height="18" rx="2" ry="2" width="80%" x="0" y="56"></rect><rect class="_1k_M1" height="18" rx="2" ry="2" width="70%" x="0" y="78"></rect></clipPath><linearGradient id="hgzfpg4pb28"><stop offset="0%" stop-color="#f6f6f6" stop-opacity="1"><animate attributeName="offset" values="-2; -2; 1" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop><stop offset="50%" stop-color="#f0f0f0" stop-opacity="1"><animate attributeName="offset" values="-1; -1; 2" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop><stop offset="100%" stop-color="#f6f6f6" stop-opacity="1"><animate attributeName="offset" values="0; 0; 3" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop></linearGradient></defs></svg></div></div></div></div><div class="adWrapper _2lnjx"><div class="_1GUN5" data-testid="sponsored-story-tile" id="adspot-native-6x2-pos2-desktop"><div class="_2bMG3"><div class="_1vxqb"><svg role="img" aria-labelledby="Loading 3rd party ad content" viewBox="0 0 206 116" preserveAspectRatio="none" ltr="true"><title>Loading 3rd party ad content</title><rect x="0" y="0" width="206" height="116" clip-path="url(#j6i6x86iia)" style="fill:url(#0w8qpwa1o1h)"></rect><defs><clipPath id="j6i6x86iia"><rect height="116" rx="0" ry="0" width="206" x="0" y="4"></rect></clipPath><linearGradient id="0w8qpwa1o1h"><stop offset="0%" stop-color="#f6f6f6" stop-opacity="1"><animate attributeName="offset" values="-2; -2; 1" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop><stop offset="50%" stop-color="#f0f0f0" stop-opacity="1"><animate attributeName="offset" values="-1; -1; 2" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop><stop offset="100%" stop-color="#f6f6f6" stop-opacity="1"><animate attributeName="offset" values="0; 0; 3" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop></linearGradient></defs></svg></div><div class="he87U"><svg role="img" style="height:100px;width:100%" aria-labelledby="Loading 3rd party ad content" viewBox="0 0 360 100" preserveAspectRatio="none" ltr="true"><title>Loading 3rd party ad content</title><rect x="0" y="0" width="360" height="100" clip-path="url(#6w2lypdgogh)" style="fill:url(#4kuylkjlvd3)"></rect><defs><clipPath id="6w2lypdgogh"><rect height="14" rx="2" ry="2" width="90" x="0" y="4"></rect><rect class="cH9H_" height="18" rx="2" ry="2" width="90%" x="0" y="34"></rect><rect class="_9d-2y" height="18" rx="2" ry="2" width="80%" x="0" y="56"></rect><rect class="_1k_M1" height="18" rx="2" ry="2" width="70%" x="0" y="78"></rect></clipPath><linearGradient id="4kuylkjlvd3"><stop offset="0%" stop-color="#f6f6f6" stop-opacity="1"><animate attributeName="offset" values="-2; -2; 1" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop><stop offset="50%" stop-color="#f0f0f0" stop-opacity="1"><animate attributeName="offset" values="-1; -1; 2" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop><stop offset="100%" stop-color="#f6f6f6" stop-opacity="1"><animate attributeName="offset" values="0; 0; 3" keyTimes="0; 0.25; 1" dur="2s" repeatCount="indefinite"></animate></stop></linearGradient></defs></svg></div></div></div></div></div><div class="_1R0g5"><div class="sticky-outer-wrapper"><div class="sticky-inner-wrapper" style="position:relative;top:0px"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos4-desktop"></div></div></div></div></div></div></div></aside></section></article><div class="noPrint"></div></div></main><footer class="y77aF noPrint" data-testid="footer" id="footer"><div class="_39_V0"><div class="_3uPYr _2AynF"><a class="_2ABN- YClUs" href="/"><h2>The Sydney Morning Herald</h2></a></div><ul class="_2tZpI" data-testid="footer-socials"><li><a data-testid="footer-socials-link" href="https://twitter.com/smh" rel=" noopener noreferrer" target="_blank"><span>Twitter</span><svg aria-hidden="true" class="QMY9O" focusable="false" height="24px" width="24px"><use xlink:href="#icon-twitter"></use></svg></a></li><li><a data-testid="footer-socials-link" href="http://www.facebook.com/sydneymorningherald" rel="noopener noreferrer" target="_blank"><span>Facebook</span><svg aria-hidden="true" class="QMY9O" focusable="false" height="24px" width="24px"><use xlink:href="#icon-facebook"></use></svg></a></li><li><a data-testid="footer-socials-link" href="https://www.instagram.com/sydneymorningherald" rel="noopener noreferrer" target="_blank"><span>Instagram</span><svg aria-hidden="true" class="QMY9O" focusable="false" height="24px" width="24px"><use xlink:href="#icon-instagram"></use></svg></a></li><li><a data-testid="footer-socials-link" href="/rssheadlines" rel="noopener noreferrer" target="_blank"><span>RSS</span><svg aria-hidden="true" class="QMY9O" focusable="false" height="24px" width="24px"><use xlink:href="#icon-rss"></use></svg></a></li></ul><section class="_2cb-t"><nav class="_3WLzB" data-testid="footer-link-group"><h3 class="_2_Vga"><button class="_3amNM _17muu"><span class="_2g7Mb" data-testid="footer-link-group-heading">Our Sites</span><span class="_2hufO"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="12px"><use xlink:href="#icon-arrowsdown"></use></svg></span></button></h3><ul aria-expanded="false" class="_2q5mS" role="region"><li><a data-testid="footer-link" href="https://www.smh.com.au">The Sydney Morning Herald</a></li><li><a data-testid="footer-link" href="https://www.theage.com.au">The Age</a></li><li><a data-testid="footer-link" href="https://www.brisbanetimes.com.au">Brisbane Times</a></li><li><a data-testid="footer-link" href="https://www.watoday.com.au">WAtoday</a></li><li><a data-testid="footer-link" href="https://www.afr.com">The Australian Financial Review</a></li><li><a data-testid="footer-link" href="https://www.domain.com.au">Domain</a></li><li><a data-testid="footer-link" href="https://www.drive.com.au">Drive</a></li></ul></nav><nav class="_3WLzB" data-testid="footer-link-group"><h3 class="_2_Vga"><button class="_3amNM _17muu"><span class="_2g7Mb" data-testid="footer-link-group-heading">Classifieds</span><span class="_2hufO"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="12px"><use xlink:href="#icon-arrowsdown"></use></svg></span></button></h3><ul aria-expanded="false" class="_2q5mS" role="region"><li><a data-testid="footer-link" href="http://tributes.smh.com.au/obituaries/smh-au/">Tributes</a></li><li><a data-testid="footer-link" href="http://celebrations.smh.com.au/celebration/smh-au/">Celebrations</a></li><li><a data-testid="footer-link" href="https://advertisers.com.au">Place your ad</a></li><li><a data-testid="footer-link" href="https://www.commercialrealestate.com.au">Commercial Real Estate</a></li></ul></nav><nav class="_3WLzB" data-testid="footer-link-group"><h3 class="_2_Vga"><button class="_3amNM _17muu"><span class="_2g7Mb" data-testid="footer-link-group-heading">The Sydney Morning Herald</span><span class="_2hufO"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="12px"><use xlink:href="#icon-arrowsdown"></use></svg></span></button></h3><ul aria-expanded="false" class="_2q5mS" role="region"><li><a data-testid="footer-link" href="/contact-us">Contact & support</a></li><li><a data-testid="footer-link" href="https://www.nineforbrands.com.au/advertising-enquiries/">Advertise with us</a></li><li><a data-testid="footer-link" href="https://smh.myfairfax.com.au/members/lite_session/new?callback_uri=https%3A%2F%2Fsmh.myfairfax.com.au%2Fbeta%2Fmembers%2Fmy_account%2Fnewsletters%3Fchannel_key%3DzHE9EWDHf1XPuz3Phk0YIg%26callback_uri%3Dhttps%253A%252F%252Fwww.smh.com.au&channel_key=zHE9EWDHf1XPuz3Phk0YIg">Newsletters</a></li><li><a data-testid="footer-link" href="/siteguide/accessibility">Accessibility guide</a></li><li><a data-testid="footer-link" href="/siteguide">Sitemap</a></li><li><a