CINXE.COM

Forbes CIO Next 2024 List - Chief Information Officer & Other Tech Leaders

<!DOCTYPE html><html lang="en"><head><meta charset="utf-8"><meta name="viewport" content="width=device-width,initial-scale=1,maximum-scale=5,minimum-scale=1,user-scalable=yes"><title>Forbes CIO Next 2024 List - Chief Information Officer &amp; Other Tech Leaders</title><script type="text/javascript" src="https://sdk.sharethrough.com/gc.js" data-str-disable-tracking="true" async></script><script>window["forbes"] = window["forbes"] || {}; window["forbes"]["isEurope"] = false</script><script>window["forbes"]["isChina"] = false</script><script>window["forbes"]["isUsDpa"] = false</script><script>window["forbes"]["isUs"] = false</script><script type="text/javascript">var templateType = "premium"; window.forbes = window.forbes || {}; window.forbes.isAdvisor = templateType === 'advisor';// this file is external 3rd party code to initiate header prebidding which comes directly from Medianet // https://forbesmedia.atlassian.net/browse/ADSS-77 /* eslint-disable no-underscore-dangle, camelcase */ window._mNHandle = window._mNHandle || {}; window._mNHandle.queue = window._mNHandle.queue || []; window.medianet_versionId = '3121199'; window.medianet_chnm = ''; window.medianet_chnm2 = ''; window.forbes = window.forbes || {}; window.forbes.fastFetchMedianet = true; (() => { const loadScript = (tagSrc) => { const scriptTag = document.createElement('script'); const placeTag = document.getElementsByTagName('script')[0]; scriptTag.type = 'text/javascript'; scriptTag.async = true; scriptTag.src = tagSrc; placeTag.parentNode.insertBefore(scriptTag, placeTag); }; const loadMedianetManagePrebid = (isMobile) => { window.mnjs = window.mnjs || { customerId: isMobile ? '8CU243I76' : '8CU4ZAPFY', domain: window.location.hostname, version: 1.0, }; /* eslint-disable prefer-template */ const mnjsEndpoint = 'https://warp.media.net/js/tags/clientag.js?' + 'cid=' + window.mnjs.customerId + '&dn=' + window.mnjs.domain + '&version=' + window.mnjs.version; loadScript(mnjsEndpoint); }; /** * gets user agent from navigator info * @param {String} ua user agent from navigator * @param {String} isMobileAndroid for android devices * @param {String} isMobileWindows for windows phone devices * @returns a string representing the user agent */ const getIsMobile = (ua, isMobileAndroid, isMobileWindows) => ua.match(/iP(hone|od)/i) || ua.match(/iPod/i) || ua.match(/BlackBerry/i) || isMobileAndroid || isMobileWindows; const ua = navigator.userAgent; const isMobileAndroid = ua.match(/Android/i) && ua.match(/Mobile/i); const isMobileWindows = ua.match(/Nokia|NOKIA/i) && ua.match(/Symbian|Windows Phone/i); const isMobile = getIsMobile(ua, isMobileAndroid, isMobileWindows); const loadMedianetHeaderBidding = () => { if (window.forbes.isAdvisor) { loadScript('https://contextual.media.net/bidexchange.js?cid=8CU25AH4U'); } else { loadMedianetManagePrebid(isMobile); } }; const loadMedianetAd = () => { const { lastCustomData } = window.forbes; // mnet ad logic here https://docs.google.com/spreadsheets/d/1kI9tKGs1jhu9j4J-RqFKz-TRhxiH3lY-He62on7qkLg/edit#gid=917757669 const brandVoice = ((lastCustomData?.contribType && lastCustomData.contribType === 'AdVoice') || (lastCustomData?.author && lastCustomData.author === 'AdVoice')); const pageType = window.forbes['simple-site']?.adZone; const unpaidContribType = (pageType === 'contribhome' && !brandVoice); // mnet exists on legacy paid content types const legacyPaidContent = lastCustomData['Paid Content'] && !brandVoice; // this returns a string 'true' or 'false' const premiumProfile = window.forbes['simple-site']?.tracking?.premiumProfiles; const isChanSec = ['channel', 'section'].includes(pageType); const isBasicProfile = pageType === 'profile' && (premiumProfile === 'false'); const isHome = window.mnjs?.channel?.includes('home'); const isTopics = window.location.pathname.includes('/topics/'); // only load the mnet ad where it's rendered // search and article on both DT and mobile (not vetted, paid content or premium) const search = window.location.pathname.includes('search'); const article = (!brandVoice && (['live', 'topline', 'standard', 'advisor', 'finds'].includes(window.templateType) || pageType.includes('article/standard') || pageType.includes('article-blue/standard'))) || pageType.includes('masthead') || legacyPaidContent; // mobile specific to home, video page, video standalone, unpaid contrib, unpaid profile, and chansec const requireMobileMnet = isMobile && !brandVoice && ((window.location.pathname.includes('video') || unpaidContribType || isChanSec || isBasicProfile || isHome || legacyPaidContent || isTopics)); if (search || article || requireMobileMnet) { loadScript('https://contextual.media.net/dmedianet.js?cid=8CU2T3HV4&https=1'); } }; /** * check if the _swb_consent_ cookie is loaded * @Todo make the ketch checks on the window so we can call them from there and make sure we dont * lose time in the proccess * we added ketch check to make sure we don't load medianet if the user is in the EU or China * adding the checks here is a temporary solution. * @returns boolean that represents if the cookie is loaded or not */ const checkConsentCookieLoaded = () => !!document.cookie.match(/_swb_consent_=/); /** * get the _swb_consent_ cookie and url decode it to get it ready for parseing * @returns String that has the ketch cookie value */ function getSwbCookieValue() { let cookieValue = false; if (!checkConsentCookieLoaded()) { return cookieValue; } const ketchCookieName = '_swb_consent_='; document.cookie.split(';').forEach((cookie) => { if (cookie.trim().startsWith(ketchCookieName)) { cookieValue = decodeURIComponent(cookie.split('=')[1]); } }); return cookieValue; } /** * get the cookie and parse it into json from base64 string * @returns object that contains the consent details */ function getSwbCookie() { const ketchCookie = getSwbCookieValue(); try { const cookieInfo = window.atob(ketchCookie); return JSON.parse(cookieInfo); } catch (error) { return {}; } } /** * Check if the user gave full consent. * @returns If the user gave full consent. */ function userGaveFullConsent() { const userConsent = getSwbCookie(); if (!userConsent.purposes) { return false; } const purposesKeys = Object.keys(userConsent.purposes); let userConsentPrefrences = true; // safety check for when the cookie is first intialized if (purposesKeys.length === 1) { return false; } purposesKeys.forEach((element) => { if (userConsent.purposes[element].allowed === 'false') { userConsentPrefrences = false; } }); return userConsentPrefrences; } function waitForWindowObject(ss, lcd) { return new Promise((resolve) => { function checkObject() { if (window.forbes[ss] && window.forbes[lcd]) { resolve(); } else { setTimeout(checkObject, 1000); } } checkObject(); }); } if (window.forbes.isEurope || window.forbes.isChina) { if (checkConsentCookieLoaded() && userGaveFullConsent()) { loadMedianetHeaderBidding(); waitForWindowObject('simple-site').then(loadMedianetAd); } } else { loadMedianetHeaderBidding(); waitForWindowObject('simple-site', 'lastCustomData').then(loadMedianetAd); } })(); </script><script type="text/javascript">LUX=function(){function n(){return Date.now?Date.now():+new Date}var r,e=n(),t=window.performance||{},a=t.timing||{navigationStart:(null===(r=window.LUX)||void 0===r?void 0:r.ns)||e};function o(){return t.now?t.now():n()-a.navigationStart}LUX={ac:[],addData:function(n,r){return LUX.cmd(["addData",n,r])},cmd:function(n){return LUX.ac.push(n)},init:function(){return LUX.cmd(["init"])},mark:function(){for(var n=[],r=0;r<arguments.length;r++)n[r]=arguments[r];if(t.mark)return t.mark.apply(t,n);var e=n[0],a=n[1]||{};void 0===a.startTime&&(a.startTime=o());LUX.cmd(["mark",e,a])},markLoadTime:function(){return LUX.cmd(["markLoadTime",o()])},measure:function(){for(var n=[],r=0;r<arguments.length;r++)n[r]=arguments[r];if(t.measure)return t.measure.apply(t,n);var e,a=n[0],i=n[1],u=n[2];e="object"==typeof i?n[1]:{start:i,end:u};e.duration||e.end||(e.end=o());LUX.cmd(["measure",a,e])},send:function(){return LUX.cmd(["send"])},ns:e};var i=LUX;if(window.LUX_ae=[],window.addEventListener("error",(function(n){window.LUX_ae.push(n)})),window.LUX_al=[],"function"==typeof PerformanceObserver&&"function"==typeof PerformanceLongTaskTiming){var u=new PerformanceObserver((function(n){for(var r=n.getEntries(),e=0;e<r.length;e++)window.LUX_al.push(r[e])}));try{u.observe({type:"longtask"})}catch(n){}}return i}(); LUX = window.LUX || {}; LUX.samplerate = 2; LUX.label = 'article-desktop-a'; if(true) LUX.addData('ss-gitBranch', 'main'); if(true) LUX.addData('ss-bucket', 'A'); if('A' === 'A') LUX.addData('ss-is-canary', 'false'); if(true) LUX.addData('ss-pageType', 'article'); if(true) LUX.addData('ss-articleTemplateType', 'premium'); if('premium' === 'premium') if(false) LUX.addData('ss-articleTemplateSubType', '') else LUX.addData('ss-articleTemplateSubType', 'none') LUX.addData('ss-is-next-js', false);</script><script type="text/javascript" src="https://cdn.speedcurve.com/js/lux.js?id=22432108" async></script><script type="text/javascript">function setupVwo() { window._vwo_code = window._vwo_code || (function () { var account_id = 707023, version = 1.5, settings_tolerance = 2000, library_tolerance = 2500, use_existing_jquery = false, is_spa = 1, hide_element = 'body', hide_element_style = 'opacity:0 !important;filter:alpha(opacity=0) !important;background:none !important', /* DO NOT EDIT BELOW THIS LINE */ f = false, d = document, vwoCodeEl = d.querySelector('#vwoCode'), code = { use_existing_jquery: function () { return use_existing_jquery }, library_tolerance: function () { return library_tolerance }, hide_element_style: function () { return '{' + hide_element_style + '}' }, finish: function () { if (!f) { f = true; var e = d.getElementById('_vis_opt_path_hides'); if (e) e.parentNode.removeChild(e) } }, finished: function () { return f }, load: function (e) { var t = d.createElement('script'); t.fetchPriority = 'high'; t.src = e; t.type = 'text/javascript'; t.onerror = function () { _vwo_code.finish() }; d.getElementsByTagName('head')[0].appendChild(t) }, getVersion: function () { return version }, getMatchedCookies: function (e) { var t = []; if (document.cookie) { t = document.cookie.match(e) || [] } return t }, getCombinationCookie: function () { var e = code.getMatchedCookies(/(?:^|;)\s?(_vis_opt_exp_\d+_combi=[^;$]*)/gi); e = e.map(function (e) { try { var t = decodeURIComponent(e); if (!/_vis_opt_exp_\d+_combi=(?:\d+,?)+\s*$/.test(t)) { return '' } return t } catch (e) { return '' } }); var i = []; e.forEach(function (e) { var t = e.match(/([\d,]+)/g); t && i.push(t.join('-')) }); return i.join('|') }, init: function () { if (d.URL.indexOf('__vwo_disable__') > -1) return; window.settings_timer = setTimeout(function () { _vwo_code.finish() }, settings_tolerance); var e = d.createElement('style'), t = hide_element ? hide_element + '{' + hide_element_style + '}' : '', i = d.getElementsByTagName('head')[0]; e.setAttribute('id', '_vis_opt_path_hides'); vwoCodeEl && e.setAttribute('nonce', vwoCodeEl.nonce); e.setAttribute('type', 'text/css'); if (e.styleSheet) e.styleSheet.cssText = t; else e.appendChild(d.createTextNode(t)); i.appendChild(e); var n = this.getCombinationCookie(); this.load('https://dev.visualwebsiteoptimizer.com/j.php?a=' + account_id + '&u=' + encodeURIComponent(d.URL) + '&f=' + +is_spa + '&vn=' + version + (n ? '&c=' + n : '')); return settings_timer } }; window._vwo_settings_timer = code.init(); return code; }()); } </script><script id="vwoPreview" type="text/javascript">const urlParams = new URLSearchParams(window.location.search); // _vis_test_id is set from preview link let shouldLoadVwo = !!urlParams.get('_vis_test_id'); if(window.name) { try { const vwoJson = JSON.parse(window.name); const previewObj = Object.keys(vwoJson)[0]; // _vis_preview is set when you click preview button on VWO platform if (previewObj.startsWith('_vis_preview')) { shouldLoadVwo = true; } } catch (e) { console.warn("invalid vwo preview"); } } if(shouldLoadVwo){ // set vwo cookie so it loads quicker on next page load (with server check above) // 9999 is used to signify very long time, browser will set this to something like 400 days document.cookie = "VWO=0.1; expires=Fri, 31 Dec 9999 23:59:59 GMT; path=/"; setupVwo(); }</script><script>window["forbes"]["meta"] = window["forbes"]["meta"] || {}; window["forbes"]["meta"]["url"] = 'undefined'</script><script>window["forbes"]["meta"] = window["forbes"]["meta"] || {}; window["forbes"]["meta"]["canonicalUrl"] = 'https://www.forbes.com/sites/richardnieva/2024/11/19/the-forbes-cio-next-list-2024/'</script><style type="text/css">/*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) */fbs-carousel{display:block}.fbs-slider{max-width:100%;position:relative;width:100%}.fbs-slider--initialized .fbs-slider__controls{display:block}.fbs-slider--initialized .fbs-slider__slide{float:left;min-height:1px;overflow:hidden}.fbs-slider--no-controls .fbs-slider__controls{display:none}.fbs-slider__slides-wrapper{margin:0 80px;overflow:hidden}.fbs-slider__slides{transition:none}.fbs-slider__slides.is-animating{transition:all .5s ease}.fbs-slider__controls{display:none}.fbs-slider__controls button{background:#181716;border-radius:50%;box-shadow:0 0 50px #0003;color:#fff;cursor:pointer;display:flex;height:64px;justify-content:center;opacity:.7;position:absolute;top:45%;width:64px}.fbs-slider__controls button.disabled{color:#ccc}.fbs-slider__controls .fbs-slider__control-left{left:30px}.fbs-slider__controls .fbs-slider__control-right{right:30px}.fbs-slider__controls .fs-icon{fill:currentColor;width:24px}@media (max-width:1023px)and (min-width:769px){.fbs-slider__controls .fbs-slider__control-left{left:15px}.fbs-slider__controls .fbs-slider__control-right{right:15px}}fbs-accordion>*{overflow:hidden}fbs-accordion [aria-expanded=false]{height:1.25em}fbs-accordion [aria-expanded=true]{height:100%}fbs-embedly{display:block;height:0;margin:0;overflow:hidden;padding-bottom:67.5%;position:relative;width:100%}fbs-embedly iframe{border:0;height:100%;left:0;position:absolute;top:0;width:100%}@font-face{font-family:Graphik Regular;font-style:normal;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Regular-Web.woff2) format("woff2"),url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Regular-Web.woff) format("woff")}fbs-pricing{display:block}fbs-pricing div{align-items:center;display:inline-flex;flex-wrap:wrap}fbs-pricing .fbs-pricing__regular-price,fbs-pricing .fbs-pricing__sale-price{color:#333;font-size:20px;font-weight:600;margin-right:5px}fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price{font-weight:400;text-decoration:line-through}fbs-pricing .fbs-pricing__savings{color:#e50b16;font-size:14px;font-weight:600;margin-left:5px;text-transform:uppercase}fbs-pricing .fbs-pricing__vendors-container{align-items:flex-start;display:block;flex-direction:column;width:100%}fbs-pricing .fbs-pricing__vendors-wrapper{flex-direction:column}fbs-pricing .fbs-pricing__vendors-wrapper .finds-embed{min-width:285px}fbs-pricing p.fbs-pricing__vendor-name{border:unset;border-radius:unset;color:#737373;font-size:12px;font-weight:600;letter-spacing:-.2px;line-height:16px;margin:0;padding-bottom:7px;padding-top:3px;text-transform:uppercase;width:100%}fbs-pricing .fbs-pricing__prime-exclusive-wrapper{align-items:start;display:flex;flex-direction:column}fbs-pricing .fbs-pricing__prime-exclusive-wrapper>span.fbs-pricing__prime-exclusive-text{color:#1399ff;font:600 12px/15px Graphik Regular,serif;text-transform:uppercase}fbs-pricing .fbs-pricing__prime-exclusive-wrapper>p.fbs-pricing__prime-exclusive-limit-info{color:#333;font-size:12px;font-weight:400;letter-spacing:-.2px;line-height:22px;margin:0}@media (max-width:480px){fbs-pricing .fbs-pricing__regular-price,fbs-pricing .fbs-pricing__sale-price{font-size:16px}fbs-pricing .fbs-pricing__savings{font-size:12px}fbs-pricing .fbs-pricing__prime-exclusive-wrapper>p.fbs-pricing__prime-exclusive-limit-info,fbs-pricing .fbs-pricing__prime-exclusive-wrapper>span.fbs-pricing__prime-exclusive-text{font-size:10px}}@font-face{font-display:swap;font-family:Merriweather;font-style:italic;font-weight:700;src:local("Merriweather Bold Italic"),local("Merriweather-BoldItalic"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bolditalic-webfont.woff2) format("woff2"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bolditalic-webfont.woff) format("woff")}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:700;src:local("Merriweather Bold"),local("Merriweather-Bold"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2) format("woff2"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff) format("woff")}@font-face{font-display:swap;font-family:Merriweather;font-style:italic;font-weight:400;src:local("Merriweather Italic"),local("Merriweather-Italic"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-italic-webfont.woff2) format("woff2"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-italic-webfont.woff) format("woff")}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:400;src:local("Merriweather"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2) format("woff2"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff) format("woff")}fbs-cordial{vertical-align:middle}fbs-cordial .follow-button,fbs-cordial .unfollow-button{background-color:#fff;border:1px solid #007ac8;border-radius:8px;color:#333;font:600 14px/1.57 Work Sans,sans-serif;line-height:22px;padding:9px 17px}fbs-cordial .follow-button:focus-visible,fbs-cordial .unfollow-button:focus-visible{box-shadow:0 0 0 1px #fcfcfc,0 0 0 2px #007ac8;outline-style:none}fbs-cordial .follow-button{background-color:#007ac8;color:#fff}@media(hover){fbs-cordial .follow-button:hover{background-color:#0069b2}}fbs-cordial .unfollow-button{background-color:#fcfcfc;color:#007ac8}@media(hover){fbs-cordial .unfollow-button:hover{box-shadow:0 0 0 1px #007ac8}}/*! normalize.css v5.0.0 | MIT License | github.com/necolas/normalize.css *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) *//*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) */.container{margin-left:auto;margin-right:auto;padding-left:15px;padding-right:15px}.container:after,.container:before{content:" ";display:table}.container:after{clear:both}@media(min-width:768px){.container{width:750px}}@media(min-width:1024px){.container{width:970px}}@media(min-width:1230px){.container{width:1170px}}.container-fluid{margin-left:auto;margin-right:auto;padding-left:15px;padding-right:15px}.container-fluid:after,.container-fluid:before{content:" ";display:table}.container-fluid:after{clear:both}.row{margin-left:-15px;margin-right:-15px}.row:after,.row:before{content:" ";display:table}.row:after{clear:both}.col-lg-1,.col-lg-10,.col-lg-11,.col-lg-12,.col-lg-2,.col-lg-3,.col-lg-4,.col-lg-5,.col-lg-6,.col-lg-7,.col-lg-8,.col-lg-9,.col-md-1,.col-md-10,.col-md-11,.col-md-12,.col-md-2,.col-md-3,.col-md-4,.col-md-5,.col-md-6,.col-md-7,.col-md-8,.col-md-9,.col-sm-1,.col-sm-10,.col-sm-11,.col-sm-12,.col-sm-2,.col-sm-3,.col-sm-4,.col-sm-5,.col-sm-6,.col-sm-7,.col-sm-8,.col-sm-9,.col-xs-1,.col-xs-10,.col-xs-11,.col-xs-12,.col-xs-2,.col-xs-3,.col-xs-4,.col-xs-5,.col-xs-6,.col-xs-7,.col-xs-8,.col-xs-9{min-height:1px;padding-left:15px;padding-right:15px;position:relative}.col-xs-1,.col-xs-10,.col-xs-11,.col-xs-12,.col-xs-2,.col-xs-3,.col-xs-4,.col-xs-5,.col-xs-6,.col-xs-7,.col-xs-8,.col-xs-9{float:left}.col-xs-1{width:8.3333333333%}.col-xs-2{width:16.6666666667%}.col-xs-3{width:25%}.col-xs-4{width:33.3333333333%}.col-xs-5{width:41.6666666667%}.col-xs-6{width:50%}.col-xs-7{width:58.3333333333%}.col-xs-8{width:66.6666666667%}.col-xs-9{width:75%}.col-xs-10{width:83.3333333333%}.col-xs-11{width:91.6666666667%}.col-xs-12{width:100%}.col-xs-pull-0{right:auto}.col-xs-pull-1{right:8.3333333333%}.col-xs-pull-2{right:16.6666666667%}.col-xs-pull-3{right:25%}.col-xs-pull-4{right:33.3333333333%}.col-xs-pull-5{right:41.6666666667%}.col-xs-pull-6{right:50%}.col-xs-pull-7{right:58.3333333333%}.col-xs-pull-8{right:66.6666666667%}.col-xs-pull-9{right:75%}.col-xs-pull-10{right:83.3333333333%}.col-xs-pull-11{right:91.6666666667%}.col-xs-pull-12{right:100%}.col-xs-push-0{left:auto}.col-xs-push-1{left:8.3333333333%}.col-xs-push-2{left:16.6666666667%}.col-xs-push-3{left:25%}.col-xs-push-4{left:33.3333333333%}.col-xs-push-5{left:41.6666666667%}.col-xs-push-6{left:50%}.col-xs-push-7{left:58.3333333333%}.col-xs-push-8{left:66.6666666667%}.col-xs-push-9{left:75%}.col-xs-push-10{left:83.3333333333%}.col-xs-push-11{left:91.6666666667%}.col-xs-push-12{left:100%}.col-xs-offset-0{margin-left:0}.col-xs-offset-1{margin-left:8.3333333333%}.col-xs-offset-2{margin-left:16.6666666667%}.col-xs-offset-3{margin-left:25%}.col-xs-offset-4{margin-left:33.3333333333%}.col-xs-offset-5{margin-left:41.6666666667%}.col-xs-offset-6{margin-left:50%}.col-xs-offset-7{margin-left:58.3333333333%}.col-xs-offset-8{margin-left:66.6666666667%}.col-xs-offset-9{margin-left:75%}.col-xs-offset-10{margin-left:83.3333333333%}.col-xs-offset-11{margin-left:91.6666666667%}.col-xs-offset-12{margin-left:100%}@media(min-width:768px){.col-sm-1,.col-sm-10,.col-sm-11,.col-sm-12,.col-sm-2,.col-sm-3,.col-sm-4,.col-sm-5,.col-sm-6,.col-sm-7,.col-sm-8,.col-sm-9{float:left}.col-sm-1{width:8.3333333333%}.col-sm-2{width:16.6666666667%}.col-sm-3{width:25%}.col-sm-4{width:33.3333333333%}.col-sm-5{width:41.6666666667%}.col-sm-6{width:50%}.col-sm-7{width:58.3333333333%}.col-sm-8{width:66.6666666667%}.col-sm-9{width:75%}.col-sm-10{width:83.3333333333%}.col-sm-11{width:91.6666666667%}.col-sm-12{width:100%}.col-sm-pull-0{right:auto}.col-sm-pull-1{right:8.3333333333%}.col-sm-pull-2{right:16.6666666667%}.col-sm-pull-3{right:25%}.col-sm-pull-4{right:33.3333333333%}.col-sm-pull-5{right:41.6666666667%}.col-sm-pull-6{right:50%}.col-sm-pull-7{right:58.3333333333%}.col-sm-pull-8{right:66.6666666667%}.col-sm-pull-9{right:75%}.col-sm-pull-10{right:83.3333333333%}.col-sm-pull-11{right:91.6666666667%}.col-sm-pull-12{right:100%}.col-sm-push-0{left:auto}.col-sm-push-1{left:8.3333333333%}.col-sm-push-2{left:16.6666666667%}.col-sm-push-3{left:25%}.col-sm-push-4{left:33.3333333333%}.col-sm-push-5{left:41.6666666667%}.col-sm-push-6{left:50%}.col-sm-push-7{left:58.3333333333%}.col-sm-push-8{left:66.6666666667%}.col-sm-push-9{left:75%}.col-sm-push-10{left:83.3333333333%}.col-sm-push-11{left:91.6666666667%}.col-sm-push-12{left:100%}.col-sm-offset-0{margin-left:0}.col-sm-offset-1{margin-left:8.3333333333%}.col-sm-offset-2{margin-left:16.6666666667%}.col-sm-offset-3{margin-left:25%}.col-sm-offset-4{margin-left:33.3333333333%}.col-sm-offset-5{margin-left:41.6666666667%}.col-sm-offset-6{margin-left:50%}.col-sm-offset-7{margin-left:58.3333333333%}.col-sm-offset-8{margin-left:66.6666666667%}.col-sm-offset-9{margin-left:75%}.col-sm-offset-10{margin-left:83.3333333333%}.col-sm-offset-11{margin-left:91.6666666667%}.col-sm-offset-12{margin-left:100%}}@media(min-width:1024px){.col-md-1,.col-md-10,.col-md-11,.col-md-12,.col-md-2,.col-md-3,.col-md-4,.col-md-5,.col-md-6,.col-md-7,.col-md-8,.col-md-9{float:left}.col-md-1{width:8.3333333333%}.col-md-2{width:16.6666666667%}.col-md-3{width:25%}.col-md-4{width:33.3333333333%}.col-md-5{width:41.6666666667%}.col-md-6{width:50%}.col-md-7{width:58.3333333333%}.col-md-8{width:66.6666666667%}.col-md-9{width:75%}.col-md-10{width:83.3333333333%}.col-md-11{width:91.6666666667%}.col-md-12{width:100%}.col-md-pull-0{right:auto}.col-md-pull-1{right:8.3333333333%}.col-md-pull-2{right:16.6666666667%}.col-md-pull-3{right:25%}.col-md-pull-4{right:33.3333333333%}.col-md-pull-5{right:41.6666666667%}.col-md-pull-6{right:50%}.col-md-pull-7{right:58.3333333333%}.col-md-pull-8{right:66.6666666667%}.col-md-pull-9{right:75%}.col-md-pull-10{right:83.3333333333%}.col-md-pull-11{right:91.6666666667%}.col-md-pull-12{right:100%}.col-md-push-0{left:auto}.col-md-push-1{left:8.3333333333%}.col-md-push-2{left:16.6666666667%}.col-md-push-3{left:25%}.col-md-push-4{left:33.3333333333%}.col-md-push-5{left:41.6666666667%}.col-md-push-6{left:50%}.col-md-push-7{left:58.3333333333%}.col-md-push-8{left:66.6666666667%}.col-md-push-9{left:75%}.col-md-push-10{left:83.3333333333%}.col-md-push-11{left:91.6666666667%}.col-md-push-12{left:100%}.col-md-offset-0{margin-left:0}.col-md-offset-1{margin-left:8.3333333333%}.col-md-offset-2{margin-left:16.6666666667%}.col-md-offset-3{margin-left:25%}.col-md-offset-4{margin-left:33.3333333333%}.col-md-offset-5{margin-left:41.6666666667%}.col-md-offset-6{margin-left:50%}.col-md-offset-7{margin-left:58.3333333333%}.col-md-offset-8{margin-left:66.6666666667%}.col-md-offset-9{margin-left:75%}.col-md-offset-10{margin-left:83.3333333333%}.col-md-offset-11{margin-left:91.6666666667%}.col-md-offset-12{margin-left:100%}}@media(min-width:1230px){.col-lg-1,.col-lg-10,.col-lg-11,.col-lg-12,.col-lg-2,.col-lg-3,.col-lg-4,.col-lg-5,.col-lg-6,.col-lg-7,.col-lg-8,.col-lg-9{float:left}.col-lg-1{width:8.3333333333%}.col-lg-2{width:16.6666666667%}.col-lg-3{width:25%}.col-lg-4{width:33.3333333333%}.col-lg-5{width:41.6666666667%}.col-lg-6{width:50%}.col-lg-7{width:58.3333333333%}.col-lg-8{width:66.6666666667%}.col-lg-9{width:75%}.col-lg-10{width:83.3333333333%}.col-lg-11{width:91.6666666667%}.col-lg-12{width:100%}.col-lg-pull-0{right:auto}.col-lg-pull-1{right:8.3333333333%}.col-lg-pull-2{right:16.6666666667%}.col-lg-pull-3{right:25%}.col-lg-pull-4{right:33.3333333333%}.col-lg-pull-5{right:41.6666666667%}.col-lg-pull-6{right:50%}.col-lg-pull-7{right:58.3333333333%}.col-lg-pull-8{right:66.6666666667%}.col-lg-pull-9{right:75%}.col-lg-pull-10{right:83.3333333333%}.col-lg-pull-11{right:91.6666666667%}.col-lg-pull-12{right:100%}.col-lg-push-0{left:auto}.col-lg-push-1{left:8.3333333333%}.col-lg-push-2{left:16.6666666667%}.col-lg-push-3{left:25%}.col-lg-push-4{left:33.3333333333%}.col-lg-push-5{left:41.6666666667%}.col-lg-push-6{left:50%}.col-lg-push-7{left:58.3333333333%}.col-lg-push-8{left:66.6666666667%}.col-lg-push-9{left:75%}.col-lg-push-10{left:83.3333333333%}.col-lg-push-11{left:91.6666666667%}.col-lg-push-12{left:100%}.col-lg-offset-0{margin-left:0}.col-lg-offset-1{margin-left:8.3333333333%}.col-lg-offset-2{margin-left:16.6666666667%}.col-lg-offset-3{margin-left:25%}.col-lg-offset-4{margin-left:33.3333333333%}.col-lg-offset-5{margin-left:41.6666666667%}.col-lg-offset-6{margin-left:50%}.col-lg-offset-7{margin-left:58.3333333333%}.col-lg-offset-8{margin-left:66.6666666667%}.col-lg-offset-9{margin-left:75%}.col-lg-offset-10{margin-left:83.3333333333%}.col-lg-offset-11{margin-left:91.6666666667%}.col-lg-offset-12{margin-left:100%}}/*! * Bootstrap v3.3.7 (http://getbootstrap.com) * Copyright 2011-2016 Twitter, Inc. * Licensed under MIT (https://github.com/twbs/bootstrap/blob/master/LICENSE) */.clearfix:after,.clearfix:before{content:" ";display:table}.clearfix:after{clear:both}.pull-right{float:right!important}.pull-left{float:left!important}.fs-hidden{display:none!important}.fs-clearfix:after,.fs-clearfix:before{content:" ";display:table}.fs-clearfix:after{clear:both}.fs-card{padding:1em 0}.fs-card:after,.fs-card:before{content:" ";display:table}.fs-card:after{clear:both}.fs-card-metric{color:gray;display:block;font-size:.75rem;font-weight:400;line-height:1;margin-bottom:1em}.fs-card-metric span{margin-right:1.5em}.fs-card-metric-type{color:#999;font-weight:700}.fs-card-metric-time{color:#666;font-style:italic}.fs-card-metric-views{color:#333}.fs-card-thumb{float:left;margin-right:1em;max-width:200px;width:20%}.fs-card--basic .fs-card-thumb:after{background:gray;content:"";display:block;padding-top:100%;width:100%}.fs-card-info{overflow:auto}.fs-author{display:block;font-style:normal}.fs-author:after,.fs-author:before{content:" ";display:table}.fs-author:after{clear:both}.fs-author-avatar{float:left;margin-right:1em;max-width:1em;position:relative;width:20%}.fs-author-image{border:1px solid #00000026;border-radius:50%;max-width:100%;overflow:hidden}.fs-author-badge{bottom:0;font-size:.875rem;font-weight:400;position:absolute;right:0}.fs-author-badge .icon-flame{background:#ffc000;border-radius:50%;display:inline-block;height:1.5em;line-height:1.5em;text-align:center;width:1.5em}.fs-author-name{font-weight:700}.fs-author--inline{margin-top:.5em}.fs-author--inline .fs-author-info{line-height:1em}.fs-author--inline .fs-author-avatar{margin-right:.5em}.fs-author--inline .fs-author-byline{font-size:.75rem;font-weight:400}.fs-author--inline .fs-author-title{margin-left:.5em}.fs-card-description{color:#4d4d4d;display:none;font-size:.75em;line-height:1.5;margin:.5em 0 0;overflow:auto}@media(min-width:768px){.fs-card-description{display:block}}.fs-card--dark{color:#fff}.fs-card--dark .fs-author-title .icon-staff-verified{color:#ffffffb3}.fs-card--cover .fs-card-content{overflow:hidden;position:relative}.fs-card--cover .fs-card-content:before{content:"";display:block;padding-bottom:56.25%}.fs-card--cover .fs-card-thumb{bottom:0;float:none;left:0;margin-right:auto;max-width:none;position:absolute;right:0;top:0;width:100%}.fs-card--cover .fs-card-thumb:after{background-image:linear-gradient(180deg,#0000,#000c);bottom:0;content:"";left:0;position:absolute;right:0;top:-2em}.fs-card--cover .fs-card-info{bottom:0;left:0;padding:1em;position:absolute;right:0;z-index:1}.fs-card--cover .fs-headline{font-size:1.25em}.fs-card--cover .fs-card-thumb{background-size:cover}.fs-text-link{-webkit-tap-highlight-color:rgba(0,0,0,0);background-image:linear-gradient(#00389180,#00389180);background-position:0 1.2em;background-repeat:repeat-x;background-size:1px 1px;color:#003891;cursor:pointer;text-decoration:none}.fs-text-link *,.fs-text-link :after,.fs-text-link :before,.fs-text-link:after,.fs-text-link:before{text-shadow:none}.fs-text-link:visited{color:#003891}.fs-text-link:hover{background-image:linear-gradient(#003891,#003891)}@media(min-width:48rem){.fs-text-link{background-position:0 1.3em}}body{font-size:.9375em}@media(min-width:480px){body{font-size:calc(.9375em + .32609vw - 1.56522px)}}@media(min-width:1400px){body{font-size:1.125em}}h1,h2,h3,h4,h5,h6,li,ol,ul{-webkit-margin-before:0;-webkit-margin-after:0}.fs-text-xxl,h1{font-size:2.5rem;font-weight:400}.fs-text-xl,h2{font-size:2rem;font-weight:400;line-height:2.2rem}.fs-text-l,h3{font-size:1.5rem;font-weight:400}.fs-text-m,h4{font-size:1.25rem;font-weight:400}.fs-text-s,h5{font-size:.875rem;font-weight:400}.fs-text-xs,h6{font-size:.75rem;font-weight:400}.fs-text-xxs,small{font-size:.625rem;font-weight:400}.fs-text-xxl.fs-responsive-text,h1.fs-responsive-text{font-size:2.5em}.fs-text-xl.fs-responsive-text,h2.fs-responsive-text{font-size:2em}.fs-text-l.fs-responsive-text,h3.fs-responsive-text{font-size:1.5em}.fs-text-m.fs-responsive-text,h4.fs-responsive-text{font-size:1.25em}.fs-text-s.fs-responsive-text,h5.fs-responsive-text{font-size:.875em}.fs-text-xs.fs-responsive-text,h6.fs-responsive-text{font-size:.75em}.fs-text-xxs.fs-responsive-text{font-size:.625em}.fs-headline{font-family:Merriweather,GeorgiaCustom;font-weight:700;line-height:2.75rem;margin:0}.fs-text-margin{margin:1.6rem 0}ul{-webkit-padding-start:0;list-style:none}button,input,optgroup,select,textarea{font-family:inherit}.premium fbs-ad,.quill-ad{margin-bottom:20px}.fs-article .atmospheric-video-wrapper,.fs-article .brightcove-video-wrapper{clear:both}.fs-article .atmospheric-video-embed{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%;height:0;margin-bottom:19px;position:relative;width:100%}.fs-article .atmospheric-video-embed video{display:inline-block;left:0;position:absolute;top:0;width:100%}.fs-article .atmospheric-video-wrapper figcaption{margin-top:8px}.fs-article .atmospheric-video-wrapper p{font:normal 12px/18px Graphik,Helvetica;margin:0}.fs-article .atmospheric-video-wrapper .caption-text{margin:0 8px 0 0}.fs-article .atmospheric-video-wrapper .credit-text{font:normal 10px/20px Graphik,Helvetica;text-transform:uppercase}.fs-article .atmospheric-video-wrapper.alignleft{float:left;margin:0 3.5% 1.75% 0;width:40%}.fs-article .atmospheric-video-wrapper.alignright{float:right;margin:0 0 1.75% 3.5%;width:40%}.fs-article .brightcove-video-wrapper.alignleft{float:left;margin:0 3.5% 1.75% 0;width:40%}.fs-article .brightcove-video-wrapper.alignright{float:right;margin:0 0 1.75% 3.5%;width:40%}@media(max-width:480px){.fs-article .brightcove-video-wrapper.alignleft,.fs-article .brightcove-video-wrapper.alignright{float:none;margin:0;width:100%}.fs-article .atmospheric-video-wrapper.alignleft,.fs-article .atmospheric-video-wrapper.alignright{float:none;margin:0 0 12px;width:100%}}.fs-article .drop-cap{display:block;float:left;font:400 100px/85px Graphik,Helvetica;margin-right:12px;padding-top:5px;text-align:center;top:0}.inner-contain .drop-cap{font-size:80px;line-height:72px;margin-right:8px}.fs-article .embed-base{clear:both;margin-bottom:19px}@media(max-width:480px){.fs-article .embed-base{margin-bottom:12px}.advisor-module-content--offset .embed-base{width:100%}}.fs-article .embedly-align{clear:both}.fs-article .embedly-align.tiktok-align{min-width:325px}.fs-article .embedly-embed{height:100%;left:0;position:absolute;top:0;width:100%}.fs-article .embedly-wrap{height:0;position:relative;width:100%}.fs-article h2.faqs-title,.ql-editor h2.faqs-title{border-bottom:1px solid #e3e3e3;color:inherit;font:600 26px/32px Euclid,Graphik,serif;margin:0;padding:19px 0;width:100%}.faq-container{border-bottom:1px solid #e3e3e3;transition:height .3s ease;width:100%}.fs-article .faq-question>h3,.ql-editor .faq-question>h3{color:#333;font:600 1rem/22px Graphik,Helvetica;margin:24px 0 16px}.question-container{align-items:center;display:flex;justify-content:space-between}.question-container .svg-arrow{fill:currentColor;cursor:pointer;display:inline-block;height:24px;min-width:24px;transition:transform 333ms ease-out}.faq-answer{color:#333;display:none;font-family:Georgia,Cambria,Times New Roman,Times,serif;font-size:18px}.faq-answer.open{display:block}.faq-answer p{margin:0 0 16px}@media (max-width:480px){.question-container .svg-arrow{transition:none}.faqs-title{font-size:24px;line-height:30px}.fs-article .faq-question>h3{margin:24px 0}}.fs-article .embed-base.image-embed.alignleft{float:left;margin:0 5.5% 1.75% 0;width:40%}.fs-article .embed-base.image-embed.alignright{float:right;margin:0 0 1.75% 5.5%;width:40%}.fs-article .finds-embed{background:#d40000;border-radius:8px;clear:both;display:flex;margin-top:19px;max-width:310px;min-height:48px;padding:8px 16px;text-decoration:none}.fs-article .finds-embed:active,.fs-article .finds-embed:link,.fs-article .finds-embed:visited{text-decoration:none}.fs-article .finds-embed:hover{background:#c6102f;filter:brightness(.9);text-decoration:none}.fs-article .finds-embed button{background-color:inherit;border:0;color:#fff;font:600 14px/22px Graphik,Helvetica;text-align:center;width:100%}.fs-article .finds-embed:not(.color-embed-premium) button{font-size:16px}.fs-article .finds-embed.color-embed-forbes-advisor{background:#35b782}.fs-article .advisor-module-wrapper--offset .sponsored-label,.fs-article .finds-module-wrapper--offset .sponsored-label{color:#1c1f69;line-height:20px}.fs-article .advisor-module-wrapper--offset .module-header-2,.fs-article .finds-module-wrapper--offset .module-header-2{box-sizing:border-box;margin-bottom:0;margin-top:0}.fs-article .advisor-module-wrapper .sponsored-label,.fs-article .finds-module-wrapper .sponsored-label{color:#1c1f69;display:block;font:600 16px/22px Graphik,Helvetica;text-align:end}.fs-article .advisor-module-embed .finds-module-description ol,.fs-article .advisor-module-embed .finds-module-description p,.fs-article .advisor-module-embed .finds-module-description ul,.fs-article .finds-module-embed .finds-module-description ol,.fs-article .finds-module-embed .finds-module-description p,.fs-article .finds-module-embed .finds-module-description ul{padding-top:16px}.fs-article .advisor-module-embed .advisor-module-content,.fs-article .finds-module-embed:not(.finds-module-embed--sponsored) .finds-module-content{border:1px solid #e2e2e2}.fs-article .finds-module-embed--sponsored .finds-module-wrapper{background-color:#f2f2f2;padding:10px 16px 16px}.fs-article .finds-module-embed--sponsored .finds-module-description p{background-color:#f2f2f2;padding:16px 0 0}.fs-article .advisor-module-wrapper,.fs-article .finds-module-wrapper{position:relative}.fs-article .advisor-module-wrapper .module-header-2,.fs-article .finds-module-wrapper .module-header-2{font:700 24px/1.25 Merriweather,GeorgiaCustom;margin:0 0 5px}.fs-article .advisor-module-wrapper .module-header-3,.fs-article .finds-module-wrapper .module-header-3{font:600 18px/1.67 Graphik,Helvetica;margin:5px 0 16px}.fs-article .advisor-module-wrapper .advisor-module-content,.fs-article .advisor-module-wrapper .finds-module-content,.fs-article .advisor-module-wrapper .image-embed,.fs-article .finds-module-wrapper .advisor-module-content,.fs-article .finds-module-wrapper .finds-module-content,.fs-article .finds-module-wrapper .image-embed{background-color:#fff}.fs-article .advisor-module-wrapper .image-embed .mobile-image-wrapper,.fs-article .advisor-module-wrapper .image-embed amp-img,.fs-article .finds-module-wrapper .image-embed .mobile-image-wrapper,.fs-article .finds-module-wrapper .image-embed amp-img{margin:auto;max-height:420px;max-width:420px}.fs-article .advisor-module-wrapper .wp-credit-text,.fs-article .finds-module-wrapper .wp-credit-text{display:block;padding:8px 8px 0;text-align:right}.fs-article .advisor-module-wrapper .advisor-module-description p,.fs-article .advisor-module-wrapper .advisor-module-embed .finds-embed,.fs-article .advisor-module-wrapper .finds-module-description p,.fs-article .advisor-module-wrapper .finds-module-embed .finds-embed,.fs-article .advisor-module-wrapper figure,.fs-article .advisor-module-wrapper finds-embed,.fs-article .finds-module-wrapper .advisor-module-description p,.fs-article .finds-module-wrapper .advisor-module-embed .finds-embed,.fs-article .finds-module-wrapper .finds-module-description p,.fs-article .finds-module-wrapper .finds-module-embed .finds-embed,.fs-article .finds-module-wrapper figure,.fs-article .finds-module-wrapper finds-embed{margin:0}.fs-article .advisor-module-wrapper .advisor-module-info,.fs-article .advisor-module-wrapper .finds-module-info,.fs-article .finds-module-wrapper .advisor-module-info,.fs-article .finds-module-wrapper .finds-module-info{background-color:#fff;padding:0 24px 24px}.fs-article .advisor-module-wrapper .advisor-module-info .advisor-module-title,.fs-article .advisor-module-wrapper .advisor-module-info .finds-module-title,.fs-article .advisor-module-wrapper .finds-module-info .advisor-module-title,.fs-article .advisor-module-wrapper .finds-module-info .finds-module-title,.fs-article .finds-module-wrapper .advisor-module-info .advisor-module-title,.fs-article .finds-module-wrapper .advisor-module-info .finds-module-title,.fs-article .finds-module-wrapper .finds-module-info .advisor-module-title,.fs-article .finds-module-wrapper .finds-module-info .finds-module-title{font:600 1.17em/1em Graphik,Helvetica;letter-spacing:-.2px;margin:1em 0}.fs-article .advisor-module-wrapper .advisor-module-info .shopping-price,.fs-article .advisor-module-wrapper .finds-module-info .shopping-price,.fs-article .finds-module-wrapper .advisor-module-info .shopping-price,.fs-article .finds-module-wrapper .finds-module-info .shopping-price{margin:.2rem 0 1rem}.fs-article .advisor-module-wrapper .advisor-module-info .sale-price,.fs-article .advisor-module-wrapper .finds-module-info .sale-price,.fs-article .finds-module-wrapper .advisor-module-info .sale-price,.fs-article .finds-module-wrapper .finds-module-info .sale-price{font:600 18px Graphik,Helvetica;padding-right:6px}.fs-article .advisor-module-wrapper .advisor-module-info .regular-price,.fs-article .advisor-module-wrapper .finds-module-info .regular-price,.fs-article .finds-module-wrapper .advisor-module-info .regular-price,.fs-article .finds-module-wrapper .finds-module-info .regular-price{color:#737373;font:600 14px Graphik,Helvetica}.fs-article .advisor-module-wrapper .advisor-module-info button,.fs-article .advisor-module-wrapper .finds-module-info button,.fs-article .finds-module-wrapper .advisor-module-info button,.fs-article .finds-module-wrapper .finds-module-info button{font-size:1rem}.fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .module-header-2,.fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .module-header-2{line-height:32px}.fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .module-header-3,.fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .module-header-3{font-size:22px;line-height:32px;margin-top:8px}.fs-article:not(.article-subtype__paidSearch) .advisor-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-info .finds-module-title{font-size:22px;line-height:32px;margin:16px 0}@media(max-width:768px){.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper h2.module-header-2,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper h2.module-header-2,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper h2.module-header-2,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper h2.module-header-2{font-size:22px}.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .advisor-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .advisor-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .finds-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .finds-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .advisor-module-wrapper .module-header-3,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .advisor-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .advisor-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .finds-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .finds-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .advisor-module-embed .finds-module-wrapper .module-header-3,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .advisor-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .advisor-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .finds-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .finds-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .advisor-module-wrapper .module-header-3,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .advisor-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .advisor-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .finds-module-info .advisor-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .finds-module-info .finds-module-title,.fs-article:not(.article-subtype__paidSearch) .finds-module-embed .finds-module-wrapper .module-header-3{font-size:18px;line-height:24px}}@media(max-width:480px){.fs-article .finds-embed{display:block;max-width:310px;min-height:40px}.fs-article .finds-module-embed--sponsored .finds-module-wrapper{margin:0 -16px;padding-top:8px}.fs-article .advisor-module-wrapper,.fs-article .finds-module-wrapper{margin-top:4px}.fs-article .advisor-module-wrapper .advisor-module-info,.fs-article .advisor-module-wrapper .finds-module-info,.fs-article .finds-module-wrapper .advisor-module-info,.fs-article .finds-module-wrapper .finds-module-info{padding:0 16px 16px}.fs-article .advisor-module-wrapper .advisor-module-info p,.fs-article .advisor-module-wrapper .finds-module-info p,.fs-article .advisor-module-wrapper .image-embed p,.fs-article .finds-module-wrapper .advisor-module-info p,.fs-article .finds-module-wrapper .finds-module-info p,.fs-article .finds-module-wrapper .image-embed p{margin:0}.fs-article .alignleft,.fs-article .alignright{translate:0}.fs-article .aligncenter{margin-left:unset}.fs-article .embed-base.image-embed.alignleft,.fs-article .embed-base.image-embed.alignright{float:unset;margin:auto;width:100%}}.fs-article .product-notif-cta{display:flex;flex-direction:column;gap:.4rem;margin-top:1.5rem}.fs-article .product-notif-cta>div{align-items:center;display:flex;gap:.5rem;width:max-content}.fs-article .product-notif-cta .notif-question__icon{height:1.5rem}.fs-article .product-notif-cta .notif-question__icon svg{fill:#d40000;height:17px;width:16px}.fs-article .product-notif-cta .notif-question__text{font:500 14px/21px Graphik,Helvetica}.fs-article .product-notif-cta .alert-signup{cursor:pointer}.fs-article .product-notif-cta .alert-signup.success .alert-signup__text--default{display:none!important}.fs-article .product-notif-cta .alert-signup.success .alert-signup__text--success{display:inline-block!important}.fs-article .product-notif-cta .alert-signup.success .fs-icon--add{display:none}.fs-article .product-notif-cta .alert-signup.success .fs-icon--check{display:inline-block}.fs-article .product-notif-cta .alert-signup__icon{align-items:center;border:1px solid #333;border-radius:16px;display:flex;flex-shrink:0;height:24px;justify-content:center;padding:4px;width:24px}.fs-article .product-notif-cta .alert-signup__icon .fs-icon--check{display:none}.fs-article .product-notif-cta .alert-signup__icon svg{fill:#333;height:1rem;width:1rem}.fs-article .product-notif-cta .alert-signup__text--default,.fs-article .product-notif-cta .alert-signup__text--success{font:400 14px/21px Graphik,Helvetica}.fs-article .product-notif-cta .alert-signup__text--success{display:none}.fs-article .advisor-module-embed .advisor-award,.fs-article .finds-module-embed .vetted-award{align-items:center;background:#d40000;color:#fff;display:flex;font:600 12px Graphik,Helvetica;height:54px;justify-content:center;letter-spacing:-.2px;margin-top:-8px;padding:0 3px;position:absolute;right:16px;text-align:center;text-transform:uppercase;width:96px;z-index:1}.fs-article .advisor-module-embed .advisor-award:after,.fs-article .finds-module-embed .vetted-award:after{border-left:48px solid #0000;border-right:48px solid #0000;border-top:10px solid #d40000;content:"";height:0;position:absolute;top:54px;width:0}.fs-article .advisor-module-embed .shopping-price,.fs-article .finds-module-embed .shopping-price{align-items:center;display:flex;font-family:Graphik,Helvetica}.fs-article .advisor-module-embed .regular-price,.fs-article .advisor-module-embed .sale-price,.fs-article .finds-module-embed .regular-price,.fs-article .finds-module-embed .sale-price{color:#333;font-size:20px;padding-left:12px;position:relative}.fs-article .advisor-module-embed .regular-price:before,.fs-article .advisor-module-embed .sale-price:before,.fs-article .finds-module-embed .regular-price:before,.fs-article .finds-module-embed .sale-price:before{content:"$";left:0;position:absolute;top:0}.fs-article .advisor-module-embed .sale-price,.fs-article .finds-module-embed .sale-price{font-weight:600;margin-right:5px}.fs-article .advisor-module-embed .regular-price,.fs-article .finds-module-embed .regular-price{margin-right:10px;text-decoration:line-through}.fs-article .advisor-module-embed .call-out-text,.fs-article .finds-module-embed .call-out-text{color:#d40000;font-size:14px;font-weight:600}.fs-article .advisor-module-embed .image-embed img,.fs-article .finds-module-embed .image-embed img{margin:0 auto;max-height:420px;width:auto!important}.fs-article .advisor-module-embed .finds-embed,.fs-article .finds-module-embed .finds-embed{margin:10px 0 0}.fs-article .advisor-module-embed figure,.fs-article .finds-module-embed figure{margin:1.2rem 0}.fs-article .advisor-module-embed figure div,.fs-article .finds-module-embed figure div{max-height:420px}.fs-article .advisor-module-embed .advisor-disclaimer-container,.fs-article .advisor-module-embed .advisor-rating-container,.fs-article .advisor-module-embed .vetted-disclaimer-container,.fs-article .advisor-module-embed .vetted-rating-container,.fs-article .finds-module-embed .advisor-disclaimer-container,.fs-article .finds-module-embed .advisor-rating-container,.fs-article .finds-module-embed .vetted-disclaimer-container,.fs-article .finds-module-embed .vetted-rating-container{align-items:center;display:flex}.fs-article .advisor-module-embed .advisor-text,.fs-article .advisor-module-embed .vetted-text,.fs-article .finds-module-embed .advisor-text,.fs-article .finds-module-embed .vetted-text{font:600 12px/18px Graphik,Helvetica;margin:0;text-transform:uppercase}.fs-article .advisor-module-embed .star-icon,.fs-article .finds-module-embed .star-icon{margin-right:5px}.fs-article .advisor-module-embed .advisor-disclaimer:hover .advisor-tooltip,.fs-article .advisor-module-embed .advisor-disclaimer:hover .vetted-tooltip,.fs-article .advisor-module-embed .vetted-disclaimer:hover .advisor-tooltip,.fs-article .advisor-module-embed .vetted-disclaimer:hover .vetted-tooltip,.fs-article .finds-module-embed .advisor-disclaimer:hover .advisor-tooltip,.fs-article .finds-module-embed .advisor-disclaimer:hover .vetted-tooltip,.fs-article .finds-module-embed .vetted-disclaimer:hover .advisor-tooltip,.fs-article .finds-module-embed .vetted-disclaimer:hover .vetted-tooltip{display:block}.fs-article .advisor-module-embed .fs-icon--info,.fs-article .finds-module-embed .fs-icon--info{height:16px;transform:translateY(9.5%);width:16px}.fs-article .advisor-module-embed .advisor-tooltip,.fs-article .advisor-module-embed .vetted-tooltip,.fs-article .finds-module-embed .advisor-tooltip,.fs-article .finds-module-embed .vetted-tooltip{align-items:flex-start;background-color:#fff;box-shadow:0 4px 8px #f2f2f2;color:#333;cursor:pointer;display:none;font:400 10px/12px Graphik,Helvetica;letter-spacing:-.2px;margin:0;order:0;padding:8px 12px;position:absolute;text-align:center;transform:translate(20px,-59px);width:296px}.fs-article .advisor-module-embed .vetted-rating-wrapper,.fs-article .finds-module-embed .vetted-rating-wrapper{margin-top:16px}.fs-article .advisor-module-embed .advisor-rating-score,.fs-article .advisor-module-embed .vetted-rating-score,.fs-article .finds-module-embed .advisor-rating-score,.fs-article .finds-module-embed .vetted-rating-score{font:32px/48px Graphik,Helvetica;margin-right:10px}.fs-article .finds-module-embed--sponsored.finds-module-offset{background-color:#f2f2f2}.fs-article .advisor-module-wrapper .image-embed,.fs-article .finds-module-wrapper .image-embed{margin-top:0}.fs-article .advisor-module-wrapper .image-embed figcaption,.fs-article .finds-module-wrapper .image-embed figcaption{background-color:#fff;margin:0;padding-top:8px;text-align:right}.fs-article .advisor-module-wrapper .image-embed div,.fs-article .finds-module-wrapper .image-embed div{margin-bottom:0;max-height:420px}.fs-article .advisor-module-wrapper .advisor-module-info fbs-pricing,.fs-article .advisor-module-wrapper .finds-module-info fbs-pricing,.fs-article .finds-module-wrapper .advisor-module-info fbs-pricing,.fs-article .finds-module-wrapper .finds-module-info fbs-pricing{min-height:30px}.fs-article .advisor-module-wrapper .advisor-module-info .fbs-pricing__sale-price,.fs-article .advisor-module-wrapper .finds-module-info .fbs-pricing__sale-price,.fs-article .finds-module-wrapper .advisor-module-info .fbs-pricing__sale-price,.fs-article .finds-module-wrapper .finds-module-info .fbs-pricing__sale-price{font:600 18px Graphik,Helvetica;padding-right:6px}.fs-article .advisor-module-wrapper .advisor-module-info .fbs-pricing__regular-price,.fs-article .advisor-module-wrapper .finds-module-info .fbs-pricing__regular-price,.fs-article .finds-module-wrapper .advisor-module-info .fbs-pricing__regular-price,.fs-article .finds-module-wrapper .finds-module-info .fbs-pricing__regular-price{font:600 18px Graphik,Helvetica}.fs-article .advisor-module-wrapper .advisor-module-info .fbs-pricing__sale-price+.fbs-pricing__regular-price,.fs-article .advisor-module-wrapper .finds-module-info .fbs-pricing__sale-price+.fbs-pricing__regular-price,.fs-article .finds-module-wrapper .advisor-module-info .fbs-pricing__sale-price+.fbs-pricing__regular-price,.fs-article .finds-module-wrapper .finds-module-info .fbs-pricing__sale-price+.fbs-pricing__regular-price{color:#737373;font-size:14px}.fs-article .advisor-module-wrapper .advisor-module-info .fbs-pricing__savings,.fs-article .advisor-module-wrapper .finds-module-info .fbs-pricing__savings,.fs-article .finds-module-wrapper .advisor-module-info .fbs-pricing__savings,.fs-article .finds-module-wrapper .finds-module-info .fbs-pricing__savings{font:600 14px Graphik,Helvetica}.fs-article .advisor-module-wrapper .advisor-module-description li,.fs-article .advisor-module-wrapper .finds-module-description li,.fs-article .finds-module-wrapper .advisor-module-description li,.fs-article .finds-module-wrapper .finds-module-description li{background-color:inherit}.fs-article .advisor-module-wrapper--offset .module-header-2,.fs-article .finds-module-wrapper--offset .module-header-2{margin-bottom:16px}.fs-article .advisor-module-wrapper--offset .vetted-award,.fs-article .finds-module-wrapper--offset .vetted-award{height:24px;left:0;margin-top:28px;width:169px}.fs-article .advisor-module-wrapper--offset .vetted-award:after,.fs-article .finds-module-wrapper--offset .vetted-award:after{border-left:12px solid #0000;border-right:12px solid #0000;border-top:12px solid #d40000;left:163px;position:absolute;top:6px;transform:rotate(270deg);width:0}.fs-article .advisor-module-wrapper--offset .vetted-award-text,.fs-article .finds-module-wrapper--offset .vetted-award-text{padding:5px 16px}.fs-article .advisor-module-content--offset,.fs-article .finds-module-content--offset{display:flex}.fs-article .advisor-module-content--offset .offset,.fs-article .finds-module-content--offset .offset{max-width:284px}.fs-article .advisor-module-info--offset,.fs-article .finds-module-info--offset{margin-left:16px;width:100%}.fs-article .advisor-module-info--offset .advisor-module-title,.fs-article .finds-module-info--offset .finds-module-title{font:600 20px/24px Graphik,Helvetica;margin:0 0 16px}.fs-article .advisor-module-info--offset .advisor-module-description,.fs-article .finds-module-info--offset .finds-module-description{font:400 16px/22px Graphik,Helvetica;letter-spacing:-.2px;margin:0 0 16px;min-height:66px}.fs-article .advisor-module-info--offset .advisor-module-description p,.fs-article .finds-module-info--offset .finds-module-description p{padding:0}.fs-article .advisor-module-info--offset .advisor-module-description ul,.fs-article .finds-module-info--offset .finds-module-description ul{padding-top:0}.fs-article .advisor-module-info--offset .advisor-module-description ul li,.fs-article .finds-module-info--offset .finds-module-description ul li{margin-left:10px}.fs-article .advisor-module-info--offset>div:first-of-type p,.fs-article .finds-module-info--offset>div:first-of-type p{background-color:unset}.fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__regular-price,.fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__sale-price,.fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__regular-price,.fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__sale-price{font-size:18px;line-height:26px}.fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price,.fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__savings,.fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price,.fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__savings{font:600 14px/26px Graphik,Helvetica}.fs-article .advisor-module-info--offset fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price,.fs-article .finds-module-info--offset fbs-pricing .fbs-pricing__sale-price+.fbs-pricing__regular-price{color:#737373}.fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .advisor-module-info .fbs-pricing__regular-price,.fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .advisor-module-info .fbs-pricing__sale-price,.fs-article:not(.article-subtype__paidSearch) .advisor-module-wrapper .advisor-module-info .fbs-pricing__savings,.fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .finds-module-info .fbs-pricing__regular-price,.fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .finds-module-info .fbs-pricing__sale-price,.fs-article:not(.article-subtype__paidSearch) .finds-module-wrapper .finds-module-info .fbs-pricing__savings{font-size:14px;line-height:22px;margin:0 8px 0 0;padding:0}@media (max-width:480px){.fs-article .advisor-module-embed,.fs-article .finds-module-embed{background-color:#fff;margin-bottom:.75rem}.fs-article .advisor-module-embed .advisor-module-title,.fs-article .advisor-module-embed .finds-module-title,.fs-article .finds-module-embed .advisor-module-title,.fs-article .finds-module-embed .finds-module-title{font:600 1.17em/1em Merriweather,GeorgiaCustom}.fs-article .advisor-module-embed .regular-price,.fs-article .advisor-module-embed .sale-price,.fs-article .finds-module-embed .regular-price,.fs-article .finds-module-embed .sale-price{font-size:16px}.fs-article .advisor-module-embed .call-out-text,.fs-article .finds-module-embed .call-out-text{font-size:12px}.fs-article .advisor-module-embed .regular-price,.fs-article .advisor-module-embed .sale-price,.fs-article .finds-module-embed .regular-price,.fs-article .finds-module-embed .sale-price{padding-left:10px}.fs-article .vetted-award{height:48px;width:86px}.fs-article .vetted-award:after{border-left:43px solid #0000;border-right:43px solid #0000;border-top:7px solid #d40000;content:"";height:0;position:absolute;top:48px;width:0}.fs-article .advisor-module-wrapper--offset,.fs-article .finds-module-wrapper--offset{padding:8px;width:100%}.fs-article .advisor-module-content--offset,.fs-article .finds-module-content--offset{display:flex;flex-direction:column}.fs-article .advisor-module-content--offset .offset,.fs-article .finds-module-content--offset .offset{max-height:unset;max-width:unset}.fs-article .advisor-module-content--offset .vetted-award,.fs-article .finds-module-content--offset .vetted-award{height:24px;left:20px;margin-top:18px;width:169px}.fs-article .advisor-module-content--offset .vetted-award:after,.fs-article .finds-module-content--offset .vetted-award:after{border-left:12px solid #0000;border-right:12px solid #0000;border-top:12px solid #d40000;content:"";height:0;left:163px;position:absolute;top:5px;transform:rotate(270deg);width:23px}.fs-article .advisor-module-content--offset .vetted-award .vetted-award-text,.fs-article .finds-module-content--offset .vetted-award .vetted-award-text{padding:0}.fs-article .advisor-module-content--offset .advisor-module-info--offset,.fs-article .advisor-module-content--offset .finds-module-info--offset,.fs-article .finds-module-content--offset .advisor-module-info--offset,.fs-article .finds-module-content--offset .finds-module-info--offset{margin-left:8px;width:auto}.fs-article .advisor-module-content--offset .advisor-module-info--offset .advisor-module-title,.fs-article .advisor-module-content--offset .advisor-module-info--offset .finds-module-title,.fs-article .advisor-module-content--offset .finds-module-info--offset .advisor-module-title,.fs-article .advisor-module-content--offset .finds-module-info--offset .finds-module-title,.fs-article .finds-module-content--offset .advisor-module-info--offset .advisor-module-title,.fs-article .finds-module-content--offset .advisor-module-info--offset .finds-module-title,.fs-article .finds-module-content--offset .finds-module-info--offset .advisor-module-title,.fs-article .finds-module-content--offset .finds-module-info--offset .finds-module-title{font:600 20px/24px Graphik,Helvetica;margin:0}.fs-article .advisor-module-content--offset .advisor-module-info--offset .advisor-module-description,.fs-article .advisor-module-content--offset .advisor-module-info--offset .finds-module-description,.fs-article .advisor-module-content--offset .finds-module-info--offset .advisor-module-description,.fs-article .advisor-module-content--offset .finds-module-info--offset .finds-module-description,.fs-article .finds-module-content--offset .advisor-module-info--offset .advisor-module-description,.fs-article .finds-module-content--offset .advisor-module-info--offset .finds-module-description,.fs-article .finds-module-content--offset .finds-module-info--offset .advisor-module-description,.fs-article .finds-module-content--offset .finds-module-info--offset .finds-module-description{margin:0 0 16px}.fs-article .advisor-module-content--offset fbs-pricing+a:first-of-type,.fs-article .finds-module-content--offset fbs-pricing+a:first-of-type{margin:10px 0 0}}.table-of-contents-products.styled{padding:16px}.table-of-contents-products.styled .our-picks-container{border-left:8px solid #d40000;display:flex;margin-bottom:16px;padding-left:16px}.table-of-contents-products.styled .our-picks-container .table-of-contents-our-picks{color:#333;font:600 22px/1.45 Graphik,Helvetica;letter-spacing:-.2px;margin:0}.table-of-contents-products.styled .table-of-contents-wrapper{padding:0}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product{background-color:#0000;justify-content:space-between;list-style:none;margin:0}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .sponsored-label{background-color:#0000;margin:0}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-heading-2{background-color:#0000;font:700 16px/1.5 EuclidCircularB,Graphik,serif;margin:0}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-product-title{background-color:#0000;font:14px/1.57 EuclidCircular,Graphik,serif;margin:0}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-vendor-name{text-transform:capitalize}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-contents-price{color:#333;font:600 12px/1.83 EuclidCircularSB,Graphik,serif;letter-spacing:-.17px;margin:0}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-btn{align-self:center;background-color:#d40000;border-radius:8px;cursor:pointer}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-btn a{display:block}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product .table-of-contents-btn button{background-color:#0000;border:none;color:#fff;font:600 12px/1.33 Graphik,Helvetica;letter-spacing:-.2px;padding:7px 15px}.table-of-contents-products.styled .table-of-contents-wrapper .table-of-contents-product+.table-of-contents-product{border-top:1px solid #e2e2e2;margin-top:8px;padding-top:8px}@media (min-width:480px){.table-of-contents-products.styled .table-of-contents-product{display:flex}.table-of-contents-products.styled .table-of-contents-product .table-of-contents-product-info{max-width:70%}}@media (max-width:480px){.table-of-contents-products.styled .table-of-contents-product{display:block}.table-of-contents-products.styled .table-of-contents-product .table-of-contents-btn{margin-top:8px;width:83px}}.table-of-contents-products.destyled .paid-placement-text,.table-of-contents-products.destyled .table-of-contents-heading-2{display:inline;font-weight:600}.table-of-contents-products.destyled .paid-placement-text,.table-of-contents-products.destyled .prime-exclusive-text{text-transform:uppercase}.table-of-contents-products.destyled .prime-exclusive-text{color:#1399ff;font:600 12px/15px Graphik,Helvetica;padding-left:16px;vertical-align:middle;white-space:nowrap}.article-gallery-embedded{font-weight:400;padding:1em 0}.article-gallery-embedded .embedded-content.clearfix{display:flex;justify-content:space-between;text-decoration:none}.article-gallery-embedded .article-image-box img{display:block;height:100%}.article-gallery-embedded .article-text-box a{display:flex;justify-content:space-between;text-decoration:none}.article-gallery-embedded .article-text-box a h4{color:#333;font:700 18px/1.56 Merriweather,GeorgiaCustom;margin:0}.article-gallery-embedded .article-text-box .article-slide-count{color:#a9a9a9;font:.75rem Graphik,Helvetica;line-height:30px;margin:0;opacity:.8}.article-gallery-embedded .article-text-box .article-launch-gallery{color:#333;display:inline-block;font:500 .875rem Graphik,Helvetica;line-height:1.56}.article-gallery-embedded .article-text-box .article-launch-gallery .article-launch-text{margin-right:.5em}.article-gallery-embedded .article-text-box .article-launch-gallery .article-arrow-right{vertical-align:middle}.article-gallery-embedded .article-text-box .article-launch-gallery .article-arrow-right .fs-icon--arrow-right{fill:currentColor;height:1rem;width:1rem}@media (max-width:1229px){.article-gallery-embedded{font-size:1.5rem;font-weight:400}}@media (max-width:479px){.article-gallery-embedded{overflow:visible}.article-gallery-embedded .embedded-content.clearfix{flex-direction:column}.article-gallery-embedded a.clearfix{flex-wrap:wrap;height:auto}.article-gallery-embedded .article-image-box{flex-basis:100%;margin-bottom:12px}.article-gallery-embedded .article-text-box{flex-basis:100%;padding-left:0}.article-gallery-embedded .article-text-box .article-launch-button{left:23%;top:5%}}.ceros-embed{background:none}.ceros-embed:before{content:"";height:99%;left:50%;position:absolute;transform:translateX(-50%);width:99%}.ceros-embed:before,.iframe-embed{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%}.ceros-embed,.iframe-embed{margin-bottom:1.2rem;margin-top:1.2rem;overflow:hidden;position:relative}.ceros-embed.iframe-ratio,.iframe-embed.iframe-ratio{height:0}.ceros-embed:not(.offset),.iframe-embed:not(.offset){width:100%}.ceros-embed iframe,.iframe-embed iframe{border:none;height:100%;left:0;position:absolute;top:0;width:100%}.iframe-embed.offset{padding-bottom:210px}.fs-premium .iframe-embed.live-event-template.offset{padding-bottom:160px}@media (min-width:480px){.fs-premium .iframe-embed.live-event-template{padding-top:42.08%!important}}@media (min-width:768px){.fs-premium .embed-base:not(.image-embed).aligncenter{margin:19px auto}.fs-premium .embed-base:not(.image-embed).alignright{float:right;margin:0 0 1.75% 3.5%;width:40%}.fs-premium .embed-base:not(.image-embed).alignleft{float:left;margin:0 3.5% 1.75% 0;width:40%}.fs-premium .embed-base:not(.image-embed).offsetleft,.fs-premium .embed-base:not(.image-embed).offsetright{width:90%}}@media (max-width:1230px){.iframe-embed.offset{padding-bottom:102px}.fs-premium .iframe-embed.live-event-template.offset{padding-bottom:80px}}@media (max-width:480px){.ceros-embed,.iframe-embed{margin-bottom:.75rem;margin-left:0;margin-top:.75rem;width:100%}.ceros-embed iframe,.iframe-embed iframe{height:100%;left:0;position:absolute;top:0;width:100%}.ceros-embed.offset,.iframe-embed.offset{padding-bottom:0}.ceros-embed.iframe-ratio.offset,.iframe-embed.iframe-ratio.offset{width:90vw}.fs-premium .iframe-embed.live-event-template.offset{padding-bottom:0}}.fs-article .image-embed>div,.fs-article .wp-caption div{line-height:0;overflow:hidden;position:relative}.fs-article .image-embed,.fs-article .wp-caption{clear:both}.fs-article .image-embed fbs-accordion,.fs-article .wp-caption fbs-accordion{display:inline}.fs-article .image-embed fbs-accordion span.plus,.fs-article .wp-caption fbs-accordion span.plus{cursor:pointer}.fs-article .image-embed fbs-accordion[current="-1"] span.expanded-caption,.fs-article .image-embed fbs-accordion[current="0"] span.plus,.fs-article .wp-caption fbs-accordion[current="-1"] span.expanded-caption,.fs-article .wp-caption fbs-accordion[current="0"] span.plus{display:none}.fs-article .image-embed fbs-accordion[current="0"] p:after,.fs-article .wp-caption fbs-accordion[current="0"] p:after{content:" [-]";cursor:pointer;height:auto}.fs-article .image-embed figcaption,.fs-article .wp-caption figcaption{color:#737373;font-family:Graphik,Helvetica;font-size:.75rem;font-style:normal;font-weight:400;line-height:1.67;margin-top:.5em}.fs-article .image-embed p,.fs-article .wp-caption p{display:inline;margin:0 8px 0 0}.fs-article .image-embed p:after,.fs-article .wp-caption p:after{font-style:normal}.fs-article .image-embed small,.fs-article .wp-caption small{font-size:10px;font-style:normal;line-height:2;text-transform:uppercase}.fs-article .image-embed a img,.fs-article .wp-caption a img{opacity:1}.fs-article .image-embed a img:hover,.fs-article .wp-caption a img:hover{opacity:.75;transition:opacity .3s}.fs-article .wp-caption-text{font-size:.75rem;font-style:italic;font-weight:400;margin-top:.5em;position:relative}.fs-article.from-bertie blockquote,.fs-article.from-bertie h1,.fs-article.from-bertie h2,.fs-article.from-bertie h3,.fs-article.from-bertie h4,.fs-article.from-bertie h5,.fs-article.from-bertie h6,.fs-article.from-bertie ol,.fs-article.from-bertie p,.fs-article.from-bertie pre,.fs-article.from-bertie ul{counter-reset:list-1}.fs-article.from-bertie ol li,.fs-article.from-bertie ul li{margin-left:0}.fs-article.from-bertie ol>li,.fs-article.from-bertie ul>li{list-style:none}.fs-article.from-bertie ul>li:before{content:"•"}.fs-article.from-bertie ul[data-checked=false],.fs-article.from-bertie ul[data-checked=true]{pointer-events:none}.fs-article.from-bertie ul[data-checked=false]>li *,.fs-article.from-bertie ul[data-checked=true]>li *{pointer-events:all}.fs-article.from-bertie ul[data-checked=false]>li:before,.fs-article.from-bertie ul[data-checked=true]>li:before{color:#777;cursor:pointer;pointer-events:all}.fs-article.from-bertie ul[data-checked=true]>li:before{content:"☑"}.fs-article.from-bertie ul[data-checked=false]>li:before{content:"☐"}.fs-article.from-bertie li:before{display:inline-block;white-space:nowrap;width:1.2em}.fs-article.from-bertie li:not(.ql-direction-rtl):before{margin-left:-1.5em;margin-right:.3em;text-align:right}.fs-article.from-bertie li.ql-direction-rtl:before{margin-left:.3em;margin-right:-1.5em}.fs-article.from-bertie ol li:not(.ql-direction-rtl),.fs-article.from-bertie ul li:not(.ql-direction-rtl){padding-left:1.5em}.fs-article.from-bertie ol li.ql-direction-rtl,.fs-article.from-bertie ul li.ql-direction-rtl{padding-right:1.5em}.fs-article.from-bertie ol li{counter-increment:list-0;counter-reset:list-1}.fs-article.from-bertie ol li:before{content:counter(list-0,decimal) ". "}.fs-article.from-bertie ol li.ql-indent-1{counter-increment:list-1}.fs-article.from-bertie ol li.ql-indent-1:before{content:counter(list-1,lower-alpha) ". "}.fs-article.from-bertie .ql-indent-1:not(.ql-direction-rtl){padding-left:3em}.fs-article.from-bertie li.ql-indent-1:not(.ql-direction-rtl){padding-left:4.5em}.fs-article.from-bertie .ql-indent-1.ql-direction-rtl.ql-align-right{padding-right:3em}.fs-article.from-bertie li.ql-indent-1.ql-direction-rtl.ql-align-right{padding-right:4.5em}.fs-article .link-embed{border-bottom:1px solid #e2e2e2;border-top:1px solid #e2e2e2;clear:both;color:#333;display:flex;justify-content:space-between;margin-bottom:-1px;padding:12px 0;text-decoration:none;width:100%}.fs-article .link-embed:hover{text-decoration:none}.fs-article .link-embed:hover .link-embed__title{text-decoration:underline}.fs-article .link-embed .link-embed__info{display:inline-flex;flex-direction:column;font-family:Graphik,Helvetica;justify-content:space-between;padding-right:10px;pointer-events:none;width:66%}.fs-article .link-embed .link-embed__provider{font-size:10px;letter-spacing:.5;line-height:1;margin-bottom:10px;text-transform:uppercase}.fs-article .link-embed .link-embed__title{font:700 16px/1.38 Merriweather,GeorgiaCustom}.fs-article .link-embed .link-embed__byline{font-size:10px;margin:10px 0 0}.fs-article .link-embed .link-embed__author{font-weight:700}.fs-article .link-embed .link-embed__thumbnail-wrapper{display:block;padding-bottom:18.56%;pointer-events:none;position:relative;width:33%}.fs-article .link-embed .link-embed__thumbnail{background-position:50%;background-repeat:no-repeat;background-size:cover;display:block;padding-bottom:56.25%;position:absolute;top:50%;transform:translateY(-50%);width:100%}.fs-article .link-embed--no-thumbnail .link-embed__info{padding-right:0;width:100%}@media(max-width:768px){.fs-article .link-embed--long-title .link-embed__info{padding-right:0;width:100%}.fs-article .link-embed--long-title .link-embed__thumbnail-wrapper{display:none}}.fs-article .quote-embed{border:0!important;clear:both;font-family:Graphik,Helvetica;padding:30px!important;position:relative;width:100%}.fs-article .quote-embed footer,.fs-article .quote-embed p{overflow:hidden;text-overflow:ellipsis}.fs-article .quote-embed p{background-color:inherit;font-size:24px;font-weight:600;line-height:1.25;margin:0!important}.fs-article .quote-embed footer{font-size:16px;margin-top:1.6rem;position:relative}.fs-article .quote-embed:before{display:none}.fs-article .quote-embed.bleedright{float:right;margin-top:0;padding:30px;text-align:left}.fs-article .quote-embed.bleedright p{line-height:1.25}.fs-article .quote-embed.bleedright footer{position:relative}.fs-article .quote-embed.bleedleft{float:left;margin-right:20px;margin-top:0;padding:30px;text-align:right}.fs-article .quote-embed.bleedleft p{line-height:1.25}.fs-article .quote-embed.bleedleft footer{position:relative}.fs-article .quote-embed.bleed{padding-left:200px!important;padding-right:200px!important;text-align:center}.fs-premium .quote-embed{background-color:#e41e2c}.fs-premium .quote-embed footer,.fs-premium .quote-embed p{color:inherit}@media (max-width:768px){.fs-premium .fs-article .quote-embed{margin-left:-1rem;max-width:700px;text-align:center;width:100vw}.fs-premium .fs-article .quote-embed.bleed{padding:30px!important}.fs-premium .fs-article .quote-embed.bleedleft{float:none;text-align:left}.fs-premium .fs-article .quote-embed.bleedright{float:none;text-align:right}}.fs-article .rule-embed{border:0;border-top:1px solid;clear:both;color:#e2e2e2}.fs-article .rule-embed.weight-regular{border-top-width:4px}.fs-article .rule-embed.weight-medium{border-top-width:8px}.fs-article .rule-embed.weight-heavy{border-top-width:16px}.fs-article .rule-embed.border-dash{border-top-style:dashed}.fs-article .rule-embed.border-dot{border-top-style:dotted}.fs-premium .subhead-embed.has-bg-color,.fs-premium .subhead3-embed.has-bg-color,.fs-premium .subhead4-embed.has-bg-color{margin-left:-1.2rem;padding:1.2rem;width:calc(100% + 2.4rem)}.btn{align-items:center;border:none;border-radius:5px;box-sizing:border-box;cursor:pointer;display:inline-flex;font-size:.875em;font-weight:700;justify-content:center;line-height:1;transition:all .2s ease}.btn.btn-rect-lg{padding:1.5em 1em}.btn.btn-rect-sm{padding:.75em 1em}.btn.btn-square{height:45px;padding:1.1em 1em;width:45px}.btn.btn-circle{border-radius:50%;height:2rem;width:2rem}.btn.btn-black{background-color:#000;color:#fff}.btn.btn-black:hover{background-color:#1a1a1a;color:#fff}.btn.btn-black.secondary{background-color:#fff;border:2px solid #000;color:#000}.btn.btn-black.secondary:hover{border:2px solid #1a1a1a;color:#1a1a1a}.btn.btn-gray{background-color:#999;color:#fff}.btn.btn-gray:hover{background-color:#b3b3b3;color:#fff}.btn.btn-gray.secondary{background-color:#fff;border:2px solid #999;color:#999;color:#000}.btn.btn-gray.secondary:hover{border:2px solid #b3b3b3;color:#b3b3b3}.btn.btn-blue{background-color:#069eec;color:#fff}.btn.btn-blue:hover{background-color:#2bb4fa;color:#fff}.btn.btn-blue.secondary{background-color:#fff;border:2px solid #069eec;color:#069eec;color:#000}.btn.btn-blue.secondary:hover{border:2px solid #2bb4fa;color:#2bb4fa}.btn.btn-red{background-color:#f0222e;color:#fff}.btn.btn-red:hover{background-color:#f3525b;color:#fff}.btn.btn-red.secondary{background-color:#fff;border:2px solid #f0222e;color:#f0222e;color:#000}.btn.btn-red.secondary:hover{border:2px solid #f3525b;color:#f3525b}.btn.btn-yellow{background-color:#ffc000;color:#000}.btn.btn-yellow:hover{background-color:#ffcd33;color:#1a1a1a}.btn.btn-yellow.secondary{background-color:#fff;border:2px solid #ffc000;color:#ffc000;color:#000}.btn.btn-yellow.secondary:hover{border:2px solid #ffcd33;color:#ffcd33}.btn:hover{box-shadow:0 0 20px #0003}.btn:active{box-shadow:none;left:.5px;top:.5px}.btn-facebook{background-color:#3b5998;border-radius:50%;color:#fff;height:2rem;width:2rem}.btn-facebook:hover{background-color:#4c70ba;color:#fff}.btn-facebook-secondary{background-color:#fff;border:2px solid #3b5998;border-radius:50%;color:#3b5998;height:2rem;width:2rem}.btn-facebook-secondary:hover{border:2px solid #4c70ba;color:#4c70ba}.btn-google{background-color:#dd4b39;border-radius:50%;color:#fff;height:2rem;width:2rem}.btn-google:hover{background-color:#e47365;color:#fff}.btn-google-secondary{background-color:#fff;border:2px solid #dd4b39;border-radius:50%;color:#dd4b39;height:2rem;width:2rem}.btn-google-secondary:hover{border:2px solid #e47365;color:#e47365}.btn-linkedin{background-color:#0077b5;border-radius:50%;color:#fff;height:2rem;width:2rem}.btn-linkedin:hover{background-color:#0099e8;color:#fff}.btn-linkedin-secondary{background-color:#fff;border:2px solid #0077b5;border-radius:50%;color:#0077b5;height:2rem;width:2rem}.btn-linkedin-secondary:hover{border:2px solid #0099e8;color:#0099e8}.btn-twitter{background-color:#55acee;border-radius:50%;color:#fff;height:2rem;width:2rem}.btn-twitter:hover{background-color:#83c3f3;color:#fff}.btn-twitter-secondary{background-color:#fff;border:2px solid #55acee;border-radius:50%;color:#55acee;height:2rem;width:2rem}.btn-twitter-secondary:hover{border:2px solid #83c3f3;color:#83c3f3}.btn-instagram{background-color:#333;border-radius:50%;color:#fff;height:2rem;width:2rem}.btn-instagram:hover{background-color:#4d4d4d;color:#fff}.btn-instagram-secondary{background-color:#fff;border:2px solid #333;border-radius:50%;color:#333;height:2rem;width:2rem}.btn-instagram-secondary:hover{border:2px solid #4d4d4d;color:#4d4d4d}.btn-youtube{background-color:#cd201f;border-radius:50%;color:#fff;height:2rem;width:2rem}.btn-youtube:hover{background-color:#e23e3d;color:#fff}.btn-youtube-secondary{background-color:#fff;border:2px solid #cd201f;border-radius:50%;color:#cd201f;height:2rem;width:2rem}.btn-youtube-secondary:hover{border:2px solid #e23e3d;color:#e23e3d}.btn-pinterest{background-color:#bd081c;border-radius:50%;color:#fff;height:2rem;width:2rem}.btn-pinterest:hover{background-color:#ee0a23;color:#fff}.btn-pinterest-secondary{background-color:#fff;border:2px solid #bd081c;border-radius:50%;color:#bd081c;height:2rem;width:2rem}.btn-pinterest-secondary:hover{border:2px solid #ee0a23;color:#ee0a23}.btn-email{background-color:#999;border-radius:50%;color:#fff;height:2rem;width:2rem}.btn-email:hover{background-color:#b3b3b3;color:#fff}.btn-email-secondary{background-color:#fff;border:2px solid #999;border-radius:50%;color:#999;height:2rem;width:2rem}.btn-email-secondary:hover{border:2px solid #b3b3b3;color:#b3b3b3}@font-face{font-family:forbesicon;font-style:normal;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.eot);src:url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.eot?