CINXE.COM

<!DOCTYPE html>   <html lang="en" dir="ltr" prefix="content: http://purl.org/rss/1.0/modules/content/ dc: http://purl.org/dc/terms/ foaf: http://xmlns.com/foaf/0.1/ og: http://ogp.me/ns# rdfs: http://www.w3.org/2000/01/rdf-schema# sioc: http://rdfs.org/sioc/ns# sioct: http://rdfs.org/sioc/types# skos: http://www.w3.org/2004/02/skos/core# xsd: http://www.w3.org/2001/XMLSchema#">  <head> <meta http-equiv="X-UA-Compatible" content="IE=edge">  <meta http-equiv="Content-Type" content="text/html; charset=utf-8" /><script type="text/javascript">(window.NREUM||(NREUM={})).init={privacy:{cookies_enabled:true},ajax:{deny_list:["bam.nr-data.net"]},distributed_tracing:{enabled:true}};(window.NREUM||(NREUM={})).loader_config={agentID:"1588752609",accountID:"3709111",trustKey:"66686",xpid:"VwEHWFdSCRABUVNXBAcHUlEC",licenseKey:"NRJS-6ba1f0ab0fea755e2e6",applicationID:"1525360453"};;/*! For license information please see nr-loader-spa-1.274.0.min.js.LICENSE.txt */ (()=>{var e,t,r={8122:(e,t,r)=>{"use strict";r.d(t,{a:()=>i});var n=r(944);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.R)(3);if(!t||"object"!=typeof t)return(0,n.R)(4);const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.R)(1,e)}return r}catch(e){(0,n.R)(2,e)}}},2555:(e,t,r)=>{"use strict";r.d(t,{Vp:()=>c,fn:()=>s,x1:()=>u});var n=r(384),i=r(8122);const o={beacon:n.NT.beacon,errorBeacon:n.NT.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){try{const t=c(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}function c(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function u(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.info=a[e])}},9417:(e,t,r)=>{"use strict";r.d(t,{D0:()=>h,gD:()=>g,xN:()=>p});var n=r(993);const i=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var o=r(2614),a=r(944),s=r(384),c=r(8122);const u="[data-nr-mask]",d=()=>{const e={mask_selector:"*",block_selector:"[data-nr-block]",mask_input_options:{color:!1,date:!1,"datetime-local":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{ajax:{deny_list:void 0,block_internal:!0,enabled:!0,harvestTimeSeconds:10,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},feature_flags:[],generic_events:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},harvest:{tooManyRequestsDelay:60},jserrors:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},logging:{enabled:!0,harvestTimeSeconds:10,autoStart:!0,level:n.p_.INFO},metrics:{enabled:!0,autoStart:!0},obfuscate:void 0,page_action:{enabled:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},performance:{capture_marks:!1,capture_measures:!1},privacy:{cookies_enabled:!0},proxy:{assets:void 0,beacon:void 0},session:{expiresMs:o.wk,inactiveMs:o.BB},session_replay:{autoStart:!0,enabled:!1,harvestTimeSeconds:60,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,fix_stylesheets:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){i(t)?e.mask_selector="".concat(t,",").concat(u):""===t||null===t?e.mask_selector=u:(0,a.R)(5,t)},get block_class(){return"nr-block"},get ignore_class(){return"nr-ignore"},get mask_text_class(){return"nr-mask"},get block_selector(){return e.block_selector},set block_selector(t){i(t)?e.block_selector+=",".concat(t):""!==t&&(0,a.R)(6,t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&"object"==typeof t?e.mask_input_options={...t,password:!0}:(0,a.R)(7,t)}},session_trace:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},soft_navigations:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},spa:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},ssl:void 0,user_actions:{enabled:!0}}},l={},f="All configuration objects require an agent identifier!";function h(e){if(!e)throw new Error(f);if(!l[e])throw new Error("Configuration for ".concat(e," was never set"));return l[e]}function p(e,t){if(!e)throw new Error(f);l[e]=(0,c.a)(t,d());const r=(0,s.nY)(e);r&&(r.init=l[e])}function g(e,t){if(!e)throw new Error(f);var r=h(e);if(r){for(var n=t.split("."),i=0;i<n.length-1;i++)if("object"!=typeof(r=r[n[i]]))return;r=r[n[n.length-1]]}return r}},5603:(e,t,r)=>{"use strict";r.d(t,{a:()=>c,o:()=>s});var n=r(384),i=r(8122);const o={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},a={};function s(e){if(!e)throw new Error("All loader-config objects require an agent identifier!");if(!a[e])throw new Error("LoaderConfig for ".concat(e," was never set"));return a[e]}function c(e,t){if(!e)throw new Error("All loader-config objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.loader_config=a[e])}},3371:(e,t,r)=>{"use strict";r.d(t,{V:()=>f,f:()=>l});var n=r(8122),i=r(384),o=r(6154),a=r(9324);let s=0;const c={buildEnv:a.F3,distMethod:a.Xs,version:a.xv,originTime:o.WN},u={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,timeKeeper:void 0,obfuscator:void 0},d={};function l(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!d[e])throw new Error("Runtime for ".concat(e," was never set"));return d[e]}function f(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");d[e]={...(0,n.a)(t,u),...c},Object.hasOwnProperty.call(d[e],"harvestCount")||Object.defineProperty(d[e],"harvestCount",{get:()=>++s});const r=(0,i.nY)(e);r&&(r.runtime=d[e])}},9324:(e,t,r)=>{"use strict";r.d(t,{F3:()=>i,Xs:()=>o,Yq:()=>a,xv:()=>n});const n="1.274.0",i="PROD",o="CDN",a="^2.0.0-alpha.17"},6154:(e,t,r)=>{"use strict";r.d(t,{A4:()=>s,OF:()=>d,RI:()=>i,WN:()=>h,bv:()=>o,gm:()=>a,lR:()=>f,m:()=>u,mw:()=>c,sb:()=>l});var n=r(1863);const i="undefined"!=typeof window&&!!window.document,o="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),a=i?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),s="complete"===a?.document?.readyState,c=Boolean("hidden"===a?.document?.visibilityState),u=""+a?.location,d=/iPad|iPhone|iPod/.test(a.navigator?.userAgent),l=d&&"undefined"==typeof SharedWorker,f=(()=>{const e=a.navigator?.userAgent?.match(/Firefox[/\s](\d+\.\d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),h=Date.now()-(0,n.t)()},7295:(e,t,r)=>{"use strict";r.d(t,{Xv:()=>a,gX:()=>i,iW:()=>o});var n=[];function i(e){if(!e||o(e))return!1;if(0===n.length)return!0;for(var t=0;t<n.length;t++){var r=n[t];if("*"===r.hostname)return!1;if(s(r.hostname,e.hostname)&&c(r.pathname,e.pathname))return!1}return!0}function o(e){return void 0===e.hostname}function a(e){if(n=[],e&&e.length)for(var t=0;t<e.length;t++){let r=e[t];if(!r)continue;0===r.indexOf("http://")?r=r.substring(7):0===r.indexOf("https://")&&(r=r.substring(8));const i=r.indexOf("/");let o,a;i>0?(o=r.substring(0,i),a=r.substring(i)):(o=r,a="");let[s]=o.split(":");n.push({hostname:s,pathname:a})}}function s(e,t){return!(e.length>t.length)&&t.indexOf(e)===t.length-e.length}function c(e,t){return 0===e.indexOf("/")&&(e=e.substring(1)),0===t.indexOf("/")&&(t=t.substring(1)),""===e||e===t}},1687:(e,t,r)=>{"use strict";r.d(t,{Ak:()=>c,Ze:()=>l,x3:()=>u});var n=r(7836),i=r(3606),o=r(860),a=r(2646);const s={};function c(e,t){const r={staged:!1,priority:o.P3[t]||0};d(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){e&&s[e]&&(s[e].get(t)&&s[e].delete(t),h(e,t,!1),s[e].size&&f(e))}function d(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function l(e="",t="feature",r=!1){if(d(e),!e||!s[e].get(t)||r)return h(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((([e,t])=>t.staged))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((([t])=>{s[e].delete(t),h(e,t)})))}function h(e,t,r=!0){const o=e?n.ee.get(e):n.ee,s=i.i.handlers;if(!o.aborted&&o.backlog&&s){if(r){const e=o.backlog[t],r=s[t];if(r){for(let t=0;e&&t<e.length;++t)p(e[t],r);Object.entries(r).forEach((([e,t])=>{Object.values(t||{}).forEach((t=>{t[0]?.on&&t[0]?.context()instanceof a.y&&t[0].on(e,t[1])}))}))}}o.isolatedBacklog||delete s[t],o.backlog[t]=null,o.emit("drain-"+t,[])}}function p(e,t){var r=e[1];Object.values(t[r]||{}).forEach((t=>{var r=e[0];if(t[0]===r){var n=t[1],i=e[3],o=e[2];n.apply(i,o)}}))}},7836:(e,t,r)=>{"use strict";r.d(t,{P:()=>c,ee:()=>u});var n=r(384),i=r(8990),o=r(3371),a=r(2646),s=r(5607);const c="nr@context:".concat(s.W),u=function e(t,r){var n={},s={},d={},l=!1;try{l=16===r.length&&(0,o.f)(r).isolatedBacklog}catch(e){}var f={on:p,addEventListener:p,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i<r.length;i++)r[i]===t&&r.splice(i,1)},emit:function(e,r,n,i,o){!1!==o&&(o=!0);if(u.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=h(n),c=g(e),d=c.length,l=0;l<d;l++)c[l].apply(a,r);var p=v()[s[e]];p&&p.push([f,e,r,a]);return a},get:m,listeners:g,context:h,buffer:function(e,t){const r=v();if(t=t||"feature",f.aborted)return;Object.entries(e||{}).forEach((([e,n])=>{s[n]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!v()[s[e]]},debugId:r,backlog:l?{}:t&&"object"==typeof t.backlog?t.backlog:{},isolatedBacklog:l};return Object.defineProperty(f,"aborted",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function h(e){return e&&e instanceof a.y?e:e?(0,i.I)(e,c,(()=>new a.y(c))):new a.y(c)}function p(e,t){n[e]=g(e).concat(t)}function g(e){return n[e]||[]}function m(t){return d[t]=d[t]||e(f,t)}function v(){return f.backlog}}(void 0,"globalEE"),d=(0,n.Zm)();d.ee||(d.ee=u)},2646:(e,t,r)=>{"use strict";r.d(t,{y:()=>n});class n{constructor(e){this.contextId=e}}},9908:(e,t,r)=>{"use strict";r.d(t,{d:()=>n,p:()=>i});var n=r(7836).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},3606:(e,t,r)=>{"use strict";r.d(t,{i:()=>o});var n=r(9908);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.d,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.d);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3878:(e,t,r)=>{"use strict";function n(e,t){return{capture:e,passive:!1,signal:t}}function i(e,t,r=!1,i){window.addEventListener(e,t,n(r,i))}function o(e,t,r=!1,i){document.addEventListener(e,t,n(r,i))}r.d(t,{DD:()=>o,jT:()=>n,sp:()=>i})},5607:(e,t,r)=>{"use strict";r.d(t,{W:()=>n});const n=(0,r(9566).bz)()},9566:(e,t,r)=>{"use strict";r.d(t,{LA:()=>s,ZF:()=>c,bz:()=>a,el:()=>u});var n=r(6154);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n.gm?.crypto||n.gm?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split("").map((e=>"x"===e?o(t,r++).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n.gm?.crypto||n.gm?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s<e;s++)a.push(o(r,i++).toString(16));return a.join("")}function c(){return s(16)}function u(){return s(32)}},2614:(e,t,r)=>{"use strict";r.d(t,{BB:()=>a,H3:()=>n,g:()=>u,iL:()=>c,tS:()=>s,uh:()=>i,wk:()=>o});const n="NRBA",i="SESSION",o=144e5,a=18e5,s={STARTED:"session-started",PAUSE:"session-pause",RESET:"session-reset",RESUME:"session-resume",UPDATE:"session-update"},c={SAME_TAB:"same-tab",CROSS_TAB:"cross-tab"},u={OFF:0,FULL:1,ERROR:2}},1863:(e,t,r)=>{"use strict";function n(){return Math.floor(performance.now())}r.d(t,{t:()=>n})},7485:(e,t,r)=>{"use strict";r.d(t,{D:()=>i});var n=r(6154);function i(e){if(0===(e||"").indexOf("data:"))return{protocol:"data"};try{const t=new URL(e,location.href),r={port:t.port,hostname:t.hostname,pathname:t.pathname,search:t.search,protocol:t.protocol.slice(0,t.protocol.indexOf(":")),sameOrigin:t.protocol===n.gm?.location?.protocol&&t.host===n.gm?.location?.host};return r.port&&""!