data-testid="footer-link" href="https://consumer.licensing-publishing.nine.com.au">Photo sales</a></li><li><a data-testid="footer-link" href="https://thestore.com.au/products/custom-front-page">Purchase front pages</a></li><li><a data-testid="footer-link" href="https://professional.licensing-publishing.nine.com.au">Content licensing</a></li><li><a data-testid="footer-link" href="https://ninecareers.com.au/">Work with us</a></li><li><a data-testid="footer-link" href="https://login.nine.com.au/terms?client_id=smh">Terms of use</a></li><li><a data-testid="footer-link" href="https://login.nine.com.au/privacy?client_id=smh">Privacy policy</a></li><li><a data-testid="footer-link" href="https://www.presscouncil.org.au/what-we-do">Press Council</a></li><li><a data-testid="footer-link" href="/nine-publishing-charter-of-editorial-independence">Charter of Editorial Independence</a></li></ul></nav><nav class="_3WLzB" data-testid="footer-link-group"><h3 class="_2_Vga"><button class="_3amNM _17muu"><span class="_2g7Mb" data-testid="footer-link-group-heading">Products & Services</span><span class="_2hufO"><svg aria-hidden="true" class="QMY9O" focusable="false" height="1em" width="12px"><use xlink:href="#icon-arrowsdown"></use></svg></span></button></h3><ul aria-expanded="false" class="_2q5mS" role="region"><li><a data-testid="footer-link" href="https://subscribe.smh.com.au/?promote_channel=HI_FL_GNL">Subscription packages</a></li><li><a data-testid="footer-link" href="https://www.smh.com.au/myaccount">My account</a></li><li><a data-testid="footer-link" href="https://help.smh.com.au/hc/en-au">Subscriber FAQs</a></li><li><a data-testid="footer-link" href="https://www.smh.com.au/status">Delivery status</a></li><li><a data-testid="footer-todays-paper" data-ffx-event-action="cta click" data-ffx-event-attribute="footer" data-ffx-event-category="component" data-ffx-event-label="todays paper" data-ffx-hittype="event" href="/todays-newspaper">Today’s Paper</a></li><li><a data-ffx-event-action="cta click" data-ffx-event-attribute="footer" data-ffx-event-category="component" data-ffx-event-label="goodfood guide" data-ffx-hittype="event" data-testid="footer-link" href="/goodfood-guide">Good Food Guide</a></li><li><a title="Daily Puzzles & Crosswords" data-ffx-event-action="cta click" data-ffx-event-attribute="footer" data-ffx-event-category="component" data-ffx-event-label="puzzles" data-ffx-hittype="event" data-testid="footer-link" href="/puzzles">Daily Puzzles</a></li></ul></nav></section><div class="_1U4cI"><p>Copyright © 2024</p><div class="_1Z25A"><a class="_39qXI" href="https://subscribe.smh.com.au/?promote_channel=HI_FL_GNL">Subscribe</a></div></div></div></footer></div><script>window.GLOBAL_VARIABLES = JSON.parse("{\"ADKIT_URL\":\"https://adkit.9pub.io/2.1.0\",\"AD_VENDOR_SCRIPT_LOAD_URL\":\"https://securepubads.g.doubleclick.net/tag/js/gpt.js\",\"API\":{\"DOMAIN\":\"api.ffx.io\"},\"APP_VERSION\":\"1.1035.0\",\"AUTH_API\":{\"TIMEOUT\":\"5000\",\"URL\":\"https://api.platform.ink\"},\"BEYONDWORDS\":{\"PROJECT_ID\":\"34967\"},\"brand\":{\"canonicalShortSiteNamesWithHttpsSupport\":\"brisbanetimes,smh,theage\",\"city\":\"Sydney\",\"postcode\":\"2000\",\"hagridEndpoint\":\"https://smh.myfairfax.com.au\",\"image\":{\"height\":\"628\",\"url\":\"https://www.smh.com.au/smh.png\",\"width\":\"1200\"},\"longSiteName\":\"The Sydney Morning Herald\",\"shortSiteName\":\"smh\",\"copyrightName\":\"SMH\",\"social\":{\"facebook\":{\"appID\":\"193677504039845\",\"clientToken\":\"2204c28205dd72dfb8a7fb7100af8031\",\"pages\":\"104598631263,108603349088,144226982353442,1512741838937542,353068424784135,426728130834979,1461418204114271,136580726375560,413410748733288,941917672546382,1618026928452148,1517790158535620,555471264584252,374468399414748,144804532256845,1432569230378131\",\"site\":\"http://www.facebook.com/sydneymorningherald\"},\"instagram\":\"https://www.instagram.com/sydneymorningherald\",\"twitter\":{\"site\":\"https://twitter.com/smh\",\"user\":\"@smh\"}},\"subscription\":{\"url\":\"https://subscribe.smh.com.au/?promote_channel=HI_HL_GNL\"},\"timeZone\":\"Australia/Sydney\"},\"BRIGHTCOVE\":{\"ACCOUNT_ID\":\"3910869709001\",\"PLAYER_ID\":\"HylmeNWLjl\"},\"BUSINESS_WIDGET_SPONSOR_URL\":\"https://ad.doubleclick.net/ddm/trackclk/N7118.4053534NINEAU/B29993178.368494322;dc_trk_aid=559613476;dc_trk_cid=166608199;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=;dc_tdv=1\",\"CHUNK_MANIFEST_FETCH_THRESHOLD_MINUTES\":\"30\",\"COMMENTS_API\":\"https://api.ffx.io/api/comments\",\"COMMENTS_METRO_API_URL\":\"https://comments-publishing.nine.com.au\",\"CONTENT_API\":{\"TIMEOUT\":\"10000\",\"URL\":\"https://api.smh.com.au\"},\"COOKIES\":{\"MAX_LENGTH\":\"4096\",\"PRESERVE\":\"ffx:socialLoginProvider,digital-edition-access,afx_profile,afx_profile_da_hs,afx_profile_hs\"},\"DEPLOY_ENV\":\"production\",\"DGAM\":{\"ID\":\"133009657\",\"VIDEO_CONTENT_SOURCE_ID\":\"2667286\"},\"ELECTION_ID_FEDERAL_2022\":\"ZWxlY3Rpb246IjEi\",\"ELECTION_NAME_VICTORIA_2018\":\"Victorian State Election 2018\",\"ELECTION_NAME_VICTORIA_2022\":\"Victorian State Election 2022\",\"ELECTION_NAME_NSW_2019\":\"NSW State Election 2019\",\"ELECTION_NAME_NSW_2023\":\"NSW State Election 2023\",\"experiments\":{\"enabled\":\"true\",\"simpleMode\":\"true\",\"simpleModeAllocationInlinePaywall\":\"0.1\"},\"FRONT_API\":{\"TIMEOUT\":\"10000\",\"URL\":\"https://api.smh.com.au/graphql\",\"URL_AUDIENCE\":\"https://api.smh.com.au/api/content-audience/metro/graphql\"},\"GOOGLE_ANALYTICS\":{\"CONTAINER_ID\":\"GTM-TCMZ2X6\",\"PROPENSITY_ID\":\"4387748\"},\"GOOGLE_ACCOUNT_LINKING\":{\"CLIENT_ID\":\"d3807316a01fa3515cb1b3f75162511e\",\"PROJECT_ID\":\"smh-social-login-prod-env\"},\"GOOGLE_MAPS_API_KEY\":\"AIzaSyAyesbQMyKVVbBgKVi2g6VX7mop2z96jBo\",\"HOME_PAGE_REFRESH_COOKIE_MAX_AGE\":\"0.0007\",\"HOME_PAGE_REFRESH_COOKIE_NAME\":\"autoRefresh\",\"HOME_PAGE_REFRESH_TIMEOUT\":\"300000\",\"IDENTIFICATION\":{\"ACCOUNT_BILLING_URL\":\"https://smh.myfairfax.com.au/beta/members/my_account/billing_details?ret_nt=true&channel_key=zHE9EWDHf1XPuz3Phk0YIg\",\"ACCOUNT_DETAILS_URL\":\"https://smh.myfairfax.com.au/beta/members/my_account?channel_key=zHE9EWDHf1XPuz3Phk0YIg\",\"DEVICE_ID_STORAGE_NAME\":\"ffxDeviceID\",\"FORGOTTEN_PASSWORD_URL\":\"https://smh.myfairfax.com.au/members/password/forget_password?callback_uri=<REPLACE_ME>&channel_key=zHE9EWDHf1XPuz3Phk0YIg\",\"MEMBER_DETAILS_STORAGE_NAME\":\"ffx-member-details\",\"MEMBER_LOGGED_OUT_STORAGE_NAME\":\"ffx-member-logged-out\",\"NINE_UID_STORAGE_NAME\":\"NUID\",\"REGISTRATION_URL\":\"https://smh.myfairfax.com.au/channel/zHE9EWDHf1XPuz3Phk0YIg/members/signups/new?callback_uri=<REPLACE_ME>\"},\"IMAGE_RENDITION_URL_PREFIX\":\"https://static.ffx.io/images\",\"LAZYLOAD_AD\":{\"FETCH_MARGIN\":\"3\",\"MOBILE_SCALING\":{\"ARTICLE\":\"1.25\",\"HOMEPAGE\":\"2\"},\"RENDER_MARGIN\":\"1\"},\"LOCALSTORAGE_CLEANER\":{\"CLEAN_LIST\":\"snowplowOutQueue_\",\"MAX_SIZE\":\"512000\"},\"LOGGING_MINIMUM_LOG_LEVEL\":\"error\",\"LOGGING_SOURCE\":\"render-web\",\"LOGGING_URL\":\"https://l.ffx.io\",\"MARKETING_CONVERSION_TAGS\":{\"BING_CONVERSION_ID\":\"4010841\",\"FACEBOOK_CONVERSION_ID\":\"879107572176501\",\"GOOGLE_FLOODLIGHT_CONVERSION_ID\":\"6588526\"},\"MAX_PAGE_VIEW_BEFORE_RELOAD\":10,\"MEMBER_AUTH_API\":{\"TIMEOUT\":\"5000\",\"URL\":\"https://api.smh.com.au\"},\"NEWSLETTER_API\":{\"CHANNEL_KEY\":\"zHE9EWDHf1XPuz3Phk0YIg\",\"ID\":\"40\",\"LOGIN_CALLBACK_URL\":\"https://smh.myfairfax.com.au\",\"LOGOUT_CALLBACK_URL\":\"https://www.smh.com.au\",\"SIGNUP_CHANNEL_KEY\":\"zHE9EWDHf1XPuz3Phk0YIg\",\"TIMEOUT\":\"20000\",\"URL\":\"https://smh.myfairfax.com.au\"},\"NINE_NOW_API\":{\"TIMEOUT\":\"5000\",\"URL\":\"https://api.9now.com.au\"},\"NINE_SSO\":{\"LOGIN_SERVICE_URL\":\"https://login.nine.com.au\"},\"NIELSEN\":{\"BRAND\":{\"APPID\":\"P0257F3A0-0603-4935-A804-61A17825709E\",\"ASN\":\"smh.com.au-brand