#iefix) format("embedded-opentype"),url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.woff) format("woff"),url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.ttf) format("truetype"),url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.svg#forbesicon) format("svg")}@media screen and (-webkit-min-device-pixel-ratio:0){@font-face{font-family:forbesicon;src:url(https://i.forbesimg.com/assets/fonts/fbs-typography/0233/forbesicon.svg#forbesicon) format("svg")}}.icon:before{-moz-osx-font-smoothing:grayscale;-webkit-font-smoothing:antialiased;font-smoothing:antialiased;speak:none;display:inline-block;font-family:forbesicon;font-style:normal;font-variant:normal;font-weight:400;line-height:1;text-decoration:inherit;text-rendering:optimizeLegibility;text-transform:none}.icon-add-person:before{content:""}.icon-amazon:before{content:""}.icon-arrow-down:before{content:""}.icon-arrow-down-bar:before{content:""}.icon-arrow-up:before{content:""}.icon-authorvoice:before{content:""}.icon-badge:before{content:""}.icon-baidu:before{content:""}.icon-book:before{content:""}.icon-brandvoice-logo:before{content:""}.icon-brandvoice-logo-brand:before{content:""}.icon-brandvoice-logo-voice:before{content:""}.icon-calendar:before{content:""}.icon-cart:before{content:""}.icon-chat:before{content:""}.icon-check:before{content:""}.icon-chevron-down:before{content:""}.icon-chevron-left:before{content:""}.icon-chevron-right:before{content:""}.icon-chevron-up:before{content:""}.icon-clipboard:before{content:""}.icon-clock:before{content:""}.icon-close:before{content:""}.icon-cog:before{content:""}.icon-comment-bubble:before{content:""}.icon-confirmation:before{content:""}.icon-copy:before{content:""}.icon-desktop:before{content:""}.icon-donald-trump:before{content:""}.icon-download:before{content:""}.icon-edit:before{content:""}.icon-email:before{content:""}.icon-enlarge:before{content:""}.icon-error:before{content:""}.icon-explore:before{content:""}.icon-facebook:before{content:""}.icon-flame:before{content:""}.icon-forbes-china-logo:before{content:""}.icon-forbes-finds-logo:before{content:""}.icon-forbes-italy:before{content:""}.icon-forbes-life:before{content:""}.icon-forbes-logo:before{content:""}.icon-forbes-logo-f:before{content:""}.icon-gallery:before{content:""}.icon-georgia-daquo:before{content:""}.icon-georgia-uaquo:before{content:""}.icon-google:before{content:""}.icon-group:before{content:""}.icon-hamburger:before{content:""}.icon-handshake:before{content:""}.icon-home:before{content:""}.icon-insights:before{content:""}.icon-instagram:before{content:""}.icon-italia:before{content:""}.icon-link:before{content:""}.icon-linkedin:before{content:""}.icon-location:before{content:""}.icon-lock:before{content:""}.icon-megaphone:before{content:""}.icon-microphone:before{content:""}.icon-mobile:before{content:""}.icon-pause:before{content:""}.icon-phone-call:before{content:""}.icon-photo:before{content:""}.icon-pinterest:before{content:""}.icon-plus:before{content:""}.icon-preview-eye:before{content:""}.icon-print:before{content:""}.icon-qzone:before{content:""}.icon-renren:before{content:""}.icon-reply:before{content:""}.icon-reset:before{content:""}.icon-rss-feed:before{content:""}.icon-search:before{content:""}.icon-share:before{content:""}.icon-snapchat:before{content:""}.icon-square-bracket-left:before{content:""}.icon-square-bracket-right:before{content:""}.icon-staff-verified:before{content:""}.icon-star:before{content:""}.icon-terms:before{content:""}.icon-trash:before{content:""}.icon-tumblr:before{content:""}.icon-twitter:before{content:""}.icon-twitter-verified:before{content:""}.icon-u30-logo:before{content:""}.icon-under-30-logo:before{content:""}.icon-user:before{content:""}.icon-video:before{content:""}.icon-video-rect:before{content:""}.icon-wechat:before{content:""}.icon-weibo:before{content:""}.icon-womenforbes-logo:before{content:""}.icon-youtube:before{content:""}.fs-article{line-height:1.5;max-width:42em}.fs-article blockquote,.fs-article h1,.fs-article h5,.fs-article h6,.fs-article ol,.fs-article pre,.fs-article table{margin:1.6rem 0}.fs-article h2{font-size:24px;line-height:1.25}.fs-article h3{font-size:20px;line-height:1.2}.fs-article h4{font-size:14px;line-height:1.33;margin:8px 0}.fs-article h2,.fs-article h3,.fs-article p{margin:1.2rem 0}.fs-article fbs-ticker{border:1px solid #e2e2e2;display:inline-block;font:13px Graphik,Helvetica;letter-spacing:-.28px;padding:3px;white-space:nowrap}.fs-article fbs-ticker a{border:none;color:#6f6f6f}.fs-article>div>div>:first-child{margin-top:0}.fs-article a{color:#003891;text-decoration:none}.fs-article a:hover{text-decoration:underline}.fs-article ol li,.fs-article ul li{margin-left:3em}.fs-article ol li{list-style:decimal}.fs-article ul li{list-style:disc;margin-bottom:16px}.fs-article .table-wrapper{margin:10px 0;overflow-x:auto}.fs-article td,.fs-article th{font-size:.75em;padding:3px 5px;vertical-align:top}.fs-article thead tr{background:#ccc}.fs-article thead th{border-left:1px solid #fff;font-weight:700;vertical-align:bottom}.fs-article tbody tr,.fs-article thead th{border-bottom:2px solid #fff}.fs-article tbody tr:nth-child(odd){background:#f2f2f2}.fs-article tbody tr:nth-child(2n){background:#e6e6e6}.fs-article tbody td{border-left:1px solid #fff}.fs-article tbody td p{margin:0}.fs-article tfoot td{color:#999;font-size:.625em;padding:1px}.fs-article blockquote{padding-left:1.75em;position:relative}.fs-article blockquote:before{color:#b3b3b3;content:"“";font-size:2.5em;left:0;position:absolute;top:0}.fs-article blockquote:not(.embed-base){clear:both;font:16px/24px Graphik,Helvetica;margin:0 0 0 78px;padding:0 77px 0 38px}.fs-article blockquote:not(.embed-base):before{background:#b3b3b3;content:"";height:100%;width:5px}.fs-article blockquote:not(.embed-base):last-of-type{margin-bottom:20px}.fs-article blockquote:not(.embed-base)+:not(blockquote){margin:20px 0}.fs-article:not(.fs-premium) h2{color:#333;font-family:Merriweather,GeorgiaCustom;font-weight:700}.fs-article:not(.fs-premium) h3{color:#333;font-family:Graphik,Helvetica;font-weight:600}.fs-article:not(.fs-premium) h4{color:#333;font-family:Graphik,Helvetica;font-weight:400}.fs-article fbs-video h2.vjs-social-description{color:#fff;font-family:Helvetica Neue;font-weight:400}.fs-article fbs-video a{color:#fff}.fs-article #forbes-dv{margin:1.2rem 0}.fs-premium{font-family:Georgia,Cambria,Times New Roman,Times,serif;font-size:20px;line-height:36px;margin:0 auto;max-width:700px;width:60%}.article-body-image{line-height:0;position:relative}.article-body-image small{background-color:#00000080;bottom:0;color:#fff;line-height:1;padding:.25em;position:absolute}.fs-main-content h1.fs-headline{-webkit-font-smoothing:antialiased;font-size:22px;margin-bottom:1rem;margin-top:1rem;position:relative}@media(min-width:480px){.fs-main-content h1.fs-headline{font-size:calc(22px + 1.66667vw - .33333rem)}}@media(min-width:1400px){.fs-main-content h1.fs-headline{font-size:40px}}.article-body.fs-responsive-text{font-family:Georgia,Cambria,Times New Roman,Times,serif;font-size:18px;line-height:30px}.wp-caption-text{line-height:1.4em}.offset{margin-left:calc((min(60vw + 180px,1440px) - 100%)/-2);max-width:1440px;width:calc(60vw + 180px)}.offset.brightcove-video-wrapper{height:auto}.offsetleft,.offsetright{max-width:576px;width:calc(30vw + 20px)}.offsetleft{float:left;margin-left:calc((min(60vw + 180px,1440px) - 100%)/-2);margin-right:5.5%}.offsetright{float:right;margin-left:5.5%;margin-right:calc((min(60vw + 180px,1440px) - 100%)/-2)}.article-body.fs-article.article-topline .topline-heading,.article-body.fs-article.article-topline h2{color:#d8361e;font:600 14px/16px Graphik,Helvetica;text-transform:uppercase}.article-body.fs-article.article-topline h2{margin-bottom:8px}.article-body.fs-article.article-topline h2+p{margin-top:8px}.article-body.fs-article.article-topline .topline-heading{display:inline;margin-right:4px}.article-body.fs-article.article-topline .topline-heading+p{display:inline}.article-body.fs-article.article-topline .key-facts .key-facts-element,.article-body.fs-article.article-topline .key-facts .timeline-element,.article-body.fs-article.article-topline .timeline .key-facts-element,.article-body.fs-article.article-topline .timeline .timeline-element{margin:0 0 0 19px;padding-bottom:1.2rem;position:relative}.article-body.fs-article.article-topline .key-facts .key-facts-element:before,.article-body.fs-article.article-topline .key-facts .timeline-element:before,.article-body.fs-article.article-topline .timeline .key-facts-element:before,.article-body.fs-article.article-topline .timeline .timeline-element:before{color:#d8361e;content:"•";margin-left:-19px;position:absolute;transform:scale(1.75)}.article-body.fs-article.article-topline .key-facts .key-facts-element:not(:last-of-type):after,.article-body.fs-article.article-topline .key-facts .timeline-element:not(:last-of-type):after,.article-body.fs-article.article-topline .timeline .key-facts-element:not(:last-of-type):after,.article-body.fs-article.article-topline .timeline .timeline-element:not(:last-of-type):after{background-color:#d8361e;content:"";height:0;left:0;margin-left:-16px;position:absolute;top:16px;transition:height 1.25s ease;width:1px}.article-body.fs-article.article-topline .key-facts .key-facts-element:last-of-type,.article-body.fs-article.article-topline .key-facts .timeline-element:last-of-type,.article-body.fs-article.article-topline .timeline .key-facts-element:last-of-type,.article-body.fs-article.article-topline .timeline .timeline-element:last-of-type{padding-bottom:0}.article-body.fs-article.article-topline .key-facts .key-facts-element.animate-line:not(:last-of-type):after,.article-body.fs-article.article-topline .key-facts .timeline-element.animate-line:not(:last-of-type):after,.article-body.fs-article.article-topline .timeline .key-facts-element.animate-line:not(:last-of-type):after,.article-body.fs-article.article-topline .timeline .timeline-element.animate-line:not(:last-of-type):after{height:100%}.article-body.fs-article.article-topline .timeline-timestamp{color:#333;display:inline-block;font:600 14px/16px Graphik,Helvetica;margin:0 0 8px;width:100%}.article-body.fs-article.article-live h3:not(.headline){color:#d8361e;font:600 14px/16px Graphik,Helvetica;text-transform:uppercase}.article-body.fs-article.article-live .live-update ul li{list-style-type:none;margin-left:1.5em;position:relative}.article-body.fs-article.article-live .live-update ul li:after{background:#d8361e;border-radius:50%;content:"";display:inline-block;height:7px;left:-27px;position:absolute;top:12px;width:7px}.article-body.fs-article.article-live .live-update figure{margin-left:0;margin-right:0;margin-top:0}@media (min-width:1401px){.fs-main-content h1.fs-headline{font-size:40.76px}}@media (min-width:1025px)and (max-width:1400px){.fs-main-content h1.fs-headline{font-size:32.44px;line-height:1.2em}}@media (min-width:768px){.article-body.fs-article.article-topline .key-facts .key-facts-element:not(:last-child) p,.article-body.fs-article.article-topline .key-facts .timeline-element:not(:last-child) p,.article-body.fs-article.article-topline .timeline .key-facts-element:not(:last-child) p,.article-body.fs-article.article-topline .timeline .timeline-element:not(:last-child) p{margin-bottom:0}}@media (min-width:768px)and (max-width:1024px){.fs-main-content h1.fs-headline{font-size:27.44px;line-height:1.3em}}@media (max-width:767px){.fs-main-content h1.fs-headline{font-size:32.64px;line-height:1.3em}.fs-premium{max-width:700px;width:100%}.offset,.offsetleft,.offsetright{float:none;left:0;margin-left:calc(50% - 45vw);max-width:none;right:0;width:90vw}}@media (max-width:480px){.fs-article blockquote:not(.embed-base){margin-left:22px;padding:0 22px}.fs-article blockquote:not(.embed-base):before{top:0}}@media print{#speechkit-io-iframe,.article-sharing,.article-video-placeholder,.fbs-ad--top-wrapper,.header,.medianet-wrapper,.right-rail,.top-ad-container,.vestpocket,article:not(.current-page),beta-flag,fbs-ad,fbs-video,footer,speed-bump{display:none!important}article.current-page{max-width:90%}.article-container,.article-wrapper{display:block!important}app{background-color:#fff!important}channel-path .crumb:before,channel-path .logo{display:inline-block!important;font-size:15px!important}stream.sidebar-expanded{margin-left:0!important;transform:none!important}.article-wrapper{width:100%}.hero-image-credit{margin:8px calc(50% - 45vw) 0 0!important}.premium-container{margin:0 auto;width:95%}.premium-container .top-contrib-block{border-color:#e2e2e2!important}.premium-container .article-wrapper contrib-block,.premium-container .article-wrapper group-blog,.premium-container .article-wrapper guest-contrib,.premium-container .fs-premium,.premium-container .top-contrib-block{max-width:100%!important;width:100%!important}.premium-container blockquote{background-color:#fff!important;color:#333!important}.premium-container .contrib-container{border-color:#e2e2e2!important}}*,:after,:before{box-sizing:border-box}body,html{-webkit-font-feature-settings:"kern";-moz-font-feature-settings:"kern";font-feature-settings:"kern";font-family:Graphik,Helvetica;-webkit-font-kerning:normal;-moz-font-kerning:normal;font-kerning:normal;-webkit-font-variant-ligatures:common-ligatures;-moz-font-variant-ligatures:common-ligatures;font-variant-ligatures:common-ligatures;height:100%;text-rendering:optimizeLegibility;width:100%}img{display:block;height:auto!important;width:auto}figure{margin:0}figure img{display:block;max-width:100%}/*! normalize.css v5.0.0 | MIT License | github.com/necolas/normalize.css */html{-ms-text-size-adjust:100%;-webkit-text-size-adjust:100%;font-family:sans-serif;line-height:1.15}article,aside,footer,header,nav,section{display:block}h1{font-size:2em;margin:.67em 0}figcaption,figure,main{display:block}figure{margin:1em 40px}hr{box-sizing:initial;height:0;overflow:visible}pre{font-family:monospace,monospace;font-size:1em}a{-webkit-text-decoration-skip:objects;background-color:#0000}a:active,a:hover{outline-width:0}abbr[title]{border-bottom:none;text-decoration:underline;text-decoration:underline dotted}b,strong{font-weight:inherit;font-weight:bolder}code,kbd,samp{font-family:monospace,monospace;font-size:1em}dfn{font-style:italic}mark{background-color:#ff0;color:#000}small{font-size:80%}sub,sup{font-size:75%;line-height:0;position:relative;vertical-align:initial}p sub{bottom:-.25em}sup{top:-.5em}audio,video{display:inline-block}audio:not([controls]){display:none;height:0}img{border-style:none}svg:not(:root){overflow:hidden}button,input,optgroup,select,textarea{font-family:sans-serif;font-size:100%;line-height:1.15;margin:0}button,input{overflow:visible}button,select{text-transform:none}[type=reset],[type=submit],button,html [type=button]{-webkit-appearance:button}[type=button]::-moz-focus-inner,[type=reset]::-moz-focus-inner,[type=submit]::-moz-focus-inner,button::-moz-focus-inner{border-style:none;padding:0}[type=button]:-moz-focusring,[type=reset]:-moz-focusring,[type=submit]:-moz-focusring,button:-moz-focusring{outline:1px dotted ButtonText}fieldset{border:1px solid silver;margin:0 2px;padding:.35em .625em .75em}legend{box-sizing:border-box;color:inherit;display:table;max-width:100%;padding:0;white-space:normal}progress{display:inline-block;vertical-align:initial}[type=checkbox],[type=radio]{box-sizing:border-box;padding:0}[type=number]::-webkit-inner-spin-button,[type=number]::-webkit-outer-spin-button{height:auto}[type=search]{-webkit-appearance:textfield;outline-offset:-2px}[type=search]::-webkit-search-cancel-button,[type=search]::-webkit-search-decoration{-webkit-appearance:none}::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}details,menu{display:block}summary{display:list-item}canvas{display:inline-block}template{display:none}.recirc-container{border-top:1px solid #e3e3e3;padding:16px 0}.cards-container{border-bottom:1px solid #737373;gap:29px;padding-bottom:16px}.recirc-header{display:flex;font:400 10px/12px Graphik,Helvetica;margin-bottom:21px}.header-source{margin-left:4px}.recirc-unit-card-container{display:flex;gap:24px;justify-content:space-between;width:100%}.recommended-article-container{display:flex;flex-direction:column;width:50%}.recirc-unit-article-title{color:#333!important;display:block;font:500 18px/27px Graphik,Helvetica;margin:16px 0 8px;text-decoration:none!important}a.recir__comments{align-items:center;color:#007ac8;display:flex;gap:4px;line-height:0;padding:8px}a.recir__comments:hover{text-decoration:none}.recirc__comments-icon .fs-icon--comment{fill:currentColor;width:16px}.recirc__comments-count{font:10px/12px Graphik,Helvetica;letter-spacing:-.2px}.recirc-unit-actions:where(:not(:empty)){align-items:center;display:flex;margin-bottom:16px}.recirc-unit-author-wrapper{align-items:center;display:flex;font:400 12px/16px Graphik,Helvetica}.recirc-unit-author-name{color:#333!important;margin-left:4px;text-decoration:none!important}.recirc-unit-author-label{color:#737373;margin-left:5px}.recirc-unit-thumbnail-wrapper{height:124px!important;margin-top:16px;min-height:unset!important;width:220px}.recirc-unit-article-thumbnail{height:124px!important;min-height:unset!important;object-fit:inherit!important;width:220px!important}.recirc-unit-article-thumbnail img{width:220px!important}@media (max-width:1024px){.recirc-unit-card-container{gap:16px}}@media (max-width:768px){.recirc-container{border-bottom:none}.recirc-header{margin-bottom:0}.recommended-article-container{width:60%}.recirc-unit-thumbnail-wrapper{height:68px;margin-top:36px;width:121px}.recirc-unit-article-thumbnail{height:68px!important;min-height:unset!important;width:121px!important}.recirc-unit-article-thumbnail img{width:121px!important}}fbs-video .brightcove_perform{height:0;overflow:hidden;padding-bottom:56.25%;position:relative;width:100%}fbs-video .vjs-big-play-button .vjs-icon-placeholder:before{content:""!important}fbs-video .playable-rectangle .play-button-icon,fbs-video .playable-rectangle .vjs-big-play-button{background-color:#0000!important;box-shadow:none!important;font-family:Arial!important;height:0!important;left:50%!important;margin-left:0!important;margin-top:0!important;max-width:150px;min-width:30px;position:absolute;top:50%!important;transform:translate(-50%,-50%);width:20%!important}fbs-video .playable-rectangle .play-button-icon:after,fbs-video .playable-rectangle .play-button-icon:before,fbs-video .playable-rectangle .vjs-big-play-button:after,fbs-video .playable-rectangle .vjs-big-play-button:before{content:" ";display:block;margin-top:-50%;padding-top:100%;position:absolute;transition:all .2s ease-in-out;width:100%}fbs-video .playable-rectangle .play-button-icon:before,fbs-video .playable-rectangle .vjs-big-play-button:before{background:url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZpZXdCb3g9Ii0zMjAgMjMyIDE1MCAxNTAiPjxwYXRoIGQ9Ik0tMjQ1IDIzMmMtNDEuNCAwLTc1IDMzLjYtNzUgNzVzMzMuNiA3NSA3NSA3NSA3NS0zMy42IDc1LTc1LTMzLjYtNzUtNzUtNzV6Ii8+PC9zdmc+");opacity:.5}fbs-video .playable-rectangle .play-button-icon:after,fbs-video .playable-rectangle .vjs-big-play-button:after{background:url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZpZXdCb3g9Ii0zMjAgMjMyIDE1MCAxNTAiPjxwYXRoIHN0eWxlPSJmaWxsOiNmZmYiIGQ9Ik0tMjY0LjEgMzM5LjV2LTY1bDU2LjIgMzIuNXoiLz48L3N2Zz4=")}fbs-video .playable-rectangle:hover .play-button-icon:before,fbs-video .playable-rectangle:hover .vjs-big-play-button:before{transform:scale(0)}fbs-video .playable-rectangle:hover .play-button-icon:after,fbs-video .playable-rectangle:hover .vjs-big-play-button:after{transform:scale(2)}fbs-ticker{background-color:#fff;border:1px solid #e2e2e2;color:#6f6f6f;font-size:14px;font-weight:500;letter-spacing:-.28px;padding:3px 4px;white-space:nowrap}fbs-ticker:hover{background-color:#eaeaea}fbs-ticker a{color:#6f6f6f;text-decoration:none}fbs-ticker span.ticker-green{color:#093}fbs-ticker span.ticker-red{color:#d41723}@media (max-width:480px){span{padding:0 2px 0 0}}body,html{color:#333}h1,h2,h3,h4,h5,h6{-webkit-margin-before:0;-webkit-margin-after:0}.h1--dense,.h2--dense-white{display:block;font:700 22px/34px Merriweather,GeorgiaCustom}.h2--dense{font:700 20px/30px Merriweather,GeorgiaCustom}.h3--dense{font:700 18px/26px Merriweather,GeorgiaCustom}.body--dense-merriweather,.h4--dense{font:700 14px/22px Merriweather,GeorgiaCustom}.h5--dense{font:700 11px/18px Merriweather,GeorgiaCustom}.body--dense{font:16px/24px tabular-numbers,Georgia}@media (min-width:1230px){.body--dense-merriweather{font:700 16px/24px Merriweather,GeorgiaCustom}}@media (max-width:1024px){.h1--dense{font-size:20px;line-height:30px}.h2--dense{font-size:18px;line-height:26px}.h3--dense{font-size:16px;line-height:24px}.body--dense-merriweather,.h4--dense{font-size:12px;line-height:20px}.body--dense{font-size:14px;line-height:22px}}@media (max-width:768px){.h3--dense,.h4--dense{font-size:14px;line-height:22px}}@media (max-width:480px){.h1--dense{font-size:18px;line-height:26px}.body--dense{font-size:14px;line-height:22px}}[position=ntv-contentd]{display:none}[position=bottom],[position=mobilerec],[position=qotd-mob],[position=qotd],[position=top],[position=topx]{display:block;text-align:center;width:100%;z-index:3}[position=top]{align-items:center;display:flex;flex-direction:column;justify-content:center;min-height:134px;padding:30px 0 10px}[position=bottom],[position=topx]{min-height:90px;padding:60px 0 40px}.channel--ad [position=topx]{padding:16px 0 40px}.fbs-ad--bottom-wrapper{margin:0 30px;overflow:hidden}[position=bottom]{overflow-x:auto;padding-top:20px}.fbs-ad--mobile-medianet-wrapper>div,[position=mobilerec],[position=mobilex]{padding:20px 0}.fbs-ad--mobile-medianet-wrapper{padding:0 20px}.fbs-ad--fluid-top{display:block;padding-bottom:10px}body:not(.adblock-on) .fbs-ad--top-wrapper.fbs-ad--top-wrapper-with-label{display:block}body:not(.adblock-on) .fbs-ad--top-wrapper.fbs-ad--top-wrapper-with-label:before{color:#737373;content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;position:absolute;text-align:center;top:10px;width:100%}.no-ad-label:before{opacity:0;transition:opacity .1s ease-in-out .1s}.fbs-ad--top-wrapper{background-color:#f4f4f4;box-shadow:inset 0 -1px 0 0 #e2e2e2;display:none;height:114px;overflow:hidden;position:relative;transform:translateY(0);transition:background-color .2s ease;width:100%}.fbs-ad--top-wrapper.vetted-ad{height:170px}.fbs-ad--top-wrapper.fbs-ad--top-wrapper--desktop.fbs-ad--top-wrapper-with-label{display:block;transition:height .8s ease}.fbs-ad--top-wrapper.fbs-ad--top-wrapper--desktop.fbs-ad--top-wrapper-with-label:before{color:#737373;content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;position:absolute;text-align:center;top:10px;width:100%}.fbs-ad--top-wrapper.fbs-ad--top-wrapper--dont-stick{display:block;height:120px;padding-top:0;position:static;transition:height .8s ease}.fbs-ad--top-wrapper.fbs-ad--top-wrapper--sticky.vetted-ad{z-index:1}.fbs-ad--top-wrapper.fbs-ad--top-wrapper--sticky{left:0;position:fixed;top:56px;transition:height .8s ease;z-index:10}.fbs-ad--top-wrapper.top-ad-animation{transition:min-height .8s ease,transform .8s ease-in-out}.fbs-ad--top-wrapper.fbs-ad--top-wrapper--up{transform:translateY(0)}.fbs-ad--top-wrapper.fbs-ad--top-wrapper--takeover{background-color:#0000;box-shadow:none;transition:background-color .2s ease}.fbs-ad--top-wrapper.fbs-ad--top-wrapper--takeover fbs-ad,.fbs-ad--top-wrapper.fbs-ad--top-wrapper--takeover iframe{display:none}.fbs-ad--top-wrapper.animating{transition:transform 1.2s cubic-bezier(.19,1,.22,1)}.rec--sticky:not(.rec--absolute) fbs-ad>div{transition:transform .8s ease-in-out}.rec--sticky.rec--sticky--translate-down fbs-ad>div{transform:translateY(40px);transition:transform .8s ease-in-out}.rec--sticky fbs-ad{position:fixed;width:100%}.rec--absolute fbs-ad{left:50%;position:absolute;transform:translateX(-50%);width:100%}body:not(.adblock-on):not(.list-lander) fbs-ad:not([position=top]):not([position=ntv-deskchannel]):not([position=ntv-mobchannel]):not([position=ntv-home]):not([position=mobile]):not([position=mobsearch]):not([position=ntv-mobhome]):not([position=ntv-rail-2]):not([position=artbottom]):not([position=qotd]):not([position=qotd-mob]):not([position=stream]):not([position=mob-stream])>div.show-label{position:relative}body:not(.adblock-on):not(.list-lander) fbs-ad:not([position=top]):not([position=ntv-deskchannel]):not([position=ntv-mobchannel]):not([position=ntv-home]):not([position=mobile]):not([position=mobsearch]):not([position=ntv-mobhome]):not([position=ntv-rail-2]):not([position=artbottom]):not([position=qotd]):not([position=qotd-mob]):not([position=stream]):not([position=mob-stream])>div.show-label:before{content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) fbs-ad:not([position=top]):not([position=ntv-deskchannel]):not([position=ntv-mobchannel]):not([position=ntv-home]):not([position=mobile]):not([position=mobsearch]):not([position=ntv-mobhome]):not([position=ntv-rail-2]):not([position=artbottom]):not([position=qotd]):not([position=qotd-mob]):not([position=stream]):not([position=mob-stream])>.native-ad.show-label:before{content:"PROMOTED";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) fbs-ad>.blocker.show-label:before{content:"";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) .search-results__stream-ad{position:relative}body:not(.adblock-on):not(.list-lander) .search-results__stream-ad:before{content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) .main-content--desktop-article fbs-ad[position=top],body:not(.adblock-on):not(.list-lander) .main-content--desktop-article fbs-ad[position=topx],body:not(.adblock-on):not(.list-lander) .premium-container fbs-ad[position=top],body:not(.adblock-on):not(.list-lander) .premium-container fbs-ad[position=topx]{position:relative}body:not(.adblock-on):not(.list-lander) .main-content--desktop-article fbs-ad[position=top]>div.show-label:before,body:not(.adblock-on):not(.list-lander) .main-content--desktop-article fbs-ad[position=topx]>div.show-label:before,body:not(.adblock-on):not(.list-lander) .premium-container fbs-ad[position=top]>div.show-label:before,body:not(.adblock-on):not(.list-lander) .premium-container fbs-ad[position=topx]>div.show-label:before{content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) .main-content--desktop-article fbs-ad[position=top]{flex:1}body:not(.adblock-on):not(.list-lander) .main-content:not(.main-content--desktop-article) .search-results__stream-ad,body:not(.adblock-on):not(.list-lander) .main-content:not(.main-content--desktop-article) fbs-ad[position=mobilerec],body:not(.adblock-on):not(.list-lander) .main-content:not(.main-content--desktop-article) fbs-ad[position=mobilex],body:not(.adblock-on):not(.list-lander) .main-content:not(.main-content--desktop-article) fbs-ad[position=moreon],body:not(.adblock-on):not(.list-lander) .main-content:not(.main-content--desktop-article) fbs-ad[position=rec],body:not(.adblock-on):not(.list-lander) .main-content:not(.main-content--desktop-article) fbs-ad[position=recx],body:not(.adblock-on):not(.list-lander) .main-content:not(.main-content--desktop-article) fbs-ad[position=top],body:not(.adblock-on):not(.list-lander) .main-content:not(.main-content--desktop-article) fbs-ad[position=topx],body:not(.adblock-on):not(.list-lander) article .top-ad-container{color:#737373}body:not(.adblock-on):not(.list-lander) article .top-ad-container fbs-ad[position=top]{display:flex;justify-content:space-around}body:not(.adblock-on):not(.list-lander) article .main-content--body:not(.premium) fbs-ad[position=rec],body:not(.adblock-on):not(.list-lander) article .main-content--body:not(.premium) fbs-ad[position=recx],body:not(.adblock-on):not(.list-lander) article .main-content--body:not(.premium) fbs-ad[position=top]{color:#737373}body:not(.adblock-on):not(.list-lander) article .main-content--body:not(.premium) .footer-ad-labeling:after{color:#737373;content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) article .main-content--body:not(.premium) .footer-ad-labeling.no-label:after{content:"";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) .fbs-ad--bottom-medianet-wrapper,body:not(.adblock-on):not(.list-lander) .fbs-ad--mobile-medianet-wrapper{color:#737373;position:relative}body:not(.adblock-on):not(.list-lander) .fbs-ad--bottom-medianet-wrapper>div:before,body:not(.adblock-on):not(.list-lander) .fbs-ad--mobile-medianet-wrapper>div:before{content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) .gallery-wrap .fbs-ad--rec-wrapper,body:not(.adblock-on):not(.list-lander) .gallery-wrap .fbs-ad--recx-wrapper{display:flex}body:not(.adblock-on):not(.list-lander) .contributor-leaderboard-ad fbs-ad[position=top]>div.show-label:before{content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) .article-body:not(.fs-premium) .footer-ad-labeling,body:not(.adblock-on):not(.list-lander) .article-footer .footer-ad-labeling{margin-top:1rem}body:not(.adblock-on):not(.list-lander) .article-body:not(.fs-premium) .footer-ad-labeling:after,body:not(.adblock-on):not(.list-lander) .article-footer .footer-ad-labeling:after{color:#737373;content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) .article-body:not(.fs-premium) .footer-ad-labeling.no-label:after,body:not(.adblock-on):not(.list-lander) .article-footer .footer-ad-labeling.no-label:after{content:"";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}body:not(.adblock-on):not(.list-lander) .medianet-disabled{display:none}.beta-flag{align-items:center;background-color:#fff;border:1px solid #e3e3e3;display:flex;font:500 14px Graphik,Helvetica;height:32px;left:0;padding:2px 8px;position:fixed;top:56px;z-index:1000}.beta-flag-hidden{display:none}.beta-flag-label{align-items:center;display:flex;text-transform:uppercase}.beta-flag-info-icon{align-items:center;display:flex;margin-left:-6px;width:22px}.beta-flag-info{align-items:center;display:none}.beta-flag-info span{color:#007ac8;cursor:pointer;display:flex;display:inline-block;text-decoration:underline}.beta-close-icon{display:none;position:absolute;right:8px;width:16px}.beta-close-icon svg{fill:#333}@media (min-width:768px){.beta-flag:hover .beta-flag-label{display:none}.beta-flag:hover .beta-flag-info{display:flex}}@media (max-width:768px){.beta-flag-full-width{width:100%}.beta-close-icon{display:flex}.beta-flag-info{justify-content:center;width:100%}}.voice{color:#ff696f}.ftc-label,.paid-program{color:#737373;font:400 14px/16px Graphik,Helvetica}.voice__disclaimer{position:relative}.ftc-disclaimer:hover .ftc-disclaimer__tooltip,.voice:hover .ftc-disclaimer__tooltip{display:block}.brand,.brand-voice{font:12px Graphik,Helvetica;letter-spacing:-.2px}.brand{color:#737373;text-transform:capitalize}.brand-voice{color:#c41a23}.insights{color:#5c76f6}.insights__title{position:relative;text-decoration:none}.insights__title--name{font-size:14px;font-weight:700;text-decoration:none}.insights__title--mobile{display:inline-block;text-decoration:none}.ftc-disclaimer__tooltip{align-items:center;background-color:#e6e6e6;box-shadow:0 0 6px 2.5px #e6e6e6;color:#333;z-index:12}.ftc-disclaimer:hover .ftc-disclaimer__tooltip{display:block}.ftc-disclaimer .paid-program-label{color:#737373;font:400 12px/16px Graphik,Helvetica}.ftc-disclaimer.amp{box-shadow:0 0 6px 2.5px #e6e6e6;font:12px/16px Graphik,Helvetica;left:50%;padding:12px;transform:translateX(-50%);z-index:10}.ftc-disclaimer.amp:before{content:none}.ftc-disclaimer__tooltip{background-color:#e2e2e2;bottom:2em;box-shadow:0 0 6px 2.5px #e2e2e2;color:#181716;font:400 12px/16px Graphik,Helvetica;left:50%;padding:12px;text-transform:none;transform:translateX(-50%);width:275px}.premium-container .disqus-comment-count{align-self:center;background:#e6e6e6;border:1px solid #333;border-radius:2px;color:#181716;font:600 10px/10px Graphik,Helvetica;height:16px;letter-spacing:-.14px;margin-left:10px;min-width:24px;padding:3px 6px;position:relative;text-align:center;width:auto}.premium-container .disqus-comment-count:before{border-left:4px solid #0000;border-right:4px solid #0000;border-top:4px solid #333;bottom:-4px;content:" ";left:50%;position:absolute;transform:translateX(-50%)}.premium-container .disqus-comment-count:after{border-left:3px solid #0000;border-right:3px solid #0000;border-top:3px solid #e6e6e6;bottom:-3px;content:" ";left:50%;position:absolute;transform:translateX(-50%)}.premium-container .disqus-comment-count.active{cursor:pointer}.disqus-login-button{background-color:#e6e6e6;border:.5px solid #333;border-radius:4px;font:normal 16px/24px Graphik,Helvetica;height:48px;letter-spacing:-.3px;margin:22px 0;width:100%}.disqus-login-button.disqus-login__hide{display:none!important}.disqus-disclaimer{font-size:12px;margin:24px 0}.footer{background:#f0f0f0;bottom:0;color:#181716;left:0;min-height:235px;overflow:hidden;position:relative;text-align:center;width:100%}.footer__magazine-image img,.footer__magazine-image progressive-image{pointer-events:none}.footer__logo{border-bottom:1px solid #ccc;padding-bottom:12px;padding-top:26px}.footer__logo svg{width:120px}.footer__logo .footer__copyright{display:block;font:10px Graphik,Helvetica;padding-top:16px}.footer__links{margin:20px 10px}.footer__links a,.footer__links li{align-items:center;color:#181716;display:inline-block;flex-flow:row wrap;font:14px Graphik,Helvetica;justify-content:space-between;list-style:none;padding:0 5px;text-decoration:none}.footer__links a .mob,.footer__links li .mob{display:none}@media (max-width:768px){.footer{padding:0 48px}.footer__links a,.footer__links li{font-size:11px}}@media (max-width:480px){.footer__links{display:flex;flex-direction:column;margin:0 auto 20px}.footer__links a,.footer__links li{font-size:14px;padding:5px 0}.footer__links a .desk,.footer__links li .desk{display:none}.footer__links a .mob,.footer__links li .mob{display:inline;visibility:visible}.footer--mobile{padding-bottom:70px}.footer--mobile-fluid{padding-bottom:120px}}.main-content{background-color:#fff;left:0;overflow:hidden;position:relative;transition:left .4s ease;z-index:2}.et-on .main-content{transform:translateX(300px)}.et-on .main-content .header{left:auto}.et-on .et-btn-container{margin-left:160px}.main-content--desktop-article{overflow:initial}.main-content--desktop-article .main-content--body{min-height:85vh;padding-top:0}.main-content--desktop-padding{padding-top:340px}.main-content--mobile-padding{padding-top:66px}.main-content--universal-header{padding-top:56px}.main-content--right{display:flex;flex-direction:column;height:100%;overflow-y:scroll;width:100%}.main-content--right .playlists-container .fs-content{margin:0 80px}.main-content--overflow-visible{overflow:visible}.main-content__left-col{clear:left;float:left;width:calc(100% - 354px)}.main-content__right-col{clear:right;float:right}.main-content__body--animating{transition:padding-top .8s ease}.main-content--without-stick{padding-top:0}progressive-image img{width:100%}@media (max-width:1024px){.touch-screen-input-fixed-modal{-webkit-overflow-scrolling:touch!important;height:100%!important;overflow:auto!important}.main-content--universal-header{padding-top:56px}}@media (max-width:480px){.main-content--body{padding-top:0}}#lanyard_root * #banner-title{font:600 18px/24px Graphik,Helvetica}#lanyard_root * #banner-description{font:400 14px/20px Graphik,Helvetica}#lanyard_root * #preference-title{font:600 36px/48px Graphik,Helvetica}#lanyard_root * #prefrence-description{font:400 12px/16px Graphik,Helvetica}#lanyard_root * #modal-title{font:600 18px/24px Graphik,Helvetica}#lanyard_root * #modal-description{font:400 12px/16px Graphik,Helvetica}#lanyard_root * div[class*=switch__]:focus-within,#lanyard_root :focus-visible{outline:3px solid #4285f4}.header.universal-header{left:0;position:fixed;top:0;transition:transform .8s ease-in-out;width:100%;z-index:10000}.header.universal-header .manage-wallet,.header.universal-header .manage-wallet:hover{background:none}.container__subnav--outer.vetted{min-height:56px}.container__subnav--outer.vetted .container__subnav--inner{border-bottom:none;height:54px;margin:0;padding:0}@media(min-width:1231px){.container__subnav--outer.vetted .container__subnav--inner .vetted-subnav-container div:first-child{margin:15px 0 15px 24px;max-width:120px}.container__subnav--outer.vetted .container__subnav--inner .vetted-subnav-container ul.linkListWrapper{gap:32px}.container__subnav--outer.vetted .container__subnav--inner .vetted-subnav-container svg{height:24px}}@media(max-width:1230px){.container__subnav--outer.vetted .container__subnav--inner .vetted-subnav-container div:first-child{margin:8px 0 8px 16px;max-width:120px}.container__subnav--outer.vetted .container__subnav--inner .vetted-subnav-container ul.linkListWrapper{gap:16px;padding:0 32px 0 16px}.container__subnav--outer.vetted .container__subnav--inner .vetted-subnav-container svg{height:16px}}@media(max-width:1024px){.container__subnav--outer.vetted{height:83px}.container__subnav--outer.vetted .vetted-subnav-container{min-height:83px}}.smooth-scrolling{scroll-behavior:smooth;scroll-padding:72px 0 0}.article-body-container .table-of-contents,.fs-article .table-of-contents{background-color:#fff;border:1px solid #e2e2e2;margin-bottom:40px;padding:32px 16px 16px 20px;position:relative;width:100%}.article-body-container .table-of-contents .article-sharing,.fs-article .table-of-contents .article-sharing{left:-50px;position:absolute;top:0}@media(max-width:1230px){.article-body-container .table-of-contents--mobile,.fs-article .table-of-contents--mobile{margin-bottom:34px}}.article-body-container .table-of-contents--header,.fs-article .table-of-contents--header{color:#d8361e;font:600 12px/1.5 Graphik,Helvetica}.article-body-container .table-of-contents--menu,.fs-article .table-of-contents--menu{list-style:none;padding:0}.article-body-container .table-of-contents--list-Item,.fs-article .table-of-contents--list-Item{align-items:center;display:flex;margin:10px 0}.article-body-container .table-of-contents--list-Item:before,.fs-article .table-of-contents--list-Item:before{color:#d8361e;content:"•";display:inline-block;font-size:32px}.article-body-container .table-of-contents--anchor,.fs-article .table-of-contents--anchor{color:#333;font:400 14px/1.45 Graphik,Helvetica;margin:0 0 0 9px;text-decoration:none}.article-body-container .table-of-contents--anchor:hover,.fs-article .table-of-contents--anchor:hover{cursor:pointer;text-decoration:underline}.article-body-container .anchorPoint,.fs-article .anchorPoint{scroll-margin-top:144px}.priceTickerContainer{display:flex;height:56px}.priceTickerContainer>button{max-width:194px;z-index:2}@media screen and (max-width:480px){.priceTickerContainer>button{max-width:126px}}.container__assetticker--outer{overflow-x:visible}.tickerCard{min-height:56px}.assetPriceTicker{height:56px;width:calc(100% - 194px)}@media screen and (max-width:480px){.assetPriceTicker{width:calc(100% - 126px)}}.assetPriceTicker div{overflow-y:hidden}.assetPriceTicker div:first-of-type{max-height:56px}ul{width:100%}.subnav_title{text-decoration:none}.subnav__dropdown-item_all{display:none}.overlay__subnav{background:#0000;display:none;height:100%;position:fixed;top:0;width:100%;z-index:8}@media(min-width:769px){.overlay__subnav{display:none}}.overlay__subnav--show{display:block}.fda-logo-container .fda-logo svg{height:16px}@media(max-width:767px){.fda-logo-container .fda-logo svg{height:12px;width:225px}}@media(max-width:1230px){.container__subnav--outer ul{gap:32px}}@media(max-width:768px){.container__subnav--outer ul{gap:64px}}@media(max-width:480px){.container__subnav--outer ul{gap:24px}}.notificationBubble{position:absolute;top:48px}@media(max-width:1024px){.notificationBubble{top:102px}}@media(max-width:768px){.notificationBubble{top:83px}}@media(max-width:480px){.notificationBubble>div{width:235px}}.container__subnav--outer{overflow-x:unset;padding-bottom:0;position:sticky;top:56px;width:100%;z-index:9}@media(min-width:480px){.container__subnav--outer .linkListWrapper{gap:64px}}@media(min-width:768px){.container__subnav--outer .linkListWrapper{gap:32px}}@media(min-width:1024px){.container__subnav--outer .linkListWrapper{gap:28px}}@media(min-width:1230px){.container__subnav--outer .linkListWrapper{gap:56px}}.et-on .container__subnav--outer{position:static}.container__subnav--inner{background:#fff;border-bottom:1px solid #e2e2e2;box-sizing:border-box}@media(min-width:769px){.container__subnav--inner{padding-left:32px}}.subnav-container__dropdown{background-color:#fff;border-radius:4px;box-shadow:0 5px 15px 0 #0000001a;margin-top:2px;max-width:100%;top:100%;z-index:1}@media(min-width:769px){.subnav-container__dropdown{max-width:300px}}@media(max-width:768px){.subnav-container__dropdown{margin-top:1px}}.subnav,.subnav__menu-container{flex-grow:1;height:54px;width:100%}@media(min-width:769px){.subnav,.subnav__menu-container{align-items:center;display:flex}}.subnav__menu-container{align-items:center;display:flex;position:relative}@media(min-width:769px){.subnav__menu-container{justify-content:flex-end}}.subnav__brand{align-items:center;border-bottom:1px solid #e2e2e2;display:flex;font:600 14px/1.4 Graphik,Helvetica;height:34px;letter-spacing:-.2px;padding:0 16px;white-space:nowrap}@media(min-width:769px){.subnav__brand{border-bottom:none;padding:0}}@media(min-width:768px){.subnav__brand{font-size:16px}}@media(max-width:340px){.subnav__brand{font-size:13px}}.subnav__brand--content-type{color:#333;font-weight:400;margin:0 4px}.subnav__brand--blog-type{color:#d8361e}@media(max-width:768px){.subnav__brand--hide-small-only{display:none}}@media(min-width:769px){.subnav__brand--show-small-only{display:none}}.subnav__wrap{align-items:center;background:#fff;border-bottom:1px solid #e2e2e2;display:flex;height:54px;overflow-x:auto;padding:0 4px;position:absolute;scrollbar-width:none;width:100%}.subnav__wrap::-webkit-scrollbar{display:none}.subnav__wrap .subnav__item:last-child .desktop-subnav-menu{left:unset;right:-30px}.subnav__wrap .subnav__item:last-child ::-webkit-scrollbar{width:0}@media (max-width:1024px){.subnav__wrap{height:55px}}@media (max-width:768px){.subnav__wrap{height:55px;padding:0 28px}}@media (max-width:480px){.subnav__wrap{padding:0}}@media(min-width:769px){.subnav__wrap{justify-content:flex-end;margin:unset;overflow-x:unset;padding:unset;width:fit-content}}.subnav__item{align-items:center;background:#fff;color:#333;cursor:pointer;display:flex;font:14px/1.43 Graphik,Helvetica;height:100%;justify-content:center;list-style:none;margin:0 16px;position:relative;text-align:center;text-decoration:unset;white-space:nowrap}.subnav__item button{color:inherit}.subnav__item a{color:#333}.subnav__item:active,.subnav__item:focus,.subnav__item:hover{border-bottom:2px solid #181716;outline:none;text-shadow:0 0 .4px #111}@media(min-width:769px){.subnav__item:active,.subnav__item:focus,.subnav__item:hover{padding:17px 0 15px}}.subnav__item:active:last-of-type:after,.subnav__item:focus:last-of-type:after,.subnav__item:hover:last-of-type:after{width:calc(100% - 16px)}@media(min-width:769px){.subnav__item:hover .subnav-container__dropdown{display:block}}.subnav__dropdown-item,.subnav__item>button{font:400 14px/1.43 Graphik,Helvetica;letter-spacing:-.2px;text-decoration:none;text-shadow:none}@media(max-width:1024px){.subnav__dropdown-item,.subnav__item>button{letter-spacing:-.1px}}.subnav__dropdown{background:#fff;position:absolute;width:max-content}.subnav__dropdown-item{color:#333;letter-spacing:-.1px;line-height:2;margin:0;text-decoration:none;width:100%}.subnav__dropdown-item:hover{background-color:#e2e2e2}@media(max-width:768px){.subnav__dropdown-item{align-items:center;display:flex}}.subnav__dropdown-item-title{-webkit-box-orient:vertical;-webkit-line-clamp:2;color:#333;display:-webkit-box;font-weight:500;letter-spacing:-.2px;line-height:1.57;max-height:56px;overflow:hidden;padding:10px 16px;text-decoration:none;text-overflow:ellipsis;white-space:normal;width:100%}@media (min-width:1025px){.subnav__dropdown-item-title{max-width:207px}}.desktop-subnav-menu,.mobile-subnav-menu{background:#fff;display:none;flex-direction:column;height:auto;max-height:calc(100vh - 250px);overflow:auto;padding:12px 0;position:absolute;top:52px}@media(min-width:769px){.desktop-subnav-menu,.mobile-subnav-menu{left:-16px;padding:16px 0;text-align:left;width:max-content}}@media (max-width:1024px){.desktop-subnav-menu,.mobile-subnav-menu{top:53px}}@media (max-width:768px){.desktop-subnav-menu,.mobile-subnav-menu{top:54px}}.desktop-active,.mobile-active{display:flex;flex-direction:column}@media(max-width:768px){.menu__view--desktop{display:none}}@media(min-width:769px){.menu__view--mobile{display:none}.brand__name>svg{margin-top:4px}}@media (max-width:768px){.brand__name>svg{height:12px;margin-left:19px;width:90px}}@media (max-width:480px){.brand__name>svg{margin-left:18px}}@media (min-width:769px){.container__subnav--inner{padding-left:19px;padding-right:14px}}@media (min-width:1440px){.container__subnav--inner{height:54px;padding-left:33px;padding-right:16px}}@media (max-width:768px){.subnav_title{pointer-events:none}.subnav__dropdown--all,.subnav__dropdown-item_all{display:block;font-size:12px}.subnav__dropdown-item,.subnav__item>button{line-height:1.57}.subnav{height:54px}}@media (max-width:480px){.subnav__dropdown-item,.subnav__item>button{line-height:1.43}}.recirc-module{border-bottom:1px solid #ebebeb;border-top:1px solid #ebebeb;clear:both;contain-intrinsic-height:500px;content-visibility:auto;margin-bottom:12px;padding:12px 0}.recirc-module-body .recirc-module-title{color:#333;font:12px/18px Graphik,Helvetica;letter-spacing:.5px}.recirc-module-body .recirc-module-title span{margin-left:5px}.recirc-module-body .forbes-shop-link{text-decoration:none}.recirc-module-body .forbes-shop{color:#333;font-weight:600;letter-spacing:.5px}.recirc-block-padding{padding-top:13px}.recirc-block,.recirc-block-padding{display:flex;justify-content:space-between}.recirc-block{align-items:center;margin-top:12px}.seo-save-article{margin-left:16px}.recirc-content{padding-right:10px;width:75%}.recirc-content .recirc-link{text-decoration:none}.recirc-content .recirc-link:hover{text-decoration:underline}.recirc-link h3.recirc-headline,.recirc-link h3.recirc-headline-no-margin{color:#333;font:700 16px/24px Merriweather,GeorgiaCustom;margin:0}.recirc-img{background:no-repeat 50%;background-size:cover;height:0;padding-bottom:14.0625%;width:25%}.recirc-author,.recirc-author-name,.recirc-author-type{display:inline-block}.recirc-content a.recirc-author{color:#333;font:12px/18px Graphik,Helvetica;text-decoration:none;text-decoration-color:#333}.recirc-content a.recirc-author--vetted{font-size:12px;line-height:16px}.recirc-author-name{font-weight:600;margin:0 4px}.recirc-author-type{color:#737373;font:12px/12px Graphik,Helvetica}.grid__ad-container{margin:0 auto 40px}.grid__ad-container fbs-ad[position=mobilex],.grid__ad-container fbs-ad[position=topx]{align-items:center;display:flex;justify-content:center;margin:0 calc(50% - 50vw);padding:0;width:100vw}.grid__ad-container fbs-ad[position=mobilex] .show-label,.grid__ad-container fbs-ad[position=topx] .show-label{width:100%}.grid__ad-container fbs-ad[position=topx]{min-height:290px}.grid__ad-container fbs-ad[position=mobilex]{min-height:50px}.grid__wrapper{display:none;flex-wrap:wrap;justify-content:center}.grid__wrapper.grid__one_item{justify-content:flex-start}.grid__wrapper.active{display:flex}.grid__vertical-pipe{background-color:currentColor;height:24px;width:1px}.grid__wrapper--1{justify-content:flex-start}.grid__headline-wrapper{align-items:center;display:flex;margin-bottom:24px}.grid__more-from{font:600 24px Graphik,Helvetica;letter-spacing:-.6px;padding-right:12px;text-transform:capitalize}.grid__season-dropdown{align-items:center;color:#737373;cursor:pointer;display:flex;font:400 16px/28px Graphik,Helvetica;letter-spacing:-.4px;padding:0 12px;position:relative;white-space:nowrap}.grid__season-dropdown.active .grid__dropdown-content{display:block}.grid__season-dropdown.active .grid__season-dropdown-icon{transform:rotate(180deg)}.grid__dropdown-content{background-color:#fff;border:1px solid #e2e2e2;color:#333;display:none;font:16px/16px Graphik,Helvetica;margin-left:-12px;position:absolute;top:calc(100% + 18px);width:100%;z-index:2}.grid__season-item{border-bottom:1px solid #e2e2e2;cursor:pointer;padding:7px 12px 8px}.grid__season-item:last-child{border:0}.grid__season-item.selected{font-weight:600}.grid__episodes{color:#737373;font:400 16px/28px Graphik,Helvetica;letter-spacing:-.4px;padding-left:12px;white-space:nowrap}.grid__season-dropdown-icon{height:11px;margin-left:4px;transition:transform .3s ease,-webkit-transform .3s ease;width:11px}.grid__season-dropdown-icon svg{fill:currentColor;display:block}.grid__item{margin:0 40px 40px 0;width:calc(25% - 30px)}.grid__image{background-position:50% 50%;background-repeat:no-repeat;background-size:cover;height:100%;left:0;position:absolute;text-decoration:none;top:0;width:100%}.grid__item-info{margin-top:13px;padding-right:8px}.grid__title{text-decoration:none}.grid__title-text{color:#333;font:700 14px/24px Merriweather,GeorgiaCustom;word-break:break-word}.video__watch-wrapper--grid{bottom:0;color:#fff;display:flex;flex-direction:row;font:12px/14px Graphik,Helvetica;left:8px;margin-bottom:10px;position:absolute;text-shadow:0 1px 2px #0006}.video__watch-wrapper--grid .fs-icon{fill:#fff;border-radius:50%;box-shadow:0 1px 2px 0 #0006;height:14px;margin:0 5px;width:14px}.video__watch-wrapper--grid .video__watch{font-weight:700;letter-spacing:1.6px}.video__watch-wrapper--grid .video__duration{font-weight:600}.grid__wrapper--lazy,.grid__wrapper--lazy.active{display:none}.grid__more-items-wrapper{margin-bottom:40px;text-align:center}.grid__load-more{background-color:#333;border-radius:1px;box-shadow:0 2px 4px 1px #0003;color:#fff;cursor:pointer;display:inline-block;font:400 14px/28px Graphik,Helvetica;letter-spacing:-.16px;overflow-anchor:none;padding:9px 36px 11px}.grid__load-more.hidden{display:none}.grid__load-more:hover{background:gray}.grid__load-more:active{box-shadow:none}.grid__load-more:focus{outline:0}.grid__ad-container--amp{align-items:center;display:flex;flex-direction:column;margin:0 calc(50% - 50vw) 20px;width:100vw}.grid__ad-container--amp:before{content:"ADVERTISEMENT";display:block;font:400 10px/10px Graphik,Helvetica;margin-bottom:10px;text-align:center;width:100%}article:not(.fs-premium) .grid__ad-container--amp:before{color:#737373}.grid__poster{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) 35% no-repeat center center;position:relative}.grid__poster:before{content:"";display:block;padding-bottom:56.25%}@media (min-width:1025px){.grid__item:nth-child(4n){margin-right:0}.grid__wrapper--3 .grid__item{width:calc(33.33333% - 26.66667px)}.grid__wrapper--3 .grid__item:nth-child(3n){margin-right:0}.grid__wrapper--1 .grid__item,.grid__wrapper--2 .grid__item{width:calc(50% - 20px)}.grid__wrapper--1 .grid__item:nth-child(2n),.grid__wrapper--2 .grid__item:nth-child(2n){margin-right:0}}@media (max-width:1024px){.grid__item{margin-right:25px;width:calc(33.33333% - 16.66667px)}}@media (max-width:1024px)and (min-width:481px){.grid__item:nth-child(3n){margin-right:0}.grid__wrapper--1 .grid__item,.grid__wrapper--2 .grid__item{width:calc(50% - 12.5px)}.grid__wrapper--1 .grid__item:nth-child(2n),.grid__wrapper--2 .grid__item:nth-child(2n){margin-right:0}}@media (max-width:768px){.grid__headline-wrapper{flex-wrap:wrap}.grid__more-from{border:0;margin-bottom:12px;padding:0;width:100%}.grid__more-from+.grid__vertical-pipe{display:none}.grid__season-dropdown{padding-left:0}.grid__dropdown-content{margin-left:0;top:calc(100% + 8px)}}@media (max-width:480px){.grid__ad-container{margin-bottom:20px}.grid__poster{margin-right:10px;position:relative;width:48.7%}.grid__poster:before{content:"";display:block;padding-bottom:56.25%}.grid:not(:empty){min-height:235px}.grid__headline-wrapper{flex-wrap:wrap;margin-bottom:16px}.grid__vertical-pipe{height:12px}.grid__more-from{font-size:16px;padding-right:10px}.grid__episodes,.grid__season-dropdown,.grid__season-item{font-size:12px;line-height:normal}.grid__season-dropdown{padding-right:10px}.grid__episodes{padding-left:10px}.grid__item{display:flex;margin:0 10px 20px 0;min-height:83px;width:100%}.grid__item-info{margin-top:0;padding-right:0;width:48.7%}.grid__title-text{-webkit-line-clamp:4;-webkit-box-orient:vertical;display:-webkit-box;overflow:hidden}.video__watch-wrapper--grid .video__watch{letter-spacing:1.33px}}.newsletter__cta--default{margin-top:16px;padding:0 15px}.button__view-full-portfolio,.cta__download-pdf,.newsletter__cta--default{align-items:center;background-color:#fcfcfc;border:1px solid #333;border-radius:1px;color:#333;cursor:pointer;display:flex;font:normal 12px/2.33 Graphik,Helvetica;height:32px;justify-content:center;text-decoration:none;width:fit-content}.button__view-full-portfolio,.cta__download-pdf{padding:2px 16px}.button__view-full-portfolio{margin-right:8px}@media(max-width:480px){.container__pdf-cta a.cta__download-pdf{color:#333;margin-bottom:30px}}.container__view-full-portfolio{margin:8px 0 16px}.fin-article{display:flex;margin-bottom:8px}.cta__further-resource{font-size:14px;line-height:2}.following-overlay{background-color:#fff;box-shadow:0 5px 15px 0 #0000001a;color:#333;letter-spacing:-.2px;padding:16px;position:absolute;right:0;top:-70px;width:375px;z-index:98}.following-overlay .close-button{background-color:#fcfcfc;border-radius:50%;box-shadow:0 5px 10px 0 #0000001a;color:#333;height:40px;position:absolute;right:0;top:0;transform:translate(50%,-50%);width:40px}.following-overlay .fs-icon--close{fill:#737373;height:20px;left:50%;position:absolute;top:50%;transform:translate(-50%,-50%);width:20px}.following-overlay .following-title,.following-overlay .recommended-title{border-bottom:1px solid #e3e3e3;font:600 16px/1.38 Graphik,Helvetica;letter-spacing:-.2px;margin-bottom:16px;padding-bottom:8px}.following-overlay .there-are-no-additional-writers{display:none;font:600 12px/1.33 Graphik,Helvetica}.following-overlay .there-are-no-additional-writers:only-child{display:block}.following-overlay .following-outro{color:#333;font:600 12px/1.33 Graphik,Helvetica;margin:24px 0 26px}.following-overlay .following-outro a{color:#333;text-decoration:underline}.following-overlay .author-block{display:flex;flex-direction:row;justify-content:space-between;margin-bottom:24px}.following-overlay .author-avatar{background-position:50%;background-repeat:no-repeat;background-size:contain;border-radius:50%;margin-right:8px;min-height:64px;min-width:64px}.following-overlay .author-info{display:flex;flex-direction:column;justify-content:space-around;margin-right:16px}.following-overlay .author-name{color:#333;font:600 14px/1.57 Graphik,Helvetica}.following-overlay .author-bio{color:#6f6f6f;font:italic 12px/1.33 tabular-numbers,Georgia}.following-overlay fbs-cordial button{font:600 12px/1.33 Graphik,Helvetica;height:32px;padding:0;width:70px}.following-label{align-items:center;display:none;font:600 12px/1.33 Graphik,Helvetica;justify-content:space-between;min-width:105px;padding:8px 15px}.following-label:hover{background:#0000000a;border-radius:8px}.following-label.following{color:#007ac8;display:flex}.following-label .fs-icon--check-mark{fill:#fff;background:#007ac8;border:1px solid #007ac8;border-radius:50%;margin-bottom:1px;margin-right:4px;width:14px}.following-label .fs-icon--check-mark path{transform:scale(1.5) translate(-3px,-3px)}.following-overlay .following-label:hover{background:none}fbs-cordial[state=Unfollow]>.following-label{color:#007ac8;display:flex;text-decoration:none}fbs-cordial[state=Unfollow]>button{display:none}.authorLoadingBlock{display:flex;margin-bottom:24px}.lines-block{display:flex;flex-direction:column;justify-content:center}.loding-line{background-color:#e3e3e3;margin-bottom:8px}.image-circle{background-color:#e3e3e3;border-radius:50%;height:64px;margin:0 8px;width:64px}@media (max-width:480px){.following-overlay{left:0;position:fixed;top:56px;width:100%;z-index:1001}.following-overlay .close-button{right:20px;top:-10px}.following-overlay .following-outro{margin-bottom:32px}}.premium-breadCrumbs-container{background-color:#181716;line-height:12px;position:relative;width:100%;z-index:1}.premium-breadCrumbs-container .breadcrumbs-component{padding-block:8px;padding-left:20px}.premium-breadCrumbs-container .breadcrumbs-component a{color:#bbb}.premium-breadCrumbs-container .breadcrumbs-component .chevron-right_svg__fs-icon path{fill:#bbb}.premium-breadCrumbs-container .breadcrumbs-component span:last-of-type a{color:#fff}.premium-breadCrumbs-container--hero{transform:translateY(66px)}@keyframes menu-slide-up{0%{transform:translateY(100%)}to{transform:translateY(0)}}@keyframes menu-slide-down{0%{transform:translateY(0)}to{transform:translateY(100%)}}.table-container{margin:20px 0}.table-container .table-title{color:#737373;font:600 12px/16px Graphik,Helvetica;margin-bottom:8px}.table-container .tags-wrapper{display:flex;flex-wrap:wrap;gap:16px 32px;margin:0;padding-left:16px}.table-container .tags-wrapper .tag-placeholder,.table-container .tags-wrapper li::marker{font:600 12px/16px Graphik,Helvetica}.table-container .faq-template,.table-container .tag-content{color:#333;text-decoration:none}.table-container .faq-template:hover,.table-container .tag-content:hover{text-decoration:underline}.table-container .tag-placeholder{margin-left:0;width:calc(50% - 16px)}.evergreen-lightbox{background-color:#333333e6;display:none;height:100%;left:0;position:fixed;top:0;width:100%;z-index:9}.show{display:block}.mobile-container{background-color:#fff;bottom:0;height:50vh;left:0;margin-bottom:0;position:fixed;width:100vw;z-index:2}.menu-container{align-items:center;display:flex;gap:14px;justify-content:flex-end}.menu-title{color:#737373;font:600 12px/16px Graphik,Helvetica}.content-menu{align-items:center;background-color:#f0f0f0;border-radius:8px;display:flex;height:36px;justify-content:center;width:36px}.content-menu svg{fill:#333;height:24px;width:24px}.mobile-container{animation:menu-slide-up 1s forwards;border-radius:8px;padding:16px}.close-animation{animation:menu-slide-down 1s forwards}.menu-header{align-items:center;display:flex;justify-content:space-between;margin-bottom:32px;width:100%}.close-icon{display:flex}.close-icon svg{fill:#737373;height:20px;width:20px}.menu-items{display:flex;flex-direction:column;gap:28px;height:calc(100% - 64px);overflow:auto}.menu-items .item-content,.menu-items .item-content-faq,.menu-items li::marker{color:#737373;font:700 14px/22px Merriweather,GeorgiaCustom;list-style-position:inside;margin:0}.menu-items .item-content{border-bottom:1px solid #e3e3e3;color:#737373;padding-bottom:28px}.menu-items .item-content:first-child{color:#333}.item-content-faq{color:#737373}.faqs-embed,.subhead-embed{scroll-margin-top:64px}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:400;src:local("Merriweather"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2) format("woff2")}@font-face{font-display:block;font-family:EuclidCircularB;font-style:normal;font-weight:700;src:local("EuclidCircular Bold"),local("EuclidCircular-Bold"),local("EuclidCircularB"),url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Bold.otf) format("opentype")}@font-face{font-display:block;font-family:EuclidCircularSB;font-weight:600;src:local("EuclidCircularSB"),local("EuclidCircular Semi Bold"),local("EuclidCircular-Semi-Bold"),url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Semibold.otf) format("opentype")}@font-face{font-display:block;font-family:EuclidCircular;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Regular.otf) format("opentype")}@font-face{font-family:Graphik Wide;font-style:normal;font-weight:600;src:url(https://i.forbesimg.com/assets/fonts/graphik-wide/graphik-wide-semibold.woff2) format("woff2")}@font-face{font-display:block;font-family:SchnyderL demi;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/SchnyderL-Demi.otf) format("opentype")}@font-face{font-display:block;font-family:SchnyderS demi;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("woff2")}@font-face{font-family:Schnyder Cond S;font-style:normal;font-weight:700;src:url(https://i.forbesimg.com/assets/fonts/schnyder-cond/schnyder-cond-bold.woff2) format("woff2")}@font-face{font-family:Schnyder Cond S;font-style:normal;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/schnyder-cond/schnyder-cond-light.woff2) format("woff2")}@font-face{ascent-override:68%;descent-override:0%;font-family:GeorgiaCustom;line-gap-override:2%;size-adjust:110%;src:local(Georgia)}.edited-by-wrapper{color:#333;font:400 14px/22px Graphik,Helvetica;margin-bottom:8px}.editor-name{font-weight:600}@media(max-width:480px){.edited-by-wrapper{margin:0}}.body--no-scroll{overflow:hidden}.contributor__retracted{animation:retracted-fade-in 2s;background-color:#fcfcfce6;height:100vh;position:fixed;width:100%;z-index:3}.contributor-retracted-note{padding:30px 10%;top:0}.contributor-retracted-note p{font:600 18px Graphik,Helvetica}.contributor-retracted-note a{color:#181716;font:600 12px/14px Graphik,Helvetica}.contributor-retracted__editor{background-color:#f1c759;display:inline-block;font:600 12px/16px Graphik,Helvetica;letter-spacing:.5px;margin-bottom:30px;padding:8px 12px}.contributor-retracted__title{font:600 24px Graphik,Helvetica;margin-bottom:24px}.contributor-retracted__divider{background-color:#c2250e;height:4px;margin:24px 0;width:35px}.contributor-retracted__link{display:flex;text-decoration:none}.contributor-retracted__link:first-of-type{margin-bottom:20px}.contributor-retracted__arrow{height:12px;margin:0 0 0 6px;pointer-events:none;width:12px}@keyframes retracted-fade-in{0%{opacity:0}to{opacity:1}}fbs-ad[position=ntv-contentd]{display:none}.fbs-ad--artbottom-wrapper{margin:0 auto;max-width:1350px;padding:0 5%}fbs-ad[position=top] div{width:100%}.vestpocket{contain-intrinsic-height:250px;content-visibility:auto}.medianet,.medianet-wrapper{contain-intrinsic-height:500px;content-visibility:auto;display:block;margin:0;overflow:auto;width:100%}.medianet-wrapper:focus,.medianet:focus{outline:none}.mnet-box-topx{overflow-x:hidden}.mnet-box-topx .mnet-btf{margin-left:270px}.mnet-box-topx .mnet-btf .right-rail{padding:2% 8% 0 2%}.mnet-box{outline:none}.mnet-box.article-wrapper{margin-bottom:15px}.adblock-off{min-height:220px}.mnet-bta{margin:0 auto;max-width:1350px;padding:0}.mnet-bta.adblock-off{min-height:250px}.fs-vetted .mnet-btf{margin-left:0}.fs-vetted .right-rail{padding:2% 8% 0 2%}.mnet-btf{margin-left:400px}@media (max-width:1329px){.mnet-btf{margin-left:80px}}@media (max-width:1020px){.mnet-btf{margin-left:65px}}.mnet-btf.adblock-unused{min-height:250px}.mnet-btf>div>div{display:flex;justify-content:center}.mnet-btf>div>div iframe.body-container{max-width:750px}.mnet-btf>div>div .right-rail{min-width:400px}div[id*=div-belowarticle-inf]{display:none}.right-rail{padding-top:1.5rem}.top-ad-container{background:#f4f4f4;box-shadow:inset 0 -1px 0 0 #e2e2e2;display:flex;flex-direction:column;margin:0 auto;max-width:1920px;padding-top:0;transition:all 1s}.top-ad-container.paddingTopAdContainer{padding-top:100px}.top-ad-container.top-ad__ad-content,.top-ad-container.top-ad__connoisseur-content,.top-ad-container.top-ad__insights-content{height:auto;min-height:130px}.top-ad-container.top-ad__ad-content[data-height="250"],.top-ad-container.top-ad__connoisseur-content[data-height="250"],.top-ad-container.top-ad__insights-content[data-height="250"]{min-height:290px;padding:10px 0}.top-ad-container.top-ad__ad-content.top-ad__fluid fbs-ad[position=top],.top-ad-container.top-ad__connoisseur-content.top-ad__fluid fbs-ad[position=top],.top-ad-container.top-ad__insights-content.top-ad__fluid fbs-ad[position=top]{margin-top:10px}.top-ad-container.top-ad__ad-content fbs-ad[position=top],.top-ad-container.top-ad__connoisseur-content fbs-ad[position=top],.top-ad-container.top-ad__insights-content fbs-ad[position=top]{padding:0}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content){background:#fcfcfc;height:auto;min-height:max(304px,min(442px,calc(22vw + 30px)))}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content) .top-stories{position:absolute;visibility:hidden}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content) .top-stories .top-stories-img-container{display:none}@media (min-width:1921px){.