==r.port||("http:"===t.protocol&&(r.port="80"),"https:"===t.protocol&&(r.port="443")),r.pathname&&""!==r.pathname?r.pathname.startsWith("/")||(r.pathname="/".concat(r.pathname)):r.pathname="/",r}catch(e){return{}}}},944:(e,t,r)=>{"use strict";function n(e,t){"function"==typeof console.debug&&console.debug("New Relic Warning: https://github.com/newrelic/newrelic-browser-agent/blob/main/docs/warning-codes.md#".concat(e),t)}r.d(t,{R:()=>n})},5284:(e,t,r)=>{"use strict";r.d(t,{t:()=>c,B:()=>s});var n=r(7836),i=r(6154);const o="newrelic";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&"object"==typeof e&&(a.has(t)||(r.emit("rumresp",[e]),s[t]=e,a.add(t),function(e={}){try{i.gm.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},8990:(e,t,r)=>{"use strict";r.d(t,{I:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},6389:(e,t,r)=>{"use strict";function n(e,t=500,r={}){const n=r?.leading||!1;let i;return(...r)=>{n&&void 0===i&&(e.apply(this,r),i=setTimeout((()=>{i=clearTimeout(i)}),t)),n||(clearTimeout(i),i=setTimeout((()=>{e.apply(this,r)}),t))}}function i(e){let t=!1;return(...r)=>{t||(t=!0,e.apply(this,r))}}r.d(t,{J:()=>i,s:()=>n})},3304:(e,t,r)=>{"use strict";r.d(t,{A:()=>o});var n=r(7836);const i=()=>{const e=new WeakSet;return(t,r)=>{if("object"==typeof r&&null!==r){if(e.has(r))return;e.add(r)}return r}};function o(e){try{return JSON.stringify(e,i())??""}catch(e){try{n.ee.emit("internal-error",[e])}catch(e){}return""}}},5289:(e,t,r)=>{"use strict";r.d(t,{GG:()=>o,sB:()=>a});var n=r(3878);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.sp)("load",e,t)}function a(e){if(i())return e();(0,n.DD)("DOMContentLoaded",e)}},384:(e,t,r)=>{"use strict";r.d(t,{NT:()=>o,US:()=>d,Zm:()=>a,bQ:()=>c,dV:()=>s,nY:()=>u,pV:()=>l});var n=r(6154),i=r(1863);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return n.gm.NREUM||(n.gm.NREUM={}),void 0===n.gm.newrelic&&(n.gm.newrelic=n.gm.NREUM),n.gm.NREUM}function s(){let e=a();return e.o||(e.o={ST:n.gm.setTimeout,SI:n.gm.setImmediate,CT:n.gm.clearTimeout,XHR:n.gm.XMLHttpRequest,REQ:n.gm.Request,EV:n.gm.Event,PR:n.gm.Promise,MO:n.gm.MutationObserver,FETCH:n.gm.fetch,WS:n.gm.WebSocket}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.t)(),date:new Date},r.initializedAgents[e]=t}function u(e){let t=a();return t.initializedAgents?.[e]}function d(e,t){a()[e]=t}function l(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},2843:(e,t,r)=>{"use strict";r.d(t,{u:()=>i});var n=r(3878);function i(e,t=!1,r,i){(0,n.DD)("visibilitychange",(function(){if(t)return void("hidden"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},8139:(e,t,r)=>{"use strict";r.d(t,{u:()=>f});var n=r(7836),i=r(3434),o=r(8990),a=r(6154);const s={},c=a.gm.XMLHttpRequest,u="addEventListener",d="removeEventListener",l="nr@wrapped:".concat(n.P);function f(e){var t=function(e){return(e||n.ee).get("events")}(e);if(s[t.debugId]++)return t;s[t.debugId]=1;var r=(0,i.YM)(t,!0);function f(e){r.inPlace(e,[u,d],"-",p)}function p(e,t){return e[1]}return"getPrototypeOf"in Object&&(a.RI&&h(document,f),h(a.gm,f),h(c.prototype,f)),t.on(u+"-start",(function(e,t){var n=e[1];if(null!==n&&("function"==typeof n||"object"==typeof n)){var i=(0,o.I)(n,l,(function(){var e={object:function(){if("function"!=typeof n.handleEvent)return;return n.handleEvent.apply(n,arguments)},function:n}[typeof n];return e?r(e,"fn-",null,e.name||"anonymous"):n}));this.wrapped=e[1]=i}})),t.on(d+"-start",(function(e){e[1]=this.wrapped||e[1]})),t}function h(e,t,...r){let n=e;for(;"object"==typeof n&&!Object.prototype.hasOwnProperty.call(n,u);)n=Object.getPrototypeOf(n);n&&t(n,...r)}},3434:(e,t,r)=>{"use strict";r.d(t,{Jt:()=>o,YM:()=>c});var n=r(7836),i=r(5607);const o="nr@original:".concat(i.W);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");const a="-"===n.charAt(0);for(let s=0;s<t.length;s++){const c=t[s],u=e[c];d(u)||(e[c]=r(u,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return d(t)?t:(r||(r=""),nrWrapper[o]=t,function(e,t,r){if(Object.defineProperty&&Object.keys)try{return Object.keys(e).forEach((function(r){Object.defineProperty(t,r,{get:function(){return e[r]},set:function(t){return e[r]=t,t}})})),t}catch(e){u([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,d,l;try{a=this,o=[...arguments],d="function"==typeof n?n(o,a):n||{}}catch(t){u([t,"",[o,a,s],d],e)}i(r+"start",[o,a,s],d,c);try{return l=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],d,c),e}finally{i(r+"end",[o,a,l],d,c)}}}function i(r,n,i,o){if(!s||t){var a=s;s=!0;try{e.emit(r,n,i,t,o)}catch(t){u([t,r,n,i],e)}s=a}}}function u(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function d(e){return!(e&&"function"==typeof e&&e.apply&&!e[o])}},9300:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.ajax},3333:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,Zp:()=>i,mq:()=>s,nf:()=>a,qN:()=>o});const n=r(860).K7.genericEvents,i=["auxclick","click","copy","keydown","paste","scrollend"],o=["focus","blur"],a=4,s=1e3},6774:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.jserrors},993:(e,t,r)=>{"use strict";r.d(t,{ET:()=>o,TZ:()=>a,p_:()=>i});var n=r(860);const i={ERROR:"ERROR",WARN:"WARN",INFO:"INFO",DEBUG:"DEBUG",TRACE:"TRACE"},o="log",a=n.K7.logging},3785:(e,t,r)=>{"use strict";r.d(t,{R:()=>c,b:()=>u});var n=r(9908),i=r(1863),o=r(860),a=r(3969),s=r(993);function c(e,t,r={},c=s.p_.INFO){(0,n.p)(a.xV,["API/logging/".concat(c.toLowerCase(),"/called")],void 0,o.K7.metrics,e),(0,n.p)(s.ET,[(0,i.t)(),t,r,c],void 0,o.K7.logging,e)}function u(e){return"string"==typeof e&&Object.values(s.p_).some((t=>t===e.toUpperCase().trim()))}},3969:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,XG:()=>s,rs:()=>i,xV:()=>a,z_:()=>o});const n=r(860).K7.metrics,i="sm",o="cm",a="storeSupportabilityMetrics",s="storeEventMetrics"},6630:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewEvent},782:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewTiming},6344:(e,t,r)=>{"use strict";r.d(t,{BB:()=>d,G4:()=>o,Qb:()=>l,TZ:()=>i,Ug:()=>a,_s:()=>s,bc:()=>u,yP:()=>c});var n=r(2614);const i=r(860).K7.sessionReplay,o={RECORD:"recordReplay",PAUSE:"pauseReplay",REPLAY_RUNNING:"replayRunning",ERROR_DURING_REPLAY:"errorDuringReplay"},a=.12,s={DomContentLoaded:0,Load:1,FullSnapshot:2,IncrementalSnapshot:3,Meta:4,Custom:5},c={[n.g.ERROR]:15e3,[n.g.FULL]:3e5,[n.g.OFF]:0},u={RESET:{message:"Session was reset",sm:"Reset"},IMPORT:{message:"Recorder failed to import",sm:"Import"},TOO_MANY:{message:"429: Too Many Requests",sm:"Too-Many"},TOO_BIG:{message:"Payload was too large",sm:"Too-Big"},CROSS_TAB:{message:"Session Entity was set to OFF on another tab",sm:"Cross-Tab"},ENTITLEMENTS:{message:"Session Replay is not allowed and will not be started",sm:"Entitlement"}},d=5e3,l={API:"api"}},5270:(e,t,r)=>{"use strict";r.d(t,{Aw:()=>c,CT:()=>u,SR:()=>s});var n=r(384),i=r(9417),o=r(7767),a=r(6154);function s(e){return!!(0,n.dV)().o.MO&&(0,o.V)(e)&&!0===(0,i.gD)(e,"session_trace.enabled")}function c(e){return!0===(0,i.gD)(e,"session_replay.preload")&&s(e)}function u(e,t){const r=t.correctAbsoluteTimestamp(e);return{originalTimestamp:e,correctedTimestamp:r,timestampDiff:e-r,originTime:a.WN,correctedOriginTime:t.correctedOriginTime,originTimeDiff:Math.floor(a.WN-t.correctedOriginTime)}}},3738:(e,t,r)=>{"use strict";r.d(t,{He:()=>i,Kp:()=>s,Lc:()=>u,Rz:()=>d,TZ:()=>n,bD:()=>o,d3:()=>a,jx:()=>l,uP:()=>c});const n=r(860).K7.sessionTrace,i="bstResource",o="resource",a="-start",s="-end",c="fn"+a,u="fn"+s,d="pushState",l=1e3},3962:(e,t,r)=>{"use strict";r.d(t,{AM:()=>o,O2:()=>s,Qu:()=>c,TZ:()=>a,ih:()=>u,tC:()=>i});var n=r(860);const i=["click","keydown","submit"],o="api",a=n.K7.softNav,s={INITIAL_PAGE_LOAD:"",ROUTE_CHANGE:1,UNSPECIFIED:2},c={INTERACTION:1,AJAX:2,CUSTOM_END:3,CUSTOM_TRACER:4},u={IP:"in progress",FIN:"finished",CAN:"cancelled"}},7378:(e,t,r)=>{"use strict";r.d(t,{$p:()=>x,BR:()=>b,Kp:()=>R,L3:()=>y,Lc:()=>c,NC:()=>o,SG:()=>d,TZ:()=>i,U6:()=>p,UT:()=>m,d3:()=>w,dT:()=>f,e5:()=>A,gx:()=>v,l9:()=>l,oW:()=>h,op:()=>g,rw:()=>u,tH:()=>E,uP:()=>s,wW:()=>T,xq:()=>a});var n=r(384);const i=r(860).K7.spa,o=["click","submit","keypress","keydown","keyup","change"],a=999,s="fn-start",c="fn-end",u="cb-start",d="api-ixn-",l="remaining",f="interaction",h="spaNode",p="jsonpNode",g="fetch-start",m="fetch-done",v="fetch-body-",b="jsonp-end",y=(0,n.dV)().o.ST,w="-start",R="-end",x="-body",T="cb"+R,A="jsTime",E="fetch"},4234:(e,t,r)=>{"use strict";r.d(t,{W:()=>o});var n=r(7836),i=r(1687);class o{constructor(e,t){this.agentIdentifier=e,this.ee=n.ee.get(e),this.featureName=t,this.blocked=!1}deregisterDrain(){(0,i.x3)(this.agentIdentifier,this.featureName)}}},7767:(e,t,r)=>{"use strict";r.d(t,{V:()=>o});var n=r(9417),i=r(6154);const o=e=>i.RI&&!0===(0,n.gD)(e,"privacy.cookies_enabled")},425:(e,t,r)=>{"use strict";r.d(t,{j:()=>j});var n=r(860),i=r(2555),o=r(3371),a=r(9908),s=r(7836),c=r(1687),u=r(5289),d=r(6154),l=r(944),f=r(3969),h=r(384),p=r(6344);const g=["setErrorHandler","finished","addToTrace","addRelease","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId","setApplicationVersion","start",p.G4.RECORD,p.G4.PAUSE,"log","wrapLogger"],m=["setErrorHandler","finished","addToTrace","addRelease"];var v=r(1863),b=r(2614),y=r(993),w=r(3785),R=r(2646),x=r(3434);function T(e,t,r,n){if("object"!=typeof t||!t||"string"!=typeof r||!r||"function"!=typeof t[r])return(0,l.R)(29);const i=function(e){return(e||s.ee).get("logger")}(e),o=(0,x.YM)(i),a=new R.y(s.P);return a.level=n.level,a.customAttributes=n.customAttributes,o.inPlace(t,[r],"wrap-logger-",a),i}function A(){const e=(0,h.pV)();g.forEach((t=>{e[t]=(...r)=>function(t,...r){let n=[];return Object.values(e.initializedAgents).forEach((e=>{e&&e.api?e.exposed&&e.api[t]&&n.push(e.api[t](...r)):(0,l.R)(38,t)})),n.length>1?n:n[0]}(t,...r)}))}const E={};var S=r(9417),N=r(5603),O=r(5284);const _=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let I=!1;function j(e,t={},g,R){let{init:x,info:j,loader_config:P,runtime:C={},exposed:k=!0}=t;C.loaderType=g;const L=(0,h.pV)();j||(x=L.init,j=L.info,P=L.loader_config),(0,S.xN)(e.agentIdentifier,x||{}),(0,N.a)(e.agentIdentifier,P||{}),j.jsAttributes??