only\",\"SEGB\":\"Sydney Morning Herald - Homepage\",\"VCID\":\"b17\"},\"BUSINESS\":{\"APPID\":\"P12B44888-0718-421A-A221-50F258CB6AC5\",\"ASN\":\"smh.com.au-business\",\"SEGB\":\"Sydney Morning Herald - Business\",\"VCID\":\"c19\"},\"CULTURE\":{\"APPID\":\"P11034643-B88B-4F1F-B2EF-EACCDF50D7C1\",\"ASN\":\"smh.com.au-culture\",\"SEGB\":\"Sydney Morning Herald - Culture\",\"VCID\":\"c20\"},\"ENTERTAINMENT\":{\"APPID\":\"P11034643-B88B-4F1F-B2EF-EACCDF50D7C1\",\"ASN\":\"smh.com.au-entertainment\",\"SEGB\":\"Sydney Morning Herald - Entertainment\",\"VCID\":\"c20\"},\"ENVIRONMENT\":{\"APPID\":\"PF55A4F2D-F567-4767-9991-7BD28C963C6B\",\"ASN\":\"smh.com.au-environment\",\"SEGB\":\"Sydney Morning Herald - News\",\"VCID\":\"c300\"},\"GOODWEEKEND\":{\"APPID\":\"PFA6EC220-58E7-4FE2-9A59-EA38BA5A80F3\",\"ASN\":\"smh.com.au-goodweekend\",\"VCID\":\"c124\"},\"LIFESTYLE\":{\"APPID\":\"PC6890C6A-5F7C-4E24-B507-8E32FC9CE25B\",\"ASN\":\"smh.com.au-lifestyle\",\"SEGB\":\"Sydney Morning Herald - Lifestyle\",\"VCID\":\"c21\"},\"MONEY\":{\"APPID\":\"PB4407DB3-5E0F-4B84-B5BC-58D7C19362E6\",\"ASN\":\"smh.com.au-money\",\"SEGB\":\"Sydney Morning Herald - Money\",\"VCID\":\"c301\"},\"NATIONAL\":{\"APPID\":\"P678BBBC1-0C6B-4001-B950-9BD2349A6B17\",\"ASN\":\"smh.com.au-national\",\"SEGB\":\"Sydney Morning Herald - News\",\"VCID\":\"c298\"},\"POLITICS\":{\"APPID\":\"P9D9C6AE2-E74D-4E18-BFBD-F164F80A81D6\",\"ASN\":\"smh.com.au-politics\",\"SEGB\":\"Sydney Morning Herald - News\",\"VCID\":\"c299\"},\"PROPERTY\":{\"APPID\":\"PF5073599-31A3-4F8A-98F7-B83D5B444D71\",\"ASN\":\"smh.com.au-property\",\"SEGB\":\"DR Combined\",\"VCID\":\"c285\"},\"SPORT\":{\"APPID\":\"P0FEEA4BB-433E-45B5-8DD8-5A0C2147B1A9\",\"ASN\":\"smh.com.au-sport\",\"SEGB\":\"Sydney Morning Herald - Sport\",\"VCID\":\"c22\"},\"TECHNOLOGY\":{\"APPID\":\"P03FE378D-ABAD-4C00-B3A0-A295059224BB\",\"ASN\":\"smh.com.au-technology\",\"SEGB\":\"Sydney Morning Herald - Technology\",\"VCID\":\"c23\"},\"TV\":{\"APPID\":\"PB085256F-468D-443E-99F1-DDD24D9B51F0\",\"ASN\":\"smh.com.au-tv\",\"VCID\":\"c84\"},\"WORLD\":{\"APPID\":\"P455839AC-95DF-4ED7-8966-E66F3202718E\",\"ASN\":\"smh.com.au-world\",\"SEGB\":\"Sydney Morning Herald - News\",\"VCID\":\"c307\"}},\"PAGESUITE\":{\"AUTH_URL\":\"https://auth-edition.smh.com.au\",\"DIGITAL_EDITIONS\":{},\"DOMAIN_MAGAZINE\":{\"GUID\":\"e8a7be43-4be8-40a2-968e-d7329f096ebc\",\"SHORTCODE\":\"SYD408\"},\"GOODFOOD_GUIDE\":{\"GUID\":\"5aba506b-9696-42c0-a7da-0d257c5d7ac6\",\"SHORTCODE\":\"SYD408\"},\"TODAYS_PAPER\":{\"GUID\":\"25250be9-a077-41bb-9088-76d5ca0e3f5c\",\"SHORTCODE\":\"SYD408\"},\"URL\":\"https://edition.smh.com.au\"},\"PAGE_BUILDER\":{\"ENABLED\":false,\"SCRIPT\":null,\"VARIABLES\":{\"AUTHOR_PROFILE_URL\":null,\"BRAND_NAME\":\"smh\",\"CONTENT_API_TIMEOUT\":\"5000\",\"CONTENT_API_URL\":null,\"DEPLOY_ENV\":null,\"EDITORIAL_TOOLS_HOST\":null,\"FRONT_API_URL\":null,\"FRONT_INTERNAL_API_URL\":null,\"FRONT_INTERNAL_API_WS_URL\":null,\"IMAGES_URL\":null,\"IMAGE_RENDITION_URL_PREFIX\":\"https://static.ffx.io/images\",\"INDICATOR_ENV\":null,\"MEDIA_API_URL\":null,\"LOGGING_MINIMUM_LOG_LEVEL\":\"error\",\"LOGGING_URL\":\"https://l.ffx.io\",\"NEWSROOMS\":null,\"NEWSROOM_ID\":null,\"NOTIFICATIONS_URL\":null,\"PLANNING_URL\":null,\"SNOWPLOW_ENDPOINT\":\"i.ffx.io\",\"STYLEGUIDE_URL\":null,\"TAG_URL\":null,\"TIMEZONE\":null,\"VIDEO_URL\":null,\"WIRES_URL\":null,\"WP_URL\":null}},\"PAYWALL\":{\"APP_ACCESS_PREMIUM_SUB_STORAGE_NAME\":\"appSubReader\",\"APP_ACCESS_STORAGE_NAME\":\"appReader\",\"APP_ACCESS_SUB_STORAGE_NAME\":\"appSubReader\",\"COUNT_STORAGE_NAME\":\"paywallCount\",\"COUNTED_ASSETS_STORAGE_NAME\":\"paywallCountedAssets\",\"ENABLED\":\"true\",\"METERED_COUNT_STORAGE_NAME\":\"meteredAssetCount\",\"METERED_COUNTED_ASSETS_STORAGE_NAME\":\"meteredCountedAssets\",\"MONTHLY_ROLLOVER_DATE_DAYS\":30,\"REFERRER_COUNT_STORAGE_NAME\":\"paywallReferrerCount\",\"REFERRER_DOMAIN_STORAGE_EXPIRES_HOURS\":1,\"REFERRER_DOMAIN_STORAGE_NAME\":\"paywallReferrerDomain\",\"REFERRER_ROLLOVER_DATE_DAYS\":1,\"RESET_REGISTRATION_PAYWALL_STORAGE_NAME\":\"resetRegistrationPaywall\",\"SILENT_METERING\":\"false\"},\"PIANO\":{\"CXENSE_SITE_ID\":\"5857297002488534781\",\"ENDPOINT\":\"https://buy-au.piano.io/api/v3\",\"ID\":\"cVFzHR9Qpa\",\"IS_SANDBOX\":\"false\"},\"SIMPLE_REACH\":{\"PID\":\"54c16760371c84291c00014e\",\"URL\":\"https://d8rk54i4mohrb.cloudfront.net/js/reach.js\"},\"SNOWPLOW\":{\"ALIB_ENDPOINT\":\"t.smh.com.au\",\"APPID\":\"smh-web\",\"ENDPOINT\":\"i.ffx.io\",\"SCHEMA\":\"iglu:au.com.fairfaxmedia/metadata/jsonschema/1-0-7\",\"TRACKER\":\"ffx\",\"URL\":\"//d2uhnetoehh304.cloudfront.net/2.18.2/sp.js\"},\"SUBSCRIPTION_NOTIFICATIONS\":{\"SESSION_EXPIRY_IN_MS\":1800000},\"swgConfig\":{\"clientId\":\"589384154045-p5vk6p2adh6l4p13n8rfjtbsfqu8gbn5.apps.googleusercontent.com\",\"enabled\":\"true\",\"premiumProductId\":\"smh.com.au:alldigital\",\"productId\":\"smh.com.au:webonly\",\"sku\":\"monthly_webbasic_y23\",\"upgradeSku\":\"monthly_webonly,monthly_webbasic_y22,monthly_webbasic_y23,monthly_google_news,monthly_googlenews_y22,monthly_googlenews_y23\"},\"TODAYS_PAPER\":\"true\",\"PLATFORM\":\"BROWSER\"}");</script><script>window.INITIAL_STATE = JSON.parse("{\"accountPreferences\":{\"autoplay\":null,\"isLoaded\":false,\"isLoading\":false},\"analytics\":{\"data\":{\"assetId\":\"p5krrk\",\"category\":[\"Money\",\"Planning & budgeting\"],\"type\":\"article\"},\"event\":\"loadAsset\"},\"app\":{\"appMounted\":false,\"totalPageView\":1},\"article\":{\"externalReferral\":null,\"fontSize\":\"normal\"},\"articleRendering\":{\"isTruncatedView\":false},\"assetsPagination\":{\"assets\":[],\"isLoading\":false,\"pageInfo\":{\"hasNextPage\":false}},\"comments\":{\"asset\":null,\"isDirectLoad\":false,\"isEntered\":false,\"isScrolling\":false,\"isVisible\":false},\"crosswords\":{\"crossword\":null,\"summary\":null},\"dataLayerHybrid\":{\"isReady\":false,\"updateCause\":{\"breakpointChanged\":false,\"initialLoad\":false,\"urlChanged\":false,\"userChanged\":false,\"refreshFinishes\":false,\"showingMoreLiveArticle\":false}},\"delivery\":{\"data\":{}},\"election\":{\"electorates\":null,\"partyVotes\":null,\"seatsWon\":null},\"experiment\":{},\"featureFlags\":{\"flags\":{\"experiment.render-web.ad-block-prompt\":false,\"experiment.render-web.inline-paywall\":false,\"experiment.render-web.none\":false,\"experiment.render-web.2-step-registration-wall\":false,\"experiment.render-web.user-data-collection-during-verification\":true,\"perm.render-web.adfixus.enabled\":true,\"perm.render-web.ads.auto-refresh\":false,\"perm.render-web.account-linking.unavailable\":false,\"perm.render-web.adblock.prompt\":false,\"perm.render-web.ad.lazyload-desktop-native-6x2\":false,\"perm.render-web.ad.lazyload-desktop-native-6x5\":false,\"perm.render-web.ad.lazyload-desktop-pos-2\":false,\"perm.render-web.ad.lazyload-desktop-pos-3\":false,\"perm.render-web.ad.lazyload-desktop-pos-4\":false,\"perm.render-web.ad.lazyload-desktop-pos-5\":false,\"perm.render-web.ad.lazyload-desktop-pos-6\":false,\"perm.render-web.ad.lazyload-desktop-pos-7\":false,\"perm.render-web.ad.lazyload-desktop-pos-8\":false,\"perm.render-web.ad.lazyload-desktop-pos-9\":false,\"perm.render-web.ad.lazyload-desktop-pos-x\":false,\"perm.render-web.ad.lazyload-homepage-desktop-native-6x5\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-2\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-3\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-4\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-5\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