About Bank of America Institute - Our Contributors & Topics

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.svg-line-v--center-2{-webkit-transform:rotate(-45deg);transform:rotate(-45deg)}.institute-navigation__aria-close{background-color:rgba(0,0,0,0);border:0;height:1.875rem;overflow:hidden;padding:0;position:absolute;right:1.25rem;top:-2.875rem;width:1.875rem}@media(min-width:64rem){.institute-navigation__aria-close{display:none}.institute-navigation__menu-sub{background-color:#fff;-webkit-box-shadow:0 1px 1px rgba(0,0,0,.12);box-shadow:0 1px 1px rgba(0,0,0,.12);left:50%;padding:1.125rem 1.5rem;position:absolute;top:100%;-webkit-transform:translateX(-50%);transform:translateX(-50%)}}.institute-navigation__links{list-style-type:none;margin:0;padding:0}.institute-navigation__dropdown-icon{color:var(--institute-navigation--font-color);display:none;margin-left:.75rem;-webkit-transition:all .2s ease-in-out;transition:all .2s 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.institute-navigation__dropdown-icon{-webkit-transform:rotate(180deg);transform:rotate(180deg)}@media(max-width:63.9375rem){.institute-navigation__item--has-sub-menu>.institute-navigation__menu-sub{display:block}}.institute-navigation__item--sub{color:var(--institute-navigation--font-color)}@media(min-width:64rem){.institute-navigation__item--sub{color:#0053c2;font-size:1.125rem;padding-block:.375rem}}.institute-navigation__link{background:-webkit-gradient(linear,left top,left bottom,from(currentColor),to(currentColor));background:linear-gradient(currentColor,currentColor);background-position:0 100%;background-repeat:no-repeat;background-size:0 .056em;cursor:pointer;-webkit-transition:background .6s cubic-bezier(.22,1,.36,1);transition:background .6s cubic-bezier(.22,1,.36,1)}.institute-navigation__link:focus-visible,.institute-navigation__link:hover{background-size:100% .056em}.institute-navigation__link--main,.institute-navigation__link--sub{color:var(--institute-navigation--font-color)}@media(min-width:64rem){.institute-navigation__link--sub{color:#0053c2}}.institute-navigation__link--hide-mobile{display:none}@media(min-width:64rem){.institute-navigation__link--hide-mobile{display:block}}.institute-navigation__menu{-webkit-box-orient:vertical;-webkit-box-direction:normal;display:-webkit-box;display:-ms-flexbox;display:flex;-ms-flex-direction:column;flex-direction:column;height:100vh;position:absolute;right:0;top:100%;width:100%}@media(min-width:64rem){.institute-navigation__menu{-webkit-box-orient:unset;-webkit-box-direction:unset;display:block;-ms-flex-direction:unset;flex-direction:unset;height:auto;position:static;right:unset;top:unset;width:auto}.institute-navigation__menu.collapse{display:block}.institute-navigation__menu-main>.institute-navigation__links{-webkit-box-orient:horizontal;-webkit-box-direction:normal;-webkit-box-align:start;-ms-flex-align:start;align-items:flex-start;display:-webkit-box;display:-ms-flexbox;display:flex;-ms-flex-direction:row;flex-direction:row;gap:2.5rem}}.institute-navigation__menu-height-container{background-color:var(--institute-navigation--menu-bg-color);margin:0;overflow-y:auto;padding:.5rem 3rem 1.25rem}@media(min-width:64rem){.institute-navigation__menu-height-container{background-color:rgba(0,0,0,0);overflow-y:unset;padding:0}.institute-navigation .navigation-spacer{display:none}}.institute-navigation__top{background-color:#fff}.institute-navigation__top .institute-navigation__wrapper{-webkit-box-pack:justify;-ms-flex-pack:justify;-webkit-box-align:center;-ms-flex-align:center;align-items:center;display:-webkit-box;display:-ms-flexbox;display:flex;height:100%;justify-content:space-between;padding-bottom:.875rem;padding-top:.875rem}.institute-navigation__logo{-ms-flex-negative:0;display:inline-block;flex-shrink:0;margin:auto 0;max-width:18.75rem}@media(min-width:75rem){.institute-navigation__logo{-ms-flex-preferred-size:25%;flex-basis:25%}}.institute-navigation__logo-link{display:inline-block;outline:1px solid rgba(0,0,0,0);vertical-align:middle}.institute-navigation__logo-link:focus{outline:1px solid #000}.institute-navigation__logo-image{height:auto;max-width:12.5rem;width:100%}@media(min-width:48rem){.institute-navigation__logo-image{display:block;max-width:15.3125rem}}.institute-navigation__logo-image--mobile{display:none}@media(min-width:48rem){.institute-navigation__logo-image--mobile{display:none}}.institute-navigation{--institute-navigation--hamburger-utility-font-color:#fff}.institute-navigation--internal-page{--institute-navigation--hamburger-utility-font-color:#012169}.institute-navigation__utility ul{padding-left:0}.institute-navigation__utility ul