={},d.bv&&(j.jsAttributes.isWorker=!0),(0,i.x1)(e.agentIdentifier,j);const H=(0,S.D0)(e.agentIdentifier),D=[j.beacon,j.errorBeacon];I||(H.proxy.assets&&(_(H.proxy.assets),D.push(H.proxy.assets)),H.proxy.beacon&&D.push(H.proxy.beacon),A(),(0,h.US)("activatedFeatures",O.B),e.runSoftNavOverSpa&&=!0===H.soft_navigations.enabled&&H.feature_flags.includes("soft_nav")),C.denyList=[...H.ajax.deny_list||[],...H.ajax.block_internal?D:[]],C.ptid=e.agentIdentifier,(0,o.V)(e.agentIdentifier,C),e.ee=s.ee.get(e.agentIdentifier),void 0===e.api&&(e.api=function(e,t,h=!1){t||(0,c.Ak)(e,"api");const g={};var R=s.ee.get(e),x=R.get("tracer");E[e]=b.g.OFF,R.on(p.G4.REPLAY_RUNNING,(t=>{E[e]=t}));var A="api-",S=A+"ixn-";function N(t,r,n,o){const a=(0,i.Vp)(e);return null===r?delete a.jsAttributes[t]:(0,i.x1)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),I(A,n,!0,o||null===r?"session":void 0)(t,r)}function O(){}g.log=function(e,{customAttributes:t={},level:r=y.p_.INFO}={}){(0,a.p)(f.xV,["API/log/called"],void 0,n.K7.metrics,R),(0,w.R)(R,e,t,r)},g.wrapLogger=(e,t,{customAttributes:r={},level:i=y.p_.INFO}={})=>{(0,a.p)(f.xV,["API/wrapLogger/called"],void 0,n.K7.metrics,R),T(R,e,t,{customAttributes:r,level:i})},m.forEach((e=>{g[e]=I(A,e,!0,"api")})),g.addPageAction=I(A,"addPageAction",!0,n.K7.genericEvents),g.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,o.f)(e).customTransaction=(r||"http://custom.transaction")+t,I(A,"setPageViewName",!0)()},g.setCustomAttribute=function(e,t,r=!1){if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return N(e,t,"setCustomAttribute",r);(0,l.R)(40,typeof t)}else(0,l.R)(39,typeof e)},g.setUserId=function(e){if("string"==typeof e||null===e)return N("enduser.id",e,"setUserId",!0);(0,l.R)(41,typeof e)},g.setApplicationVersion=function(e){if("string"==typeof e||null===e)return N("application.version",e,"setApplicationVersion",!1);(0,l.R)(42,typeof e)},g.start=()=>{try{(0,a.p)(f.xV,["API/start/called"],void 0,n.K7.metrics,R),R.emit("manual-start-all")}catch(e){(0,l.R)(23,e)}},g[p.G4.RECORD]=function(){(0,a.p)(f.xV,["API/recordReplay/called"],void 0,n.K7.metrics,R),(0,a.p)(p.G4.RECORD,[],void 0,n.K7.sessionReplay,R)},g[p.G4.PAUSE]=function(){(0,a.p)(f.xV,["API/pauseReplay/called"],void 0,n.K7.metrics,R),(0,a.p)(p.G4.PAUSE,[],void 0,n.K7.sessionReplay,R)},g.interaction=function(e){return(new O).get("object"==typeof e?e:{})};const _=O.prototype={createTracer:function(e,t){var r={},i=this,o="function"==typeof t;return(0,a.p)(f.xV,["API/createTracer/called"],void 0,n.K7.metrics,R),h||(0,a.p)(S+"tracer",[(0,v.t)(),e,r],i,n.K7.spa,R),function(){if(x.emit((o?"":"no-")+"fn-start",[(0,v.t)(),i,o],r),o)try{return t.apply(this,arguments)}catch(e){const t="string"==typeof e?new Error(e):e;throw x.emit("fn-err",[arguments,this,t],r),t}finally{x.emit("fn-end",[(0,v.t)()],r)}}}};function I(e,t,r,i){return function(){return(0,a.p)(f.xV,["API/"+t+"/called"],void 0,n.K7.metrics,R),i&&(0,a.p)(e+t,[(0,v.t)(),...arguments],r?null:this,i,R),r?void 0:this}}function j(){r.e(478).then(r.bind(r,8778)).then((({setAPI:t})=>{t(e),(0,c.Ze)(e,"api")})).catch((e=>{(0,l.R)(27,e),R.abort()}))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{_[e]=I(S,e,void 0,h?n.K7.softNav:n.K7.spa)})),g.setCurrentRouteName=h?I(S,"routeName",void 0,n.K7.softNav):I(A,"routeName",!0,n.K7.spa),g.noticeError=function(t,r){"string"==typeof t&&(t=new Error(t)),(0,a.p)(f.xV,["API/noticeError/called"],void 0,n.K7.metrics,R),(0,a.p)("err",[t,(0,v.t)(),!1,r,!!E[e]],void 0,n.K7.jserrors,R)},d.RI?(0,u.GG)((()=>j()),!0):j(),g}(e.agentIdentifier,R,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=k),I=!0}},8374:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return""})()},860:(e,t,r)=>{"use strict";r.d(t,{$J:()=>o,K7:()=>n,P3:()=>i});const n={ajax:"ajax",genericEvents:"generic_events",jserrors:"jserrors",logging:"logging",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",softNav:"soft_navigations",spa:"spa"},i={[n.pageViewEvent]:1,[n.pageViewTiming]:2,[n.metrics]:3,[n.jserrors]:4,[n.spa]:5,[n.ajax]:6,[n.sessionTrace]:7,[n.softNav]:8,[n.sessionReplay]:9,[n.logging]:10,[n.genericEvents]:11},o={[n.pageViewTiming]:"events",[n.ajax]:"events",[n.spa]:"events",[n.softNav]:"events",[n.metrics]:"jserrors",[n.jserrors]:"jserrors",[n.sessionTrace]:"browser/blobs",[n.sessionReplay]:"browser/blobs",[n.logging]:"browser/logs",[n.genericEvents]:"ins"}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>({212:"nr-spa-compressor",249:"nr-spa-recorder",478:"nr-spa"}[e]+"-1.274.0.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.274.0.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),d=0;d<u.length;d++){var l=u[d];if(l.getAttribute("src")==r||l.getAttribute("data-webpack")==t+o){s=l;break}}if(!s){c=!0;var f={478:"sha512-1vUqEfJPB8Pihje9mv5CfYgkitO1FWcS+UQb84DbXqP8oYctRv4/lzl/MzNLPlRhcY1WVDBGL20I8vm6s2VV7g==",249:"sha512-Y/BeZAh6VSTmUtUNmS5XdyKxL92s30Fyyj8xVW76HSPxcKItL4+x2+kGMZc8pMJnUpZDz1L4eftZQAJh3D8NnA==",212:"sha512-Gn2tQ3qog5Yhrx/gRutkSTYPp+7nkKFt4/mIXg99LxcNpMDAYJZDBYmAACdoHNM86+iq1F3cBcQotFNzjIX8bw=="};(s=document.createElement("script")).charset="utf-8",s.timeout=120,i.nc&&s.setAttribute("nonce",i.nc),s.setAttribute("data-webpack",t+o),s.src=r,0!==s.src.indexOf(window.location.origin+"/")&&(s.crossOrigin="anonymous"),f[a]&&(s.integrity=f[a])}e[r]=[n];var h=(t,n)=>{s.onerror=s.onload=null,clearTimeout(p);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},p=setTimeout(h.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=h.bind(null,s.onerror),s.onload=h.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.p="https://js-agent.newrelic.com/",(()=>{var e={38:0,788:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u<a.length;u++)o=a[u],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.274.0.PROD"]=self["webpackChunk:NRBA-1.274.0.PROD"]||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))})(),(()=>{"use strict";i(8374);var e=i(944),t=i(6344),r=i(9566);class n{agentIdentifier;constructor(e=(0,r.LA)(16)){this.agentIdentifier=e}#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}addPageAction(e,t){return this.#e("addPageAction",e,t)}setPageViewName(e,t){return this.#e("setPageViewName",e,t)}setCustomAttribute(e,t,r){return this.#e("setCustomAttribute",e,t,r)}noticeError(e,t){return this.#e("noticeError",e,t)}setUserId(e){return this.#e("setUserId",e)}setApplicationVersion(e){return this.#e("setApplicationVersion",e)}setErrorHandler(e){return this.#e("setErrorHandler",e)}addRelease(e,t){return this.#e("addRelease",e,t)}log(e,t){return this.#e("log",e,t)}}class o extends n{#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}start(){return this.#e("start")}finished(e){return this.#e("finished",e)}recordReplay(){return this.#e(t.G4.RECORD)}pauseReplay(){return this.#e(t.G4.PAUSE)}addToTrace(e){return this.#e("addToTrace",e)}setCurrentRouteName(e){return this.#e("setCurrentRouteName",e)}interaction(){return this.#e("interaction")}wrapLogger(e,t,r){return this.#e("wrapLogger",e,t,r)}}var a=i(860),s=i(9417);const c=Object.values(a.K7);function u(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.gD)(t,"".concat(e,".enabled"))}(r,e)})),t}var d=i(425);var l=i(1687),f=i(4234),h=i(5289),p=i(6154),g=i(5270),m=i(7767),v=i(6389);class b extends f.W{constructor(e,t,r=!0){super(e.agentIdentifier,t),this.auto=r,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===e.init[this.featureName].autoStart&&(this.auto=!1),this.auto?(0,l.Ak)(e.agentIdentifier,t):this.ee.on("manual-start-all",(0,v.J)((()=>{(0,l.Ak)(e.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator(e)})))}importAggregator(t,r={}){if(this.featAggregate||!this.auto)return;let n;this.onAggregateImported=new Promise((e=>{n=e}));const o=async()=>{let o;try{if((0,m.V)(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(478).then(i.bind(i,6526));o=e(t)}}catch(t){(0,e.R)(20,t),this.ee.emit("internal-error",[t]),this.featureName===a.K7.sessionReplay&&this.abortHandler?.()}try{if(t.sharedAggregator)await t.sharedAggregator;else{t.sharedAggregator=i.e(478).then(i.bind(i,9337));const{EventAggregator:e}=await t.sharedAggregator;t.sharedAggregator=new e}if(!this.#t(this.featureName,o))return(0,l.Ze)(this.agentIdentifier,this.featureName),void n(!1);const{lazyFeatureLoader:e}=await i.e(478).then(i.bind(i,6103)),{Aggregate:a}=await e(this.featureName,"aggregate");this.featAggregate=new a(t,r),n(!0)}catch(t){(0,e.R)(34,t),this.abortHandler?.(),(0,l.Ze)(this.agentIdentifier,this.featureName,!0),n(!1),this.ee&&this.ee.abort()}};p.RI?(0,h.GG)((()=>o()),!0):o()}#t(e,t){switch(e){case a.K7.sessionReplay:return(0,g.SR)(this.agentIdentifier)&&!!t;case a.K7.sessionTrace:return!!t;default:return!0}}}var y=i(6630);class w extends b{static featureName=y.T;constructor(e,t=!0){super(e,y.T,t),this.importAggregator(e)}}var R=i(384);var x=i(9908),T=i(2843),A=i(3878),E=i(782),S=i(1863);class N extends b{static featureName=E.T;constructor(e,t=!0){super(e,E.T,t),p.RI&&((0,T.u)((()=>(0,x.p)("docHidden",[(0,S.t)()],void 0,E.T,this.ee)),!0),(0,A.sp)("pagehide",(()=>(0,x.p)("winPagehide",[(0,S.t)()],void 0,E.T,this.ee))),this.importAggregator(e))}}var O=i(3969);class _ extends b{static featureName=O.TZ;constructor(e,t=!0){super(e,O.TZ,t),this.importAggregator(e)}}var I=i(6774),j=i(3304);class P{constructor(e,t,r,n,i){this.name="UncaughtError",this.message="string"==typeof e?e:(0,j.A)(e),this.sourceURL=t,this.line=r,this.column=n,this.__newrelic=i}}function C(e){return H(e)?e:new P(void 0!==e?.message?e.message:e,e?.filename||e?.sourceURL,e?.lineno||e?.line,e?.colno||e?.col,e?.__newrelic)}function k(e){const t="Unhandled Promise Rejection";if(!e?.reason)return;if(H(e.reason))try{return e.reason.message=t+": "+e.reason.message,C(e.reason)}catch(t){return C(e.reason)}const r=C(e.reason);return r.message=t+": "+r?.message,r}function L(e){if(e.error instanceof SyntaxError&&!/:\d+$/.test(e.error.stack?.trim())){const t=new P(e.message,e.filename,e.lineno,e.colno,e.error.__newrelic);return t.name=SyntaxError.name,t}return H(e.error)?e.error:C(e)}function H(e){return e instanceof Error&&!!e.stack}class D extends b{static featureName=I.T;#r=!1;constructor(e,r=!0){super(e,I.T,r);try{this.removeOnAbort=new AbortController}catch(e){}this.ee.on("internal-error",(e=>{this.abortHandler&&(0,x.p)("ierr",[C(e),(0,S.t)(),!0,{},this.#r],void 0,this.featureName,this.ee)})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.#r=e})),p.gm.addEventListener("unhandledrejection",(e=>{this.abortHandler&&(0,x.p)("err",[k(e),(0,S.t)(),!1,{unhandledPromiseRejection:1},this.#r],void 0,this.featureName,this.ee)}),(0,A.jT)(!1,this.removeOnAbort?.signal)),p.gm.addEventListener("error",(e=>{this.abortHandler&&(0,x.p)("err",[L(e),(0,S.t)(),!1,{},this.#r],void 0,this.featureName,this.ee)}),(0,A.jT)(!1,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var M=i(8990);let K=1;const U="nr@id";function V(e){const t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===p.gm?0:(0,M.I)(e,U,(function(){return K++}))}function G(e){if("string"==typeof e&&e.length)return e.length;if("object"==typeof e){if("undefined"!=typeof ArrayBuffer&&e instanceof ArrayBuffer&&e.byteLength)return e.byteLength;if("undefined"!=typeof Blob&&e instanceof Blob&&e.size)return e.size;if(!("undefined"!