-6\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-7\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-8\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-9\":false,\"perm.render-web.ad.lazyload-homepage-desktop-pos-x\":false,\"perm.render-web.ad.lazyload-live-article-desktop-native-6x5\":false,\"perm.render-web.ad.lazyload-live-article-desktop-pos-2\":false,\"perm.render-web.ad.lazyload-live-article-desktop-pos-3\":false,\"perm.render-web.ad.lazyload-mobile-native-6x2\":false,\"perm.render-web.ad.lazyload-mobile-native-6x5\":false,\"perm.render-web.ad.lazyload-mobile-pos-2\":false,\"perm.render-web.ad.lazyload-mobile-pos-3\":false,\"perm.render-web.ad.lazyload-mobile-pos-4\":false,\"perm.render-web.ad.lazyload-mobile-pos-5\":false,\"perm.render-web.ad.lazyload-mobile-pos-6\":false,\"perm.render-web.ad.lazyload-mobile-pos-7\":false,\"perm.render-web.ad.lazyload-mobile-pos-8\":false,\"perm.render-web.ad.lazyload-mobile-pos-9\":false,\"perm.render-web.ad.lazyload-mobile-pos-x\":false,\"perm.render-web.ad.lazyload-homepage-mobile-native-6x5\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-2\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-3\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-4\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-5\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-6\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-7\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-8\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-9\":false,\"perm.render-web.ad.lazyload-homepage-mobile-pos-x\":false,\"perm.render-web.ad.lazyload-live-article-mobile-native-6x5\":false,\"perm.render-web.ad.lazyload-live-article-mobile-pos-2\":false,\"perm.render-web.ad.lazyload-live-article-mobile-pos-3\":false,\"perm.render-web.ad.lazyload-tablet-native-6x2\":false,\"perm.render-web.ad.lazyload-tablet-native-6x5\":false,\"perm.render-web.ad.lazyload-tablet-pos-2\":false,\"perm.render-web.ad.lazyload-tablet-pos-3\":false,\"perm.render-web.ad.lazyload-tablet-pos-4\":false,\"perm.render-web.ad.lazyload-tablet-pos-5\":false,\"perm.render-web.ad.lazyload-tablet-pos-6\":false,\"perm.render-web.ad.lazyload-tablet-pos-7\":false,\"perm.render-web.ad.lazyload-tablet-pos-8\":false,\"perm.render-web.ad.lazyload-tablet-pos-9\":false,\"perm.render-web.ad.lazyload-tablet-pos-x\":false,\"perm.render-web.ad.lazyload-homepage-tablet-native-6x5\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-2\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-3\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-4\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-5\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-6\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-7\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-8\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-9\":false,\"perm.render-web.ad.lazyload-homepage-tablet-pos-x\":false,\"perm.render-web.ad.lazyload-live-article-tablet-native-6x5\":false,\"perm.render-web.ad.lazyload-live-article-tablet-pos-2\":false,\"perm.render-web.ad.lazyload-live-article-tablet-pos-3\":false,\"perm.render-web.ad.vendor-script-enabled\":true,\"perm.render-web.ads.enable-adblock\":false,\"perm.render-web.ads.enable-admiral\":true,\"perm.render-web.ads.enable-amazon\":true,\"perm.render-web.ads.enable-blockthrough\":false,\"perm.render-web.ads.enable-lazyload\":true,\"perm.render-web.ads.enable-magnite\":true,\"perm.render-web.ads.enable-mantis\":true,\"perm.render-web.ads.enable-pubmatic\":false,\"perm.render-web.ads.enable-snowplow\":false,\"perm.render-web.alib.enable\":false,\"perm.render-web.alib.enable-chartbeat\":false,\"perm.render-web.alib.enable-ga\":false,\"perm.render-web.alib.enable-snwoplow\":false,\"perm.render-web.afl-index.popular-content-unit\":true,\"perm.render-web.afl.third-party-widget\":true,\"perm.render-web.article.comments\":true,\"perm.render-web.article.disable-facebook\":false,\"perm.render-web.article.disable-google-maps\":false,\"perm.render-web.article.disable-infogram\":false,\"perm.render-web.article.disable-instagram\":false,\"perm.render-web.article.disable-omny\":false,\"perm.render-web.article.disable-scribd\":false,\"perm.render-web.article.disable-spotify\":false,\"perm.render-web.article.disable-tiktok\":false,\"perm.render-web.article.disable-twitter\":false,\"perm.render-web.article.disable-youtube\":false,\"perm.render-web.article.lazy-load.iframes\":true,\"perm.render-web.article.popular-content-unit\":true,\"perm.render-web.article.pos2-mrec\":true,\"perm.render-web.article.prefetch-scripts\":true,\"perm.render-web.article.scoreboard-afl\":true,\"perm.render-web.article.scoreboard-cricket\":true,\"perm.render-web.article.scoreboard-nrl\":true,\"perm.render-web.article.scoreboard-rugby-union\":true,\"perm.render-web.article.top-message.9now-cta\":true,\"perm.render-web.article.truncation.enabled\":false,\"perm.render-web.australian-open.live-scores-cta\":false,\"perm.render-web.australian-open.live-video\":false,\"perm.render-web.beyondwords-disabled\":false,\"perm.render-web.beyondwords-audio-player-midroll-ads.enabled\":true,\"perm.render-web.beyondwords-audio-player-vast-url.enabled\":true,\"perm.render-web.business-index.popular-content-unit\":true,\"perm.render-web.business-index.stock-ticker\":true,\"perm.render-web.business-index.widgets\":true,\"perm.render-web.business-index.widgets-sponsor\":true,\"perm.render-web.city-index.popular-content-unit\":true,\"perm.render-web.collections-driver.article\":false,\"perm.render-web.comments-disabled\":false,\"perm.render-web.confirmation-panel.conversion-tags\":true,\"perm.render-web.content-unit.scoreboard-afl\":true,\"perm.render-web.content-unit.scoreboard-cricket\":true,\"perm.render-web.content-unit.scoreboard-nrl\":true,\"perm.render-web.content-unit.scoreboard-rugby-union\":true,\"perm.render-web.coronavirus-hospital-widget\":false,\"perm.render-web.coronavirus-hospital-widget-graph\":false,\"perm.render-web.coronavirus-hospital-widget-link\":false,\"perm.render-web.coronavirus-widgets-homepage\":false,\"perm.render-web.coronavirus-widgets-live-article\":false,\"perm.render-web.coronavirus-widgets-topic-pages\":false,\"perm.render-web.cricket-index.scorecard\":true,\"perm.render-web.disable-todays-paper-auth\":false,\"perm.render-web.domain-app-download-widget\":true,\"perm.render-web.domain-listings-widget\":true,\"perm.render-web.domain-magazine.unavailable\":false,\"perm.render-web.domain-membership-widget\":true,\"perm.render-web.domain-home-loans-calculator-widget\":true,\"perm.render-web.domain.recommended-listings\":true,\"perm.render-web.entertainment-index.popular-content-unit\":true,\"perm.render-web.election.current-results-index\":true,\"perm.render-web.election.electorate\":true,\"perm.render-web.election.electorates-list\":true,\"perm.render-web.election.latest-seats-called\":true,\"perm.render-web.election.party-votes\":true,\"perm.render-web.election.seats-won\":false,\"perm.render-web.goodfood-guide.unavailable\":false,\"perm.render-web.higher-education-page-partner-stories.enabled\":true,\"perm.render-web.homepage.adspot-5\":true,\"perm.render-web.homepage.adspot-6\":true,\"perm.render-web.homepage.adspot-7\":true,\"perm.render-web.homepage.adspot-8\":true,\"perm.render-web.homepage.adspot-9\":true,\"perm.render-web.homepage.adspot-10\":true,\"perm.render-web.homepage.adspot-11\":true,\"perm.render-web.homepage.lazy-load.iframes\":true,\"perm.render-web.homepage.popular-content-unit\":true,\"perm.render-web.homepage.prefetch-scripts\":true,\"perm.render-web.homepage.scroll-depth\":true,\"perm.render-web.homepage.strip-enabled\":false,\"perm.render-web.