li{list-style-type:none}.institute-navigation__utility ul li a{color:#012169;font-family:Connections,Arial,Verdana,Helvetica,sans-serif;letter-spacing:0}.institute-navigation__utility--top{background-color:#ededed;padding:4px 0;width:100%;z-index:1050}@media(max-width:39rem){.institute-navigation__utility--top .hub-utility-nav{padding:0}}@media(min-width:40rem){.institute-navigation__utility--top 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.hub-nav__dropdown{-webkit-box-orient:vertical;-webkit-box-direction:normal;background-color:#f9f7f4;border:1px solid #ccc;display:-webkit-box;display:-ms-flexbox;display:flex;-ms-flex-direction:column;flex-direction:column;height:calc(100% - 2rem);position:fixed;right:-100%;text-align:center;top:2.875rem;width:100%;z-index:1050}@media(min-width:48rem){.institute-navigation__utility .hub-nav__dropdown{display:block;display:none;height:auto;padding:.813rem .813rem .625rem;position:absolute;right:2%;text-align:justify;top:3.5rem;width:31rem}.institute-navigation__utility .hub-nav__dropdown:before{background:url("/etc.clientlibs/institute/clientlibs/clientlib-site/resources/images/hub/arrow_up.png") no-repeat;background-size:contain;content:"";height:1.375rem;position:absolute;right:2.5rem;top:-1.25rem;width:2.5rem}}.institute-navigation__utility .hub-nav__dropdown-arrow{background:#eee url("/etc.clientlibs/institute/clientlibs/clientlib-site/resources/images/hub/left_arrow.png") no-repeat;background-position:50%;border:none;display:block;height:1.5rem;left:1.25rem;position:absolute;top:50%;-webkit-transform:translateY(-50%);transform:translateY(-50%);width:.8125rem}.institute-navigation__utility .hub-nav__dropdown-arrow:focus{outline:none}.institute-navigation__utility .hub-nav__dropdown-title{-webkit-box-pack:justify;-ms-flex-pack:justify;background-color:#eee;border-bottom:1px solid #ccc;display:-webkit-box;display:-ms-flexbox;display:flex;justify-content:space-between;position:relative}@media(min-width:48rem){.institute-navigation__utility .hub-nav__dropdown-title{display:none}}.institute-navigation__utility .hub-nav__dropdown-title-text{color:#333;font-family:Connections,Arial,Verdana,Helvetica,sans-serif;font-size:.875rem;line-height:2;margin:0;padding:.4375rem .3125rem;width:100%}.institute-navigation__utility .hub-nav__dropdown-title-text:hover{cursor:pointer}@media(min-width:48rem){.institute-navigation__utility .hub-nav__dropdown-title-text{background:none;border-bottom:0;font-size:1rem;line-height:1;padding:0 0 .25rem;pointer-events:none}}.institute-navigation__utility .hub-nav__dropdown-list{overflow-y:auto;padding:0 1.25rem}@media(min-width:48rem){.institute-navigation__utility .hub-nav__dropdown-list{padding:0}}.institute-navigation__utility .hub-nav__dropdown-list ul{padding:0}@media(min-width:48rem){.institute-navigation__utility .hub-nav__dropdown-list ul:first-child() li:last-child(){border-bottom:0}}.institute-navigation__utility .hub-nav__dropdown-list ul:last-child() li:last-child(){border-bottom:0}.institute-navigation__utility .hub-nav__dropdown-list ul li{border-bottom:1px solid #ccc}@media(min-width:48rem){.institute-navigation__utility .hub-nav__dropdown-list ul li{border-right:1px solid #ccc;width:100%}}.institute-navigation__utility .hub-nav__dropdown-list ul li a{color:#0073cf;display:block;font-size:.875rem;padding:.869rem .3125rem 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.056em;color:var(--institute-navigation--hamburger-utility-font-color);display:inline-block;font-size:1.25rem;margin-top:.625rem;-webkit-transition:background .6s cubic-bezier(.22,1,.36,1);transition:background .6s cubic-bezier(.22,1,.36,1)}.institute-navigation__utility.institute-navigation__utility--bottom .hub-utility-nav__links-l1>li>a:focus-visible,.institute-navigation__utility.institute-navigation__utility--bottom .hub-utility-nav__links-l1>li>a:hover{background-size:100% .056em}.institute-navigation__utility.institute-navigation__utility--bottom .hub-utility-nav__links:first-child a{margin-top:0}.institute-navigation__utility.institute-navigation__utility--bottom .hub-utility-nav__links a{display:block;font-size:.875rem}@media(min-width:48rem){.institute-navigation__utility.institute-navigation__utility--bottom{display:none}}.aem-AuthorLayer-Edit .institute-navigation__utility{position:relative}.aem-AuthorLayer-Edit .institute-navigation__utility--top{background:#fff}.aem-AuthorLayer-Edit .institute-navigation__utility--top .hub-utility-nav{background-color:#ededed;max-width:none}.institute-navigation{left:0;position:fixed;top:0;width:100vw;z-index:1020}.institute-navigation .notification-strip__wrapper{padding:0}.institute-navigation .notification-strip__content{max-width:80rem;padding-left:1.25rem;padding-right:1.25rem}@media(min-width:48rem){.institute-navigation .notification-strip__content{padding-left:2.5rem;padding-right:2.5rem}}.institute-navigation--edit{position:relative}@media (-ms-high-contrast:none),screen and (-ms-high-contrast:active){.institute-navigation .collapsing{-webkit-transition:none;transition:none}}.aem-AuthorLayer-Edit .institute-navigation{max-width:100%;position:relative}@media(min-width:90rem){.layout-container{margin-left:auto;margin-right:auto;max-width:100rem}.layout-container--fullbleed{max-width:unset}}.layout-container--rightrail{margin-bottom:1.875rem;padding-left:2rem;padding-right:2rem}@media(min-width:75rem){.layout-container--rightrail{padding-left:4rem;padding-right:4rem}}.layout-container--rightrail .layout-container__column-left{background-color:#fff;position:relative}@media(min-width:48rem){.layout-container--rightrail .layout-container__column-left{padding-left:8.33333333%;padding-right:8.33333333%}}.layout-container--rightrail .layout-container__column-right{height:100%;position:relative;width:100%}@media(min-width:48rem)and (max-width:64rem){.layout-container--rightrail .layout-container__column-right{padding-left:8.33333333%;padding-right:8.33333333%}}@media(min-width:64rem){.layout-container--rightrail .layout-container__column-right{padding-top:3.4375rem}}.layout-container--center .col{-webkit-box-pack:center;-ms-flex-pack:center;display:-webkit-box;display:-ms-flexbox;display:flex;-ms-flex-wrap:wrap;flex-wrap:wrap;justify-content:center}@media(min-width:48rem){.layout-container--center .col>div{-webkit-box-orient:vertical;-webkit-box-direction:normal;display:-webkit-box;display:-ms-flexbox;display:flex;-ms-flex-direction:column;flex-direction:column;padding:0 1rem}}.layout-container--edit [class^=col-]{border:1px dashed #ccc}.layout-container--edit .col{display:block}@media(min-width:48rem){.layout-container.column-separator--desktop .col:not(:last-child){border-right:1px solid #d5d5d5}}@media(max-width:47.9375rem){.layout-container.column-separator--all .col:not(:last-child):after,.layout-container.column-separator--mobile .col:not(:last-child):after{border-bottom:1px solid 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.video__button{right:1.25rem;top:1.25rem}}@media(min-width:64rem){.masthead__type--video .video__button{bottom:1.25rem;top:auto}}.masthead__type--video .video__button:hover{cursor:pointer}.masthead__type--video .video__button--play{display:none}.masthead__type--video .icon--pause:after{color:#fff;content:"";font-family:IR-Icons;font-size:2rem}.masthead__type--video .icon--play:after{color:#fff;content:"";font-family:IR-Icons;font-size:2rem}.masthead__size--small{height:11.25rem}@media(min-width:48rem){.masthead__size--small{height:16.5625rem}}@media(min-width:64rem){.masthead__size--small{height:16.5625rem}}@media(min-width:75rem){.masthead__size--small{height:16.25rem}}.masthead__size--medium{height:20rem}@media(min-width:48rem){.masthead__size--medium{height:20rem}}@media(min-width:64rem){.masthead__size--medium{height:21.25rem}}@media(min-width:75rem){.masthead__size--medium{height:23.75rem}}.masthead__size--large{height:23.4375rem}.masthead__size--large 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.masthead__wrapper{height:100%;left:0;position:absolute;top:0;width:100%}.cq-Editable-dom .masthead .masthead__media>div{height:100%}.navigation__bottom,.navigation__bottom.open{-webkit-transition:background .25s ease-in;transition:background .25s ease-in}.navigation__bottom.open{background:#fff}@media(min-width:75rem){.navigation__bottom{background-color:#fff;display:-webkit-box;display:-ms-flexbox;display:flex;min-height:36px}}@media(max-width:74.9375rem){.navigation__bottom .navigation__wrapper{height:100%;padding:0}}@media(min-width:75rem){.navigation__bottom .navigation__wrapper{display:-webkit-box;display:-ms-flexbox;display:flex}}@media(max-width:74.9375rem){.navigation__site-name{background:#f5f5f5;display:block;font-size:.75rem;line-height:22px;padding-left:1.5625rem;padding-right:1.5625rem;padding-top:0}.navigation__site-name,.open .navigation__site-name{-webkit-transition:background .25s ease-in;transition:background .25s ease-in}.open 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.navigation-spacer{display:none}}.navigation__menu-sub{width:100%}@media(min-width:75rem){.navigation__menu-sub{background-color:rgba(255,255,255,.7);left:0;margin-top:.4375rem;position:fixed}}.navigation__menu-sub .navigation__links{-webkit-box-pack:center;-ms-flex-pack:center;justify-content:center}.navigation__links{list-style-type:none;margin:0;padding:0}@media(min-width:75rem){.navigation__links{-webkit-box-pack:center;-ms-flex-pack:center;display:-webkit-box;display:-ms-flexbox;display:flex;justify-content:center}}.navigation__item{-webkit-transition:all .2s linear;transition:all .2s linear}@media(max-width:74.9375rem){.navigation__item--main{-webkit-box-pack:justify;-ms-flex-pack:justify;-webkit-box-align:center;-ms-flex-align:center;align-items:center;border-top:1px solid #d5d5d5;display:-webkit-box;display:-ms-flexbox;display:flex;-ms-flex-wrap:wrap;flex-wrap:wrap;justify-content:space-between;padding:1.25rem 1.5625rem}}@media(min-width:75rem){.navigation__item--main{margin:0 1.875rem;padding:2px}}.navigation__item--main:first-child{margin-left:0}.navigation__item--main:last-child{margin-right:0}.navigation__item--main:not(.navigation__item--main-with-subitems){background-color:#fff}.navigation__item--main:not(.navigation__item--main-with-subitems) a{color:#012169}@media(max-width:74.9375rem){.navigation__item--sub{padding-left:1.5625rem;padding-right:1.5625rem}}.navigation__link{color:#012169;display:inline-block;font-size:1.125rem;-webkit-transition:all .2s linear;transition:all .2s linear}.navigation__link--main.active,.navigation__link--main:focus,.navigation__link--main:hover{text-decoration:underline}.navigation__link--sub{margin:1.25rem 0 0}@media(min-width:75rem){.navigation__link--sub{margin:0;padding:.875rem 2.5rem}.navigation__link--sub:focus,.navigation__link--sub:hover{background-color:#fff;-webkit-box-shadow:0 2px 2px 0 rgba(0,0,0,.1);box-shadow:0 2px 2px 0 rgba(0,0,0,.1)}}.navigation__toggle{background:none;border:none;cursor:pointer;z-index:1}.navigation__toggle svg{display:block;-webkit-transition:all .2s ease-in-out;transition:all .2s ease-in-out}.navigation__toggle--main{height:2.3125rem;padding:0;width:2.3125rem}@media(min-width:75rem){.navigation__toggle--main{display:none}}@media (-ms-high-contrast:none),screen and (-ms-high-contrast:active){.navigation__toggle--main.active svg{display:none}.navigation__toggle--main.active:after{color:#000;content:"";font-family:IR-Icons;font-size:1rem}}.navigation__toggle--main 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.svg-line-v--bottom{-webkit-transform:translateY(-14px);transform:translateY(-14px)}.navigation__toggle--main.active .svg-line-v--center{-webkit-transition-delay:.2s;transition-delay:.2s}.navigation__toggle--main.active .svg-line-v--center-1{-webkit-transform:rotate(45deg);transform:rotate(45deg)}.navigation__toggle--main.active .svg-line-v--center-2{-webkit-transform:rotate(-45deg);transform:rotate(-45deg)}.navigation__toggle--sub{height:1.0625rem;margin-left:.3125rem;padding:.125rem;width:1.0625rem}@media(min-width:75rem){.navigation__toggle--sub.active svg{-webkit-transform:rotate(45deg);transform:rotate(45deg)}}@media(max-width:74.9375rem){.navigation__toggle--sub.active .svg-line-v{display:none}.navigation.open{height:100%}.navigation.open .navigation__menu-main{margin-bottom:2.5rem}}.navigation__top{background-color:#fff}.navigation__top .navigation__wrapper{height:2.625rem}@media(max-width:74.9375rem){.navigation__top .navigation__wrapper{-webkit-box-align:center;-ms-flex-align:center;-webkit-box-pack:justify;-ms-flex-pack:justify;align-items:center;display:-webkit-box;display:-ms-flexbox;display:flex;justify-content:space-between;padding-left:1.5625rem;padding-right:1.5625rem}}@media(min-width:48rem){.navigation__top .navigation__wrapper{height:3.75rem}}@media(min-width:75rem){.navigation__top .navigation__wrapper{-webkit-box-pack:justify;-ms-flex-pack:justify;display:-webkit-box;display:-ms-flexbox;display:flex;height:4.375rem;justify-content:space-between;padding-bottom:1.25rem;padding-top:1.25rem}}.navigation{background-color:#fff;-webkit-box-shadow:0 1px 4px 0 rgba(0,0,0,.17);box-shadow:0 1px 4px 0 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auto;position:relative}.navigation__logo{display:inline-block}.navigation__logo-image{height:auto;max-width:10.3125rem;width:100%}@media(min-width:48rem){.navigation__logo-image{max-width:12.5rem}}@media(min-width:75rem){.navigation__logo-image{max-width:17.1875rem}}.navigation--edit{position:relative}@media (-ms-high-contrast:none),screen and (-ms-high-contrast:active){.navigation .collapsing{-webkit-transition:none;transition:none}}.navigation-spacer{-webkit-box-flex:1;-ms-flex:1 0 auto;flex:1 0 auto;height:106px}.navigation-spacer--edit{display:none}.aem-AuthorLayer-Edit .experiencefragment-navigation{margin-left:-2rem;margin-right:-2rem}@media(min-width:30rem)and (max-width:82rem){.aem-AuthorLayer-Edit .experiencefragment-navigation{margin-left:-4rem;margin-right:-4rem}}@media(max-width:74.9375rem){.aem-AuthorLayer-Edit .experiencefragment-navigation .navigation__utility--top{display:none}}.aem-AuthorLayer-Edit body.page{padding-top:0}.aem-AuthorLayer-Edit .navigation{position:relative}.navigation__utility .utility-nav li{list-style:none}.navigation__utility .utility-nav li a{color:#000;display:block;font-size:.875rem;line-height:1}.navigation__utility .utility-nav li.active,.navigation__utility .utility-nav li:hover{color:#000;text-decoration:underline}.navigation__utility--top{-ms-flex-item-align:end;-webkit-box-flex:1;-ms-flex-positive:1;align-self:flex-end;display:none;flex-grow:1;margin:0 .3125rem 0 3.75rem}@media(min-width:75rem){.navigation__utility--top{display:block}}.navigation__utility--top .utility-nav{-webkit-box-pack:justify;-ms-flex-pack:justify;display:-webkit-box;display:-ms-flexbox;display:flex;justify-content:space-between}.navigation__utility--top .utility-nav-left{margin-right:auto}.navigation__utility--top .utility-nav-left li{margin-right:2.5rem}.navigation__utility--top .utility-nav-right{margin-left:auto}.navigation__utility--top .utility-nav-right li{margin-left:2.5rem}.navigation__utility--bottom{background:#f5f5f5;padding-bottom:.625rem}@media(min-width:75rem){.navigation__utility--bottom{display:none}}.navigation__utility--bottom .utility-nav li{padding:.9375rem 1.5625rem}.notification-strip{background-color:#012169;color:#fff;font-family:Connections,Arial,Verdana,Helvetica,sans-serif;padding:.875rem 0;width:100%}@media(min-width:48rem){.notification-strip{padding:.5rem 0}}.notification-strip__wrapper{padding-left:1.5625rem;padding-right:1.5625rem}@media(min-width:75rem){.notification-strip__wrapper{padding-left:4rem;padding-right:4rem}}.notification-strip__content{font-size:.75rem}@media(min-width:48rem){.notification-strip__content{font-size:1.125rem}}.notification-strip__content *{color:inherit;font-size:inherit;line-height:inherit}.notification-strip__content * a{font-size:inherit;line-height:inherit;margin-left:.3125rem;text-decoration:underline}.aem-AuthorLayer-Edit .notification-strip{margin:0;position:relative;top:0} </style> <link rel="stylesheet" href="/etc.clientlibs/institute/clientlibs/clientlib-base.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/unity/core/clientlibs/clientlib-global.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/unity/core/clientlibs/clientlib-typography.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/unity/core/clientlibs/clientlib-components.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/institute/clientlibs/clientlib-dependencies.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/institute/clientlibs/clientlib-site.min.css" type="text/css"> <script src="/etc.clientlibs/institute/clientlibs/clientlib-analytics.min.js"></script> <script defer src="/etc.clientlibs/unity/core/clientlibs/clientlib-components.min.js"></script> <script defer src="/etc.clientlibs/institute/clientlibs/clientlib-dependencies.min.js"></script> <link rel="shortcut icon" 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class="callout-container callout-container--masthead hasH1"> <div class="callout-container__content callout-container__content--white"> <div class="callout-container__content-wrapper center-xs"> <div class="header "> <h1 class="header__headline header--default "> About Bank of America Institute </h1> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;">We analyze the bank’s proprietary data to develop a deep understanding in near real time of consumer behavior and the economy. Our findings are followed by government and corporate leaders, small business owners and investors.</p> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--layout-container"> <div id="layout_75823" class="layout-container "> <div class="layout-container__content "> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--layout-container"> <div id="layout_16632" class="layout-container "> <div class="layout-container__content container container--mobile"> <div class="row"> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--background-container"> <div class="background-container "> <div class="background-container__content container-fluid background-container--white"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <h2><span class="header--h3">Our unique perspective</span></h2> <p> </p> <p>Our network of trusted partners and expert knowledge of global financial transactions form an unparalleled data set. From this, our Institute team uncovers insights and trends that help people and leaders of today make better decisions, inspiring new visions of how business and society move forward.