=typeof FormData&&e instanceof FormData))try{return(0,j.A)(e).length}catch(e){return}}}var F=i(8139),B=i(7836),W=i(3434);const z={},q=["open","send"];function Z(t){var r=t||B.ee;const n=function(e){return(e||B.ee).get("xhr")}(r);if(z[n.debugId]++)return n;z[n.debugId]=1,(0,F.u)(r);var i=(0,W.YM)(n),o=p.gm.XMLHttpRequest,a=p.gm.MutationObserver,s=p.gm.Promise,c=p.gm.setInterval,u="readystatechange",d=["onload","onerror","onabort","onloadstart","onloadend","onprogress","ontimeout"],l=[],f=p.gm.XMLHttpRequest=function(t){const r=new o(t),a=n.context(r);try{n.emit("new-xhr",[r],a),r.addEventListener(u,(s=a,function(){var e=this;e.readyState>3&&!s.resolved&&(s.resolved=!0,n.emit("xhr-resolved",[],e)),i.inPlace(e,d,"fn-",y)}),(0,A.jT)(!1))}catch(t){(0,e.R)(15,t);try{n.emit("internal-error",[t])}catch(e){}}var s;return r};function h(e,t){i.inPlace(t,["onreadystatechange"],"fn-",y)}if(function(e,t){for(var r in e)t[r]=e[r]}(o,f),f.prototype=o.prototype,i.inPlace(f.prototype,q,"-xhr-",y),n.on("send-xhr-start",(function(e,t){h(e,t),function(e){l.push(e),a&&(g?g.then(b):c?c(b):(m=-m,v.data=m))}(t)})),n.on("open-xhr-start",h),a){var g=s&&s.resolve();if(!c&&!s){var m=1,v=document.createTextNode(m);new a(b).observe(v,{characterData:!0})}}else r.on("fn-end",(function(e){e[0]&&e[0].type===u||b()}));function b(){for(var e=0;e<l.length;e++)h(0,l[e]);l.length&&(l=[])}function y(e,t){return t}return n}var Y="fetch-",X=Y+"body-",J=["arrayBuffer","blob","json","text","formData"],Q=p.gm.Request,ee=p.gm.Response,te="prototype";const re={};function ne(e){const t=function(e){return(e||B.ee).get("fetch")}(e);if(!(Q&&ee&&p.gm.fetch))return t;if(re[t.debugId]++)return t;function r(e,r,n){var i=e[r];"function"==typeof i&&(e[r]=function(){var e,r=[...arguments],o={};t.emit(n+"before-start",[r],o),o[B.P]&&o[B.P].dt&&(e=o[B.P].dt);var a=i.apply(this,r);return t.emit(n+"start",[r,e],a),a.then((function(e){return t.emit(n+"end",[null,e],a),e}),(function(e){throw t.emit(n+"end",[e],a),e}))})}return re[t.debugId]=1,J.forEach((e=>{r(Q[te],e,X),r(ee[te],e,X)})),r(p.gm,"fetch",Y),t.on(Y+"end",(function(e,r){var n=this;if(r){var i=r.headers.get("content-length");null!==i&&(n.rxSize=i),t.emit(Y+"done",[null,r],n)}else t.emit(Y+"done",[e],n)})),t}var ie=i(7485),oe=i(5603);class ae{constructor(e){this.agentIdentifier=e}generateTracePayload(e){if(!this.shouldGenerateTrace(e))return null;var t=(0,oe.o)(this.agentIdentifier);if(!t)return null;var n=(t.accountID||"").toString()||null,i=(t.agentID||"").toString()||null,o=(t.trustKey||"").toString()||null;if(!n||!i)return null;var a=(0,r.ZF)(),s=(0,r.el)(),c=Date.now(),u={spanId:a,traceId:s,timestamp:c};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(u.traceContextParentHeader=this.generateTraceContextParentHeader(a,s),u.traceContextStateHeader=this.generateTraceContextStateHeader(a,c,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(u.newrelicHeader=this.generateTraceHeader(a,s,c,n,i,o)),u}generateTraceContextParentHeader(e,t){return"00-"+t+"-"+e+"-01"}generateTraceContextStateHeader(e,t,r,n,i){return i+"@nr=0-1-"+r+"-"+n+"-"+e+"----"+t}generateTraceHeader(e,t,r,n,i,o){if(!("function"==typeof p.gm?.btoa))return null;var a={v:[0,1],d:{ty:"Browser",ac:n,ap:i,id:e,tr:t,ti:r}};return o&&n!==o&&(a.d.tk=o),btoa((0,j.A)(a))}shouldGenerateTrace(e){return this.isDtEnabled()&&this.isAllowedOrigin(e)}isAllowedOrigin(e){var t=!1,r={};if((0,s.gD)(this.agentIdentifier,"distributed_tracing")&&(r=(0,s.D0)(this.agentIdentifier).distributed_tracing),e.sameOrigin)t=!0;else if(r.allowed_origins instanceof Array)for(var n=0;n<r.allowed_origins.length;n++){var i=(0,ie.D)(r.allowed_origins[n]);if(e.hostname===i.hostname&&e.protocol===i.protocol&&e.port===i.port){t=!0;break}}return t}isDtEnabled(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.enabled}excludeNewrelicHeader(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.exclude_newrelic_header}useNewrelicHeaderForCors(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!1!==e.cors_use_newrelic_header}useTraceContextHeadersForCors(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.cors_use_tracecontext_headers}}var se=i(9300),ce=i(7295),ue=["load","error","abort","timeout"],de=ue.length,le=(0,R.dV)().o.REQ,fe=(0,R.dV)().o.XHR;class he extends b{static featureName=se.T;constructor(e,t=!0){super(e,se.T,t),this.dt=new ae(e.agentIdentifier),this.handler=(e,t,r,n)=>(0,x.p)(e,t,r,n,this.ee);try{const e={xmlhttprequest:"xhr",fetch:"fetch",beacon:"beacon"};p.gm?.performance?.getEntriesByType("resource").forEach((t=>{if(t.initiatorType in e&&0!==t.responseStatus){const r={status:t.responseStatus},n={rxSize:t.transferSize,duration:Math.floor(t.duration),cbTime:0};pe(r,t.name),this.handler("xhr",[r,n,t.startTime,t.responseEnd,e[t.initiatorType]],void 0,a.K7.ajax)}}))}catch(e){}ne(this.ee),Z(this.ee),function(e,t,r,n){function i(e){var t=this;t.totalCbs=0,t.called=0,t.cbTime=0,t.end=R,t.ended=!1,t.xhrGuids={},t.lastSize=null,t.loadCaptureCalled=!1,t.params=this.params||{},t.metrics=this.metrics||{},e.addEventListener("load",(function(r){T(t,e)}),(0,A.jT)(!1)),p.lR||e.addEventListener("progress",(function(e){t.lastSize=e.loaded}),(0,A.jT)(!1))}function o(e){this.params={method:e[0]},pe(this,e[1]),this.metrics={}}function s(t,r){e.loader_config.xpid&&this.sameOrigin&&r.setRequestHeader("X-NewRelic-ID",e.loader_config.xpid);var i=n.generateTracePayload(this.parsedOrigin);if(i){var o=!1;i.newrelicHeader&&(r.setRequestHeader("newrelic",i.newrelicHeader),o=!0),i.traceContextParentHeader&&(r.setRequestHeader("traceparent",i.traceContextParentHeader),i.traceContextStateHeader&&r.setRequestHeader("tracestate",i.traceContextStateHeader),o=!0),o&&(this.dt=i)}}function c(e,r){var n=this.metrics,i=e[0],o=this;if(n&&i){var a=G(i);a&&(n.txSize=a)}this.startTime=(0,S.t)(),this.body=i,this.listener=function(e){try{"abort"!==e.type||o.loadCaptureCalled||(o.params.aborted=!0),("load"!==e.type||o.called===o.totalCbs&&(o.onloadCalled||"function"!=typeof r.onload)&&"function"==typeof o.end)&&o.end(r)}catch(e){try{t.emit("internal-error",[e])}catch(e){}}};for(var s=0;s<de;s++)r.addEventListener(ue[s],this.listener,(0,A.jT)(!1))}function u(e,t,r){this.cbTime+=e,t?this.onloadCalled=!0:this.called+=1,this.called!==this.totalCbs||!this.onloadCalled&&"function"==typeof r.onload||"function"!=typeof this.end||this.end(r)}function d(e,t){var r=""+V(e)+!!t;this.xhrGuids&&!this.xhrGuids[r]&&(this.xhrGuids[r]=!0,this.totalCbs+=1)}function l(e,t){var r=""+V(e)+!!t;this.xhrGuids&&this.xhrGuids[r]&&(delete this.xhrGuids[r],this.totalCbs-=1)}function f(){this.endTime=(0,S.t)()}function h(e,r){r instanceof fe&&"load"===e[0]&&t.emit("xhr-load-added",[e[1],e[2]],r)}function g(e,r){r instanceof fe&&"load"===e[0]&&t.emit("xhr-load-removed",[e[1],e[2]],r)}function m(e,t,r){t instanceof fe&&("onload"===r&&(this.onload=!0),("load"===(e[0]&&e[0].type)||this.onload)&&(this.xhrCbStart=(0,S.t)()))}function v(e,r){this.xhrCbStart&&t.emit("xhr-cb-time",[(0,S.t)()-this.xhrCbStart,this.onload,r],r)}function b(e){var t,r=e[1]||{};if("string"==typeof e[0]?0===(t=e[0]).length&&p.RI&&(t=""+p.gm.location.href):e[0]&&e[0].url?t=e[0].url:p.gm?.URL&&e[0]&&e[0]instanceof URL?t=e[0].href:"function"==typeof e[0].toString&&(t=e[0].toString()),"string"==typeof t&&0!==t.length){t&&(this.parsedOrigin=(0,ie.D)(t),this.sameOrigin=this.parsedOrigin.sameOrigin);var i=n.generateTracePayload(this.parsedOrigin);if(i&&(i.newrelicHeader||i.traceContextParentHeader))if(e[0]&&e[0].headers)s(e[0].headers,i)&&(this.dt=i);else{var o={};for(var a in r)o[a]=r[a];o.headers=new Headers(r.headers||{}),s(o.headers,i)&&(this.dt=i),e.length>1?e[1]=o:e.push(o)}}function s(e,t){var r=!1;return t.newrelicHeader&&(e.set("newrelic",t.newrelicHeader),r=!0),t.traceContextParentHeader&&(e.set("traceparent",t.traceContextParentHeader),t.traceContextStateHeader&&e.set("tracestate",t.traceContextStateHeader),r=!0),r}}function y(e,t){this.params={},this.metrics={},this.startTime=(0,S.t)(),this.dt=t,e.length>=1&&(this.target=e[0]),e.length>=2&&(this.opts=e[1]);var r,n=this.opts||{},i=this.target;"string"==typeof i?r=i:"object"==typeof i&&i instanceof le?r=i.url:p.gm?.URL&&"object"==typeof i&&i instanceof URL&&(r=i.href),pe(this,r);var o=(""+(i&&i instanceof le&&i.method||n.method||"GET")).toUpperCase();this.params.method=o,this.body=n.body,this.txSize=G(n.body)||0}function w(e,t){if(this.endTime=(0,S.t)(),this.params||(this.params={}),(0,ce.iW)(this.params))return;let n;this.params.status=t?t.status:0,"string"==typeof this.rxSize&&this.rxSize.length>0&&(n=+this.rxSize);const i={txSize:this.txSize,rxSize:n,duration:(0,S.t)()-this.startTime};r("xhr",[this.params,i,this.startTime,this.endTime,"fetch"],this,a.K7.ajax)}function R(e){const t=this.params,n=this.metrics;if(!this.ended){this.ended=!0;for(let t=0;t<de;t++)e.removeEventListener(ue[t],this.listener,!1);t.aborted||(0,ce.iW)(t)||(n.duration=(0,S.t)()-this.startTime,this.loadCazptureCalled||4!==e.readyState?null==t.status&&(t.status=0):T(this,e),n.cbTime=this.cbTime,r("xhr",[t,n,this.startTime,this.endTime,"xhr"],this,a.K7.ajax))}}function T(e,r){e.params.status=r.status;var n=function(e,t){var r=e.responseType;return"json"===r&&null!==t?t:"arraybuffer"===r||"blob"===r||"json"===r?G(e.response):"text"===r||""===r||void 0===r?G(e.responseText):void 0}(r,e.lastSize);if(n&&(e.metrics.rxSize=n),e.sameOrigin){var i=r.getResponseHeader("X-NewRelic-App-Data");i&&((0,x.p)(O.rs,["Ajax/CrossApplicationTracing/Header/Seen"],void 0,a.K7.metrics,t),e.params.cat=i.split(", ").pop())}e.loadCaptureCalled=!0}t.on("new-xhr",i),t.on("open-xhr-start",o),t.on("open-xhr-end",s),t.on("send-xhr-start",c),t.on("xhr-cb-time",u),t.on("xhr-load-added",d),t.on("xhr-load-removed",l),t.on("xhr-resolved",f),t.on("addEventListener-end",h),t.on("removeEventListener-end",g),t.on("fn-end",v),t.on("fetch-before-start",b),t.on("fetch-start",y),t.on("fn-start",m),t.on("fetch-done",w)}(e,this.ee,this.handler,this.dt),this.importAggregator(e)}}function pe(e,t){var r=(0,ie.D)(t),n=e.params||e;n.hostname=r.hostname,n.port=r.port,n.protocol=r.protocol,n.host=r.hostname+":"+r.port,n.pathname=r.pathname,e.parsedOrigin=r,e.sameOrigin=r.sameOrigin}const ge={},me=["pushState","replaceState"];function ve(e){const t=function(e){return(e||B.ee).get("history")}(e);return!p.RI||ge[t.debugId]++||(ge[t.debugId]=1,(0,W.YM)(t).inPlace(window.history,me,"-")),t}var be=i(3738);const{He:ye,bD:we,d3:Re,Kp:xe,TZ:Te,Lc:Ae,uP:Ee,Rz:Se}=be;class Ne extends b{static featureName=Te;constructor(e,t=!0){super(e,Te,t);if(!(0,m.V)(this.agentIdentifier))return void this.deregisterDrain();const r=this.ee;let n;ve(r),this.eventsEE=(0,F.u)(r),this.eventsEE.on(Ee,(function(e,t){this.bstStart=(0,S.t)()})),this.eventsEE.on(Ae,(function(e,t){(0,x.p)("bst",[e[0],t,this.bstStart,(0,S.t)()],void 0,a.K7.sessionTrace,r)})),r.on(Se+Re,(function(e){this.time=(0,S.t)(),this.startPath=location.pathname+location.hash})),r.on(Se+xe,(function(e){(0,x.p)("bstHist",[location.pathname+location.hash,this.startPath,this.time],void 0,a.K7.sessionTrace,r)}));try{n=new PerformanceObserver((e=>{const t=e.getEntries();(0,x.p)(ye,[t],void 0,a.K7.sessionTrace,r)})),n.observe({type:we,buffered:!0})}catch(e){}this.importAggregator(e,{resourceObserver:n})}}var Oe=i(2614);class _e extends b{static featureName=t.TZ;#i;#o;constructor(e,r=!0){let n;super(e,t.TZ,r),this.replayRunning=!1,this.