lifestyle-index.popular-content-unit\":true,\"perm.render-web.live-article.market-data-widget\":true,\"perm.render-web.live-article.scoreboard-refresh\":true,\"perm.render-web.live-article.state-of-origin-widget\":false,\"perm.render-web.live-article.state-of-origin-widget-video\":false,\"perm.render-web.localstorage.cleaner.enabled\":true,\"perm.render-web.login.apple-option\":true,\"perm.render-web.login.google-option\":true,\"perm.render-web.member-services.force-disabled\":false,\"perm.render-web.money-index.popular-content-unit\":true,\"perm.render-web.national-index.popular-content-unit\":true,\"perm.render-web.native-advertising\":true,\"perm.render-web.nrl-index.popular-content-unit\":true,\"perm.render-web.nrl.third-party-widget\":true,\"perm.render-web.outbrain\":true,\"perm.render-web.outbrain-tracking\":true,\"perm.render-pagebuilder.beta-testing\":false,\"perm.disable-ink-access\":false,\"perm.api-auth.login.bypass\":false,\"perm.render-web.bt.paywall.promotions\":true,\"perm.render-web.smh.paywall.promotions\":false,\"perm.render-web.theage.paywall.promotions\":false,\"perm.render-web.watoday.paywall.promotions\":false,\"perm.render-web.paywall.tag-exclusions\":true,\"perm.render-web.paywall.tag-exclusions-nsw-floods\":true,\"perm.render-web.paywall.tag-exclusions-vic-floods\":true,\"perm.render-web.piano.enabled\":true,\"perm.render-web.piano.homepage-strip.enabled\":false,\"perm.render-web.politics-index.popular-content-unit\":true,\"perm.render-web.premium-paywall-promotions\":false,\"perm.render-web.qualtrics-embedded-feedback\":true,\"perm.render-web.qualtrics-site-intercept\":true,\"perm.render-web.registration-wall\":true,\"perm.render-web.registration-wall.supress-verification-modal\":false,\"perm.render-web.resolve-political-monitor-cta.politics-cu\":false,\"perm.render-web.resolve-political-monitor-cta.section-pages\":false,\"perm.render-web.rugby-union-index.popular-content-unit\":true,\"perm.render-web.rugby-union.third-party-widget\":true,\"perm.render-web.save-for-later\":true,\"perm.render-web.save-onboarding-part-1\":true,\"perm.render-web.save-onboarding-part-2\":true,\"perm.render-web.snowplow.page.view\":true,\"perm.render-web.sport-index.popular-content-unit\":true,\"perm.render-web.state-index.popular-content-unit\":true,\"perm.render-web.styled-components-ssr\":true,\"perm.render-web.subscriber-notification\":true,\"perm.render-web.swg-entitlement\":true,\"perm.render-web.swg-purchase\":true,\"perm.render-web.tennis-live-scores-links\":true,\"perm.render-web.todays-paper.unavailable\":false,\"perm.render-web.travel.popular-content-unit\":true,\"perm.render-web.weather\":true,\"perm.render-web.world-index.popular-content-unit\":true,\"temp.render-web.article.audio-experiment\":true,\"temp.render-web.beyondwords-accordion-disabled\":true,\"temp.render-web-metro.goodfood.coral-8-comments\":true,\"temp.render-web.dgam-adserver.enabled\":true,\"temp.render-web.europa.prioritise-load\":false,\"temp.render-web.ga4.pageview-enabled\":true,\"temp.render-web.hard-refresh-if-new-release-available\":false,\"temp.render-web.liar-liar.long-playlist\":true,\"temp.render-web.cookie.cleaner.enabled\":true,\"temp.render-web.nine-sso.callback.enabled\":false,\"temp.render-web.pagesuite-enabled\":true,\"temp.render-web.piano-homepage-header-button.enabled\":true,\"temp.render-web.log-piano-conversion.enabled\":false,\"temp.render-web.piano.member-details.enabled\":true,\"temp.render-web.piano-premium-paywall\":true,\"temp.render-web.pong-su-index.v2\":true,\"temp.render-web.puzzles.mini-crossword\":false,\"temp.render-web.referendum.iframe\":true,\"temp.render-web.resolve-political-monitor.homepage-widget\":false,\"temp.render-web.search-improvements\":true,\"temp.render-web.snowplow.gcp-enabled\":false,\"temp.render-web.sticky-billboard-ads\":true,\"temp.render-web.swg-check-entitlement\":true,\"temp.render-web.swg-prompt-disabled.brisbanetimes\":false,\"temp.render-web.swg-prompt-disabled.watoday\":false,\"temp.render-web.the-age-170-years\":true,\"temp.render-web.traveller.onboarding-banner\":false,\"temp.render-web.united-cup.live-video\":true,\"temp.render-web.us-election-article-widgets.enabled\":false,\"temp.render-web.us-elections-2024-category-page-widget.enabled\":false,\"temp.render-web.us-elections-2024-homepage-widget.enabled\":false,\"temp.render-web.us-elections-2024-index.enabled\":false,\"temp.render-web.us-elections-2024-index-page-widget.enabled\":false,\"temp.render-web.us-election-widgets-iframe.enabled\":true}},\"header\":{\"isSticky\":false},\"identification\":{\"deviceID\":null,\"nineUniqueID\":null,\"pendingVerify\":null,\"refreshTrigger\":false,\"session\":null,\"token\":null,\"user\":null},\"iframe\":{},\"liveArticle\":{\"keyPosts\":[],\"morePosts\":false,\"newPosts\":[],\"posts\":[],\"pageInfo\":null,\"pinnedPosts\":[]},\"loadingBar\":0,\"location\":null,\"login\":{\"emailAddress\":\"\",\"isLoggedIn\":false,\"isVisible\":false,\"justLoggedIn\":false,\"justLoggedInAction\":\"\",\"loginAction\":\"\",\"showModal\":\"none\",\"swgEntitlementStatus\":null},\"meterPrompt\":{\"isVisible\":false,\"limit\":0},\"myAccount\":{\"isVisible\":false},\"page\":{\"/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html\":{\"asset\":{\"ads\":{\"suppress\":false},\"assetType\":\"article\",\"categories\":[\"Money\",\"Planning & budgeting\"],\"categoryId\":36,\"asset\":{\"about\":\"While the intention of gifting is often to help family members, you need to make sure that you don\\u2019t rob Peter to pay Paul.\",\"allowComments\":true,\"body\":\"<p>It\\u2019s that time of year when people start thinking about gifting. We are not talking about socks, perfume or movie tickets, we\\u2019re talking about gifting a significant amount of money or assets \\u2013 enough it would impact your pension or aged care costs. Before you gift, here\\u2019s what you should consider.</p><p>If you receive a means-tested pension such as the age pension, or you (or your partner) are receiving aged care then if you make (or receive) a gift you will need to disclose it to Services Australia. Whether you are a single or a couple, the allowable gifting amount is $10,000 in a financial year and $30,000 in five financial years.</p><x-placeholder id=\\\"f7ba0fa77917001b54b30bcdb5ad483ae1a7ef5d\\\"></x-placeholder><p>Gifts above the allowed amounts are considered a \\u201Cdeprived asset\\u201D which are counted as assets and deemed to earn income for pension and aged care, just like they are in your investments, for five years. After that time, they stop being assessed.</p><p>Gifts can be obvious \\u2013 giving cash is typical \\u2013 but it can also be a gift if you transfer an asset for less than market value. This can happen when cars and properties are transferred for less than they are worth. Under these circumstances, the difference between the market value and the amount paid is a gift.</p><p>Let\\u2019s say Shirley owns her home, she has $10,000 of personal assets, $600,000 of investments which earn $30,000 a year, and she receives $6666 a year of pension. Shirley decides to gift $500,000 from her investments to her children and grandchildren.</p><p>Assuming she has not gifted before, she can gift $10,000. The other $490,000 will be considered a deprived asset, included in her assets and deemed to earn income for the next five years.</p><x-placeholder id=\\\"08d009e5afb6733775e0e5f891c4796ac0413d40\\\"></x-placeholder><p>Shirley has reduced her assets by $10,000 and her income by $225 per year, which would see her pension increase by $780 a year. In five years the $490,000 will no longer be assessed and Shirley will be assessed on the $100,000 of investments she has left. At that time Shirley would receive around $30,000 a year in pension.