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content){min-height:452px}}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__static .top-stories .top-stories-img,.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__static .top-stories .top-stories-img-placeholder{display:none}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__static fbs-ad[position=top]{padding:10px 0}@media (min-width:1850px){.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content)[data-height="90"]{min-height:max(304px,calc(22vw + 30px))}}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content)[data-height="90"] .top-stories{max-width:1850px;position:relative;visibility:visible}@media (min-width:1850px){.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content)[data-height="90"] .top-stories .top-stories-img,.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content)[data-height="90"] .top-stories .top-stories-img-container,.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content)[data-height="90"] .top-stories .top-stories-img-placeholder{display:block}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content)[data-height="90"] .top-stories .top-stories-img-placeholder{height:auto;padding-bottom:56.25%;width:auto}}@media (min-width:1891px){.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content)[data-height="250"] .top-stories{position:relative;visibility:visible}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content)[data-height="250"] .top-stories .top-stories-img-container{display:block}}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__fluid fbs-ad[position=top]{align-items:center;display:flex;padding:0}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__fluid fbs-ad[position=top]>div{min-height:294px;position:sticky;top:10px}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__fluid--xl fbs-ad[position=top]>div{min-height:calc(22vw + 20px)}@media (min-width:1921px){.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__fluid,.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__fluid--xl{min-height:calc(22vw + 30px)}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__fluid fbs-ad[position=top]>div,.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__fluid--xl fbs-ad[position=top]>div{min-height:442px}}.top-ad-container:not(.top-ad__ad-content):not(.top-ad__insights-content):not(.top-ad__connoisseur-content).top-ad__fluid--xs fbs-ad[position=top]>div{min-height:calc(9vw + 20px)}.sticky-top-ad{position:sticky;top:56px;transition:top .8s,padding .8s ease-in-out;width:100%;z-index:99}.sticky-top-ad--shopping{top:110px}.fs-article .vestpocket{margin-top:1.2rem;min-height:200px;width:100%}.fs-article .vestpocket p{color:#8c8c8c;font:10px/14px Graphik,Helvetica;letter-spacing:.3px;margin:0;padding-bottom:5px;text-align:center}.fs-article .key-facts-element:not(:last-child) .vestpocket{margin-bottom:1.2rem}.fs-article .vestpocket[displayntv]{display:inline-block}.ntv-wrapper{border-bottom:1px solid #e6e6e6;border-top:1px solid #e6e6e6;display:none;justify-content:center;margin:0;padding:16px 0}.ntv-ad{flex-basis:100%}.ntv-ad fbs-ad .headline{color:#333;font:700 .875rem/1.81 Merriweather,GeorgiaCustom}.ntv-ad fbs-ad .ratio-holder{display:none}.ntv-ad fbs-ad .str-bv{font:normal .75rem Graphik,Helvetica;text-align:left}.ntv-ad fbs-ad .voice{color:inherit}.ntv-ad:not(:first-child){padding-left:32px}.adblock-on .vestpocket,.fbs-spon-logo.blocked-ad,.main-content--body.premium fbs-ad[position=top].blocked-ad,.main-content--body.premium fbs-ad[position=topx].blocked-ad,fbs-ad[position=artbottom].blocked-ad{display:none}@media (max-width:1330px){.mnet-btf>div>div{align-items:center;flex-direction:column;margin:0 36% 0 0}.mnet-box-topx{overflow-x:hidden}.mnet-box-topx .mnet-btf .right-rail{padding:2% 8% 2% 7%}}@media (min-width:1760px){.mnet-btf{margin-left:0}.mnet-box-topx .mnet-btf{margin-left:400px}.mnet-box-topx .body-container:not(.body-topx){padding:0}}@media (min-width:1331px){.mnet-btf .right-rail{padding-bottom:2%}}@media (max-width:1759px){.mnet-box-topx .mnet-btf{margin-left:427px;max-width:1100px;width:100%}.mnet-box-topx .body-container:not(.body-topx){padding:0}}@media (max-width:1580px){.mnet-box-topx .mnet-btf{margin-left:400px;min-width:1100px;width:100%}.mnet-box-topx .body-container:not(.premium-container):not(.body-content):not(.body-topx){margin:auto}}@media (max-width:1230px){.right-rail{flex:0 0 300px}.mnet-btf .right-rail{min-width:400px}}@media (max-width:768px){.sticky-top-ad{top:48px}.fs-article .vestpocket{margin-top:0}.ntv-wrapper{flex-wrap:wrap;padding:16px 0}.ntv-wrapper .ntv-ad{padding-left:0;padding-right:0}.ntv-wrapper .ntv-ad h3{margin-bottom:0}.ntv-ad:not(:first-child){border-left:none;padding-top:16px}.ntv-ad:not(:last-child){border-bottom:1px solid #e6e6e6;padding-bottom:16px}.mnet-btf{margin-left:60px}}.fs-headline{color:#333;font:400 48px/1.2 SchnyderS demi,Garamond,serif;margin:1rem 0 0}.article-headline-container{position:relative}.breadCrumb-container{border-bottom:1px solid #e3e3e3;padding:14px 0 6px}.article-headline-container.masthead-header__container{padding-top:0}.article-headline-container.masthead-header__container.headline-embed .fs-headline.color-base{font:400 48px/1.2 SchnyderS demi,Garamond,serif;margin-top:12px}.premium-header h1.fs-headline.speakable-headline{font-family:SchnyderS demi,Garamond,serif}.premium-header.headline-embed .font-size{font:400 36px/1.22 SchnyderS demi,Garamond,serif}.masthead-article{border-bottom-color:#333}.masthead-article span a,.masthead-article span svg{fill:#fff;color:#fff}.article-deck{font:400 20px/28px tabular-numbers,Georgia;margin-top:16px}@media(max-width:768px){.article-headline-container.masthead-header__container.headline-embed .fs-headline.color-base,.fs-headline{font:400 32px/1.2 SchnyderS demi,Garamond,serif}}.sigfile{display:block;font-style:italic}.sigfile a{color:#003891;text-decoration:none}.sigfile a:hover{text-decoration:underline}.article-sharing{display:inline-block;position:relative}.article-sharing .article-sharing__container{display:flex;flex-direction:column;margin:0}.article-sharing .article-sharing__item{display:inline-block;height:24px;margin:0 0 28px;width:36px}.article-sharing a{fill:#a1a1a1;align-items:center;display:flex;height:100%;justify-content:center;width:100%}.article-sharing .fs-icon{height:100%;pointer-events:none;width:100%}.article-sharing .social-share-menu>button{align-items:center;display:flex;height:32px;justify-content:center;width:32px}.article-sharing .social-share-menu svg{height:16px;width:16px}.article-sharing .social-icon:hover{fill:#007ac8}.article-sharing .screen-reader-text{position:absolute;visibility:hidden}.article-sharing .light-text{opacity:.8}.article-sharing .color-change{color:#a1a1a1}.article-sharing-premium{min-height:fit-content}.image-embed{break-inside:avoid}.shopping-article a{text-decoration:underline}.shopping-article a:hover{color:#333}@media(min-width:480px)and (max-width:1023px){.article-sharing.forbes-advisor,.article-sharing.fs-vetted{display:none}}.top-author-block a,.top-contrib-block a{text-decoration:none}.top-author-block .no-margin,.top-contrib-block .no-margin{margin:0}.top-author-block.hide-contribs .contribs,.top-author-block.hide-contribs .vetted-author,.top-contrib-block.hide-contribs .contribs,.top-contrib-block.hide-contribs .vetted-author{display:none}.top-author-block.hide-contribs .article-sharing,.top-contrib-block.hide-contribs .article-sharing{margin:auto}.top-author-block.no-border,.top-contrib-block.no-border{border:0}.premium-sharing-container{align-items:center;display:flex}.contribs,.premium-sharing-container:only-child,.vetted-author{width:100%}.short-bio{color:#737373;font:italic 14px/22px tabular-numbers,Georgia}.short-bio:not(.premium-short-bio){-webkit-box-orient:vertical;-webkit-line-clamp:2;display:-webkit-box;overflow:hidden;text-overflow:ellipsis}.premium-short-bio{color:#737373;font:italic 14px/16px tabular-numbers,Georgia;margin-top:4px}.width-fix{width:100%}.contrib__in-view-disclaimer{font:10px/14px Graphik,Helvetica;margin:0 0 16px}.bottom-fallback-avatar{height:44px;width:44px}.metrics-text{font:400 12px/1.57 Graphik,Helvetica}.premium-badge{color:#000}.gray-color{color:#333}.author-byline,.contrib-byline{color:#333;display:flex;flex-direction:column;height:100%;justify-content:center;width:100%}.author-byline.has-follow-button,.contrib-byline.has-follow-button{margin-right:32px;max-width:344px}.author-byline .author-label,.contrib-byline .author-label{color:#1e2e93}.author-byline .author-label:hover .ftc-disclaimer__tooltip,.contrib-byline .author-label:hover .ftc-disclaimer__tooltip{display:block;transform:translateX(-19%);width:296px}.author-byline .bv-label,.contrib-byline .bv-label{color:#c41a23;position:relative}.author-byline .bv-label:hover .ftc-disclaimer__tooltip,.contrib-byline .bv-label:hover .ftc-disclaimer__tooltip{display:block}.author-byline .comm-label,.contrib-byline .comm-label{color:#931e1e}.author-byline .comm-label:hover .ftc-disclaimer__tooltip,.contrib-byline .comm-label:hover .ftc-disclaimer__tooltip{display:block;transform:translateX(-30%);width:306px}.author-byline .connoisseur-label,.contrib-byline .connoisseur-label{color:#537c7c;display:inline-block;font-size:12px}.author-byline .connoisseur-label:hover .ftc-disclaimer__tooltip,.author-byline .marketplace-label:hover .ftc-disclaimer__tooltip,.contrib-byline .connoisseur-label:hover .ftc-disclaimer__tooltip,.contrib-byline .marketplace-label:hover .ftc-disclaimer__tooltip{display:block;width:323px}.author-byline .author-link--name,.author-byline .contrib-link--name,.contrib-byline .author-link--name,.contrib-byline .contrib-link--name{color:#333;font:600 14px/22px Graphik,Helvetica;letter-spacing:-.2px;margin-right:5px}.author-byline .not-premium-author-link--name:focus,.contrib-byline .not-premium-author-link--name:focus{color:#171717}.author-byline .not-premium-author-link--name:hover,.contrib-byline .not-premium-author-link--name:hover{color:#242424}.author-byline .remove-underline,.author-byline .remove-underline:hover,.contrib-byline .remove-underline,.contrib-byline .remove-underline:hover{text-decoration:none}.custom-byline{color:#737373;margin-bottom:8px;margin-top:16px}.custom-byline .author-data-block{font-size:14px;line-height:21px}.custom-byline .author-data-block a{font-weight:400;margin:0;text-decoration:underline}.custom-byline .author-data-block .author-name,.custom-byline .author-data-block .publication-name{margin-left:5px}.custom-byline .author-data-block .slate-grey{color:#333}.custom-byline .custom-short-bio{font-size:12px;padding-top:4px}.custom-byline.editedBy{margin-bottom:8px;margin-top:0}.contrib-byline:not(.author-byline) .not-premium-author-link--name{-webkit-box-orient:vertical;-webkit-line-clamp:2;display:-webkit-box;overflow:hidden;text-overflow:ellipsis}.contrib-label-container{display:inline-block;text-transform:capitalize}.author-byline-type,.contrib-byline-type{color:#737373;font:400 14px/22px Graphik,Helvetica;height:16px;letter-spacing:-.2px}.premium-light-text{font:400 14px/1.57 Graphik,Helvetica}.author-byline-type.color-body.premium-light-text,.contrib-byline-type.color-body.premium-light-text{color:#737373}.ftc-label,.paid-program{margin-left:5px}.fs-author-avatar{display:flex;height:44px;margin:auto 12px auto 0;max-width:44px;min-width:44px;width:44px}.fs-author-avatar img{min-width:44px}.contrib-container{align-items:center;display:flex;margin-bottom:8px}.contrib-container.article-border{border-bottom:1px solid #e2e2e2}.contrib-container.remove-line:first-child{border:none}.contrib-container:first-child{padding-top:16px}.contrib-container.missing-avatar{margin-left:82px}.contrib-container.author-image{padding-bottom:9px}.contrib-container .fs-author-avatar{height:64px;margin:auto 1em 8px 0;max-width:64px;min-width:64px;width:64px}.contrib-container .fs-author-avatar img{min-width:64px}.bottom-padding:first-child{margin:0}.premium .bottom-padding:first-child{padding-bottom:8px}.doubleByLine{margin-bottom:16px}.fs-author-group-wrapper{align-items:center;display:flex;flex-wrap:nowrap;justify-content:space-between;padding-bottom:8px;width:100%}.fs-author-group-wrapper .author-byline,.fs-author-group-wrapper .contrib-byline{flex-basis:100%}.fs-author-group-wrapper fbs-cordial{align-items:center;display:flex;height:fit-content;margin:auto 0 auto 2px;min-height:42px;position:relative}.fs-author-group-wrapper fbs-cordial button{border-radius:8px;font-family:Graphik,Helvetica;font-weight:600}.fs-author-group-wrapper fbs-cordial .tooltip-text{margin-top:15px;right:0;top:100%}.fs-author-group-wrapper fbs-cordial .tooltip-text:after{left:calc(100% - 46px)}.no-padding{padding-bottom:0}.author-bottom-byline fbs-cordial,.contrib-bottom-byline fbs-cordial{padding-top:12px}.date-spacing{margin-bottom:15px}.fs-author-image{border:none;height:44px;width:44px}.fs-author-name{align-items:baseline;color:#333;display:flex;flex-wrap:wrap;font:600 14px/16px Graphik,Helvetica;position:relative;white-space:normal}.disclaimer{align-self:center;font-weight:300;position:relative}.disclaimer:hover .ftc-disclaimer__tooltip{display:flex;margin-bottom:4px;white-space:nowrap}.disclaimer:hover .vetted-tooltip-disclaimer{white-space:normal}.disclaimer svg{height:10px;margin-left:4px;top:50%;transform:translateY(9.5%);width:10px}.disclaimer path{fill:#737373;transform:scale(1.633) translate(-21%,-21%)}.fs-author-wrapper{display:flex;flex-direction:column;line-height:16px;width:100%}.fs-icon--forbes-f{background-color:#082b5e;border-radius:50%;width:100%}.fs-icon--forbes-f path{fill:#fcfcfc;transform:scale(.65) translate(28%,25%)}.insights-label:hover .ftc-disclaimer__tooltip{display:block}.ftc-disclaimer__tooltip{align-items:flex-start;background-color:#fff;box-shadow:0 4px 8px #3333331a;color:#737373;cursor:pointer;display:none;flex:0;flex-grow:0;font:400 10px/12px Graphik,Helvetica;letter-spacing:-.2px;order:0;padding:8px 12px;position:absolute;text-align:center;transform:translate(-50%);width:296px}.hidden{display:none}.top-label--center-headline{display:flex;height:32px;margin:auto;max-width:100%;padding:5px 16px;text-align:center}.center-hidden-premium{text-align:center;width:100%}.top-label-wrapper{display:flex;margin-top:12px;width:100%}.top-label-wrapper>:not(:first-child):before{background-color:currentColor;border-radius:50%;content:"";display:inline-block;height:4px;margin:8px 8px 2px;width:4px}.top-label-wrapper .section-name{color:#737373;margin-top:0}.top-label-wrapper .premium-tag{color:#706031;letter-spacing:.5px}.top-label-wrapper .masthead-tag{color:#baa055}.top-label-wrapper .normal-section-name:hover{color:#242424}.top-label-wrapper .normal-section-name:focus{color:#171717}.top-label-wrapper .bertie-badge-span,.top-label-wrapper .premium-tag,.top-label-wrapper a{font:600 14px/1.57 Graphik,Helvetica;text-decoration:none;text-transform:uppercase}.top-label-wrapper .normal-badge:hover{color:#242424}.top-label-wrapper .normal-badge:focus{color:#171717}.top-label-wrapper .bertie-badge-span:hover{color:#737373}.top-label-wrapper:empty{display:none}.advisor-disclosure-link{align-items:flex-end;color:#515e5f;display:flex;font:400 12px/18px sans-serif;min-width:fit-content;text-decoration:none}.advisor-disclosure-link:hover{text-decoration:underline}.premium .top-label-wrapper{justify-content:center;margin:12px 0 4px}.premium .left-aligned-premium,.premium .masthead-badge{justify-content:flex-start}.section-name{color:#333;font-size:12px;line-height:16px;text-decoration:none}.bottom-author-block .author-byline,.bottom-author-block .contrib-byline,.bottom-contrib-block .author-byline,.bottom-contrib-block .contrib-byline{flex-direction:row;justify-content:flex-start;padding:12px 0}.bottom-author-block .author-avatar,.bottom-contrib-block .author-avatar{min-width:64px;width:64px}.bottom-author-block .author-avatar img,.bottom-contrib-block .author-avatar img{border-radius:50%;width:44px}.bottom-author-block .author-info,.bottom-author-block .contrib-info,.bottom-contrib-block .author-info,.bottom-contrib-block .contrib-info{display:flex;flex-direction:column;justify-content:center;width:100%}.bottom-author-block .author-info a:hover,.bottom-author-block .contrib-info a:hover,.bottom-contrib-block .author-info a:hover,.bottom-contrib-block .contrib-info a:hover{text-decoration:none}.bottom-author-block .author-wrapper,.bottom-contrib-block .author-wrapper{display:flex;font:600 14px/16px Graphik,Helvetica;width:100%}.bottom-author-block .author-name,.bottom-contrib-block .author-name{color:#333;text-decoration:none}.bottom-author-block .contrib-bio,.bottom-contrib-block .contrib-bio{font:14px/25px Graphik,Helvetica}.bottom-author-block .contrib-bio p,.bottom-contrib-block .contrib-bio p{display:inline;margin:0}.bottom-author-block .author-bio,.bottom-contrib-block .author-bio{font:14px/25px Graphik,Helvetica}.bottom-author-block .author-bio p,.bottom-contrib-block .author-bio p{display:inline;margin:0}.bottom-author-block .contributor-about__description-hidden,.bottom-contrib-block .contributor-about__description-hidden{display:none}.bottom-author-block .author-description,.bottom-contrib-block .author-description{display:inline}.bottom-author-block .toggle-description,.bottom-contrib-block .toggle-description{display:inline;font-family:Graphik,Helvetica;font-weight:700}@media screen and (-ms-high-contrast:active),screen and (-ms-high-contrast:none){.disclaimer>svg{transform:scale(1.633)}}@media (max-width:1024px){.insights-byline{display:grid;margin-bottom:10px}}.edit-story-container{margin:8px 0 0 16px;position:absolute;z-index:1}.edit-story-container.edit-premium{left:0;top:74px}.edit-story-container.edit-premium .edit-story-call{border-radius:50%}.edit-story-container.edit-premium .edit-story-call:hover{border-radius:17.5px}.edit-story-container.edit-premium .fs-icon--edit{background:#fff}.edit-story-container.hide-button{display:none}.edit-story-call{align-items:center;background:none;display:flex;text-decoration:none;transition:.2s}.edit-story-call span{background-color:#fff;border-radius:0 35px 35px 0;color:#333;font:12px/35px Graphik,Helvetica;height:35px;left:18px;opacity:0;padding:0 8px;position:absolute;text-align:end;transform:none;transition:all .2s;white-space:nowrap;width:0}.edit-story-call:hover{background:#fff;border-radius:17.5px}.edit-story-call:hover span{opacity:1;width:94px}.edit-story-call:hover .fs-icon--edit{background:#279cff}.edit-story-call:hover .fs-icon--edit path{fill:#fff}.edit-story-call:hover .edit-link{opacity:1;transform:none}.fs-icon--edit{border:1px solid #279cff;border-radius:50%;height:35px;transition:.1s;width:35px;z-index:1}.fs-icon--edit path{fill:#279cff;height:18px;transform:scale(.606) translate(32%,32%);width:18px}@media (max-width:1024px){.edit-story-call{top:56px}}.article-footer{background:#fcfcfc;border-bottom:1px solid #e2e2e2;bottom:0;color:#737373;display:inline-flex;flex-direction:column;float:left;font-size:12px;justify-content:space-between;left:0;margin:12px 0;overflow:hidden;position:relative;text-decoration:none;width:100%}.article-footer ul:not(.print-tips){margin-bottom:1rem}ul.print-tips{margin-bottom:8px}.article-footer ul{color:#737373;display:inline-flex;justify-content:space-between;text-decoration:none}.article-footer ul.footer-row li{-webkit-font-smoothing:antialiased;list-style-type:none;margin-bottom:0;min-width:125px}.article-footer a{-webkit-font-smoothing:antialiased;display:inline-flex;text-decoration:none;white-space:nowrap}.article-footer a:hover{color:#069eec}.print{text-align:center}.print a,.print:focus{outline:0}@media (max-width:1023px){.article-footer ul.footer-row{flex-wrap:wrap;line-height:1.6}.article-footer ul.footer-row li.print{display:none}}.contrib-guest-container{align-items:center;border-top:1px solid #a9a9a9;color:#737373;display:flex;justify-content:space-between;padding:16px 0}.contrib-guest-container .guest-intro{font-size:10px;font-weight:400}.contrib-guest-container .guest-name{font:600 16px/28px Graphik,Helvetica}.contrib-guest-container .guest-image{background-size:cover}.contrib-guest-container .image-rect{height:40px;min-width:130px}.contrib-guest-container .image-square{height:80px;min-width:80px}.left-rail{flex:0 0 300px;padding-top:24px}.left-rail.finds-margin{display:none}@media (min-width:1230px){.left-rail{flex:0 0 400px}}@media(max-width:1329px){.left-rail{display:none}}@media(max-width:1759px){.fs-vetted.middleRightRail .body-container:not(.fs-paid-search,.forbes-advisor-bc){padding:0}.body-container:not(.fs-paid-search,.forbes-advisor-bc){padding:0 2%}.body-container:not(.fs-paid-search,.forbes-advisor-bc).body-container__newsletter{padding:0}}@media(min-width:1760px){.body-container:not(.body-topx,.fs-paid-search,.forbes-advisor-bc){padding:0 4% 0 7%}.body-container:not(.body-topx,.fs-paid-search,.forbes-advisor-bc).body-container__newsletter{padding:0}.left-rail{display:none}}.metrics-channel{color:#737373;display:inline-block;font:12px/16px Graphik,Helvetica;letter-spacing:-.2px;margin-top:16px}.metrics-channel.metrics-standard-topline{align-items:center;display:flex;justify-content:space-between}.metrics-channel .content-data.default-color{color:#737373}.metrics-channel.with-border{border-top:1px solid #e2e2e2;margin:0;min-height:34px;min-width:100%;padding:8px 0 16px}.metrics-channel.masthead-padding{padding:0}.metrics-channel .content-data_live-label{margin-right:8px}.metrics-channel .content-data{display:inline-block}.metrics-channel .content-data.light-text{opacity:.8}.metrics-channel .content-data .video__badge div:not(:last-of-type){margin-right:4px}.metrics-channel .content-data .video__badge .fs-icon--play-circle,.metrics-channel .content-data .video__badge .video__badge--icon{height:14px;width:14px}.metrics-channel .content-data .video__badge .fs-icon--play-circle path,.metrics-channel .content-data .video__badge .fs-icon--play-circle svg,.metrics-channel .content-data .video__badge .video__badge--icon path,.metrics-channel .content-data .video__badge .video__badge--icon svg{fill:currentColor;margin:0}.metrics-channel .content-data .bertie-badge{text-decoration:none;text-transform:uppercase}.metrics-channel .content-data .bertie-badge:hover{text-decoration:underline}.metrics-channel .content-data .premium-badge{color:#000}.metrics-channel .content-data .normal-badge{color:#737373}.metrics-channel .content-data .gray-color{color:#333}.metrics-channel .content-data .time:before{content:" "}.metrics-channel .content-data .vert-pipe{font-weight:500;padding:0 8px}.metrics-channel .content-data span.hidden{display:none}.dot,.normal-badge{color:#737373}.forbes-advisor-bc .metrics-standard-topline{justify-content:flex-start}.pinned-embed{bottom:0;height:610px;opacity:0;position:fixed;right:2%;transform:translateY(100vh);transition:.5s ease;width:300px;z-index:5}.pinned-embed.in-view{opacity:1;transform:translateY(550px)}.pinned-embed.in-view.active{bottom:2%;transform:translateY(0)}.pinned-embed.in-view.active .pinned-embed-button>svg{transform:rotate(180deg)}.pinned-embed-button{align-items:center;background-color:#181716;color:#fff;display:flex;font:14px Graphik,Helvetica;height:60px;justify-content:center;width:100%}.pinned-embed-button svg{height:30px;margin-left:8px;width:30px}.pinned-embed-iframe{height:550px;width:100%}.right-rail{flex:0 0 300px;min-width:300px;padding-top:24px}.right-rail.finds-margin{padding-top:16px}.right-rail.finds-margin .fbs-ad-wrapper{height:33.33%!important}.right-rail.finds-margin .fbs-ad-wrapper+.fbs-ad-wrapper{height:66.66%!important}.right-rail.finds-margin .fbs-ad-wrapper:last-child{padding-bottom:200px}.video-placeholder{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%;height:0;margin-bottom:1rem;overflow:hidden;padding:56.25% 0 0;position:relative;width:100%}.video-player{background-color:#000;position:absolute;top:0;width:100%}.video-player.inactive{display:none}.ad-rail{height:100%;width:300px}.ad-rail fbs-ad{display:block;position:sticky;top:58px;transition:top .8s ease-in-out}.ad-rail .fbs-ad-wrapper:not(:last-child){margin-bottom:50px}.ad-rail .fbs-ad-wrapper:last-child{margin-bottom:10px}.rec__ads--vetted div fbs-ad{top:122px}@media (min-width:1230px){.right-rail{flex:0 0 400px;min-width:400px}.ad-rail fbs-ad{top:66px}.video-placeholder{height:0;height:300px;overflow:hidden;padding:75% 0 0;position:relative;width:100%}}@media(min-width:1024px)and (max-width:1279px){.fs-vetted .right-rail{flex:0 0 380px!important;min-width:380px!important}}@media(min-width:768px)and (max-width:1023px){.fs-vetted .right-rail{flex:0 0 304px!important;min-width:304px!important}}@media(max-width:1023px){.rec__ads--vetted div fbs-ad{top:170px}}.update-summary-block{margin:24px 0}.update-summary-block .summary-wrapper-desktop{background:#fff;border:1px solid #e2e2e2;box-shadow:inset 0 5px 0 0 #d40000;padding:16px}.update-summary-block .summary-heading{padding-bottom:8px}.update-summary-block .summary-heading h2{color:#333;font:600 normal 18px/24px Graphik,Helvetica;letter-spacing:-.2px}.update-summary-block .summary-time{color:#737373;font:400 normal 12px/16px Graphik,Helvetica;letter-spacing:-.2px}.update-summary-block .summary-text{color:#333;font:400 14px/20px Graphik,Helvetica}.update-summary-block .toggle-summary-content{display:none}.update-summary-block .ellipsis{display:inline}.update-summary-block .summary-btn{color:#333;font:400 16px/22px Graphik,Helvetica;letter-spacing:-.2px}.update-summary-block .see-more-summary{display:flex;height:16px;margin-top:8px}.update-summary-block .read-icon svg{height:16px;margin-top:3px;vertical-align:text-bottom}.update-summary-block .summary-content-item+.summary-content-item{margin-top:16px}.update-summary-block .update-summary-container div.toggle-summary-content,.update-summary-block .update-summary-container span.toggle-summary-content{display:none}.update-summary-block .update-summary-container .ellipsis{display:inline}.update-summary-block .update-summary-container.active .ellipsis{display:none}.update-summary-block .update-summary-container.active span.toggle-summary-content{display:inline}.update-summary-block .update-summary-container.active div.toggle-summary-content{display:block}.update-summary-block .update-summary-container.active svg{transform:scaleY(-1)}.article-wrapper .vetted-disclamier__text{font-size:12px;letter-spacing:-.2px;line-height:16px}.body-container{max-width:696px}@media(min-width:768px){.adlight-article:not(.forbes-advisor-bc) .middleRightRail.forbes-advisor,.adlight-article:not(.forbes-advisor-bc) .middleRightRail.fs-vetted,.adlight-article:not(.fs-paid-search) .middleRightRail.forbes-advisor,.adlight-article:not(.fs-paid-search) .middleRightRail.fs-vetted{justify-content:center}.adlight-article .forbes-advisor-bc .middleRightRail.forbes-advisor,.adlight-article .forbes-advisor-bc .middleRightRail.fs-paid-search,.adlight-article .fs-paid-search .middleRightRail.forbes-advisor,.adlight-article .fs-paid-search .middleRightRail.fs-paid-search{justify-content:center!important;margin-left:0}}@media(min-width:1440px){.medianet .middleRightRail.forbes-advisor,.medianet .middleRightRail.fs-vetted{flex:0 0 1136px!important;margin-left:0}.medianet .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.medianet .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search){margin:0;max-width:696px!important;padding:0}.article-wrapper:not(.adlight-article) .middleRightRail.forbes-advisor,.article-wrapper:not(.adlight-article) .middleRightRail.fs-vetted{flex:0 0 1136px!important;margin-left:calc(50% - 548px)}.article-wrapper:not(.adlight-article) .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper:not(.adlight-article) .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search){margin:0;max-width:696px!important;padding:0}.article-wrapper.adlight-article .middleRightRail.forbes-advisor,.article-wrapper.adlight-article .middleRightRail.fs-vetted{flex:0 0 1136px!important}.article-wrapper.adlight-article .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.forbes-advisor),.article-wrapper.adlight-article .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.adlight-article .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.forbes-advisor),.article-wrapper.adlight-article .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search){margin:0;max-width:696px!important;padding:0}.forbes-advisor-bc.article-wrapper .middleRightRail.forbes-advisor,.fs-paid-search.article-wrapper .middleRightRail.fs-vetted{justify-content:center;margin-left:0;margin-right:0}}@media(min-width:1280px)and (max-width:1439px){.article-wrapper.forbes-advisor,.article-wrapper.fs-vetted{width:95%}.article-wrapper.forbes-advisor .forbes-advisor.middleRightRail,.article-wrapper.forbes-advisor .fs-vetted.middleRightRail,.article-wrapper.fs-vetted .forbes-advisor.middleRightRail,.article-wrapper.fs-vetted .fs-vetted.middleRightRail{flex:0 0 1136px!important}.article-wrapper.forbes-advisor .forbes-advisor.middleRightRail .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.forbes-advisor .fs-vetted.middleRightRail .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted .forbes-advisor.middleRightRail .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted .fs-vetted.middleRightRail .body-container:not(.body-topx):not(.fs-paid-search){margin:0;max-width:696px!important;padding:0}}@media(min-width:1330px)and (max-width:1439px){.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .middleRightRail.fs-vetted,.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .middleRightRail.fs-vetted{margin-left:calc(50% - 548px)!important}.article-wrapper.forbes-advisor-bc .middleRightRail.forbes-advisor,.article-wrapper.forbes-advisor-bc .middleRightRail.fs-vetted,.article-wrapper.fs-paid-search .middleRightRail.forbes-advisor,.article-wrapper.fs-paid-search .middleRightRail.fs-vetted{margin-left:0}}@media(min-width:1280px)and (max-width:1329px){.medianet .middleRightRail.forbes-advisor,.medianet .middleRightRail.fs-vetted{margin-left:0!important}}@media(min-width:1024px)and (max-width:1279px){.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article),.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article){width:100%}.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .medianet .middleRightRail.forbes-advisor,.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .medianet .middleRightRail.fs-vetted,.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .medianet .middleRightRail.forbes-advisor,.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .medianet .middleRightRail.fs-vetted{flex:0 0 972px;margin-left:0}.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .medianet .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .medianet .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .medianet .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .medianet .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search){margin:0;max-width:552px!important;padding:0}.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .middleRightRail.forbes-advisor,.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .middleRightRail.fs-vetted,.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .middleRightRail.forbes-advisor,.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .middleRightRail.fs-vetted{flex:0 0 972px!important;margin-left:calc(50% - 466px)!important}.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.forbes-advisor:not(.forbes-advisor-bc):not(.adlight-article) .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted:not(.fs-paid-search):not(.adlight-article) .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search){margin:0;max-width:552px!important;padding:0}.article-wrapper.forbes-advisor.forbes-advisor-bc .middleRightRail.forbes-advisor,.article-wrapper.forbes-advisor.forbes-advisor-bc .middleRightRail.fs-vetted,.article-wrapper.fs-vetted.fs-paid-search .middleRightRail.forbes-advisor,.article-wrapper.fs-vetted.fs-paid-search .middleRightRail.fs-vetted{justify-content:center}.article-wrapper.adlight-article.forbes-advisor .header-content:not(.fs-paid-search,.forbes-advisor-bc),.article-wrapper.adlight-article.fs-vetted .header-content:not(.fs-paid-search,.forbes-advisor-bc){margin-left:0}.article-wrapper.adlight-article.forbes-advisor .body-container.forbes-advisor:not(.body-topx):not(.forbes-advisor-bc),.article-wrapper.adlight-article.forbes-advisor .body-container.fs-vetted:not(.body-topx):not(.fs-paid-search),.article-wrapper.adlight-article.fs-vetted .body-container.forbes-advisor:not(.body-topx):not(.forbes-advisor-bc),.article-wrapper.adlight-article.fs-vetted .body-container.fs-vetted:not(.body-topx):not(.fs-paid-search){margin-left:0!important}.article-wrapper.adlight-article.forbes-advisor .body-container,.article-wrapper.adlight-article.fs-vetted .body-container{max-width:552px!important}}@media(min-width:768px)and (max-width:1023px){.adlight-article.forbes-advisor .adlight-header-container .header-content:not(.forbes-advisor-bc),.adlight-article.fs-vetted .adlight-header-container .header-content:not(.fs-paid-search){margin:0;max-width:376px;padding:0}.article-wrapper.forbes-advisor .adlight-body-container,.article-wrapper.forbes-advisor .middleRightRail.forbes-advisor,.article-wrapper.forbes-advisor .middleRightRail.fs-vetted,.article-wrapper.fs-vetted .adlight-body-container,.article-wrapper.fs-vetted .middleRightRail.forbes-advisor,.article-wrapper.fs-vetted .middleRightRail.fs-vetted{flex:0 0 720px;justify-content:space-evenly!important}.article-wrapper.forbes-advisor .adlight-body-container .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.forbes-advisor .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.forbes-advisor .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted .adlight-body-container .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted .middleRightRail.forbes-advisor .body-container:not(.body-topx):not(.fs-paid-search),.article-wrapper.fs-vetted .middleRightRail.fs-vetted .body-container:not(.body-topx):not(.fs-paid-search){margin:0;max-width:376px!important;padding:0}}@media(min-width:480px)and (max-width:767px){.article-wrapper.forbes-advisor,.article-wrapper.fs-vetted{justify-content:flex-start;width:100%}.article-wrapper.forbes-advisor .body-container,.article-wrapper.fs-vetted .body-container{max-width:336px!important}.article-wrapper.forbes-advisor .body-container:not(.fs-vetted,.forbes-advisor),.article-wrapper.fs-vetted .body-container:not(.fs-vetted,.forbes-advisor){max-width:360px!important}.article-wrapper.forbes-advisor .middleRightRail.forbes-advisor,.article-wrapper.forbes-advisor .middleRightRail.fs-vetted,.article-wrapper.fs-vetted .middleRightRail.forbes-advisor,.article-wrapper.fs-vetted .middleRightRail.fs-vetted{width:55%}.article-wrapper.forbes-advisor .middleRightRail.forbes-advisor .body-container:not(.body-topx),.article-wrapper.forbes-advisor .middleRightRail.fs-vetted .body-container:not(.body-topx),.article-wrapper.fs-vetted .middleRightRail.forbes-advisor .body-container:not(.body-topx),.article-wrapper.fs-vetted .middleRightRail.fs-vetted .body-container:not(.body-topx){margin:0 0 0 24px}.article-wrapper.forbes-advisor .middleRightRail.forbes-advisor .body-container.forbes-advisor-bc:not(.body-topx),.article-wrapper.forbes-advisor .middleRightRail.forbes-advisor .body-container.fs-paid-search:not(.body-topx),.article-wrapper.forbes-advisor .middleRightRail.fs-vetted .body-container.forbes-advisor-bc:not(.body-topx),.article-wrapper.forbes-advisor .middleRightRail.fs-vetted .body-container.fs-paid-search:not(.body-topx),.article-wrapper.fs-vetted .middleRightRail.forbes-advisor .body-container.forbes-advisor-bc:not(.body-topx),.article-wrapper.fs-vetted .middleRightRail.forbes-advisor .body-container.fs-paid-search:not(.body-topx),.article-wrapper.fs-vetted .middleRightRail.fs-vetted .body-container.forbes-advisor-bc:not(.body-topx),.article-wrapper.fs-vetted .middleRightRail.fs-vetted .body-container.fs-paid-search:not(.body-topx){margin:0 24px;max-width:100%}}.main-content--desktop-article>.header{height:56px}.image-embed .hidden-caption,.main-content__logged-in-adblock .vestpocket,.main-content__logged-in-adblock fbs-ad[position=inread]{display:none}.topline-article-author-contributor .topline-article-author-contributor-wrapper .article-body .key-facts .key-facts-element:before,.topline-article-author-contributor .topline-article-author-contributor-wrapper .article-body .topline-heading,.topline-article-author-contributor .topline-article-author-contributor-wrapper .article-body h2{color:#181716}.topline-article-author-contributor .topline-article-author-contributor-wrapper .article-body .key-facts .key-facts-element:not(:last-of-type):after{background-color:#181716}.article-wrapper{display:flex;justify-content:center;margin:0 auto;max-width:1800px;position:relative;width:95%}.article-wrapper .fs-headline,.article-wrapper .fs-headline.fs-headline__standard{margin:8px 0 0}.article-wrapper .middleRightRail{display:flex;flex:0 0 1100px;justify-content:flex-start;margin:0 auto}@media screen and (max-width:1560px){.article-wrapper .middleRightRail{flex:1}.article-wrapper .middleRightRail .body-container:not(.forbes-advisor-bc),.article-wrapper .middleRightRail .body-container:not(.fs-paid-search){max-width:55%}.article-wrapper .middleRightRail.is-ad-light .body-container{max-width:100%}.article-wrapper .middleRightRail.adlight-body-container.fs-vetted .body-container:not(.forbes-advisor-bc),.article-wrapper .middleRightRail.adlight-body-container.fs-vetted .body-container:not(.fs-paid-search){max-width:696px}}@media(min-width:480px)and (max-width:767px){.article-wrapper .adlight-body-container.fs-vetted.middleRightRail,.article-wrapper .adlight-header-container.fs-vetted.middleRightRail{margin:0;width:100%}}.article-wrapper--no-ads{display:flex;justify-content:center;margin:0 auto;max-width:700px;position:relative;width:60%}.article-wrapper--no-ads .body-container{padding:0}.xl-recirc__vetted--margin-top{margin-top:64px}.article-wrapper[aria-hidden]:focus{outline:none}.body-container{display:block;max-width:750px;position:relative}.body-container.body-container__newsletter{max-width:700px}.body-container.forbes-advisor-bc,.body-container.fs-paid-search{max-width:696px}.article-body-container{display:block;margin-top:1.2rem;overflow-anchor:none;position:relative}.article-body-container .iframe-embed{display:none}.article-body-container .inline-topx fbs-ad{display:block;margin:32px calc(50% - 50vw);overflow-x:auto;padding:0;position:relative;text-align:center;width:calc(100vw - var(--scrollbarWidth))}.article-body-container .inline-topx span{display:none}.article-body-container .inline-topx .show-label{color:#737373}.article-body-container .article-sharing{min-height:176px;min-width:36px;position:absolute;right:calc(100% + 16px)}.article-body-container .article-body .alignnone,.article-body-container .article-body>:not([class*=offset]):not([class*=align]):not([class*=bleed]):not(.sticky-video):not(fbs-ad):not(blockquote):not(.finds-module-rule):not(.link-embed){margin:0 0 1.2rem}.article-body-container .article-body .alignnone.newsletter_signup_article,.article-body-container .article-body>:not([class*=offset]):not([class*=align]):not([class*=bleed]):not(.sticky-video):not(fbs-ad):not(blockquote):not(.finds-module-rule):not(.link-embed).newsletter_signup_article{min-width:100%}@media(max-width:1160px){.article-body-container .article-body .alignnone.newsletter_signup_article,.article-body-container .article-body>:not([class*=offset]):not([class*=align]):not([class*=bleed]):not(.sticky-video):not(fbs-ad):not(blockquote):not(.finds-module-rule):not(.link-embed).newsletter_signup_article{max-width:360px}}.article-body-container .article-body .alignnone+img[align=left],.article-body-container .article-body>:not([class*=offset]):not([class*=align]):not([class*=bleed]):not(.sticky-video):not(fbs-ad):not(blockquote):not(.finds-module-rule):not(.link-embed)+img[align=left]{margin-right:8px}.article-body-container .article-body .alignnone+img[align=right],.article-body-container .article-body>:not([class*=offset]):not([class*=align]):not([class*=bleed]):not(.sticky-video):not(fbs-ad):not(blockquote):not(.finds-module-rule):not(.link-embed)+img[align=right]{margin-left:8px}.article-body-container .article-body .alignnone.topline-heading,.article-body-container .article-body>:not([class*=offset]):not([class*=align]):not([class*=bleed]):not(.sticky-video):not(fbs-ad):not(blockquote):not(.finds-module-rule):not(.link-embed).topline-heading{margin-right:4px}.article-body-container .article-body .alignnone.topline-heading+p+figure,.article-body-container .article-body>:not([class*=offset]):not([class*=align]):not([class*=bleed]):not(.sticky-video):not(fbs-ad):not(blockquote):not(.finds-module-rule):not(.link-embed).topline-heading+p+figure{margin-top:1.2rem}.article-body-container .article-body>blockquote{margin-top:0}.article-body-container .article-body>blockquote:not(.embed-base){margin-bottom:1.2rem}.article-body-container .article-body>blockquote:not(.embed-base)+blockquote:not(.embed-base){margin-top:-1.2rem}.article-body-container .article-body .link-embed{border-bottom-width:1px;border-top-width:1px;margin-bottom:0}.article-body-container .article-body .link-embed+.link-embed .link-embed__info .link-embed__byline,.article-body-container .article-body .link-embed:has(+.link-embed) .link-embed__info .link-embed__byline{line-height:1}.article-body-container .article-body .link-embed+.link-embed .link-embed__provider,.article-body-container .article-body .link-embed:has(+.link-embed) .link-embed__provider{visibility:hidden}.article-body-container .article-body .article_paragraph_2+.link-embed,.article-body-container .article-body .article_paragraph_7+.link-embed,.article-body-container .article-body .link-embed+.link-embed{border-bottom-width:1px;border-top-width:0}.article-body-container ol{padding-left:0}.article-body-container ol li{-webkit-font-smoothing:antialiased}.article-body-container fbs-ad:not([position=ntv-rail-2]){display:block;overflow-x:auto;text-align:center}.article-body-container fbs-ad:not([position=ntv-rail-2])[position=ntv-rail-2]{margin-bottom:0}.article-body-container fbs-ad[position=inread]{display:none}.article-body-container fbs-ad[position=inread].inread-active{display:block;margin:1.2rem 0}.article-body-container fbs-ad[position=inread].inread-active>div>div{height:auto!important}.article-body-container fbs-video{display:block}.article-body-container fbs-video .brightcove_perform{height:0;overflow:hidden;padding:56.25% 0 0;position:relative;width:100%}.article-body-container fbs-video .inline-video--container{background-color:#00000080;display:flex;flex-direction:column;height:100%;justify-content:flex-end;padding:32px;pointer-events:none;position:absolute;top:0;width:100%}.article-body-container fbs-video .inline-video--container.hidden{display:none}.article-body-container fbs-video .inline-video--container .inline-video--title{color:#fff;font:700 20px/1.5 Merriweather,GeorgiaCustom;margin:0;text-align:center}.article-body-container fbs-video .inline-video--container .inline-video--duration{display:inline-block;font:12px/2.5 Graphik,Helvetica;letter-spacing:.2px;margin-left:8px;opacity:.7;vertical-align:top}.article-body-container .alignleft{float:left;margin:0 3.5% 1.75% 0;width:40%}.article-body-container .alignright{float:right;margin:0 0 1.75% 3.5%;width:40%}.article-body-container .alignleft,.article-body-container .alignright{line-height:0}.article-body-container .alignleft fbs-video .inline-video--container,.article-body-container .alignright fbs-video .inline-video--container{align-items:flex-end;padding:18px 16px}.article-body-container .alignleft fbs-video .inline-video--container .inline-video--title,.article-body-container .alignright fbs-video .inline-video--container .inline-video--title{font-size:10px;line-height:1.3;width:100%}.article-body-container .alignleft fbs-video .inline-video--container .inline-video--duration,.article-body-container .alignright fbs-video .inline-video--container .inline-video--duration{font-size:8px;line-height:inherit;vertical-align:middle}.article-body-container .video-close{display:none}.article-body-container .sticky-video .video-close{display:flex}.article-body-container .wp-caption .caption-container{color:#737373;font:normal .75rem Graphik,Helvetica;line-height:18px;margin:8px 0 0}.article-body-container .wp-caption .caption-container p,.article-body-container .wp-caption .caption-container small{display:inline;font-style:normal}.article-body-container ul li{-webkit-font-smoothing:antialiased;list-style:disc;margin-bottom:16px;position:relative}.article-body-container .pagebreak+img,.article-body-container p>img:not([hspace]),.article-body-container p>img[vspace]{width:100%}.show-iframes .iframe-embed{display:block}.magazine-label,fbs-pricing{font-family:Graphik,Helvetica}.magazine-label{color:#737373;line-height:1.43;margin:0 0 1.2rem}.magazine-label a{text-decoration:none}.elderly-label{align-items:center;color:#333;display:inline-flex;font:600 12px/16px Graphik,Helvetica;margin-bottom:1.2rem;padding:4px 4px 4px 0}.elderly-clock{height:16px;margin-right:4px;width:16px}.elderly-clock svg.fs-icon--clock{fill:#c2250e}.elderly-clock svg.fs-icon--clock path{height:6.1px;transform:scale(1.49) translate(-17%,-17%);width:4px}.legal-disclaimer{color:#737373;font:12px/1.5 Graphik,Helvetica;margin-bottom:1.2rem}.top-tweet-quotes{display:block;margin-bottom:1.2rem;margin-left:8px}.top-tweet-quotes h5{color:#333;display:inline-block;font:600 14px Graphik,Helvetica;margin:0;text-transform:uppercase}.top-tweet-quotes .tweet-quote__item{list-style:none;position:relative}.top-tweet-quotes .tweet-quote__item .tweet-quote__icon{position:absolute;top:50%;transform:translateY(-50%);width:30px}.top-tweet-quotes .tweet-quote__item .tweet-quote__icon svg{fill:#55acee}.top-tweet-quotes .tweet-quote__item .tweet_quote{display:block;line-height:normal;padding:0}.top-tweet-quotes .tweet-quote__item .tweet_quote a{background-color:#0000;color:#333;display:block;font:15px/16.87px Graphik,Helvetica;padding:8px 0 8px 40px;position:relative;text-decoration:none}.top-tweet-quotes .tweet-quote__item .tweet_quote a:hover{color:#1478c5;text-decoration:underline}.top-tweet-quotes .tweet-quote__item .tweet_quote span{display:none}.tweet_quote{line-height:20px;padding:0 3px 0 0}.tweet_quote:hover a{background-color:#55acee;color:#fff;text-decoration:none}.tweet_quote:hover span:before{margin-left:-23px}.tweet_quote a{color:#181716;transition:background-color .2s ease-in-out}.tweet_quote span{color:#55acee;display:inline-block;height:18px;overflow:hidden;padding:0 4.5px;position:relative;width:27px}.tweet_quote span:after,.tweet_quote span:before{content:"";display:block;float:left;font-family:forbesicon;font-size:1.25em;height:22.5px}.tweet_quote span:before{margin-left:0;transition:margin-left .2s ease-in-out}.tweet_quote span:after{color:#fff}.updated-timestamp{color:#737373;font:12px/14px Graphik,Helvetica}.paywall_ribbon:not(:empty) .tp-container-inner{align-items:flex-end;display:flex;min-height:125px}.paywall_ribbon{bottom:0;left:0;position:fixed;width:100%;z-index:1001}.image-embed__placeholder{display:block;height:0;overflow:hidden}.image-embed__placeholder progressive-image{display:flex;height:100%;justify-content:center;left:0;position:absolute;top:0;width:100%}.image-embed__placeholder progressive-image img{height:100%!important;width:auto}.image-embed-link progressive-image{pointer-events:none}.cnx-main-container{contain-intrinsic-height:500px;content-visibility:auto}div.embed-base.faqs-embed{color:currentColor}fbs-video .cnx-main-container{contain-intrinsic-height:auto;content-visibility:visible}@media (max-width:1024px){.article-body-container fbs-ad[position=inread-active]{margin-top:0}.article-body-container .alignleft{margin:0 8.5% 1.75% 0}}@media (max-width:1329px){.medianet .fs-vetted.middleRightRail .body-container:not(.premium-container):not(.body-content):not(.body-topx){margin:0 0 0 4%}.body-container.body-content.fs-paid-search:not(.premium-container):not(.body-topx),.body-container:not(.premium-container):not(.body-content):not(.body-topx).forbes-advisor-bc,.body-container:not(.premium-container):not(.body-content):not(.body-topx).fs-paid-search{margin:0 4%}}@media print{.paywall_ribbon{display:none}cnx{display:none!important}}@media (max-width:768px){.article-sharing{display:none}}@media (max-width:960px){.article-body-container .article-sharing{right:100%}}.main-content--premium-article.main-content__logged-in-adblock fbs-ad[position=top],.main-content--premium-article.main-content__logged-in-adblock fbs-ad[position=topx]{display:none}.main-content--body.premium{overflow:hidden;overflow-anchor:none;position:relative}.premium-article-wrapper{display:flex;justify-content:center;margin:0 auto;max-width:700px;position:relative;width:60%}.premium-article-wrapper .fs-headline{margin:16px 0 0}.premium-wrapper,.social-icons ul{flex-direction:column}.premium-wrapper{display:flex}.premium-wrapper .ow-container{margin-top:56px}.premium-container.no-authors-margin{margin-top:8px}.premium-container.body-container{font-size:20px;padding:0}.premium-container .article-body-container fbs-ad[position=top],.premium-container .article-body-container fbs-ad[position=topx]{display:block;margin:32px 0 32px calc(50% - 50vw);overflow-x:auto;padding:0;position:relative;text-align:center;width:100vw}.premium-container .article-body-container fbs-ad[position=top] div.show-label:before,.premium-container .article-body-container fbs-ad[position=topx] div.show-label:before{opacity:.8}.premium-container .article-body-container p:has(br){clear:both}.premium-container .article-body-container a.finds-embed.aligncenter{margin:19px auto}.premium-container .hide-contribs>.article-sharing{padding:16px 0}.premium-container .article-body.fs-premium figure{margin-top:0}.premium-container .article-body.fs-premium figure img{width:100%}.premium-container .embed-base.animatable{opacity:0;transition:all .8s ease-out}.premium-container .embed-base.animatable:not(.bleedright,.bleedleft,.alignright,.alignleft,.offsetright,.offsetleft){transform:translateY(150px)}.premium-container .embed-base.animatable:not(.bleedright,.bleedleft,.alignright,.alignleft,.offsetright,.offsetleft).animate{opacity:1;transform:translateY(0);transition:all .8s ease-out}.premium-container .embed-base.animatable.alignright,.premium-container .embed-base.animatable.bleedright,.premium-container .embed-base.animatable.offsetright{transform:translateX(150px)}.premium-container .embed-base.animatable.alignright.animate,.premium-container .embed-base.animatable.bleedright.animate,.premium-container .embed-base.animatable.offsetright.animate{opacity:1;transform:translateX(0)}.premium-container .embed-base.animatable.alignleft,.premium-container .embed-base.animatable.bleedleft,.premium-container .embed-base.animatable.offsetleft{transform:translateX(-150px)}.premium-container .embed-base.animatable.alignleft.animate,.premium-container .embed-base.animatable.bleedleft.animate,.premium-container .embed-base.animatable.offsetleft.animate{opacity:1;transform:translateX(0)}.premium-container .embed-base.bleed{margin:0 0 1.2rem calc(50% - 50vw);width:100vw}.premium-container .embed-base.bleed img{width:100%}.premium-container .embed-base.bleed figcaption{margin:8px 20% 0}.premium-container .embed-base.bleedright{float:right;margin-left:5.5%;margin-right:calc(50% - 50vw);width:50vw}.premium-container .embed-base.bleedright figcaption{margin:8px 20% 0 0}.premium-container .embed-base.bleedleft{float:left;margin-left:calc(50% - 50vw);margin-right:5.5%;width:50vw}.premium-container .embed-base.bleedleft figcaption{margin:8px 0 0 20%}.premium-container .embed-base.brightcove-video-wrapper{height:auto!important;padding-bottom:0!important}.premium-container .embed-base.brightcove-video-wrapper .alignleft{margin:0 0 1.75%}.premium-container .embed-base.brightcove-video-wrapper .alignright{margin:0 0 1.75% auto}.premium-container .embed-base.brightcove-video-wrapper .video-watch--title{margin-bottom:8px}.premium-container blockquote{margin:24px 0}.premium-container .light-text{opacity:.8}.premium-container ul.article-sharing__container{flex-direction:row}.premium-container .social-icons ul.article-sharing__container,.premium-container ul.vertical-icons{display:flex;flex-direction:column}.premium-container .article-sharing{height:100%;margin-top:7px;padding-bottom:4px}.premium-container .article-sharing .social-icon:hover{color:#007ac8;opacity:unset}.premium-container .article-sharing__item{margin:0}.premium-container .spacing{margin:0 0 28px}.premium-container .bottom-author-block,.premium-container .bottom-contrib-block{margin-bottom:12px}.premium-container .author-byline,.premium-container .contrib-byline{width:100%}.premium-container .fs-headline{line-height:44px}.premium-container .header-content-container{border-top:5px solid;padding:40px 0 0}.premium-container .top-contrib-block__premium.social-hidden{justify-content:end}.premium-container .top-contrib-block__premium{align-items:center;color:currentColor;display:flex;flex-direction:row;justify-content:space-between}.premium-container .top-contrib-block__premium.with-border{border-top:1px solid #e2e2e2;margin:0;min-height:34px;min-width:100%;padding:8px 0 4px}.premium-container .top-contrib-block__premium.empty-premium-block{display:none}.premium-container .top-contrib-block__premium.no-headline .article-sharing-premium{margin-left:auto}.premium-container .top-contrib-block__premium.no-authors-margin{margin-top:8px}.premium-container .top-contrib-block__premium .article-sharing.no-author-details{margin:0 auto}.premium-container .top-author-block,.premium-container .top-contrib-block{display:flex;justify-content:space-between;margin:0 auto;max-width:700px}.premium-container .top-author-block.no-border,.premium-container .top-contrib-block.no-border{border:0}.premium-container .top-author-block.hide-contribs.default,.premium-container .top-contrib-block.hide-contribs.default{padding-top:16px}.premium-container .top-author-block.hide-contribs.bleed-above,.premium-container .top-author-block.hide-contribs.bleed-below,.premium-container .top-author-block.hide-contribs.color-left,.premium-container .top-author-block.hide-contribs.color-overlay,.premium-container .top-author-block.hide-contribs.overlay,.premium-container .top-contrib-block.hide-contribs.bleed-above,.premium-container .top-contrib-block.hide-contribs.bleed-below,.premium-container .top-contrib-block.hide-contribs.color-left,.premium-container .top-contrib-block.hide-contribs.color-overlay,.premium-container .top-contrib-block.hide-contribs.overlay{border:none}.premium-container .top-author-block.hide-contribs.with-border,.premium-container .top-contrib-block.hide-contribs.with-border{min-height:fit-content;min-width:100%}.premium-container .atmospheric-video-embed{background-position:50%;background-repeat:no-repeat;display:inline-block;height:0;position:relative;width:100%}.premium-container .atmospheric-video-embed video{display:inline-block;left:0;position:absolute;top:0;width:100%}.premium-container .metrics-channel{margin-top:0}.premium-container .metrics-channel.light-text{opacity:.8}.premium-container .metrics-channel.no-headline-metrics{padding:16px 0;text-align:center;width:100%}.premium-container .disclaimer{opacity:1}.premium-container .disclaimer svg{opacity:.8}.premium-container .color-fill-disclaimer path,.premium-container .color-fill-disclaimer svg,.premium-container .premium-share-icons svg{fill:currentColor}.article-subtype__masthead h2.subhead-embed.font-accent{font-family:Graphik,Helvetica;font-size:24px;font-weight:500}.article-subtype__masthead h3{font-weight:700}.grid{margin:0 calc(max(-37.5vw, -800px) + 50%);padding-top:40px}.grid .ratio16x9{position:relative}.grid .ratio16x9-video:before,.grid .ratio16x9:before{content:"";display:block;padding-bottom:56.25%}.grid .grid__title-text{font-size:16px;line-height:1.5}@media (max-width:768px){.premium-container.body-container{width:100%}.premium-container .bleed figcaption{margin:8px 12.5% 0}}.article-body.active-hardwall>:nth-last-child(2):after{background-image:linear-gradient(180deg,#fff0,#fff 90%);bottom:0;content:"";display:block;height:6em;left:0;margin-bottom:-6em;pointer-events:none;position:relative;top:-6em;width:100%;z-index:1}.article-body .active-hardwall{min-height:1100px}.article-body .active-hardwall .tp-container-inner{box-shadow:0 1px 9px 4px #0000001a}.desktop-preview{padding:0 40px 12px;width:100%}.beta-margin{background-color:#171717;height:32px}.fs-premium .grid__load-more,.grid .grid__load-more{background-color:#0000;border:1px solid}.fs-premium .grid__load-more:hover,.grid .grid__load-more:hover{background-color:#0000}.fs-premium{width:100%}.adlight-article .adlight-border-capitalist-teal{border-bottom:4px solid #00808a}.adlight-article .adlight-guest-border-capitalist-teal{border-top:4px solid #00808a}.adlight-article .adlight-border-merlot-burgundy{border-bottom:4px solid #660434}.adlight-article .adlight-guest-border-merlot-burgundy{border-top:4px solid #660434}.adlight-article .adlight-border-centennial-silver{border-bottom:4px solid #7e7467}.adlight-article .adlight-guest-border-centennial-silver{border-top:4px solid #7e7467}.adlight-article .adlight-border-fortknox-gold{border-bottom:4px solid #887411}.adlight-article .adlight-guest-border-fortknox-gold{border-top:4px solid #887411}.adlight-article .adlight-border-statuesque-bronze{border-bottom:4px solid #bd5b00}.adlight-article .adlight-guest-border-statuesque-bronze{border-top:4px solid #bd5b00}.adlight-article .adlight-border-benjamins-green{border-bottom:4px solid #598141}.adlight-article .adlight-guest-border-benjamins-green{border-top:4px solid #598141}.adlight-article .adlight-border-diamondring-blue{border-bottom:4px solid #0066b2}.adlight-article .adlight-guest-border-diamondring-blue{border-top:4px solid #0066b2}.adlight-article .adlight-border-default-gray{border-bottom:4px solid #737373}.adlight-article .adlight-guest-border-default-gray{border-top:4px solid #737373}.adlight-article .adlight-border-brandvoice-red{border-bottom:4px solid #c41a23}.adlight-article .adlight-guest-border-brandvoice-red{border-top:4px solid #c41a23}.adlight-article .adlight-border-insights-blue{border-bottom:4px solid #5c76f6}.adlight-article .adlight-guest-border-insights-blue{border-top:4px solid #5c76f6}.adlight-article .adlight-border-advisor-amethyst{border-bottom:4px solid #5a71ff}.adlight-article .adlight-guest-border-advisor-amethyst{border-top:4px solid #5a71ff}.adlight-article .adlight-border-shopping-salmon{border-bottom:4px solid #eb6262}.adlight-article .adlight-guest-border-shopping-salmon{border-top:4px solid #eb6262}.adlight-article .body-container{padding:0}.adlight-article .right-rail{padding-top:0}.adlight-article .right-rail.finds-margin{padding-top:16px}.adlight-article .right-rail.adlight-rail{flex:0 0 300px;margin-left:48px;padding-top:14px}.adlight-article .right-rail .fbs-ad-wrapper fbs-ad{padding-bottom:12px}.adlight-body-container,.adlight-header-container{display:flex;justify-content:center;margin-right:0!important;width:fit-content}.header-content.fs-paid-search .header-content.forbes-advisor-bc{max-width:696px}.body-content.body-container,.header-content{margin:0;max-width:700px;padding:0;width:100%}.adlight-article .top-author-block,.adlight-article .top-contrib-block{border-bottom-width:4px}.adlight-experience .contrib-container:last-child{padding-bottom:20px}.adlight-experience .fs-headline{font:400 48px/1.2 SchnyderS demi,Garamond,serif;margin-top:20px}.recx-alignment{text-align:center}@media(max-width:1160px){.forbes-advisor .header-content,.fs-vetted .header-content{margin-left:0}.body-content.body-container:not(.fs-paid-search),.header-content:not(.fs-paid-search){margin-left:52px}.adlight-header-container .header-content{margin-left:0}.adlight-rail{margin-left:16px}}@media(max-width:767px){.fs-vetted .header-content .forbes-advisor .header-content{margin-left:24px;margin-right:0}.forbes-advisor .header-content.forbes-advisor-bc,.fs-vetted .header-content.fs-paid-search{margin-left:24px;margin-right:24px}}.premium-header-hero-container{position:relative}.premium-header-hero-container.bleed-above{display:flex;flex-direction:column-reverse}.premium-header-hero-container.bleed-above.bg-accent{padding-bottom:40px}.premium-header-hero-container.bleed-below.bg-accent{padding-top:40px}.premium-header-hero-container.color-left{display:flex;flex-direction:row-reverse}.premium-header-hero-container.color-right{display:flex}.premium-header-hero-container.no-media .hero-format-no-media{margin:0;max-width:none;width:100%}.premium-header-hero-container.no-media .hero-format-no-media .fs-headline{min-height:60px}.premium-header-hero-container.no-media .header-content-container{margin:0 auto;max-width:900px}.hero-image-container.color-left,.hero-image-container.color-right{width:50%}.hero-image-container.color-left .no-metaembeds,.hero-image-container.color-right .no-metaembeds{height:50vw;min-height:384px;padding-bottom:0}.hero-image-block{height:0;padding-bottom:46.874%;position:relative;transition:.75s;width:100%}.hero-image{height:100%!important;left:0;position:absolute;top:0;width:100%}.hero-iframe .ceros-embed{margin:0}.hero-brightcove-container{display:block}.hero-brightcove-container.bleed-above,.hero-brightcove-container.bleed-below{margin:0 auto;max-width:1600px;width:75%}.hero-brightcove-container.no-headline{background-color:none;padding:40px 0}.hero-brightcove-block{background-position:50%;background-repeat:no-repeat;background-size:contain;height:0;overflow:hidden;padding:56.25% 0 0;position:relative;width:100%}.hero-brightcove-block.no-headline{margin:auto;padding:42.1875% 0 0;width:75%}.hero-brightcove-video{inset:0;position:absolute}.hero-brightcove-video .brightcove_perform{padding:56.25% 0 0}.hero-atmospheric-container.color-left,.hero-atmospheric-container.color-right{width:50%}.hero-atmospheric-block{background-position:50%;background-repeat:no-repeat;background-size:contain;display:block;position:relative}.hero-atmospheric-video{padding:0;position:absolute;top:0;transition:.75s;width:100%}.hero-alignment--left{text-align:left}.hero-alignment--center{text-align:center}.hero-alignment--right{text-align:right}.premium-header{background-color:#fcfcfc;display:flex;flex-direction:column;margin:-89px auto 0;max-width:780px;padding:40px;position:relative;width:calc(60% + 80px)}.premium-header.premium-header--no-metrics{margin-top:-68px}.premium-header.hero-format-default{border-top:5px solid;padding-bottom:0}.premium-header.hero-format-color-overlay,.premium-header.hero-format-overlay,.premium-header.hero-format-overlay .header-background-container,.premium-header.hero-format-overlay .header-background-container.bg-accent{background:none}.premium-header.hero-format-color-overlay .header-background-container{opacity:.8}.premium-header.hero-format-bleed-above .header-content-container,.premium-header.hero-format-bleed-below .header-content-container{margin:0 auto;max-width:900px;width:70%}.premium-header.hero-format-no-hero .header-content-container{margin:0 auto;max-width:700px;width:60%}.premium-header.hero-position-color-overlay,.premium-header.hero-position-overlay{left:50%;margin-top:0;position:absolute;top:50%;transform:translate(-50%,-50%)}.premium-header.hero-position-bleed-above,.premium-header.hero-position-bleed-below,.premium-header.hero-position-no-hero{margin:0;max-width:none;width:100%}.premium-header.hero-position-color-left,.premium-header.hero-position-color-right{margin-top:0;max-width:none;padding:0 40px;width:50%}.premium-header.hero-position-color-left .header-content-container,.premium-header.hero-position-color-right .header-content-container{margin:auto 0;padding:40px 0}.premium-header .metrics-channel{margin-bottom:1rem;margin-top:0}.premium-header h1.fs-headline{font-size:36px;line-height:1.22;margin-bottom:0;margin-top:0}.premium-header .header-content-container{z-index:1}.header-background-container{height:100%;left:0;position:absolute;top:0;width:100%}.header-content-container.no-headline{text-align:center}.hero-image-caption,.hero-image-credit{opacity:.8;text-align:left;z-index:1}.hero-image-caption{font:400 12px/18px Graphik,Helvetica}.hero-image-credit{font:500 10px/15px Graphik,Helvetica;text-transform:uppercase}.hero-image-caption{margin-right:5px}.hero-image-premium-article-credit{margin:16px auto 0;max-width:700px;text-align:left;width:60%}.hero-image-premium-article-credit.credit-no-contrib{margin-bottom:16px}.expand-text,.truncate-text{cursor:pointer}@media (max-width:1024px){.outer-credit{margin-top:56px}}.meter-ribbon-visible .cnx-float{margin-bottom:120px}.article-gallery-embedded{border-color:currentcolor;border-style:solid;border-width:1px 0;color:#e6e6e6;font-size:1.5rem;margin:1em 0;overflow:hidden;padding:1.5em 0;width:100%}.article-gallery-embedded.light-text{opacity:1}.article-gallery-embedded a{display:flex;justify-content:space-between;position:relative}.article-gallery-embedded a:hover{text-decoration:none}.article-gallery-embedded a:hover h4{text-decoration:underline}.article-gallery-embedded .article-image-box{box-shadow:8px 8px 0 #0000000f;flex-basis:50%}.article-gallery-embedded .article-image-box.light-text{opacity:1}.article-gallery-embedded .article-image-box img{align-self:flex-start}.article-gallery-embedded .article-text-box{flex-basis:50%;padding-left:1em;position:relative}.article-gallery-embedded .article-text-box a{flex-direction:column}.article-gallery-embedded .article-bv-label{color:#737373;font:12px/1 Graphik,Helvetica;letter-spacing:-.2px;margin-bottom:7px}.article-gallery-embedded .bv-label-text{color:#c41a23;margin-left:5px}.article-gallery-embedded .icon-gallery{color:#6f6f6f;margin-right:.5em}.article-gallery-embedded .embedded-content{display:flex}.article-gallery-embedded .embedded-content h4{font:700 18px/1.56 Merriweather,GeorgiaCustom;margin:0}.article-gallery-embedded .article-launch-gallery{color:#181716;display:inline-block;font:500 14px/1.57 Graphik,Helvetica}.article-gallery-embedded .article-launch-text{margin-right:8px}.article-gallery-embedded .article-slide-count{color:#a9a9a9;font:12px/30px Graphik,Helvetica}.article-gallery-embedded .article-arrow-right{display:inline-block;vertical-align:middle}.article-gallery-embedded .fs-icon--arrow-right{fill:currentColor;height:16px;width:16px}.article-live .metrics-channel{height:24px}.article-live .article-wrapper .fs-headline{margin-top:8px}.article-live.article-body.fs-article .ntv-ad h3{color:#333}.article-live.article-body.fs-article .live-update figure.alignleft{margin:0 5.5% 1.75% 0}.article-live.article-body.fs-article .live-update figure.alignright{margin:0 0 1.75% 5.5%}.article-live .live-update{border-top:1px solid #e2e2e2;margin-top:24px!important;overflow:hidden;padding-top:24px}.article-live .live-update br{display:none}.article-live .live-update.live-update--top{border-top:0;padding-top:0}.article-live .live-update-timestamp{color:#9a9a9a;display:block;font:12px Graphik,Helvetica;margin-bottom:8px}.article-live h2.live-update-headline{color:#333;font:700 24px Merriweather,GeorgiaCustom;margin:0 0 16px}.article-live .vestpocket[displayntv]:not(:last-child){margin-bottom:1.2rem}.dot{background-color:currentColor;border-radius:50%;height:4px;margin:8px 8px 0;width:4px}.metrics-channel__newsletter{border-top:1px solid #e2e2e2;color:#737373;margin:0 16px 0 0;padding:8px 0;width:100%}.metrics-channel__newsletter+.article-body-container{margin-top:0}.top-contrib-block__newsletter{border-bottom:1px solid #e2e2e2}.article-wrapper .fs-headline__newsletter{margin:8px 0 0}.article-body-container .newsletter-teaser{background:linear-gradient(#fff0,#ffffff80,#fcfcfc);bottom:0;left:50%;position:absolute;top:0;transform:translateX(-50%);width:100vw}.promotion-shopping__description-info{font:400 14px/1.29 Graphik,Helvetica;padding:0;text-align:center}.promotion-shopping__description-info p{margin:0}.promotion-shopping__description-info a{color:#333;cursor:pointer;font-weight:600;text-decoration:underline}.promotion-shopping__description{align-items:center;border:8px solid #e2e2e2;display:inline-flex;flex-direction:column;padding:16px}.promotion-shopping__description+.article-body{margin-top:1.2rem}.promotion-shopping__description:hover{border-color:#d40000}a.promotion-shopping__description-title{color:#d40000;font:600 14px/1.14 Graphik,Helvetica;letter-spacing:.2px;margin:0 38px 12px;text-align:center;text-decoration:none;text-transform:uppercase}@media (max-width:480px){.promotion-shopping__description-info{font:400 12px/1.5 Graphik,Helvetica}.promotion-shopping__description-info a{font-weight:600}a.promotion-shopping__description-title{font:600 12px/1.33 Graphik,Helvetica;letter-spacing:.17px;margin-bottom:8px}.article-body .promotion-shopping__description{margin-bottom:16px;padding:12px 16px}}[class*=article_paragraph_] .tp-container-inner{clear:both}.tag__newsletter-headline{color:#d8361e;display:block;font:600 12px/1.5 Graphik,Helvetica;text-decoration:none;text-transform:uppercase}@media(min-width:480px){.tag__newsletter-headline{font-size:14px}}.article-forbes-advisor,.article-subtype__paidSearch{position:relative}.article-forbes-advisor .advisor-module-embed,.article-forbes-advisor .finds-module-embed,.article-subtype__paidSearch .advisor-module-embed,.article-subtype__paidSearch .finds-module-embed{border:1px solid #e2e2e2;left:-25%;padding:24px;position:relative;width:1044px}.article-forbes-advisor .advisor-module-embed.advisor-module-offset,.article-forbes-advisor .advisor-module-embed.finds-module-offset,.article-forbes-advisor .finds-module-embed.advisor-module-offset,.article-forbes-advisor .finds-module-embed.finds-module-offset,.article-subtype__paidSearch .advisor-module-embed.advisor-module-offset,.article-subtype__paidSearch .advisor-module-embed.finds-module-offset,.article-subtype__paidSearch .finds-module-embed.advisor-module-offset,.article-subtype__paidSearch .finds-module-embed.finds-module-offset{left:-13.5%;width:884px}.article-forbes-advisor .advisor-module-wrapper--offset .advisor-module-title,.article-forbes-advisor .advisor-module-wrapper--offset .finds-module-title,.article-forbes-advisor .finds-module-wrapper--offset .advisor-module-title,.article-forbes-advisor .finds-module-wrapper--offset .finds-module-title,.article-subtype__paidSearch .advisor-module-wrapper--offset .advisor-module-title,.article-subtype__paidSearch .advisor-module-wrapper--offset .finds-module-title,.article-subtype__paidSearch .finds-module-wrapper--offset .advisor-module-title,.article-subtype__paidSearch .finds-module-wrapper--offset .finds-module-title{margin-top:16px}.article-forbes-advisor .advisor-module-wrapper--offset .advisor-module-description p a,.article-forbes-advisor .advisor-module-wrapper--offset .finds-module-description p a,.article-forbes-advisor .finds-module-wrapper--offset .advisor-module-description p a,.article-forbes-advisor .finds-module-wrapper--offset .finds-module-description p a,.article-subtype__paidSearch .advisor-module-wrapper--offset .advisor-module-description p a,.article-subtype__paidSearch .advisor-module-wrapper--offset .finds-module-description p a,.article-subtype__paidSearch .finds-module-wrapper--offset .advisor-module-description p a,.article-subtype__paidSearch .finds-module-wrapper--offset .finds-module-description p a{color:#333}@media(min-width:1024px)and (max-width:1280px){.article-forbes-advisor .advisor-module-embed,.article-forbes-advisor .finds-module-embed,.article-subtype__paidSearch .advisor-module-embed,.article-subtype__paidSearch .finds-module-embed{left:-15%;width:884px}}@media(max-width:1024px){.body-container.forbes-advisor-bc:has(.advisor-module-offset),.body-container.fs-paid-search:has(.finds-module-offset){max-width:552px}.article-forbes-advisor .advisor-module-embed.advisor-module-offset,.article-forbes-advisor .advisor-module-embed.finds-module-offset,.article-forbes-advisor .finds-module-embed.advisor-module-offset,.article-forbes-advisor .finds-module-embed.finds-module-offset,.article-subtype__paidSearch .advisor-module-embed.advisor-module-offset,.article-subtype__paidSearch .advisor-module-embed.finds-module-offset,.article-subtype__paidSearch .finds-module-embed.advisor-module-offset,.article-subtype__paidSearch .finds-module-embed.finds-module-offset{left:-30%}}@media(max-width:480px){.body-container.forbes-advisor-bc:has(.advisor-module-offset){max-width:100%}}@media(min-width:768px)and (max-width:1023px){.body-container.forbes-advisor-bc:has(.advisor-module-offset),.body-container.fs-paid-search:has(.finds-module-offset){max-width:476px}.article-forbes-advisor .advisor-module-embed,.article-forbes-advisor .finds-module-embed,.article-subtype__paidSearch .advisor-module-embed,.article-subtype__paidSearch .finds-module-embed{left:-7%;width:784px}.article-forbes-advisor .advisor-module-embed.advisor-module-offset,.article-forbes-advisor .advisor-module-embed.finds-module-offset,.article-forbes-advisor .finds-module-embed.advisor-module-offset,.article-forbes-advisor .finds-module-embed.finds-module-offset,.article-subtype__paidSearch .advisor-module-embed.advisor-module-offset,.article-subtype__paidSearch .advisor-module-embed.finds-module-offset,.article-subtype__paidSearch .finds-module-embed.advisor-module-offset,.article-subtype__paidSearch .finds-module-embed.finds-module-offset{left:-24%;width:704px}}@media(max-width:767px){.article-forbes-advisor .advisor-module-embed,.article-forbes-advisor .finds-module-embed,.article-subtype__paidSearch .advisor-module-embed,.article-subtype__paidSearch .finds-module-embed{left:-1%;width:100%}.article-forbes-advisor .advisor-module-embed.advisor-module-offset,.article-forbes-advisor .advisor-module-embed.finds-module-offset,.article-forbes-advisor .finds-module-embed.advisor-module-offset,.article-forbes-advisor .finds-module-embed.finds-module-offset,.article-subtype__paidSearch .advisor-module-embed.advisor-module-offset,.article-subtype__paidSearch .advisor-module-embed.finds-module-offset,.article-subtype__paidSearch .finds-module-embed.advisor-module-offset,.article-subtype__paidSearch .finds-module-embed.finds-module-offset{left:0;width:100%}}.best-list-wrapper{display:flex}.best-list-product{border:solid #e3e3e3;border-width:0 0 0 1px;display:flex;flex-direction:column;justify-content:space-between;list-style-type:none;padding-left:2%;padding-right:2%;width:33%}.best-list-product:first-of-type{border-left-width:0;padding-left:0}.best-list-product:last-of-type{padding-right:0}.best-list-product figcaption{display:none}.award-block{align-items:center;background-color:#d40000;color:#fff;display:flex;height:24px;justify-content:space-around;padding:12px}.price-block{border:1px solid #333;border-radius:8px;font:600 12px/16px Graphik,Helvetica;height:32px;letter-spacing:-.2px;max-width:178px;padding:5px;text-align:center;width:100%}.best-list-award-heading{font:600 10px/12px Graphik,Helvetica;text-transform:uppercase}.best-list-image{width:100%}.best-list-btn,.best-list-image{margin-left:auto;margin-right:auto}.best-list-btn{max-width:178px}.best-list-btn:hover{background-color:#f0f0f0}.best-list-product-title{font:600 16px/22px Graphik,Helvetica;height:78px;margin:0 auto 8px;max-width:178px;overflow:hidden;padding:5% 0;width:100%}.preview{margin-bottom:16px}.preview .card__photocredit--large{bottom:-17px;position:absolute;right:0;text-align:center}.preview,.preview__link{display:block}.preview__overflow-wrapper{height:100%;overflow:hidden;width:100%}.preview__image,.preview__overflow-wrapper{left:0;pointer-events:none;position:absolute;top:0}.preview__image{background-color:#e2e2e2;background-position:50%;background-size:cover;bottom:0;right:0}.preview__paid-label{bottom:24px;color:#fff;display:flex;flex-direction:column;left:24px;position:absolute;text-align:left;text-decoration:none;z-index:2}.preview__eyebrows{bottom:0;color:#fff;font:10px/12px Graphik,Helvetica;left:50%;letter-spacing:.5px;margin:0;position:absolute;text-align:center;text-transform:uppercase;transform:translate(-50%,50%);width:100%;z-index:2}.preview__eyebrows span{background:#666;padding:6px 12px}.card--large .preview .preview__image{transition:transform 1s ease-out}.card--large .preview:hover .preview__image--non-progressive,.card--large .preview:hover .preview__image[enhanced]{transform:scale(1.03)}.card--large>.card__photocredit--large{display:none}.card--text .preview{flex-shrink:0;margin-right:16px;width:88px}.card--video-small .preview{flex:0 0 45%;margin-right:16px}.card--video-small .headlink.h3--dense{font:700 14px Merriweather,GeorgiaCustom;margin-top:none}.card--video-small:last-of-type .preview{margin-bottom:0}.card__photocredit--large,.card__photocredit--small{color:#737373;font:10px/20px Graphik,Helvetica;letter-spacing:0;text-transform:uppercase}.card__photocredit--large{padding-top:8px;text-align:center}.card__photocredit--small{padding-top:0;text-align:right}.gradient{background:linear-gradient(180deg,#0000 50%,#0006);height:100%;position:absolute;top:0;width:100%;z-index:1}@media (max-width:768px){.preview .card__photocredit--large{display:none}.card--large>.card__photocredit--large{display:block}}@media (max-width:480px){.card--large .preview:hover .preview__image[enhanced]{transform:none}.card--large .preview .preview__eyebrows--mobile-left,.channel:not(.channel--editors-picks) .card__photocredit--large{text-align:left}.preview__paid-label{margin-left:16px;position:unset}}.featured__carousel{width:auto}.featured__carousel .fbs-slider__slides-wrapper{margin-left:-10%;margin-right:auto;max-width:none;width:120%}.featured__carousel .fbs-slider__slides:after,.featured__carousel .fbs-slider__slides:before{content:" ";display:table}.featured__carousel .fbs-slider__slides:after{clear:both}.featured__carousel .fbs-slider__controls{display:block;left:50%;margin:0 auto;position:absolute;top:40%;transform:translateX(-50%);width:100%}.featured__carousel .fbs-slider__controls button{align-items:center;background-color:#3336;display:flex;height:36px;opacity:1;top:40%;width:36px}.featured__carousel .fbs-slider__controls button:focus{box-shadow:none;outline:none}.featured__carousel .fbs-slider__controls button.fbs-slider__control--highlighted{background-color:#d8361e}.featured__carousel .fbs-slider__controls .fbs-slider__control-left{left:0}.featured__carousel .fbs-slider__controls .fbs-slider__control-right{right:0}.featured__carousel .fbs-slider__controls .fbs-slider__control-left:hover,.featured__carousel .fbs-slider__controls .fbs-slider__control-right:hover{background-color:#d8361e}.featured__carousel .fs-icon{height:16px;margin:auto 0;pointer-events:none;width:16px}.featured__carousel .fs-icon path{fill:#fff}@media (max-width:1400px){.featured__carousel .fbs-slider__slides-wrapper{margin-left:-20%;width:140%}}@media (max-width:1230px){.featured__carousel .fbs-slider__slides-wrapper{margin-left:-40%;width:180%}}@media (max-width:1024px){.featured__carousel .fbs-slider__controls{width:calc(100vw - 32px)}}@media (max-width:768px){.featured__carousel .fbs-slider__slides-wrapper{margin-left:0;margin-top:16px;overflow:visible;width:150%}.featured__carousel .fbs-slider__controls{display:none}}@media (max-width:480px){.featured__carousel .fbs-slider__slides-wrapper{overflow:hidden;width:170%}}.featured__slide.fbs-slider__slide--current{opacity:1;transform:scale(1)}.featured__slide.fbs-slider__slide--current .featured__slide-content{opacity:1}.featured__slide.fbs-slider__slide--current .featured__slide-link{pointer-events:auto}.featured__slide{opacity:.5;outline:none;padding:0!important;position:relative;transform:scale(.65);transition:transform .5s ease-out}.featured__slide--highlighted,.featured__slide:hover{opacity:1}.featured__slide-scrim{background:#181716;inset:0;position:absolute}.featured__slide-bg{background-position:50%;background-size:cover;bottom:0;cursor:pointer;left:0;position:absolute;right:0;top:0;transition:transform .2s ease}.featured__slide-video{align-items:center;bottom:16px;color:#fff;display:flex;left:24px;position:absolute}.featured__slide-video span:not(:last-child){margin-right:4px}.featured__slide-video-label{font:700 14px/16px Graphik,Helvetica;letter-spacing:1.8px}.featured__slide-video-play--icon{height:18px;width:18px}.featured__slide-video-play--icon path{fill:#fff}.featured__slide-video-duration{font:14px/16px Graphik,Helvetica;letter-spacing:1.17px}.featured__slide-link{pointer-events:none;text-decoration:none}.featured__slide-link:hover{cursor:pointer;text-decoration:underline}.featured__slide-link span{pointer-events:none}.featured__slide-link--bg{height:100%;left:0;position:absolute;top:0;width:100%}.featured__slide-content{align-items:center;color:#181716;display:flex;flex-direction:column;justify-content:flex-start;margin-top:8px;min-height:90px;opacity:0;text-align:center;transition:opacity .5s;width:100%}.featured__slide-paid-label{font:12px/18px Graphik,Helvetica;letter-spacing:0}.featured__slide-paid-label,.featured__slide-paid-label--ftc-label{color:#737373;display:inline-block}.featured__slide-title{display:inline-block;margin-top:4px;width:100%}.featured__slide-link--title{-webkit-box-orient:vertical;-webkit-line-clamp:2;color:#333;display:-webkit-box;font:700 20px/24px Merriweather,GeorgiaCustom;overflow:hidden}.featured__slide-link--author{font-weight:600}@media (max-width:768px){.featured__slide{opacity:1}.featured__slide-content{align-items:baseline;text-align:inherit}}@media (max-width:480px){.featured__slide{transform:scale(.8)}.featured__slide-link--title{font-size:16px;line-height:1.33}.featured__slide-video{bottom:8px;left:16px}.featured__slide-video-label{font:700 12px/1 Graphik,Helvetica;letter-spacing:1px}.featured__slide-video-play--icon{height:18px;width:18px}.featured__slide-video-play--icon path{fill:#fff}.featured__slide-video-duration{font:12px/1 Graphik,Helvetica;letter-spacing:1px}}.top-stories{background-color:#fff;clear:both;left:50%;position:relative;transform:translateX(-50%);visibility:visible;width:100%}.top-stories-img-placeholder{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%;display:block;height:161px;left:0;margin-bottom:5px;position:relative;width:290px}a.top-stories-img{background-position:50% 50%;background-repeat:no-repeat;background-size:cover;height:100%;left:0;max-height:100%;position:absolute;text-decoration:none;top:0;width:100%}.top-stories__carousel-wrapper{padding:54px 0 13px}.top-stories__carousel .fbs-slider__slides-wrapper{margin:0 73px;position:relative}.top-stories__carousel .fbs-slider__slides-wrapper:after{background:linear-gradient(90deg,#fff0,#fff);bottom:0;content:" ";pointer-events:none;position:absolute;right:0;top:0;width:15%}.top-stories__carousel .fbs-slider__slide{min-height:74px;outline:none;padding:14px 9px 0 17px;position:relative}.top-stories__carousel .fbs-slider__controls button{background-color:#3336;height:36px;top:31%;width:36px}.top-stories__carousel .fbs-slider__control--hidden,.top-stories__carousel .fbs-slider__controls .disabled{display:none}.top-stories__carousel .fbs-slider__control-left:hover,.top-stories__carousel .fbs-slider__control-right:hover{background-color:#d8361e;opacity:1}.top-stories__carousel .fs-icon{height:16px;margin:auto 0;pointer-events:none;width:16px}.preview__eyebrows--top-stories{height:24px;left:90px;margin-top:8px;pointer-events:none;text-align:left;top:16px;transform:none;width:auto}.preview__eyebrows--top-stories span{background-color:#737373;display:inline-block;font-weight:700;pointer-events:none}.preview__eyebrows--top-stories.happening-now span{background-color:#d8361e}.preview__eyebrows--top-stories.vetted span{background-color:#d40000}.top-stories__date{color:#737373;font:10px/14px Graphik,Helvetica;letter-spacing:-.12px;padding:6px 0}.top-stories__date .time:before{content:" "}.top-stories__title{color:#333;font:500 14px/24px Graphik,Helvetica;max-height:48px;overflow:hidden;padding-bottom:10px;text-decoration:none}.top-stories__title:hover{text-decoration:underline}@media (max-width:767px){.top-stories{display:none}}.story-package__nav-wrapper{cursor:pointer;position:sticky;top:56px;transition:all .2s ease-out;width:100%;z-index:5}.story-package__nav-wrapper.story-package__nav-wrapper-standard .story-package__header-wrapper{background-color:#007ac8}.story-package__nav-wrapper.story-package__nav-wrapper-standard .story-package__header-wrapper .story-package__title{font-family:Graphik,Helvetica;font-weight:400}.story-package__nav-wrapper.story-package__nav-wrapper-standard .story-package__block-title{font-family:Merriweather,GeorgiaCustom}.fda-subnav{top:112px}.story-package__nav-wrapper--hero{top:114px}.story-package__nav-wrapper--hidden{position:relative;transform:translateY(-200px)}.story-package__header-wrapper{align-items:center;background-color:#c00;display:flex;height:36px;justify-content:center;position:relative;z-index:7}.story-package__title{color:#fff;font:700 16px Euclid;overflow:hidden;padding:10px;text-decoration:none;text-overflow:ellipsis;text-transform:uppercase;white-space:nowrap}.story-package__arrow{color:#fff;display:flex}.story-package__arrow .fs-icon--chevron-down{fill:currentColor;height:30px;max-width:25px;pointer-events:none;transition:all .5s}.story-package__arrow--rotate{transform:rotate(180deg)}.story-package__carousel-wrapper{background-color:#fff;box-shadow:0 6px 4px -4px #000000b3;font-family:Euclid;max-height:80px;opacity:0;padding:12px 0;pointer-events:none;position:absolute;top:0;transition:all .2s ease-out;width:100%}.story-package__block--visible{opacity:1;pointer-events:auto;transform:translateY(45%)}.story-package__carousel .fbs-slider__slides-wrapper{max-height:66px;position:relative}.story-package__carousel .fbs-slider__slides-wrapper.fbs-slider__slides-wrapper--small,.story-package__carousel .fbs-slider__slides-wrapper.fbs-slider__slides-wrapper--small .fbs-slider__slides{display:flex;justify-content:center}.story-package__carousel .fbs-slider__slides-wrapper.fbs-slider__slides-wrapper--small .fbs-slider__slides .fbs-slider__slide{max-width:380px}.story-package__carousel .fbs-slider__slide{align-items:center;min-height:56px;outline:none;padding:0 25px}.story-package__carousel .fbs-slider__slide:not(.primary):before{bottom:0;content:"";height:100%;left:0;pointer-events:none;position:absolute;top:0}.story-package__carousel .fbs-slider__controls button{background-color:#3336;max-height:36px;max-width:36px;top:10px}.story-package__carousel .fbs-slider__control--hidden,.story-package__carousel .fbs-slider__controls .disabled{display:none}.story-package__carousel .fbs-slider__control-left:hover,.story-package__carousel .fbs-slider__control-right:hover{background-color:#c00;opacity:1}.story-package__carousel .fs-icon{margin:auto 0;max-height:16px;max-width:16px;pointer-events:none}.story-package__block-title{font-size:16px;font-weight:700;line-height:1.5;overflow:hidden;pointer-events:inherit;text-decoration:none}.story-package__block-title:hover{text-decoration:underline}.story-package__title-no-uri:hover{text-decoration:none}.story-package__block-date{font:10px Graphik,Helvetica;min-height:16px;opacity:.8;width:100%}.story-package__gradient-container{background:linear-gradient(90deg,#fff0,#fff);height:80px;pointer-events:none;position:absolute;right:80px;top:0;width:15%;z-index:2}@media (min-width:1025px){.story-package__nav-wrapper--hero{top:122px}}.advisor-dislcaimer,.vetted-disclamier{margin-bottom:16px;padding:16px;text-align:left;width:100%}.vetted-disclamier__text{-webkit-font-smoothing:antialiased;color:#333;font:normal 14px/1.57 Graphik,Helvetica;margin:0 auto;text-decoration:none}.vetted-disclamier__text a{font-weight:600;text-decoration:none}.forbes-finds-disclaimer{-webkit-font-smoothing:antialiased;color:#333;font:normal 12px/1.33 Graphik,Helvetica;letter-spacing:-.2px;margin:0 auto;max-width:750px;min-height:34px;text-decoration:none}.forbes-finds-disclaimer a{color:#333;font-weight:700;text-decoration:none}.finds-disclaimer{font:10px/14px Graphik,Helvetica;margin-bottom:0;padding:16px 0}.advisor-disclaimer{max-width:668px}@media (max-width:768px){.advisor-disclaimer{padding:16px 1rem}}.vetted-disclamier--chansec{display:block}.vetted-breadcrumbs{border-bottom:none;padding-top:4px}@media(min-width:480px){.finds-disclaimer,.finds-disclaimer div{min-height:33px}}@media (max-width:480px){article>div{padding-bottom:0}.vetted-disclamier--chansec{display:none}.vetted-disclamier__text{font:normal 12px/1.2 Graphik,Helvetica}.advisor-disclaimer,.vetted-disclamier{padding:16px 16px 0}}.vetted-coupons__carousel-container{border:1px solid #e2e2e2}.vetted-coupons__carousel-container .coupons-heading-link{display:block;margin:10px 0 10px 72px}.vetted-coupons__carousel-container .coupons-heading-link:hover{text-decoration:none}.vetted-coupons__carousel-container .coupons-heading-link .coupons-heading{font:600 22px/1.45 Graphik,Helvetica;letter-spacing:-.2px}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper{display:flex;justify-content:space-between}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .coupon-container{display:inline-flex}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .coupon-container .coupon-image{height:86px;margin:auto 0;padding:0 20px;width:150px}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .coupon-container .coupon-image .merchant-image-container{align-items:center;display:flex;height:100%;justify-content:center;overflow:hidden;position:relative;width:100%}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .coupon-container .coupon-image .merchant-image-container .coupon-img-link{display:contents}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .coupon-container .coupon-image .merchant-image-container .coupon-img-link img{height:100%!important;left:0;max-height:100%;max-width:100%;object-fit:contain;padding:10px 0;position:absolute;top:0;width:100%}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .coupon-container .coupon-details{margin-left:16px}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .coupon-container .coupon-details .coupon-title{font:600 18px/1.33 Graphik,Helvetica}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .coupon-container .coupon-details .coupon-link{color:#333;display:block;font:normal 10px/1.2 Graphik,Helvetica;letter-spacing:-.2px;text-decoration:none}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__slides-wrapper{max-width:450px}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls{left:0;position:absolute;right:0;top:45%;transform:translateY(-50%);z-index:1}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls button{background-color:#fcfcfc;box-shadow:none}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls button:active{background-color:#e2e2e2}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right{background-color:#0000;border-radius:50%;color:#333;height:32px;opacity:1;padding:8px;top:calc(50% - 15px);width:32px}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left.svg,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right.svg{height:30px;margin-top:-1px;width:30px}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left.hover-state,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left:hover,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right.hover-state,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right:hover{background-color:#eaeaea;color:#333;opacity:1}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left:focus,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right:focus{border-color:#fff;box-shadow:inset 0 0 .5px #007ac8;outline:3px solid #007ac8}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left.disabled,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left:disabled,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right.disabled,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right:disabled{background:none;pointer-events:none}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left.disabled .fs-icon,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-left:disabled .fs-icon,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right.disabled .fs-icon,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__controls .fbs-slider__control-right:disabled .fs-icon{color:#bbb}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__slide:not(.active){visibility:hidden}.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__slide.active,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__slide.active .small__product--deal,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__slide.active .small__product--hover,.vetted-coupons__carousel-container .vetted-coupons__carousel-wrapper .vetted-coupon-carousel .fbs-slider__slide:not(.active):nth-child(3) .small__product--content .small__product--image{opacity:1}.vetted-coupons__carousel-container .fbs-carousel__dots{height:3.1vw;margin-bottom:22px;text-align:center}.vetted-coupons__carousel-container .fbs-carousel__dots button{background-color:#d8d8d8;border-radius:50%;height:8px;margin:0 4px;opacity:.5;width:8px}.vetted-coupons__carousel-container .fbs-carousel__dots .active{background-color:#565656;opacity:1}.vetted-coupons__carousel-container .fbs-carousel__dots .hide{position:absolute;visibility:hidden}@media (max-width:1024px){.vetted-coupons__carousel-container .coupons-heading-link{margin:10px 0 10px 30px}.vetted-coupons__carousel-container .fbs-slider__slide.active{overflow:unset}.vetted-coupons__carousel-container .fbs-slider__slide:not(.active):nth-child(n){opacity:1}}@media (max-width:768px){.vetted-coupons__carousel-container .fbs-carousel__dots button{margin:0 6px}.vetted-coupons__carousel-container .fbs-carousel__dots button .fbs-slider__slide:not(.active):nth-child(n){opacity:1}}html{scroll-behavior:smooth}.anchor-navbar__wrapper{position:sticky;top:56px;transition:all .5s ease-out;z-index:5}.anchor-navbar__wrapper--hero{transform:translateY(66px)}.anchor-navbar__carousel{height:56px}.anchor-navbar__carousel .fbs-slider__controls button{align-items:center;background-color:currentColor;display:flex;max-height:40px;max-width:40px;opacity:1;top:8px}.anchor-navbar__carousel .fbs-slider__controls .disabled{display:none}.anchor-navbar__carousel .fs-icon{fill:currentColor;pointer-events:none}.anchor-navbar__title{cursor:pointer;display:block;font-size:18px;font-weight:600;height:100%;min-width:56px;overflow:hidden;padding:18px 15px 15px;text-align:center;text-decoration:none;text-overflow:ellipsis;text-transform:uppercase;white-space:nowrap}.anchor-navbar__title:hover{transform:scale(1.13)}.anchor-navbar__wrapper--hidden{transform:translateY(-100vh)}.anchor-navbar__wrapper--mobile{align-items:center;display:flex;gap:40px;height:56px;justify-items:center;overflow-x:auto;padding:0 10px;scrollbar-width:none}.anchor-navbar__wrapper--mobile::-webkit-scrollbar{display:none}.anchor-subnav__item{color:currentColor;cursor:pointer;flex:1;text-align:center;white-space:nowrap}.anchor-subnav__title{color:currentColor;font-size:18px;font-weight:600;text-decoration:none;text-transform:uppercase}.tooltip-text:after{border:5px solid;border-color:#0000 #0000 #007ac8;bottom:100%;content:"";left:calc(100% - 25px);position:absolute}.tooltip-text{background-color:#007ac8;border-radius:6px;color:#fff;display:none;font:700 12px/1.9 Graphik,Helvetica;height:112px;padding:12px;position:absolute;text-align:left;top:45px;transition:opacity .3s;white-space:break-spaces;width:262px;z-index:1}.tooltip-text.positioning-tip{left:0;top:25px}.tooltip-text.positioning-tip:after{left:auto;right:calc(100% - 25px)}.tooltip-text .tooltip-info{font:normal 12px/1.4 Graphik,Helvetica}.tooltip-text .tooltip-button{color:#fff;font-weight:700;text-decoration:underline}.tooltip-text.tooltip-show{display:block;visibility:visible}.premium-tip{top:30px}.openWeb-wrapper{align-items:baseline;display:flex;flex-direction:column;justify-content:center;margin:0 auto;max-width:1800px;width:95%}@media(min-width:480px){.openWeb-commenting{filter:invert(100%);mix-blend-mode:difference}}.openWeb-commenting.desktop{margin:-25px 4% 0 7%;width:555px}.desktop.openWeb-premium{margin:0;max-width:100%;width:100%}.open-web_anchor--desktop{align-items:center;background-color:#fcfcfc;border-radius:16px;cursor:pointer;display:flex;justify-content:center;min-height:32px;position:relative;width:54px}.open-web_anchor--desktop:hover{background-color:#0000000a}.open-web_anchor--desktop:active{background-color:#00000014}.open-web_anchor--desktop.open-web-anchor-standard-topline{padding-top:0}.open-web_anchor--desktop.hidden *{display:none}.open-web_anchor--premium{background-color:var(--backgroundColor);justify-content:center;width:auto}.open-web_anchor--premium:hover{background-color:#0000000a}.open-web_anchor--premium:active{background-color:#00000014}.openWeb-wrapper-adLight{display:flex;flex-direction:column;justify-content:center;margin:0 auto;width:100%}.openWeb-commenting.adLight--desktop{width:100%}.messages-count{align-self:center;display:flex}.open-web_anchor--link.premium-anchor-link{flex-direction:row;gap:8px;padding:8px}.open-web_anchor--link.premium-anchor-link .replies-count__container--premium{color:#007ac8;font:normal 10px/12px Graphik,Helvetica!important}.open-web_anchor--link.premium-anchor-link svg{fill:#007ac8;height:16px;margin:0;width:16px}.standard-commenting{color:#007ac8}a.open-web_anchor--link{align-items:center;display:flex;flex-direction:row-reverse;height:36px;pointer-events:all;text-decoration:none}a.open-web_anchor--link svg{fill:#007ac8;height:16px;margin:0 10px 0 0;width:16px}a.open-web_anchor--link>div{display:flex}a.open-web_anchor--link>div>div>a{color:currentColor;font-size:12px;line-height:16px}a.open-web_anchor--link.masthead-anchor{color:#007ac8}svg.mac-margin{margin:-65px 10px}@media (max-width:1759px){.openWeb-commenting.desktop{margin-left:29%;width:683px}.desktop.openWeb-premium{margin:0;width:100%}}@media(min-width:1330px)and (max-width:1600px){.openWeb-commenting.desktop{margin:-25px 0 auto}}@media (max-width:1329px){.openWeb-commenting.desktop{margin-left:7%;width:56%}.desktop.openWeb-premium{margin:0;width:100%}.openWeb-wrapper{display:block}}.openWebHeaderContainer{padding:32px 16px 0}.openWebHeaderContainer .header{display:flex;flex-direction:column;flex-wrap:wrap}.openWebHeaderContainer .header .title{font:700 32px/30px Schnyder S,serif;margin-right:16px}.openWebHeaderContainer .header .data{color:#737373;font:normal 600 14px/22px Graphik,helvetica,sans-serif;gap:4px}.openWebHeaderContainer .header .count{font-weight:400}.openWebHeaderContainer .ow-mobile{color:#333}.openWebHeaderContainer .info{font:normal 400 14px/22px Graphik,helvetica,sans-serif;letter-spacing:-.2px;max-width:343px;padding-top:8px}.openWebHeaderContainer .info p{display:inline}.openWebHeaderContainer .info span{color:#737373}.openWebHeaderContainer .info .termsButton{color:#003891;text-decoration:underline}.openWeb-overlay .openWebHeaderContainer{background:#fff}.openWeb-wrapper-adLight .openWebHeaderContainer{margin-left:0;max-width:100%;width:100%}.openWebHeaderContainer{margin:0 4% 0 7%;padding:0 6px;width:53%;z-index:1}@media(min-width:480px){.openWebHeaderContainer{max-width:56%;width:100%}}@media(min-width:768px){.openWebHeaderContainer{max-width:max(56%,555px)}}@media(min-width:1330px){.openWebHeaderContainer{margin-left:29%;max-width:min(56%,683px);width:700px}}@media(min-width:1760px){.openWebHeaderContainer{margin-left:25%;max-width:min(56%,555px)}}.openWebHeaderContainer .header{align-items:center;flex-direction:row;justify-content:space-between}.openWebHeaderContainer .info{max-width:100%}.openWebTermsOverlayContainer{align-items:center;background:#0006;display:none;height:100vh;justify-content:center;left:0;position:fixed;top:0;width:100vw;z-index:1001}.openWebTermsOverlay{background:#fff;border-radius:5px;box-sizing:border-box;color:#333;display:flex;flex-direction:column;height:calc(100vh - 110px);margin-top:0;overflow-y:scroll;padding:15px 20px;width:800px}.openWebTermsOverlay .CommunityGuidelines{font-family:Graphik,helvetica,sans-serif;padding:0 30px}.openWebTermsOverlay .closeIcon{align-items:center;align-self:end;border-radius:50%;display:flex;justify-content:center;padding:10px}.openWebTermsOverlay .closeIcon:hover{background-color:#f4f4f4}.openWebTermsOverlay .closeIcon svg{fill:#a8abae;height:24px;width:24px}.openWebTermsOverlay .CommunityGuidelinesImg{margin:0 auto;min-height:174px;min-width:156px}.openWebTermsOverlay .header{font-size:24px;font-weight:700;line-height:32px;margin-bottom:10px}.openWebTermsOverlay .info{margin-top:24px}.openWebTermsOverlay .info,.openWebTermsOverlay .list{font-size:15px;font-weight:200;line-height:24px}.openWebTermsOverlay .list{list-style:disc;padding-left:0}.openWebTermsOverlay .info a{color:#dca10d}.openWebTermsOverlay{height:calc(100vh - 125px)}.openWebTermsOverlay ul{padding-left:40px}*,:after,:before{box-sizing:inherit}html{box-sizing:border-box}body{-moz-font-feature-settings:"kern";-webkit-font-feature-settings:"kern";font-feature-settings:"kern";-moz-osx-font-smoothing:grayscale;-webkit-font-smoothing:antialiased;font-family:Graphik,sans-serif;-moz-font-kerning:normal;-webkit-font-kerning:normal;font-kerning:normal;-moz-font-variant-ligatures:common-ligatures;-webkit-font-variant-ligatures:common-ligatures;font-variant-ligatures:common-ligatures;height:100%;line-height:1;margin:0;text-rendering:optimizelegibility;width:100%}article,aside,details,figcaption,figure,footer,header,hgroup,menu,nav,section{display:block}textarea{overflow:auto;resize:vertical;vertical-align:top}button,input,select,textarea{font:inherit}a{color:inherit;cursor:pointer}p a{color:#003891}p a:hover{text-decoration:underline}li{-webkit-font-smoothing:auto}ul{margin:0;padding:0}button{background:none;border:none;color:inherit;cursor:pointer;outline:none;padding:0}em,i{font-style:italic}b,strong{font-weight:700}table{border-collapse:collapse;border-spacing:0}img{max-width:100%}blockquote,dd,dl,figure,h1,h2,h3,h4,p{margin:0}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:400;src:local(merriweather),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:italic;font-weight:700;src:local("Merriweather Bold Italic"),local("Merriweather-BoldItalic"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bolditalic-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:normal;font-weight:700;src:local("Merriweather Bold"),local("Merriweather-Bold"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2) format("woff2")}@font-face{font-display:swap;font-family:Merriweather;font-style:italic;font-weight:400;src:local("Merriweather Italic"),local("Merriweather-Italic"),url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-italic-webfont.woff2) format("woff2")}@font-face{ascent-override:68%;descent-override:0%;font-family:GeorgiaCustom;line-gap-override:2%;size-adjust:110%;src:local(Georgia)}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:600;src:local("Work Sans SemiBold"),local("WorkSans-SemiBold"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_600_latin_ext.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:600;src:local("Work Sans SemiBold"),local("WorkSans-SemiBold"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_600_latin.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:400;src:local("Work Sans"),local("WorkSans-Regular"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_400_latin_ext.woff2) format("woff2")}@font-face{font-display:swap;font-family:Work Sans;font-style:normal;font-weight:400;src:local("Work Sans"),local("WorkSans-Regular"),url(https://i.forbesimg.com/assets/fonts/work-sans/work_sans_400_latin.woff2) format("woff2")}@font-face{font-display:swap;font-family:SchnyderSBold;font-weight:700;src:local("Schnyder S Bold"),local("Schnyder-S-Bold"),url(https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf) format("opentype")}@font-face{font-display:swap;font-family:SchnyderSDemi;font-style:normal;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Regular-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:500;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Medium-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:Graphik;font-weight:600;src:url(https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Semibold-Web.woff2) format("woff2")}@font-face{font-display:swap;font-family:GraphikWide;font-weight:600;src:url(https://i.forbesimg.com/assets/fonts/Graphik/GraphikWide-Semibold-Web.woff) format("woff")}@font-face{font-display:swap;font-family:GraphikWide;font-weight:700;src:url(https://i.forbesimg.com/assets/fonts/Graphik/GraphikWide-Bold-Web.woff) format("woff")}.du3ofIDk,[hidden]{display:none}.du3ofIDk{letter-spacing:-.2px}.wD27Qjo8{background:none;border:none;color:#333;display:flex;justify-content:space-between;outline:none;padding:20px 0;width:100%}.wD27Qjo8:focus-visible .du3ofIDk,.wD27Qjo8:hover .du3ofIDk{display:inline-block}.wD27Qjo8:focus-visible{box-shadow:inset 0 0 .5px #007ac8;outline:3px solid #007ac8}.EWB3jAaP{-moz-column-gap:16px;column-gap:16px;display:flex}.AYOT5aeZ{font:600 16px/22px Graphik,helvetica,sans-serif}.mV8lFLsI{font:400 14px/22px Graphik,helvetica,sans-serif}.qcWtg4iA{-moz-column-gap:8px;column-gap:8px;display:flex;font-size:14px}.qcWtg4iA svg{height:24px;transition:transform .3s ease;width:24px}.qcWtg4iA.fteLjZFH svg{transform:rotate(180deg)}.sarnp2iz{line-height:1.5;padding-left:16px}.G9049W9y{align-items:center;box-sizing:initial;display:flex;font-family:Graphik,helvetica,sans-serif;justify-content:center;width:100%}.G9049W9y>fbs-ad{position:relative;text-align:center;width:100%}.-f56S99-,.D5qUsYLg>fbs-ad{min-height:66px}._1apm68B5>fbs-ad,._58TEnws->fbs-ad{min-height:250px}.ohv2Kw5V>fbs-ad{max-height:100px;min-height:50px}.-pNJMgij{align-items:flex-start;min-width:160px;position:relative}.SfBp78q9{padding-top:20px}.SfBp78q9>:before{color:#737373;content:"Advertisement";display:flex;font-size:10px;left:50%;margin-top:-20px;position:absolute;text-transform:uppercase;transform:translateX(-50%)}.uUw53xCb>fbs-ad:before{color:#bbb}.p9hjoHLX{background-color:#007ac8;border-radius:6px;color:#fff;font:700 12px/1.9 Graphik,helvetica,sans-serif;margin-top:15px;padding:12px;position:absolute;transition:opacity .3s;white-space:break-spaces;width:262px;z-index:1}.p7flfBaw{position:relative}.p7flfBaw svg{fill:#fff;cursor:pointer;height:14px;position:absolute;right:-6px;top:-8px;width:14px}.WE0DewuZ{font-weight:400;line-height:16px}.uwkcTYjT{background:none;border:none;color:#fff;font-weight:700;outline:none;padding:0;text-decoration:underline}._1XnDV7Kl{border:5px solid;border-color:#0000 #0000 #007ac8;bottom:100%;content:"";position:absolute}.bIlBkgqj{left:46px}.VzoDYEdZ{left:calc(100% - 46px)}.mDZGoGEp{left:50%}._0UnCgPRj{align-items:center;display:inline-flex;letter-spacing:.5px}.p0qmWero{text-transform:uppercase}.Io6anw8a{display:inline-flex}.WS7L-h1G{font:600 10px/12px Graphik,helvetica,sans-serif}.WS7L-h1G svg{height:9px;margin:0 5.5px;width:12px}.VkUETck5{font:600 12px/16px Graphik,helvetica,sans-serif}.VkUETck5 svg{height:12px;margin:0 6px;width:12px}.RHoDXwy0{font:600 14px/22px Graphik,helvetica,sans-serif}.RHoDXwy0 svg{height:13.5px;margin:0 6.5px;width:13.5px}.ac1mEM8u{color:#fff}.ac1mEM8u svg path{fill:#fff}._8ywwnd0e{color:#171717}.rf--20Ww{border:solid var(--background-color-active);border-width:0 0 1px 1px;display:flex}._9-I7-GeA{border-right:1px solid var(--background-color-active)}._5YdGG4JZ{border-radius:50%;max-width:100%;min-height:100%;-o-object-fit:cover;object-fit:cover}.KChd-Vju,._6Q2IDc-r,._8cjw-SPU{align-items:center;display:flex}._8cjw-SPU{font:12px/18px Graphik,helvetica,sans-serif;text-decoration:none;text-transform:uppercase}@media(max-width:479px){._8cjw-SPU{font-size:10px;line-height:15px}}.fTSKiIOA{color:#737373}._2uHcUdeI{color:#bbb}.isDg-4PG{color:currentcolor;cursor:pointer;text-decoration:inherit}.KChd-Vju svg{fill:currentcolor;height:16px;margin-inline:4px;position:relative;width:16px}._18BedXz4{align-items:center;background:none;border:1px solid;border-color:inherit;border-radius:8px;display:inline-flex;font-family:Graphik,helvetica,sans-serif;font-stretch:normal;font-style:normal;font-weight:600;justify-content:center;text-decoration:none}.Sn26m-xQ.st6yY9Jv{background:#333;border-color:#333;color:#fff}.Sn26m-xQ.st6yY9Jv:hover{background:#242424;border-color:#242424}.Sn26m-xQ.st6yY9Jv:active{background:#171717;border-color:#171717}.Sn26m-xQ.st6yY9Jv:disabled,.Sn26m-xQ.st6yY9Jv:disabled:hover{background:#f0f0f0;border-color:#f0f0f0;color:#bbb;cursor:not-allowed}.Sn26m-xQ.j-3rjz0y{background:#fff;border-color:#333;color:#333}.Sn26m-xQ.j-3rjz0y:hover{background:#f0f0f0}.Sn26m-xQ.j-3rjz0y:active{background:#e3e3e3}.Sn26m-xQ.j-3rjz0y:disabled,.Sn26m-xQ.j-3rjz0y:disabled:hover{background:#fcfcfc;border-color:#e3e3e3;color:#bbb;cursor:not-allowed}._9gE86Z3W.st6yY9Jv{background:#dc0000;border-color:#dc0000;color:#fff}._9gE86Z3W.st6yY9Jv:hover{background:#bd0000;border-color:#bd0000}._9gE86Z3W.st6yY9Jv:active{background:#a40000;border-color:#a40000}._9gE86Z3W.st6yY9Jv:disabled,._9gE86Z3W.st6yY9Jv:disabled:hover{background:#f0f0f0;border-color:#f0f0f0;color:#bbb;cursor:not-allowed}._9gE86Z3W.j-3rjz0y{background:#007ac8;border-color:#007ac8;color:#fff}._9gE86Z3W.j-3rjz0y:hover{background:#0067a9;border-color:#0067a9}._9gE86Z3W.j-3rjz0y:active{background:#005890;border-color:#005890}._9gE86Z3W.j-3rjz0y:disabled,._9gE86Z3W.j-3rjz0y:disabled:hover{background:#f0f0f0;border-color:#f0f0f0;color:#bbb;cursor:not-allowed}._9gE86Z3W.Nd7xMFo8{background:#fff;border-color:#007ac8;color:#007ac8}._9gE86Z3W.Nd7xMFo8:hover{background:#f0f0f0}._9gE86Z3W.Nd7xMFo8:active{background:#e3e3e3}._9gE86Z3W.Nd7xMFo8:disabled,._9gE86Z3W.Nd7xMFo8:disabled:hover{background:#fcfcfc;border-color:#e3e3e3;color:#bbb;cursor:not-allowed}.zfmcPBtS{font-size:12px;height:32px;padding:8px 16px}.HYxwiAla{font-size:14px;height:40px;padding:11px 16px}.iWceBwQC{font-size:14px;height:48px;padding:15px 32px}._06KkGaU5{align-self:center;height:24px;margin-right:16px;width:24px}._06KkGaU5 svg>*{fill:currentcolor}.JULvqjXa{align-items:center;background:none;border:1px solid #0000;border-radius:50%;display:flex;justify-content:center;margin:4px;padding:7px}.JULvqjXa svg{min-width:16px}.JULvqjXa:focus-visible{box-shadow:inset 0 0 .5px #007ac8;outline:3px solid #007ac8}._1Dl6Y2Kb svg{height:16px;width:16px}.f79QY-7J svg{height:24px;width:24px}._5CBu2WYB svg{height:32px;width:32px}.K55B6PbF svg{fill:#fff}.K55B6PbF._7zkbhAtG{background-color:#000}@media(hover:hover){.K55B6PbF:hover{background:#202020}}.K55B6PbF:active{background:#242424;box-shadow:none}.K55B6PbF:focus{background:#202020;border-color:#000}.TVxEFOXb svg{fill:#333}.TVxEFOXb._7zkbhAtG{background-color:#fcfcfc}@media(hover:hover){.TVxEFOXb:hover{background:#eaeaea}}.TVxEFOXb:active{background:#e6e6e6;box-shadow:none}.TVxEFOXb:focus{border-color:#fff}.TVxEFOXb:disabled{cursor:default;pointer-events:none}.TVxEFOXb:disabled svg{opacity:.4}.K55B6PbF:disabled{cursor:default;pointer-events:none}.K55B6PbF:disabled svg{opacity:.4}.Lj4WD76E{margin-top:8px}._8YfsDhUL{color:#333;display:flex;font:600 14px/1.57 Graphik,helvetica,sans-serif;text-decoration:none}._8YfsDhUL svg{fill:currentcolor;margin-left:8px;width:20px}._8YfsDhUL:hover{text-decoration:underline}._8YfsDhUL:hover svg{transform:translate(8px)}.mMSPj2C-{color:#fff}.RpE-tzG2{align-items:center;cursor:pointer;display:flex;gap:8px}.KT-JVT4b{height:28px;width:28px}.IhvW-Jpr svg{fill:#bbb}.rRsHSTYS svg{fill:#008516}.jnMEz-v7{color:#333;font:400 14px/21px Graphik,helvetica,sans-serif}.KHW7iZYa{--bg-color:#fff;--text-color:#333}.syWbMdxx{--bg-color:#000;--text-color:#bbb}.LjRUXB48{background-color:var(--bg-color);box-shadow:0 4px 8px #3333331a;color:var(--text-color);cursor:default;font:10px/12px Graphik,helvetica,sans-serif;letter-spacing:-.2px;padding:8px 12px;position:absolute;white-space:nowrap;width:auto}.zkbhIIYL{align-self:center;font-weight:300;position:relative}.zkbhIIYL svg{fill:currentcolor;margin-left:4px;max-height:10px;opacity:.8;top:50%;transform:translateY(9.5%);width:10px}.zkbhIIYL svg path{fill:currentcolor;transform:scale(1.633) translate(-21%,-21%)}.zkbhIIYL .FlEs-i3G{align-items:center;bottom:35px;cursor:pointer;display:none;left:50%;margin-bottom:-18px;transform:translate(-50%)}.zkbhIIYL .FlEs-i3G.NCZi24ww{bottom:auto;top:20px}.zkbhIIYL .FlEs-i3G.Q16y-ZSe{bottom:10px;left:20px;transform:none}.zkbhIIYL .FlEs-i3G.-E3NQNhB{bottom:10px;left:auto;right:20px;transform:none}.zkbhIIYL .FlEs-i3G._4rbSpMRi{display:block}.Na3NTglQ{color:#737373;font-family:Graphik,helvetica,sans-serif;letter-spacing:-.2px;line-height:16px;min-height:20px}.Na3NTglQ._51GWpoAk{font-size:12px}.Na3NTglQ.nAWUpAKB{font-size:14px}.Na3NTglQ.Pzzl7kAi{font-size:16px}._4tin10wS{color:#333;display:inline-block;font-weight:600;text-decoration:none;text-transform:capitalize}._4tin10wS,.ujvJmzbB{margin-right:5px}.MN11Q1kr{color:#737373;font:italic 400 12px/16px Georgia,Cambria,Times New Roman,Times,serif;letter-spacing:-.2px}.if9PFZGp{color:#bbb}.if9PFZGp span div{box-shadow:none;color:#171717}.if9PFZGp ._4tin10wS{color:#fff}.if9PFZGp .MN11Q1kr{color:#bbb}._9uH1L-MC ._4tin10wS,._9uH1L-MC .ujvJmzbB{color:var(--fbs-text-primary);font:400 12px/18px Graphik,helvetica,sans-serif;margin-right:4px}._9uH1L-MC .AtUb4gy8{color:var(--fbs-text-secondary);font:400 12px/18px Graphik,helvetica,sans-serif}.LzN-3SCW{display:block;font-family:Graphik,helvetica,sans-serif;height:auto;width:100%}.DW9ax7M6{background-color:#737373;color:#fff;display:inline-block;font:600 10px/2.4 Graphik,helvetica,sans-serif;padding:0 16px;text-align:center;text-decoration:none;text-transform:uppercase}.DW9ax7M6.cSw--35G{display:block;font-size:14px;letter-spacing:.5px;line-height:22px;padding-block:5px}@media(max-width:479px){.DW9ax7M6.cSw--35G{font-size:10px;line-height:12px;padding-block:6px}}._8a7iSPDo{color:#737373;text-decoration:none}.FFOvJRdo{color:#333;font-size:14px;font-weight:600;text-decoration:none}.FFOvJRdo:after{content:" "}.DmQKW7uE{display:flex;font-size:12px;font-weight:400;letter-spacing:-.2px;line-height:20px}.DmQKW7uE.SwaCXQmE{font-size:14px;line-height:22px}.DmQKW7uE.kanywv3g{line-height:16px}.DmQKW7uE.NsBT36Vi{align-items:center}._2z0tPpF3{letter-spacing:.5px}.xNbfn2lj{color:#737373}.xNbfn2lj:before{content:" • "}.-I8XOJe5{border-radius:50%;max-width:100%}.R4L7nsau{height:64px;margin-right:12px;width:64px}@media(min-width:768px){.R4L7nsau{height:60px;width:60px}}._0UJIpaf5{display:block;font-family:Graphik,helvetica,sans-serif;font-size:12px;margin:auto 0}.SwaCXQmE .FFOvJRdo,.kanywv3g .FFOvJRdo{color:#737373;font-size:inherit;font-weight:inherit}.Ccg9Ib-7{-webkit-box-orient:vertical;display:-webkit-box;overflow-y:hidden}.ycHdAQ4U{color:#737373;font:400 12px/1.57 Graphik,helvetica,sans-serif;letter-spacing:-.2px}.ksLCb-X-{color:#333}.zQ7ZpTk2{color:#737373;font-size:12px;line-height:16px;margin-bottom:8px}.OyQgndgZ{color:#737373;font:400 12px/18px Graphik,helvetica,sans-serif;text-transform:uppercase;white-space:nowrap}.gkuVSAzN{display:block;margin-bottom:20px;position:relative}.FjN-ZqR8:after{border-bottom:4px solid;bottom:0;content:"";position:absolute;transform:scaleX(0);transform-origin:center;width:100%}.vGtA7AzY{inset:0;overflow:hidden;position:absolute}.CrmgvMR8{background-color:#e3e3e3;display:block;height:100%;-o-object-fit:cover;object-fit:cover;transition:transform 1s ease-out;width:100%}.xcU8b4LR{bottom:16px;color:#fff;font:600 16px/14px Graphik,helvetica,sans-serif;left:24px;letter-spacing:1.6px;position:absolute}.xcU8b4LR svg{height:14px;width:14px}.xcU8b4LR svg path{fill:currentcolor}.iDQC7DQg{bottom:0;left:50%;position:absolute;transform:translate(-50%,50%);z-index:2}._9eR9fSzs{color:#87743d;font:600 12px/16px Graphik,helvetica,sans-serif;letter-spacing:.5px;padding-right:8px}.zEzPL6aA{text-decoration:none}.zEzPL6aA:hover{text-decoration:underline}.zEzPL6aA .Sg20k9pu{margin-left:12px}.zEzPL6aA .Sg20k9pu svg{fill:#333;width:16px}._1-gEWhFG{display:flex;font-family:Merriweather,GeorgiaCustom;font-weight:700;margin:8px 0}.mVUQQj0w{text-align:center}.mVUQQj0w .LTyyq30A,.mVUQQj0w ._1-gEWhFG{justify-content:center}.cwbABRRZ{text-align:left}._9lQDQ-54{font:400 16px/24px Georgia,Cambria,Times New Roman,Times,serif;margin:8px 0}@media(max-width:767px){._9lQDQ-54{font-size:16px;line-height:24px}}.DIrA8igj ._1-gEWhFG{font-size:22px;line-height:32px}@media(max-width:767px){.DIrA8igj ._1-gEWhFG{font-size:20px;line-height:30px}}@media(max-width:479px){.DIrA8igj ._1-gEWhFG{font-size:18px;line-height:26px}}.xIFzjWOx .gkuVSAzN{margin-bottom:16px}.xIFzjWOx ._1-gEWhFG{font-size:18px;line-height:26px;margin-bottom:16px}@media(max-width:767px){.xIFzjWOx ._1-gEWhFG{font-size:14px;line-height:22px}}.xIFzjWOx .xcU8b4LR{bottom:8px;font-size:12px;left:16px}.JWQDhxoz{display:flex}.JWQDhxoz .gkuVSAzN{flex-shrink:0;height:88px;margin-bottom:0;margin-right:16px;width:88px}.JWQDhxoz ._1-gEWhFG{font-size:14px;line-height:22px;margin:0 0 8px}.JWQDhxoz ._9eR9fSzs{display:inline-block;margin-bottom:8px}.JWQDhxoz .xcU8b4LR{bottom:0;font-size:8px;left:2px}.JWQDhxoz .xcU8b4LR svg{width:8px}@media(min-width:768px){.DIrA8igj:hover .zEzPL6aA{text-decoration:underline}.DIrA8igj:hover .FjN-ZqR8:after{transform:scaleX(1);transition:transform .8s ease-in-out .1s}.DIrA8igj:hover ._6pZtXFMS{transform:scale(1.03)}}.wi0roQmW{display:flex}.ZhHMVT9j{height:88px;margin-right:16px;width:88px}.ZAt3VmB7{display:flex;flex-direction:column;font:12px/1.33 Graphik,helvetica,sans-serif;min-height:88px;width:calc(100% - 104px);word-break:break-word}.mqV-AgTK{color:#333;font-weight:600;text-decoration:none}.fNT8Qolf{color:#737373}._8Wp1pHhx{color:#093;margin-bottom:8px}._4nAHeGGm{background-color:var(--background-color);color:inherit;display:flex;flex:1;min-width:-moz-max-content;min-width:max-content}._1Dj82Ru-{max-width:-moz-fit-content;max-width:fit-content;padding:8px}._1Dj82Ru-:hover{background-color:var(--background-color-hover)}._1Dj82Ru-:active{background-color:var(--background-color-active)}.LWABc3Lg{flex-grow:1;gap:8px}.LWABc3Lg,.W8GXPF-Z{display:flex}.X2BBPxjH{height:24px;-o-object-fit:contain;object-fit:contain;width:16px}.zF6q35ZJ{height:40px;width:40px}.b0Fo6UgE{align-self:center;height:20px;width:20px}.c-xeoyd5{display:flex;flex:1;flex-direction:column;font-size:12px;gap:2px}._2G6GMgcY{gap:4px}.CVQOXYrQ{text-decoration:none}.CVQOXYrQ:hover{cursor:pointer;text-decoration:underline;text-decoration-color:var(--text-color-primary)}.dYroCHZK{display:flex;flex-direction:column;gap:2px}._2G6GMgcY .dYroCHZK{flex-direction:row;gap:4px}._7QWNCNBY{color:var(--text-color-primary);font:500 16px/24px Graphik,helvetica,sans-serif}._2G6GMgcY ._7QWNCNBY{font:500 12px/18px Graphik,helvetica,sans-serif}.PE0CwW1X{color:var(--text-color-secondary);font:500 14px/21px Graphik,helvetica,sans-serif;text-transform:uppercase}.NvuTop9A,._2G6GMgcY .PE0CwW1X{font:400 12px/18px Graphik,helvetica,sans-serif}.NvuTop9A{align-items:center;display:flex;flex-direction:row;gap:4px}._1mXsQ1Yt{color:var(--text-color-primary);font-weight:500}._2G6GMgcY ._1mXsQ1Yt{font-weight:400}.MQ8YSO4F{color:#3ed170}._2COw2MPF{color:#ff7a7a}.CB4iRY3-{color:var(--text-color-primary)}.i6-LxkXR{align-self:center;height:48px;width:78px}[data-theme=light]{--background-color:#fcfcfc;--background-color-hover:#f0f0f0;--background-color-active:#e3e3e3;--text-color-primary:#333;--text-color-secondary:#737373}[data-theme=dark]{--background-color-hover:#292929;--background-color-active:#333;--text-color-primary:#fff;--text-color-secondary:#bbb}[data-size=dropdown]{--container-gap-lg:16px;--container-gap-sm:8px;--container-width-lg:194px;--container-width-sm:126px;--wrapper-padding-inline-lg:24px;--wrapper-padding-inline-sm:16px}[data-size=single]{--container-gap-lg:0;--container-gap-sm:0;--container-width-lg:142px;--container-width-sm:87px;--wrapper-padding-inline-lg:24px;--wrapper-padding-inline-sm:24px}.x3HlpnP5{position:relative;text-decoration:none}.iuuU8V0u{background-color:var(--background-color);border-bottom:1px solid var(--background-color-active);color:var(--text-color-primary);display:flex;height:56px;justify-content:center;min-width:var(--container-width-lg);width:-moz-fit-content;width:fit-content}.iuuU8V0u:hover{background-color:var(--background-color-hover);cursor:pointer;text-decoration:underline}@media(max-width:479px){.iuuU8V0u{min-width:var(--container-width-sm)}}.o5C9CMoX{display:block;text-decoration:none}.rvXnh6TK{display:inline}@media(max-width:479px){.rvXnh6TK{display:none}}._0xHjcCD8{display:none;letter-spacing:.5px}@media(max-width:479px){._0xHjcCD8{display:inline}}.QccJ5RMz{align-items:center;display:flex;font:400 14px/21px Graphik,helvetica,sans-serif;justify-content:space-between;padding-block:10px;padding-inline:var(--wrapper-padding-inline-lg);text-decoration:none}.QccJ5RMz:hover{background-color:var(--background-color-hover);cursor:pointer;text-decoration:underline}@media(max-width:479px){.QccJ5RMz{padding-inline:var(--wrapper-padding-inline-sm)}}.HN-8XiOj{background-color:var(--background-color);box-shadow:0 5px 15px 0 #0000001a;color:var(--text-color-primary);display:none;flex-direction:column;padding-block:8px}._0bb2J-vj,.opncDPUQ{display:flex}.opncDPUQ{align-items:center;font:500 14px/21px Graphik,helvetica,sans-serif;gap:var(--container-gap-lg);width:100%}@media(max-width:479px){.opncDPUQ{gap:var(--container-gap-sm)}}.SxhJV1p6{fill:var(--text-color-primary);height:20px;width:20px}.N-Hm7Jj9,.o1H5eJxR{position:relative}.o1H5eJxR{display:block;line-height:0;text-decoration:none}.dHRl90uQ{bottom:0;color:#fff;display:flex;flex-flow:column nowrap;font:600 12px/14px Graphik,helvetica,sans-serif;justify-content:flex-end;opacity:0;overflow-wrap:break-word;padding:6px 2px;position:absolute;right:0;text-align:center;text-overflow:ellipsis;top:0;transition:opacity .2s,visibility .2s;width:100%}.dHRl90uQ:hover{background-color:#0006;opacity:1}@media(max-width:1023px){.dHRl90uQ{font:600 9px/10px Graphik,helvetica,sans-serif}}@media(max-width:767px){.dHRl90uQ{opacity:1;position:relative}.dHRl90uQ:hover{background-color:initial}}.m81467GH{position:relative}.M2m6Q9Tg{height:100%;-o-object-fit:cover;object-fit:cover;position:absolute;width:100%}.rRVpkuJ8{text-decoration:none}.FQvv3MwB{height:0;overflow:hidden;padding-bottom:56.25%;position:relative;width:100%}.FQvv3MwB img{height:100%!important;left:0;-o-object-fit:cover;object-fit:cover;position:absolute;top:0;width:100%}.GPUkvxbr{position:relative}.vSSE7jpl{align-items:flex-end;box-sizing:border-box;display:flex;height:100%;left:0;padding:10px;position:absolute;top:0;width:100%}.XuL8BYZq{color:#333;font:700 14px/24px Merriweather,GeorgiaCustom;margin-top:13px}.JMYkS7MD .XuL8BYZq{-webkit-box-orient:vertical;-webkit-line-clamp:4;display:-webkit-box;overflow:hidden}@media(max-width:479px){.JMYkS7MD{display:flex}.JMYkS7MD .XuL8BYZq{margin-top:0}.JMYkS7MD .GPUkvxbr:before{content:"";display:block;padding-top:56.25%}.JMYkS7MD .FQvv3MwB{height:100%;left:0;padding-bottom:0;position:absolute;top:0}.JMYkS7MD>:first-child{margin-right:10px;width:48.7%}.JMYkS7MD>:nth-child(2){margin-top:0;padding-top:0;width:48.7%}}.sElHJWe4{align-items:center;background-color:#fcfcfc;border-radius:50%;cursor:pointer;display:flex;justify-content:center;padding:8px}.sElHJWe4:hover{background-color:#f0f0f0}.sElHJWe4:active{background-color:#d6d6d6}.sElHJWe4._0YX29K8j{border-radius:16px}.sElHJWe4 svg{fill:#0000000a;stroke:#007ac8;stroke-width:2;height:18px;width:18px}.sElHJWe4.-AgvXsMp svg{fill:#007ac8}.sElHJWe4[disabled]{pointer-events:none}.sElHJWe4[disabled] svg{stroke:#bbb}.sElHJWe4[disabled] span{color:#bbb}.IHojBFcO{color:#007ac8;font:600 12px/16px Graphik,helvetica,sans-serif;margin-left:8px}[data-theme=dark]{--fbs-text-primary:#fff;--fbs-text-secondary:#bbb;--fbs-surface-disabled:unset;--fbs-icons-disabled:#7b7b7b;--fbs-icons-fill:#4285f4;--fill-background-color:unset}[data-theme=light]{--fbs-text-primary:#333;--fbs-text-secondary:#737373;--fbs-surface-disabled:#f0f0f0;--fbs-icons-disabled:#bbb;--fbs-icons-fill:#007ac8}.TNWax51Q{display:flex;flex-direction:column}@media(min-width:768px){.TNWax51Q{flex-direction:row}.TNWax51Q.jiKZAfWh{flex-direction:row-reverse}}.v3-hyP9l{border:unset;margin:0;padding:8px}.v3-hyP9l svg{fill:#007ac8;height:16px;width:16px}.tBA7tnId{display:block;height:100%!important;left:0;-o-object-fit:cover;object-fit:cover;position:absolute;top:0;width:100%}.FM7mkIfP{bottom:8px;color:#fff;font:600 12px/14px Graphik,helvetica,sans-serif;left:16px;letter-spacing:1.6px;position:absolute}.FM7mkIfP svg{height:14px;width:14px}.FM7mkIfP svg path{fill:currentcolor}.Gv-TaI9Y{margin-bottom:16px;overflow:hidden;position:relative}.Gv-TaI9Y:before{content:"";display:block;padding-bottom:56.25%;width:100%}@media(min-width:768px){.Gv-TaI9Y{flex:0 0 314px;height:177px;margin-bottom:0}.Gv-TaI9Y._6jm-b2Z2{margin-right:24px}.Gv-TaI9Y.MpVEkd-F{margin-left:24px}}.WjVFB823{width:100%}.IE8ecQMQ{display:flex;flex-wrap:wrap;line-height:16px;margin-bottom:8px}.FtvOlK5e{margin-right:10px}.HNChVRGc,._5v7prWgS{margin:0;padding:0}.dmErtkVL{color:#87743d;font:600 12px/16px Graphik,helvetica,sans-serif;letter-spacing:.5px}.HNChVRGc{display:flex;font:700 18px/1.44 Merriweather,GeorgiaCustom}.HNChVRGc .gQ4lGTFL{margin-left:12px}.HNChVRGc .gQ4lGTFL svg{fill:#333;width:16px}@media(max-width:479px){.HNChVRGc{font-size:14px}}._1-FLFW4R{color:inherit;text-decoration:none}._1-FLFW4R:hover{text-decoration:underline}._5v7prWgS{font:14px/1.5 Georgia,Cambria,Times New Roman,Times,serif;margin:8px 0}@media(min-width:1024px){._5v7prWgS{font-size:16px}}.jMF46RP6{color:#737373;font:400 12px/1.57 Graphik,helvetica,sans-serif;white-space:nowrap}.bhfEvK3b,.jMF46RP6{letter-spacing:-.2px}.bhfEvK3b{color:#333;font:12px/16px Graphik,helvetica,sans-serif;text-transform:uppercase}.eyeF148z{align-items:center;color:#737373;font:400 12px/1.57 Graphik,helvetica,sans-serif}.eyeF148z:before{content:" • "}.T3-IGTjJ .Gv-TaI9Y,.T3-IGTjJ .HNChVRGc,.T3-IGTjJ ._0AGvFFWM,.T3-IGTjJ ._5v7prWgS{color:#333;margin:0 0 16px}.T3-IGTjJ .NQX0jJYe svg{height:16px;width:16px}.T3-IGTjJ .HNChVRGc{font:700 14px/1.44 Merriweather,GeorgiaCustom}@media(min-width:1024px){.T3-IGTjJ .HNChVRGc{font-size:18px}}.T3-IGTjJ ._5v7prWgS{display:none}@media(min-width:1024px){.T3-IGTjJ ._5v7prWgS{display:block}}@media(min-width:768px){.T3-IGTjJ .Gv-TaI9Y{flex:0 0 160px;height:90px}.T3-IGTjJ .Gv-TaI9Y._6jm-b2Z2{margin-right:40px}.T3-IGTjJ .Gv-TaI9Y.MpVEkd-F{margin-left:40px}}@media(min-width:1024px){.T3-IGTjJ .Gv-TaI9Y{flex:0 0 240px;height:135px}}.HB-DA-4n{align-items:center;color:#093;display:flex;font:400 12px/16px Graphik,helvetica,sans-serif;font-style:normal;gap:4px;letter-spacing:.5px}._85Dxl3kp{fill:currentcolor;height:16px;width:16px}.klKBDGvF{align-items:center;display:flex;gap:8px}.a8Pwk1Mx{height:16px;margin:8px}.tmnT6jJ5{text-decoration:none}.gVIGn065{align-items:center;color:#737373;display:flex;font:400 10px/12px Graphik,helvetica,sans-serif;gap:8px;letter-spacing:-.2px;width:-moz-fit-content;width:fit-content}.gVIGn065 .-oLipYMX{fill:currentcolor;height:16px;width:16px}.VtCVQQB1 ._1-FLFW4R{color:var(--fbs-text-primary);font:500 18px/27px Graphik,helvetica,sans-serif}.VtCVQQB1 ._0AGvFFWM{margin-bottom:8px}.VtCVQQB1 .HB-DA-4n,.VtCVQQB1 .dmErtkVL,.VtCVQQB1 .jMF46RP6{color:var(--fbs-text-secondary);font:400 12px/18px Graphik,helvetica,sans-serif}.VtCVQQB1 ._5v7prWgS{color:var(--fbs-text-primary);font:400 14px/22px Georgia,Cambria,Times New Roman,Times,serif}.VtCVQQB1 .klKBDGvF{gap:4px}.VtCVQQB1 .a8Pwk1Mx{height:100%;margin:0}.VtCVQQB1 .gVIGn065,.VtCVQQB1 .v3-hyP9l{fill:var(--fbs-icons-fill);border-radius:16px;color:var(--fbs-icons-fill)}.VtCVQQB1 .gVIGn065 svg,.VtCVQQB1 .v3-hyP9l svg{fill:var(--fbs-icons-fill)}.VtCVQQB1 .NQX0jJYe,.VtCVQQB1 .gVIGn065,.VtCVQQB1 .v3-hyP9l{background-color:var(--fill-background-color);padding:8px}.VtCVQQB1 .NQX0jJYe:hover,.VtCVQQB1 .gVIGn065:hover,.VtCVQQB1 .v3-hyP9l:hover{background-color:var(--hover-fill-background-color)}.VtCVQQB1 .NQX0jJYe:active,.VtCVQQB1 .gVIGn065:active,.VtCVQQB1 .v3-hyP9l:active{background-color:var(--active-fill-background-color)}.VtCVQQB1 .NQX0jJYe:disabled,.VtCVQQB1 .gVIGn065:disabled,.VtCVQQB1 .v3-hyP9l:disabled{background-color:var(--fbs-surface-disabled)}.VtCVQQB1 .NQX0jJYe:disabled svg,.VtCVQQB1 .gVIGn065:disabled svg,.VtCVQQB1 .v3-hyP9l:disabled svg{stroke:var(--fbs-icons-disabled)}.LdLz-XDi{color:var(--text-color);font:12px/1.33 Graphik,helvetica,sans-serif;margin:8px 0;white-space:normal}.R58UzXKP{border-left:1px solid var(--text-color);border-right:1px solid var(--text-color);padding:0 5px}.R58UzXKP:first-child{border:none;padding-left:0}.R58UzXKP:last-child{border:none;padding-right:0}@media(min-width:1024px){.YJX8e-9I{color:#fff}.YJX8e-9I .R58UzXKP{border-color:#fff}}.fXFABCrK{color:var(--text-color)}.PuuiGTU2,._40tm19AF{color:inherit;font:700 18px/1.45 Merriweather,GeorgiaCustom;margin:0;overflow-wrap:break-word;text-decoration:none;white-space:break-spaces}._17CEagBE{font:14px/1.57 Graphik,helvetica,sans-serif;margin:8px 0}@media(min-width:1024px){.r0PaZUbH{color:#fff}}.LMLOR2AB{position:relative}@media(min-width:1024px){.LMLOR2AB{height:100%}}.iOZ8d2kS{height:100%!important;inset:0;-o-object-fit:cover;object-fit:cover;position:absolute;width:100%}.jTM9-Zbb{background-color:var(--background-color);color:var(--text-color);padding-top:16px}.Xz7-Ssh2{margin-top:24px;position:relative}@media(min-width:1024px){.Xz7-Ssh2{bottom:0;left:0;margin-top:0;position:absolute;width:53%;z-index:1}}.i743TfpH{background-color:var(--background-color);color:var(--text-color);overflow-wrap:break-word;white-space:break-spaces}@media(min-width:1024px){.Y2oZ-o7F{background-color:hsla(0,0%,9%,.902);color:#fff;padding:32px}}.J3XwrMOC{font:600 12px/16px Graphik,helvetica,sans-serif;margin-bottom:8px}@media(min-width:1024px){.LeglfymE a{color:#fff}}._8RHTB8RK{position:relative}._8RHTB8RK:before{content:"";display:block;padding-top:56.25%;width:100%}.EBhRRx0G{pointer-events:none}@media(min-width:768px){.EBhRRx0G{height:100%}.EBhRRx0G:after{background:#18171666;content:"";height:100%;inset:0;position:absolute;width:100%}}@font-face{font-family:swiper-icons;font-style:normal;font-weight:400;src:url("data:application/font-woff;charset=utf-8;base64, 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")}:root{--swiper-theme-color:#007aff}.swiper{list-style:none;margin-left:auto;margin-right:auto;overflow:hidden;padding:0;position:relative;z-index:1}.swiper-vertical>.swiper-wrapper{flex-direction:column}.swiper-wrapper{box-sizing:initial;display:flex;height:100%;position:relative;transition-property:transform;width:100%;z-index:1}.swiper-android .swiper-slide,.swiper-wrapper{transform:translateZ(0)}.swiper-pointer-events{touch-action:pan-y}.swiper-pointer-events.swiper-vertical{touch-action:pan-x}.swiper-slide{flex-shrink:0;height:100%;position:relative;transition-property:transform;width:100%}.swiper-slide-invisible-blank{visibility:hidden}.swiper-autoheight,.swiper-autoheight .swiper-slide{height:auto}.swiper-autoheight .swiper-wrapper{align-items:flex-start;transition-property:transform,height}.swiper-backface-hidden .swiper-slide{backface-visibility:hidden;transform:translateZ(0)}.swiper-3d,.swiper-3d.swiper-css-mode .swiper-wrapper{perspective:1200px}.swiper-3d .swiper-cube-shadow,.swiper-3d .swiper-slide,.swiper-3d .swiper-slide-shadow,.swiper-3d .swiper-slide-shadow-bottom,.swiper-3d .swiper-slide-shadow-left,.swiper-3d .swiper-slide-shadow-right,.swiper-3d .swiper-slide-shadow-top,.swiper-3d .swiper-wrapper{transform-style:preserve-3d}.swiper-3d .swiper-slide-shadow,.swiper-3d .swiper-slide-shadow-bottom,.swiper-3d .swiper-slide-shadow-left,.swiper-3d .swiper-slide-shadow-right,.swiper-3d .swiper-slide-shadow-top{height:100%;left:0;pointer-events:none;position:absolute;top:0;width:100%;z-index:10}.swiper-3d .swiper-slide-shadow{background:#00000026}.swiper-3d .swiper-slide-shadow-left{background-image:linear-gradient(270deg,#00000080,#0000)}.swiper-3d .swiper-slide-shadow-right{background-image:linear-gradient(90deg,#00000080,#0000)}.swiper-3d .swiper-slide-shadow-top{background-image:linear-gradient(0deg,#00000080,#0000)}.swiper-3d .swiper-slide-shadow-bottom{background-image:linear-gradient(180deg,#00000080,#0000)}.swiper-css-mode>.swiper-wrapper{-ms-overflow-style:none;overflow:auto;scrollbar-width:none}.swiper-css-mode>.swiper-wrapper::-webkit-scrollbar{display:none}.swiper-css-mode>.swiper-wrapper>.swiper-slide{scroll-snap-align:start start}.swiper-horizontal.swiper-css-mode>.swiper-wrapper{scroll-snap-type:x mandatory}.swiper-vertical.swiper-css-mode>.swiper-wrapper{scroll-snap-type:y mandatory}.swiper-centered>.swiper-wrapper:before{content:"";flex-shrink:0;order:9999}.swiper-centered.swiper-horizontal>.swiper-wrapper>.swiper-slide:first-child{margin-inline-start:var(--swiper-centered-offset-before)}.swiper-centered.swiper-horizontal>.swiper-wrapper:before{height:100%;min-height:1px;width:var(--swiper-centered-offset-after)}.swiper-centered.swiper-vertical>.swiper-wrapper>.swiper-slide:first-child{margin-block-start:var(--swiper-centered-offset-before)}.swiper-centered.swiper-vertical>.swiper-wrapper:before{height:var(--swiper-centered-offset-after);min-width:1px;width:100%}.swiper-centered>.swiper-wrapper>.swiper-slide{scroll-snap-align:center center;scroll-snap-stop:always}.swiper-virtual .swiper-slide{-webkit-backface-visibility:hidden;transform:translateZ(0)}.swiper-virtual.swiper-css-mode .swiper-wrapper:after{content:"";left:0;pointer-events:none;position:absolute;top:0}.swiper-virtual.swiper-css-mode.swiper-horizontal .swiper-wrapper:after{height:1px;width:var(--swiper-virtual-size)}.swiper-virtual.swiper-css-mode.swiper-vertical .swiper-wrapper:after{height:var(--swiper-virtual-size);width:1px}:root{--swiper-navigation-size:44px}.swiper-button-next,.swiper-button-prev{align-items:center;color:var(--swiper-navigation-color,var(--swiper-theme-color));cursor:pointer;display:flex;height:var(--swiper-navigation-size);justify-content:center;margin-top:calc(0px - var(--swiper-navigation-size)/2);position:absolute;top:50%;width:calc(var(--swiper-navigation-size)/44*27);z-index:10}.swiper-button-next.swiper-button-disabled,.swiper-button-prev.swiper-button-disabled{cursor:auto;opacity:.35;pointer-events:none}.swiper-button-next.swiper-button-hidden,.swiper-button-prev.swiper-button-hidden{cursor:auto;opacity:0;pointer-events:none}.swiper-navigation-disabled .swiper-button-next,.swiper-navigation-disabled .swiper-button-prev{display:none!important}.swiper-button-next:after,.swiper-button-prev:after{font-family:swiper-icons;font-size:var(--swiper-navigation-size);font-variant:normal;letter-spacing:0;line-height:1;text-transform:none!important}.swiper-button-prev,.swiper-rtl .swiper-button-next{left:10px;right:auto}.swiper-button-prev:after,.swiper-rtl .swiper-button-next:after{content:"prev"}.swiper-button-next,.swiper-rtl .swiper-button-prev{left:auto;right:10px}.swiper-button-next:after,.swiper-rtl .swiper-button-prev:after{content:"next"}.swiper-button-lock{display:none}.swiper-pagination{position:absolute;text-align:center;transform:translateZ(0);transition:opacity .3s;z-index:10}.swiper-pagination.swiper-pagination-hidden{opacity:0}.swiper-pagination-disabled>.swiper-pagination,.swiper-pagination.swiper-pagination-disabled{display:none!important}.swiper-horizontal>.swiper-pagination-bullets,.swiper-pagination-bullets.swiper-pagination-horizontal,.swiper-pagination-custom,.swiper-pagination-fraction{bottom:10px;left:0;width:100%}.swiper-pagination-bullets-dynamic{font-size:0;overflow:hidden}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet{position:relative;transform:scale(.33)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active,.