#o=e;try{n=JSON.parse(localStorage.getItem("".concat(Oe.H3,"_").concat(Oe.uh)))}catch(e){}(0,g.SR)(e.agentIdentifier)&&this.ee.on(t.G4.RECORD,(()=>this.#a())),this.#s(n)?(this.#i=n?.sessionReplayMode,this.#c()):this.importAggregator(e),this.ee.on("err",(e=>{this.replayRunning&&(this.errorNoticed=!0,(0,x.p)(t.G4.ERROR_DURING_REPLAY,[e],void 0,this.featureName,this.ee))})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.replayRunning=e}))}#s(e){return e&&(e.sessionReplayMode===Oe.g.FULL||e.sessionReplayMode===Oe.g.ERROR)||(0,g.Aw)(this.agentIdentifier)}#u=!1;async#c(e){if(!this.#u){this.#u=!0;try{const{Recorder:t}=await Promise.all([i.e(478),i.e(249)]).then(i.bind(i,8589));this.recorder??=new t({mode:this.#i,agentIdentifier:this.agentIdentifier,trigger:e,ee:this.ee}),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording}catch(e){}this.importAggregator(this.#o,{recorder:this.recorder,errorNoticed:this.errorNoticed})}}#a(){this.featAggregate?this.featAggregate.mode!==Oe.g.FULL&&this.featAggregate.initializeRecording(Oe.g.FULL,!0):(this.#i=Oe.g.FULL,this.#c(t.Qb.API),this.recorder&&this.recorder.parent.mode!==Oe.g.FULL&&(this.recorder.parent.mode=Oe.g.FULL,this.recorder.stopRecording(),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording))}}var Ie=i(3962);class je extends b{static featureName=Ie.TZ;constructor(e,t=!0){if(super(e,Ie.TZ,t),!p.RI||!(0,R.dV)().o.MO)return;const r=ve(this.ee);Ie.tC.forEach((e=>{(0,A.sp)(e,(e=>{a(e)}),!0)}));const n=()=>(0,x.p)("newURL",[(0,S.t)(),""+window.location],void 0,this.featureName,this.ee);r.on("pushState-end",n),r.on("replaceState-end",n);try{this.removeOnAbort=new AbortController}catch(e){}(0,A.sp)("popstate",(e=>(0,x.p)("newURL",[e.timeStamp,""+window.location],void 0,this.featureName,this.ee)),!0,this.removeOnAbort?.signal);let i=!1;const o=new((0,R.dV)().o.MO)(((e,t)=>{i||(i=!0,requestAnimationFrame((()=>{(0,x.p)("newDom",[(0,S.t)()],void 0,this.featureName,this.ee),i=!1})))})),a=(0,v.s)((e=>{(0,x.p)("newUIEvent",[e],void 0,this.featureName,this.ee),o.observe(document.body,{attributes:!0,childList:!0,subtree:!0,characterData:!0})}),100,{leading:!0});this.abortHandler=function(){this.removeOnAbort?.abort(),o.disconnect(),this.abortHandler=void 0},this.importAggregator(e,{domObserver:o})}}var Pe=i(7378);const Ce={},ke=["appendChild","insertBefore","replaceChild"];function Le(e){const t=function(e){return(e||B.ee).get("jsonp")}(e);if(!p.RI||Ce[t.debugId])return t;Ce[t.debugId]=!0;var r=(0,W.YM)(t),n=/[?&](?:callback|cb)=([^&#]+)/,i=/(.*)\.([^.]+)/,o=/^(\w+)(\.|$)(.*)$/;function a(e,t){if(!e)return t;const r=e.match(o),n=r[1];return a(r[3],t[n])}return r.inPlace(Node.prototype,ke,"dom-"),t.on("dom-start",(function(e){!function(e){if(!e||"string"!=typeof e.nodeName||"script"!==e.nodeName.toLowerCase())return;if("function"!=typeof e.addEventListener)return;var o=(s=e.src,c=s.match(n),c?c[1]:null);var s,c;if(!o)return;var u=function(e){var t=e.match(i);if(t&&t.length>=3)return{key:t[2],parent:a(t[1],window)};return{key:e,parent:window}}(o);if("function"!=typeof u.parent[u.key])return;var d={};function l(){t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,A.jT)(!1)),e.removeEventListener("error",f,(0,A.jT)(!1))}function f(){t.emit("jsonp-error",[],d),t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,A.jT)(!1)),e.removeEventListener("error",f,(0,A.jT)(!1))}r.inPlace(u.parent,[u.key],"cb-",d),e.addEventListener("load",l,(0,A.jT)(!1)),e.addEventListener("error",f,(0,A.jT)(!1)),t.emit("new-jsonp",[e.src],d)}(e[0])})),t}const He={};function De(e){const t=function(e){return(e||B.ee).get("promise")}(e);if(He[t.debugId])return t;He[t.debugId]=!0;var r=t.context,n=(0,W.YM)(t),i=p.gm.Promise;return i&&function(){function e(r){var o=t.context(),a=n(r,"executor-",o,null,!1);const s=Reflect.construct(i,[a],e);return t.context(s).getCtx=function(){return o},s}p.gm.Promise=e,Object.defineProperty(e,"name",{value:"Promise"}),e.toString=function(){return i.toString()},Object.setPrototypeOf(e,i),["all","race"].forEach((function(r){const n=i[r];e[r]=function(e){let i=!1;[...e||[]].forEach((e=>{this.resolve(e).then(a("all"===r),a(!1))}));const o=n.apply(this,arguments);return o;function a(e){return function(){t.emit("propagate",[null,!i],o,!1,!1),i=i||!e}}}})),["resolve","reject"].forEach((function(r){const n=i[r];e[r]=function(e){const r=n.apply(this,arguments);return e!==r&&t.emit("propagate",[e,!0],r,!1,!1),r}})),e.prototype=i.prototype;const o=i.prototype.then;i.prototype.then=function(...e){var i=this,a=r(i);a.promise=i,e[0]=n(e[0],"cb-",a,null,!1),e[1]=n(e[1],"cb-",a,null,!1);const s=o.apply(this,e);return a.nextPromise=s,t.emit("propagate",[i,!0],s,!1,!1),s},i.prototype.then[W.Jt]=o,t.on("executor-start",(function(e){e[0]=n(e[0],"resolve-",this,null,!1),e[1]=n(e[1],"resolve-",this,null,!1)})),t.on("executor-err",(function(e,t,r){e[1](r)})),t.on("cb-end",(function(e,r,n){t.emit("propagate",[n,!0],this.nextPromise,!1,!1)})),t.on("propagate",(function(e,r,n){this.getCtx&&!r||(this.getCtx=function(){if(e instanceof Promise)var r=t.context(e);return r&&r.getCtx?r.getCtx():this})}))}(),t}const Me={},Ke="setTimeout",Ue="setInterval",Ve="clearTimeout",Ge="-start",Fe=[Ke,"setImmediate",Ue,Ve,"clearImmediate"];function Be(e){const t=function(e){return(e||B.ee).get("timer")}(e);if(Me[t.debugId]++)return t;Me[t.debugId]=1;var r=(0,W.YM)(t);return r.inPlace(p.gm,Fe.slice(0,2),Ke+"-"),r.inPlace(p.gm,Fe.slice(2,3),Ue+"-"),r.inPlace(p.gm,Fe.slice(3),Ve+"-"),t.on(Ue+Ge,(function(e,t,n){e[0]=r(e[0],"fn-",null,n)})),t.on(Ke+Ge,(function(e,t,n){this.method=n,this.timerDuration=isNaN(e[1])?0:+e[1],e[0]=r(e[0],"fn-",this,n)})),t}const We={};function ze(e){const t=function(e){return(e||B.ee).get("mutation")}(e);if(!p.RI||We[t.debugId])return t;We[t.debugId]=!0;var r=(0,W.YM)(t),n=p.gm.MutationObserver;return n&&(window.MutationObserver=function(e){return this instanceof n?new n(r(e,"fn-")):n.apply(this,arguments)},MutationObserver.prototype=n.prototype),t}const{TZ:qe,d3:Ze,Kp:Ye,$p:Xe,wW:Je,e5:Qe,tH:$e,uP:et,rw:tt,Lc:rt}=Pe;class nt extends b{static featureName=qe;constructor(e,t=!0){if(super(e,qe,t),!p.RI)return;try{this.removeOnAbort=new AbortController}catch(e){}let r,n=0;const i=this.ee.get("tracer"),o=Le(this.ee),a=De(this.ee),s=Be(this.ee),c=Z(this.ee),u=this.ee.get("events"),d=ne(this.ee),l=ve(this.ee),f=ze(this.ee);function h(e,t){l.emit("newURL",[""+window.location,t])}function g(){n++,r=window.location.hash,this[et]=(0,S.t)()}function m(){n--,window.location.hash!==r&&h(0,!0);var e=(0,S.t)();this[Qe]=~~this[Qe]+e-this[et],this[rt]=e}function v(e,t){e.on(t,(function(){this[t]=(0,S.t)()}))}this.ee.on(et,g),a.on(tt,g),o.on(tt,g),this.ee.on(rt,m),a.on(Je,m),o.on(Je,m),this.ee.on("fn-err",((...t)=>{t[2]?.__newrelic?.[e.agentIdentifier]||(0,x.p)("function-err",[...t],void 0,this.featureName,this.ee)})),this.ee.buffer([et,rt,"xhr-resolved"],this.featureName),u.buffer([et],this.featureName),s.buffer(["setTimeout"+Ye,"clearTimeout"+Ze,et],this.featureName),c.buffer([et,"new-xhr","send-xhr"+Ze],this.featureName),d.buffer([$e+Ze,$e+"-done",$e+Xe+Ze,$e+Xe+Ye],this.featureName),l.buffer(["newURL"],this.featureName),f.buffer([et],this.featureName),a.buffer(["propagate",tt,Je,"executor-err","resolve"+Ze],this.featureName),i.buffer([et,"no-"+et],this.featureName),o.buffer(["new-jsonp","cb-start","jsonp-error","jsonp-end"],this.featureName),v(d,$e+Ze),v(d,$e+"-done"),v(o,"new-jsonp"),v(o,"jsonp-end"),v(o,"cb-start"),l.on("pushState-end",h),l.on("replaceState-end",h),window.addEventListener("hashchange",h,(0,A.jT)(!0,this.removeOnAbort?.signal)),window.addEventListener("load",h,(0,A.jT)(!0,this.removeOnAbort?.signal)),window.addEventListener("popstate",(function(){h(0,n>1)}),(0,A.jT)(!0,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var it=i(3333);class ot extends b{static featureName=it.TZ;constructor(e,t=!0){super(e,it.TZ,t);const r=[e.init.page_action.enabled,e.init.performance.capture_marks,e.init.performance.capture_measures,e.init.user_actions.enabled];p.RI&&e.init.user_actions.enabled&&(it.Zp.forEach((e=>(0,A.sp)(e,(e=>(0,x.p)("ua",[e],void 0,this.featureName,this.ee)),!0))),it.qN.forEach((e=>(0,A.sp)(e,(e=>(0,x.p)("ua",[e],void 0,this.featureName,this.ee)))))),r.some((e=>e))?this.importAggregator(e):this.deregisterDrain()}}var at=i(993),st=i(3785);class ct extends b{static featureName=at.TZ;constructor(e,t=!0){super(e,at.TZ,t);const r=this.ee;this.ee.on("wrap-logger-end",(function([e]){const{level:t,customAttributes:n}=this;(0,st.R)(r,e,n,t)})),this.importAggregator(e)}}new class extends o{constructor(t,r){super(r),p.gm?(this.features={},(0,R.bQ)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(w),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.K7.softNav)),(0,d.j)(this,t,t.loaderType||"agent"),this.run()):(0,e.R)(21)}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=u(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.P3[e.featureName]-a.P3[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.K7.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.K7.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.K7.softNav)return;const n=function(e){switch(e){case a.K7.ajax:return[a.K7.jserrors];case a.K7.sessionTrace:return[a.K7.ajax,a.K7.pageViewEvent];case a.K7.sessionReplay:return[a.K7.sessionTrace];case a.K7.pageViewTiming:return[a.K7.pageViewEvent];default:return[]}}(r.featureName).filter((e=>!