</p> </div></div> </div> </div></div> </div> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-30 background-container--pb-60"> <div class="background-container__content container-fluid background-container--white"> <div class="aem-wrap--layout-container"> <div id="layout_52839" class="layout-container layout-container--center "> <div class="layout-container__content container--mobile"> <div class="row"> <div class="col col-xs-12 col-sm-3"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;"><span class="color-dark-blue"><span class="header--h2">69</span><span class="header--h3">Million</span><span>Consumer and small <br /> business clients</span></span></p> <p> </p> </div></div> </div> <div class="col col-xs-12 col-sm-3"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;"><span class="color-dark-blue"><span class="header--h2">$1.2</span><span class="header--h3">Trillion</span><span>Consumer and wealth <br /> management deposits in 2024</span></span></p> <p> </p> </div></div> </div> <div class="col col-xs-12 col-sm-3"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;"><span class="color-dark-blue"><span class="header--h2">$4.3</span><span class="header--h3">Trillion</span><span>Total payments in 2024</span></span></p> <p> </p> </div></div> </div> <div class="col col-xs-12 col-sm-3"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;"><span class="color-dark-blue"><span class="header--h2">58</span><span class="header--h3">Million</span><span>Verified digital users</span></span></p> <p> </p> </div></div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-30 background-container--pb-30"> <div class="background-container__content container-fluid background-container--gray"> <div class="aem-wrap--header"> <div class="header header--center"> <h2 class="header__headline header--h1 header--black"> Our key topics </h2> </div></div> <div class="aem-wrap--tile-container"> <div class="tile-container tile-container--icon tile-container--col-3 " data-action="tile-container-component" data-props-initial-load-count="3" data-props-show-items-count="6"> <div class="container"> <div class="tiles row manually-tiles tiles--align-center"> <div class="aem-wrap--tile"> <div class="tile tile--align-center"> <div class="tile__image-container "> <img class="tile__image " src="/content/dam/bank-of-america-institute/icons/economy_icon.svg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--black "> <a class="cta t-track-tile-link js-tile-tag-link" href="/economic-insights.html" data-bactmln="Tile-_-Hyperlink-_-economy_[position]_/economic-insights.html">Economy</a> </h3> <div class="tile__body color-black " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Data-driven trends in consumer behavior that are shaping local and global economies</p> </div> </div> </div> </div> <div class="aem-wrap--tile"> <div class="tile tile--align-center"> <div class="tile__image-container "> <img class="tile__image " src="/content/dam/bank-of-america-institute/icons/sustainability_icon.svg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--black "> <a class="cta t-track-tile-link js-tile-tag-link" href="/sustainability.html" data-bactmln="Tile-_-Hyperlink-_-sustainability_[position]_/sustainability.html">Sustainability</a> </h3> <div class="tile__body color-black " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>How environmental and social initiatives affect businesses, communities and society</p> </div> </div> </div> </div> <div class="aem-wrap--tile"> <div class="tile tile--align-center"> <div class="tile__image-container "> <img class="tile__image " src="/content/dam/bank-of-america-institute/icons/transformation_icon.svg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--black "> <a class="cta t-track-tile-link js-tile-tag-link" href="/transformation.html" data-bactmln="Tile-_-Hyperlink-_-transformation_[position]_/transformation.html">Transformation</a> </h3> <div class="tile__body color-black " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Forward-looking strategies in technology, cybersecurity and other areas redefining business</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--header"> <div class="header header--center"> <h2 class="header__headline header--h1 header--black"> Primary contributors </h2> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;">Our contributors start with data, then bring it to life by looking at what else is happening in the economy and society. The findings uncovered through this approach are making publications like <a href="/consumer-checkpoint.html" target="_self">Consumer Checkpoint</a> required reading.