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-main{transform:scale(1)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-prev{transform:scale(.66)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-prev-prev{transform:scale(.33)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-next{transform:scale(.66)}.swiper-pagination-bullets-dynamic .swiper-pagination-bullet-active-next-next{transform:scale(.33)}.swiper-pagination-bullet{background:var(--swiper-pagination-bullet-inactive-color,#000);border-radius:50%;display:inline-block;height:var(--swiper-pagination-bullet-height,var(--swiper-pagination-bullet-size,8px));opacity:var(--swiper-pagination-bullet-inactive-opacity,.2);width:var(--swiper-pagination-bullet-width,var(--swiper-pagination-bullet-size,8px))}button.swiper-pagination-bullet{-webkit-appearance:none;-moz-appearance:none;appearance:none;border:none;box-shadow:none;margin:0;padding:0}.swiper-pagination-clickable .swiper-pagination-bullet{cursor:pointer}.swiper-pagination-bullet:only-child{display:none!important}.swiper-pagination-bullet-active{background:var(--swiper-pagination-color,var(--swiper-theme-color));opacity:var(--swiper-pagination-bullet-opacity,1)}.swiper-pagination-vertical.swiper-pagination-bullets,.swiper-vertical>.swiper-pagination-bullets{right:10px;top:50%;transform:translate3d(0,-50%,0)}.swiper-pagination-vertical.swiper-pagination-bullets .swiper-pagination-bullet,.swiper-vertical>.swiper-pagination-bullets .swiper-pagination-bullet{display:block;margin:var(--swiper-pagination-bullet-vertical-gap,6px) 0}.swiper-pagination-vertical.swiper-pagination-bullets.swiper-pagination-bullets-dynamic,.swiper-vertical>.swiper-pagination-bullets.swiper-pagination-bullets-dynamic{top:50%;transform:translateY(-50%);width:8px}.swiper-pagination-vertical.swiper-pagination-bullets.swiper-pagination-bullets-dynamic .swiper-pagination-bullet,.swiper-vertical>.swiper-pagination-bullets.swiper-pagination-bullets-dynamic .swiper-pagination-bullet{display:inline-block;transition:transform .2s,top .2s}.swiper-horizontal>.swiper-pagination-bullets .swiper-pagination-bullet,.swiper-pagination-horizontal.swiper-pagination-bullets .swiper-pagination-bullet{margin:0 var(--swiper-pagination-bullet-horizontal-gap,4px)}.swiper-horizontal>.swiper-pagination-bullets.swiper-pagination-bullets-dynamic,.swiper-pagination-horizontal.swiper-pagination-bullets.swiper-pagination-bullets-dynamic{left:50%;transform:translateX(-50%);white-space:nowrap}.swiper-horizontal>.swiper-pagination-bullets.swiper-pagination-bullets-dynamic .swiper-pagination-bullet,.swiper-pagination-horizontal.swiper-pagination-bullets.swiper-pagination-bullets-dynamic .swiper-pagination-bullet{transition:transform .2s,left .2s}.swiper-horizontal.swiper-rtl>.swiper-pagination-bullets-dynamic .swiper-pagination-bullet{transition:transform .2s,right .2s}.swiper-pagination-progressbar{background:#00000040;position:absolute}.swiper-pagination-progressbar .swiper-pagination-progressbar-fill{background:var(--swiper-pagination-color,var(--swiper-theme-color));height:100%;left:0;position:absolute;top:0;transform:scale(0);transform-origin:left top;width:100%}.swiper-rtl .swiper-pagination-progressbar .swiper-pagination-progressbar-fill{transform-origin:right top}.swiper-horizontal>.swiper-pagination-progressbar,.swiper-pagination-progressbar.swiper-pagination-horizontal,.swiper-pagination-progressbar.swiper-pagination-vertical.swiper-pagination-progressbar-opposite,.swiper-vertical>.swiper-pagination-progressbar.swiper-pagination-progressbar-opposite{height:4px;left:0;top:0;width:100%}.swiper-horizontal>.swiper-pagination-progressbar.swiper-pagination-progressbar-opposite,.swiper-pagination-progressbar.swiper-pagination-horizontal.swiper-pagination-progressbar-opposite,.swiper-pagination-progressbar.swiper-pagination-vertical,.swiper-vertical>.swiper-pagination-progressbar{height:100%;left:0;top:0;width:4px}.swiper-pagination-lock{display:none}.swiper-scrollbar{background:#0000001a;border-radius:10px;position:relative;-ms-touch-action:none}.swiper-scrollbar-disabled>.swiper-scrollbar,.swiper-scrollbar.swiper-scrollbar-disabled{display:none!important}.swiper-horizontal>.swiper-scrollbar,.swiper-scrollbar.swiper-scrollbar-horizontal{bottom:3px;height:5px;left:1%;position:absolute;width:98%;z-index:50}.swiper-scrollbar.swiper-scrollbar-vertical,.swiper-vertical>.swiper-scrollbar{height:98%;position:absolute;right:3px;top:1%;width:5px;z-index:50}.swiper-scrollbar-drag{background:#00000080;border-radius:10px;height:100%;left:0;position:relative;top:0;width:100%}.swiper-scrollbar-cursor-drag{cursor:move}.swiper-scrollbar-lock{display:none}.swiper-zoom-container{align-items:center;display:flex;height:100%;justify-content:center;text-align:center;width:100%}.swiper-zoom-container>canvas,.swiper-zoom-container>img,.swiper-zoom-container>svg{max-height:100%;max-width:100%;-o-object-fit:contain;object-fit:contain}.swiper-slide-zoomed{cursor:move}.swiper-lazy-preloader{border:4px solid var(--swiper-preloader-color,var(--swiper-theme-color));border-radius:50%;border-top:4px solid #0000;box-sizing:border-box;height:42px;left:50%;margin-left:-21px;margin-top:-21px;position:absolute;top:50%;transform-origin:50%;width:42px;z-index:10}.swiper-watch-progress .swiper-slide-visible .swiper-lazy-preloader,.swiper:not(.swiper-watch-progress) .swiper-lazy-preloader{animation:swiper-preloader-spin 1s linear infinite}.swiper-lazy-preloader-white{--swiper-preloader-color:#fff}.swiper-lazy-preloader-black{--swiper-preloader-color:#000}@keyframes TX0-ctJF{0%{transform:rotate(0deg)}to{transform:rotate(1turn)}}.swiper .swiper-notification{left:0;opacity:0;pointer-events:none;position:absolute;top:0;z-index:-1000}.swiper-free-mode>.swiper-wrapper{margin:0 auto;transition-timing-function:ease-out}.swiper-grid>.swiper-wrapper{flex-wrap:wrap}.swiper-grid-column>.swiper-wrapper{flex-direction:column;flex-wrap:wrap}.swiper-fade.swiper-free-mode .swiper-slide{transition-timing-function:ease-out}.swiper-fade .swiper-slide{pointer-events:none;transition-property:opacity}.swiper-fade .swiper-slide .swiper-slide{pointer-events:none}.swiper-fade .swiper-slide-active,.swiper-fade .swiper-slide-active .swiper-slide-active{pointer-events:auto}.swiper-cube{overflow:visible}.swiper-cube .swiper-slide{backface-visibility:hidden;height:100%;pointer-events:none;transform-origin:0 0;visibility:hidden;width:100%;z-index:1}.swiper-cube .swiper-slide .swiper-slide{pointer-events:none}.swiper-cube.swiper-rtl .swiper-slide{transform-origin:100% 0}.swiper-cube .swiper-slide-active,.swiper-cube .swiper-slide-active .swiper-slide-active{pointer-events:auto}.swiper-cube .swiper-slide-active,.swiper-cube .swiper-slide-next,.swiper-cube .swiper-slide-next+.swiper-slide,.swiper-cube .swiper-slide-prev{pointer-events:auto;visibility:visible}.swiper-cube .swiper-slide-shadow-bottom,.swiper-cube .swiper-slide-shadow-left,.swiper-cube .swiper-slide-shadow-right,.swiper-cube .swiper-slide-shadow-top{backface-visibility:hidden;z-index:0}.swiper-cube .swiper-cube-shadow{bottom:0;height:100%;left:0;opacity:.6;position:absolute;width:100%;z-index:0}.swiper-cube .swiper-cube-shadow:before{background:#000;bottom:0;content:"";filter:blur(50px);left:0;position:absolute;right:0;top:0}.swiper-flip{overflow:visible}.swiper-flip .swiper-slide{backface-visibility:hidden;pointer-events:none;z-index:1}.swiper-flip .swiper-slide .swiper-slide{pointer-events:none}.swiper-flip .swiper-slide-active,.swiper-flip .swiper-slide-active .swiper-slide-active{pointer-events:auto}.swiper-flip .swiper-slide-shadow-bottom,.swiper-flip .swiper-slide-shadow-left,.swiper-flip .swiper-slide-shadow-right,.swiper-flip .swiper-slide-shadow-top{backface-visibility:hidden;z-index:0}.swiper-creative .swiper-slide{backface-visibility:hidden;overflow:hidden;transition-property:transform,opacity,height}.swiper-cards{overflow:visible}.swiper-cards .swiper-slide{backface-visibility:hidden;overflow:hidden;transform-origin:center bottom}.voMge9br{display:flex;position:relative}@media(max-width:767px){.voMge9br{flex-wrap:wrap}}._9VVNs0BB{align-self:center}.qgFn6u-q{margin:auto 16px auto auto;order:1}@media(max-width:767px){.qgFn6u-q{order:2}}.BQQd8g4A{margin:auto auto auto 16px;order:3}.Wich2Jyw{order:2;width:100%}@media(max-width:767px){.Wich2Jyw{order:1}.Wich2Jyw.mNLBF-bv{margin-bottom:16px}}.QPxhP0hs{display:block;height:100%;width:100%}.wKMckZhE{transition:none!important}.XWIoBJcs{background-color:#e3e3e3;border-radius:50%;cursor:pointer;display:inline-block;height:8px;width:8px}.E7MrQ8Y3{background-color:#737373}._-7DhN-cb{bottom:-24px;display:flex;gap:8px;left:50%;position:absolute;transform:translateX(-50%);z-index:2}[data-theme=light]{--chart-title-color:#000;--chart-sub-title-color:#737373}[data-theme=dark]{--chart-title-color:#fff;--chart-sub-title-color:#bbb}.e9tGdHrB{display:flex;flex:0 0 45%;flex-direction:column;justify-content:center;position:relative;text-align:center;width:100%}@media(min-width:768px){.e9tGdHrB{justify-content:center;max-width:100%}}.nqTVe5ik{color:var(--chart-title-color);font:600 16px/21px Graphik,helvetica,sans-serif;text-transform:capitalize}@media(min-width:768px){.nqTVe5ik{font-size:14px}}._0M1UCVvw{text-align:left}._--3Urpni{text-align:right}.bKDPLjTI{color:var(--chart-sub-title-color);font:normal 10px/12px Graphik,helvetica,sans-serif;letter-spacing:-.2px;margin-bottom:24px;text-transform:uppercase}@media(min-width:768px){.bKDPLjTI{font-size:12px;line-height:16px;margin-bottom:0}}.JAMBzNWI{color:#333}.TjfwPWYw{display:flex}@media(max-width:479px){.TjfwPWYw{align-items:center;flex-direction:column}}@media(min-width:480px){.DAvFDE4Z{margin-left:16px}}@media(max-width:479px){.DAvFDE4Z{text-align:center}}.GnThUsge{align-items:center;display:flex;margin-top:8px}.GnThUsge button{background:none;border:none;cursor:pointer;outline:none;padding:0}@media(max-width:479px){.GnThUsge{justify-content:center;margin-top:4px}}.pd8dbUQt{align-self:flex-start;height:48px!important;width:48px}@media(max-width:479px){.pd8dbUQt{align-self:center;height:80px!important;margin:0 0 16px;width:80px}}.s-7hm3nJ{font:700 32px/40px SchnyderSBold,serif;letter-spacing:-.1px}@media(max-width:479px){.s-7hm3nJ{font-size:24px;line-height:28px}}.lJhP1mMW{color:#737373}@media(min-width:480px){.lJhP1mMW{display:block}}.tXiRLgLW{font:18px/24px Graphik,helvetica,sans-serif;letter-spacing:-.2px;margin:0 10px 0 0;text-transform:uppercase}._7mgWRihE{position:absolute}.ZwVm05m9{text-transform:none}.Nln45Bq3{border:1px solid #e3e3e3;border-radius:4px;padding:24px;row-gap:24px}.Nln45Bq3,.XWS5E7rk{display:flex;flex-direction:column}.XWS5E7rk{row-gap:16px}.IBg0MvXK{aspect-ratio:16/9;border-radius:2px;-o-object-fit:none;object-fit:none}.EOY1muW8{-webkit-line-clamp:1;font:500 18px/27px Graphik,helvetica,sans-serif}.EOY1muW8,.ra73AreH{-webkit-box-orient:vertical;display:-webkit-box;overflow:hidden}.ra73AreH{-webkit-line-clamp:3;font:400 14px/21px Graphik,helvetica,sans-serif;min-height:63px}.BP4ZoOOM{font:500 14px/21px Graphik,helvetica,sans-serif;padding:10px 32px}.RR6Pnckw{font:normal 12px/16px Graphik,helvetica,sans-serif;letter-spacing:-.2px;margin:0 auto}.RR6Pnckw,.RR6Pnckw a{text-decoration:none}.vYuMgh28{color:#333}._616lqWGK{color:#fff}.AUuWDFZf,.zLMhLHu2{display:flex}.zLMhLHu2{align-items:center;color:#737373;cursor:pointer;font:400 16px/28px Graphik,helvetica,sans-serif;letter-spacing:-.4px;padding:0 12px;position:relative;white-space:nowrap}@media(max-width:767px){.zLMhLHu2{padding-left:0}}@media(max-width:479px){.zLMhLHu2{font-size:12px;line-height:normal;padding-right:10px}}.OKM1AhuU{height:11px;margin-left:4px;transition:transform .3s ease;width:11px}.OKM1AhuU.lrPmz-Qv{transform:rotate(180deg)}.OKM1AhuU svg{fill:currentcolor;display:block}.HMCqDUHs{background-color:#fff;border:1px solid #e2e2e2;color:#333;font:16px/16px Graphik,helvetica,sans-serif;margin-left:-12px;position:absolute;top:calc(100% + 18px);width:100%;z-index:2}.HMCqDUHs.K9mjYxSr{display:none}@media(max-width:767px){.HMCqDUHs{margin-left:0;top:calc(100% + 8px)}}.L-J9Rf6v{border-bottom:1px solid #e2e2e2;cursor:pointer;padding:7px 12px 8px}@media(max-width:479px){.L-J9Rf6v{font-size:12px;line-height:normal}}.L-J9Rf6v:last-child{border:none}.L-J9Rf6v.pY61vNk-{font-weight:600}.lG2snZU6{background:#fcfcfc;border:1px solid #e3e3e3;padding:16px;-webkit-user-select:none;-moz-user-select:none;user-select:none}.gPHRZTbV{display:flex;font:500 14px/21px Graphik,helvetica,sans-serif;gap:4px}@media(max-width:767px){.gPHRZTbV{font-size:12px;line-height:18px}}.CC6nG3Od{-moz-column-gap:8px;column-gap:8px;margin-bottom:16px}.CC6nG3Od,.gAw65-ci{align-items:center;display:flex;justify-content:space-between;width:100%}.gAw65-ci{flex-direction:row-reverse}@media(max-width:767px){.gAw65-ci{align-items:flex-start;flex-direction:column-reverse;row-gap:8px}}._4DkCP9dk{font:500 16px/24px Graphik,helvetica,sans-serif;text-transform:uppercase}.hy7tNOxV{cursor:pointer;height:20px;width:20px}.hy7tNOxV._6H57GAVY{transform:rotate(180deg)}.A1Ci9N-G{border-top:1px solid #e3e3e3;font:400 17px/27.2px Georgia,Cambria,Times New Roman,Times,serif;padding-top:16px}.A1Ci9N-G a{color:#003891;text-decoration:underline}._7YPHKNS8{display:none}.sPd8h2Kb{margin-bottom:0}.SNx9dcCw{text-decoration:none}.SNx9dcCw:hover{text-decoration:underline}.oMH8tmmw{display:flex;position:relative}._9VzyBvkz{font-family:Graphik,helvetica,sans-serif;letter-spacing:-.2px}.VZPTdwEW{color:#333;font:600 12px/1.33 Graphik,helvetica,sans-serif;margin:4px 0 2px}.PzhK9rbz,.n5UObrao{color:#737373;font-size:10px;line-height:1.2}@media(min-width:768px){.n5UObrao:hover .NmfoLucl{display:block}}.NmfoLucl{background-color:#fff;box-shadow:0 5px 15px 0 #1817161a;color:#737373;display:none;font:10px/12px Graphik,helvetica,sans-serif;left:50px;max-width:298px;padding:8px 10px;position:absolute;top:10px;transform:translateY(-50%)}.PzhK9rbz{margin-bottom:8px}.rjrpmqnq{color:#737373;font-size:10px;text-decoration:underline}.nyJLVyDS{font:700 32px/1.13 SchnyderSBold,serif;margin-bottom:1px;margin-right:19px}.Og380H-J{align-items:baseline;display:flex;font:14px/1.57 Graphik,helvetica,sans-serif;margin-right:16px}.Og380H-J:before{border-color:#0000;border-style:solid;content:"";margin:7px 4px}.d3-y-V6r:before{border-bottom-color:#093;border-width:0 8px 10px}.CSiUOcaP:before{border-top-color:#dd4048;border-width:10px 8px 0}.SwHG6sB2{align-items:center;background-color:#fcfcfc;border-radius:50%;cursor:pointer;display:flex;justify-content:center;margin-right:8px}.SwHG6sB2:hover{background-color:#f0f0f0}.SwHG6sB2:active{background-color:#d6d6d6}.SwHG6sB2 svg{fill:#0000000a;stroke:#007ac8;height:18px;width:18px}.SwHG6sB2._3azkPcHz svg{fill:#007ac8}.SwHG6sB2[disabled]{pointer-events:none}.SwHG6sB2[disabled] svg{stroke:#bbb}.SwHG6sB2[disabled] span{color:#bbb}.smP7p--o{background:#f0f0f0;color:#333;min-height:200px;padding:0 32px}@media(min-width:480px){.smP7p--o{padding:0}}.BawX4lOf{padding-bottom:120px}._1FviBxkI{padding-top:26px}.RS-LXz9z,._1FviBxkI{align-items:center;display:flex;flex-direction:column}.RS-LXz9z{border-bottom:1px solid #e3e3e3;padding-bottom:12px;width:100%}.Shi6M7tj{height:33px;margin-bottom:16px}.Shi6M7tj svg{fill:#181716;width:120px}.QUZBXqTw{font:10px Graphik,helvetica,sans-serif;text-align:center}.V2fcZocW{align-items:center;display:flex;flex-direction:column;font:14px Graphik,helvetica,sans-serif;list-style:none;margin:0;padding:16px;text-align:center}@media(min-width:480px){.V2fcZocW{display:block;padding:16px 32px}}.v0KZSSFF,.wYCSe4n6{padding:10px 0}@media(min-width:480px){.v0KZSSFF,.wYCSe4n6{padding:0 5px}}.v0KZSSFF{color:#333;text-decoration:none}.wYCSe4n6{display:inline-block;margin:0}.aNtlYGlE{all:unset;border-radius:1px;color:#333;font-stretch:normal;letter-spacing:-.2px;padding:0 16px;width:100%}.aNtlYGlE:disabled{color:#bbb;cursor:default;pointer-events:none}.aNtlYGlE::-webkit-inner-spin-button,.aNtlYGlE::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}.aNtlYGlE[type=number]{-moz-appearance:textfield}.oDxwltVz{color:#333;font:600 12px/1.33 Graphik,helvetica,sans-serif;height:16px;letter-spacing:.5px;text-transform:uppercase}.aa35tOYr{color:#737373;font:12px/1.33 Graphik,helvetica,sans-serif;height:16px;letter-spacing:-.2px}.aa35tOYr.iFQAuWVu{color:#f4121e}.kGdzxd0-{padding-top:8px}._5pAUIfI-{border:1px solid #737373;border-radius:1px;display:flex;position:relative}._5pAUIfI-:focus{box-shadow:0 0 0 1px #fff,0 0 0 3px #4fb4ff}._5pAUIfI-:has(input[disabled]){background:#f0f0f0;border:1px solid #e3e3e3}._5pAUIfI-:has(input[disabled]) .qV-eDw2j{border-right:1px solid #e3e3e3}._5pAUIfI-.iFQAuWVu{border:1px solid #f4121e}.qV-eDw2j{align-items:center;border-right:1px solid #737373;display:flex;min-width:-moz-fit-content;min-width:fit-content;padding:0 12px}.qV-eDw2j img,.qV-eDw2j svg{border-radius:50%;color:#333;height:24px;width:24px}.V6xL1pBJ{color:#333;font:14px/1.57 Graphik,helvetica,sans-serif;margin-inline:12px}.b4--coMo{padding-bottom:8px}.HcT9Bt3c{background-color:#fff;display:inline-flex;font-family:Graphik,helvetica,sans-serif;font-weight:600;inset-block:0;position:absolute;right:16px}.-DJWio6s{font:12px/1.57 Graphik,helvetica,sans-serif;height:34px}.-DJWio6s .HcT9Bt3c{font-size:10px;line-height:15px}.QLKjHDty{font:14px/1.57 Graphik,helvetica,sans-serif;height:42px}.QLKjHDty .HcT9Bt3c{font-size:12px;line-height:18px}._4BNWTi0s{font:16px/1.57 Graphik,helvetica,sans-serif;height:50px}._4BNWTi0s .HcT9Bt3c{font-size:14px;line-height:21px}@media(max-width:479px){html.noScroll{overflow:hidden!important}}html.noScroll body{overflow:hidden!important}@media(max-width:479px){html.noScroll body{overflow:visible!important}}._5jL4nbZg{align-items:center;background-color:#171717;color:#171717;display:flex;flex-flow:row nowrap;height:56px;justify-content:space-between;position:relative;width:100%}@media(max-width:1023px){._5jL4nbZg{border-bottom:1px inset #333}}@media(min-width:1024px){._5jL4nbZg:after{content:" ";display:block;height:2px;left:0;position:absolute;right:0;top:56px}}.LE8pB25c{display:none}@media(min-width:1024px){.LE8pB25c{display:block}}.ABr9cx9r,.nKfcv-Ux,.wOXWlwEZ{display:flex;flex-flow:column wrap;justify-content:center}.nKfcv-Ux{align-items:flex-start;flex-flow:row}.ABr9cx9r{align-items:center;display:flex;flex-direction:row;left:47px;position:absolute}@media(min-width:480px){.ABr9cx9r{left:62px}}@media(min-width:1024px){.ABr9cx9r{left:50%;transform:translateX(-50%)}}@media(max-width:1023px){.ABr9cx9r{flex-direction:row-reverse}}@media(max-width:479px){.ABr9cx9r{left:50px}}.wOXWlwEZ{align-items:flex-end;z-index:1}._1NZmb47g svg{fill:#fff;height:24px;width:63px}@media(min-width:480px){._1NZmb47g svg{height:24px;width:80px}}@media(min-width:1024px){._1NZmb47g svg{height:28px;width:104px}}.pPmmgJQD{background:none;border:0;cursor:pointer;display:flex;flex-direction:row;height:100%;margin-right:16px;outline:none;padding:0;white-space:nowrap}@media(min-width:480px){.pPmmgJQD{margin-right:32px}}.pPmmgJQD svg{fill:#333;width:30px}.pPmmgJQD path{fill:#fff;stroke:#fff}.K8E0pmcH{background:none;border:0;border-radius:50%;color:#fff;cursor:pointer;display:flex;font-family:sans-serif;font-size:100%;line-height:1.15;margin-right:16px;outline:none;position:relative}@media(min-width:480px){.K8E0pmcH{padding:8px}.K8E0pmcH:hover{background-color:#383838}}.K8E0pmcH .fs-icon--search,.K8E0pmcH .search_svg__fs-icon{fill:#fff;width:24px}.K8E0pmcH .fs-icon--search circle,.K8E0pmcH .search_svg__fs-icon circle{stroke:#fff}.K8E0pmcH .fs-icon--sparkles,.K8E0pmcH .sparkles_svg__fs-icon{height:18px;position:absolute;right:-6px;top:-6px;width:18px}@media(min-width:480px){.K8E0pmcH .fs-icon--sparkles,.K8E0pmcH .sparkles_svg__fs-icon{right:2px;top:2px}}.t5vQ80cK{display:flex;flex:1}.qWN3kcjB{align-items:center;display:flex;font-size:14px;justify-content:right;min-height:56px;min-width:225px}.eDqiJJ2t{display:none}.eDqiJJ2t.U8EUTM2k,.eDqiJJ2t:hover{display:block}@media(min-width:1024px){.eDqiJJ2t:hover:after{content:" ";display:block;height:2px;left:0;position:absolute;right:0;top:56px}}.rraJLRQU{align-items:center;display:flex;height:56px}@media(min-width:480px){.rraJLRQU{position:relative}}._00AX4IpY{background-color:initial;border:0;cursor:pointer;font:12px Graphik,helvetica,sans-serif;outline:none}@media(min-width:480px){._00AX4IpY{font-size:14px}}@media(min-width:768px){._00AX4IpY:hover~.eDqiJJ2t{display:block}}@media(min-width:1024px){._00AX4IpY:hover:after{content:" ";display:block;height:2px;left:0;position:absolute;right:0;top:56px}}.QOiWaRFM{align-items:center;background:none;border:0;color:#fff;cursor:pointer;font:14px Graphik,helvetica,sans-serif;margin-right:24px;outline:none;padding:0;white-space:nowrap}.QOiWaRFM:hover{text-decoration:underline}@media(max-width:479px){.QOiWaRFM{font-size:12px;margin-right:16px}}.paTN5R7V{background-color:#242424;color:#fff;display:flex;flex-direction:column;left:0;margin:0;padding:0;position:absolute;right:0;text-align:left;top:56px}.paTN5R7V a:last-of-type{padding-bottom:17px}@media(min-width:480px){.paTN5R7V{left:auto;right:32px;width:264px}}.dE7Pw5db{background:none;border:0;color:inherit;cursor:pointer;display:flex;font:normal 16px/1.375 Graphik,helvetica,sans-serif;letter-spacing:-.2px;outline:none;padding:9px 16px;text-decoration:none}.dE7Pw5db:last-child{padding:17px 16px}.MWmOgFc9{color:#bca35b;display:inline-block;font:600 14px/1.375 Graphik,helvetica,sans-serif;letter-spacing:.5px;margin-bottom:8px}.-XtX5Ulr{align-items:baseline;display:flex;flex-direction:column;padding:16px 16px 8px}@media(min-width:480px){.-XtX5Ulr{padding-top:24px}}.nsFdUuXU{display:flex;flex-wrap:wrap;font:700 26px/31.2px SchnyderSDemi,Times New Roman,serif;letter-spacing:.2px;white-space:pre;width:100%}.gPb97RFz{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.U1DpGihW:focus,.U1DpGihW:hover{text-decoration:none}.qaKFdvYl{border-top:1px solid #737373;color:inherit}.mg7sMAfM{margin:0 16px}.GeqwIyqb{align-items:center;align-self:center;background-color:#dc0000;border:0;border-radius:8px;color:#fff;cursor:pointer;display:flex;font:600 12px/16px Graphik,helvetica,sans-serif;height:32px;justify-content:center;letter-spacing:-.2px;margin-right:16px;outline:none;padding:10px 8px;text-align:center;text-decoration:none}.GeqwIyqb:hover{background-color:#c20000}@media(min-width:480px){.GeqwIyqb{font-size:14px;height:40px;line-height:22px;margin-right:32px;padding:9px 16px}}.Tr39rH1r{display:none}._17vDq6wa svg{fill:#fff}.BmefNpol svg{fill:#737373}svg.j-8HLFO2{fill:#fff;height:15px;width:20px}.kre2rEuj:after{display:block}.EYqOBdug{border-left:1px solid #333;padding-left:12px}.-N2Qj2aF{align-items:center;display:inline-flex;padding-left:8px}.-N2Qj2aF svg{fill:currentcolor;height:24px;width:24px}@media(max-width:1023px){.Tr39rH1r{display:flex}.nKfcv-Ux{flex:0;margin-right:1rem}.ABr9cx9r{align-items:flex-start}._6iObgz9n .v5qNsLKM,._6iObgz9n:hover .v5qNsLKM{display:none}.vVZa2t9Y{pointer-events:none}}.LYbP3oHd{background:#171717;flex-flow:column nowrap;height:calc(100vh - 56px);margin:0;padding:16px 0 11px;width:280px}.JZpuzF4t{height:100%;overflow:hidden;padding-right:20px}.JZpuzF4t,.ZGJ--TCc{display:flex;width:100%}.ZGJ--TCc{flex-flow:column nowrap;height:calc(100vh - 106px);margin:0;overflow-x:hidden;overflow-y:scroll;padding:0;scrollbar-width:none}.ZGJ--TCc::-webkit-scrollbar{display:none}.IQGeVfxX{height:100%}@media(max-width:1023px){.LYbP3oHd{background-color:#171717;left:0;padding:5px 0 0;width:304px}.ZGJ--TCc{padding:0 0 190px;position:relative}.ZGJ--TCc>li>ul{overflow-y:hidden}.IQGeVfxX{margin:12px 0 0 -16px}}._3XBIQGxd{margin:0;padding:0}.U40pFDrj{-webkit-font-smoothing:auto;font:12px/16px Graphik,helvetica,sans-serif;letter-spacing:-.2px;margin:4px 0;padding:8px 9px 8px 40px}.U40pFDrj:hover{background-color:#ffffff0a}.w0vu6Ki4{display:none}.MriTJdJU{display:block}.ZCZCinQE{color:#bbb;font-size:12px}.QpfB0oZe{display:flex;justify-content:space-between;letter-spacing:-.2px;list-style:none;max-width:100%;word-break:normal}.QpfB0oZe,.QpfB0oZe a,.QpfB0oZe button{font-family:Graphik,helvetica,sans-serif;text-decoration:none}.QpfB0oZe a,.QpfB0oZe button{color:#fcfcfc}.QpfB0oZe a{display:block;width:100%}.QpfB0oZe ._35-x6PHh{display:none;padding:13px 0 13px 16px}.QpfB0oZe ._35-x6PHh .-gQStZbT{color:#bbb;font:600 16px/1.38 Graphik,helvetica,sans-serif}.QpfB0oZe svg{fill:#fff;cursor:pointer;height:24px;vertical-align:middle;width:24px}.f3-P7qdF{align-items:center;display:flex;justify-content:space-between;width:100%}.G-fdXOrK,.NUJKAyGe{display:none}.ocPoioVz{color:#fcfcfc;font-size:18px;line-height:24px;padding:12px 16px}.ocPoioVz a,.ocPoioVz button{color:inherit;font-size:inherit}@media(min-width:1024px){.ocPoioVz:focus-within .G-fdXOrK,.ocPoioVz:hover .G-fdXOrK{display:flex;left:280px;position:absolute;top:0}.ocPoioVz:active,.ocPoioVz:hover{background-color:#ffffff14}}@media(min-width:1440px){.ocPoioVz{padding-left:24px}}.m8U3dnD2{color:#fcfcfc;font-size:14px;padding:9px 10px 9px 16px}.m8U3dnD2 a,.m8U3dnD2 button{color:inherit;font-size:inherit}.m8U3dnD2:hover{background-color:#ffffff0a}.dzq--44-{color:#fcfcfc;font-size:10px;line-height:1.2;padding:12px 14px}.dzq--44- a,.dzq--44- button{color:inherit;font-size:inherit}.Gs7SZLA4,.dKko5w95{display:none}._4r-DvsBQ{height:18px;width:18px}@media(max-width:1023px){.QpfB0oZe{background-color:get-color("site-black");padding-right:8px}.QpfB0oZe ._35-x6PHh,.ol1jAoex{display:block}.ol1jAoex{background-color:#171717;height:200vh;margin-left:-16px;position:absolute;top:0;width:100%}.ol1jAoex a{pointer-events:none}.HsDj10Wf,.HsDj10Wf:active,.HsDj10Wf:hover{background-color:#171717;padding-bottom:0;position:absolute;width:100%}.HsDj10Wf .f3-P7qdF,.HsDj10Wf:active .f3-P7qdF,.HsDj10Wf:hover .f3-P7qdF{flex-direction:row-reverse;justify-content:flex-start}.HsDj10Wf .Gs7SZLA4,.HsDj10Wf:active .Gs7SZLA4,.HsDj10Wf:hover .Gs7SZLA4{display:block;height:18px;left:-6px;position:relative;width:18px}.tpRLYIkD{align-items:center;display:flex;font-weight:600;padding:12px 8px 12px 10px}.tpRLYIkD svg{margin-right:8px}.A6l1kjob{background-color:#171717;display:block;margin:0 0 0 -16px;position:fixed;top:0;z-index:1}.NUJKAyGe{align-items:center;cursor:pointer;display:flex;padding:20px 0 13px 10px}.NUJKAyGe svg{margin-right:8px}}._5MfnUGiW{align-items:center;color:#fff;display:flex;font:16px/16px Graphik,helvetica,sans-serif;height:40px;margin-left:16px;text-decoration:none}._5MfnUGiW:hover{text-decoration:underline!important}.jyxDkm4x{display:block;padding-top:4px}.jyxDkm4x svg{fill:#fff;display:block;height:16px;width:16px}.tzX7W8zX{display:block;font-size:14px;font-weight:400;letter-spacing:-.2px;line-height:16px;margin-right:8px}@media(max-width:479px){.tzX7W8zX{font-weight:600}}.iZO2H1AS{display:block;margin-bottom:5px}.iZO2H1AS span{font-size:18px}.iZO2H1AS span:nth-child(2){padding-top:6px}.iZO2H1AS svg{height:24px;width:24px}@media(min-width:1024px){.iZO2H1AS{display:none}}.gumnNos8{margin-left:16px;margin-top:5px}.dN9h-rXs{align-items:center;display:flex;flex-flow:row nowrap;padding-left:16px}@media(max-width:1023px){.dN9h-rXs{padding-left:1rem}}@media(max-width:479px){.dN9h-rXs{padding-left:16px}}.USVF4LaM{align-items:center;border-radius:50%;cursor:pointer;display:flex;justify-content:center}@media(min-width:480px){.USVF4LaM{padding:8px}.USVF4LaM:hover{background-color:#383838}}.USVF4LaM svg{fill:#fff;width:23px}@media(min-width:480px){.USVF4LaM svg{width:24px}}@keyframes _3rGzcfsn{0%{transform:translateX(-280px)}to{transform:none}}@keyframes Gvc13T9u{0%{transform:none}to{transform:translateX(-280px)}}@media(max-width:1023px){@keyframes _3rGzcfsn{0%{transform:translateX(-304px)}to{transform:none}}@keyframes Gvc13T9u{0%{transform:none}to{transform:translateX(-304px)}}}.J80tatyc{animation:Gvc13T9u .2s ease-in both;height:100vh;left:0;position:absolute;top:56px}.J80tatyc._7NaedbvZ{animation:_3rGzcfsn .3s ease-out both}.R0tvspq-{display:flex;justify-content:space-between;width:100%}@media(max-width:1023px){.ZLRzxr3m{display:flex}.pByIWUpp{flex:0;margin-right:1rem}.Vcuosc4D{align-items:flex-start}.dN9h-rXs .ydtLHqts,.dN9h-rXs:hover .ydtLHqts{display:none}.pRMH86kL{pointer-events:none}}:root{--gutter-size-column-xl:16px;--gutter-size-row-xl:16px;--gutter-size-column-sm:12px;--gutter-size-row-sm:12px}.PF-lzRSU{grid-template-columns:repeat(1,minmax(0,1fr))}._1afblflN{grid-template-columns:repeat(2,minmax(0,1fr))}.vCyemOBF{grid-template-columns:repeat(3,minmax(0,1fr))}._3qhR0i3j{grid-template-columns:repeat(4,minmax(0,1fr))}.I6iUwTT5{grid-template-columns:repeat(5,minmax(0,1fr))}.bmClW-yL{grid-template-columns:repeat(6,minmax(0,1fr))}.HXMckHsJ{grid-template-columns:repeat(7,minmax(0,1fr))}.C041tGWj{grid-template-columns:repeat(8,minmax(0,1fr))}.lY8aFP-D{grid-template-columns:repeat(9,minmax(0,1fr))}.Ll6pnfqA{grid-template-columns:repeat(10,minmax(0,1fr))}.JxTukQqK{grid-template-columns:repeat(11,minmax(0,1fr))}.DOMQ5MwY{grid-template-columns:repeat(12,minmax(0,1fr))}@media(max-width:1023px){.hOF-jQrN{grid-template-columns:repeat(1,minmax(0,1fr))}.Waj1X3-h{grid-template-columns:repeat(2,minmax(0,1fr))}.qNPnkHWf{grid-template-columns:repeat(3,minmax(0,1fr))}.Y2NkE-YO{grid-template-columns:repeat(4,minmax(0,1fr))}.HYzL8cIR{grid-template-columns:repeat(5,minmax(0,1fr))}.ys82KMbX{grid-template-columns:repeat(6,minmax(0,1fr))}.TXobAuof{grid-template-columns:repeat(7,minmax(0,1fr))}.WTY2t3TQ{grid-template-columns:repeat(8,minmax(0,1fr))}.xh4EK7wv{grid-template-columns:repeat(9,minmax(0,1fr))}._6y12r-5c{grid-template-columns:repeat(10,minmax(0,1fr))}.STnET5ba{grid-template-columns:repeat(11,minmax(0,1fr))}.SdEAvE4L{grid-template-columns:repeat(12,minmax(0,1fr))}}@media(max-width:767px){.htFP8AYp{grid-template-columns:repeat(1,minmax(0,1fr))}.u-33JFZ5{grid-template-columns:repeat(2,minmax(0,1fr))}.OQQqcDFI{grid-template-columns:repeat(3,minmax(0,1fr))}.xSetbFi4{grid-template-columns:repeat(4,minmax(0,1fr))}.mS0u-7bv{grid-template-columns:repeat(5,minmax(0,1fr))}.stmgF0aC{grid-template-columns:repeat(6,minmax(0,1fr))}.vdVDpIRG{grid-template-columns:repeat(7,minmax(0,1fr))}._8usBiZp7{grid-template-columns:repeat(8,minmax(0,1fr))}.-IOv81c0{grid-template-columns:repeat(9,minmax(0,1fr))}.qN-RcKG8{grid-template-columns:repeat(10,minmax(0,1fr))}._3aNp6lUz{grid-template-columns:repeat(11,minmax(0,1fr))}.XBdoHCY-{grid-template-columns:repeat(12,minmax(0,1fr))}}@media(max-width:479px){.Fqb89ouo{grid-template-columns:repeat(1,minmax(0,1fr))}.mP5Zd90F{grid-template-columns:repeat(2,minmax(0,1fr))}._0XUaoT3x{grid-template-columns:repeat(3,minmax(0,1fr))}._0TdU-tnH{grid-template-columns:repeat(4,minmax(0,1fr))}.n9D4o7uR{grid-template-columns:repeat(5,minmax(0,1fr))}.yHtszZZ7{grid-template-columns:repeat(6,minmax(0,1fr))}.MwE8vstX{grid-template-columns:repeat(7,minmax(0,1fr))}.pqLmx7cH{grid-template-columns:repeat(8,minmax(0,1fr))}._6-W1bC3O{grid-template-columns:repeat(9,minmax(0,1fr))}.bYKpcc1I{grid-template-columns:repeat(10,minmax(0,1fr))}.hAltv1YG{grid-template-columns:repeat(11,minmax(0,1fr))}._9mILcI8M{grid-template-columns:repeat(12,minmax(0,1fr))}}.e6jydqmV{-moz-column-gap:var(--gutter-size-column-xl);column-gap:var(--gutter-size-column-xl);display:grid;row-gap:var(--gutter-size-row-xl)}@media(max-width:767px){.e6jydqmV{-moz-column-gap:var(--gutter-size-column-sm);column-gap:var(--gutter-size-column-sm);row-gap:var(--gutter-size-row-sm)}}.euJKoJty{box-sizing:border-box;-moz-column-gap:40px;column-gap:40px;display:flex;flex-wrap:wrap;justify-content:center;width:100%}.euJKoJty .iXO4CXhu{margin:0 0 40px;width:calc(25% - 30px)}.euJKoJty .iXO4CXhu.FtyrtdKv{margin:0 0 40px;width:calc(50% - 20px)}@media(max-width:1023px){.euJKoJty{-moz-column-gap:25px;column-gap:25px}.euJKoJty .iXO4CXhu{width:calc(33.33333% - 16.66667px)}.euJKoJty .iXO4CXhu.FtyrtdKv{width:calc(50% - 12.5px)}}@media(max-width:479px){.euJKoJty{-moz-column-gap:0;column-gap:0}.euJKoJty .iXO4CXhu{display:flex;min-height:83px}.euJKoJty .iXO4CXhu,.euJKoJty .iXO4CXhu.FtyrtdKv{margin:0 10px 20px 0;width:100%}}.euJKoJty.nAf9H8ej{justify-content:flex-start}.SvDN-ReD{width:100%}._9GB8Ryau{margin-bottom:40px;text-align:center}.YQD-JouA{background-color:#333;border-radius:1px;box-shadow:0 2px 4px 1px #0003;color:#fff;cursor:pointer;display:inline-block;font:400 14px/28px Graphik,helvetica,sans-serif;letter-spacing:-.16px;padding:9px 36px 11px}.YQD-JouA:hover{background-color:grey}.U0YTAmO6{background-color:#000;height:100vh;left:0;opacity:.32;right:0;top:0}.U0YTAmO6,.jBamXdd5{position:fixed;z-index:1000}.jBamXdd5{background:#fcfcfc;border:1px solid #e3e3e3;border-radius:8px;left:50%;max-width:343px;top:50%;transform:translate(-50%,-50%);width:100%}@media(min-width:768px){.jBamXdd5{max-width:469px}}.APWpKPVR{position:absolute;right:16px;top:14px}.APWpKPVR svg{fill:#333;height:16px;width:16px}@media(min-width:768px){.APWpKPVR{fill:#737373;right:8px;top:8px}}.mbc8Zk6Q{align-items:center;color:#737373;display:flex;font:500 14px/21px Graphik,helvetica,sans-serif;gap:2px;height:21px;justify-content:flex-start;margin:16px 12px 8px}.mbc8Zk6Q svg{height:12px;width:12px}.mbc8Zk6Q path{fill:#0062ff}@media(min-width:768px){.mbc8Zk6Q{gap:4px}}._3j8CgDUI{color:#333;display:flex;flex-direction:column;font:400 16px/24px Graphik,helvetica,sans-serif;gap:16px;padding-inline:16px}.JUtFcWni{background:#e3e3e3;height:1px;width:100%}.YM6Cb204{align-items:flex-start;display:flex;flex-direction:column;gap:17px;padding-bottom:16px}.YM6Cb204 a{-webkit-box-orient:vertical;-webkit-line-clamp:2;color:#003891;display:-webkit-box;overflow:hidden;text-decoration:none;width:100%;word-break:break-word}.LYbY39uv{border-top:1px solid #e3e3e3;color:#737373;font:500 10px/15px Graphik,helvetica,sans-serif;justify-content:space-between;padding:8px}.LYbY39uv,.aeeovfX6{align-items:center;display:flex}.aeeovfX6{flex-grow:1;font-weight:400;gap:4px;justify-content:flex-end}.PRnAoHbo{margin-bottom:14px;max-height:145px;max-width:258px;position:relative}.K5nxnYv4{height:0;overflow:hidden;padding-bottom:56.25%;position:relative;width:100%}.F10qGe1-{height:100%!important;-o-object-fit:cover;object-fit:cover}.F10qGe1-,.fcivtp2G{left:0;position:absolute;top:0;width:100%}.fcivtp2G{align-items:flex-end;display:flex;height:100%;text-decoration:none}.BoqYdKC-{padding:10px}.ACd7taGv{display:block;font-size:10px;line-height:14px}.gHlz0tIc{color:#333;font:500 14px/24px Graphik,helvetica,sans-serif;text-decoration:none}.gHlz0tIc:hover{text-decoration:underline}.Y0c5cdo-{color:#fff;font:600 12px/14px Graphik,helvetica,sans-serif;letter-spacing:1.6px;padding:10px}.Y0c5cdo- svg path{fill:currentcolor}.uyQBPKoN{font-weight:400;margin:0 0 13px 80px}._0Ldka37b{margin:0 24px;position:relative}._0Ldka37b:after{background:linear-gradient(90deg,#fcfcfc00,#fcfcfc);bottom:0;content:" ";opacity:0;pointer-events:none;position:absolute;right:56px;top:0;transition:opacity .3s;width:15%;z-index:1}._0Ldka37b.Fntcsvtq:after{opacity:1;transition:opacity .3s}.QOeT3C2M{display:block;margin:0}.QOeT3C2M:disabled{visibility:hidden}.QOeT3C2M.jzPe8As0{margin-right:24px}.QOeT3C2M.-ad9vR9E{margin-left:24px}.QOeT3C2M>svg{fill:#737373}@media(max-width:767px){.uyQBPKoN{margin-left:24px}._0Ldka37b:after{right:0}.QOeT3C2M{display:none}}.eDvOrxX2{height:0;overflow:hidden;position:absolute}._4-3bY6mv{padding-top:20px}@keyframes j2Jqwe5b{0%{animation-timing-function:step-end;opacity:0}to{opacity:1}}.qG26paB6>:before{animation:j2Jqwe5b 1s}._4YqZ5gz6,.ef7tZD8z{height:max(290px,22vw + 40px)}.ef7tZD8z{background-color:#fcfcfc;border-bottom:1px solid #e2e2e2;display:flex;flex-direction:column;overflow-y:hidden;padding-top:10px;text-align:left}.ef7tZD8z._92DsJTzS{justify-content:space-evenly;padding-top:0}.C-4VNeks{background-color:#f4f4f4}._5An39fFS{left:0;position:fixed;width:100%}._5An39fFS.KlTcxENj{position:sticky}.yNG-7wT9{background-color:#212424;height:100vh;width:100%}.-H50UxgQ,.yNG-7wT9{align-items:center;display:flex;justify-content:center}.-H50UxgQ{border:1px solid #333;border-radius:50%;color:#fff;cursor:pointer;height:40px;position:absolute;right:40px;top:40px;width:40px}.-H50UxgQ:hover{border:1px solid #8c8c8c}.-H50UxgQ svg{height:16px}@media(max-width:479px){.-H50UxgQ svg{height:20px}}.-H50UxgQ svg path{fill:currentcolor}@media(max-width:479px){.-H50UxgQ{height:20px;right:20px;top:12px;width:20px}.-H50UxgQ,.-H50UxgQ:hover{border:none}}.K9mgjH-p{color:#fff;max-width:60%;position:absolute;text-align:center;top:40px;width:100%}@media(max-width:479px){.K9mgjH-p{top:11px}}.K9mgjH-p .-vQO6xiF svg{fill:currentcolor;height:47px;top:-12px}@media(max-width:479px){.K9mgjH-p .-vQO6xiF svg{height:24px}}.nlGf7zux{border:none;border-radius:2px;font-weight:600;letter-spacing:-.2px;margin:auto 4px;text-align:center}.IGMJMO2I{margin-top:20px}.slNooXzJ{color:#333;font:12px Graphik,helvetica,sans-serif;margin:auto 12px;text-align:center}.Kih79lZS{display:flex;justify-content:center}.iAsGN--l{font:600 22px/32px Graphik,helvetica,sans-serif;padding:4px 0;text-align:center}.DUQ8wnnp{margin:auto 4px}@media(max-width:479px){.DUQ8wnnp svg{height:16px;width:16px}}.q8EpqUtX{font-size:16px;line-height:22px;padding:5px 10px}._8oRyH-b-{font-size:18px;line-height:24px;padding:8px 14px}.JLYU8yIM{font-size:22px;line-height:32px;padding:8px 16px}@media(max-width:479px){.JLYU8yIM,._8oRyH-b-{font-size:16px;line-height:22px;padding:5px 10px}}.VVGLfpJ0,._3NN88J1Q{position:relative;width:100%}.VVGLfpJ0{min-height:56px}.J1gSuQ-8{position:relative;width:100%}.J1gSuQ-8,.eaerzHhn{align-items:center;display:flex}.eaerzHhn svg{height:24px;margin-right:8px;width:24px}.hjeZiRK8{color:#737373;display:flex;font:400 16px/24px Graphik,helvetica,sans-serif;left:12px;pointer-events:none;position:absolute;top:14px;transition:all .2s ease}.y6Hs-F51:not(:-moz-placeholder-shown)+.hjeZiRK8{font:400 12px/18px Graphik,helvetica,sans-serif;top:5px}.y6Hs-F51:focus+.hjeZiRK8,.y6Hs-F51:not(:placeholder-shown)+.hjeZiRK8{font:400 12px/18px Graphik,helvetica,sans-serif;top:5px}.y6Hs-F51:not(:-moz-placeholder-shown)+.hjeZiRK8 svg{flex-shrink:0;height:12px;margin-right:4px;width:12px}.y6Hs-F51:focus+.hjeZiRK8 svg,.y6Hs-F51:not(:placeholder-shown)+.hjeZiRK8 svg{flex-shrink:0;height:12px;margin-right:4px;width:12px}.y6Hs-F51{background:#f0f0f0;border:1px solid #e3e3e3;border-radius:4px;box-sizing:border-box;font:400 16px/24px Graphik,helvetica,sans-serif;height:56px;outline:none;padding:20px 12px 7px;width:100%}.y6Hs-F51:active,.y6Hs-F51:focus,.y6Hs-F51:focus-visible{border:1.5px solid #4285f4}.y6Hs-F51:not(:disabled){background:#fff}.y6Hs-F51._9npud0IM{border:1.5px solid #e50b16}.y6Hs-F51.Q9niccoE{padding-right:50px}.GOmLW44W{border:none;cursor:pointer;font:500 14px/21px Graphik,helvetica,sans-serif;margin-right:12px;position:absolute;right:0;text-decoration:underline;transform:translateY(-28px);z-index:1}.GOmLW44W:focus{border:1px solid #4285f4}.s9LKkSaN{margin-top:4px}.ui7I1JjP{color:#e50b16;font:12px/18px Graphik,helvetica,sans-serif}input[type=password]{font-size:24px;padding:16px 12px 7px}@media(max-width:767px){input[type=password]{font-size:14px}}.NL1bGh6X{display:flex;flex-direction:column;height:144px;justify-content:space-between}@media(min-width:1024px){.NL1bGh6X{align-items:center;flex-direction:row;height:50px}}.Bs9cxpLq{color:#333;font:14px/1.71 Graphik,helvetica,sans-serif;margin-bottom:16px}@media(min-width:1024px){.Bs9cxpLq{font:18px/1.57 Graphik,helvetica,sans-serif}}.ya8K-q7k{margin:0 auto}.x8cw4moZ{color:#333;font-size:36px;height:44px;margin:0 16px;text-align:center;width:23px}.L2RqNda1{height:24px;margin-right:8px;width:24px}._5bj5Btxd input{-moz-appearance:textfield;-webkit-appearance:inherit;appearance:inherit}._5bj5Btxd input::-webkit-inner-spin-button,._5bj5Btxd input::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}._5bj5Btxd input:not(:-moz-placeholder-shown)+label .L2RqNda1{height:12px;margin-right:4px;width:12px}._5bj5Btxd input:focus+label .L2RqNda1,._5bj5Btxd input:not(:placeholder-shown)+label .L2RqNda1{height:12px;margin-right:4px;width:12px}.uJJU4Iug{background:none;border:none;color:var(--text-color,currentColor);cursor:pointer;font:600 14px Graphik,helvetica,sans-serif;margin-left:2px;outline:none;padding:0}._-7glv-jm,._-7glv-jm.mTHPzIQu div,._-7glv-jm.mTHPzIQu p{display:inline}input::-ms-clear{display:none}.hLOX2Whv{align-items:center;box-shadow:inset 0 -2px 0 0 #333;display:flex;justify-content:center;position:relative}@media(max-width:479px){.hLOX2Whv{max-width:80%}}.dF6cO4Oc{-webkit-appearance:none;-moz-appearance:none;appearance:none;background:none;border:none;color:currentcolor;font-family:Graphik,helvetica,sans-serif;font-size:44px;font-weight:400;opacity:.3;outline:none;padding-bottom:15px;text-align:center;width:75%}.dF6cO4Oc:active,.dF6cO4Oc:focus{opacity:1}.WgX9M995{background:none;border:none;color:currentcolor;cursor:pointer;height:100%;outline:none;padding:0;position:absolute;right:0}.WgX9M995 svg{fill:currentcolor;height:20px}.KA0Lc6ys{border-bottom:1px solid #e3e3e3;border-top:1px solid #333;font-family:Graphik,helvetica,sans-serif;padding:12px 0}.GuYIpgXP{margin:0}.Ucd4Q3j0{align-items:center;border:solid #e3e3e3;border-width:1px 0;display:flex;flex-direction:column}@media(min-width:768px){.Ucd4Q3j0{flex-direction:row;padding:10px 0}}.v2RIkg94{flex:1;font-size:12px;letter-spacing:1px;text-transform:uppercase}._3Q8HHYus{font-family:Graphik,helvetica,sans-serif;margin-right:4px}.AaxkuRws{color:#737373;font:600 12px/2.33 Graphik,helvetica,sans-serif}.-ZsrK71g{font:600 14px/2 Merriweather,GeorgiaCustom;margin:8px 0;text-align:center}@media(min-width:768px){.-ZsrK71g{margin:0}}.mRx8Sism{display:flex;flex:1;justify-content:flex-end}.BtogO0fp svg:hover{fill:#242424}.m6vMic3r{display:flex;list-style:none;margin:0 -7px;padding:0}.d58yzDjs{margin:0 7px;width:24px}.d58yzDjs a{color:inherit;cursor:pointer}._-4y-PtDK{flex-direction:row}._26LnO9Cb{flex-direction:column}._26LnO9Cb li{padding-bottom:10px}._4MyKfORQ .m6vMic3r{margin:0 -16px}._4MyKfORQ .d58yzDjs{margin:0 16px;padding:8px;width:40px}._6RZ7qUPI{gap:16px}@media(max-width:767px){._6RZ7qUPI{gap:8px}}._6RZ7qUPI._26LnO9Cb{gap:8px;padding-bottom:0}._6RZ7qUPI .d58yzDjs{align-items:center;display:flex;justify-content:center;margin:0;padding:0;width:40px}@media(max-width:767px){._6RZ7qUPI .d58yzDjs{width:32px}}.N8AkK-w5{color:inherit;cursor:pointer;display:block;padding:2px;width:24px}.N8AkK-w5>svg{fill:currentcolor;display:block}.N8AkK-w5.cD46Sbhd:hover svg{fill:#3b5998}.N8AkK-w5.mbyshY10:hover svg{fill:#0077b5}.N8AkK-w5._3qE3nuyf:hover svg{fill:#ffc000}.N8AkK-w5.fGpeLhHu:hover svg{fill:#242424}.N8AkK-w5.NDJ7B8Lu:hover svg{fill:#c1558b}[data-theme=dark]{--active-fill-background-color:#737373;--fill-background-color:#333;--hover-fill-background-color:#292929;--svg-fill-color:#fff;--svg-stork-color:#fff}[data-theme=light]{--active-fill-background-color:#e3e3e3;--fill-background-color:#fcfcfc;--hover-fill-background-color:#f0f0f0;--svg-fill-color:#333;--svg-stork-color:#333}._7L8rncyg{align-items:center;border-radius:50%;cursor:pointer;display:flex;height:40px;justify-content:center;transition:all .2s ease-in-out;width:40px}@media(max-width:767px){._7L8rncyg{height:32px;width:32px}}._7L8rncyg svg{fill:var(--svg-fill-color);height:24px;width:24px}._7L8rncyg svg [stroke]{stroke:var(--svg-stork-color)}@media(max-width:767px){._7L8rncyg svg{height:16px;width:16px}}._7L8rncyg._57ZdkZp-{background-color:var(--fill-background-color)}._7L8rncyg:hover{background-color:var(--hover-fill-background-color)}._7L8rncyg:active{background-color:var(--active-fill-background-color)}@media(max-width:479px){.T4NV9J7O{bottom:0;left:0;position:fixed;z-index:1}.T4NV9J7O,.ik-pNYwi{height:100vh;width:100vh}.ik-pNYwi{background-color:#333;opacity:90%}}.Dpsg3yht{position:relative}.sTVDLFT0{border-radius:50%;height:32px;width:32px}.sTVDLFT0:hover{background-color:#f0f0f0}.sTVDLFT0:active{background-color:#e3e3e3}.sTVDLFT0 svg{width:16px}.ZPwyttXZ{background:#fff;box-shadow:0 4px 8px 0 #3333331a;display:flex;flex-direction:column;max-height:380px;position:absolute;top:-24px;width:375px;z-index:1}@media(max-width:479px){.ZPwyttXZ{bottom:0;left:0;top:auto;width:100vw}}@media(min-width:480px){.mOgCFT9S{right:0}.QQtnB0fi{left:-25px}}._5fYTtOJN{width:16px}._0f6MpxqY{display:flex;height:-moz-fit-content;height:fit-content;justify-content:space-between;padding:16px;width:100%}.YPqpgUNF{color:#333;font:600 14px/22px Graphik,helvetica,sans-serif;letter-spacing:-.2px}.tv6ikQte{display:flex;flex-direction:column;height:100%;overflow:auto}.rhJs1L7Z{align-items:center;color:#333;display:flex;font:400 14px/22px Graphik,helvetica,sans-serif;height:56px;letter-spacing:-.2px;padding:8px 24px;width:100%}.rhJs1L7Z:hover{background-color:#f0f0f0}.rhJs1L7Z:active{background-color:#e3e3e3}.JjmlppCP{align-items:center;border-radius:50%;color:currentcolor;cursor:pointer;display:flex;height:40px;justify-content:center;min-width:40px;transition:all 0s ease-in-out;width:40px}.JjmlppCP,.JjmlppCP:active,.JjmlppCP:hover{background-color:inherit}.JjmlppCP svg{height:24px;min-width:24px;width:24px}._4l27W979{color:currentcolor;padding-left:16px;text-align:left;width:100%}._5OtTccMZ{align-items:center;background-color:#171717;display:flex;flex-direction:column;gap:16px;padding:16px;width:100%}.ee8ROvNB{color:#fff;font:600 14px/22px Graphik,helvetica,sans-serif;letter-spacing:-.2px}.BEtEK-iG{background:#dc0000;font-size:12px;height:32px;line-height:16px;text-align:center}.jAruffk8{background:#e3e3e3;bottom:0;left:0;min-height:50px;opacity:0;padding-top:0;text-align:center;transition:opacity .5s linear;visibility:hidden;width:100%}.nZUM0Wqd{opacity:1;visibility:visible}.cosaBQbE{display:none}.DrqcpbOB{align-items:center;background:inherit;border:0;border-radius:50%;display:flex;flex-direction:column;height:38px;justify-content:flex-start;position:absolute;right:10px;top:-19px;width:38px;z-index:-1}.DrqcpbOB:before{display:none}.DrqcpbOB>svg{fill:#737373;height:15px;margin-top:5px;width:15px}._9Qdks2-X{align-items:center;display:none;position:relative}@media(max-width:1439px){._9Qdks2-X{position:absolute;width:100%}}._9Qdks2-X .piMKNQBr{flex:1;font:400 12px/15px Graphik,helvetica,sans-serif;padding-left:5px;visibility:hidden}._9Qdks2-X .Md38RLhw{cursor:pointer;font-size:0;margin:3px}@media(max-width:479px){._9Qdks2-X .Md38RLhw{margin:3px 6px 0 0}}._9Qdks2-X .Md38RLhw>svg{fill:#fff;height:19px;width:19px}.OC9Byg00{background-color:#151b17;bottom:10px;color:#fff;left:10px;position:fixed;width:300px;z-index:1}@media(min-width:1230px){.OC9Byg00{width:400px}}.OC9Byg00 ._9Qdks2-X{display:flex;z-index:2}@media(min-width:480px){.OC9Byg00:hover ._9Qdks2-X{background-color:rgba(51,51,51,.502)}.OC9Byg00:hover ._9Qdks2-X .piMKNQBr{visibility:visible}}@media(max-width:479px){.OC9Byg00{bottom:auto;left:0;padding:0 32px;top:0;width:100%}.OC9Byg00 ._9Qdks2-X{left:0}.OC9Byg00 .vjs-control:not(.vjs-progress-control){width:3em}}.Fs7cvdC8{background:#f2f2f2 url(https://thumbor.forbes.com/thumbor/75x0/i.forbesimg.com/media/assets/logos/f-gray.png) no-repeat 50%;position:relative}.Fs7cvdC8:before{content:"";display:block;padding-bottom:56.25%}.Fs7cvdC8 ._4R-0AiIY{display:block;height:100%;left:0;outline:none;position:absolute;top:0;width:100%}.q3qumN04{font:200 18px Graphik,helvetica,sans-serif;line-height:14px;margin-right:3px}@media(max-width:479px){.q3qumN04{font-size:22px;line-height:18px}}._5WXBSej6{margin:20px 0}@media(max-width:479px){._5WXBSej6{margin:20px -15px}}._4g0BEaLU{border-bottom:1px solid #e2e2e2;margin-bottom:24px;padding-bottom:8px}.aWBvPyEW{margin-bottom:40px;text-align:center}.Fhmvh-hz,.Pj8Dh3OE{width:100%}.Fhmvh-hz{border-top:1px solid #e2e2e2;color:#333;font-size:10px;padding:10px 0 13px;text-align:left}._2TPaNaUu{border-bottom:1px solid #e2e2e2;display:flex;font:400 12px/1.67 Graphik,helvetica,sans-serif}.o52BAtss{margin:2px 8px 3px 0;vertical-align:middle;width:16px}.d6oAOsdq{padding:0 8px}.u0068Pz2{margin:15px 0;width:100%;word-break:break-word}.bs62WlYO{color:inherit;text-decoration:none}._6-2brxKl{font-weight:600}.LLjH7GQ9{-ms-overflow-style:none;align-items:center;display:flex;gap:32px;overflow-x:auto;scrollbar-width:none}.LLjH7GQ9::-webkit-scrollbar{display:none}@media(min-width:768px){.LLjH7GQ9{justify-content:flex-start}}.aw46E5Sg{background:none;border:none;color:#000;cursor:pointer;font-size:18px;list-style-type:none;margin-bottom:0;outline:none;padding:24px 0}.aw46E5Sg:focus-visible{outline:auto}.xI6rqzCR{font-family:Graphik,helvetica,sans-serif}.T4cETRd0{font-weight:600;position:relative}.tO4R-GmG{background:#e3e3e3;font-weight:500;padding:10px}.BIEacUow{bottom:0;height:4px;left:0;position:absolute;right:0}.TBsJz3rJ{font-family:Graphik,helvetica,sans-serif;font-weight:400;letter-spacing:-.2px}._8dT7xVYb{font-size:22px;line-height:2.28}.TVnUHHnU{font-size:18px;line-height:1.71}.LQ6Skw9V{font-size:16px;line-height:1.57}.opkiOd0T{font-weight:600}.Sss-siHY{color:#737373}.HsjrKkmQ{color:#bbb}._0pIolY68{color:#171717}.zAn7TCLd{color:#fcfcfc}.UESAChoI{font-family:Graphik,helvetica,sans-serif;font-weight:400;letter-spacing:-.2px}.CzkiM8n0{font-size:14px;line-height:1.57}.GTdYVAD-{font-size:12px;line-height:1.14}.ef-LuL5Q{font-size:10px;line-height:.85}.DUvhMuD-{font-weight:600}.VS6hgTWe{color:#737373}.rUwwgEfN{color:#bbb}.V1JqN3zp{color:#171717}.jXtOyWXF{color:#fcfcfc}.-gdz5tOi{font-family:Graphik,helvetica,sans-serif;font-weight:400;letter-spacing:.5px}._5-aQBh65{font-size:14px;line-height:1.57}.aT7awwHw{font-size:12px;line-height:1.14}.NNk5-Ew7{font-size:10px;line-height:.85}.qi-X7g-m{font-weight:600}.DFrwevbl{color:#737373}.VVmo41N9{color:#bbb}.pvCu6aER{color:#171717}.wMjreMz0{color:#fcfcfc}.GV0xyCAF{font-family:Merriweather,GeorgiaCustom;font-weight:700}.BVzwNAYm{font-size:22px;letter-spacing:-.1px;line-height:2.28}@media(min-width:480px){.BVzwNAYm{font-size:36px;letter-spacing:-.2px;line-height:3.14}}._8S--ySpm{font-size:18px;line-height:1.85}@media(min-width:480px){._8S--ySpm{font-size:20px;line-height:2.14}}@media(min-width:1024px){._8S--ySpm{font-size:22px;line-height:2.28}}.L7SwsSyi{font-size:18px;line-height:1.85}@media(min-width:1024px){.L7SwsSyi{font-size:20px;line-height:2.14}}.SW6BLrJK{font-size:14px;line-height:1.57}@media(min-width:768px){.SW6BLrJK{font-size:18px;line-height:1.71}}@media(min-width:1024px){.SW6BLrJK{line-height:1.85}}.Gpw7kl45{font-size:14px;line-height:1.57}@media(min-width:768px){.Gpw7kl45{font-size:12px;line-height:1.42}}@media(min-width:1024px){.Gpw7kl45{font-size:14px;line-height:1.57}}.EP8O7Lkq{font-size:11px;line-height:1.28}.MUhlo45P{color:#171717}.X0qajhxx{color:#fcfcfc}.QcN6Jc1j,._2TK3FgIk{font-family:Georgia,Cambria,Times New Roman,Times,serif}._2TK3FgIk{font-size:14px;line-height:1.57}@media(min-width:1024px){._2TK3FgIk{font-size:16px;line-height:1.71}}.QcN6Jc1j{font-size:18px;line-height:2.14}.ky0rH1ES{color:#171717}.Tb-yCjGn{color:#fcfcfc}.-L-Dp84C{align-items:center;background:none;border:1px solid;color:#fff;cursor:pointer;display:inline-flex;font:100 14px/14px Graphik,helvetica,sans-serif;height:48px;outline:none;padding:10px 20px 10px 15px;text-decoration:none}@media(max-width:479px){.-L-Dp84C{border:none;padding:0}}.-L-Dp84C .L-UNzvMO{color:#fff;letter-spacing:1px}.-L-Dp84C .iihJO8Hp{display:inline-flex;padding-right:10px}.-L-Dp84C .iihJO8Hp svg{fill:currentcolor;width:20px}.JH9I81RM .RrnQxaUT,.zGbmVzPB .RrnQxaUT{border-bottom-color:var(--secondary-border-color)}.q9m9-Q3-{border-top:1px solid var(--primary-border-color);display:block;position:absolute;width:343px}.q9m9-Q3- .B2XIXZB2{background-color:var(--background-color);border-radius:4px;box-shadow:0 5px 15px 0 rgba(var(--box-shadow-color),.1);margin:0;max-height:244px;overflow-y:auto;padding:8px 0}@media(max-width:1023px){.q9m9-Q3-{left:0;width:100%}}.r0bgsTul{color:var(--text-color);font:14px/22px Graphik,helvetica,sans-serif;letter-spacing:-.2px;list-style-type:none}.r0bgsTul a{color:inherit;display:block;padding:8px 16px;width:100%}.r0bgsTul:hover{background-color:var(--hover-background-color)}.r0bgsTul.zGbmVzPB{font-weight:600}.egznaaaI{font-size:12px}.c5H6PPAS,.jQpuOHCa{font-size:14px}.jQpuOHCa{align-items:center;border-top:2px solid #0000;display:flex;flex-shrink:0;height:100%;line-height:1.43;text-transform:capitalize}.jQpuOHCa button{cursor:pointer}.jQpuOHCa button:focus-visible{outline:auto}.jQpuOHCa.Vc23XPIg{font-weight:600}.AnLdUWuU{align-items:center;border-bottom:2px solid #0000;color:var(--text-color);display:flex;height:100%}.U7OCDadb{font:10px/12px Graphik,helvetica,sans-serif;letter-spacing:.5px;margin-left:4px;text-transform:uppercase}@media(hover:hover){._1WOOm6d2 .AnLdUWuU:hover{border-bottom-color:var(--secondary-border-color)}}.Vc23XPIg .AnLdUWuU,._2swowWeH .AnLdUWuU{border-bottom-color:var(--secondary-border-color)}[data-theme=light]{--background-color:#fff;--text-color:#333;--hover-background-color:#f0f0f0;--primary-border-color:#e3e3e3;--secondary-border-color:#171717;--box-shadow-color:0,0,0}[data-theme=dark]{--background-color:#171717;--text-color:#fff;--hover-background-color:#333;--primary-border-color:#4d4d4d;--secondary-border-color:#fcfcfc;--box-shadow-color:255,255,255}._3m-Shs-i{background:var(--background-color);display:flex;flex-direction:column;position:relative;width:100%}@media(min-width:1024px){._3m-Shs-i{border:var(--primary-border-color) solid;border-width:1px 0;flex-direction:row;justify-content:space-between}}.jvca6FUq{align-items:center;display:flex;line-height:0;margin:10px 16px}@media(min-width:480px){.jvca6FUq{margin:10px 29px}}@media(min-width:768px){.jvca6FUq{margin:16px 29px}}.jvca6FUq svg{height:15px}@media(min-width:768px){.jvca6FUq svg{height:22px}}.s4eF0ZZ9{align-items:center;border:var(--primary-border-color) solid;border-width:1px 0;display:flex;font-family:Graphik,helvetica,sans-serif;gap:24px;height:54px;overflow-x:auto;padding:0 16px}.s4eF0ZZ9 a{text-decoration:none}.s4eF0ZZ9::-webkit-scrollbar{display:none}@media(min-width:1024px){.s4eF0ZZ9{border:none}}@media(min-width:768px){.s4eF0ZZ9{justify-content:right}}@media(min-width:480px){.s4eF0ZZ9{gap:64px;padding:0 32px 0 29px}}.WSrIUjch{justify-content:left}.Gpl7mqLo{justify-content:right}._4Ex7hj4K{justify-content:center}.zpfBWCA3{justify-content:space-between}._4XUXF8-Z{-webkit-tap-highlight-color:transparent;color:#333}.GLmyGY5x{border-color:#e3e3e3;border-radius:8px;border-style:solid;display:flex;flex-direction:column;gap:8px;min-height:65px;overflow:hidden;padding:16px;transition:.3s ease-out}.ELcvnpyO{background:linear-gradient(180deg,#fcfcfc00 34.5%,#fcfcfc80 67.5%,#fcfcfc);border-bottom-color:#fcfcfc;cursor:pointer}.wOuJZblB{max-height:100vh}.TmpOVe56{display:flex;gap:4px}.pU2u3vqV{align-self:center}.me23MK8G{font:500 18px/28px Graphik,helvetica,sans-serif}.QZRNyZio{position:relative}.nRJPaiw7{font:400 18px/27px Graphik,helvetica,sans-serif;margin-bottom:8px}@media(max-width:479px){.nRJPaiw7{font-size:17px}}.Kg7c6nqF{margin-left:18px}.Kg7c6nqF li:not(:last-child){margin-bottom:8px}.Kg7c6nqF li::marker{font-size:16px}.I8Xtsrfx{background:linear-gradient(180deg,#fcfcfc00 25%,#fcfcfc80 45%,#fcfcfc);bottom:0;height:100px;position:absolute;width:100%}.-x3FZbkq{color:#737373;display:flex;flex-wrap:wrap;font:400 14px/21px Graphik,helvetica,sans-serif;gap:0 5px}.mkvgSs0I{align-items:center;color:#333;display:flex;font:600 12px/18px Graphik,helvetica,sans-serif;gap:16px;height:32px;margin:4px auto 0}.mkvgSs0I svg{fill:#333;height:24px;width:24px}.QFQm248A svg{transform:rotate(180deg)}.GX-s4w0D{width:100%}.GX-s4w0D,.R4wAtknw{position:relative}.R4wAtknw ._9du2G6MO{color:#737373;cursor:pointer;font:400 16px/24px Graphik,helvetica,sans-serif;padding:16px 12px;position:absolute;transition:all .3s ease;z-index:3}.R4wAtknw ._9du2G6MO.GImTW31h{font:400 12px/18px Graphik,helvetica,sans-serif;padding:7px 12px;top:0}.Vdf2I4gP{align-items:center;background:#f0f0f0;border:1px solid #e3e3e3;border-radius:4px;display:flex;height:56px;justify-content:space-between;padding:7px 12px;position:relative;width:100%;z-index:1}.Vdf2I4gP:focus{border:1.5px solid #4285f4}.Vdf2I4gP:not(:disabled){background:#fff;cursor:pointer}.Vdf2I4gP._0nAHqbsa{border:1.5px solid #e50b16}.Vdf2I4gP.FNR77yhX{border-color:#4285f4}.Vdf2I4gP .GImTW31h{color:#333;font:400 16px/24px Graphik,helvetica,sans-serif;overflow:hidden;padding-top:18px;white-space:nowrap}.Vdf2I4gP svg{height:20px;width:20px}.Vdf2I4gP svg path{fill:#333}.DB4hii5k{background:#fff;border-radius:4px;box-shadow:0 5px 15px #0000001a;color:#333;display:none;left:0;margin-top:4px;max-height:300px;overflow-y:auto;padding:8px 0;position:absolute;top:100%;width:100%;z-index:10}.DB4hii5k.OcSBGfwm{display:block}.DB4hii5k .yUsPmYCD{background:inherit;color:#333;cursor:pointer;display:flex;flex-direction:row;font:400 16px/24px Graphik,helvetica,sans-serif;list-style-type:none;min-height:44px;padding:10px 32px;text-align:left;text-transform:capitalize;width:100%}.DB4hii5k .yUsPmYCD svg{height:20px;margin-right:8px;width:20px}.DB4hii5k .yUsPmYCD:focus{border:2px solid #4285f4}.DB4hii5k .yUsPmYCD:hover:not(.V-8ohoBK){background:#f0f0f0}.DB4hii5k .V-8ohoBK{align-items:center;background:#e3e3e3;color:#333;padding:10px 8px}.zxSli-bc{margin-top:4px}.qhWMqFo4{color:#e50b16;font:12px/18px Graphik,helvetica,sans-serif}@keyframes save-blink{0%{opacity:0}50%{opacity:.2}to{opacity:0}}@keyframes card-slide{0%{transform:translateY(100%)}to{transform:translateY(0)}}@keyframes save-fill{0%{stroke:#737373}to{stroke:#007ac8}}@keyframes popup-hide{0%{display:block}to{display:none}}.save-article-wrapper{align-items:center;background-color:#fcfcfc;border-radius:50%;cursor:pointer;display:flex;justify-content:center;margin-right:4px;position:relative}.save-article-wrapper,.save-article-wrapper>button{height:38px;width:38px}.save-article-wrapper:hover{background-color:#0000000a}.save-article-wrapper:active{background-color:#00000014}.save-premium-wrapper,.save-premium-wrapper>button{background-color:unset;height:36px;width:36px}.anchors-container{align-items:center;display:flex;position:relative}.anchors-container .with-border-share-icon{background-color:#fcfcfc;border-radius:50%;display:none;height:34px;margin-right:4px;width:34px}.anchors-container .with-border-share-icon:hover{background-color:#0000000a}.anchors-container .with-border-share-icon:active{background-color:#00000014}.anchors-container .with-border-share-icon svg{fill:#007ac8;width:17px}.premium-save-article svg,.premium-saved-article svg{height:16px;width:16px}.show{display:flex}.stop svg{animation:none}.close,.stop:after{display:none}.anchors-container--premium{align-items:center;display:flex;height:18px;position:relative}.social-share-menu>button{align-items:center;display:flex;height:36px;justify-content:center;width:36px}.social-share-menu>button svg{fill:#007ac8;height:16px;width:16px}@media(min-width:480px){.share-menu-modal{left:-9px;top:-54px;z-index:4}}.saved-card{animation:popup-hide 10s forwards;background-color:#fff;border-radius:8px;box-shadow:0 4px 8px 0 #3333331a;left:-8px;padding:16px;position:absolute;width:343px;z-index:1}.saved-card .my-forbes{color:#333;font:400 14px/22px Graphik,helvetica,sans-serif;margin-bottom:24px}.saved-card .my-forbes a{color:#003891;text-decoration:underline}.header-container{display:flex;justify-content:space-between;margin-bottom:16px}.header-container .close-card{fill:#737373;cursor:pointer;height:16px;width:16px}.header-wrapper{align-items:center;display:flex}.saved-check{height:20px;margin-right:8px;width:20px}.saved-check svg{fill:#007ac8}.article-saved{color:#007ac8;font:600 14px/22px Graphik,helvetica,sans-serif}.articles-container span{color:#737373;font:400 12px/12px Graphik,helvetica,sans-serif}.articles-wrapper{margin-top:8px}.article-card{border-bottom:1px solid #e3e3e3;color:#333;margin-bottom:16px;padding-bottom:10px}.article-card:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}.article-card .article-title{font:700 14px/22px Merriweather,GeorgiaCustom;margin-bottom:8px}.article-card .article-title h3{font:inherit}.article-card .article-author{color:#737373;font:400 12px/16px Graphik,helvetica,sans-serif;text-transform:capitalize}.article-card .author-name{font:600 12px/16px Graphik,helvetica,sans-serif}.premium-card{left:-145px;position:absolute}.masthead-tooltip:after{left:calc(15% - 26px)}.load{display:block}@media(max-width:480px){.save-article-wrapper{margin-right:10px}.save-article-wrapper,.save-article-wrapper>button,.save-premium-wrapper,.save-premium-wrapper>button{height:32px;width:32px}.saved-card{animation:card-slide 1.5s forwards;bottom:0;height:auto;left:0;padding-bottom:64px;position:fixed;width:100vw}.saved-articles-lightbox{animation:popup-hide 10s forwards;background-color:#333333e6;height:100%;left:0;position:fixed;top:0;width:100%;z-index:1002}.premium-pointer:after{left:calc(15% + 29px)}.openweb-hidden{left:0}.openweb-hidden:after{left:auto;right:12px}}@media (max-width:768px){.anchors-container .with-border-share-icon{align-items:center;display:flex;justify-content:center}}@media(min-width:1024px){a.frase-promo{align-items:flex-start;background:linear-gradient(270deg,#fff0 50%,#fff),url(https://images.forbes.com/fraseAssets/frasePrimarySocialShare.png) calc(100px + 50%) 50%/575px;flex-direction:column;padding:30px}}a.frase-promo{align-items:flex-end;background:linear-gradient(180deg,#fff0 50%,#fff),url(https://images.forbes.com/fraseAssets/frasePrimarySocialShare.png) 50% 60%/700px;color:#000;display:flex;height:200px;justify-content:center;width:100%}a.frase-promo,a.frase-promo:hover{text-decoration:none}@media(min-width:1024px){.text-and-button{align-items:flex-start;flex-direction:column;height:125px;justify-content:space-between;width:175px}}.text-and-button{align-items:center;display:flex;height:65px;justify-content:center;pointer-events:none;width:315px}@media(min-width:1024px){.text{font:700 22px/32px Merriweather}}.text{font:700 18px/26px Merriweather}@media(min-width:1024px){.play-now{height:48px}}.play-now{align-items:center;background-color:#000;border-radius:5px;color:#fff;display:flex;font:600 14px Merriweather;height:40px;justify-content:center;min-width:135px;width:135px}.play-now svg{fill:currentColor;margin-left:10px;width:22px}@keyframes slideInFromLeft{0%{transform:translateX(-250%)}to{transform:translateX(0)}}@keyframes slideInFromTop{0%{transform:translateY(-250%)}to{transform:translateY(0)}}.toaster{animation:slideInFromTop .5s ease forwards;background-color:#242424;bottom:40px;box-shadow:0 4px 4px 0 #00000014;left:90px;max-width:250px;padding:16px;position:fixed;width:100%;z-index:9}@media(min-width:768px){.toaster{animation:slideInFromLeft .5s ease forwards}}@media(max-width:1023px){.toaster{left:22px}}@media(max-width:767px){.toaster{bottom:auto;left:0;max-width:100%;top:calc(56px + var(--top-offset, 0));z-index:1000}}.toaster-wrapper{color:#fff;display:grid;gap:16px;justify-items:flex-start;position:relative}.toaster__close{position:absolute;right:0;top:0}.fs-icon--close{fill:#fff;height:16px;width:16px}.toaster__headline{font:500 12px/18px Graphik,helvetica,sans-serif}.toaster__article:not(:hover),.toaster__cta:not(:hover){text-decoration:none}.toaster__article{color:#fff;font:500 14px/21px Graphik,helvetica,sans-serif}.toaster__cta{color:#fff;font:12px/18px Graphik,helvetica,sans-serif}header.universal-header header{border-bottom:unset}@font-face{font-family:Schnyder S;font-weight:700;src:url(https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf) format("opentype")}@font-face{font-family:Schnyder S Light;font-weight:400;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("opentype")}@font-face{font-family:Schnyder S Demi;font-weight:300;src:url(https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2) format("woff2")}.newsletter-inline-flex .subscribe-wrapper,.xl-recirc-ad fbs-ad[position=mobilex]:before,.xl-recirc-ad fbs-ad[position=recx]:before,.xl-recirc-ad fbs-ad[position=topx]:before{display:none}.xl-recirc-container{column-gap:80px;display:flex;margin:0 auto;max-width:1216px;padding-top:32px}.xl-recirc-container .right-rail-2,.xl-recirc-container .right-rail-2>div{padding-top:0}@media screen and (min-width:768px){.xl-recirc-container{justify-content:center;padding-top:40px;width:calc(100% - 64px)}}.xl-recirc-container .three-card-stream .card-stream-container h3,.xl-recirc-container .two-sections .two-card-article h2{color:#333;text-transform:capitalize}@media screen and (max-width:768px){.xl-recirc-container .three-card-stream .card-stream-container h3,.xl-recirc-container .two-sections .two-card-article h2{font-size:16px;line-height:22px}}.xl-recirc-standard{width:95%}@media screen and (max-width:1024px){.xl-recirc-standard{width:100%}}.xl-recirc-standard .xl-recirc .section-title{font:600 18px/27px Graphik,helvetica,sans-serif;margin:0}@media screen and (min-width:768px){.xl-recirc-standard .two-sections{padding:40px 0 24px}}.xl-recirc-standard .three-card-stream .card-stream-container h3,.xl-recirc-standard .two-sections .two-card-article h2{font-size:14px;line-height:21px}@media screen and (max-width:768px){.xl-recirc-standard .three-card-stream .card-stream-container h3,.xl-recirc-standard .two-sections .two-card-article h2{margin-top:8px}.xl-recirc-standard .card-article>div,.xl-recirc-standard .card-stream-container>div,.xl-recirc-standard .card-stream>div,.xl-recirc-standard .two-card-article>div{line-height:1}}.xl-recirc-ad .inline-ad-container{padding:0}.xl-recirc-inline-ad{box-sizing:border-box;padding:30px 0 10px}@media screen and (max-width:768px){.xl-recirc-inline-ad{padding:36px 16px 16px}}.xl-recirc-inline-ad .topx-ad{min-height:90px}.vetted-recirc-container .xl-recirc .section-title{font-size:24px}@media screen and (max-width:768px){.vetted-recirc-container .xl-recirc .section-title{font-size:20px}.vetted-recirc-container .three-card-stream{margin-top:-16px;padding-top:0}.vetted-recirc-container .two-sections{padding-top:0}}.vetted-recirc-container a{text-decoration:none}@media screen and (min-width:1024px){.vetted-recirc-container{max-width:938px}}@media screen and (min-width:1280px){.vetted-recirc-container{max-width:1136px}}@media screen and (min-width:1330px){.vetted-recirc-container{max-width:1100px}}@media screen and (min-width:768px){.vetted-recirc-container{justify-content:flex-start}}@media screen and (max-width:768px){.vetted-recirc-container{padding-top:32px;width:100%}}.recirc-right-rail{height:fit-content;min-width:332px;padding:16px;position:sticky;top:56px}.xl-recirc .section-title{font:700 32px/38px SchnyderSBold,serif;padding-bottom:4px}@media screen and (max-width:768px){.xl-recirc .section-title{line-height:30px;margin:0;padding-bottom:24px}}.xl-recirc .custom-stream{font:400 12px/18px Graphik,helvetica,sans-serif}@media screen and (max-width:768px){.xl-recirc .custom-stream{margin-bottom:16px}}.xl-recirc .custom-stream span:first-child{color:#333;margin-right:3px}.xl-recirc .custom-stream a{color:#333;font-weight:400;text-transform:capitalize}.xl-recirc .custom-stream span:last-child{color:#737373}@media screen and (min-width:768px){.xl-recirc{max-width:700px}}.two-sections{column-gap:16px;display:flex;padding:40px 0 26px}.two-sections .custom-stream{padding-bottom:0}@media screen and (max-width:768px){.two-sections .custom-stream{border-bottom:1px solid #e3e3e3;margin-bottom:0;padding-bottom:16px}}.two-sections .two-card-article h2{-webkit-line-clamp:2;-webkit-box-orient:vertical;display:-webkit-box;font:500 16px/24px Graphik,helvetica,sans-serif;margin-bottom:8px;overflow:hidden;text-overflow:ellipsis}@media screen and (max-width:768px){.two-sections .two-card-article h2{font:500 18px/27px Graphik,helvetica,sans-serif}.two-sections{flex-direction:column;padding:32px 0 16px;row-gap:16px}}.three-card-stream{display:flex;flex-direction:column;padding:40px 0 24px;row-gap:16px}@media screen and (max-width:768px){.three-card-stream{padding-top:32px}}.three-card-stream .card-stream-container:not(:last-child){border-bottom:1px solid #e3e3e3}.three-card-stream .card-stream-container span:only-child{font-family:Graphik,helvetica,sans-serif}.three-card-stream .card-stream-container{padding-bottom:0}.three-card-stream .card-stream-container h3{-webkit-line-clamp:2;-webkit-box-orient:vertical;color:#333;display:-webkit-box;font:500 16px/22px Graphik,helvetica,sans-serif;overflow:hidden;text-overflow:ellipsis}.three-card-stream .card-stream-container h3 a{color:currentColor}.three-card-stream .card-stream-container img{max-height:90px;max-width:160px}@media screen and (min-width:768px){.three-card-stream .card-stream-container{padding-bottom:24px}.three-card-stream .card-stream-container>:first-child{flex:0 0 160px;height:90px}}@media screen and (max-width:768px){.three-card-stream .custom-stream{padding-bottom:0}.xl-recirc-container-concise{padding-top:0}}.three-card-stream-concise{padding-top:0}.four-card-article{column-gap:30px;display:flex;padding:16px 0 0}@media screen and (max-width:768px){.four-card-article{flex-direction:column;padding:0 0 16px}.four-card-article .card-article:not(:last-child){border-bottom:1px solid #e3e3e3;margin-bottom:16px}}.four-card-article .card-stream-container{width:100%}.four-card-article .card-article h2{-webkit-line-clamp:4;-webkit-box-orient:vertical;display:-webkit-box;font:500 18px/27px Graphik,helvetica,sans-serif;margin-bottom:8px;overflow:hidden;text-overflow:ellipsis}@media screen and (max-width:768px){.four-card-article .card-article h2{font-size:16px;line-height:22px}}.four-card-article .card-stream:not(:last-child){padding-bottom:16px}@media screen and (max-width:768px){.four-card-article .card-stream:not(:last-child){padding-bottom:0}.four-card-article .card-stream{margin-bottom:16px;padding-bottom:0}}.four-card-article .card-stream:not(:last-child){border-bottom:1px solid #e3e3e3}@media screen and (min-width:768px){.four-card-article .card-stream:not(:first-child){padding-top:16px}}.four-card-article .card-stream h3{-webkit-line-clamp:2;-webkit-box-orient:vertical;color:#333;display:-webkit-box;font:500 16px/24px Graphik,helvetica,sans-serif;overflow:hidden;text-overflow:ellipsis}.four-card-article .card-stream h3 a{color:currentColor}@media screen and (max-width:768px){.four-card-article .card-stream h3{font-size:14px;line-height:20px}}.four-card-article .card-stream span:only-child{color:#737373;font-family:Graphik,helvetica,sans-serif;font-size:12px;line-height:15px}@media screen and (min-width:768px){.four-card-article .card-stream span:only-child{font-size:12px;line-height:18px}.four-card-article .card-stream>div:first-child>div{margin-bottom:0}}.four-card-article.is-reversed{flex-direction:row-reverse}@media screen and (max-width:768px){.four-card-article.is-reversed{flex-direction:column}}.xl-recirc-standard .four-card-article .card-article h2,.xl-recirc-standard .four-card-article .card-stream h3{font-size:14px;line-height:20px;margin-bottom:8px}@media screen and (max-width:768px){.xl-recirc-standard .four-card-article .card-article h2,.xl-recirc-standard .four-card-article .card-stream h3{margin-top:8px}}.xl-recirc .four-card-article .card-article h2{color:#333;text-transform:capitalize}.genAiSummary{border:1px solid #e2e2e2;border-width:1px 0;margin-top:8px;padding:16px 0}.genAiSummary span{padding:0}.genAiSummary ul{list-style:disc;max-width:calc(100% - 18px)}.genAiSummary a{text-decoration:underline}.summaryIcon{display:flex}.summaryIcon svg{height:14px;width:14px}.summaryIcon path{fill:#0062ff}.highlightText{-webkit-tap-highlight-color:rgba(0,0,0,0);background-color:#ebf2ff;color:#003891;cursor:pointer;padding:.27em 0 .26em;position:relative}.highlightText:hover{background-color:#e5efff}.highlightText:active{background-color:#e0ecff}.highlightIcon{display:inline-block;height:1em;position:relative;width:12px}@media screen and (max-width:480px){.highlightIcon{width:10px}}.highlightIcon svg{height:10px;margin-left:-2px;position:absolute;top:2px;width:14px}@media screen and (max-width:480px){.highlightIcon svg{margin-left:-4px}}.highlightIcon svg g,.highlightIcon svg path{fill:#0062ff}.gamesPromoContainer{border-bottom:1px solid #e3e3e3;border-top:1px solid #e3e3e3;margin:16px 0!important;padding:24px 0}@media(max-width:479px){.gamesPromoContainer{margin:32px 0!important;padding:16px 0}}.gamesPromoContainer p{margin:0}.gamesPromoTitleContainer{margin-bottom:24px}@media(max-width:479px){.gamesPromoTitleContainer{margin-bottom:16px}}.gamesPromoTitle{color:#333;font:500 24px/36px Graphik,helvetica,sans-serif}@media(max-width:479px){.gamesPromoTitle{font-size:18px;line-height:28px}}.gamesPromoGamesListContainer{display:grid;gap:24px;grid-template-columns:repeat(2,1fr)}@media(max-width:767px){.gamesPromoGamesListContainer{gap:16px}}@media(max-width:479px){.gamesPromoGamesListContainer{grid-template-columns:1fr}.gamesPromoGamesListContainer>:not(:last-child){border-bottom:1px solid #e3e3e3;padding-bottom:16px}}.gamesPromoGamesListContainer a:hover{text-decoration:none}.gamesPromoGame{align-items:start;color:#333;display:grid;gap:16px;grid-template-columns:minmax(80px,auto) 1fr;justify-content:flex-start}@media(max-width:479px){.gamesPromoGame{grid-template-columns:minmax(60px,auto) 1fr}}.gamesPromoLogo{display:block;height:80px;width:80px}@media(max-width:479px){.gamesPromoLogo{height:60px;width:60px}}.gamesPromoContent{align-items:flex-start;display:flex;flex-direction:column;justify-content:space-between;padding-top:2px}.gamesPromoNameContainer{margin-bottom:8px}@media(max-width:479px){.gamesPromoNameContainer{margin-bottom:4px}}.gamesPromoName{color:#333;font-family:Graphik,helvetica,sans-serif;font-size:16px;line-height:24px}@media(max-width:479px){.gamesPromoName{font-size:14px;line-height:21px}}.gamesPromoNameRest{font-weight:500}.gamesPromoNameFrase{font-weight:400}.gamesPromoFraseGreenText{color:#0e7c70;font:500 14px/21px Graphik,helvetica,sans-serif}@media(max-width:479px){.gamesPromoFraseGreenText{font-size:12px;line-height:18px}}.separator{color:#333}.gamesPromoFraseBy{margin-right:4px}.gamesPromoFraseForbes{display:inline-block;position:relative}.gamesPromoFraseTrademark{bottom:-8px;font:400 12px/18px Graphik,helvetica,sans-serif;position:absolute;right:-12px}.gamesPromoDescriptionContainer{align-items:flex-start;display:flex;justify-content:flex-start;margin-bottom:8px}@media(max-width:479px){.gamesPromoDescriptionContainer{margin-bottom:4px}}.gamesPromoDescription{color:#737373;font:400 14px/20px Graphik,helvetica,sans-serif}@media(max-width:479px){.gamesPromoDescription{font-size:12px;line-height:18px}}.gamesPromoContent .gamesPromoLinkButton{color:#003891;font:500 14px/20px Graphik,helvetica,sans-serif;text-decoration:underline}</style><link rel="preload" href="https://imageio.forbes.com/specials-images/imageserve/673cc3ec1eb5880189eb5408/desktop-cio-next-2024-illustration-by-Viktor-Gausa-for-Forbes/0x0.jpg?format=jpg&amp;height=747&amp;width=1440" type="image"><link rel="preload" as="font" href="https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2" type="font/woff2" crossorigin><link rel="preload" as="font" href="https://i.forbesimg.com/assets/fonts/Graphik/Graphik-Medium-Web.woff2" type="font/woff2" crossorigin><link rel="preload" as="font" href="https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2" type="font/woff2" crossorigin><link rel="preload" as="font" href="https://i.forbesimg.com/assets/fonts/EuclidCircular/EuclidCircularB-Regular.otf" type="font/otf" crossorigin><link rel="preload" as="font" href="https://i.forbesimg.com/assets/fonts/Schnyder/SchnyderCondL-Bold.otf" type="font/otf" crossorigin><link rel="preload" as="font" href="https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2" type="font/woff2" crossorigin><link rel="preload" as="font" href="https://i.forbesimg.com/assets/fonts/work-sans/worksans-regular-webfont.woff2" type="font/woff2" crossorigin><script defer type="text/javascript" src="https://i.forbesimg.com/simple-site/dist/js/common-addcf60755236d178c50.js"></script><script defer type="text/javascript" src="https://i.forbesimg.com/simple-site/dist/js/desktopArticle-54394b4ecfba90f5a53f.js"></script><script type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","url":"https://www.forbes.com/sites/richardnieva/2024/11/19/the-forbes-cio-next-list-2024/","image":{"@type":"ImageObject","url":"https://imageio.forbes.com/specials-images/imageserve/673cc40bdb5e2760d19792b9/0x0.jpg?format=jpg&height=900&width=1600&fit=bounds","width":542.79,"height":304.6},"publisher":{"@type":"NewsMediaOrganization","name":"Forbes","url":"https://www.forbes.com/","ethicsPolicy":"https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/","logo":"https://imageio.forbes.com/i-forbesimg/media/amp/images/forbes-logo-dark.png?format=png&height=455&width=650&fit=bounds"},"headline":"The Forbes CIO Next List: 2024","description":"Discover Forbes' 2024 CIO Next list, featuring top Chief Information Officers and tech leaders driving transformation and digital strategy in today's tech landscape.","datePublished":"2024-11-19T06:30:26-05:00","dateModified":"2024-12-05T13:44:43-05:00","articleSection":"Innovation","name":"The Forbes CIO Next List: 2024","isAccessibleForFree":"True","author":[{"@type":"Person","name":"Richard Nieva","url":"https://www.forbes.com/sites/richardnieva/","description":"Richard Nieva is a San Francisco-based senior writer who covers technology. He joined Forbes in 2022 and covers public companies and artificial intelligence. Previously, he wrote for BuzzFeed News, CNET and Fortune Magazine, and his work has been featured in The New York Times, CNN and the Columbia Journalism Review. He’s a graduate of Santa Clara University and the Columbia Journalism School. Follow him on X at @richardjnieva and send him tips at rnieva@forbes.com.","sameAs":[],"jobTitle":"","knowsAbout":"Richard Nieva is a Forbes senior writer covering technology.","worksFor":{"@type":"NewsMediaOrganization","name":"Forbes","url":"https://www.forbes.com/"},"affiliation":"Richard Nieva"}]}</script><script type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Forbes Homepage","item":"https://www.forbes.com/"},{"@type":"ListItem","position":2,"name":"Innovation","item":"https://www.forbes.com/innovation/"}]}</script><link rel="icon" href="https://i.forbesimg.com/48X48-F.png"><link rel="alternate" type="application/rss+xml" title="The Forbes CIO Next List: 2024 - RSS" href="https://www.forbes.com/sites/richardnieva/feed/"><link rel="canonical" itemprop="url" href="https://www.forbes.com/sites/richardnieva/2024/11/19/the-forbes-cio-next-list-2024/"><meta name="referrer" content="no-referrer-when-downgrade"><meta name="description" itemprop="description" content="Discover Forbes' 2024 CIO Next list, featuring top Chief Information Officers and tech leaders driving transformation and digital strategy in today's tech landscape."