(e in this.features)));n.length>0&&(0,e.R)(36,{targetFeature:r.featureName,missingDependencies:n}),this.features[r.featureName]=new r(this)}))}catch(t){(0,e.R)(22,t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,R.Zm)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[he,w,N,Ne,_e,_,D,ot,ct,je,nt],loaderType:"spa"})})()})();</script> <link rel="shortcut icon" href="https://finlit.yale.edu/sites/all/themes/yalenew_base/images/favicon.ico" type="image/vnd.microsoft.icon" /> <meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=10, minimum-scale=1, user-scalable=yes" /> <meta name="description" content="What is banking? Opening a bank account is a great first step toward managing your finances. Banks are a convenient and safe way to store excess cash and grow your money. When you open up an account at a bank, you can easily deposit and withdraw cash, or set up direct deposits to receive a paycheck. In some bank accounts, the bank pays you an interest rate, allowing you to" /> <meta name="generator" content="Drupal 7 (https://www.drupal.org)" /> <link rel="canonical" href="https://finlit.yale.edu/saving/banking" /> <link rel="shortlink" href="https://finlit.yale.edu/node/134" /> <title>Banking | Financial Literacy</title>  <link rel="shortcut icon" sizes="16x16 24x24 32x32 48x48 64x64" href="https://finlit.yale.edu/sites/all/themes/yalenew_base/images/favicon.ico" type="image/vnd.microsoft.icon"> <link rel="icon" sizes="228x228" href="/sites/all/themes/yalenew_base/images/touch-icon-228.png"> <link rel="apple-touch-icon-precomposed" sizes="228x228" href="/sites/all/themes/yalenew_base/images/touch-icon-228.png"> <link type="text/css" rel="stylesheet" href="https://finlit.yale.edu/sites/default/files/css/css_xE-rWrJf-fncB6ztZfd2huxqgxu4WO-qwma6Xer30m4.css" media="all" /> <link type="text/css" rel="stylesheet" href="https://finlit.yale.edu/sites/default/files/css/css_Za-a8c0LZHT8AijEmPknMHjsUlvhnffMDyTA-T1i6sw.css" media="all" /> <link type="text/css" rel="stylesheet" href="https://finlit.yale.edu/sites/default/files/css/css_8gPpL832lFv1SpBPuNiMMo16aM72v9d5__21_YnVjXI.css" media="all" /> <link type="text/css" rel="stylesheet" href="//maxcdn.bootstrapcdn.com/font-awesome/4.7.0/css/font-awesome.min.css" media="all" /> <link type="text/css" rel="stylesheet" href="https://finlit.yale.edu/sites/default/files/css/css_zaOco2G8k_Y9ZPkHcPipwrYE0eu9i_I-umrYSytTB3U.css" media="all" /> <link type="text/css" rel="stylesheet" href="https://finlit.yale.edu/sites/default/files/css/css_4p66Ha43jfR6LpgBV-7xw6q2NxPB3zxKg9igJIUIBwY.css" media="all" /> <link type="text/css" rel="stylesheet" href="https://finlit.yale.edu/sites/default/files/css_injector/css_injector_1.css?sflqpj" media="all" /> <link type="text/css" rel="stylesheet" href="https://finlit.yale.edu/sites/default/files/css_injector/css_injector_11.css?sflqpj" media="all" />   <link type="text/css" rel="stylesheet" href="https://finlit.yale.edu/sites/default/files/css/css_059BxwQdO3W6gC_prw0ohrQj1fWv8MiFJkqt4YP0qJk.css" media="all" />  <script type="text/javascript" src="https://finlit.yale.edu/sites/all/libraries/respondjs/respond.min.js?sflqpj"></script> <script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="text/javascript" src="//ajax.googleapis.com/ajax/libs/jquery/1.8.3/jquery.min.js"></script> <script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="text/javascript" src="https://finlit.yale.edu/sites/default/files/js/js_Hfha9RCTNm8mqMDLXriIsKGMaghzs4ZaqJPLj2esi7s.js"></script> <script type="text/javascript" src="https://finlit.yale.edu/sites/default/files/js/js_zDrhTCYsC_8pVOJuGALtlm88oNEaqvyfjVoe0JtAAwI.js"></script> <script type="text/javascript" src="https://finlit.yale.edu/sites/default/files/js/js_bfQVWj1k7-JjyNrw7xA-QYYWrOpND-9bFJC_JmpD7BY.js"></script> <script type="text/javascript" src="https://finlit.yale.edu/sites/default/files/js/js_jTT1PBvEanHsXO-wc5wIZ-XGmEiwB14uYwPT1fSZLMA.js"></script> <script type="text/javascript" src="https://www.googletagmanager.com/gtag/js?id=G-1VPCNJ0QF0"></script> <script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="text/javascript" src="https://finlit.yale.edu/sites/default/files/js/js_mCtpTj6wS3z2qZ2ALINgRULthpF0fvWCuwMIaQenVy8.js"></script> <script type="text/javascript" src="https://finlit.yale.edu/sites/default/files/js/js_UNPtX_ZGxcpSkJyp8ls50mHCG5a_tcqRFqN4KjkfLso.js"></script> <script type="text/javascript"> <![CDATA[//><!]]> </script> </head> <body class="html not-front not-logged-in page-node page-node- page-node-134 node-type-page yalenew-standard context-saving one-sidebar sidebar-second"> <aside role='complementary' id="skip-link" aria-label="Skip to main content"> <a href="#main-content" class="element-invisible element-focusable">Skip to main content</a> </aside> <div class="region region-page-top" id="region-page-top"> <div class="region-inner region-page-top-inner"> </div> </div> <div class="page clearfix" id="page"> <header id="section-header" class="section section-header" role="banner"> <div id="zone-topper-wrapper" class="zone-wrapper zone-topper-wrapper clearfix yalenew-standard-topper"> <div id="zone-topper" class="zone zone-topper clearfix container-12"> <div class="grid-3 region region-topper-first" id="region-topper-first"> <div class="region-inner region-topper-first-inner"> <div class="topper-logo"><a href="http://www.yale.edu" class="y-icons y-yale y-univ"><span class="element-invisible">Yale University</span></a> </div> <div id="moved-main-nav-wrapper"> <button aria-expanded="false" id="nav-ready" class="nav-ready"><span class="element-invisible">Open Main Navigation</span></button> <div id="moved-main-nav" class="moved-main-nav" data-set="append-main-nav"></div> <button aria-expanded="true" id="nav-close" class="nav-close nav-hidden"><span class="element-invisible">Close Main Navigation</span></button> </div> </div> </div> <div class="grid-9 region region-topper-second" id="region-topper-second"> <div class="region-inner region-topper-second-inner"> <div class="block block-search block-form block-search-form odd block-without-title" id="block-search-form"> <div class="block-inner clearfix"> <div class="content clearfix"> <form class="search-form" role="search" aria-label="Site Search" action="/saving/banking" method="post" id="search-block-form" accept-charset="UTF-8"><div><div class="container-inline"> <div class="form-item form-type-textfield form-item-search-block-form"> <label for="edit-search-block-form--2"><i class="fa fa-search"></i> </label> <input title="Enter the terms you wish to search for." class="custom-search-box form-text" placeholder="Search this site" type="text" id="edit-search-block-form--2" name="search_block_form" value="" size="15" maxlength="128" /> </div> <div class="form-actions form-wrapper" id="edit-actions"><input style="display:none;" type="submit" id="edit-submit" name="op" value="" class="form-submit" /></div><input type="hidden" name="form_build_id" value="form-e4Y-QkgnaOP_hfDFQQb7QgJlr2RhCBOiZjOn9DvLdS4" /> <input type="hidden" name="form_id" value="search_block_form" /> </div> </div></form> </div> </div> </div> <div class="block block-block admin_login block-6 block-block-6 even block-without-title" id="block-block-6"> <div class="block-inner clearfix"> <div class="content clearfix"> <a href="/cas">Admin Login</a> </div> </div> </div> </div> </div> </div> </div><div id="zone-branding-wrapper" class="zone-wrapper zone-branding-wrapper clearfix"> <div id="zone-branding" class="zone zone-branding clearfix container-12"> <div class="grid-10 region region-branding" id="region-branding"> <div class="region-inner region-branding-inner"> <div class="branding-data clearfix"> <h2 class="site-name"><a href="/" title="Home">Financial Literacy </a></h2> </div> </div> </div> </div> </div></header> <main id="section-content" class="section section-content" role="main"> <div id="section-content-inner"> <div id="zone-menu-wrapper" class="zone-wrapper zone-menu-wrapper clearfix"> <div id="zone-menu" class="zone zone-menu clearfix yale-standard-menu container-12"> <div id="original-main-nav-wrapper"> <div id="original-main-nav" data-set="append-main-nav"> <div id="main-nav"> <div class="grid-12 region region-menu" id="region-menu"> <div class="region-inner region-menu-inner"> <nav id="main-menu-navigation" role="navigation" aria-label="Main Menu" class="navigation"> <div class="block block-superfish block-1 block-superfish-1 odd block-without-title" id="block-superfish-1"> <div class="block-inner clearfix"> <div class="content clearfix"> <ul id="superfish-1" class="menu sf-menu sf-main-menu sf-horizontal sf-style-none sf-total-items-5 sf-parent-items-5 sf-single-items-0"><li id="menu-4415-1" class="first odd sf-item-1 sf-depth-1 sf-total-children-4 sf-parent-children-0 sf-single-children-4 menuparent"><a href="/getting-started" class="sf-depth-1 menuparent">Getting Started</a><ul><li id="menu-4416-1" class="first odd sf-item-1 sf-depth-2 sf-no-children"><a href="/getting-started/fin-lit-resource-database" class="sf-depth-2">Fin Lit Resource Database</a></li><li id="menu-4420-1" class="middle even sf-item-2 sf-depth-2 sf-no-children"><a href="/getting-started/campus-resources" class="sf-depth-2">Campus Resources</a></li><li id="menu-4554-1" class="middle odd sf-item-3 sf-depth-2 sf-no-children"><a href="/getting-started/contributors" class="sf-depth-2">Contributors</a></li><li id="menu-4547-1" class="last even sf-item-4 sf-depth-2 sf-no-children"><a href="/getting-started/lets-hear-you" class="sf-depth-2">Let's Hear From You</a></li></ul></li><li id="menu-4417-1" class="middle even sf-item-2 sf-depth-1 sf-total-children-6 sf-parent-children-0 sf-single-children-6 menuparent"><a href="/planning" class="sf-depth-1 menuparent">Planning $</a><ul><li id="menu-4421-1" class="first odd sf-item-1 sf-depth-2 sf-no-children"><a href="/planning/budgeting-and-goal-setting" class="sf-depth-2">Budgeting and Goal Setting</a></li><li id="menu-4422-1" class="middle even sf-item-2 sf-depth-2 sf-no-children"><a href="/planning/expenses-college-students" class="sf-depth-2">Expenses for College Students</a></li><li id="menu-4423-1" class="middle odd sf-item-3 sf-depth-2 sf-no-children"><a href="/planning/understanding-credit-cards" class="sf-depth-2">Understanding Credit Cards</a></li><li id="menu-4424-1" class="middle even sf-item-4 sf-depth-2 sf-no-children"><a href="/planning/taxes" class="sf-depth-2">Taxes</a></li><li id="menu-4425-1" class="middle odd sf-item-5 sf-depth-2 sf-no-children"><a href="/planning/giving-and-supporting" class="sf-depth-2">Giving and Supporting</a></li><li id="menu-3448-1" class="last even sf-item-6 sf-depth-2 sf-no-children"><a href="/lit" class="sf-depth-2">LIT Financial Education</a></li></ul></li><li id="menu-4418-1" class="middle odd sf-item-3 sf-depth-1 sf-total-children-5 sf-parent-children-0 sf-single-children-5 menuparent"><a href="/getting" class="sf-depth-1 menuparent">Getting $</a><ul><li id="menu-4426-1" class="first odd sf-item-1 sf-depth-2 sf-no-children"><a href="/getting/funding-opportunities" class="sf-depth-2">Funding Opportunities</a></li><li id="menu-4427-1" class="middle even sf-item-2 sf-depth-2 sf-no-children"><a href="/getting/student-jobs" class="sf-depth-2">Student Jobs</a></li><li id="menu-4428-1" class="middle odd sf-item-3 sf-depth-2 sf-no-children"><a href="/getting/start-grant" class="sf-depth-2">Start-up Grant</a></li><li id="menu-4553-1" class="middle even sf-item-4 sf-depth-2 sf-no-children"><a href="/getting/yale-financial-aid-office" class="sf-depth-2">Financial Aid Office</a></li><li id="menu-4429-1" class="last odd sf-item-5 sf-depth-2 sf-no-children"><a href="/getting/getting-loans" class="sf-depth-2">Getting Loans</a></li></ul></li><li id="menu-4419-1" class="active-trail middle even sf-item-4 sf-depth-1 sf-total-children-4 sf-parent-children-0 sf-single-children-4 menuparent"><a href="/saving" class="sf-depth-1 menuparent">Saving $</a><ul><li id="menu-4430-1" class="first odd sf-item-1 sf-depth-2 sf-no-children"><a