</p><p>Many people wrongly believe that gifting causes you to lose pension. In reality, gifting normally delays a pension increase. The exception is when you gift an asset that was exempt from means testing such as the family home, gifting it turns it into an assessable asset that is deemed to earn income.</p><p>The problem for many people is what they stand to gain in the future is not worth what they lose today. In Shirley\\u2019s case she loses access to $500,000 of investments and the $30,000 a year of income they earn and in return, she gets an increase in her pension of around $23,000 a year after five years.</p><x-placeholder id=\\\"5faf2bfd6a0253153fd7d5bd5b5f166c1fcb7902\\\"></x-placeholder><p>Sometimes people try to gift an inheritance; it\\u2019s quite common where one member of a couple passes away, leaving their assets to the other. The survivor decides they would prefer to give it to the children or grandchildren.</p><p>While the assets may never touch their bank account, it is still a gift \\u2013 they were entitled to those assets and chose to give it to someone else.</p><p>The gifting rules can catch you even if you gift before moving into aged care or claiming age pension, with gifts made in the five years prior being considered at the time of assessment. While the intention of gifting is often to help family members, you need to make sure that you don\\u2019t rob Peter to pay Paul.</p><p><strong>Rachel Lane is the author of the bestselling book <em>Aged Care. Who Cares?</em> and <em>Downsizing Made Simple </em>with fellow finance expert Noel Whittaker. The new edition of <em>Downsizing Made Simple</em> is now available <x-placeholder id=\\\"838edc466ca64f0b7fc9aaae987a7c24abf873fc\\\"></x-placeholder>.</strong></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers\\u2019 decisions about investing or financial products. They should always seek their own professional advice that takes into account their own personal circumstances before making any financial decisions.</strong></li></ul><p><b><i>Expert tips on how to save, invest and make the most of your money delivered to your inbox every Sunday. <x-placeholder id=\\\"53454c7706cf3bc0f4fcb8662aaa875dc16b886c\\\"></x-placeholder>.</i></b></p>\",\"bodyPlaceholders\":{\"08d009e5afb6733775e0e5f891c4796ac0413d40\":{\"data\":{\"markup\":\"<p>While the intention of gifting is often to help family members, you need to make sure that you don\\u2019t rob Peter to pay Paul.</p>\",\"quote\":\"While the intention of gifting is often to help family members, you need to make sure that you don\\u2019t rob Peter to pay Paul.\",\"quoteByline\":\"\",\"type\":\"pullquote\"},\"type\":\"quote\"},\"53454c7706cf3bc0f4fcb8662aaa875dc16b886c\":{\"data\":{\"id\":\"p5d9o2\",\"newTab\":false,\"noFollow\":false,\"text\":\"Sign up for our Real Money newsletter\"},\"type\":\"linkArticle\"},\"5faf2bfd6a0253153fd7d5bd5b5f166c1fcb7902\":{\"data\":{\"heading\":\"Another perspective\",\"id\":\"p5km8s\"},\"type\":\"relatedStory\"},\"838edc466ca64f0b7fc9aaae987a7c24abf873fc\":{\"data\":{\"newTab\":false,\"noFollow\":false,\"text\":\"online\",\"url\":\"https://downsizingmadesimple.com.au/\"},\"type\":\"linkExternal\"},\"f7ba0fa77917001b54b30bcdb5ad483ae1a7ef5d\":{\"data\":{\"altText\":\"\",\"aspect\":1.5,\"autoCrop\":false,\"caption\":\"Early inheritances are well and good, but make sure you don\\u2019t regret gifting away money you might have actually needed.\",\"credit\":\"Simon Letch\",\"cropWidth\":756,\"fileName\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"id\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"offsetX\":69,\"offsetY\":0,\"originalHeight\":null,\"originalWidth\":null,\"source\":\"Unknown\",\"zoom\":0.153},\"type\":\"image\"}},\"byline\":\"Rachel Lane\",\"closeComments\":false,\"headlines\":{\"headline\":\"Thinking of gifting the grandkids some money? Check this first\"},\"wordCount\":686},\"dates\":{\"created\":\"2024-11-18T23:44:56Z\",\"firstPublished\":\"2024-11-19T18:01:00Z\",\"imported\":\"2024-11-19T02:36:21.536652274Z\",\"modified\":\"2024-11-19T02:36:21Z\",\"published\":\"2024-11-19T18:01:00Z\",\"saved\":\"2024-11-19T02:36:21Z\"},\"editingState\":\"ready\",\"id\":\"p5krrk\",\"featuredImages\":{\"landscape16x9\":{\"data\":{\"aspect\":1.777778,\"caption\":\"Early inheritances are well and good, but make sure you don\\u2019t regret gifting away money you might have actually needed.\",\"credit\":\"Simon Letch\",\"cropWidth\":1059,\"fileName\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"id\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"offsetX\":0,\"offsetY\":0,\"source\":\"Unknown\",\"zoom\":0.181,\"age\":null,\"watermarkBrand\":null}},\"landscape3x2\":{\"data\":{\"aspect\":1.5,\"caption\":\"Early inheritances are well and good, but make sure you don\\u2019t regret gifting away money you might have actually needed.\",\"credit\":\"Simon Letch\",\"cropWidth\":756,\"fileName\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"id\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"offsetX\":84,\"offsetY\":0,\"source\":\"Unknown\",\"zoom\":0.1527}},\"portrait2x3\":{\"data\":{\"aspect\":0.666667,\"caption\":\"Early inheritances are well and good, but make sure you don\\u2019t regret gifting away money you might have actually needed.\",\"credit\":\"Simon Letch\",\"cropWidth\":378,\"fileName\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"id\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"offsetX\":300,\"offsetY\":0,\"source\":\"Unknown\",\"zoom\":0.1718}},\"square1x1\":{\"data\":{\"aspect\":1,\"caption\":\"Early inheritances are well and good, but make sure you don\\u2019t regret gifting away money you might have actually needed.\",\"credit\":\"Simon Letch\",\"cropWidth\":378,\"fileName\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"id\":\"d31336be3414fd710bfa39c0de67a22a8ddaddbb\",\"offsetX\":167,\"offsetY\":0,\"source\":\"Unknown\",\"zoom\":0.1146}}},\"label\":\"Analysis\",\"participants\":{\"authors\":[{\"bio\":\"Rachel Lane is author of the best-selling book Aged Care, Who Cares? and Downsizing Made Simple with fellow finance expert Noel Whittaker.\",\"id\":\"p5373f\",\"featuredImages\":{\"headshot\":{\"data\":{\"id\":\"f77cd292e6e302b5a85ded767851ae2714f69083\"}}},\"name\":\"Rachel Lane\",\"profiles\":[{\"avatar\":\"f77cd292e6e302b5a85ded767851ae2714f69083\",\"bio\":\"Rachel Lane is author of the best-selling book Aged Care, Who Cares? and Downsizing Made Simple with fellow finance expert Noel Whittaker.