><meta name="keywords" itemprop="keywords" content="Marian Lee Netflix,Tariq Hassan McDonald's,Dara Treseder Autodesk,Forbes CMO Hall of Fame,Frank Cooper Visa,William White Walmart,Andrea Brimmer Ally Financial,Asmita Dubey L'Oreal,Chris Davis New Balance,Kofi Amoo-Gottfriend DoorDash"><meta name="news_keywords" itemprop="keywords" content="Marian Lee Netflix,Tariq Hassan McDonald's,Dara Treseder Autodesk,Forbes CMO Hall of Fame,Frank Cooper Visa,William White Walmart,Andrea Brimmer Ally Financial,Asmita Dubey L'Oreal,Chris Davis New Balance,Kofi Amoo-Gottfriend DoorDash"><meta name="author" itemprop="author" content="Richard Nieva"><meta property="article:channel" itemprop="articleChannel" content="Innovation"><meta property="article:section" itemprop="articleSection" content="Innovation"><meta property="article:section_url" content="https://www.forbes.com/innovation/"><meta property="article:id" content="blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793"><meta property="article:published" itemprop="datePublished" content="2024-11-19"><meta property="article:modified" itemprop="dateModified" content="2024-12-05"><meta property="article:publisher" content="https://www.facebook.com/forbes"><meta property="article:author" content="Richard Nieva"><meta property="og:title" content="The Forbes CIO Next List: 2024"><meta property="og:site_name" content="Forbes"><meta property="og:type" content="article"><meta property="og:url" content="https://www.forbes.com/sites/richardnieva/2024/11/19/the-forbes-cio-next-list-2024/"><meta property="og:image" content="https://imageio.forbes.com/specials-images/imageserve/673cc40bdb5e2760d19792b9/0x0.jpg?format=jpg&amp;height=900&amp;width=1600&amp;fit=bounds" name="image"><meta property="og:description" content="Discover Forbes' 2024 CIO Next list, featuring top Chief Information Officers and tech leaders driving transformation and digital strategy in today's tech landscape."><meta property="og:updated_time" content="2024-12-05T13:44:56.534-05:00"><meta property="fb:app_id" content="123694841080850"><meta property="apple-itunes-app" content="app-id=588647136"><meta name="twitter:card" content="summary_large_image"><meta name="twitter:site" content="@forbes"><meta name="twitter:creator" content=""><meta name="twitter:title" content="The Forbes CIO Next List: 2024"><meta name="twitter:description" content="Discover Forbes' 2024 CIO Next list, featuring top Chief Information Officers and tech leaders driving transformation and digital strategy in today's tech landscape."><meta name="twitter:image" itemprop="image" content="https://imageio.forbes.com/specials-images/imageserve/673cc40bdb5e2760d19792b9/0x0.jpg?format=jpg&amp;height=600&amp;width=1200&amp;fit=bounds"><meta name="news_keywords" itemprop="keywords" content="Marian Lee Netflix,Tariq Hassan McDonald's,Dara Treseder Autodesk,Forbes CMO Hall of Fame,Frank Cooper Visa,William White Walmart,Andrea Brimmer Ally Financial,Asmita Dubey L'Oreal,Chris Davis New Balance,Kofi Amoo-Gottfriend DoorDash"><meta name="robots" content="max-image-preview:large"></head><body><div class="main-content main-content--desktop-article main-content--universal-header main-content--premium-article"><header class="header universal-header"><div class="header" id="globalHeader"><header class="_5jL4nbZg" role="banner"><div class="nKfcv-Ux"><div class="dN9h-rXs"><div role="button" tabindex="0" class="USVF4LaM" aria-label="Open Navigation Menu"><svg class="hamburger_svg__fs-icon hamburger_svg__fs-icon--hamburger" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M20 6v2H4V6h16zm0 5v2H4v-2h16zm0 5v2H4v-2h16z"></path></svg></div></div><div class="LE8pB25c"><a class="_5MfnUGiW newsLetterSubscriptionLink" href="https://account.forbes.com/newsletters" target="_blank" rel="noreferrer"><span class="tzX7W8zX">Subscribe To Newsletters</span><span class="jyxDkm4x"><svg class="envelope_svg__fs-icon envelope_svg__fs-icon--envelope" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 15 15"><path fill-rule="evenodd" clip-rule="evenodd" d="M13.667 2c0-.733-.6-1.333-1.333-1.333H1.667C.934.667.334 1.267.334 2v8c0 .733.6 1.333 1.333 1.333h10.667c.733 0 1.333-.6 1.333-1.333V2zm-1.332 0L7 5.333 1.668 2h10.667zm0 8H1.668V3.333l5.333 3.334 5.334-3.334V10z"></path></svg></span></a></div></div><div class="ABr9cx9r"><div class="center"></div><a aria-label="Forbes Logo" class="_1NZmb47g" href="https://www.forbes.com/"><svg class="forbes-logo_svg__fs-icon forbes-logo_svg__fs-icon--forbes-logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"><path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path></svg></a></div><div class="wOXWlwEZ"><nav class="qWN3kcjB"><a aria-label="Search" class="K8E0pmcH _00AX4IpY" href="https://www.forbes.com/search/" type="button"><svg class="search_svg__fs-icon search_svg__fs-icon--search" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M9.5 14C7 14 5 12 5 9.5S7 5 9.5 5 14 7 14 9.5 12 14 9.5 14zm6 0h-.8l-.3-.3c1-1.1 1.6-2.6 1.6-4.2C16 5.9 13.1 3 9.5 3S3 5.9 3 9.5 5.9 16 9.5 16c1.6 0 3.1-.6 4.2-1.6l.3.3v.8l5 5 1.5-1.5-5-5z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" class="sparkles_svg__fs-icon sparkles_svg__fs-icon--sparkles" viewBox="0 0 19 19" fill="currentcolor"><path d="M11.755 14.214a5.055 5.055 0 00-.954-1.39 5.06 5.06 0 00-1.346-.983c.513-.24.972-.548 1.373-.933.405-.391.734-.846.995-1.36.244.521.558.985.952 1.388a5 5 0 001.345.973 5.04 5.04 0 00-1.375.943 5.043 5.043 0 00-.99 1.362zM5.21 4.128a3.414 3.414 0 00-.973.948 3.422 3.422 0 00-.946-.976 3.39 3.39 0 00.974-.944 3.38 3.38 0 00.945.972z" stroke="currentcolor" stroke-width="1.5"></path></svg></a></nav></div></header></div></header><div class="beta-flag beta-flag-hidden"><div class="beta-flag-label"><div class="beta-flag-info-icon"><svg class="fs-icon fs-icon--info" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"><path fill="#010101" d="M28.3 38.4h3.3v-10h-3.3v10zM30 13.3c-9.2 0-16.7 7.5-16.7 16.7S20.8 46.7 30 46.7 46.7 39.2 46.7 30 39.2 13.3 30 13.3zm0 30.1c-7.4 0-13.4-6-13.4-13.4s6-13.4 13.4-13.4 13.4 6 13.4 13.4-6 13.4-13.4 13.4zM28.3 25h3.3v-3.3h-3.3V25z"/></svg></div><div class="beta-flag-text">BETA</div></div><div class="beta-flag-info">THIS IS A BETA EXPERIENCE. OPT-OUT&nbsp<span>HERE</span><div class="beta-close-icon"><svg class="fs-icon fs-icon--close" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path transform="rotate(45.001 10 10)" d="M2 9h16v2H2z"/><path transform="rotate(134.999 10 10)" d="M2 9h16v2H2z"/></svg></div></div></div><article class="pay-wall-content content_673b94f952cead20f0bc7793 current-page" id="article-container-0"><fbs-ad class="ntv-contentd" position="ntv-contentd" ad-id="ntv-contentd" batched></fbs-ad><style>@font-face{font-family: "Graphik"; src: url("https://i.forbesimg.com/assets/fonts/graphik/graphik-bold.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/graphik/graphik-bold.woff") format("woff"); font-weight: 700; font-style: normal;} @font-face{font-family: "Merriweather"; src: url("https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff") format("woff"); font-weight: 700; font-style: normal;} @font-face{font-family: "Graphik XCond"; src: url("https://i.forbesimg.com/assets/fonts/graphik-xcond/graphik-xcond-bold.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/graphik-xcond/graphik-xcond-bold.woff") format("woff"); font-weight: 700; font-style: normal;} @font-face{font-family: "Graphik"; src: url("https://i.forbesimg.com/assets/fonts/graphik/graphik-regular.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/graphik/graphik-regular.woff") format("woff"); font-weight: 400; font-style: normal;} @font-face{font-family: "Merriweather"; src: url("https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff") format("woff"); font-weight: 400; font-style: normal;} @font-face{font-family: "Graphik XCond"; src: url("https://i.forbesimg.com/assets/fonts/graphik-xcond/graphik-xcond-medium.woff2") format("woff2"), url("https://i.forbesimg.com/assets/fonts/graphik-xcond/graphik-xcond-medium.woff") format("woff"); font-weight: 400; font-style: normal;} .content_673b94f952cead20f0bc7793 .color-accent{color: #181716;} .content_673b94f952cead20f0bc7793 .bg-accent{background-color: #181716;} .content_673b94f952cead20f0bc7793 .article-body blockquote:not(.quote-embed){color: #181716;} .content_673b94f952cead20f0bc7793 .article-body blockquote:before{background: #181716;} .content_673b94f952cead20f0bc7793 .color-base{color: #F4F9FC;} .content_673b94f952cead20f0bc7793 .bg-base{background-color: #F4F9FC;} .content_673b94f952cead20f0bc7793 .article-body .finds-embed button{color: #F4F9FC;} .content_673b94f952cead20f0bc7793 .color-body{color: #333333;} .content_673b94f952cead20f0bc7793 .color-body-border{border-top-color: rgba(51,51,51, 0.8);border-bottom-color: rgba(51,51,51, 0.8);} .bg-body{background-color: #333333;} .content_673b94f952cead20f0bc7793 .color-link{color: #003891;} .content_673b94f952cead20f0bc7793 .{background-color: #003891;} .content_673b94f952cead20f0bc7793 .article-body .finds-embed{background: #003891;} .content_673b94f952cead20f0bc7793 .font-accent{font-family: Graphik,Helvetica,Arial,sans-serif;} .content_673b94f952cead20f0bc7793 .article-body blockquote:not(.quote-embed){font-family: Graphik,Helvetica,Arial,sans-serif;} .content_673b94f952cead20f0bc7793 .font-base{font-family: "Merriweather",serif;} .content_673b94f952cead20f0bc7793 .font-body{font-family: Georgia,Cambria,"Times New Roman",Times,serif;} .content_673b94f952cead20f0bc7793 .headline-embed.color-accent, .content_673b94f952cead20f0bc7793 .headline-embed .color-accent{color: #D6EBFA;} .content_673b94f952cead20f0bc7793 .headline-embed.bg-accent, .content_673b94f952cead20f0bc7793 .headline-embed .bg-accent{background-color: #D6EBFA;} .content_673b94f952cead20f0bc7793 .headline-embed.color-base, .content_673b94f952cead20f0bc7793 .headline-embed .color-base{color: #181716;} .content_673b94f952cead20f0bc7793 .headline-embed.bg-base, .content_673b94f952cead20f0bc7793 .headline-embed .bg-base{background-color: #181716;} .content_673b94f952cead20f0bc7793 .headline-embed.font-base, .content_673b94f952cead20f0bc7793 .headline-embed .font-base{font-family: "Graphik XCond","Work Sans",sans-serif;} .content_673b94f952cead20f0bc7793 .headline-embed.font-size, .content_673b94f952cead20f0bc7793 .headline-embed .font-size{font-size: 72px;} .content_673b94f952cead20f0bc7793 .quote-embed.color-accent, .content_673b94f952cead20f0bc7793 .quote-embed .color-accent{color: #F4F9FC;} .content_673b94f952cead20f0bc7793 .quote-embed.bg-accent, .content_673b94f952cead20f0bc7793 .quote-embed .bg-accent{background-color: #F4F9FC;} .content_673b94f952cead20f0bc7793 .quote-embed.color-base, .content_673b94f952cead20f0bc7793 .quote-embed .color-base{color: #181716;} .content_673b94f952cead20f0bc7793 .quote-embed.bg-base, .content_673b94f952cead20f0bc7793 .quote-embed .bg-base{background-color: #181716;} .content_673b94f952cead20f0bc7793 .quote-embed.font-accent, .content_673b94f952cead20f0bc7793 .quote-embed .font-accent{font-family: "Graphik XCond","Work Sans",sans-serif;} .content_673b94f952cead20f0bc7793 .quote-embed.font-size p, .content_673b94f952cead20f0bc7793 .quote-embed .font-size p{font-size: 54px;} .content_673b94f952cead20f0bc7793 .quote-embed.text-align p, footer, .content_673b94f952cead20f0bc7793 .quote-embed .text-align p, footer{text-align: center;} .content_673b94f952cead20f0bc7793 .subhead-embed.color-accent, .content_673b94f952cead20f0bc7793 .subhead-embed .color-accent{color: #181716;} .content_673b94f952cead20f0bc7793 .subhead-embed.bg-accent, .content_673b94f952cead20f0bc7793 .subhead-embed .bg-accent{background-color: #181716;} .content_673b94f952cead20f0bc7793 .subhead-embed.color-base, .content_673b94f952cead20f0bc7793 .subhead-embed .color-base{color: initial;} .content_673b94f952cead20f0bc7793 .subhead-embed.bg-base, .content_673b94f952cead20f0bc7793 .subhead-embed .bg-base{background-color: initial;} .content_673b94f952cead20f0bc7793 .subhead-embed.font-accent, .content_673b94f952cead20f0bc7793 .subhead-embed .font-accent{font-family: "Graphik XCond","Work Sans",sans-serif;} .content_673b94f952cead20f0bc7793 .subhead-embed.font-size, .content_673b94f952cead20f0bc7793 .subhead-embed .font-size{font-size: 36px;} .content_673b94f952cead20f0bc7793 .subhead3-embed.color-body, .content_673b94f952cead20f0bc7793 .subhead3-embed .color-body{color: #181716;} .content_673b94f952cead20f0bc7793 .subhead3-embed.color-body-border{border-top-color: rgba(24,23,22, 0.8);border-bottom-color: rgba(24,23,22, 0.8);} .bg-body, .content_673b94f952cead20f0bc7793 .subhead3-embed .color-body-border{border-top-color: rgba(24,23,22, 0.8);border-bottom-color: rgba(24,23,22, 0.8);} .bg-body{background-color: #181716;} .content_673b94f952cead20f0bc7793 .subhead3-embed.font-accent, .content_673b94f952cead20f0bc7793 .subhead3-embed .font-accent{font-family: "Graphik XCond","Work Sans",sans-serif;} .content_673b94f952cead20f0bc7793 .subhead3-embed.font-size, .content_673b94f952cead20f0bc7793 .subhead3-embed .font-size{font-size: 30px;} .content_673b94f952cead20f0bc7793 .subhead3-embed.text-align, .content_673b94f952cead20f0bc7793 .subhead3-embed .text-align{text-align: left;} .content_673b94f952cead20f0bc7793 .subhead4-embed.color-body, .content_673b94f952cead20f0bc7793 .subhead4-embed .color-body{color: #181716;} .content_673b94f952cead20f0bc7793 .subhead4-embed.color-body-border{border-top-color: rgba(24,23,22, 0.8);border-bottom-color: rgba(24,23,22, 0.8);} .bg-body, .content_673b94f952cead20f0bc7793 .subhead4-embed .color-body-border{border-top-color: rgba(24,23,22, 0.8);border-bottom-color: rgba(24,23,22, 0.8);} .bg-body{background-color: #181716;} .content_673b94f952cead20f0bc7793 .subhead4-embed.font-accent, .content_673b94f952cead20f0bc7793 .subhead4-embed .font-accent{font-family: Graphik,Helvetica,Arial,sans-serif;} .content_673b94f952cead20f0bc7793 .subhead4-embed.font-size, .content_673b94f952cead20f0bc7793 .subhead4-embed .font-size{font-size: 18px;}</style><div class="anchor-navbar__wrapper"><div class="anchor-navbar__wrapper--desktop"><div class="anchor-navbar__carousel" style="background: #181716; color: #F4F9FC; font-family: Graphik;"><fbs-carousel class="anchor-navbar__carousel fbs-slider _dbl656jckoo00 fbs-slider--initialized" data-fbs-carousel-config-id="_dbl656jckoo00"><style data-fbs-carousel-prerender-styles="" type="text/css"> fbs-carousel { display: block; } ._dbl656jckoo00 .fbs-slider__slides { width: 100%; } ._dbl656jckoo00 .fbs-slider__controls { display: block; } ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="67q6i3f4oaa000"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="bjnp2kj91bh800"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="ak5idoealo7c00"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="mfehh34mdhqo0"] { display: block; width: 25%;} @media all and (min-width: 300px) { ._dbl656jckoo00 .fbs-slider__controls { display: block; } ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="67q6i3f4oaa000"] { display: block; width: 33.333333333333336%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="bjnp2kj91bh800"] { display: block; width: 33.333333333333336%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="ak5idoealo7c00"] { display: block; width: 33.333333333333336%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="mfehh34mdhqo0"] { display: none;} } @media all and (min-width: 1050px) { ._dbl656jckoo00 .fbs-slider__controls { display: block; } ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="67q6i3f4oaa000"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="bjnp2kj91bh800"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="ak5idoealo7c00"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="mfehh34mdhqo0"] { display: block; width: 25%;} } @media all and (min-width: 1260px) { ._dbl656jckoo00 .fbs-slider__controls { display: block; } ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="67q6i3f4oaa000"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="bjnp2kj91bh800"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="ak5idoealo7c00"] { display: block; width: 25%;} ._dbl656jckoo00 .fbs-slider__slide[data-fbs-carousel-slide-id="mfehh34mdhqo0"] { display: block; width: 25%;} }</style><div class="fbs-slider__slides-wrapper"><div class="fbs-slider__slides" style="width: 100%; transform: translateX(0px);"><div class="fbs-slider__slide active primary" data-fbs-carousel-slide-id="67q6i3f4oaa000" aria-hidden="false" tabindex="0"><a class="anchor-navbar__title" data-ga-track="Anchor Link 1 - A-F" href="#anchorTag-1-673b94f952cead20f0bc7793" aria-hidden="false" tabindex="0">A-F</a></div><div class="fbs-slider__slide active" data-fbs-carousel-slide-id="bjnp2kj91bh800" aria-hidden="false" tabindex="0"><a class="anchor-navbar__title" data-ga-track="Anchor Link 2 - G-K" href="#anchorTag-2-673b94f952cead20f0bc7793" aria-hidden="false" tabindex="0">G-K</a></div><div class="fbs-slider__slide active" data-fbs-carousel-slide-id="ak5idoealo7c00" aria-hidden="false" tabindex="0"><a class="anchor-navbar__title" data-ga-track="Anchor Link 3 - L-P" href="#anchorTag-3-673b94f952cead20f0bc7793" aria-hidden="false" tabindex="0">L-P</a></div><div class="fbs-slider__slide active" data-fbs-carousel-slide-id="mfehh34mdhqo0" aria-hidden="false" tabindex="0"><a class="anchor-navbar__title" data-ga-track="Anchor Link 4 - R-Z" href="#anchorTag-4-673b94f952cead20f0bc7793" aria-hidden="false" tabindex="0">R-Z</a></div></div></div><div class="fbs-slider__controls"><button class="fbs-slider__control-left fbs-slider__control--hidden fbs-slider__foucs disabled" data-ga-track="Anchor Link - Carousel Previous" aria-label="Arrow Left"><svg class="fs-icon fs-icon--arrow-left" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M10 5l-7 7 7 7 1.4-1.4L6.8 13H21v-2H6.8l4.6-4.6z"></path></svg></button><button class="fbs-slider__control-right disabled" data-ga-track="Anchor Link - Carousel Next" aria-label="Arrow Right"><svg class="fs-icon fs-icon--arrow-right" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M12.6 6.4l4.6 4.6H3v2h14.2l-4.6 4.6L14 19l7-7-7-7z"></path></svg></button></div><script> window.FbsCarouselConfig = window.FbsCarouselConfig || {}; window.FbsCarouselConfig['_dbl656jckoo00'] = {"inView":4,"slidesToScroll":0,"looping":false,"slides":[{"textContent":"<a class=\"anchor-navbar__title\" data-ga-track=\"Anchor Link 1 - A-F\" href=\"#anchorTag-1-673b94f952cead20f0bc7793\">A-F</a>","scope":{"anchorNav":{"id":1,"text":"A-F","anchorId":"anchorTag-1-673b94f952cead20f0bc7793"}},"id":"67q6i3f4oaa000"},{"textContent":"<a class=\"anchor-navbar__title\" data-ga-track=\"Anchor Link 2 - G-K\" href=\"#anchorTag-2-673b94f952cead20f0bc7793\">G-K</a>","scope":{"anchorNav":{"id":2,"text":"G-K","anchorId":"anchorTag-2-673b94f952cead20f0bc7793"}},"id":"bjnp2kj91bh800"},{"textContent":"<a class=\"anchor-navbar__title\" data-ga-track=\"Anchor Link 3 - L-P\" href=\"#anchorTag-3-673b94f952cead20f0bc7793\">L-P</a>","scope":{"anchorNav":{"id":3,"text":"L-P","anchorId":"anchorTag-3-673b94f952cead20f0bc7793"}},"id":"ak5idoealo7c00"},{"textContent":"<a class=\"anchor-navbar__title\" data-ga-track=\"Anchor Link 4 - R-Z\" href=\"#anchorTag-4-673b94f952cead20f0bc7793\">R-Z</a>","scope":{"anchorNav":{"id":4,"text":"R-Z","anchorId":"anchorTag-4-673b94f952cead20f0bc7793"}},"id":"mfehh34mdhqo0"}],"breakpoints":[{"breakpoint":"@media all and (min-width: 1260px)","config":{"inView":4,"slidesToScroll":0,"looping":false}},{"breakpoint":"@media all and (min-width: 1050px)","config":{"inView":4,"slidesToScroll":0,"looping":false}},{"breakpoint":"@media all and (min-width: 300px)","config":{"inView":3,"slidesToScroll":1,"looping":false}}]}; </script></fbs-carousel></div></div></div><main class="main-content--body premium color-body bg-base" id="article-stream-0"><div class="edit-story-container hide-button edit-premium"><a class="edit-story-call" href="https://bertie.forbes.com/#/compose?id=673b94f952cead20f0bc7793" rel="noopener noreferrer" target="_blank" role="button"><svg class="fs-icon fs-icon--edit" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path fill="#030303" d="M16.2 1C17.7 1 19 2.3 19 3.8c0 .6-.2 1.2-.6 1.7l-1.1 1.1-3.9-3.9 1.1-1.1c.5-.4 1.1-.6 1.7-.6zM2.1 13.9L1 19l5.1-1.1L16.5 7.5l-3.9-3.9L2.1 13.9zm11.5-6.5l-7.9 7.9-1-1 7.9-7.9 1 1z"/></svg><span>Edit Story</span></a></div><div class="premium-header-hero-container bleed-above" data-ratio="51.87500000000001"><div class="hero-image-container bleed-above"><div class="hero-image-block bleed-above " style="padding-bottom: 51.87500000000001%;"><img class="hero-image" alt="desktop-cio next 2024-illustration by Viktor Gausa for Forbes" role="presentation" src="https://imageio.forbes.com/specials-images/imageserve/673cc3ec1eb5880189eb5408/desktop-cio-next-2024-illustration-by-Viktor-Gausa-for-Forbes/0x0.jpg?format=jpg&amp;height=747&amp;width=1440"></div></div><div class="article-headline-container premium-header headline-embed color-accent hero-format-bleed-above hero-position-bleed-above hero-alignment--center"><div class="header-background-container bg-accent color-base"></div><div class="header-content-container"><div class="top-label-wrapper top-label--center-headline center-hidden-premium"><!-- display BREAKING badge on the left--><!-- display other badges on the right--><a class="bertie-badge color-base" data-ga-track="eyebrow-daily-cover" data-vars-event-label="eyebrow-daily-cover" href="https://www.forbes.com/daily-cover-stories">Daily Cover</a></div><h1 class="fs-headline speakable-headline font-base font-size fs-headline__standard color-base">The Forbes CIO Next List: 2024</h1></div></div></div><div class="hero-image-premium-article-credit credit-no-contrib"><span class="hero-image-caption premium-light-text">L-R, Phil Venables; Yvonne Hodge; Jeff Seaton</span><span class="hero-image-credit premium-light-text"> illustration by Viktor Miller Gausa for Forbes.</span></div><div class="premium-article-wrapper bg-base"><div class="premium-wrapper"><div class="premium-container body-container no-authors-margin"><div class="color-accent hide-contribs with-border bleed-above top-contrib-block" style="border-color: "><div class="contribs"><div class="contrib-container top-contrib bottom-padding"><div class="fs-author-group-wrapper no-padding"><div class="has-follow-button contrib-byline"><div class="fs-author-wrapper"><span class="fs-author-name"><a class="remove-underline author-name--tracking color-body contrib-link--name" data-ga-track="contrib block byline" href="https://www.forbes.com/sites/richardnieva/" title="https://www.forbes.com/sites/richardnieva/" aria-label="Richard Nieva">Richard Nieva</a><div class="contrib-label-container"><span class="color-body premium-light-text contrib-byline-type">Forbes Staff</span></div></span></div><div class="short-bio color-body light-text premium-short-bio"><span>Richard Nieva is a Forbes senior writer covering technology.</span></div></div><fbs-cordial type="Follow" natural-id="blogAuthorId/blog/author/5009211" author-slug="richardnieva" page-position="top"><a class="following-label" href="https://account.forbes.com/following" target="blank" title="https://account.forbes.com/following" aria-label="Following"><svg class="fs-icon fs-icon--check-mark" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path fill-rule="evenodd" clip-rule="evenodd" d="M10 2.9c-3.9 0-7.1 3.2-7.1 7.1s3.2 7.1 7.1 7.1 7.1-3.2 7.1-7.1-3.2-7.1-7.1-7.1zm-.7 10.3l-3-2.1.7-1 2 1.4 3.4-4.9 1 .7-4.1 5.9z"/></svg><span>Following</span></a></fbs-cordial></div></div></div></div><div class="top-contrib-block__premium with-border no-authors-margin"><div class="premium-sharing-container"><div class="anchors-container"><div class="article-sharing-premium"><div class="social-share-menu"><svg class="fs-icon fs-icon--share" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M18 16.1c-.8 0-1.4.3-2 .8l-7.1-4.2c.1-.2.1-.5.1-.7s0-.5-.1-.7L16 7.2c.5.5 1.2.8 2 .8 1.7 0 3-1.3 3-3s-1.3-3-3-3-3 1.3-3 3c0 .2 0 .5.1.7L8 9.8C7.5 9.3 6.8 9 6 9c-1.7 0-3 1.3-3 3s1.3 3 3 3c.8 0 1.5-.3 2-.8l7.1 4.2c-.1.2-.1.4-.1.6 0 1.6 1.3 2.9 2.9 2.9s2.9-1.3 2.9-2.9-1.2-2.9-2.8-2.9z"/></svg></div></div><div class="save-article-wrapper save-premium-wrapper" data-naturalid="blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793" data-uri="https://www.forbes.com/sites/richardnieva/2024/11/19/the-forbes-cio-next-list-2024/"></div><div class="for-you-popup premium-card"></div></div></div><div class="metrics-channel"><div class="content-data metrics-text color-body light-text color-base metrics-text"><time>Nov 19, 2024,</time><span class="time"><time>06:30am EST</time></span></div></div></div><div class="updated-timestamp">Updated Dec 5, 2024, 01:44pm EST</div><div class="article-body-container"><div class="article-body fs-article fs-premium fs-responsive-text current-article font-body color-body bg-base font-accent"><h3 class="subhead3-embed color-body bg-base font-accent font-size text-align">Recognizing the 50 top tech leaders transforming their companies for a new era of AI.</h3> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align"><sub>Edited By </sub><a href="https://www.forbes.com/sites/alexknapp/" target="_self" class="color-link" title="https://www.forbes.com/sites/alexknapp/" data-ga-track="InternalLink:https://www.forbes.com/sites/alexknapp/" aria-label="Alex Knapp"><sub data-ga-track="InternalLink:https://www.forbes.com/sites/alexknapp/">Alex Knapp</sub></a><sub> and </sub><a href="https://www.forbes.com/sites/richardnieva/" target="_self" class="color-link" title="https://www.forbes.com/sites/richardnieva/" data-ga-track="InternalLink:https://www.forbes.com/sites/richardnieva/" aria-label="Richard Nieva"><sub data-ga-track="InternalLink:https://www.forbes.com/sites/richardnieva/">Richard Nieva</sub></a><sub>, Editorial Operations: </sub><a href="https://www.forbes.com/sites/elisabethbrier/?sh=1e7d1ab22eb4" target="_self" class="color-link" title="https://www.forbes.com/sites/elisabethbrier/?sh=1e7d1ab22eb4" data-ga-track="InternalLink:https://www.forbes.com/sites/elisabethbrier/?sh=1e7d1ab22eb4" aria-label="Elisabeth Brier"><sub data-ga-track="InternalLink:https://www.forbes.com/sites/elisabethbrier/?sh=1e7d1ab22eb4">Elisabeth Brier</sub></a></h4> <div class="article_paragraph_2"></div> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align"><sub>Reported By Emma Kinery and Bella Sayegh</sub></h4><hr class="embed-base rule-embed color-accent border-solid weight-light"><div class="embed-base embedly-align"><fbs-embedly iframe-src="https://embedly.forbes.com/widgets/media.html?src=https%3A%2F%2Fe.infogram.com%2F_%2FGse6vnLvSn89DWyw31Eu%3Fsrc%3Dembed&amp;display_name=Infogram&amp;url=https%3A%2F%2Finfogram.com%2F1pnn1z2j6zrln5cz7gjpq0egmyameqy7xv1&amp;image=https%3A%2F%2Finfogram-thumbs-1024.s3-eu-west-1.amazonaws.com%2F8d303d34-6180-4abd-9a3d-251c801f711f.jpg&amp;type=text%2Fhtml&amp;schema=infogram" style="padding-bottom: 14.29%;"></fbs-embedly></div> <p><abbr class="drop-cap color-accent font-accent">If</abbr> the future of business is AI, then these are the people leading the charge.</p> <div class="halfway_hardwall_1"></div> <p>As artificial intelligence continues its march into the mainstream — generating billions in investment and research — it has gained particular traction in enterprise. Almost two-thirds of organizations say they’re now using AI in at least one business function, up from a third last year, according to a May <a href="https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-state-of-ai" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-state-of-ai" data-ga-track="ExternalLink:https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-state-of-ai" aria-label="report">report</a> from consulting giant McKinsey. And 67% expect their companies to invest even more in AI over the next three years.</p> <div class="halfway_hardwall_2"></div> <p>The executives in charge of making those deployments are often Chief Information Officers, navigating new terrain with a fast evolving technology full of possibility. These new opportunities mean there may be no job in the corporate C-suite that has changed more in recent years than the CIO. This list honors them and those beyond that title: Chief Information Security Officers, Chief Digital Officers, Chief Technology Officers, and the like.</p> <div class="halfway_hardwall_3"></div> <p>Now in its fifth year, the Forbes CIO Next list recognizes executives in the U.S. across a wide array of sectors: trillion-dollar tech giants like Google and Microsoft, banks and financial services firms like Visa and Capital One, household brands like Coca-Cola and United Airlines, and even government officials from NASA and the city of San Francisco.</p> <div class="halfway_hardwall_4"></div> <div class="article_paragraph_7"></div><fbs-ad position="top" progressive="" ad-id="article-0-top"></fbs-ad> <p>In 2024, generative AI was a unifying trend for many of the organizations honored. Some are using chatbots to help employees conjure up answers for their armies of customer service representatives. Others are using AI models to help train employees internally on company policies, or mitigate cybersecurity threats. Still others are using AI to manage supply chains and handle logistics. For many, the deployments have resulted in tangible gains, like revenue growth, time saved and operations scaled. Not every CIO on the list is pushing their company heavily into AI, but it’s a persistent driving force as workplaces look to adapt for the future.</p> <p>To compile this list, <em>Forbes</em> sent out a call for nominations and consulted with experts and trade organizations to find worthy candidates. After reviewing hundreds of names, <em>Forbes</em> staffers poured through applications to find 50 standouts that exemplify excellence in the role. Of note, this list isn’t ranked; instead, it’s meant to be a spotlight on the best and brightest in the field. We prioritized candidates who are making big impacts at their companies, with recent accomplishments and tangible successes.</p><blockquote class="embed-base quote-embed embed-216 bg-accent color-base font-accent font-size text-align bleed"><p>The Forbes CIO Next List 2024 </p></blockquote><hr class="embed-base rule-embed color-accent border-solid weight-light"> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align anchorPoint" data-anchor-id="anchorTag-1-673b94f952cead20f0bc7793" id="anchorTag-1-673b94f952cead20f0bc7793"><span class="anchor-flag"></span><strong style="background-color: initial; color: rgb(24, 23, 22);">A-F</strong></h2><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-293 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9dab99cc442272e51092/cio-headshot-circle-0018-cio-headshot-Adams-Michael-Zoom/0x0.png?fit=scale" alt="cio-headshot-circle_0018_cio-headshot-Adams-Michael-Zoom" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/michael-adams/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/michael-adams/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/michael-adams/?list=cio-next" aria-label="Michael Adams"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/michael-adams/?list=cio-next">Michael Adams</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CISO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Zoom</strong></h4> <p>The pandemic transformed Zoom into one of the most popular video conferencing tools, largely because of its reliability, security and other easy-to-use features. That’s in no small part due to the work of Michael Adams, Zoom’s chief information security officer, who is spearheading the company’s product development and cybersecurity. Adams, who joined the company four years ago as Counsel to the COO and CISO, and his team have overhauled Zoom’s approach to security tools internally and externally, enhanced security and privacy settings for the software, and restructured the company’s security data pipeline to result in over $1 million in savings a year. He also played a key role in creating Zoom’s Bug Bounty Program to incentivize additional security testing for new products. The result? In 2024, Zoom was ranked one of the two top companies under the Build Security In Mature Model (BSIMM) initiative, the leading standard for measuring the maturity of a product security program.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-295 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9df4fcdc38694a0dbb3b/cio-headshot-circle-0049-cio-headshot-Bharadwaj-Anu-Atlassian/0x0.jpg?fit=scale" alt="cio-headshot-circle_0049_cio-headshot-Bharadwaj-Anu-Atlassian" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/anu-bharadwaj/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/anu-bharadwaj/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/anu-bharadwaj/?list=cio-next" aria-label="Anu Bharadwaj"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/anu-bharadwaj/?list=cio-next">Anu Bharadwaj</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>President</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Atlassian</strong></h4> <p>Anu Bharadwaj first joined Atlassian a decade ago as Head of Product for Jira, the company’s proprietary bug-tracking software. Under her leadership, Atlassian has expanded into service workflows, knowledge management and cross-functional collaboration, with the aim of becoming a wall-to-wall operating system for teamwork. Using tech to streamline operations is something the company has implemented in its own workforce. In the past four years, Atlassian has doubled its workforce and transitioned to a fully-remote, office-optional company. Today, 40% of employees live more than two hours from the closest office, greatly expanding its talent pool. Bharadwaj also encouraged early adoption of AI. Its first AI product, Rovo, which includes search, chat and automation functions, was released in October.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-297 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9e2a26626cf39bddd50f/cio-headshot-circle-0030-cio-headshot-Birnbaum-Jason-United-Airlines/0x0.jpg?fit=scale" alt="cio-headshot-circle_0030_cio-headshot-Birnbaum-Jason-United-Airlines" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/jason-birnbaum/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/jason-birnbaum/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/jason-birnbaum/?list=cio-next" aria-label="Jason Birnbaum"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/jason-birnbaum/?list=cio-next">Jason Birnbaum</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>United Airlines</strong></h4> <p>From powering features like Connection-Saver, which helps passengers make connections between flights, to providing real-time flight updates and automatic rebookings when things don’t go as planned, Jason Birnbaum has his hands full as CIO at United Airlines. Birnbaum has transformed United to be a technological leader in the airline industry, leading United’s transition to the cloud and expanding access to technology jobs through United’s Innovate apprentice program, which recruits individuals from nontraditional backgrounds to join the technology workforce. By equipping frontline workers with digital tools, Birnbaum has prioritized how technology can best support everyone – from customers and gate agents to technicians and pilots.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-1"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-301 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9e8202e5f33255344737/cio-headshot-circle-0044-cio-headshot-Bradley-Bolivar-Fannie-Mae/0x0.png?fit=scale" alt="cio-headshot-circle_0044_cio-headshot-Bradley-Bolivar-Fannie-Mae" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/bradley-bolivar/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/bradley-bolivar/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/bradley-bolivar/?list=cio-next" aria-label="Bradley Bolivar"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/bradley-bolivar/?list=cio-next">Bradley Bolivar</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO and SVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Fannie Mae</strong></h4> <p>In Bradley Bolivar’s four years at Fannie Mae, he has rapidly risen to the role of CIO and changed the way the organization utilizes technology. The tech division composes 40% of Fannie Mae employees and is key to the company’s mission of increasing access to affordable homeownership and rental housing. In 2023, the enterprise provided assistance to more than half a million very low and low income renters and homebuyers. As CIO, Bolivar led the push over the last year to move the majority of Fannie Mae’s operations to the cloud and create an automated backup and recovery system for cloud assets. For 2025, he is focused on expanding risk management tools, completing the cloud migration and increasing Fannie Mae’s use of automation.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-303 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9ebf35b0a4cb6a07fac0//0x0.png?fit=scale" alt="cio-headshot-circle_0026_cio-headshot-Chik-Joy-Microsoft,-Secure-Future-Initiative,-Identity-and-Access-Management" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/joy-chik/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/joy-chik/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/joy-chik/?list=cio-next" aria-label="Joy Chik"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/joy-chik/?list=cio-next">Joy Chik</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>President, Identity and Access Management, and Executive Sponsor, Secure Future Initiative</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Microsoft</strong></h4> <p>Joy Chik leads the engineering side of the Microsoft Secure Future Initiative – a task the CEO named the company’s top priority. It is the largest cybersecurity operation in Microsoft’s history with 34,000 engineers working on the project. In addition, Chik is the president of the company’s multi-billion dollar Identity and Network Access security business, safeguarding customers across all their devices. Since she began, that organization has grown its revenue more than 200% and expanded to include eight products. Her work has been essential in helping Microsoft prevent identity theft, the top driver of cyberattacks, through the creation of the Zero Trust identity and access controls for its software products.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-305 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9edfe1ea4fa74b1adfb4/cio-headshot-circle-0038-cio-headshot-Chrapaty-Debra-Toast/0x0.png?fit=scale" alt="cio-headshot-circle_0038_cio-headshot-Chrapaty-Debra-Toast" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/debra-chrapaty/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/debra-chrapaty/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/debra-chrapaty/?list=cio-next" aria-label="Debra Chrapaty"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/debra-chrapaty/?list=cio-next">Debra Chrapaty</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CTO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Toast</strong></h4> <p>Growing up above her family’s restaurant in Philadelphia, Debra Chrapaty knows firsthand how important reliable technology is to running a successful business. As CTO at Toast, a point of sale and management software made for restaurants, Chrapaty is focused on improving customer experiences and restaurant efficiency. Last year, Chrapaty and her team led the launch of the Toast mobile app, which allows restaurant managers to access key metrics and reporting features on the go. She was also integral to creating Toast’s improved point of sale system that streamlines restaurant workflows and speeds up service, crucial on a busy Saturday night. Plus, she’s the executive sponsor of Toast’s LGTBQIA+ community, Multigrain.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-307 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9ef5b993469b33c91967/cio-headshot-circle-0051-cio-headshot-Davidson-Alan-Broadcom/0x0.png?fit=scale" alt="cio-headshot-circle_0051_cio-headshot-Davidson-Alan-Broadcom" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/alan-davidson/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/alan-davidson/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/alan-davidson/?list=cio-next" aria-label="Alan Davidson"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/alan-davidson/?list=cio-next">Alan Davidson</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Broadcom</strong></h4> <p>Broadcom acquired VMware in November of last year and as CIO in charge of the Global Technology Organization, Alan Davidson was key to the integration of the two companies. Within three days after the acquisition closed, Davidson’s team completed the onboarding of thousands of new employees. In just over five months, his team had consolidated applications, eliminating 1,800 redundancies and improving efficiency.His team is on track to complete the infrastructure consolidation by January, just 14 months after the acquisition. The end result will be a 65% reduction in legacy VMware infrastructure and an estimated 90% increase in efficiency and utilization.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-2"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-309 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9f42cf2e718de892078a/cio-headshot-circle-0050-cio-headshot-Dunkin-Ann-Dept-of-Energy/0x0.png?fit=scale" alt="cio-headshot-circle_0050_cio-headshot-Dunkin-Ann-Dept-of-Energy" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/ann-dunkin/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/ann-dunkin/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/ann-dunkin/?list=cio-next" aria-label="Ann Dunkin"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/ann-dunkin/?list=cio-next">Ann Dunkin</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Department of Energy</strong></h4> <p>As CIO of the Department of Energy, Ann Dunkin is responsible for a $6 billion budget that tackles not only technological innovation but also cybersecurity for the nation’s nuclear stockpile, power grid and national labs. Prior to her current job, Dunkin served as CIO of the Environmental Protection Agency, city of Santa Clara and CTO of Dell, giving her a long history of leveraging strategic partnerships to usher in digital transformation and growth. At the DOE, Dunkin has published department-wide guidance for responsible AI usage, developed a supply-chain risk management program, created a playbook for scaling IT modernization and developed organizational digital strategies.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-311 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9f5a9af5b052111bd4e2/cio-headshot-circle-0008-cio-headshot-Durvasula-Sastry-TIAA/0x0.png?fit=scale" alt="cio-headshot-circle_0008_cio-headshot-Durvasula-Sastry-TIAA" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/sastry-durvasula/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/sastry-durvasula/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/sastry-durvasula/?list=cio-next" aria-label="Sastry Durvasula"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/sastry-durvasula/?list=cio-next">Sastry Durvasula</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Operating, Information and Digital Officer</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>TIAA</strong></h4> <p>Sastry Durvasula heads up technology at the Teachers Insurance and Annuity Association of America (TIAA), a private financial retirement services company for those in government, academic or research fields. In 2024, Durvasula launched the company’s generative AI platform, called TIAA gAIt, which helps associates answer complex customer questions and improves customers’ search experiences on the TIAA website. AI tools have put the company is on track to reduce its call center operating budget by 30% over the next five years.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-313 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9f71b11398a9fb5d426d/cio-headshot-circle-0016-cio-headshot-Finkelstein-Motti-Intel/0x0.png?fit=scale" alt="cio-headshot-circle_0016_cio-headshot-Finkelstein-Motti-Intel" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/motti-finkelstein/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/motti-finkelstein/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/motti-finkelstein/?list=cio-next" aria-label="Motti Finkelstein"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/motti-finkelstein/?list=cio-next">Motti Finkelstein</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO and Corporate VP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Intel</strong></h4> <p>At Intel, Motti Finkelstein leads digital innovation for the chipmaking giant. Finkelstein’s crowning achievement has been helping to establish Intel’s IDM 2.0 Acceleration Office, which will allow Intel to standardize processes across its design, manufacturing and business teams; he has also mobilized IT support to improve supply chain management and decrease costs. Finkelstein leads his team with a “think like business owners” mindset, which has allowed the IT department to focus on restructuring its operations and deliver more than $1.5 billion in business impact through increased cash flows and quicker time-to-market for new technologies. Finkelstein has also played a key role in the company’s AI strategy, spearheading the launch of “AI Inside,” to improve productivity.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-3"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-409 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba6c5589b52871b72e57d/cio-headshot-circle-0023-cio-headshot-Fonseca-Lidia-Pfizer/0x0.jpg?fit=scale" alt="cio-headshot-circle_0023_cio-headshot-Fonseca-Lidia-Pfizer" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/lidia-fonseca/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/lidia-fonseca/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/lidia-fonseca/?list=cio-next" aria-label="Lidia Fonseca"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/lidia-fonseca/?list=cio-next">Lidia Fonseca</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Digital and Technology Officer, and Executive Vice President</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Pfizer</strong></h4> <p>Fonseca leads all the data solutions and products across Pfizer, and has spearheaded digitizing processes such as drug discovery and clinical development. To that end, Pfizer launched a suite of digital products to connect patents and physicians. She’s also been working to streamline digital processes in manufacturing and distribution. Since she took the charge as CIO, her teams have automated over 90% of 100 million transactional processes across the company.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-315 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9f9d9059c58c43032c3b/cio-headshot-circle-0025-cio-headshot-Kelle-Headshot-KPMG/0x0.png?fit=scale" alt="cio-headshot-circle_0025_cio-headshot-Kelle-Headshot-KPMG" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/kelle-fontenot/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/kelle-fontenot/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/kelle-fontenot/?list=cio-next" aria-label="Kelle Fontenot"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/kelle-fontenot/?list=cio-next">Kelle Fontenot</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Digital Officer</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>KPMG</strong></h4> <p>Kelle Fontenot is responsible for executing KPMG’s digital strategy, with a unique blend of visionary thinking, strategic acumen and business savvy. At the onset of the generative AI boom in early 2023, Fontenot and her team sprang into action to launch KPMG GenAI, an internal, secure AI platform helping employees deliver results to the firm’s clients by speeding up workflows, within just a few months. Now, her team is focused on integrating Microsoft Copilot into KPMG’s workflows to streamline workers’ efficiency and deliver more value to the firm’s partners and clients.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-317 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9fb1b993469b33c91969/cio-headshot-circle-0042-cio-headshot-Frey-Bridget-Redfin/0x0.png?fit=scale" alt="cio-headshot-circle_0042_cio-headshot-Frey-Bridget-Redfin" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/bridget-frey/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/bridget-frey/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/bridget-frey/?list=cio-next" aria-label="Bridget Frey"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/bridget-frey/?list=cio-next">Bridget Frey</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CTO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>RedFin</strong></h4> <p>Redfin’s goal is to make buying and selling a home easier, and technology is key to that. Under Bridget Frey’s watch, Redfin’s mobile apps and website reached 52 million average monthly users in the second quarter, making it one of the top three real estate sites in the U.S. After reworking its automated tour scheduling tool, its use tripled, increasing traffic to agents and generating an additional $30 million in revenue over 18 months. Her team also created Agent Tools, an internal software streamlining tasks. As a result, Redfin agents now close three times as many deals as traditional agents. Frey was the only woman on the Seattle-based engineering team when she joined in 2011, but after her overhaul of recruiting practices, a third of the team are women and 9% are Black or Latino.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align anchorPoint" data-anchor-id="anchorTag-2-673b94f952cead20f0bc7793" id="anchorTag-2-673b94f952cead20f0bc7793"><span class="anchor-flag"></span><strong>G-K</strong></h2><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-321 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673b9ffb678652591f22840d/cio-headshot-circle-0002-cio-headshot-Gurumurthy-Vivek-Verizon-Global-Services/0x0.png?fit=scale" alt="cio-headshot-circle_0002_cio-headshot-Gurumurthy-Vivek-Verizon-Global-Services" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/vivek-gurumurthy/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/vivek-gurumurthy/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/vivek-gurumurthy/?list=cio-next" aria-label="Vivek Gurumurthy"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/vivek-gurumurthy/?list=cio-next">Vivek Gurumurthy</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO and SVP Consumer and Business Group</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Verizon Consumer Group</strong></h4> <p>Vivek Gurumurthy has been focused on making Verizon’s app more than a place where customers pay their phone bills. As CIO of the Verizon Consumer Group, which was created in 2019 to carve out the wireless giant’s consumer products from business and core technology, he has championed making the Verizon app a place where customers can do things like shop for devices or tickets to concerts or sporting events. As a result, digital and app orders now make up around 30% of revenue for the division, up from 10% before the pandemic. Gurumurthy’s team also implemented generative AI tools for Verizon’s teams to help with customer service, allowing them to answer questions and look up information with a 95% accuracy rate.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-4"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-323 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba02ae7ab12d7f6e38f80/cio-headshot-circle-0001-cio-headshot-Hodge-Yvonne-Lockheed-Martin/0x0.png?fit=scale" alt="cio-headshot-circle_0001_cio-headshot-Hodge-Yvonne-Lockheed-Martin" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/yvonne-hodge/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/yvonne-hodge/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/yvonne-hodge/?list=cio-next" aria-label="Yvonne Hodge"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/yvonne-hodge/?list=cio-next">Yvonne Hodge</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO and</strong> <strong>Senior Vice President, Enterprise Business and Digital Transformation</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong> Lockheed Martin</strong></h4> <p>A 22-year veteran of the company, Yvonne Hodge and her team of 5,000 employees at Lockheed Martin manage all of the multi-billion dollar aerospace and defense giant’s internal tech infrastructure. Lockheed Martin announced its OneLM Transformation program, led by Hodge to streamline and modernize the company’s business processes and systems using digital technologies to enhance efficiency, team collaboration and standardize processes. Hodge was also instrumental to a strategic agreement between Lockheed Martin and Microsoft to power classified cloud innovations and artificial intelligence for the Department of Defense.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-325 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba2b2febbd08a6d130eb6/cio-headshot-circle-0005-cio-headshot-Iyer-Shanthi-DocuSign/0x0.png?fit=scale" alt="cio-headshot-circle_0005_cio-headshot-Iyer-Shanthi-DocuSign" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/shanthi-iyer/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/shanthi-iyer/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/shanthi-iyer/?list=cio-next" aria-label="Shanthi Iyer"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/shanthi-iyer/?list=cio-next">Shanthi Iyer</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Docusign</strong></h4> <p>Since joining Docusign three years ago, CIO Shanthi Iyer has focused on centralizing Docusign’s data platforms and the governance that goes along with them, helping teams make more informed decisions. Iyer helped Docusign implement its own product, the Intelligent Agreement Management system, for all of its own legal and internal documents, enabling its staff to act as “customer zero” and learn firsthand how to make the tool better. The software allows companies to access all documents, contracts and agreements on a single platform, and provides data analytics and insights as well. This has enabled Iyer to help increase productivity by 30% across HR, legal and procurement teams, and consolidated 100% of the company’s legal agreements into a single repository.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-327 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba2d50aad4e25e84e35c3/cio-headshot-circle-0000-cio-headshot-Zulfi-Jeevanjee-AllState/0x0.png?fit=scale" alt="cio-headshot-circle_0000_cio-headshot-Zulfi-Jeevanjee-AllState" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/zulfikar-jeevanjee/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/zulfikar-jeevanjee/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/zulfikar-jeevanjee/?list=cio-next" aria-label="Zulfikar Jeevanjee"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/zulfikar-jeevanjee/?list=cio-next">Zulfikar Jeevanjee</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO and EVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Allstate</strong></h4> <p>Zulfikar Jeevanjee joined Allstate in late 2022 after holding senior leadership roles at Wells Fargo and CVS Health. Since stepping into the CIO role, Jeevanjee and his team have created a new operating model that divided over 7,000 employees into teams of 8-12 people for Allstate’s technology organization. To help teams settle into the organizational changes, Jeevanjee launched a peer-to-peer certification program to measure how well teams are operating and identify areas for improvement.The shift, which had the goal of making teams more efficient and customer-centric, has accelerated the development and product rollout for the company’s property-liability business.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-329 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba30f76826ed9dd973ed7/cio-headshot-circle-0035-cio-headshot-Johnson-Eric-PagerDuty/0x0.png?fit=scale" alt="cio-headshot-circle_0035_cio-headshot-Johnson-Eric-PagerDuty" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/eric-johnson-5/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/eric-johnson-5/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/eric-johnson-5/?list=cio-next" aria-label="Eric Johnson"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/eric-johnson-5/?list=cio-next">Eric Johnson</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>PagerDuty</strong></h4> <p>PagerDuty CIO Eric Johnson is trying to transform its IT operation, moving it from a cost center to one that drives the business: helping clients respond to and prevent server outages. (The name comes from the practice of Amazon engineers being on “pager duty” when they were on call to respond to outages, aptly coined by cofounder and Amazon alum Alex Solomon.) To do that, he created a dedicated automation team whose entire focus is to create more efficient processes, like using generative AI to help teams more quickly convert leads to revenue. The group has delivered more than $1 million in full-time employee savings since its launch in mid-2024. An AI copilot Johnson’s team launched has also saved employees two to three hours of time per week.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-5"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-331 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba32d820872c37675045b/cio-headshot-circle-0010-cio-headshot-Johnson-Rani-Workday/0x0.png?fit=scale" alt="cio-headshot-circle_0010_cio-headshot-Johnson-Rani-Workday" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/rani-johnson/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/rani-johnson/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/rani-johnson/?list=cio-next" aria-label="Rani Johnson"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/rani-johnson/?list=cio-next">Rani Johnson</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Workday</strong></h4> <p>Rani Johnson has only been in her role as CIO at Workday since 2023 but has already made significant changes to the company with a focus on AI and improving security. She heads the company’s AI Executive Advisory Board and under her leadership, Workday has rolled out 30 AI tools with an additional 20 slated to be released next year. She led a substantial security-first update to the company’s tech infrastructure this year that included a Zero Trust security model and company-wide use of Zscaler. Under her watch, 78 core applications now use Okta automated identity management. Her leadership utilizing the program led to her landing a keynote spot at Oktane 2024, discussing security with Okta’s CEO.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-333 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba34aea38b291c31e695c/cio-headshot-circle-0048-cio-headshot-Katz-Arnie-GoFundMe/0x0.png?fit=scale" alt="cio-headshot-circle_0048_cio-headshot-Katz-Arnie-GoFundMe" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/arnie-katz/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/arnie-katz/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/arnie-katz/?list=cio-next" aria-label="Arnie Katz"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/arnie-katz/?list=cio-next">Arnie Katz</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Product &amp; Technology Officer</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>GoFundMe</strong></h4> <p>GoFundMe’s embrace of artificial intelligence led by Chief Product and Technology Officer Arnie Katz has transformed online fundraising. Organizations and individuals in need of cash can use GoFundMe’s opt-in AI storytelling functions to craft eloquent and compelling asks with suggested titles, social copy and requests. Katz’s team utilized machine learning to create suggested ask amounts based on $30 billion worth of de-identified data transactions. The move increased donations by 11%. With the new unique share links, people can see the direct impact their advocacy has had when they post a Gofundme ask, including the number of donors inspired and amount raised from their post. His team also launched a program called Giving Cart which enables nonprofits to motivate donors to support multiple campaigns in one transaction and encourage increased amounts – in testing, 15% of givers opted to use it to donate to several causes.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-335 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba364ccf2c4d735ea83df/cio-headshot-circle-0052-cio-headshot-Khurana-Akash-Wesco-International/0x0.png?fit=scale" alt="cio-headshot-circle_0052_cio-headshot-Khurana-Akash-Wesco-International" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/akash-khurana/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/akash-khurana/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/akash-khurana/?list=cio-next" aria-label="Akash Khurana"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/akash-khurana/?list=cio-next">Akash Khurana</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Information &amp; Digital Officer</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Wesco International</strong></h4> <p>Supply chain management and logistics is Wesco International’s business and as CIO and CDO, Akash Khurana has used AI, cloud computing and data analytics to build comprehensive improvements to its business. Under his watch, system reliability has improved while maintenance costs have fallen by 15%. Khurana’s new digital platform has significantly cut stock shortages and increased customer retention. The real-time data it produces has also improved operations and cut logistics costs. Khurana’s move to digital business models, including subscription services, has contributed to the company’s outsized performance and superior shareholder returns. In addition to his day job, Khurana is on target to earn his doctorate degree in Business Administration, with research in Digital Technologies, AI and Cybersecurity in December.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-337 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba386e8cebe553d5f08b7/cio-headshot-circle-0045-cio-headshot-Kobberod-Becky-Smithsonian/0x0.png?fit=scale" alt="cio-headshot-circle_0045_cio-headshot-Kobberod-Becky-Smithsonian" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/becky-kobberod/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/becky-kobberod/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/becky-kobberod/?list=cio-next" aria-label="Beck Kobberod"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/becky-kobberod/?list=cio-next">Beck Kobberod</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Head of Digital Transformation</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Smithsonian Institution</strong></h4> <p>As the Smithsonian’s first digital transformation chief, Becky Kobberod is tasked with bringing the world’s largest research, educational and museum complex into the 21st century. Along with advancing the institution’s usage of AI to enhance collections, Kobberod is spearheading the Smithsonian’s implementation of a customer relationship management (CRM) software that would consolidate visitor data across all 21 museums, research centers and the National Zoo. With more information on visitors, the institution hopes to transform how it engages with the public to create personalized learning experiences, by tracking visitors’ ticket and donation history to provide recommendations on what other exhibits to visit. For Kobberod, expanding the Smithsonian’s digital footprint and technological reach means that more people can access its resources, hopefully encouraging lifelong learning beyond the physical bounds of Smithsonian museums.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-6"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-339 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba3aeb8e406f9084df0d8/cio-headshot-circle-0013-cio-headshot-Kota-Prakash-Autodesk/0x0.png?fit=scale" alt="cio-headshot-circle_0013_cio-headshot-Kota-Prakash-Autodesk" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/prakash-kota/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/prakash-kota/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/prakash-kota/?list=cio-next" aria-label="Prakash Kota"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/prakash-kota/?list=cio-next">Prakash Kota</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO and SVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Autodesk</strong></h4> <p>At Autodesk, which provides design and software services, Prakash Kota has run the firm’s information technology division for seven years. A company veteran for two decades, last year, he helped the company launch Autodesk One, used by 97% of employees monthly, which offers workers personalized information, job-specific tools and company news. He also led the team developing AutodeskGPT, an enterprise version of ChatGPT for internal use that’s built using OpenAI models. And over the next few years, he’ll support Autodesk’s work with the 2028 Los Angeles Olympics and Paralympics, as the events’ official platform for sustainable venue design.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-343 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba3f3e25bd6ecaab0e9ff/cio-headshot-circle-0004-cio-headshot-Kumar-Suresh-Walmart/0x0.jpg?fit=scale" alt="cio-headshot-circle_0004_cio-headshot-Kumar-Suresh-Walmart" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/suresh-kumar/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/suresh-kumar/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/suresh-kumar/?list=cio-next" aria-label="Suresh Kumar"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/suresh-kumar/?list=cio-next">Suresh Kumar</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Global Chief Technology Officer and Chief Development Officer</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Walmart</strong></h4> <p>Suresh Kumar created Walmart Global Tech when he first joined the company five years ago, consolidating several tech teams across the business. Lately, his focus has been on refining delivery and distribution. Walmart is building a drone delivery program, currently focused on the Dallas-Fort Worth area, that has so far completed over 60,000 drone deliveries in the last two years. Under Kumar’s leadership, the company recently opened its second of five planned high-tech perishable distribution centers, expanded four traditional perishable distribution centers and is retrofitting other centers for automation. More than a third of Walmart’s regional distribution centers are now automated and many are also using autonomous forklifts. By the end of next year, Walmart expects 65% of stores will rely on high-tech centers to manage more than half of their fulfillment volume and decrease unit costs by an average of 20%. Other innovations spearheaded by Kumar’s team aim to improve shopper experience with AI search, AutoReplenish and other initiatives.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align anchorPoint" data-anchor-id="anchorTag-3-673b94f952cead20f0bc7793" id="anchorTag-3-673b94f952cead20f0bc7793"><span class="anchor-flag"></span><strong>L-P</strong></h2><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-346 offsetright" role="presentation"><div style="padding-top:49.09%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba40ec68ca8c563b583cf/cio-headshot-circle-0027-cio-headshot-Lofthouse-Jonathan-Zafar-Shadman-Citi/0x0.png?fit=scale" alt="cio-headshot-circle_0027_cio-headshot-Lofthouse-Jonathan-Zafar-Shadman-Citi" data-height="1080" data-width="2200"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/jonathan-lofthouse-shadman-zafar/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/jonathan-lofthouse-shadman-zafar/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/jonathan-lofthouse-shadman-zafar/?list=cio-next" aria-label="Jonathan Lofthouse and Shadman Zafar"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/jonathan-lofthouse-shadman-zafar/?list=cio-next">Jonathan Lofthouse and Shadman Zafar</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Co-CIOs</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Citigroup</strong></h4> <p>It may be unorthodox to have two CIOs, but Jonathan Lofthouse and Shadman Zafar have been effective when it comes to leading the banking giant’s information technology efforts. Zafar says that he introduced AI and natural language tools that helped reduce fraud alerts by 100 million per year, and launched the Citi Travel Portal, powered by Booking.com, for reserving flights, hotels and rental cars. Lofthouse helped create the company’s Xing Platform for risk analytics, speeding up several processes across the company’s operations. For example, he said the process for stress testing risks in financial contracts went from taking 12 days to one.