href="/saving/spending-101" class="sf-depth-2">Spending 101</a></li><li id="menu-4431-1" class="middle even sf-item-2 sf-depth-2 sf-no-children"><a href="/saving/reimbursements-and-fee-waivers" class="sf-depth-2">Reimbursements and Fee Waivers</a></li><li id="menu-4432-1" class="middle odd sf-item-3 sf-depth-2 sf-no-children"><a href="/saving/tools-and-applications" class="sf-depth-2">Tools and Applications</a></li><li id="menu-4433-1" class="active-trail last even sf-item-4 sf-depth-2 sf-no-children"><a href="/saving/banking" class="sf-depth-2 active">Banking</a></li></ul></li><li id="menu-2711-1" class="last odd sf-item-5 sf-depth-1 sf-total-children-4 sf-parent-children-0 sf-single-children-4 menuparent"><a href="/safetynet" class="sf-depth-1 menuparent">Yale College Safety Net</a><ul><li id="menu-2861-1" class="first odd sf-item-1 sf-depth-2 sf-no-children"><a href="/safetynet" class="sf-depth-2">Make a Funding Request</a></li><li id="menu-4657-1" class="middle even sf-item-2 sf-depth-2 sf-no-children"><a href="/yale-college-safety-net/funding-request-category-descriptions" class="sf-depth-2">Funding Request Category Descriptions</a></li><li id="menu-2896-1" class="middle odd sf-item-3 sf-depth-2 sf-no-children"><a href="/yale-college-safety-net/frequently-asked-questions" class="sf-depth-2">Safety Net FAQ</a></li><li id="menu-3710-1" class="last even sf-item-4 sf-depth-2 sf-no-children"><a href="/yale-college-safety-net/my-safety-net-requests" class="sf-depth-2">My Safety Net Requests</a></li></ul></li></ul> </div> </div> </div> </nav> </div> </div> </div> </div> </div> </div> </div> <div id="zone-content-wrapper" class="zone-wrapper zone-content-wrapper clearfix"> <div id="zone-content" class="zone zone-content clearfix container-12"> <div id="breadcrumb" class="grid-12"><nav class="breadcrumb" role="navigation" aria-label="You are here"><a href="/">Home</a><span class="tic"> > </span><a href="/saving">Saving $</a><span class="tic"> > </span>Banking</nav></div> <div id="moved-sidenav-wrapper" class="moved-sidenav-wrapper grid-12"> <div id="moved-sidenav" class="moved-sidenav" data-set="append-sidenav"></div> </div> <div class="grid-8 region region-content" id="region-content"> <div class="region-inner region-content-inner"> <a id="main-content" tabindex="-1"></a> <h1 class="title" id="page-title">Banking </h1> <div class="block block-system block-main block-system-main odd block-without-title" id="block-system-main"> <div class="block-inner clearfix"> <div class="content clearfix"> <article about="/saving/banking" typeof="foaf:Document" class="node node-page node-published node-not-promoted node-not-sticky author-46 odd clearfix" id="node-page-134">  <span property="dc:title" content="Banking" class="rdf-meta element-hidden"></span><span property="sioc:num_replies" content="0" datatype="xsd:integer" class="rdf-meta element-hidden"></span> <div class="content clearfix"> <div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><h2>What is banking?</h2> <p>Opening a bank account is a great first step toward managing your finances. Banks are a <strong>convenient and safe</strong> way to store excess cash and grow your money. When you open up an account at a bank, you can easily deposit and withdraw cash, or set up direct deposits to receive a paycheck. In some bank accounts, the bank pays you an interest rate, allowing you to grow your cash over time.</p> <p>Banks offer two primary types of accounts to students — checking accounts and saving accounts. </p> <p class="rteindent1"><strong>Checking accounts</strong> are best if you would like to quickly access your money via ATM machines. You can store your money in a checking account and access it at any time, and withdraw as often as you would like. You can also link a debit card to a checking account, or order checks (more on this later!) </p> <p class="rteindent1"><strong>Savings accounts</strong> are best if you are looking to set money aside to save. Savings accounts limit withdrawals, so you can resist temptation to spend. And they offer you a higher interest rate, so your money will grow faster. </p> <blockquote><p>Having both accounts can help you develop good savings habits, while still allowing you easy access to your money.</p> </blockquote> <p>Many students choose to open both checking and savings accounts, so that they can differentiate between spendable money and money meant to be saved. Having both accounts can help you develop good savings habits, while still allowing you easy access to your money.</p> <h2>Choosing a Bank</h2> <p>The first step in setting up your bank account is choosing a bank. Picking the right bank is important, because different banks offer different rates and fees for withdrawing money. Many banks now offer special student accounts, which are meant specifically for college students and often have lower minimums and charge fewer or no service fees. </p> <p>There are three main types of banks to choose between — local banks, credit unions, or online banks.</p> <p class="rteindent1"><strong>Local, or traditional banks </strong>are the banks you would recognize from street corners in big cities or small towns. Traditional banks can be big, national chains or small, local banks, but all have a physical location where you can go and meet with a bank employee with any questions you might have about your account.</p> <p class="rteindent1"><strong>Credit unions </strong>are similar to traditional banks, but often have fewer ATMs or physical locations. Some people prefer credit unions because they usually offer accounts with fewer fees and higher interest rates. Many credit unions (but not all) have a specific membership criteria, like military affiliation or having a certain occupation like teacher or city worker.</p> <p class="rteindent1"><strong>Online banks</strong> are a newer development in banking, and exist solely online without any physical branches. There is less human interaction, but it is often a convenient option as all services can be performed online. Online banks usually have contracts that allow you to still withdraw money from ATMs without excess fees.</p> <p>Geography is another important factor when picking a bank. Some banks only offer fee-less withdrawals at their bank’s ATMs. In that case, you would want to make sure that you are signing up for an account at a bank that has an ATM in the city or town where you live. If you choose to open an account at a traditional bank, you also might want to make sure that the bank has a branch in your city.</p> <p>Some banks that have branches or ATMs in New Haven are Bank of America, Chase, Liberty Bank, New Haven Bank, TD Bank, Santander Bank, Webster Bank, People’s United Bank, and Citizens Bank. </p> <h2>Common banking services</h2> <p>Some common things you can do at your bank beyond just depositing and withdrawing money are: ordering checks, cashing and depositing checks, and placing money orders (should we add loans here?).</p> <p class="rteindent1"><strong>What is a check?</strong> Paying with paper seems like such an ancient way of doing things, but checks are still used all the time! Most checking accounts come with the ability to order checks, which will come in the form of a checkbook. When you pay someone via check, the money will be withdrawn from your account when they choose to cash the check at their bank (this can sometimes take a while so you have to keep track of uncashed checks in your budget!). Employers often pay via check, which you will then need to cash. You can always cash a check by physically returning it to your bank, but more and more banks are now offering mobile banking apps that allow you to cash your checks by taking a picture with your phone. </p> <p class="rteindent1">On the other hand, a <strong>money order</strong> can be an even safer way to transfer money, especially if you are trying to send money through the mail. You can buy a money order at any post office or at most grocery stores. It resembles a check, but it is not linked to your bank account — rather, you buy a money order for a certain amount, send it, and then whoever is marked as the recipient can cash it in at a post office or grocery store.</p> <p><span style="font-size: 1em;">Be sure to check out the resources below for more information about banking and how to open an account.</span></p> <h2>Receiving international transfers or transferring funds internationally</h2> <p>Many international students receive money transfers to their US bank accounts from their parents overseas. If it is a direct bank to bank transfer typically hefty fees apply on the sender or both sides. This means you will receive less funds to your US account. </p> <p>You can avoid these fees, by using third party fintech intermediaries, such as <a href="https://wise.com/" target="_blank">Wise</a> (aka. Transferwise), which charge a fraction of the price and deliver funds typically within a similar timeframe.</p> </div></div></div><div class="field field-name-field-fontawesome-icon field-type-text field-label-hidden"><div class="field-items"><div class="field-item even">fa-university</div></div></div><div class="field field-name-field-label-text field-type-text field-label-hidden"><div class="field-items"><div class="field-item even">banking</div></div></div><div class="field field-name-field-label-background-color-hex field-type-text field-label-hidden"><div class="field-items"><div class="field-item even">gold</div></div></div> </div> <div class="clearfix"> <nav class="links node-links clearfix"></nav> </div> </article> </div> </div> </div> <div class="block block-views block-fin-lit-resources-list-block-16 block-views-fin-lit-resources-list-block-16 even" id="block-views-fin-lit-resources-list-block-16"> <div class="block-inner clearfix"> <h2 class="block-title">Banking Resources</h2> <div class="content clearfix"> <div class="view view-fin-lit-resources-list view-id-fin_lit_resources_list view-display-id-block_16 topic-resource-list view-dom-id-ef7c01facb5df56ff30b70e0378010dd"> <div class="view-header"> <style type="text/css"> #edit-field-flr-yale-resource-value-wrapper > label { display: none; font-weight: normal; } #edit-field-flr-yale-resource-value-wrapper label { font-weight: normal; } .views-exposed-form .form-text { height: 50px; } #edit-field-flr-yale-resource-value-wrapper { clear: both; } @media (min-width: 1025px) { .resource-wrap { margin: 0 -3.5%; } #topics { margin-top: -7px; } } @media (max-width: 1024px) and (min-width: 740px) { .resource-wrap { margin: 0 -2%; } } </style> </div> <div class="view-filters"> <form class="ctools-auto-submit-full-form" action="/" method="get" id="views-exposed-form-fin-lit-resources-list-block-16" accept-charset="UTF-8"><div><div class="views-exposed-form"> <div class="views-exposed-widgets clearfix"> <div