</p> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_46111" class="layout-container column-separator--mobile "> <div class="layout-container__content container container--mobile"> <div class="row"> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--image"> <div id="image_21575" class="image image--single " data-action="image-component"> <div class="image__wrapper image--left"> <div class="image__content"> <picture class="image__picture"> <source srcset="/content/dam/bank-of-america-institute/contributor-headshots/Liz-Everett-Krisberg-Headshot-Horizontal.png" media="(min-width: 75.0625rem)"/> <source srcset="/content/dam/bank-of-america-institute/contributor-headshots/Liz-Everett-Krisberg-Headshot-Horizontal.png" media="(min-width: 64.0625rem)"/> <source srcset="/content/dam/bank-of-america-institute/contributor-headshots/Liz-Everett-Krisberg-Headshot-Horizontal.png" media="(min-width: 48.0625rem)"/> <img class="image__img " src="/content/dam/bank-of-america-institute/contributor-headshots/Liz-Everett-Krisberg-Headshot-Horizontal.png" width="494" height="334" alt="Liz Everett Krisberg" aria-hidden="false"/> </picture> </div> </div> </div> </div> </div> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--hide-mobile separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--header"> <div class="header header--center-mobile"> <h3 class="header__headline header--h2 header--black"> Liz Everett Krisberg </h3> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p>Liz is head of Bank of America Institute and deputy director of BofA Global Research. She has held significant leadership roles across Global Markets and Global Research during more than 20 years at the company. She has a bachelor’s degree from Cornell University and an MBA from The Wharton School.</p> </div> </div></div> <div class="aem-wrap--button"> <uc-button version="v1_3.10.2.2-flagship" class="uc uc-component uc-btn uc-btn__dark-blue uc-btn__full-width uc-btn__left uc-btn__standard "> <a id="standalone-button_explore-liz-s-work" aria-disabled="false" href="/search.html?q=liz+everett+krisberg" target="_blank" data-bactmln="standalone-_-button-_-explore-liz-s-work_-search-html-q-liz-everett-krisberg" class="t-track-body-copy-link "> Explore Liz's work <span class="uc-icon uc-icon-action-right uc-icon-right"></span> </a> </uc-button> </div> </div> </div> </div> </div> </div> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-60 background-container--pb-60"> <div class="background-container__content container-fluid background-container--white"> <div class="aem-wrap--layout-container"> <div id="layout_71890" class="layout-container "> <div class="layout-container__content container container--mobile"> <div class="row"> <div class="col col-xs-12 col-sm-3"> <div class="aem-wrap--content-block"> <div class="content-block content-block--white"> <div class="content-block__image-container"> <img loading="lazy" class="content-block__image" src="/content/dam/bank-of-america-institute/contributor-headshots/David-Tinsley-Headshot.png" width="352" height="335" alt="David Tinsley"/> </div> <div class="content-block__body-container content-block__theme--no-padding"> <div class="content-block__headline"> <span class="content-block__preheadline header__eyebrow header--eyebrow header--blue"></span> <h3 class="content-block__header header--h3 header--blue">David Tinsley </h3> </div> <div class="content-block__body" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>David is the senior economist at the Institute where he uses Bank of America’s breadth of data to provide unique insights into the U.S. economy. Previously, he developed scenarios used by the bank in stress testing. David graduated from University of Cambridge, where he studied economics.</p> </div> <div class="content-block__cta"> </div> </div> </div> </div> <div class="aem-wrap--button"> <uc-button version="v1_3.10.2.2-flagship" class="uc uc-component uc-btn uc-btn__dark-blue uc-btn__full-width uc-btn__left uc-btn__standard "> <a id="standalone-button_explore-david-s-work" aria-disabled="false" href="/search.html?q=david+tinsley" target="_blank" data-bactmln="standalone-_-button-_-explore-david-s-work_-search-html-q-david-tinsley" class="t-track-body-copy-link "> Explore David's work <span class="uc-icon uc-icon-action-right uc-icon-right"></span> </a> </uc-button> </div> </div> <div class="col col-xs-12 col-sm-3"> <div class="aem-wrap--content-block"> <div class="content-block content-block--white"> <div class="content-block__image-container"> <img loading="lazy" class="content-block__image" src="/content/dam/bank-of-america-institute/contributor-headshots/Vanessa-Cook-Headshot.png" width="352" height="335" alt="Vanessa Cook"/> </div> <div class="content-block__body-container content-block__theme--no-padding"> <div class="content-block__headline"> <span class="content-block__preheadline header__eyebrow header--eyebrow header--blue"></span> <h3 class="content-block__header header--h3 header--blue">Vanessa Cook</h3> </div> <div class="content-block__body" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Vanessa is the content strategist for Bank of America Institute, managing the Institute’s editorial agenda, as well as lead contributor elevating content from across the bank. Prior to joining the bank in 2019, she led her own public relations firm. She graduated from the University of Missouri School of Journalism.