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-348 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba4367f37e68b2feccb08/cio-headshot-circle-0017-cio-headshot-Makstman-Michael-San-Francisco/0x0.png?fit=scale" alt="cio-headshot-circle_0017_cio-headshot-Makstman-Michael-San-Francisco" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/michael-makstman/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/michael-makstman/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/michael-makstman/?list=cio-next" aria-label="Michael Makstman"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/michael-makstman/?list=cio-next">Michael Makstman</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong> CIO and Head of Department of Technology</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>City of San Francisco</strong></h4> <p>Michael Makstman’s love of local government began early. A refugee from the former USSR, his first job at 14 was through a City of Chicago student work program. There, he learned about municipal service and used his salary to buy his first computer – paving the way to his future career. Under his leadership, as CIO of San Francisco, the city has transformed cybersecurity through the lens of emergency management, emphasizing it as a priority for city leadership–not just the tech staff. Makstman helped to create the Office of Cybersecurity within his department and formulated coordinated response plans in case of emergency, having cyber and emergency management personnel cross-train together and participate in citywide cybersecurity exercises. Makstman also co-founded the Coalition of City CISOs, which shares threat information and best practices across the globe.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-7"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-350 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba4522637abb243962521/cio-headshot-circle-0003-cio-headshot-Martin-Tim-Audible/0x0.png?fit=scale" alt="cio-headshot-circle_0003_cio-headshot-Martin-Tim-Audible" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/tim-martin/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/tim-martin/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/tim-martin/?list=cio-next" aria-label="Tim Martin"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/tim-martin/?list=cio-next">Tim Martin</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CTO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Audible</strong></h4> <p>At Audible, chief technology officer Tim Martin is making it easier for customers to find their new favorite audiobook. Under his leadership, the Amazon-owned audio entertainment platform has accelerated audiobook production with AI-generated speech technology that allows authors to produce audiobooks from their already-published ebook catalog. Earlier this fall, Audible also invited audiobook narrators to create and monetize replicas of their own voices, so that narrators can create more high-production audiobooks with increased quality. Beyond audiobook creation, Martin and his team were also responsible for the launch of Maven, an AI-powered search feature that uses everyday language to search the Audible catalog and help readers find audiobook recommendations, as we all as the launch of a kids profile feature so that customers can cultivate a child-friendly listening space for young readers.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-352 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba4783b940056a34bf50c/cio-headshot-circle-0022-cio-headshot-Mathewson-Mark-Capital-One/0x0.png?fit=scale" alt="cio-headshot-circle_0022_cio-headshot-Mathewson-Mark-Capital-One" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/mark-mathewson-1/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/mark-mathewson-1/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/mark-mathewson-1/?list=cio-next" aria-label="Mark Mathewson"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/mark-mathewson-1/?list=cio-next">Mark Mathewson</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO of Bank Technology</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Capital One</strong></h4> <p>As Capital One’s CIO of bank technology, Mark Mathewson wants to provide customers with technological bells and whistles they wouldn’t normally get from banks. In April, he helped push out a new feature that lets people tap their phones at ATMs instead of swiping a physical card. Earlier this year, he also helped introduce specialized cashier’s check kiosks where customers can get a check issued via QR code, instead of speaking to a teller. Mathewson also rolled out generative AI tools for customer service, used by more than 200 employees across the business.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-449 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673bb31c7f12e434d85be676/cio-headshot-circle-0053-cio-headshot-Mattu-Adhir-NXP/0x0.png?fit=scale" alt="cio-headshot-circle_0053_cio-headshot-Mattu-Adhir-NXP" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/adhir-mattu/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/adhir-mattu/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/adhir-mattu/?list=cio-next" aria-label="Adhir Mattu"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/adhir-mattu/?list=cio-next">Adhir Mattu</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO and SVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>NXP Semiconductors</strong></h4> <p>Adhir Mattu is the CIO of NXP Semiconductors, a manufacturing and design company building semiconductors for carmakers, manufacturers and technology companies. At NXP, Mattu’s team has been responsible for the company’s move to the cloud, which has eliminated bottlenecks for product development and created $150 million in savings across the next three years due to increased efficiency. Along with introducing AI pilot programs and cybersecurity initiatives, Mattu is focused on modernizing NXP’s data and applications. Mattu, formerly at Marvell Technology and Varian Medical Systems, was previously the Chair of the Advisory Board At BayAreaCIO, a leadership network for CIOs.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-354 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba492f284963b50c221d5/cio-headshot-circle-0024-cio-headshot-McCanlies-Laura-IFC/0x0.png?fit=scale" alt="cio-headshot-circle_0024_cio-headshot-McCanlies-Laura-IFC" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/laura-mccanlies/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/laura-mccanlies/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/laura-mccanlies/?list=cio-next" aria-label="Laura McCanlies"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/laura-mccanlies/?list=cio-next">Laura McCanlies</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>International Finance Corporation</strong></h4> <p>Laura McCanlies has made climate-focused innovation and artificial intelligence core to the operation of the International Finance Corporation, a member of the World Bank Group and the largest global entity working on private sector growth in underdeveloped regions. For the IFC, improved efficiency means more private capital toward structural challenges in much-needed areas. To that end, McCanlies created and deployed the Climate Risk Portal which measures the potential threats climate change poses to IFC investments using data and climate modeling. The assessments lead to smarter and more sustainable development decisions, helping to ensure long-term success. She also led AI adoption: More than 5,000 employees utilize ChatIFC, an internal chatbot using OpenAI technology. Additionally, she’s led the implementation of automated processes that have saved an estimated 10,000 hours of manpower.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-419 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba716617bf699d92226be/cio-headshot-circle-0031-cio-headshot-Meyers-Greg-Bristol-Myers-Squibb/0x0.jpg?fit=scale" alt="cio-headshot-circle_0031_cio-headshot-Meyers-Greg-Bristol-Myers-Squibb" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/greg-meyers/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/greg-meyers/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/greg-meyers/?list=cio-next" aria-label="Greg Meyers"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/greg-meyers/?list=cio-next">Greg Meyers</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Digital &amp; Technology Officer</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Bristol Myers Squibb</strong></h4> <p>Since he took on the role in 2022, Greg Meyers' focus has been on advancing the use of AI and machine learning across Bristol Myers Squibb, bringing it to bear on early drug discovery all the way to commercialization. Under his guidance, the company has begun using AI models to predict the possibility of success for a new drug before moving concepts into the lab. Bristol Myers Squibb is also using AI for IT support and to prepare documents needed to begin clinical trials as well as to help respond to regulatory requests.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-8"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-415 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba6ff9f9ab1a3e8d91922/cio-headshot-circle-0043-cio-headshot-Miller-Brad-Moderna/0x0.jpg?fit=scale" alt="cio-headshot-circle_0043_cio-headshot-Miller-Brad-Moderna" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/brad-miller/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/brad-miller/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/brad-miller/?list=cio-next" aria-label="Brad Miller"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/brad-miller/?list=cio-next">Brad Miller</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Moderna</strong></h4> <p>Just two weeks after GPT-4 was launched by OpenAI, Brad Miller’s team at Moderna had already deployed mChat, its own customer AI tool built on top of it. That’s not the only AI initiative that Miller has spearheaded. There’s also DoseID GPT, which helps synthesize and review clinical data to assist scientists. And then there’s Contract Companion GPT, which the company’s legal teams use to summarize complex contracts. Miller also helped build Moderna’s AI Academy to provide education about AI tools for its employees.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-356 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba4a7841bb35fc9efd094/cio-headshot-circle-0021-cio-headshot-Murphy-Mark-3M/0x0.png?fit=scale" alt="cio-headshot-circle_0021_cio-headshot-Murphy-Mark-3M" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/mark-murphy-2/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/mark-murphy-2/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/mark-murphy-2/?list=cio-next" aria-label="Mark Murphy"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/mark-murphy-2/?list=cio-next">Mark Murphy</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Information &amp; Digital Officer and EVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>3M</strong></h4> <p>In the three years Mark Murphy has served as the Chief Information and Digital Officer for 3M, he’s both moved over 92% of the company’s enterprise technology to the cloud and reduced the amount the company spends on technology to facilitate it by over a third. He also helped 3M launch health care device company, Solventum, in 2023, which took in $8.5 billion in revenue last year. Murphy led the push to create a GenAI Center for Excellence in 2023, which both trains employees on efficient artificial intelligence practices and suggests the best 3M products to fit users’ needs.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-358 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba4c1e1f7042ed698b31a/cio-headshot-circle-0007-cio-headshot-Muthukrishnan-Sathish-Ally/0x0.jpg?fit=scale" alt="cio-headshot-circle_0007_cio-headshot-Muthukrishnan-Sathish-Ally" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/sathish-muthukrishnan/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/sathish-muthukrishnan/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/sathish-muthukrishnan/?list=cio-next" aria-label="Sathish Muthukrishnan"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/sathish-muthukrishnan/?list=cio-next">Sathish Muthukrishnan</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Information, Data &amp; Digital Officer</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Ally Financial</strong></h4> <p>After stints working as CTO at Honeywell Aerospace and CIO of Enterprise Digital at American Express, Sathish Muthukrishnan joined Ally Financial in 2020 with a focus on customer experience. He’s strengthened Ally’s technology foundation by creating a consolidated data warehouse and made improvements to its consumer-facing app to be more user-friendly. Last year, Muthukrishnan and the Ally innovation team launched Ally.ai, an in-house generative AI platform that can summarize customer service calls, streamline project management and more. One of Muthukrishnan’s biggest accomplishments has been the creation of a unique coding model that shields customers’ sensitive banking information from AI applications. Ally was also the first U.S. bank to become a member of the Responsible AI Institute, a global nonprofit dedicated to responsible organizational AI usage.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-361 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba4e0735f2ba0e589c449/cio-headshot-circle-0019-cio-headshot-Pint-Melissa-Frontier-Communications/0x0.png?fit=scale" alt="cio-headshot-circle_0019_cio-headshot-Pint-Melissa-Frontier-Communications" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/melissa-pint/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/melissa-pint/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/melissa-pint/?list=cio-next" aria-label="Melissa Pint"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/melissa-pint/?list=cio-next">Melissa Pint</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Digital Information Officer and EVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Frontier Communications</strong></h4> <p>When Melissa Pint joined Frontier Communications in 2021, the company was emerging from bankruptcy. Under a new board, its goal became not only to be profitable but become a leading fiber provider in the country. Information technology was central to this vision. Her leadership pivoted IT to being proactive about decision making, instead of reacting to problems. . Since the revamp, Frontier has more than doubled its fiber footprint and grown its customer base by nearly 60% since 2020, making it the largest pure-play fiber provider in the U.S. with 2.1 million customers reliant on its fiber internet services. Customer service under her watch improved with more than three-quarters of interactions happening online thanks to a new customer service app. Its adoption led to a 30% decrease in customer service calls.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-9"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-363 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba4fda7ffa0c87cab63fc/cio-headshot-circle-0037-cio-headshot-Pinto-Drew-Marriott/0x0.png?fit=scale" alt="cio-headshot-circle_0037_cio-headshot-Pinto-Drew-Marriott" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/drew-pinto/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/drew-pinto/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/drew-pinto/?list=cio-next" aria-label="Drew Pinto"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/drew-pinto/?list=cio-next">Drew Pinto</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong> Chief Revenue &amp; Technology Officer and EVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Marriott International</strong></h4> <p>Drew Pinto’s twenty years at Marriott haven’t stymied his innovative spirit. Pinto serves as Marriott International’s Executive Vice President and Chief Revenue and Technology Officer, a new position combining sales and digital, with the aim of growing Marriott beyond just hotels and into being a travel retailer. With improvements to the Marriott Bonvoy Mobile app, the company has seen double-digit annual growth in both revenue and monthly active users. Pinto oversaw the launch of Business Access by Marriott Bonvoy this summer, an online booking platform that allows businesses to not only reserve Marriott rooms at a discounted rate but also their travel. Since its launch, the program has had twice as many accounts created compared to its target.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-365 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba51f09c29d5253cc4fa2/cio-headshot-circle-0011-cio-headshot-Prasad-Rajendra-Accenture/0x0.jpg?fit=scale" alt="cio-headshot-circle_0011_cio-headshot-Prasad-Rajendra-Accenture" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/rajendra-prasad/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/rajendra-prasad/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/rajendra-prasad/?list=cio-next" aria-label="Rajendra Prasad"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/rajendra-prasad/?list=cio-next">Rajendra Prasad</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Accenture</strong></h4> <p>Rajendra Prasad, known to Accenture's 770,000+ global team as RP, led the implementation of GenWizard, the company’s intelligent automation platform. GenWizard enables the company to provide its clients with a 50% to 75% reduction in their IT costs. The company also says it speeds the process of bringing new ideas to market. Prasad’s other focus has been making Accenture more sustainable through actions like mandating cloud efficiency and utilizing green software engineering methods. He’s also reduced the company’s energy use by controlling device and energy settings for over 500,000 workstations. Under his leadership, Accenture now reuses or recycles 100% of its e-waste like computers and servers.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-406 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba6a20111bc7bc963d22c/cio-headshot-circle-0032-cio-headshot-Previn-Fletcher-Cisco/0x0.jpg?fit=scale" alt="cio-headshot-circle_0032_cio-headshot-Previn-Fletcher-Cisco" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/fletcher-previn/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/fletcher-previn/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/fletcher-previn/?list=cio-next" aria-label="Fletcher Previn"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/fletcher-previn/?list=cio-next">Fletcher Previn</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Cisco</strong></h4> <p>For two years Fletcher Previn has led Cisco’s IT department, working to integrate AI tools that will help employees be productive. With previous stints at Walmart and IBM, Previn’s focus on employee engagement has led to improved passwordless, secure internal sign-ins, as well as increased confidence in productivity and reliability among users of Cisco technology. Previn led the company’s charge in creating its own, internal ChatGPT tool to help employees increase productivity and assist them in completing daily tasks like data retrieval.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-10"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align anchorPoint" data-anchor-id="anchorTag-4-673b94f952cead20f0bc7793" id="anchorTag-4-673b94f952cead20f0bc7793"><span class="anchor-flag"></span><strong>R-Z</strong></h2><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-452 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba536028f9fb37abe1ff7/cio-headshot-circle-0034-cio-headshot-Russo-Fidelma-HP/0x0.jpg?fit=scale" alt="cio-headshot-circle_0034_cio-headshot-Russo-Fidelma-HP" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/fidelma-russo/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/fidelma-russo/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/fidelma-russo/?list=cio-next" aria-label="Fidelma Russo"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/fidelma-russo/?list=cio-next">Fidelma Russo</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align"><span style="background-color: inherit;">Title: </span><strong>CTO and EVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>GM Hybrid Cloud, Hewlett Packard Enterprise</strong></h4> <p>Fidelma Russo is the chief technologist at HPE, the Hewlett Packard spinout focused on more efficient data processing and storage. Since joining the company in 2021 as CTO, Russo is tasked with leading the Hybrid Cloud team to modernize IT infrastructure, simplify business operations and accelerate the adoption of AI. Earlier this year in partnership with NVIDIA, Russo and her team launched HPE’s flagship AI product, Private Cloud AI, which allows enterprise customers to get started with the hot new technology without needing a full in-house team. Russo is also responsible for leading the development and launch of HPE’s GreenLake cloud, a hybrid data storage platform with over 37,000 unique customers.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-422 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba72ecca9726f9589ce47/cio-headshot-circle-0029-cio-headshot-Seaton-Jeff-NASA/0x0.jpg?fit=scale" alt="cio-headshot-circle_0029_cio-headshot-Seaton-Jeff-NASA" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/jeff-seaton/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/jeff-seaton/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/jeff-seaton/?list=cio-next" aria-label="Jeff Seaton"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/jeff-seaton/?list=cio-next">Jeff Seaton</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>NASA</strong></h4> <p>As CIO of NASA, Jeff Seaton manages over 113 petabytes of data, over 700 employees and about a $1 billion budget. Since taking the role, he has worked to modernize the agency’s digital infrastructure by reducing legacy systems and implementing multifactor authentication to improve cybersecurity. He’s also invested in automation and begun using digital replicas of spacecraft for engineering simulations as a way to save on costs. Seaton also led an initiative to modernize NASA’s web presence, including building out the NASA+ streaming service.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-370 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba55508a863bc0bd5abfc/cio-headshot-circle-0039-cio-headshot-Stoddard-Cynthia-Adobe/0x0.png?fit=scale" alt="cio-headshot-circle_0039_cio-headshot-Stoddard-Cynthia-Adobe" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/cynthia-stoddard/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/cynthia-stoddard/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/cynthia-stoddard/?list=cio-next" aria-label="Cynthia Stoddard"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/cynthia-stoddard/?list=cio-next">Cynthia Stoddard</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Adobe</strong></h4> <p>Adobe’s multi-cloud data platform uses ten times the amount of storage and processing than it did five years ago. To reduce this burden, Cynthia Stoddard’s team created the Adobe Data Experience workbench, which simplifies access to data systems across the company. Within a year of implementation, it led to a savings of $2.2 million in cloud spending and boosted productivity. Her team also built an LLM tool that creates metadata documentation like summaries, description and usage for data assets. Before, only 5% of the company’s over 100,000 data assets were documented; today, the number is over 90%, which saved an estimated 3,000 engineering days. Stoddard also set in motion having teams host hackathon-like events to build new tools, such as a bot for IT maintenance tickets in Slack that led to a 27% reduction in overall requests.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-372 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba56bacd9291ca9e47f5e/cio-headshot-circle-0036-cio-headshot-Stone-Elizabeth-Netflix/0x0.png?fit=scale" alt="cio-headshot-circle_0036_cio-headshot-Stone-Elizabeth-Netflix" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/elizabeth-stone-1/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/elizabeth-stone-1/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/elizabeth-stone-1/?list=cio-next" aria-label="Elizabeth Stone"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/elizabeth-stone-1/?list=cio-next">Elizabeth Stone</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CTO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Netflix</strong></h4> <p>At Netflix, Elizabeth Stone is expanding what streaming means by growing the platform’s technology to support new forms of entertainment, such as hosting live events or playing mobile games. A former financial trader, Stone brought her economics expertise to Netflix four years ago and assumed the CTO role last year. Since then, Stone has scaled programs like Netflix Preview club, which allows members to prescreen content and provide feedback to the company and also leveraged AI to better provide customers with streaming recommendations. Stone and her team have also prioritized strengthening Netflix’s Open Connect infrastructure, which allows subscribers to view content seamlessly wherever they are, by making hardware and software improvements to reliably support adaptive streaming, live events and games.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-11"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-374 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba585685fc718e3a2bd99/cio-headshot-circle-0046-cio-headshot-Subramanian-Bala-UPS/0x0.png?fit=scale" alt="cio-headshot-circle_0046_cio-headshot-Subramanian-Bala-UPS" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/bala-subramanian/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/bala-subramanian/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/bala-subramanian/?list=cio-next" aria-label="Bala Subramanian"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/bala-subramanian/?list=cio-next">Bala Subramanian</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Chief Digital &amp; Technology Officer and EVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>UPS</strong></h4> <p>In an era of two-day delivery, Bala Subramanian is working to simplify UPS’s operations with tech. His team is leading the transition from a scanner-based logistics network to a sensor-driven one through a Smart Package Smart Facilities initiative, installing sensors in warehouses and delivery vehicles and utilizing smart package labels equipped with radio frequency identification technology (RFID) to track packages. This effort has eliminated 20 million daily barcode scans and reduced the number of times a package gets loaded in the wrong truck by 67%. The company aims to install RFID in all UPS brown trucks: 60,000 are expected to have it by the end of the year with another 40,000 expected to be equipped in 2025. Subramanian has implemented AI solutions to simplify international shipping and improve customer service by cutting email response time in half. He’s also tackling package theft with UPS’ DeliveryDefense program , which saved one retail client $4.1 million in annual costs and added $5.2 million in revenue.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-412 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba6dd9402876b3fb49600/cio-headshot-circle-0028-cio-headshot-Swanson-Jim-Johnson---Johnson/0x0.jpg?fit=scale" alt="cio-headshot-circle_0028_cio-headshot-Swanson-Jim-Johnson-&amp;-Johnson" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/jim-swanson/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/jim-swanson/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/jim-swanson/?list=cio-next" aria-label="Jim Swanson"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/jim-swanson/?list=cio-next">Jim Swanson</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Johnson &amp; Johnson</strong></h4> <p>Since assuming the CIO role at Johnson &amp; Johnson, Jim Swanson has accomplished a number of digital transformations for the company. His team created an app ecosystem for its digital surgery products, including video, telepresence and surgical planning software, that has helped improve patient outcomes. His team has similarly created digital “twins” of its supply chain using its data in order to optimize and improve performance by simulating different decisions. Meanwhile, he’s also spearheaded initiatives to keepJohnson &amp; Johnson employees abreast of developing technologies; more thana third have received training in generative AI.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-376 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba59ab6de448aac8107a4/cio-headshot-circle-0033-cio-headshot-Tan-Fiona-Wayfair/0x0.png?fit=scale" alt="cio-headshot-circle_0033_cio-headshot-Tan-Fiona-Wayfair" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/fiona-tan/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/fiona-tan/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/fiona-tan/?list=cio-next" aria-label="Fiona Tan"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/fiona-tan/?list=cio-next">Fiona Tan</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CTO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Wayfair</strong></h4> <p>At Wayfair, Fiona Tan has taken a three pronged approach of updating legacy systems, increasing cloud adoption and utilizing AI and machine learning. Wayfair was highlighted as a top company utilizing generative artificial intelligence. In terms of AI, the company developed Decorify, which lets customers see what a product would look like in their own home with the snap of a photo. In the year since it launched, more than 13,000 users have created over 175,000 designs with the program. Thirty percent ent of customers who use Decorify add the item to their carts and its repeat rate is at 26%. Tan’s team has also utilized AI to reduce the time to create a new application programming interface by 85% and sped up a process to protect data privacy by four times. With AI, the team has simplified data storage to reduce conversion time from about five to seven days to under eight hours.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-378 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba5b46d474144a66b22ee/cio-headshot-circle-0012-cio-headshot-Taneja-Rajat-Visa/0x0.png?fit=scale" alt="cio-headshot-circle_0012_cio-headshot-Taneja-Rajat-Visa" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/rajat-taneja/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/rajat-taneja/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/rajat-taneja/?list=cio-next" aria-label="Rajat Taneja"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/rajat-taneja/?list=cio-next">Rajat Taneja</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>President, Technology</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Visa</strong></h4> <p>As president of technology, Rajat Taneja is responsible for ensuring the nearly one billion payments processed each day by Visa happen. In his more than a decade at the company, Taneja has overseen $3.3 billion in AI and data infrastructure investments largely focused on cybersecurity and fraud prevention. The company has several hundred AI models, including 100 working in real-time, to monitor and prevent fraud. Products like the Visa Account Attack Intelligence implemented by Taneja utilize generative AI to spot enumeration attacks which are responsible for more than $1.1 billion annually in fraud losses globally.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-12"></fbs-ad><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-380 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba5d045c85e525370f4e0/cio-headshot-circle-0015-cio-headshot-Tolmare-Neeraj-Coca-Cola/0x0.png?fit=scale" alt="cio-headshot-circle_0015_cio-headshot-Tolmare-Neeraj-Coca-Cola" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/neeraj-tolmare/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/neeraj-tolmare/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/neeraj-tolmare/?list=cio-next" aria-label="Neeraj Tolmare"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/neeraj-tolmare/?list=cio-next">Neeraj Tolmare</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>Global CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Coca-Cola</strong></h4> <p>As Global CIO, Neeraj Tolmare has balanced staying true to Coca-Cola’s legacy while propelling the company forward, with tech at the center. In April, it announced a $1.1 billion five-year partnership with Microsoft to move all of its applications to Microsoft Azure, making the company entirely cloud-based. Additionally, Coca-Cola is piloting and beginning to scale the use of AI to craft emails and in-app messages to customers. Early pilot results indicate AI has boosted suggested product purchases 30-50%. Those suggestions have increased revenue by 3-6% over the past few years. Coca-Cola launched the Create Real Magic platform in 2023, which lets customers use generative AI to make personalized content, increasing brand engagement and marketing.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-381 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba64e356bc9bdb8c778ab/cio-headshot-circle-0047-cio-headshot-Tysen-Atticus-Intuit/0x0.png?fit=scale" alt="cio-headshot-circle_0047_cio-headshot-Tysen-Atticus-Intuit" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/atticus-tysen/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/atticus-tysen/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/atticus-tysen/?list=cio-next" aria-label="Atticus Tysen"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/atticus-tysen/?list=cio-next">Atticus Tysen</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CISO, CIO and SVP</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Intuit</strong></h4> <p>Under Atticus Tysen, Intuit’s IT team has placed employee experience at the same level as customer experience. Intuit had looked into third-party options to improve its intranet for years, but ultimately Tysen and his team opted to build their own based on existing infrastructure. The customizable platform they developed has improved search capabilities and access to necessary content. Thanks to its embrace of generative AI, Intuit has seen a 15 average productivity increase and 97% of its AI-created content does not require human edits after. As both CIO and CISO, Tysen has put cybersecurity at the forefront of the company’s tech strategy through improved threat detection and prevention.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-383 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba671e9d113dc79cbaa9c/cio-headshot-circle-0014-cio-headshot-Venables-Phil-Google/0x0.png?fit=scale" alt="cio-headshot-circle_0014_cio-headshot-Venables-Phil-Google" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/phil-venables/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/phil-venables/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/phil-venables/?list=cio-next" aria-label="Phil Venables"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/phil-venables/?list=cio-next">Phil Venables</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CISO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Google Cloud</strong></h4> <p>Phil Venables, who leads information security efforts at Google’s cloud division, is the go-to person for securing the search giant’s enterprise offerings for its scores of customers, including heavyweights like Walmart, Uber and Major League Baseball. Last summer, Venables led the development of Google’s Secure AI Framework, or SAIF, a set of guidelines for security professionals to safeguard their AI initiatives — like making sure companies have policies in place to get fast feedback from users on newly deployed AI tools. He also helped implement Google’s SAIF Risk Assessment, a survey that turns the SAIF guidelines into a personalized checklist for companies to take action. Venable is also a member of President Joe Biden’s Council of Advisors on Science and Technology, which makes suggestions to the president on tech and innovation policy.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><figure class="embed-base image-embed embed-385 alignright" role="presentation"><div style="padding-top:100.00%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/673ba68a1ffb478dc4ceade1/cio-headshot-circle-0020-cio-headshot-Wells-Marykay-Pearson/0x0.png?fit=scale" alt="cio-headshot-circle_0020_cio-headshot-Wells-Marykay-Pearson" data-height="1080" data-width="1080"></progressive-image></div><figcaption class="hidden-caption"><p class="color-body light-text"><small>forbes</small></p></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><a href="https://www.forbes.com/profile/marykay-wells/?list=cio-next" target="_blank" class="color-link target-blank" title="https://www.forbes.com/profile/marykay-wells/?list=cio-next" data-ga-track="InternalLink:https://www.forbes.com/profile/marykay-wells/?list=cio-next" aria-label="Marykay Wells"><strong data-ga-track="InternalLink:https://www.forbes.com/profile/marykay-wells/?list=cio-next">Marykay Wells</strong></a></h2> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Title: <strong>CIO</strong></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align">Company: <strong>Pearson</strong></h4> <p>As CIO at educational publisher Pearson, Marykay Wells is using AI to automate work processes that can save employees time, and has developed a content platform that allows teams to digitize their work with ease. Since mid-2023, Wells has also spearheaded a framework to address the company’s technology debt to determine and replace software applications that are dated, extraneous and are causing vulnerabilities. The initiative has reduced duplicate technologies by 50%, reduced technology incidents by 30% and has yielded major cost savings. Wells is on the Salesforce CIO Advisory Board and was previously in CIO roles at Nortel, Tekelec and Extreme Networks.</p><hr class="embed-base rule-embed color-accent border-solid weight-light"><fbs-ad position="topx" progressive="" ad-id="article-0-topx-13"></fbs-ad> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align"><br></h4> <h4 class="subhead4-embed color-body bg-base font-accent font-size text-align"><strong>MORE FROM FORBES</strong></h4><a class="embed-base color-body color-body-border link-embed embed-454" href="https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/" target="_blank" aria-label="How Google Cloud’s Information Security Chief Is Preparing For AI Attackers" rel="noopener noreferrer" data-ga-track="forbesEmbedly:https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/"><span class="link-embed__info"><span class="link-embed__provider">Forbes</span><span class="link-embed__title">How Google Cloud’s Information Security Chief Is Preparing For AI Attackers</span><small class="link-embed__byline">By <span class="link-embed__author">Richard Nieva</span></small></span><span class="link-embed__thumbnail-wrapper"><span class="link-embed__thumbnail allow-inline-style" style="background-image: url(https://specials-images.forbesimg.com/imageserve/673b82073138178ee72bd0b0/0x0.jpg);"></span></span></a><a class="embed-base color-body color-body-border link-embed embed-456" href="https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/" target="_blank" aria-label="NASA’s CIO On Managing IT In The Final Frontier" rel="noopener noreferrer" data-ga-track="forbesEmbedly:https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/"><span class="link-embed__info"><span class="link-embed__provider">Forbes</span><span class="link-embed__title">NASA’s CIO On Managing IT In The Final Frontier</span><small class="link-embed__byline">By <span class="link-embed__author">Alex Knapp</span></small></span><span class="link-embed__thumbnail-wrapper"><span class="link-embed__thumbnail allow-inline-style" style="background-image: url(https://specials-images.forbesimg.com/imageserve/673b821684a50d681465c5a2/0x0.jpg);"></span></span></a><a class="embed-base color-body color-body-border link-embed embed-458" href="https://www.forbes.com/sites/elisabethbrier/article/forbes-sustainability-leaders/" target="_blank" aria-label="Forbes Sustainability Leaders" rel="noopener noreferrer" data-ga-track="forbesEmbedly:https://www.forbes.com/sites/elisabethbrier/article/forbes-sustainability-leaders/"><span class="link-embed__info"><span class="link-embed__provider">Forbes</span><span class="link-embed__title">Forbes Sustainability Leaders</span><small class="link-embed__byline">By <span class="link-embed__author">Elisabeth Brier</span></small></span><span class="link-embed__thumbnail-wrapper"><span class="link-embed__thumbnail allow-inline-style" style="background-image: url(https://specials-images.forbesimg.com/imageserve/66ec3a8c0cfaef7e67dfcedf/960x0.jpg?cropX1=0&amp;cropX2=3259&amp;cropY1=0&amp;cropY2=1832);"></span></span></a> <div class="newsletter_signup_article"></div></div><div class="sigfile article-body fs-responsive-text font-body"><span>Send me a secure&nbsp;<a class="color-link" href="https://www.forbes.com/tips/" rel="nofollow noopener noreferrer" target="_blank">tip</a></span>.&nbsp;</div><div class="bottom-contrib-block"><div class="fs-author-group-wrapper"><div class="contrib-byline"><a class="fs-author-avatar" href="https://www.forbes.com/sites/richardnieva/" title="Photo of Richard Nieva"><img class="fs-author-image" src="https://specials-images.forbesimg.com/imageserve/62df23438dc34baec713385c/400x0.jpg?cropX1=0&amp;cropX2=582&amp;cropY1=0&amp;cropY2=582" alt="Richard Nieva"></a><div class="contrib-info"><div class="author-wrapper"><a class="author-name speakable-author color-body contrib-byline-author" href="https://www.forbes.com/sites/richardnieva/" title="https://www.forbes.com/sites/richardnieva/" aria-label="Richard Nieva" data-ga-track="contrib block byline">Richard Nieva</a></div></div></div><fbs-cordial type="Follow" natural-id="blogAuthorId/blog/author/5009211" author-slug="richardnieva" page-position="bottom"><a class="following-label" href="https://account.forbes.com/following" target="blank" title="https://account.forbes.com/following" aria-label="Following"><svg class="fs-icon fs-icon--check-mark" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path fill-rule="evenodd" clip-rule="evenodd" d="M10 2.9c-3.9 0-7.1 3.2-7.1 7.1s3.2 7.1 7.1 7.1 7.1-3.2 7.1-7.1-3.2-7.1-7.1-7.1zm-.7 10.3l-3-2.1.7-1 2 1.4 3.4-4.9 1 .7-4.1 5.9z"/></svg><span>Following</span></a></fbs-cordial></div><p class="contrib-bio" data-author-html-description="&lt;p&gt;Richard Nieva is a San Francisco-based senior writer who covers technology. He joined Forbes in 2022 and covers public companies and artificial intelligence. Previously, he wrote for BuzzFeed News, CNET and Fortune Magazine, and his work has been featured in The New York Times, CNN and the Columbia Journalism Review. He’s a graduate of Santa Clara University and the Columbia Journalism School. Follow him on X at @richardjnieva and send him tips at rnieva@forbes.com.&amp;nbsp;&lt;/p&gt;"></p></div><div class="article-footer bg-base" style="border:;"><ul class="footer-row color-body light-text print-tips"><li><a href="https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/" rel="noopener noreferrer" target="_blank">Editorial Standards</a></li><li><a href="https://www.parsintl.com/publications/forbes/" rel="noopener noreferrer" target="_blank">Forbes Accolades</a></li></ul></div></div></div></div></div></main></article><div class="load-stream-marker"></div><div class="paywall_ribbon"></div><div id="onsite-notifications"></div></div><script>window["forbes"] = window["forbes"] || {}; window["forbes"]["simple-site"] = {"globalHeaderData":[{"position":1,"sections":[],"title":"Trump Tracker","url":"https://www.forbes.com/trump/","type":"menu"},{"color":"centennial-silver","position":2,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"World's Billionaires","sectionUrl":"https://www.forbes.com/billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Forbes 400","sectionUrl":"https://www.forbes.com/forbes-400/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"America's Richest Self-Made Women","sectionUrl":"https://www.forbes.com/self-made-women/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"China's Richest","sectionUrl":"https://www.forbes.com/china-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"India's Richest","sectionUrl":"https://www.forbes.com/india-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Indonesia's Richest","sectionUrl":"https://www.forbes.com/indonesia-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Korea's Richest","sectionUrl":"https://www.forbes.com/korea-billionaires/list/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Thailand's Richest","sectionUrl":"https://www.forbes.com/thailand-billionaires/list/ ","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Japan's Richest","sectionUrl":"https://www.forbes.com/japan-billionaires/list/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Australia's Richest","sectionUrl":"https://www.forbes.com/australia-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Taiwan's Richest","sectionUrl":"https://www.forbes.com/taiwan-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Singapore's Richest","sectionUrl":"https://www.forbes.com/singapore-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Philippines' Richest","sectionUrl":"https://www.forbes.com/philippines-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Hong Kong's Richest","sectionUrl":"https://www.forbes.com/hong-kong-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Malaysia's Richest","sectionUrl":"https://www.forbes.com/malaysia-billionaires/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Money & Politics ","sectionUrl":"https://www.forbes.com/money-politics/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"2024 Election","sectionUrl":"https://www.forbes.com/2024-election/","sections":[]}],"title":"Billionaires","url":"https://www.forbes.com/worlds-billionaires/","type":"menu"},{"color":"diamondring-blue","position":3,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"AI","sectionUrl":"https://www.forbes.com/ai/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Big Data","sectionUrl":"https://www.forbes.com/big-data/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cloud","sectionUrl":"https://www.forbes.com/cloud/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cloud 100","sectionUrl":"https://www.forbes.com/cloud100/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Consumer Tech","sectionUrl":"https://www.forbes.com/consumer-tech/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Creator Economy","sectionUrl":"https://www.forbes.com/creator-economy/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cybersecurity","sectionUrl":"https://www.forbes.com/cybersecurity/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Digital Transformation","sectionUrl":"https://www.forbes.com/digital-transformation/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Enterprise Commerce","sectionUrl":"https://www.forbes.com/topics/enterprise-commerce/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Enterprise Security and Protection","sectionUrl":"https://www.forbes.com/topics/enterprise-security-and-protection/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Enterprise Tech","sectionUrl":"https://www.forbes.com/enterprise-tech/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Enterprise Growth Strategy","sectionUrl":"https://www.forbes.com/topics/enterprise-growth-strategy/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Future Of Work","sectionUrl":"https://www.forbes.com/future-of-work/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Gaming","sectionUrl":"https://www.forbes.com/gaming/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Healthcare","sectionUrl":"https://www.forbes.com/healthcare/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Innovation Rules","sectionUrl":"https://www.forbes.com/innovation-rules/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Retail Industry","sectionUrl":"https://www.forbes.com/topics/retail-industry/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"SAP BrandVoice","sectionUrl":"https://www.forbes.com/sites/sap/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Science","sectionUrl":"https://www.forbes.com/science/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Social Media","sectionUrl":"https://www.forbes.com/social-media/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Sustainability & Climate","sectionUrl":"https://www.forbes.com/sustainability/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Transportation","sectionUrl":"https://www.forbes.com/transportation/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Venture Capital","sectionUrl":"https://www.forbes.com/venture-capital/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Technology","sectionUrl":"https://www.forbes.com/sites/technology/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"VMware BrandVoice","sectionUrl":"https://www.forbes.com/sites/vmware/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"TikTok BrandVoice","sectionUrl":"https://www.forbes.com/sites/tiktok/","sections":[]}],"title":"Innovation","url":"https://www.forbes.com/innovation/","type":"menu"},{"color":"fortknox-gold","position":4,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Careers","sectionUrl":"https://www.forbes.com/careers/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"CEO Network","sectionUrl":"https://www.forbes.com/ceo-network/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"CFO Network","sectionUrl":"https://www.forbes.com/cfo-network/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"CHRO Network","sectionUrl":"https://www.forbes.com/chro-network/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"CIO Network","sectionUrl":"https://www.forbes.com/cio-network/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"CMO Network","sectionUrl":"https://www.forbes.com/cmo-network/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"CxO","sectionUrl":"https://www.forbes.com/cxo/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Diversity, Equity & Inclusion","sectionUrl":"https://www.forbes.com/diversity-inclusion/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Education","sectionUrl":"https://www.forbes.com/education/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"Forbes EQ","sectionUrl":"https://www.forbes.com/sites/forbeseq/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"ForbesBLK","sectionUrl":"https://www.forbes.com/blk-leadership/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"ForbesWomen","sectionUrl":"https://www.forbes.com/women-at-forbes/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Leadership Strategy","sectionUrl":"https://www.forbes.com/leadership-strategy/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Under 30","sectionUrl":"https://www.forbes.com/under30/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Working Remote","sectionUrl":"https://www.forbes.com/working-remote/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Over 50","sectionUrl":"https://www.forbes.com/over-50/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"Deloitte BrandVoice","sectionUrl":"https://www.forbes.com/sites/deloitte/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"Dell Technologies BrandVoice","sectionUrl":"https://www.forbes.com/sites/delltechnologies/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"SAP BrandVoice","sectionUrl":"https://www.forbes.com/sites/sap/","sections":[]}],"title":"Leadership","url":"https://www.forbes.com/leadership/","type":"menu"},{"color":"benjamins-green","position":5,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Banking & Insurance","sectionUrl":"https://www.forbes.com/banking-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"ETFs & Mutual Funds","sectionUrl":"https://www.forbes.com/etfs-mutual-funds/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fintech","sectionUrl":"https://www.forbes.com/fintech/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Hedge Funds & Private Equity","sectionUrl":"https://www.forbes.com/hedge-funds-private-equity/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Investing","sectionUrl":"https://www.forbes.com/investing/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Investor Hub","sectionUrl":"https://www.forbes.com/sites/investor-hub/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Markets","sectionUrl":"https://www.forbes.com/markets/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Personal Finance","sectionUrl":"https://www.forbes.com/personal-finance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Retirement","sectionUrl":"https://www.forbes.com/retirement/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Taxes","sectionUrl":"https://www.forbes.com/taxes/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Top Advisor | SHOOK","sectionUrl":"https://www.forbes.com/top-advisor-shook/ ","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wealth Management","sectionUrl":"https://www.forbes.com/wealth-management/ ","sections":[]}],"title":"Money","url":"https://www.forbes.com/money/","type":"menu"},{"position":6,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home","sectionUrl":"https://www.forbes.com/digital-assets/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Web3 Community","sectionUrl":"https://www.forbes.com/digital-assets/community/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"News","sectionUrl":"https://www.forbes.com/digital-assets/news/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Prices","sectionUrl":"https://www.forbes.com/digital-assets/crypto-prices/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"NFT Prices","sectionUrl":"https://www.forbes.com/digital-assets/nft-prices/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Research","sectionUrl":"https://www.forbes.com/digital-assets/research/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Learn","sectionUrl":"https://www.forbes.com/digital-assets/learn/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Basics","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-basics/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"BTC","sectionUrl":"https://www.forbes.com/digital-assets/learn/btc/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"DeFi","sectionUrl":"https://www.forbes.com/digital-assets/learn/defi/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Web3 Education","sectionUrl":"https://www.forbes.com/digital-assets/learn/web3-education/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"NFTs","sectionUrl":"https://www.forbes.com/digital-assets/learn/nfts/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Investments","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-investments/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Events","sectionUrl":"https://www.forbes.com/digital-assets/events/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Portfolios","sectionUrl":"https://www.forbes.com/digital-assets/crypto-advisor-portfolio/","sections":[]}],"title":"Forbes Digital Assets","url":"","type":"menu"},{"color":"capitalist-teal","position":7,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Aerospace & Defense","sectionUrl":"https://www.forbes.com/aerospace-defense/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Energy","sectionUrl":"https://www.forbes.com/energy/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Food & Drink","sectionUrl":"https://www.forbes.com/food-drink/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Hollywood & Entertainment","sectionUrl":"https://www.forbes.com/hollywood-entertainment/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Law","sectionUrl":"https://www.forbes.com/law/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Manufacturing","sectionUrl":"https://www.forbes.com/manufacturing/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Media","sectionUrl":"https://www.forbes.com/media/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Policy","sectionUrl":"https://www.forbes.com/policy/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Retail","sectionUrl":"https://www.forbes.com/retail/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"SportsMoney","sectionUrl":"https://www.forbes.com/sportsmoney/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Entertainment Digest","sectionUrl":"https://www.forbes.com/sites/entertainment/","sections":[]}],"title":"Business","url":"https://www.forbes.com/business/","type":"menu"},{"color":"statuesque-bronze","position":8,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Entrepreneurs","sectionUrl":"https://www.forbes.com/entrepreneurs/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Franchises","sectionUrl":"https://www.forbes.com/franchises/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Small Business Strategy","sectionUrl":"https://www.forbes.com/small-business-strategy/","sections":[]}],"title":"Small Business","url":"https://www.forbes.com/small-business/","type":"menu"},{"color":"merlot-burgundy","position":9,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Arts","sectionUrl":"https://www.forbes.com/arts/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Boats & Planes","sectionUrl":"https://www.forbes.com/boats-planes/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cars & Bikes","sectionUrl":"https://www.forbes.com/cars-bikes/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Dining","sectionUrl":"https://www.forbes.com/dining/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"ForbesLife","sectionUrl":"https://www.forbes.com/forbeslife/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Forbes Travel Guide","sectionUrl":"https://www.forbes.com/forbes-travel-guide/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Spirits","sectionUrl":"https://www.forbes.com/spirits/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Style & Beauty","sectionUrl":"https://www.forbes.com/style-beauty/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Travel","sectionUrl":"https://www.forbes.com/travel/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Vices","sectionUrl":"https://www.forbes.com/vices/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Watches","sectionUrl":"https://www.forbes.com/watches-jewelry/","sections":[]}],"title":"Lifestyle","url":"https://www.forbes.com/lifestyle/","type":"menu"},{"position":10,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Commercial Real Estate","sectionUrl":"https://www.forbes.com/commercial-real-estate/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Forbes Global Properties","sectionUrl":"https://www.forbes.com/forbes-global-properties/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Residential Real Estate","sectionUrl":"https://www.forbes.com/residential-real-estate/","sections":[]}],"title":"Real Estate","url":"https://www.forbes.com/real-estate/","type":"menu"},{"color":"shopping-salmon","position":11,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mattress & Sleep","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Bed Frames","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/bed-frames/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mattresses","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/mattresses/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mattress Toppers","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/mattress-toppers/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pillows","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/pillows/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Sheets & Bedding","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/sheets-bedding/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Sleep Products","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/sleep-products/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home","sectionUrl":"https://www.forbes.com/vetted/home/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Bathroom","sectionUrl":"https://www.forbes.com/vetted/home/bathroom/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cleaning & Laundry","sectionUrl":"https://www.forbes.com/vetted/home/cleaning-laundry/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Decor","sectionUrl":"https://www.forbes.com/vetted/home/decor/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Furniture","sectionUrl":"https://www.forbes.com/vetted/home/furniture/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Heating & Cooling","sectionUrl":"https://www.forbes.com/vetted/home/heating-cooling/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Hobbies","sectionUrl":"https://www.forbes.com/vetted/home/hobbies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home Office","sectionUrl":"https://www.forbes.com/vetted/home-office/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Kitchen & Dining","sectionUrl":"https://www.forbes.com/vetted/home/kitchen-dining/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Outdoor","sectionUrl":"https://www.forbes.com/vetted/home/outdoor/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pets","sectionUrl":"https://www.forbes.com/vetted/home/pets/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Storage & Organization","sectionUrl":"https://www.forbes.com/vetted/home/storage-organization/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tools","sectionUrl":"https://www.forbes.com/vetted/home/tools/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wine & Bar","sectionUrl":"https://www.forbes.com/vetted/home/wine-bar/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fashion","sectionUrl":"https://www.forbes.com/vetted/fashion/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Accessories","sectionUrl":"https://www.forbes.com/vetted/fashion/accessories/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Clothing","sectionUrl":"https://www.forbes.com/vetted/fashion/clothing/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Eyewear","sectionUrl":"https://www.forbes.com/vetted/fashion/eyewear/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Footwear","sectionUrl":"https://www.forbes.com/vetted/fashion/footwear/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Jewelry","sectionUrl":"https://www.forbes.com/vetted/fashion/jewelry/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Handbags & Purses","sectionUrl":"https://www.forbes.com/vetted/fashion/handbags-purses/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Lingerie & Sleepwear","sectionUrl":"https://www.forbes.com/vetted/fashion/lingerie-sleepwear/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Outdoor & Fitness Apparel","sectionUrl":"https://www.forbes.com/vetted/fashion/outdoor-fitness-apparel/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Outerwear","sectionUrl":"https://www.forbes.com/vetted/fashion/outerwear/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Watches","sectionUrl":"https://www.forbes.com/vetted/fashion/watches/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Kids & Baby Gear","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Baby Gear","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/baby-gear/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Kids Clothes & Accessories","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/kids-clothes-accessories/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Nursery","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/nursery/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pregnancy & Postpartum","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/pregnancy-postpartum/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Toys & Books","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/toys-books/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Gear","sectionUrl":"https://www.forbes.com/vetted/gear/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Apparel & Accessories","sectionUrl":"https://www.forbes.com/vetted/gear/apparel-accessories/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Bikes","sectionUrl":"https://www.forbes.com/vetted/gear/bikes/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Camping & Hiking","sectionUrl":"https://www.forbes.com/vetted/gear/camping-hiking/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Climbing","sectionUrl":"https://www.forbes.com/vetted/gear/climbing/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fishing & Hunting","sectionUrl":"https://www.forbes.com/vetted/gear/fishing-hunting/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fitness","sectionUrl":"https://www.forbes.com/vetted/gear/fitness/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Golf","sectionUrl":"https://www.forbes.com/vetted/gear/golf/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Running","sectionUrl":"https://www.forbes.com/vetted/gear/running/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tennis & Racket Sports","sectionUrl":"https://www.forbes.com/vetted/gear/tennis-racket-sports/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tools & Tech","sectionUrl":"https://www.forbes.com/vetted/gear/tools-tech/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Training & Recovery","sectionUrl":"https://ww.forbes.com/vetted/gear/training-recovery/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Water Sports","sectionUrl":"https://www.forbes.com/vetted/gear/water-sports/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wellness","sectionUrl":"https://www.forbes.com/vetted/gear/wellness/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Winter Sports","sectionUrl":"https://www.forbes.com/vetted/gear/winter-sports/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Beauty & Grooming","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Haircare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/haircare/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Makeup","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/makeup/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Nailcare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/nailcare/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Shaving","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/shaving/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Skincare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/skincare/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Personal Products","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/personal-products/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wellness & Self Care","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/wellness-self-care/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tech & Electronics","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Audio","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/audio/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cameras","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/cameras/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Computers, Tablets & Accessories","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/computers-tablets-accessories/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Gaming","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/gaming/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home Office","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/home-office/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Online Tools","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/online-tools/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Smart Home Devices","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/smart-home-devices/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Smartphones, Smartwatches & Accessories","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/smartphones-smartwatches-accessories/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Streaming","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/streaming/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"TVs","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/tvs/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Travel","sectionUrl":"https://www.forbes.com/vetted/travel/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cruises","sectionUrl":"https://www.forbes.com/vetted/travel/cruises/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Hotels & Lodging","sectionUrl":"https://www.forbes.com/vetted/travel/hotels-lodging/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Luggage","sectionUrl":"https://www.forbes.com/vetted/travel/luggage/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Travel Products","sectionUrl":"https://www.forbes.com/vetted/travel/travel-products/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Gifts","sectionUrl":"https://www.forbes.com/vetted/gifts/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Father's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/fathers-day/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Holiday","sectionUrl":"https://www.forbes.com/vetted/gifts/holiday/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mother's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/mothers-day/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Valentine's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/valentines-day/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wedding","sectionUrl":"https://www.forbes.com/vetted/gifts/wedding/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Deals","sectionUrl":"https://www.forbes.com/vetted/deals/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Black