\",\"canonicalBrand\":\"smh\",\"newsroom\":\"metro\",\"public\":true,\"title\":\"Money contributor\"}],\"title\":\"Money contributor\"}]},\"publicState\":\"published\",\"seo\":{\"doNotIndex\":false,\"standout\":false,\"title\":\"Gifting money to family: pros and cons\"},\"social\":{\"doNotShare\":false},\"sourceCms\":{\"cmsType\":\"authoring\"},\"sources\":[{\"id\":\"fairfax-media-australia\",\"name\":\"Fairfax Media Australia\"}],\"storyFormat\":{\"layout\":\"analysis\",\"size\":\"medium\"},\"tags\":{\"invisible\":[{\"context\":\"Content\",\"description\":\"Just in\",\"displayName\":\"Just in\",\"id\":\"1qk\",\"name\":\"Just in\",\"slug\":\"\",\"urls\":{}}],\"primary\":{\"context\":\"Topic\",\"displayName\":\"Pension\",\"id\":\"60f\",\"name\":\"Pension\",\"slug\":\"pension\",\"urls\":{\"published\":{\"afr\":{\"path\":\"/topic/pension-60f\"},\"brisbanetimes\":{\"path\":\"/topic/pension-60f\"},\"canberratimes\":{\"path\":\"/topic/pension-60f\"},\"nine\":{\"path\":\"/topic/pension-60f\"},\"smh\":{\"path\":\"/topic/pension-60f\"},\"theage\":{\"path\":\"/topic/pension-60f\"},\"watoday\":{\"path\":\"/topic/pension-60f\"}}}},\"secondary\":[{\"context\":\"Content\",\"description\":\"National analysis\",\"displayName\":\"Analysis\",\"id\":\"1qu\",\"name\":\"Analysis\",\"slug\":\"Analysis\",\"urls\":{\"published\":{\"afr\":{\"path\":\"/topic/Analysis-1qu\"},\"brisbanetimes\":{\"path\":\"/topic/Analysis-1qu\"},\"canberratimes\":{\"path\":\"/topic/Analysis-1qu\"},\"nine\":{\"path\":\"/topic/Analysis-1qu\"},\"smh\":{\"path\":\"/topic/Analysis-1qu\"},\"theage\":{\"path\":\"/topic/Analysis-1qu\"},\"watoday\":{\"path\":\"/topic/Analysis-1qu\"}}}},{\"context\":\"Topic\",\"displayName\":\"Inheritance\",\"id\":\"hp7\",\"name\":\"Inheritance\",\"slug\":\"inheritance\",\"urls\":{\"published\":{\"afr\":{\"path\":\"/topic/inheritance-hp7\"},\"brisbanetimes\":{\"path\":\"/topic/inheritance-hp7\"},\"canberratimes\":{\"path\":\"/topic/inheritance-hp7\"},\"nine\":{\"path\":\"/topic/inheritance-hp7\"},\"smh\":{\"path\":\"/topic/inheritance-hp7\"},\"theage\":{\"path\":\"/topic/inheritance-hp7\"},\"watoday\":{\"path\":\"/topic/inheritance-hp7\"}}}}]},\"urls\":{\"canonical\":{\"brand\":\"smh\",\"path\":\"/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html\"},\"published\":{\"brisbanetimes\":{\"path\":\"/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html\"},\"smh\":{\"path\":\"/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html\"},\"theage\":{\"path\":\"/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html\"},\"watoday\":{\"path\":\"/money/planning-and-budgeting/thinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html\"}},\"webslug\":\"thinking-of-gifting-the-grandkids-some-money-check-this-first\"},\"version\":{\"internal\":16,\"sourceCms\":1}},\"httpStatus\":200,\"title\":\"Thinking of gifting the grandkids some money? Check this first\",\"type\":\"article\"}},\"pageBuilder\":{\"inkAuthToken\":\"\"},\"paywall\":{\"currentGoogleEntitlement\":\"\",\"enabled\":null,\"isReadyToPayWithGoogle\":false,\"isReadyToPayWithGoogleSet\":false,\"paywallRule\":null,\"paywallRules\":null,\"rolloverDate\":null,\"swgAccountCreation\":\"\",\"swgLoadStatus\":\"NOT_LOADED\"},\"paywallPrompt\":{\"isVisible\":false},\"primaryNavigation\":{\"isVisible\":false,\"navigationType\":\"SECTIONS\"},\"refresh\":{\"isRefreshing\":false},\"routing\":{\"locationBeforeTransitions\":{\"pathname\":\"%2Fmoney%2Fplanning-and-budgeting%2Fthinking-of-gifting-the-grandkids-some-money-check-this-first-20241119-p5krrk.html\",\"search\":\"\",\"hash\":\"\",\"state\":null,\"action\":\"POP\",\"key\":null,\"query\":{}}},\"savedAssets\":{\"id\":null,\"ids\":null},\"search\":{\"filterBy\":null,\"isMetroSearchOpen\":false,\"isTravellerSearchOpen\":false,\"newsRoomCategories\":[]},\"services\":{\"show\":false},\"subscriberNotification\":{\"retentionNotification\":{\"isVisible\":false,\"notifications\":[]}},\"sudoku\":{\"level\":\"\",\"sudokus\":null,\"summary\":null},\"targetTime\":{\"summary\":null,\"targets\":null},\"todaysPaper\":{\"url\":\"\"},\"videoPlayer\":{\"loaded\":false},\"reduxAsyncConnect\":{\"loaded\":true,\"loadState\":{\"footerLinkGroups\":{\"loading\":false,\"loaded\":true,\"error\":null},\"navigation\":{\"loading\":false,\"loaded\":true,\"error\":null}},\"footerLinkGroups\":[{\"text\":\"Our Sites\",\"links\":[{\"text\":\"The Sydney Morning Herald\",\"url\":\"https://www.smh.com.au\"},{\"text\":\"The Age\",\"url\":\"https://www.theage.com.au\"},{\"text\":\"Brisbane Times\",\"url\":\"https://www.brisbanetimes.com.au\"},{\"text\":\"WAtoday\",\"url\":\"https://www.watoday.com.au\"},{\"text\":\"The Australian Financial Review\",\"url\":\"https://www.afr.com\"},{\"text\":\"Domain\",\"url\":\"https://www.domain.com.au\"},{\"text\":\"Drive\",\"url\":\"https://www.drive.com.au\"}]},{\"text\":\"Classifieds\",\"links\":[{\"text\":\"Tributes\",\"url\":\"http://tributes.smh.com.au/obituaries/smh-au/\"},{\"text\":\"Celebrations\",\"url\":\"http://celebrations.smh.com.au/celebration/smh-au/\"},{\"text\":\"Place your ad\",\"url\":\"https://advertisers.com.au\"},{\"text\":\"Commercial Real Estate\",\"url\":\"https://www.commercialrealestate.com.au\"}]},{\"text\":\"The Sydney Morning Herald\",\"links\":[{\"text\":\"Contact & support\",\"url\":\"/contact-us\"},{\"text\":\"Advertise with us\",\"url\":\"https://www.nineforbrands.com.au/advertising-enquiries/\"},{\"text\":\"Newsletters\",\"url\":\"https://smh.myfairfax.com.au/members/lite_session/new?callback_uri=https%3A%2F%2Fsmh.myfairfax.com.au%2Fbeta%2Fmembers%2Fmy_account%2Fnewsletters%3Fchannel_key%3DzHE9EWDHf1XPuz3Phk0YIg%26callback_uri%3Dhttps%253A%252F%252Fwww.smh.com.au&channel_key=zHE9EWDHf1XPuz3Phk0YIg\"},{\"text\":\"Accessibility guide\",\"url\":\"/siteguide/accessibility\"},{\"text\":\"Sitemap\",\"url\":\"/siteguide\"},{\"text\":\"Photo sales\",\"url\":\"https://consumer.licensing-publishing.nine.com.au\"},{\"text\":\"Purchase front pages\",\"url\":\"https://thestore.com.au/products/custom-front-page\"},{\"text\":\"Content licensing\",\"url\":\"https://professional.licensing-publishing.nine.com.au\"},{\"text\":\"Work with us\",\"url\":\"https://ninecareers.com.au/\"},{\"text\":\"Terms of use\",\"url\":\"https://login.nine.com.au/terms?client_id=smh\"},{\"text\":\"Privacy policy\",\"url\":\"https://login.nine.com.au/privacy?client_id=smh\"},{\"text\":\"Press Council\",\"url\":\"https://www.presscouncil.org.au/what-we-do\"},{\"text\":\"Charter of Editorial Independence\",\"url\":\"/nine-publishing-charter-of-editorial-independence\"}]},{\"text\":\"Products & Services\",\"links\":[{\"text\":\"Subscription packages\",\"url\":\"https://subscribe.smh.com.au/?promote_channel=HI_FL_GNL\"},{\"text\":\"My account\",\"url\":\"https://www.smh.com.au/myaccount\"},{\"text\":\"Subscriber FAQs\",\"url\":\"https://help.smh.com.au/hc/en-au\"},{\"text\":\"Delivery status\",\"url\":\"https://www.smh.com.au/status\"},{\"text\":\"Today\\u2019s Paper\",\"url\":\"https://subscribe.smh.com.au/?promote_channel=HI_FL_GNL\"},{\"text\":\"Good Food Guide\",\"url\":\"/goodfood-guide\"},{\"text\":\"Daily Puzzles\",\"title\":\"Daily Puzzles & Crosswords\",\"url\":\"/puzzles\"}]}],\"navigation\":[{\"text\":\"Home\",\"url\":\"/\"},{\"text\":\"Sydney\",\"url\":\"/sydney-news\"},{\"text\":\"NSW\",\"url\":\"/national/nsw\"},{\"text\":\"Politics\",\"url\":\"/politics\",\"children\":[{\"text\":\"US Votes 2024\",\"url\":\"/us-votes-2024\"},{\"text\":\"Federal\",\"url\":\"/politics/federal\"},{\"text\":\"NSW\",\"url\":\"/politics/nsw\"},{\"text\":\"Victoria\",\"url\":\"/politics/victoria\"},{\"text\":\"Queensland\",\"url\":\"/politics/queensland\"},{\"name\":\"WA\",\"text\":\"Western Australia\",\"url\":\"/politics/western-australia\"}]},{\"text\":\"Business\",\"url\":\"/business\",\"children\":[{\"text\":\"Companies\",\"url\":\"/business/companies\"},{\"text\":\"Markets\",\"url\":\"/business/markets\"},{\"text\":\"Bulls N' Bears\",\"url\":\"/business/bullsnbears\"},{\"text\":\"The economy\",\"url\":\"/business/the-economy\"},{\"text\":\"Banking & finance\",\"url\":\"/business/banking-and-finance\"},{\"text\":\"Small business\",\"url\":\"/business/small-business\"},{\"text\":\"Media\",\"url\":\"/topic/media-and-marketing-5z7\"},{\"text\":\"Workplace\",\"url\":\"/business/workplace\"}]},{\"text\":\"World\",\"url\":\"/world\",\"children\":[{\"text\":\"North America\",\"url\":\"/world/north-america\"},{\"text\":\"Europe\",\"url\":\"/world/europe\"},{\"text\":\"Asia\",\"url\":\"/world/asia\"},{\"text\":\"Middle East\",\"url\":\"/world/middle-east\"},{\"text\":\"Oceania\",\"url\":\"/world/oceania\"},{\"text\":\"South