</p> </div> <div class="content-block__cta"> </div> </div> </div> </div> <div class="aem-wrap--button"> <uc-button version="v1_3.10.2.2-flagship" class="uc uc-component uc-btn uc-btn__dark-blue uc-btn__full-width uc-btn__left uc-btn__standard "> <a id="standalone-button_explore-vanessa-s-work" aria-disabled="false" href="/search.html?q=vanessa+cook" target="_blank" data-bactmln="standalone-_-button-_-explore-vanessa-s-work_-search-html-q-vanessa-cook" class="t-track-body-copy-link "> Explore Vanessa's work <span class="uc-icon uc-icon-action-right uc-icon-right"></span> </a> </uc-button> </div> </div> <div class="col col-xs-12 col-sm-3"> <div class="aem-wrap--content-block"> <div class="content-block content-block--white"> <div class="content-block__image-container"> <img loading="lazy" class="content-block__image" src="/content/dam/bank-of-america-institute/contributor-headshots/JoeWadford_headshot_resized_352x335.jpg" width="352" height="335" alt="Joe Wadford"/> </div> <div class="content-block__body-container content-block__theme--no-padding"> <div class="content-block__headline"> <span class="content-block__preheadline header__eyebrow header--eyebrow header--blue"></span> <h3 class="content-block__header header--h3 header--blue">Joe Wadford</h3> </div> <div class="content-block__body" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Joe is an economist at Bank of America Institute. He joined the bank in 2019 as a quantitative analyst, leveraging internal data to deliver real-time insights into industry and economic risks. He has an MBA from UNC Charlotte where he studied economics and business analytics.</p> </div> <div class="content-block__cta"> </div> </div> </div> </div> <div class="aem-wrap--button"> <uc-button version="v1_3.10.2.2-flagship" class="uc uc-component uc-btn uc-btn__dark-blue uc-btn__full-width uc-btn__left uc-btn__standard "> <a id="standalone-button_explore-joe-s-work" aria-disabled="false" href="/search.html?q=Joe+Wadford" target="_blank" data-bactmln="standalone-_-button-_-explore-joe-s-work_-search-html-q-joe-wadford" class="t-track-body-copy-link "> Explore Joe's work <span class="uc-icon uc-icon-action-right uc-icon-right"></span> </a> </uc-button> </div> </div> <div class="col col-xs-12 col-sm-3"> <div class="aem-wrap--content-block"> <div class="content-block content-block--white"> <div class="content-block__image-container"> <img loading="lazy" class="content-block__image" src="/content/dam/bank-of-america-institute/contributor-headshots/Taylor-Bowley-Headshot.png" width="352" height="335" alt="Taylor Bowley"/> </div> <div class="content-block__body-container content-block__theme--no-padding"> <div class="content-block__headline"> <span class="content-block__preheadline header__eyebrow header--eyebrow header--blue"></span> <h3 class="content-block__header header--h3 header--blue">Taylor Bowley</h3> </div> <div class="content-block__body" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Taylor is an economist at Bank of America Institute. She joined the bank in 2019 and has a bachelor's degree in economics and political science from the University of North Carolina-Chapel Hill.</p> </div> <div class="content-block__cta"> </div> </div> </div> </div> <div class="aem-wrap--button"> <uc-button version="v1_3.10.2.2-flagship" class="uc uc-component uc-btn uc-btn__dark-blue uc-btn__full-width uc-btn__left uc-btn__standard "> <a id="standalone-button_explore-taylor-s-work" aria-disabled="false" href="/search.html?q=taylor+bowley" target="_blank" data-bactmln="standalone-_-button-_-explore-taylor-s-work_-search-html-q-taylor-bowley" class="t-track-body-copy-link "> Explore Taylor's work <span class="uc-icon uc-icon-action-right uc-icon-right"></span> </a> </uc-button> </div> </div> </div> </div> </div> </div> </div> </div></div> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-30 background-container--pb-30"> <div class="background-container__content 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