Friday","sectionUrl":"https://www.forbes.com/vetted/deals/black-friday/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cyber Monday","sectionUrl":"https://www.forbes.com/vetted/deals/cyber-monday/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Amazon Prime Day","sectionUrl":"https://www.forbes.com/vetted/deals/amazon-prime-day/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Beauty & Grooming","sectionUrl":"https://www.forbes.com/vetted/deals/beauty-grooming/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Big Sales","sectionUrl":"https://www.forbes.com/vetted/deals/big-sales/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fashion","sectionUrl":"https://www.forbes.com/vetted/deals/fashion/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Gear","sectionUrl":"https://www.forbes.com/vetted/deals/gear/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home","sectionUrl":"https://www.forbes.com/vetted/deals/home/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tech & Electronics","sectionUrl":"https://www.forbes.com/vetted/deals/tech-electronics/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Travel Deals","sectionUrl":"https://www.forbes.com/vetted/deals/travel-deals/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mattress & Sleep","sectionUrl":"https://www.forbes.com/vetted/deals/mattress-sleep/"}]}],"title":"Forbes Vetted","url":"https://www.forbes.com/vetted/","type":"menu"},{"position":12,"sections":[],"title":"Forbes 101","url":"https://www.forbes.com/forbes-101/","type":"menu"},{"color":"advisor-amethyst","position":13,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Credit Cards Of 2025","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best-credit-cards/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Compare Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/compare/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Balance Transfer Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best/balance-transfer/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cash Back Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best/cash-back/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Travel Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best-travel-credit-cards/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Business Credit Cards","sectionUrl":"https://www.forbes.com/advisor/credit-cards/best/business/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mortgages & Loans","sectionUrl":"https://www.forbes.com/advisor/mortgages/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Mortgage Lenders","sectionUrl":"https://www.forbes.com/advisor/mortgages/best-mortgage-lenders/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Today's Mortgage Rates","sectionUrl":"https://www.forbes.com/advisor/mortgages/mortgage-rates/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Today's Refinance Rates","sectionUrl":"https://www.forbes.com/advisor/mortgages/refinance/refinance-rates/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Personal Loans","sectionUrl":"https://www.forbes.com/advisor/personal-loans/best-personal-loans/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Loans For Bad Credit","sectionUrl":"https://www.forbes.com/advisor/personal-loans/bad-credit-loans/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Debt Consolidation Loans","sectionUrl":"https://www.forbes.com/advisor/personal-loans/debt-consolidation-loans/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Student Loan Lenders","sectionUrl":"https://www.forbes.com/advisor/student-loans/best-private-student-loans/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Student Loan Refinance Lenders","sectionUrl":"https://www.forbes.com/advisor/student-loans/best-student-loan-refinance-lenders/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Business Loans","sectionUrl":"https://www.forbes.com/advisor/business-loans/best-small-business-loans/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Banking","sectionUrl":"https://www.forbes.com/advisor/banking/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Online Banks","sectionUrl":"https://www.forbes.com/advisor/banking/best-online-banks/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"CD Rates","sectionUrl":"https://www.forbes.com/advisor/banking/cds/best-cd-rates/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"High-Yield Savings Accounts","sectionUrl":"https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Money Market Account","sectionUrl":"https://www.forbes.com/advisor/banking/money-market-account/best-money-market-accounts/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Life Insurance","sectionUrl":"https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cheap Life Insurance","sectionUrl":"https://www.forbes.com/advisor/life-insurance/cheap-life-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"No Exam Life Insurance","sectionUrl":"https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Travel Insurance","sectionUrl":"https://www.forbes.com/advisor/travel-insurance/best-travel-insurance-companies/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Covid-19 Travel Insurance","sectionUrl":"https://www.forbes.com/advisor/travel-insurance/best-pandemic-travel-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cheap Travel Insurance Companies","sectionUrl":"https://www.forbes.com/advisor/travel-insurance/cheap-travel-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Car Insurance","sectionUrl":"https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Compare Car Insurance Quotes","sectionUrl":"https://www.forbes.com/advisor/car-insurance/car-insurance-quotes/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cost Of Car Insurance","sectionUrl":"https://www.forbes.com/advisor/car-insurance/average-cost-of-car-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cheap Car Insurance","sectionUrl":"https://www.forbes.com/advisor/car-insurance/cheapest-car-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pet Insurance","sectionUrl":"https://www.forbes.com/advisor/pet-insurance/best-pet-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"How Much Is Pet Insurance?","sectionUrl":"https://www.forbes.com/advisor/pet-insurance/pet-insurance-cost/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cheap Pet Insurance","sectionUrl":"https://www.forbes.com/advisor/pet-insurance/best-cheap-pet-insurance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Business Services","sectionUrl":"https://www.forbes.com/advisor/business/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best LLC Services","sectionUrl":"https://www.forbes.com/advisor/business/best-llc-service/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Registered Agent Services","sectionUrl":"https://www.forbes.com/advisor/business/best-registered-agent-services/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"How To Set Up An LLC","sectionUrl":"https://www.forbes.com/advisor/business/how-to-set-up-an-llc-in-7-steps/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"How To Start A Business","sectionUrl":"https://www.forbes.com/advisor/business/how-to-start-a-business/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cost To Start An LLC","sectionUrl":"https://www.forbes.com/advisor/business/cost-to-form-llc/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Payroll Services","sectionUrl":"https://www.forbes.com/advisor/business/software/best-payroll-services/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best HR Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-human-resource-management-systems/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best HRIS Systems","sectionUrl":"https://www.forbes.com/advisor/business/software/hris-systems/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best PEO Services","sectionUrl":"https://www.forbes.com/advisor/business/software/best-peo-services/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Applicant Tracking Systems","sectionUrl":"https://www.forbes.com/advisor/business/best-applicant-tracking-systems/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Website Builders","sectionUrl":"https://www.forbes.com/advisor/business/software/best-website-builders/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Web Hosting Services","sectionUrl":"https://www.forbes.com/advisor/business/software/best-web-hosting-services/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Domain Registrar","sectionUrl":"https://www.forbes.com/advisor/business/software/best-domain-registrar/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Ecommerce Platform","sectionUrl":"https://www.forbes.com/advisor/business/software/best-ecommerce-platform/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Landing Page Builder","sectionUrl":"https://www.forbes.com/advisor/business/software/best-landing-page-builder/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best VoIP Service","sectionUrl":"https://www.forbes.com/advisor/business/software/best-voip-service/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"What Is VoIP?","sectionUrl":"https://www.forbes.com/advisor/business/software/what-voip/ "},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Answering Services","sectionUrl":"https://www.forbes.com/advisor/business/software/best-answering-services/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Call Center Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-call-center-software/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Cloud Phone System","sectionUrl":"https://www.forbes.com/advisor/business/cloud-phone-system/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Project Management Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-project-management-software/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Free Project Management Software","sectionUrl":"https://www.forbes.com/advisor/business/software/free-project-management-software/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Task Management Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-task-management-software/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Free Task Management Software","sectionUrl":"https://www.forbes.com/advisor/business/software/free-task-management-software/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Gantt Chart Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-gantt-chart-software/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best VPN","sectionUrl":"https://www.forbes.com/advisor/business/software/best-vpn/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Free VPN","sectionUrl":"https://www.forbes.com/advisor/business/best-free-vpn/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Cheap VPN","sectionUrl":"https://www.forbes.com/advisor/business/software/best-cheap-vpn/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Antivirus Software","sectionUrl":"https://www.forbes.com/advisor/business/software/best-antivirus-software/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Password Managers","sectionUrl":"https://www.forbes.com/advisor/business/software/best-password-managers/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home Services","sectionUrl":"https://www.forbes.com/home-improvement/","sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Moving Companies","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/best-moving-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Long Distance Moving Companies","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/best-long-distance-moving-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Car Shipping Companies","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/best-car-shipping-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Interstate Moving Companies","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/best-interstate-moving-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"How Much Do Movers Cost?","sectionUrl":"https://www.forbes.com/home-improvement/moving-services/movers-and-packers-cost/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Home Warranty Companies","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/best-home-warranty-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cheapest Home Warranty Companies","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/cheapest-warranty-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Are Home Warranties Worth It?","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/are-home-warranties-worth-it/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home Warranty Cost","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/home-warranty-cost/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Home Appliance Insurance","sectionUrl":"https://www.forbes.com/home-improvement/home-warranty/best-home-appliance-insurance/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Solar Companies","sectionUrl":"https://www.forbes.com/home-improvement/solar/best-solar-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Solar Panels","sectionUrl":"https://www.forbes.com/home-improvement/solar/best-solar-panels/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cost Of Solar Panels","sectionUrl":"https://www.forbes.com/home-improvement/solar/cost-of-solar-panels/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Solar Tax Credit By State","sectionUrl":"https://www.forbes.com/home-improvement/solar/solar-tax-credit-by-state/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Are Solar Panels Worth It?","sectionUrl":"https://www.forbes.com/home-improvement/solar/are-solar-panels-worth-it/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Pest Control Companies","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/best-pest-control-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Termite Control Companies","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/best-termite-control-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Mosquito Control Companies","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/best-mosquito-control-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pest Control Cost","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/pest-control-cost/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"How Much Do Exterminators Cost?","sectionUrl":"https://www.forbes.com/home-improvement/pest-control/how-much-does-exterminator-cost/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Home Security Companies","sectionUrl":"https://www.forbes.com/home-improvement/home-security/best-home-security-companies/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Home Security Systems","sectionUrl":"https://www.forbes.com/home-improvement/home-security/best-home-security-systems/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home Security System Cost","sectionUrl":"https://www.forbes.com/home-improvement/home-security/home-security-system-cost/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cheapest Home Security Systems","sectionUrl":"https://www.forbes.com/home-improvement/home-security/cheapest-home-security-systems/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Wireless Home Security Systems","sectionUrl":"https://www.forbes.com/home-improvement/home-security/best-wireless-home-security-system/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Internet Providers","sectionUrl":"https://www.forbes.com/home-improvement/internet/best-internet-providers/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cheapest Internet Plans","sectionUrl":"https://www.forbes.com/home-improvement/internet/cheapest-internet-plans/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fastest High Speed Internet Providers","sectionUrl":"https://www.forbes.com/home-improvement/internet/fastest-high-speed-internet-provider/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Internet Only Plans","sectionUrl":"https://www.forbes.com/home-improvement/internet/best-internet-only-plans/"},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Fiber Internet Providers","sectionUrl":"https://www.forbes.com/home-improvement/internet/best-fiber-internet-providers/"}]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Forbes Advisor UK","sectionUrl":"https://www.forbes.com/uk/advisor/","sections":[]}],"title":"Advisor","url":"","type":"menu"},{"color":"insights-blue","position":14,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Diets","sectionUrl":"https://www.forbes.com/health/nutrition/diet/best-diets/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Healthy Aging","sectionUrl":"https://www.forbes.com/health/healthy-aging/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Medical Alert Systems","sectionUrl":"https://www.forbes.com/health/medical-alert-systems/best-medical-alert-systems/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Medicare","sectionUrl":"https://www.forbes.com/health/medicare/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Medicare Advantage Plans","sectionUrl":"https://www.forbes.com/health/medicare/best-medicare-advantage-providers/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Medicare Supplement Plans","sectionUrl":"https://www.forbes.com/health/medicare/best-medicare-supplement-providers/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Medicare Advantage By State","sectionUrl":"https://www.forbes.com/health/medicare/medicare-advantage-by-state/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Health Insurance","sectionUrl":"https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Hearing Aids","sectionUrl":"https://www.forbes.com/health/hearing-aids/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Hearing Aids","sectionUrl":"https://www.forbes.com/health/hearing-aids/best-hearing-aids/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Senior Living","sectionUrl":"https://www.forbes.com/health/senior-living/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mind","sectionUrl":"https://www.forbes.com/health/mind/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best Online Therapy","sectionUrl":"https://www.forbes.com/health/mind/best-online-therapy/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best CBD Gummies","sectionUrl":"https://www.forbes.com/health/cbd/best-cbd-gummies/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Best CBD Oil","sectionUrl":"https://www.forbes.com/health/cbd/best-cbd-oil/","sections":[]}],"title":"Health","url":"","type":"menu"},{"color":"default-gray","position":15,"sections":[],"title":"Lists","url":"https://www.forbes.com/lists/list-directory/","type":"menu"},{"color":"opulent-purple","position":16,"sections":[],"title":"Video","url":"https://www.forbes.com/video/","type":"menu"},{"color":"default-gray","position":17,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Confidential","sectionUrl":"http://bit.ly/2Y2rVX8","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Editorial Newsletters","sectionUrl":"https://account.forbes.com/newsletters/?utm_source=forbes&utm_medium=featured&utm_campaign=navigation","sections":[]}],"title":"Newsletters","url":"","type":"menu"},{"position":18,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Frase by Forbes","sectionUrl":"https://www.forbes.com/frase/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pinpoint by LinkedIn","sectionUrl":"https://www.forbes.com/games/pinpoint/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Queens by LinkedIn","sectionUrl":"https://www.forbes.com/games/queens/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crossclimb by LinkedIn","sectionUrl":"https://www.forbes.com/games/crossclimb/","sections":[]}],"title":"Forbes Games","url":"","type":"menu"},{"color":"merlot-burgundy","position":19,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Forbes Asia","sectionUrl":"https://www.forbes.com/forbesasia/#7cb46d1d2f95","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Free Issue of Forbes","sectionUrl":"https://w1.buysub.com/pubs/B4/FRB/16-forbes_relaunch_landingpage_2freetrial.jsp?cds_mag_code=FRB&cds_page_id=241223","sections":[]}],"title":"Forbes Magazine","url":"","type":"menu"},{"color":"default-gray","position":20,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Coronavirus Coverage","sectionUrl":"https://www.forbes.com/coronavirus/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Daily Cover Stories","sectionUrl":"https://www.forbes.com/daily-cover-stories/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Dark Capital","sectionUrl":"https://www.forbes.com/dark-capital/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Editors' Picks","sectionUrl":"https://www.forbes.com/editors-picks/","sections":[]}],"title":"Latest","url":"","type":"menu"},{"color":"default-gray","position":21,"sections":[],"title":"Breaking News","url":"https://www.forbes.com/news/","type":"menu"},{"color":"default-gray","position":22,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"2025 America's Top Women Wealth Advisors","sectionUrl":"https://www.forbes.com/lists/top-women-advisors/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"AI’s Nuanced Impact And A Quest To Quantify It","sectionUrl":"https://www.forbes.com/sites/forbes-research/2023/10/26/c-suite-data-reveals-ais-nuanced-impact--a-quest-to-quantify-it/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"DNA of Success","sectionUrl":"https://www.forbes.com/sites/forbesvideo/2023/11/01/dna-of-success-2023/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Embracing And Bracing For AI","sectionUrl":"https://www.forbes.com/sites/forbes-research/2023/10/26/new-forbes-survey-reveals-how-executives-are-embracing---and-bracing-for---ai/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Facing A Volatile Market, C-Suites Look To The CFO For Strategic Guidance","sectionUrl":"https://www.forbes.com/sites/forbes-research/2023/11/01/facing-a-volatile-market-c-suites-look-to-the-cfo-for-strategic-guidance/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Forbes Research: 2023 Small Business Survey","sectionUrl":"https://www.forbes.com/sites/forbes-research/2023/06/07/resiliency-and-ingenuity-revealed-in-new-forbes-small-business-research/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"Sponsored by LG","sectionTitle":"Hyoeun Kim On LG's Brand Promise, \"Life's Good\"","sectionUrl":"https://www.forbes.com/video/5dd30175-916e-4349-9cab-564a384e45da/hyoeun-kim-on-lgs-brand-promise-lifes-good/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"Thomson Reuters Insights: 4 Factors To Explore When Considering Professional-Grade AI ​","sectionUrl":"https://www.forbes.com/sites/insights-thomsonreuters/2024/10/30/4-factors-to-explore-when-considering-ai-for-professional-work/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"2025 Best In State Wealth Management Teams List","sectionUrl":"https://www.forbes.com/lists/wealth-management-teams-best-in-state/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"Brands That Won Big on TikTok","sectionUrl":"https://www.forbes.com/sites/tiktok/2025/01/15/brands-that-won-big-on-tiktok/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"H&R Block: Block Advisors BrandVoice - Take The Tax Season Challenge","sectionUrl":"https://www.forbes.com/sites/block-advisors/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"Your Four-Part Blueprint To Unlock AI Value In 2025","sectionUrl":"https://www.forbes.com/sites/avanade/2025/02/05/your-four-part-blueprint-to-unlock-ai-value-in-2025/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"Sponsored by Invesco QQQ: America's Top Women Wealth Advisors (Best in State) List","sectionUrl":"https://www.forbes.com/lists/best-in-state-women-advisors/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Leadership Lessons","sectionUrl":"https://www.forbes.com/sites/forbesvideo/2025/02/11/leadership-lessons/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":" | Paid Program","sectionLink":"","sectionSponsored":"","sectionTitle":"Diners Club International Celebrates 75 Years","sectionUrl":"https://www.forbes.com/sites/diners-club-international/2025/02/14/diners-club-international-celebrates-75-years/","sections":[]}],"title":"Featured","url":"","type":"menu"}],"adInventory":"7175","adZone":"article/premium/default/standard","assetTickerData":{},"anchorNavStyles":{"navbar":"background: #181716; color: #F4F9FC; font-family: Graphik;","navbarArrowCircle":"#F4F9FC","navbarArrow":"#181716"},"animatedBody":false,"articleId":"content_673b94f952cead20f0bc7793","bucket":"A","channelColor":"#0066B2","carouselConfig":{"isServerPrerender":true,"serverDomEngine":{"location":{"href":"about:blank","origin":"null","protocol":"about:","host":"","hostname":"","port":"","pathname":"blank","search":"","hash":""}},"inView":4,"slidesToScroll":3,"looping":true,"slides":[{"textContent":"<div class=\"top-stories-img-container\"><div class=\"top-stories-img-placeholder ratio16x9\"><a class=\"top-stories-img\" style=\"background-image:url(https://specials-images.forbesimg.com/imageserve/673cc4535bcebc71547afae2/0x0.jpg)\" href=\"https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/\" data-index=\"1\" data-ga-track=\"Top Story 1\"></a></div></div><div class=\"top-stories__date\"><time>Nov 19, 2024,</time><span class=\"time\"><time>06:30am EST</time></span></div><a class=\"top-stories__title\" data-ga-track=\"Top Story 1\" data-index=\"1\" href=\"https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/\">How Google Cloud’s Information Security Chief Is Preparing For AI Attackers</a>","scope":{"topStory":{"index":1,"title":"How Google Cloud’s Information Security Chief Is Preparing For AI Attackers","image":"https://specials-images.forbesimg.com/imageserve/673cc4535bcebc71547afae2/0x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Nov 19, 2024","hourMinute":"06:30","amPm":"am","isEDT":false,"unformattedDate":1732015800000},"uri":"https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/"}},"id":"21l4nj051aea00"},{"textContent":"<div class=\"top-stories-img-container\"><div class=\"top-stories-img-placeholder ratio16x9\"><a class=\"top-stories-img\" style=\"background-image:url(https://specials-images.forbesimg.com/imageserve/673cc470fecb116ccfcfdcc6/0x0.jpg)\" href=\"https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/\" data-index=\"2\" data-ga-track=\"Top Story 2\"></a></div></div><div class=\"top-stories__date\"><time>Nov 19, 2024,</time><span class=\"time\"><time>06:30am EST</time></span></div><a class=\"top-stories__title\" data-ga-track=\"Top Story 2\" data-index=\"2\" href=\"https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/\">NASA’s CIO On Managing IT In The Final Frontier</a>","scope":{"topStory":{"index":2,"title":"NASA’s CIO On Managing IT In The Final Frontier","image":"https://specials-images.forbesimg.com/imageserve/673cc470fecb116ccfcfdcc6/0x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Nov 19, 2024","hourMinute":"06:30","amPm":"am","isEDT":false,"unformattedDate":1732015800000},"uri":"https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/"}},"id":"df9kj1ea9ajc00"}],"breakpoints":[{"breakpoint":"@media all and (max-width: 767px)","config":{"enabled":false}},{"breakpoint":"@media all and (max-width: 768px)","config":{"inView":2,"slidesToScroll":1}},{"breakpoint":"@media all and (min-width: 1681px)","config":{"inView":6}}],"originalConfig":{"inView":4,"slidesToScroll":3,"looping":true,"slides":[{"textContent":"<div class=\"top-stories-img-container\"><div class=\"top-stories-img-placeholder ratio16x9\"><a class=\"top-stories-img\" style=\"background-image:url(https://specials-images.forbesimg.com/imageserve/673cc4535bcebc71547afae2/0x0.jpg)\" href=\"https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/\" data-index=\"1\" data-ga-track=\"Top Story 1\"></a></div></div><div class=\"top-stories__date\"><time>Nov 19, 2024,</time><span class=\"time\"><time>06:30am EST</time></span></div><a class=\"top-stories__title\" data-ga-track=\"Top Story 1\" data-index=\"1\" href=\"https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/\">How Google Cloud’s Information Security Chief Is Preparing For AI Attackers</a>","scope":{"topStory":{"index":1,"title":"How Google Cloud’s Information Security Chief Is Preparing For AI Attackers","image":"https://specials-images.forbesimg.com/imageserve/673cc4535bcebc71547afae2/0x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Nov 19, 2024","hourMinute":"06:30","amPm":"am","isEDT":false,"unformattedDate":1732015800000},"uri":"https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/"}},"id":"21l4nj051aea00"},{"textContent":"<div class=\"top-stories-img-container\"><div class=\"top-stories-img-placeholder ratio16x9\"><a class=\"top-stories-img\" style=\"background-image:url(https://specials-images.forbesimg.com/imageserve/673cc470fecb116ccfcfdcc6/0x0.jpg)\" href=\"https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/\" data-index=\"2\" data-ga-track=\"Top Story 2\"></a></div></div><div class=\"top-stories__date\"><time>Nov 19, 2024,</time><span class=\"time\"><time>06:30am EST</time></span></div><a class=\"top-stories__title\" data-ga-track=\"Top Story 2\" data-index=\"2\" href=\"https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/\">NASA’s CIO On Managing IT In The Final Frontier</a>","scope":{"topStory":{"index":2,"title":"NASA’s CIO On Managing IT In The Final Frontier","image":"https://specials-images.forbesimg.com/imageserve/673cc470fecb116ccfcfdcc6/0x0.jpg","isHappeningNowArticle":false,"date":{"monthDayYear":"Nov 19, 2024","hourMinute":"06:30","amPm":"am","isEDT":false,"unformattedDate":1732015800000},"uri":"https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/"}},"id":"df9kj1ea9ajc00"}],"breakpoints":[{"breakpoint":"@media all and (max-width: 767px)","config":{"enabled":false}},{"breakpoint":"@media all and (max-width: 768px)","config":{"inView":2,"slidesToScroll":1}},{"breakpoint":"@media all and (min-width: 1681px)","config":{"inView":6}}]}},"channelName":"Innovation","cookieName":"malcolm","env":"PRODUCTION","genAIData":{},"isAdLight":false,"isTopXAd":false,"isAffiliated":false,"isCanary":false,"isE2E":false,"isEurope":false,"isChina":false,"isUsDpa":false,"isUs":false,"isVwoEnabled":false,"isForbesFinds":false,"isJENewsletter":false,"isNewsletter":false,"isLocal":false,"isLegacy":false,"isPaidContent":false,"isPremiumTemplateType":true,"isStandardTemplateType":false,"isProd":true,"isSingleRec":false,"isLoggedIn":false,"live":{},"moreFromVideoData":[],"isSubscriber":false,"publicationId":"blogAuthorId/blog/author/blog-51509","relativeVideos":[],"recommendApi":"recommend.forbes.com","shouldGetMoreFromBlock":false,"showOpenWeb":false,"specialSlot":"cio-next","sentimentScore":"negative","storyPackageDynamicStyles":{"carouselArrowBackground":"#181716","carouselArrowColor":"#F4F9FC","carouselDateColor":"#333333"},"streamIndex":0,"swimLane":"","topStories":[{"uri":"https://www.forbes.com/sites/richardnieva/2024/11/19/google-cloud-ciso-phil-venables-cio-next/","date":1732015800000,"image":"https://specials-images.forbesimg.com/imageserve/673cc4535bcebc71547afae2/0x0.jpg","title":"How Google Cloud’s Information Security Chief Is Preparing For AI Attackers","blogType":"individual"},{"uri":"https://www.forbes.com/sites/alexknapp/2024/11/19/nasas-cio-on-managing-it-in-the-final-frontier/","date":1732015800000,"image":"https://specials-images.forbesimg.com/imageserve/673cc470fecb116ccfcfdcc6/0x0.jpg","title":"NASA’s CIO On Managing IT In The Final Frontier","blogType":"individual"}],"tracking":{"author":"Richard Nieva","bertie":"true","bertieBadgeSlugs":"daily-cover,editors-pick","blogType":"individual","brandVoice":"","bvCategory":[],"bvContentSource":"","bvProgramType":"","categories":"Innovation","channelNames":"Innovation","coAuthor":"","coAuthorControl":"false","contribDivision":"FC","contribType":"Forbes Staff","coreBrands":"","coverStory":true,"customPage":"https://www.forbes.com/sites/richardnieva/2024/11/19/the-forbes-cio-next-list-2024/","desktopArticle":true,"dfpZone":"article-d-prem","edit":"list-cionext-2024","editorsPick":true,"entitySegments":["investing","ai","google","cybersecurity","techbrands","personalfinance"],"gamZone":"article/premium/default/standard","gamZoneAmpAnalytics":"article/premium/default/standard","gitBranch":"main","hashtags":"","hashtagsTrending":"","heroImage":"false","imageCount":50,"insights":"","isGroupBlog":false,"isRetracted":false,"isSponsored":true,"login":"false","naturalID":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793","negativeSentimentCompanies":"","newsKeywords":"Marian Lee Netflix,Tariq Hassan McDonald's,Dara Treseder Autodesk,Forbes CMO Hall of Fame,Frank Cooper Visa,William White Walmart,Andrea Brimmer Ally Financial,Asmita Dubey L'Oreal,Chris Davis New Balance,Kofi Amoo-Gottfriend DoorDash","pageNumber":1,"pageTitle":"","pageTotal":1,"pageType":"blog:premium","paidContentBrand":"","paidContentType":"","primaryChannel":"Innovation","primarySection":"","publicationAuthor":"Richard Nieva","publishDate":"2024-11-19","quantcastData":"","recircUnit":"","sectionNames":"","sections":"FC,Innovation,cio-next,list-cionext-2024","seniorContributor":"false","sentimentCompanies":"","siteSlug":"richardnieva","slot":"cio-next","stockTicker":"false","streamPosition":0,"templateType":"premium","templateSubType":"","title":"The Forbes CIO Next List: 2024","version":"ss-article-desktop","videoLocation":"","contentPaywall":"free","categoryId":"","naturalIdVersion":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793_267"},"canEditArticle":false,"fdaSubNav":[{"position":1,"sections":[],"title":"Home","url":"https://www.forbes.com/digital-assets/","type":"menu"},{"position":2,"sections":[],"title":"Web3 Community","url":"https://www.forbes.com/digital-assets/community/","type":"menu"},{"position":3,"sections":[],"title":"News","url":"https://www.forbes.com/digital-assets/news/","type":"menu"},{"position":4,"sections":[],"title":"Crypto Prices","url":"https://www.forbes.com/digital-assets/crypto-prices/","type":"menu"},{"position":5,"sections":[],"title":"NFT Prices","url":"https://www.forbes.com/digital-assets/nft-prices/","type":"menu"},{"position":6,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Basics","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-basics/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"BTC","sectionUrl":"https://www.forbes.com/digital-assets/learn/btc/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"DeFi","sectionUrl":"https://www.forbes.com/digital-assets/learn/defi/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Web3 Education","sectionUrl":"https://www.forbes.com/digital-assets/learn/web3-education/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"NFTs","sectionUrl":"https://www.forbes.com/digital-assets/learn/nfts/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Investments","sectionUrl":"https://www.forbes.com/digital-assets/learn/crypto-investments/","sections":[]}],"title":"Learn","url":"https://www.forbes.com/digital-assets/learn/","type":"menu"},{"position":7,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Crypto Portfolios","sectionUrl":"https://www.forbes.com/digital-assets/crypto-advisor-portfolio/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Events","sectionUrl":"https://www.forbes.com/digital-assets/events/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Research","sectionUrl":"https://www.forbes.com/digital-assets/research/","sections":[]}],"title":"More","url":"","type":"menu"}],"award":[],"affiliatedLinks":[],"isFda":false,"forbesOneContext":{"multi-label-classifier":{"naturalId":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793","modelDisplayName":"multi-label-classifier","modelVersionId":"12","model":"mlc","prediction":[{"id":"13","label":"Medical Health","tiers":[{"label":"Diseases and Conditions","id":"13.1","tiers":[{"label":"Infectious Diseases","id":"13.1.15"}]}]},{"id":"26","label":"Technology & Computing","tiers":[{"label":"Artificial Intelligence","id":"26.1"}]},{"id":"3","label":"Business and Finance","tiers":[{"label":"Industries","id":"3.3","tiers":[{"label":"Technology Industry","id":"3.3.31"}]},{"label":"Business","id":"3.1","tiers":[{"label":"Business Operations","id":"3.1.5"}]}]}]},"emotion-v1":{"naturalId":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793","modelDisplayName":"emotion-v1","modelVersionId":"5","model":"emotion","prediction":[{"emotion":"neutral"}]},"topics":{"naturalId":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793","modelDisplayName":"topics","model":"TOPIC","topics":"enterprise-commerce,enterprise-growth-strategy,artificial-intelligence,technology-industry","channels":"Innovation,Money,Business"},"named-entity-recognition-3":{"naturalId":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793","modelDisplayName":"named-entity-recognition-3","modelVersionId":"10","model":"ner","prediction":[{"token":"accenture rajendra prasad","tag":"ORG","prob":0.9535191853841146,"geo_cat":""},{"token":"bristol myers squibb","tag":"ORG","prob":0.9538576801617941,"geo_cat":""},{"token":"pfizer","tag":"ORG","prob":0.9547604322433472,"geo_cat":""},{"token":"svp consumer business group company","tag":"ORG","prob":0.9564410249392191,"geo_cat":""},{"token":"prakash kota","tag":"ORG","prob":0.9565962851047516,"geo_cat":""},{"token":"fannie mae","tag":"ORG","prob":0.9573272466659546,"geo_cat":""},{"token":"microsoft copilot","tag":"ORG","prob":0.957727313041687,"geo_cat":""},{"token":"marriott bonvoy mobile","tag":"ORG","prob":0.9591556390126547,"geo_cat":""},{"token":"toast","tag":"ORG","prob":0.9599297046661377,"geo_cat":""},{"token":"cto","tag":"ORG","prob":0.9607088565826416,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9614309668540955,"geo_cat":""},{"token":"cdo","tag":"ORG","prob":0.9617169499397278,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9623839259147644,"geo_cat":""},{"token":"honeywell aerospace","tag":"ORG","prob":0.9629958868026733,"geo_cat":""},{"token":"microsoft joy chik","tag":"ORG","prob":0.9634392658869425,"geo_cat":""},{"token":"coo","tag":"ORG","prob":0.9660073518753052,"geo_cat":""},{"token":"lockheed martin","tag":"ORG","prob":0.967846691608429,"geo_cat":""},{"token":"pfizer fonseca","tag":"ORG","prob":0.9708516597747803,"geo_cat":""},{"token":"varian medical systems","tag":"ORG","prob":0.9714876413345337,"geo_cat":""},{"token":"hpe","tag":"ORG","prob":0.9719093441963196,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.972714364528656,"geo_cat":""},{"token":"wells fargo","tag":"ORG","prob":0.9728907644748688,"geo_cat":""},{"token":"johnson","tag":"ORG","prob":0.9733691215515137,"geo_cat":""},{"token":"docusign","tag":"ORG","prob":0.9739410877227783,"geo_cat":""},{"token":"walmart global tech","tag":"ORG","prob":0.9743181665738424,"geo_cat":""},{"token":"kobberod","tag":"ORG","prob":0.9755823016166687,"geo_cat":""},{"token":"adobe","tag":"ORG","prob":0.9758316576480865,"geo_cat":""},{"token":"ciso","tag":"ORG","prob":0.9765238165855408,"geo_cat":""},{"token":"audible","tag":"ORG","prob":0.9767436981201172,"geo_cat":""},{"token":"forbes","tag":"ORG","prob":0.9769594669342041,"geo_cat":""},{"token":"zscaler","tag":"ORG","prob":0.977277934551239,"geo_cat":""},{"token":"verizon","tag":"ORG","prob":0.9774190187454224,"geo_cat":""},{"token":"genwizard","tag":"ORG","prob":0.9779438972473145,"geo_cat":""},{"token":"united airlines","tag":"ORG","prob":0.9780415892601013,"geo_cat":""},{"token":"frontier communications","tag":"ORG","prob":0.9785556793212891,"geo_cat":""},{"token":"intel","tag":"ORG","prob":0.9789963960647583,"geo_cat":""},{"token":"broadcom","tag":"ORG","prob":0.9793652892112732,"geo_cat":""},{"token":"nxp semiconductors","tag":"ORG","prob":0.9794004261493683,"geo_cat":""},{"token":"verizon consumer group","tag":"ORG","prob":0.9795731902122498,"geo_cat":""},{"token":"fannie mae","tag":"ORG","prob":0.9801498055458069,"geo_cat":""},{"token":"department energy","tag":"ORG","prob":0.9813398917516073,"geo_cat":""},{"token":"nxp","tag":"ORG","prob":0.9815862774848938,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9818923473358154,"geo_cat":""},{"token":"ally financial","tag":"ORG","prob":0.9827532172203064,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9833438992500305,"geo_cat":""},{"token":"toast","tag":"ORG","prob":0.9834662079811096,"geo_cat":""},{"token":"ally","tag":"ORG","prob":0.9840716123580933,"geo_cat":""},{"token":"taneja","tag":"ORG","prob":0.9846083521842957,"geo_cat":""},{"token":"chrapaty","tag":"ORG","prob":0.9847719073295593,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9851507544517517,"geo_cat":""},{"token":"ups","tag":"ORG","prob":0.9855231046676636,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9855917692184448,"geo_cat":""},{"token":"docusign","tag":"ORG","prob":0.9856363534927368,"geo_cat":""},{"token":"cvs health","tag":"ORG","prob":0.9857446551322937,"geo_cat":""},{"token":"cto","tag":"ORG","prob":0.9859099388122559,"geo_cat":""},{"token":"atlassian","tag":"ORG","prob":0.986717700958252,"geo_cat":""},{"token":"intel","tag":"ORG","prob":0.9871932864189148,"geo_cat":""},{"token":"united airlines","tag":"ORG","prob":0.9875480532646179,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9879676699638367,"geo_cat":""},{"token":"taneja","tag":"ORG","prob":0.9881144165992737,"geo_cat":""},{"token":"atlassian","tag":"ORG","prob":0.9882583618164062,"geo_cat":""},{"token":"major league baseball","tag":"ORG","prob":0.9882858196894327,"geo_cat":""},{"token":"walmart","tag":"ORG","prob":0.9886475205421448,"geo_cat":""},{"token":"hodge","tag":"ORG","prob":0.9888812899589539,"geo_cat":""},{"token":"zoom","tag":"ORG","prob":0.9891764521598816,"geo_cat":""},{"token":"netflix","tag":"ORG","prob":0.9894347786903381,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9896663427352905,"geo_cat":""},{"token":"fannie mae","tag":"ORG","prob":0.9899957180023193,"geo_cat":""},{"token":"okta","tag":"ORG","prob":0.990171492099762,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9903349876403809,"geo_cat":""},{"token":"gofundme","tag":"ORG","prob":0.9907302558422089,"geo_cat":""},{"token":"hpe","tag":"ORG","prob":0.9907363057136536,"geo_cat":""},{"token":"international finance corporation","tag":"ORG","prob":0.9909829497337341,"geo_cat":""},{"token":"verizon consumer group","tag":"ORG","prob":0.9913395841916403,"geo_cat":""},{"token":"marykay wells","tag":"ORG","prob":0.9915921092033386,"geo_cat":""},{"token":"coca cola","tag":"ORG","prob":0.9919273853302002,"geo_cat":""},{"token":"forbes","tag":"ORG","prob":0.9920235872268677,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.99216228723526,"geo_cat":""},{"token":"bristol myers squibb","tag":"ORG","prob":0.9922870596249899,"geo_cat":""},{"token":"google","tag":"ORG","prob":0.9922952651977539,"geo_cat":""},{"token":"wesco international","tag":"ORG","prob":0.9924384653568268,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9926148653030396,"geo_cat":""},{"token":"coalition city cisos","tag":"ORG","prob":0.9926272034645081,"geo_cat":""},{"token":"previn","tag":"ORG","prob":0.9928449988365173,"geo_cat":""},{"token":"extreme networks","tag":"ORG","prob":0.9929512441158295,"geo_cat":""},{"token":"department defense","tag":"ORG","prob":0.9932241638501486,"geo_cat":""},{"token":"nasa","tag":"ORG","prob":0.9932934045791626,"geo_cat":""},{"token":"docusign","tag":"ORG","prob":0.9934195876121521,"geo_cat":""},{"token":"mckinsey","tag":"ORG","prob":0.9935304522514343,"geo_cat":""},{"token":"zoom","tag":"ORG","prob":0.9937493801116943,"geo_cat":""},{"token":"akash khurana","tag":"ORG","prob":0.994059145450592,"geo_cat":""},{"token":"wells","tag":"ORG","prob":0.9940726161003113,"geo_cat":""},{"token":"tekelec","tag":"ORG","prob":0.9945194125175476,"geo_cat":""},{"token":"american express","tag":"ORG","prob":0.9945821762084961,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9946004152297974,"geo_cat":""},{"token":"google","tag":"ORG","prob":0.9948563575744629,"geo_cat":""},{"token":"hpe","tag":"ORG","prob":0.9948830604553223,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9949359893798828,"geo_cat":""},{"token":"marriott bonvoy","tag":"ORG","prob":0.9950026869773865,"geo_cat":""},{"token":"tiaa","tag":"ORG","prob":0.9950586557388306,"geo_cat":""},{"token":"visa","tag":"ORG","prob":0.9951445460319519,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9952523708343506,"geo_cat":""},{"token":"nxp","tag":"ORG","prob":0.995408833026886,"geo_cat":""},{"token":"mattu","tag":"ORG","prob":0.9954301118850708,"geo_cat":""},{"token":"redfin","tag":"ORG","prob":0.9955036640167236,"geo_cat":""},{"token":"ciso","tag":"ORG","prob":0.9956199526786804,"geo_cat":""},{"token":"united","tag":"ORG","prob":0.9957543611526489,"geo_cat":""},{"token":"tysen","tag":"ORG","prob":0.9961726069450378,"geo_cat":""},{"token":"frontier communications","tag":"ORG","prob":0.9962057769298553,"geo_cat":""},{"token":"redfin","tag":"ORG","prob":0.9962474703788757,"geo_cat":""},{"token":"nvidia","tag":"ORG","prob":0.9964434504508972,"geo_cat":""},{"token":"openai","tag":"ORG","prob":0.9965218305587769,"geo_cat":""},{"token":"kpmg","tag":"ORG","prob":0.9966004490852356,"geo_cat":""},{"token":"lockheed martin","tag":"ORG","prob":0.9966093599796295,"geo_cat":""},{"token":"allstate","tag":"ORG","prob":0.9966880679130554,"geo_cat":""},{"token":"ibm","tag":"ORG","prob":0.9968124032020569,"geo_cat":""},{"token":"marriott international","tag":"ORG","prob":0.9968465268611908,"geo_cat":""},{"token":"kpmg","tag":"ORG","prob":0.9968865513801575,"geo_cat":""},{"token":"intuit","tag":"ORG","prob":0.9969005584716797,"geo_cat":""},{"token":"solventum","tag":"ORG","prob":0.9970148801803589,"geo_cat":""},{"token":"netflix","tag":"ORG","prob":0.9970253109931946,"geo_cat":""},{"token":"durvasula","tag":"ORG","prob":0.997056245803833,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9971268773078918,"geo_cat":""},{"token":"walmart","tag":"ORG","prob":0.9971804618835449,"geo_cat":""},{"token":"coca cola","tag":"ORG","prob":0.9972121119499207,"geo_cat":""},{"token":"redfin","tag":"ORG","prob":0.9972596168518066,"geo_cat":""},{"token":"capital","tag":"ORG","prob":0.9972914755344391,"geo_cat":""},{"token":"rp","tag":"ORG","prob":0.9975185394287109,"geo_cat":""},{"token":"cisco","tag":"ORG","prob":0.9975258708000183,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9977887868881226,"geo_cat":""},{"token":"ciso","tag":"ORG","prob":0.9978358149528503,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9978814721107483,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9979321956634521,"geo_cat":""},{"token":"ifc","tag":"ORG","prob":0.9979665279388428,"geo_cat":""},{"token":"frontier","tag":"ORG","prob":0.9980332255363464,"geo_cat":""},{"token":"verizon","tag":"ORG","prob":0.9980610013008118,"geo_cat":""},{"token":"lockheed martin","tag":"ORG","prob":0.9980666637420654,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.9982074499130249,"geo_cat":""},{"token":"allstate","tag":"ORG","prob":0.9982424974441528,"geo_cat":""},{"token":"ai","tag":"ORG","prob":0.9982627034187317,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9982686042785645,"geo_cat":""},{"token":"autodesk","tag":"ORG","prob":0.9983627200126648,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9984145164489746,"geo_cat":""},{"token":"walmart","tag":"ORG","prob":0.9984649419784546,"geo_cat":""},{"token":"uber","tag":"ORG","prob":0.998489499092102,"geo_cat":""},{"token":"microsoft","tag":"ORG","prob":0.998497724533081,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9985737800598145,"geo_cat":""},{"token":"nasa","tag":"ORG","prob":0.9986316561698914,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9986542463302612,"geo_cat":""},{"token":"intuit","tag":"ORG","prob":0.9987447261810303,"geo_cat":""},{"token":"dunkin","tag":"ORG","prob":0.9988418221473694,"geo_cat":""},{"token":"lockheed martin","tag":"ORG","prob":0.9988472759723663,"geo_cat":""},{"token":"bristol myers squibb","tag":"ORG","prob":0.9988499482472738,"geo_cat":""},{"token":"united airlines","tag":"ORG","prob":0.9988853335380554,"geo_cat":""},{"token":"nortel","tag":"ORG","prob":0.9990233182907104,"geo_cat":""},{"token":"intuit","tag":"ORG","prob":0.9990274906158447,"geo_cat":""},{"token":"google","tag":"ORG","prob":0.999127209186554,"geo_cat":""},{"token":"cio","tag":"ORG","prob":0.9991304278373718,"geo_cat":""},{"token":"vmware","tag":"ORG","prob":0.9991668462753296,"geo_cat":""},{"token":"accenture","tag":"ORG","prob":0.9992595314979553,"geo_cat":""},{"token":"google","tag":"ORG","prob":0.9993084669113159,"geo_cat":""},{"token":"walmart","tag":"ORG","prob":0.999407172203064,"geo_cat":""},{"token":"coca cola","tag":"ORG","prob":0.9995124340057373,"geo_cat":""},{"token":"coca cola","tag":"ORG","prob":0.9995719790458679,"geo_cat":""},{"token":"zoom","tag":"ORG","prob":0.9995785355567932,"geo_cat":""},{"token":"atlassian","tag":"ORG","prob":0.9996719360351562,"geo_cat":""},{"token":"walmart","tag":"ORG","prob":0.9996814727783203,"geo_cat":""},{"token":"zoom","tag":"ORG","prob":0.9996870756149292,"geo_cat":""},{"token":"moderna","tag":"ORG","prob":0.9998270869255066,"geo_cat":""},{"token":"accenture","tag":"ORG","prob":0.9998435974121094,"geo_cat":""},{"token":"ifc","tag":"ORG","prob":0.9998612403869629,"geo_cat":""},{"token":"pfizer","tag":"ORG","prob":0.999924898147583,"geo_cat":""},{"token":"accenture","tag":"ORG","prob":0.9999262094497681,"geo_cat":""},{"token":"tiaa","tag":"ORG","prob":0.9999502897262573,"geo_cat":""},{"token":"","tag":"LOC","prob":0.9946035742759705,"geo_cat":"other"},{"token":"santa clara","tag":"LOC","prob":0.995612621307373,"geo_cat":"other"},{"token":"dallas fort worth","tag":"LOC","prob":0.99684938788414,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9985517859458923,"geo_cat":"other"},{"token":"san francisco","tag":"LOC","prob":0.9996352195739746,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9997082352638245,"geo_cat":"other"},{"token":"philadelphia","tag":"LOC","prob":0.9997658133506775,"geo_cat":"other"},{"token":"","tag":"LOC","prob":0.9998294115066528,"geo_cat":"other"},{"token":"san francisco","tag":"LOC","prob":0.9998311698436737,"geo_cat":"other"},{"token":"bridget frey","tag":"PER","prob":0.9594327211380005,"geo_cat":""},{"token":"tim martin","tag":"PER","prob":0.9600277543067932,"geo_cat":""},{"token":"jonathan lofthouse","tag":"PER","prob":0.9653058052062988,"geo_cat":""},{"token":"jeff seaton","tag":"PER","prob":0.966454029083252,"geo_cat":""},{"token":"ann dunkin","tag":"PER","prob":0.9726794958114624,"geo_cat":""},{"token":"rajat taneja","tag":"PER","prob":0.9744290709495544,"geo_cat":""},{"token":"muthukrishnan","tag":"PER","prob":0.9747604131698608,"geo_cat":""},{"token":"previn","tag":"PER","prob":0.9756152033805847,"geo_cat":""},{"token":"rani johnson","tag":"PER","prob":0.9779177904129028,"geo_cat":""},{"token":"bella sayegh","tag":"PER","prob":0.9784792363643646,"geo_cat":""},{"token":"shadman zafar","tag":"PER","prob":0.9795158803462982,"geo_cat":""},{"token":"hodge","tag":"PER","prob":0.9833558797836304,"geo_cat":""},{"token":"tysen","tag":"PER","prob":0.9836577773094177,"geo_cat":""},{"token":"pinto","tag":"PER","prob":0.9839035272598267,"geo_cat":""},{"token":"neeraj tolmare","tag":"PER","prob":0.9840189516544342,"geo_cat":""},{"token":"chik","tag":"PER","prob":0.9855242371559143,"geo_cat":""},{"token":"debra chrapaty","tag":"PER","prob":0.9857706129550934,"geo_cat":""},{"token":"venables","tag":"PER","prob":0.9897109866142273,"geo_cat":""},{"token":"finkelstein","tag":"PER","prob":0.9897848963737488,"geo_cat":""},{"token":"becky kobberod","tag":"PER","prob":0.9907446503639221,"geo_cat":""},{"token":"iyer","tag":"PER","prob":0.9917253255844116,"geo_cat":""},{"token":"bharadwaj","tag":"PER","prob":0.9925392270088196,"geo_cat":""},{"token":"cynthia stoddard","tag":"PER","prob":0.9925812482833862,"geo_cat":""},{"token":"wells","tag":"PER","prob":0.9930398464202881,"geo_cat":""},{"token":"pinto","tag":"PER","prob":0.9955549836158752,"geo_cat":""},{"token":"alan davidson","tag":"PER","prob":0.995803564786911,"geo_cat":""},{"token":"chrapaty","tag":"PER","prob":0.995959460735321,"geo_cat":""},{"token":"stoddard","tag":"PER","prob":0.9961560368537903,"geo_cat":""},{"token":"birnbaum","tag":"PER","prob":0.9963412880897522,"geo_cat":""},{"token":"ann dunkin","tag":"PER","prob":0.9967624545097351,"geo_cat":""},{"token":"kumar","tag":"PER","prob":0.9973498582839966,"geo_cat":""},{"token":"brad miller","tag":"PER","prob":0.9973554313182831,"geo_cat":""},{"token":"mark mathewson","tag":"PER","prob":0.997368335723877,"geo_cat":""},{"token":"zafar","tag":"PER","prob":0.9975215792655945,"geo_cat":""},{"token":"fontenot","tag":"PER","prob":0.9981263279914856,"geo_cat":""},{"token":"richard nieva","tag":"PER","prob":0.998730480670929,"geo_cat":""},{"token":"stone","tag":"PER","prob":0.9988338351249695,"geo_cat":""},{"token":"alex solomon","tag":"PER","prob":0.9988700151443481,"geo_cat":""},{"token":"tim martin","tag":"PER","prob":0.9989923536777496,"geo_cat":""},{"token":"davidson","tag":"PER","prob":0.9990480542182922,"geo_cat":""},{"token":"jim swanson","tag":"PER","prob":0.9992163181304932,"geo_cat":""},{"token":"russo","tag":"PER","prob":0.9992338418960571,"geo_cat":""},{"token":"mark murphy","tag":"PER","prob":0.9992969930171967,"geo_cat":""},{"token":"prasad","tag":"PER","prob":0.999354898929596,"geo_cat":""},{"token":"makstman","tag":"PER","prob":0.999417781829834,"geo_cat":""},{"token":"arnie katz","tag":"PER","prob":0.9994601607322693,"geo_cat":""},{"token":"emma kinery","tag":"PER","prob":0.9994644522666931,"geo_cat":""},{"token":"venable","tag":"PER","prob":0.9995032548904419,"geo_cat":""},{"token":"yvonne hodge","tag":"PER","prob":0.9995106160640717,"geo_cat":""},{"token":"russo","tag":"PER","prob":0.9995623230934143,"geo_cat":""},{"token":"joe biden","tag":"PER","prob":0.9996017515659332,"geo_cat":""},{"token":"kumar","tag":"PER","prob":0.9996973276138306,"geo_cat":""},{"token":"makstman","tag":"PER","prob":0.9997071623802185,"geo_cat":""},{"token":"seaton","tag":"PER","prob":0.9997674822807312,"geo_cat":""},{"token":"finkelstein","tag":"PER","prob":0.9998119473457336,"geo_cat":""},{"token":"michael adams","tag":"PER","prob":0.9998186528682709,"geo_cat":""},{"token":"alex knapp","tag":"PER","prob":0.9998306334018707,"geo_cat":""},{"token":"stone","tag":"PER","prob":0.9998569488525391,"geo_cat":""},{"token":"jonathan lofthouse","tag":"PER","prob":0.9998581111431122,"geo_cat":""},{"token":"jason birnbaum","tag":"PER","prob":0.9998870193958282,"geo_cat":""},{"token":"johnson","tag":"PER","prob":0.9999089241027832,"geo_cat":""},{"token":"khurana","tag":"PER","prob":0.9999432563781738,"geo_cat":""},{"token":"finkelstein","tag":"PER","prob":0.9999454021453857,"geo_cat":""},{"token":"murphy","tag":"PER","prob":0.9999518394470215,"geo_cat":""},{"token":"miller","tag":"PER","prob":0.9999644756317139,"geo_cat":""},{"token":"adams","tag":"PER","prob":0.9999656677246094,"geo_cat":""},{"token":"miller","tag":"PER","prob":0.9999748468399048,"geo_cat":""},{"token":"jeevanjee","tag":"PER","prob":0.9999762773513794,"geo_cat":""},{"token":"frey","tag":"PER","prob":0.9999914169311523,"geo_cat":""},{"token":"martin","tag":"PER","prob":0.9999933242797852,"geo_cat":""}]},"ptgs-v2":{"naturalId":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793","modelDisplayName":"ptgs-v2","modelVersionId":"16","model":"ptgs","prediction":[{"prediction":1,"predicted_probability":0.48935398}]},"ad-revenue":{"naturalId":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793","modelDisplayName":"ad-revenue","modelVersionId":"7","model":"ar","prediction":[{"predicted_probability":0.5125738,"predicted_category":3}]},"content-quality-v1":{"naturalId":"blogAndPostId/blog/post/51509-673b94f952cead20f0bc7793","modelDisplayName":"content-quality-v1","modelVersionId":"2","model":"cq","prediction":[{"content_quality":0.99966013}]}},"socialMap":{"email":{"sharingLink":"mailto:?subject=The%20Forbes%20CIO%20Next%20List%3A%202024%20-%20Forbes&body=%0AHi%2C%0A%0AI%20thought%20you'd%20like%20this%3A%0Ahttps%3A%2F%2Fwww.forbes.com%2Fsites%2Frichardnieva%2F2024%2F11%2F19%2Fthe-forbes-cio-next-list-2024%2F%0A%0AThe%20Forbes%20CIO%20Next%20List%3A%202024%20-%20Forbes%0A","platform":"Email"},"facebook":{"sharingLink":"https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fsites%2Frichardnieva%2F2024%2F11%2F19%2Fthe-forbes-cio-next-list-2024%2F","platform":"Facebook"},"twitter":{"sharingLink":"https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Frichardnieva%2F2024%2F11%2F19%2Fthe-forbes-cio-next-list-2024%2F&text=The%20Forbes%20CIO%20Next%20List%3A%202024%20via%20%40forbes","platform":"Twitter"},"linkedin":{"sharingLink":"https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Frichardnieva%2F2024%2F11%2F19%2Fthe-forbes-cio-next-list-2024%2F&title=The%20Forbes%20CIO%20Next%20List%3A%202024&summary=Discover%20Forbes'%202024%20CIO%20Next%20list%2C%20featuring%20top%20Chief%20Information%20Officers%20and%20tech%20leaders%20driving%20transformation%20and%20digital%20strategy%20in%20today's%20tech%20landscape.","platform":"Linkedin"},"pocket":{"sharingLink":"https://getpocket.com/save?url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Frichardnieva%2F2024%2F11%2F19%2Fthe-forbes-cio-next-list-2024%2F","platform":"Pocket"},"reddit":{"sharingLink":"https://reddit.com/submit?url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Frichardnieva%2F2024%2F11%2F19%2Fthe-forbes-cio-next-list-2024%2F&title=The%20Forbes%20CIO%20Next%20List%3A%202024","platform":"Reddit"},"flipboard":{"sharingLink":"https://share.flipboard.com/bookmarklet/popout?v=2&url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Frichardnieva%2F2024%2F11%2F19%2Fthe-forbes-cio-next-list-2024%2F&title=The%20Forbes%20CIO%20Next%20List%3A%202024","platform":"Flipboard"}},"topics":"medical-health,diseases-and-conditions,infectious-diseases,technology-computing,artificial-intelligence,business-and-finance,industries,technology-industry,business,business-operations","topicSlugs":"enterprise-commerce,enterprise-growth-strategy,artificial-intelligence,technology-industry","vettedSubNav":[{"position":1,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Bed Frames","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/bed-frames/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mattresses","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/mattresses/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mattress Toppers","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/mattress-toppers/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pillows","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/pillows/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Sheets & Bedding","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/sheets-bedding/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Sleep Products","sectionUrl":"https://www.forbes.com/vetted/mattress-sleep/sleep-products/","sections":[]}],"title":"Mattress & Sleep","url":"https://www.forbes.com/vetted/mattress-sleep/","type":"menu"},{"position":2,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Bathroom","sectionUrl":"https://www.forbes.com/vetted/home/bathroom/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cleaning & Laundry","sectionUrl":"https://www.forbes.com/vetted/home/cleaning-laundry/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Decor","sectionUrl":"https://www.forbes.com/vetted/home/decor/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Furniture","sectionUrl":"https://www.forbes.com/vetted/home/furniture/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Heating & Cooling","sectionUrl":"https://www.forbes.com/vetted/home/heating-cooling/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Hobbies","sectionUrl":"https://www.forbes.com/vetted/home/hobbies/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home Office","sectionUrl":"https://www.forbes.com/vetted/home-office/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Kitchen & Dining","sectionUrl":"https://www.forbes.com/vetted/home/kitchen-dining/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Outdoor","sectionUrl":"https://www.forbes.com/vetted/home/outdoor/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pets","sectionUrl":"https://www.forbes.com/vetted/home/pets/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Storage & Organization","sectionUrl":"https://www.forbes.com/vetted/home/storage-organization/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tools","sectionUrl":"https://www.forbes.com/vetted/home/tools/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wine & Bar","sectionUrl":"https://www.forbes.com/vetted/home/wine-bar/","sections":[]}],"title":"Home","url":"https://www.forbes.com/vetted/home/","type":"menu"},{"position":3,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Accessories","sectionUrl":"https://www.forbes.com/vetted/fashion/accessories/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Clothing","sectionUrl":"https://www.forbes.com/vetted/fashion/clothing/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Eyewear","sectionUrl":"https://www.forbes.com/vetted/fashion/eyewear/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Footwear","sectionUrl":"https://www.forbes.com/vetted/fashion/footwear/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Jewelry","sectionUrl":"https://www.forbes.com/vetted/fashion/jewelry/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Handbags & Purses","sectionUrl":"https://www.forbes.com/vetted/fashion/handbags-purses/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Lingerie & Sleepwear","sectionUrl":"https://www.forbes.com/vetted/fashion/lingerie-sleepwear/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Outdoor & Fitness Apparel","sectionUrl":"https://www.forbes.com/vetted/fashion/outdoor-fitness-apparel/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Outerwear","sectionUrl":"https://www.forbes.com/vetted/fashion/outerwear/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Watches","sectionUrl":"https://www.forbes.com/vetted/fashion/watches/","sections":[]}],"title":"Fashion","url":"https://www.forbes.com/vetted/fashion/","type":"menu"},{"position":4,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Baby Gear","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/baby-gear/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Kids Clothes & Accessories","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/kids-clothes-accessories/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Nursery","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/nursery/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Pregnancy & Postpartum","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/pregnancy-postpartum/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Toys & Books","sectionUrl":"https://www.forbes.com/vetted/kids-baby-gear/toys-books/","sections":[]}],"title":"Kids & Baby Gear","url":"https://www.forbes.com/vetted/kids-baby-gear/","type":"menu"},{"position":5,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Apparel & Accessories","sectionUrl":"https://www.forbes.com/vetted/gear/apparel-accessories/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Bikes","sectionUrl":"https://www.forbes.com/vetted/gear/bikes/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Camping & Hiking","sectionUrl":"https://www.forbes.com/vetted/gear/camping-hiking/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Climbing","sectionUrl":"https://www.forbes.com/vetted/gear/climbing/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fishing & Hunting","sectionUrl":"https://www.forbes.com/vetted/gear/fishing-hunting/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fitness","sectionUrl":"https://www.forbes.com/vetted/gear/fitness/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Golf","sectionUrl":"https://www.forbes.com/vetted/gear/golf/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Running","sectionUrl":"https://www.forbes.com/vetted/gear/running/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tennis & Racket Sports","sectionUrl":"https://www.forbes.com/vetted/gear/tennis-racket-sports/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tools & Tech","sectionUrl":"https://www.forbes.com/vetted/gear/tools-tech/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Training & Recovery","sectionUrl":"https://www.forbes.com/vetted/gear/training-recovery/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Water Sports","sectionUrl":"https://www.forbes.com/vetted/gear/water-sports/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wellness","sectionUrl":"https://www.forbes.com/vetted/gear/wellness/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Winter Sports","sectionUrl":"https://www.forbes.com/vetted/gear/winter-sports/","sections":[]}],"title":"Gear","url":"https://www.forbes.com/vetted/gear/","type":"menu"},{"position":6,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Haircare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/haircare/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Makeup","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/makeup/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Nailcare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/nailcare/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Shaving","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/shaving/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Skincare","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/skincare/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Personal Products","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/personal-products/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wellness & Self Care","sectionUrl":"https://www.forbes.com/vetted/beauty-grooming/wellness-self-care/","sections":[]}],"title":"Beauty & Grooming","url":"https://www.forbes.com/vetted/beauty-grooming/","type":"menu"},{"position":7,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Audio","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/audio/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cameras","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/cameras/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Computers, Tablets & Accessories","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/computers-tablets-accessories/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Gaming","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/gaming/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home Office","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/home-office/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Online Tools","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/online-tools/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Smart Home Devices","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/smart-home-devices/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Smartphones, Smartwatches & Accessories","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/smartphones-smartwatches-accessories/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Streaming","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/streaming/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"TVs","sectionUrl":"https://www.forbes.com/vetted/tech-electronics/tvs/","sections":[]}],"title":"Tech & Electronics","url":"https://www.forbes.com/vetted/tech-electronics/","type":"menu"},{"position":8,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cruises","sectionUrl":"https://www.forbes.com/vetted/travel/cruises/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Hotels & Lodging","sectionUrl":"https://www.forbes.com/vetted/travel/hotels-lodging/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Luggage","sectionUrl":"https://www.forbes.com/vetted/travel/luggage/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Travel Products","sectionUrl":"https://www.forbes.com/vetted/travel/travel-products/","sections":[]}],"title":"Travel","url":"https://www.forbes.com/vetted/travel/","type":"menu"},{"position":9,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Father's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/fathers-day/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Holiday","sectionUrl":"https://www.forbes.com/vetted/gifts/holiday/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mother's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/mothers-day/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Valentine's Day","sectionUrl":"https://www.forbes.com/vetted/gifts/valentines-day/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Wedding","sectionUrl":"https://www.forbes.com/vetted/gifts/wedding/","sections":[]}],"title":"Gifts","url":"https://www.forbes.com/vetted/gifts/","type":"menu"},{"position":10,"sections":[{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Black Friday","sectionUrl":"https://www.forbes.com/vetted/deals/black-friday/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Cyber Monday","sectionUrl":"https://www.forbes.com/vetted/deals/cyber-monday/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Amazon Prime Day","sectionUrl":"https://www.forbes.com/vetted/deals/amazon-prime-day/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Beauty & Grooming","sectionUrl":"https://www.forbes.com/vetted/deals/beauty-grooming/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Big Sales","sectionUrl":"https://www.forbes.com/vetted/deals/big-sales/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Fashion","sectionUrl":"https://www.forbes.com/vetted/deals/fashion/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Gear","sectionUrl":"https://www.forbes.com/vetted/deals/gear/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Home","sectionUrl":"https://www.forbes.com/vetted/deals/home/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Tech & Electronics","sectionUrl":"https://www.forbes.com/vetted/deals/tech-electronics/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Travel Deals","sectionUrl":"https://www.forbes.com/vetted/deals/travel-deals/","sections":[]},{"featuredImage":null,"featuredTitle":null,"paidContent":"","sectionLink":"","sectionSponsored":"","sectionTitle":"Mattress & Sleep","sectionUrl":"https://www.forbes.com/vetted/deals/mattress-sleep/","sections":[]}],"title":"Deals","url":"https://www.forbes.com/vetted/deals/","type":"menu"}],"hasAdsEnabledVideoPlayer":false,"vettedDataForXlRecirc":[]}</script></body></html>

Pages: 1 2 3 4 5 6 7 8 9 10