America\",\"url\":\"/world/south-america\"},{\"text\":\"Africa\",\"url\":\"/world/africa\"}]},{\"text\":\"National\",\"url\":\"/national\",\"children\":[{\"text\":\"Victoria\",\"url\":\"/national/victoria\"},{\"text\":\"Queensland\",\"url\":\"/national/queensland\"},{\"name\":\"WA\",\"text\":\"Western Australia\",\"url\":\"/national/western-australia\"}]},{\"text\":\"Opinion\",\"url\":\"/opinion\"},{\"text\":\"Property\",\"url\":\"/property\",\"children\":[{\"text\":\"News\",\"url\":\"/property/news\"},{\"text\":\"Domain Magazine\",\"url\":\"/domain-magazine\"},{\"text\":\"Title Deeds\",\"url\":\"/topic/title-deeds-1nq0\"},{\"text\":\"Living\",\"url\":\"/property/living\"},{\"text\":\"Auctions\",\"url\":\"/topic/auctions-1nq1\"},{\"text\":\"Financing\",\"url\":\"/topic/financing-1nq2\"}]},{\"text\":\"Sport\",\"url\":\"/sport\",\"children\":[{\"text\":\"NRL\",\"url\":\"/sport/nrl\",\"children\":[{\"text\":\"Fixtures\",\"url\":\"/sport/nrl/fixtures\"},{\"text\":\"Ladder\",\"url\":\"/sport/nrl/ladder\"},{\"text\":\"Expert tips\",\"url\":\"/sport/nrl/expert-tips\"}]},{\"text\":\"Rugby union\",\"url\":\"/sport/rugby-union\",\"children\":[{\"text\":\"Fixtures\",\"url\":\"/sport/rugby-union/fixtures\"},{\"text\":\"Ladder\",\"url\":\"/sport/rugby-union/ladder\"}]},{\"text\":\"Cricket\",\"url\":\"/sport/cricket\",\"children\":[{\"text\":\"Live scores\",\"url\":\"/sport/cricket/live-scores\"}]},{\"text\":\"Soccer\",\"url\":\"/sport/soccer\"},{\"text\":\"AFL\",\"url\":\"/sport/afl\",\"children\":[{\"text\":\"Fixture\",\"url\":\"/sport/afl/fixture\"},{\"text\":\"Ladder\",\"url\":\"/sport/afl/ladder\"},{\"text\":\"Expert tips\",\"url\":\"/sport/afl/expert-tips\"},{\"text\":\"Real Footy podcast\",\"url\":\"/podcast/the-age-real-footy-podcast\"}]},{\"text\":\"Racing\",\"url\":\"/sport/racing\"},{\"text\":\"Tennis\",\"url\":\"/sport/tennis\",\"children\":[{\"text\":\"Live scores\",\"url\":\"/sport/tennis/live-scores\"}]},{\"text\":\"Netball\",\"url\":\"/sport/netball\",\"children\":[{\"text\":\"Expert tips\",\"url\":\"/sport/netball/expert-tips\"}]},{\"text\":\"Basketball\",\"url\":\"/sport/basketball\"},{\"text\":\"Motorsport\",\"url\":\"/sport/motorsport\"},{\"text\":\"Cycling\",\"url\":\"/sport/cycling\"},{\"text\":\"Golf\",\"url\":\"/sport/golf\"},{\"text\":\"NFL\",\"url\":\"/sport/nfl\"},{\"text\":\"Athletics\",\"url\":\"/sport/athletics\"},{\"text\":\"Swimming\",\"url\":\"/sport/swimming\"},{\"text\":\"Boxing\",\"url\":\"/sport/boxing\"}]},{\"text\":\"Good Food\",\"url\":\"/goodfood\",\"children\":[{\"text\":\"Eating out\",\"url\":\"/goodfood/sydney-eating-out\"},{\"text\":\"Recipes\",\"url\":\"/goodfood/recipes\"},{\"text\":\"Tips & advice\",\"url\":\"/goodfood/tips-and-advice\"},{\"text\":\"Drinks\",\"url\":\"/goodfood/drinks\"}]},{\"text\":\"Culture\",\"url\":\"/culture\",\"children\":[{\"text\":\"Movies\",\"url\":\"/culture/movies\"},{\"text\":\"TV & radio\",\"url\":\"/culture/tv-and-radio\",\"children\":[{\"text\":\"TV guide\",\"url\":\"https://tvguide.smh.com.au\"}]},{\"text\":\"Music\",\"url\":\"/culture/music\"},{\"text\":\"Celebrity\",\"url\":\"/culture/celebrity\"},{\"text\":\"Books\",\"url\":\"/culture/books\"},{\"text\":\"Comedy\",\"url\":\"/culture/comedy\"},{\"text\":\"Dance\",\"url\":\"/culture/dance\"},{\"text\":\"Musicals\",\"url\":\"/culture/musicals\"},{\"text\":\"Opera\",\"url\":\"/culture/opera\"},{\"text\":\"Theatre\",\"url\":\"/culture/theatre\"},{\"text\":\"Art & design\",\"url\":\"/culture/art-and-design\"},{\"text\":\"Live reviews\",\"url\":\"/culture/live-reviews\"},{\"text\":\"TV guide\",\"url\":\"https://tvguide.smh.com.au\"}]},{\"text\":\"Lifestyle\",\"url\":\"/lifestyle\",\"children\":[{\"text\":\"Health & wellness\",\"url\":\"/lifestyle/health-and-wellness\"},{\"text\":\"Fashion\",\"url\":\"/lifestyle/fashion\"},{\"text\":\"Life & relationships\",\"url\":\"/lifestyle/life-and-relationships\"},{\"text\":\"Beauty\",\"url\":\"/lifestyle/beauty\"},{\"text\":\"Style\",\"url\":\"/topic/style-luxury-1nij\"},{\"text\":\"Horoscopes\",\"url\":\"/topic/horoscopes-5yc\"}]},{\"text\":\"Traveller\",\"url\":\"/traveller\",\"children\":[{\"text\":\"Destination guides\",\"url\":\"/traveller/inspiration/destination-guides\"},{\"text\":\"Inspiration\",\"url\":\"/traveller/inspiration\"},{\"text\":\"Reviews & advice\",\"url\":\"/traveller/reviews-and-advice\"},{\"text\":\"Travel news\",\"url\":\"/traveller/travel-news\"}]},{\"text\":\"Good Weekend\",\"url\":\"/good-weekend\"},{\"text\":\"Spectrum\",\"url\":\"/topic/spectrum-smh-hog\"},{\"text\":\"Sunday Life\",\"url\":\"/sunday-life\"},{\"text\":\"Money\",\"url\":\"/money\",\"children\":[{\"text\":\"Super & retirement\",\"url\":\"/money/super-and-retirement\"},{\"text\":\"Investing\",\"url\":\"/money/investing\"},{\"text\":\"Banking\",\"url\":\"/money/banking\"},{\"text\":\"Borrowing\",\"url\":\"/money/borrowing\"},{\"text\":\"Saving\",\"url\":\"/money/saving\"},{\"text\":\"Tax\",\"url\":\"/money/tax\"},{\"text\":\"Planning & budgeting\",\"url\":\"/money/planning-and-budgeting\"},{\"text\":\"Insurance\",\"url\":\"/money/insurance\"}]},{\"text\":\"Education\",\"url\":\"/education\"},{\"text\":\"Healthcare\",\"url\":\"/healthcare\"},{\"text\":\"Environment\",\"url\":\"/environment\",\"children\":[{\"text\":\"Conservation\",\"url\":\"/environment/conservation\"},{\"text\":\"Climate change\",\"url\":\"/environment/climate-change\"},{\"text\":\"Sustainability\",\"url\":\"/environment/sustainability\"},{\"text\":\"Weather\",\"url\":\"/environment/weather\"}]},{\"text\":\"Technology\",\"url\":\"/technology\",\"children\":[{\"text\":\"Video games\",\"url\":\"/technology/video-games\"},{\"text\":\"Home tech\",\"url\":\"/topic/home-technology-hqq\"},{\"text\":\"Phones\",\"url\":\"/topic/phones-5zt\"},{\"text\":\"Gadgets\",\"url\":\"/topic/gadgets-hqp\"}]},{\"text\":\"Drive\",\"url\":\"http://www.drive.com.au\"}]}}");</script><script nomodule="" src="/assets/core-js-bundle-3.6.1.js"></script><script src="/assets/react.38e021df249a667bd410.chunk.js"></script><script src="/assets/vendorCommon.444babe51411aee87403.chunk.js"></script><script src="/assets/client.dbf3103f99de5865f5d9.chunk.js"></script><script>(function(){var g=function(e,h,f,g){ this.get=function(a){for(var a=a+"=",c=document.cookie.split(";"),b=0,e=c.length;b<e;b++){for(var d=c[b];" "==d.charAt(0);)d=d.substring(1,d.length);if(0==d.indexOf(a))return d.substring(a.length,d.length)}return null}; this.set=function(a,c){var b="",b=new Date;b.setTime(b.getTime()+6048E5);b="; expires="+b.toGMTString();document.cookie=a+"="+c+b+"; path=/; "}; this.check=function(){var a=this.get(f);if(a)a=a.split(":");else if(100!=e)"v"==h&&(e=Math.random()>=e/100?0:100),a=[h,e,0],this.set(f,a.join(":"));else return!0;var c=a[1];if(100==c)return!0;switch(a[0]){case "v":return!1;case "r":return c=a[2]%Math.floor(100/c),a[2]++,this.set(f,a.join(":")),!c}return!0}; this.go=function(){if(this.check()){var a=document.createElement("script");a.type="text/javascript";a.src=g;document.body&&document.body.appendChild(a)}}; this.start=function(){var t=this;"complete"!==document.readyState?window.addEventListener?window.addEventListener("load",function(){t.go()},!1):window.attachEvent&&window.attachEvent("onload",function(){t.go()}):t.go()};}; try{(new g(100,"r","QSI_S_ZN_aWQOH5E46WdaZT0","https://znawqoh5e46wdazt0-nineresearch.siteintercept.qualtrics.com/SIE/?Q_ZID=ZN_aWQOH5E46WdaZT0")).start()}catch(i){}})();</script><div id="ZN_aWQOH5E46WdaZT0"></div><link as="script" href="/assets/Homepage.ff2384caa76b26ee1eba.chunk.js" rel="prefetch"/><script>(function(src) { var a = document.createElement("script"); a.type = "text/javascript"; a.async = true; a.src = src; var b = document.getElementsByTagName("script")[0]; b.parentNode.insertBefore(a, b) })("//cdn.tinypass.com/api/tinypass.min.js"); </script></body></html>