id="edit-field-flr-yale-resource-value-wrapper" class="views-exposed-widget views-widget-filter-field_flr_yale_resource_value"> <label for="edit-field-flr-yale-resource-value"> Yale Resources Only </label> <div class="views-widget"> <div class="form-item form-type-select form-item-field-flr-yale-resource-value"> <div class="form-checkboxes bef-select-as-checkboxes"><div class="bef-checkboxes"><div class="form-item form-type-bef-checkbox form-item-edit-field-flr-yale-resource-value-1"> <input type="checkbox" name="field_flr_yale_resource_value[]" id="edit-field-flr-yale-resource-value-1" value="1" /> <label class='option' for='edit-field-flr-yale-resource-value-1'>Yale Resources Only</label> </div> </div></div> </div> </div> </div> <div class="views-exposed-widget views-submit-button"> <input class="ctools-use-ajax ctools-auto-submit-click js-hide form-submit" type="submit" id="edit-submit-fin-lit-resources-list" value="Search" /> </div> </div> </div> </div></form> </div> <div class="view-content"> <div class="views-row views-row-1 views-row-odd views-row-first container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/credit-card-tips">Credit Card Tips</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/nerd_1_0_0_0_0_0_0.png?itok=VC4ZYK_d" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=170">Banking</a>; <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=143">Spending</a></h5> <p> What is a credit card? Is this your first credit card? If you are having trouble selecting a credit card that is right for you. There are some helpful tips in this article including learning more about different types of credit cards and how to successfully apply for one. </p> <p> <a href="https://www.nerdwallet.com/article/credit-cards/credit-cards-101" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-2 views-row-even container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/moneygeek">MoneyGeek</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/screen_shot_2022-04-11_at_2.21.17_pm_1_0_0.png?itok=uqR5qOVe" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=170">Banking</a>; <a href="?field_flr_topic_tid=154">Budgeting</a>; <a href="?field_flr_topic_tid=140">Loans</a>; <a href="?field_flr_topic_tid=142">Saving</a>; <a href="?field_flr_topic_tid=143">Spending</a></h5> <p> A personal finance website covering broad range of topics such as credit cards, loans, financial planning, insurance and mortgages. </p> <p> <a href="https://www.moneygeek.com/" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> <div class="views-row views-row-3 views-row-odd views-row-last container-12 resource-wrap"> <div class="views-field views-field-nothing"> <span class="field-content"><div class="clearfix"> <div class="grid-12"> <hr /> <h3><a href="/resource/improve-your-credit-score">Improve Your Credit Score</a></h3> </div> <div class="grid-4"> <img class="adaptive-image" typeof="foaf:Image" src="https://finlit.yale.edu/sites/default/files/styles/adaptive/adaptive-image/public/fin-lit-resource/npr_1_0_0_0_0_0_0.png?itok=yJ0azVrx" alt="" /> </div> <div class="grid-8"> <h5 id="topics">Topics: <a href="?field_flr_topic_tid=170">Banking</a>; <a href="?field_flr_topic_tid=143">Spending</a></h5> <p> A low credit score can have a large impact on your daily life. It's very important to learn how to manage your credit score and how to improve. This article has helpful tips! </p> <p> <a href="https://www.npr.org/2020/11/09/933053299/tricks-to-improve-your-credit-score" target="_blank"><input type="button" value="Visit Site →"></a> </p> </div> </div></span> </div> </div> </div> <div class="view-footer"> <div id="search_all_link"> <p>Search through and explore all resources in the Fin Lit Resource Database.</p> <p><a href="/node/117"><input type="button" value="Search Database →"></a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="grid-4 region region-sidebar-second sidebar yale-standard-sidebar-second" id="region-sidebar-second"> <div class="region-inner region-sidebar-second-inner"> <nav class="block block-menu-block block-3 block-menu-block-3 odd has-subject" id="block-menu-block-3" role="navigation" aria-label="Saving $"> <div class="block-inner clearfix"> <h2 class="block-title"><a href="/saving" class="active-trail">Saving $</a></h2> <div class="content clearfix"> <div class="menu-block-wrapper menu-block-3 menu-name-main-menu parent-mlid-0 menu-level-2"> <ul class="menu"><li class="first leaf menu-mlid-4430 menu-spending-101"><a href="/saving/spending-101">Spending 101</a></li> <li class="leaf menu-mlid-4431 menu-reimbursements-and-fee-waivers"><a href="/saving/reimbursements-and-fee-waivers">Reimbursements and Fee Waivers</a></li> <li class="leaf menu-mlid-4432 menu-tools-and-applications"><a href="/saving/tools-and-applications">Tools and Applications</a></li> <li class="last leaf active-trail active menu-mlid-4433 menu-banking"><a href="/saving/banking" class="active-trail active">Banking</a></li> </ul></div> </div> </div> </nav> <aside class="block block-views related-topics block-related-topics-block block-views-related-topics-block even has-subject" id="block-views-related-topics-block" role="complementary" aria-label="Related Topics"> <div class="block-inner clearfix"> <h2 class="block-title">Related Topics</h2> <div class="content clearfix"> <div class="view view-related-topics view-id-related_topics view-display-id-block view-dom-id-2bc497d30e8e8fe3c81d57a25aeeba05"> <div class="view-header"> <style type="text/css"> .view-related-topics .views-row-last hr { display: none; } </style> </div> <div class="view-content"> <div class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field views-field-title"> <h4 class="field-content"><a href="/getting/getting-loans">Getting Loans</a></h4> </div> <div class="views-field views-field-body"> <p class="field-content">The idea of taking out loans can seem intimidating or counterproductive. But there...</p> </div> <div class="views-field views-field-nothing"> <span class="field-content"><h5><a href="/getting/getting-loans">Learn More →</a></h5> <hr /></span> </div> </div> <div class="views-row views-row-2 views-row-even"> <div class="views-field views-field-title"> <h4 class="field-content"><a href="/planning/budgeting-and-goal-setting">Budgeting and Goal Setting</a></h4> </div> <div class="views-field views-field-body"> <p class="field-content">  What is a budget? Do I need one? At the most basic level, a budget is a way...</p> </div> <div class="views-field views-field-nothing"> <span class="field-content"><h5><a href="/planning/budgeting-and-goal-setting">Learn More →</a></h5> <hr /></span> </div> </div> <div class="views-row views-row-3 views-row-odd views-row-last"> <div class="views-field views-field-title"> <h4 class="field-content"><a href="/planning/understanding-credit-cards">Understanding Credit Cards</a></h4> </div> <div class="views-field views-field-body"> <p class="field-content">You have probably seen credit cards in use, or maybe even have one yourself. But do...</p> </div> <div class="views-field views-field-nothing"> <span class="field-content"><h5><a href="/planning/understanding-credit-cards">Learn More →</a></h5> <hr /></span> </div> </div> </div> </div> </div> </div> </aside> </div> </div> </div> </div> </div> </main> <footer id="section-footer" class="section section-footer" role="contentinfo"> <div id="zone-footer-wrapper" class="zone-wrapper zone-footer-wrapper clearfix"> <div id="zone-footer" class="zone zone-footer clearfix container-12"> <div class="grid-2 region region-footer-first" id="region-footer-first"> <div class="region-inner region-footer-first-inner"> <div class="footer-logo"><a href="http://www.yale.edu" class="y-icons y-yale y-mark"><span class="element-invisible">Yale</span></a></div> </div> </div> <div class="grid-6 region region-footer-second" id="region-footer-second"> <div class="region-inner region-footer-second-inner"> <p class="copyright"> <a href="https://usability.yale.edu/web-accessibility/accessibility-yale">Accessibility at Yale</a> · <a href="http://www.yale.edu/privacy-policy">Privacy policy</a> <br> Copyright © 2024 Yale University · All rights reserved </p> <div class="block block-block safetynet-footer block-22 block-block-22 odd block-without-title" id="block-block-22"> <div class="block-inner clearfix"> <div class="content clearfix"> <p>For questions about the Financial Literacy website or Yale College Safety Net, please <a href="/node/136">contact us</a>.</p> <p style="margin-top: 15px;">This work is licensed under a <a rel="license" href="http://creativecommons.org/licenses/by-nc-sa/4.0/">Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License</a>.</p> <p style="margin-top: 15px;"><a rel="license" href="http://creativecommons.org/licenses/by-nc-sa/4.0/"><img alt="Creative Commons License" style="border-width:0" src="https://i.creativecommons.org/l/by-nc-sa/4.0/88x31.png" /></a></p> </div> </div> </div> </div> </div> <div class="grid-4 region region-footer-third" id="region-footer-third"> <div class="region-inner region-footer-third-inner"> <div class="block block-menu sharing block-menu-social-buttons block-menu-menu-social-buttons odd block-without-title" id="block-menu-menu-social-buttons"> <div class="block-inner clearfix"> <div class="content clearfix"> <ul class="menu"><li class="first leaf menu-facebook"><a href="https://www.facebook.com/YaleUniversity" class="fa fa-facebook-square"><span>Facebook</span></a></li> <li class="leaf menu-twitter"><a href="http://www.twitter.com/yale" class="fa fa-twitter"><span>Twitter</span></a></li> <li class="leaf menu-itunes"><a href="http://itunes.yale.edu" class="fa fa-apple"><span>iTunes</span></a></li> <li class="leaf menu-youtube"><a href="http://www.youtube.com/yale" class="fa fa-youtube-play"><span>YouTube</span></a></li> <li class="leaf menu-sina-weibo"><a href="http://weibo.com/yaleuniversity" class="fa fa-weibo"><span>Sina Weibo</span></a></li> <li class="last leaf menu-tumblr"><a href="http://yaleuniversity.tumblr.com" class="fa fa-tumblr-square"><span>Tumblr</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </div></footer> </div> <div class="region region-page-bottom" id="region-page-bottom"> <div class="region-inner region-page-bottom-inner"> </div> </div> <script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="text/javascript" src="https://finlit.yale.edu/sites/default/files/js/js_JMVekk522eOkII71K9F5yD4Su-iRqPdTR_-LxjPAtMk.js"></script> <script type="text/javascript"> <![CDATA[//><!]]> </script> <script type="text/javascript">window.NREUM||(NREUM={});NREUM.info={"beacon":"bam.nr-data.net","licenseKey":"NRJS-6ba1f0ab0fea755e2e6","applicationID":"1525360453","transactionName":"ZlxRN0UEDUYDB0ELXV8WZhFeSkxcDABQGhxBUUM=","queueTime":0,"applicationTime":395,"atts":"ShtSQQ0eHkg=","errorBeacon":"bam.nr-data.net","agent":""}</script></body> </html>